Fla. millionaire guilty of murdering wife

A millionaire developer who lived in the same central Florida neighborhood as Tiger Woods and other celebrities was convicted Saturday of murdering his wife in their mansion.

The six jurors deliberated almost 12 hours over two days before finding Bob Ward guilty of second-degree murder. The two-week trial took place in the same courthouse where the Casey Anthony case was tried this summer.

Ward was stoic as the verdict was read. Before the verdict, he hugged his two college-aged daughters as the women wept.

He faces up to life in prison when he's sentenced in November.

Ward was accused of shooting of his wife, Diane, in September 2009. The slaying happened days before she was to give a deposition in a lawsuit alleging that he blew millions of dollars on big houses and expensive cars while his business failed.

Defense attorneys said that Ward's wife was suicidal, and that he was trying to stop her from killing herself. Ward never took the stand in his defense.

During closing arguments Thursday, prosecutor Robin Wilkinson used Ward's own words against him by playing a 911 recording in which he told a dispatcher five times, "I just shot my wife."

The Wards were under tremendous stress from the bankruptcy of his company and a lawsuit over his business practices. A broken wine glass, a wine stain on the patio and a similar stain on Ward's shirt indicated they had been fighting before Diane Ward died, the prosecutor said.

Defense attorney Kirk Kirkconnell told jurors it was against Bob Ward's interests to kill his wife because her death exposed his assets to his creditors.

Bob Ward's company, Land Resource, filed for bankruptcy almost a year before the shooting. He was being sued by an insurance company that accused him of taking more than $20 million from the sale of lots in subdivisions he was building in Tennessee in 2007. The insurance company, which had issued bonds for the subdivisions, said Ward should have used the money to improve the subdivisions, but instead paid off debts and went on a spending spree.

The lawsuit says the Wards used the money to buy their 8,800-square-foot mansion in Isleworth, the same neighborhood where Woods had the notorious SUV crash that revealed his adultery and derailed his golf career.

The lawsuit also says the Wards paid off loans totaling nearly $2.5 million for two houses in Georgia, bought a house on the Georgia coast for $750,000 and purchased several vehicles, including a $140,000 Mercedes-Benz sedan. The lawsuit was dismissed last month because of a lack of action by either side.

Ward's behavior after his arrest also raised eyebrows. A jailhouse video of a visit from his daughter and sister-in-law just days after the shooting showed him cracking jokes and laughing. But the Wards' two daughters have supported their father and were in the courtroom during the trial.

Source: http://www.msnbc.msn.com/id/44651948/ns/us_news-crime_and_courts/

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The Many Facets of Consolidated Credit Counseling Services | AM ...

The Many Facets of Consolidated Credit Counseling Services

Article by Personal Finance Guru

Consolidating your debts may not be an easy thing for you to do all by yourself. This may be because the process often involves numerous negotiations with creditors and also endless paperwork. For this reason, many people with overwhelming debts sign up with debt management companies such as Consolidated Credit Counseling Services so that they may not have to get their debts in order all on their own. Such agencies may help clients like you by acting on your behalf in negotiations with creditors as well as proposing the best possible solution for your particular financial issue. Suggestions and proposals from these agencies are often made by financial experts they hire so you may find their advice to be viable. However, you may still need to be a bit knowledgeable about your own financial situation in order to make a well informed decision.Debt management companies such as Consolidated Credit Counseling Services generally work for a certain monthly fee sometimes ranging from to for each account you have with them. You may want to bear in mind that although these agencies may act on your behalf when it comes to dealing with creditors, you are still the one who are going to pay 100% of the debts to the creditors. They may make repaying your debts easier by combining all your debts into one single entity and they may be the ones who would be distributing that one deposit a month you make into their account to each respective creditor. The upside is that you may have a significant reduction in the amount you have to pay every month as they may negotiate with your creditors to reduce the interest rate or to extend the loan term so that you could still afford to pay your debts.One good thing about having debt management agencies helping you out with your debts is that you may no longer have to cope with the stress of overwhelming debts. Solutions such as credit card debt consolidation may lead to instant stress reduction because you may no longer have to confuse yourself with which credit card you may have to pay first before others. These agencies may do that for you. Of course, you may also enjoy significantly reduced interest rates and lower monthly payments so you may have to worry less about not being able to afford making the payments. You may find it easier to get your finances back in order as these debt management agencies may also provide counseling for you to gain more knowledge on how best to manage your own finances as well as some peace of mind. Calls from creditors may be redirected to these debt management agencies so you may not have to feel the pressure of having to pay your debts anymore.On the other hand, you may want to keep in mind that a consolidated credit card debt may not be a permanent solution to your debt problem. Sometimes the root of the problem may be your own spending habit. So as miraculous as debt consolidation may sound to you it may only provide a short term solution. You may need to do your part to ensure that you stay debt free throughout the rest of your life. Seeing that you probably manage to have the amount of your debt reduced you may also have to pay the consolidated debt over a longer period of time during which you may also be accumulating new debts. Therefore, you may want to take the advice of many financial experts, especially those who work with debt management companies, to start changing your lifestyle and financial habits if you truly wish to live your life free of debt.In general, debt management companies may provide a temporary fix on your debt problems. In order to stay off debts, you may have to be proactive and take the advice of your financial advisors to strategize your plan towards living a life without debt.



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Source: http://amdebtconsolidation.com/the-many-facets-of-consolidated-credit-counseling-services/?utm_source=rss&utm_medium=rss&utm_campaign=the-many-facets-of-consolidated-credit-counseling-services

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Colbert On Defunct Satellite: ?UARS All Gonna Die!?

colbertYou've likely already heard about that defunct six-ton satellite hurtling its way to the Earth's surface. Unless you're paranoid, you also know that the chances of this changing anyone's life, anywhere (save for a few NASA peeps) are very small. Like, microscopic. Still, it's been a slow news week and the media has to keep pumping things out — and so begins the emergence of a thousand different news stories on several hunks of space metal that will likely land in an ocean. Rather than feign some notion of severity in this situation, my favorite comedic newscaster Stephen Colbert has weighed in.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/p9S29AvIP7A/

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US stocks mixed after brutal week of selling

A specialist works at the New York Stock Exchange, Friday, Sept. 23, 2011 in New York. Investors fear that a global recession may already be under way. (AP Photo/Mark Lennihan)

A specialist works at the New York Stock Exchange, Friday, Sept. 23, 2011 in New York. Investors fear that a global recession may already be under way. (AP Photo/Mark Lennihan)

Working for Barclays Capital are Vincent Folds, left, William Bott, center, and James Maguire, right, at the New York Stock Exchange, Friday, Sept. 23, 2011 in New York. Investors fear that a global recession may already be under way. (AP Photo/Mark Lennihan)

Bank of America specialist Scott Wetzel monitors stock prices at the New York Stock Exchange, Friday, Sept. 23, 2011 in New York. Investors fear that a global recession may already be under way. (AP Photo/Mark Lennihan)

In this Sept. 16, 2011 photo, trader Stephen Mara works on the floor of the New York Stock Exchange. A pledge to stabilize markets from the world's leading economies has done little to reassure investors Friday, Sept. 23, 2011, a day after fears over the global economy had sent stocks skidding. (AP Photo/Richard Drew)

A brutal week for the stock market ended on a quiet note Friday, but worries about the global economy again pounded copper, gold and other commodities.

Fears about Europe's debt increased early Friday on news that Moody's Investors Service had downgraded its ratings of eight Greek banks by two notches. Investors have been waiting in vain for news that Greece will receive the next installment of a bailout package in time to avoid defaulting on its debt next month. If it defaults, banks throughout Europe are likely to lose the money they invested in Greek bonds ? and investors fear that could ultimately lead to a recession in Europe and the U.S.

Finance ministers from 20 large countries pledged Friday to take "all necessary actions to preserve the stability of the banking systems and financial markets." But they offered nothing specific.

Europe's problems helped feed the heavy selling in stocks this week. But the chief worry was that the U.S. is headed for another recession and that the Federal Reserve is running out of ways to fight it.

The Dow Jones industrial average rose 37.65 points Friday, or 0.4 percent, to close at 10,771.48. The Dow lost 6.4 percent for the week, its biggest drop since the week that ended Oct. 10, 2008, when it fell 18 percent. That was at the height of the financial crisis.

The S&P 500 index rose 6.87 points Friday, or 0.6 percent, to 1,136.43. For the week, the index dropped 6.5 percent, its worst slide since the first week of August.

The Nasdaq rose 27.56, or 1.1 percent, to 2,483.23.

Nearly two stocks rose for every one that fell on the New York Stock Exchange Friday. Trading volume was slightly above average at 5.1 billion shares.

John Merrill, chief investment officer at Tanglewood Wealth Management in Houston, said Friday's respite might not last.

"Nothing goes in a straight line, even markets that are declining steeply," he said. Merrill said the market was moderating as traders bought shares that looked like bargains after the week's selling. But the problems that have weighed on markets for months now show no sign of letting up.

Bargain-hunters "bring some stability into the market for a day or two, until they've used up their buying power," Merrill said. "Then the macro issues surface again" and volatility returns.

Commodities from soybeans to metals sank Friday. Gold dropped 5.9 percent, copper lost 6 percent and silver 17.7 percent. Stocks in commodities producers also dropped. Range Resources Corp. fell 11 percent to $58.53. Newmont Mining Corp. fell 3.6 percent to $62.86.

Treasury yields rose slightly from record lows reached Thursday as the quieter stock market reduced traders' hunger for lower-risk bets such as U.S. government debt. The yield on the benchmark 10-year Treasury note rose to 1.80 percent from 1.71 percent late Thursday. Demand for Treasurys drives their prices higher and their yields lower.

Traders had sold gold to raise cash during Thursday's sell-off. They dumped other commodities because they tend to lose value when the economy weakens, such as oil and raw materials.

The rout started Wednesday afternoon after the Federal Reserve announced its third plan in less than three years to lower long-term interest rates.? But the Fed unnerved investors with a dismal view of the economy's health, spotting "significant downside risks to the economic outlook, including strains in financial markets."? Investors interpreted the Fed's plans and its statement as indicating that a full economic recovery is years away.

The bleak tone helped drive the Dow and S&P down more than 2 percent Wednesday. When trading resumed on Thursday, the selling was furious from the start. The Dow fell as much as 527 points before regaining some ground and closing down 391, or 3.5 percent.

A report out Thursday that showed a drop in Chinese manufacturing?added to the list of concerns.? Demand from China, the world's second-largest economy, has helped give other countries from Indonesia to Canada a lift.? But its central bank has been raising interest rates to slow the country's growth and battle inflation.

The plunge in stocks this week followed five straight days of gains. The change in heart came as hopes for a resolution to Europe's debt were crushed ? an expected deal on the next installment of a bailout package for Greece didn't come. That raised the specter of a default. That combined with the Fed's disappointing assessment of the U.S. economy had investors fleeing any investment that looked risky. The dollar and Treasurys were among the few investments that attracted buyers.

Because the stock market tends to move on investors' expectations for the next six months, this week's drop signals that investors believe the U.S. economy will keep weakening. The reports released in the last few months about employment, consumer spending, manufacturing and housing show that the recovery from the recession that ended in June 2009 has stalled. There is little reason for investors to expect the economic data to pick up anytime soon.

The next two weeks will bring the first look at how the economy did during September. Among them: the Conference Board's consumer confidence index for this month, the Institute for Supply Management's reports on the manufacturing and service industries and the Labor Department's employment report.

The employment report, arguably the most important data for investors, will have the power to calm investors' fears or send stocks plunging again. The August report showed that virtually no new jobs were created. At this point, economists are expecting that 75,000 jobs were created during September. That is not a strong enough number to pull the unemployment rate down from its current 9.1 percent, but it might give investors reason to buy cautiously. The report is scheduled for Friday, Oct. 7.

Investors are also looking anxiously toward third-quarter earnings reports that will start in early October. Expectations are low in the market, given the slowing economy. But financial analysts are forecasting that earnings for the S&P 500 companies will be up an average 13 percent for the July-September period.

Associated Press

Source: http://hosted2.ap.org/apdefault/f70471f764144b2fab526d39972d37b3/Article_2011-09-23-Wall%20Street/id-10d2eb3b4b114d85a7571ae327a569aa

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Dumping of 35 bodies seen as challenge to Zetas (AP)

VERACRUZ, Mexico ? A gang known to be aligned with Mexico's most-wanted drug lord appears to be making a violent challenge to the dominant Zetas Cartel in the Gulf state of Veracruz, dumping 35 bodies on a busy avenue in front of horrified motorists near where the nation's top prosecutors were about to start a convention.

The cartel known as the New Generation unloaded the bound, seminude, tortured bodies during rush hour Tuesday as part of a several-month campaign to take the strategic port of Veracruz now controlled by the Zetas drug gang, an official in the Mexican armed forces told The Associated Press on Wednesday.

All 35 victims, who included 12 women and two minors, were linked to the Zetas cartel, said the official, who couldn't be quoted by name for security reasons.

It was the first official acknowledgment of who may have carried out the attack after a banner left at the scene threatened the Zetas and bore the initials "G.N."

A U.S. law enforcement official said the New Generation is believed to be linked to Joaquin "El Chapo" Guzman, widely considered the world's wealthiest drug trafficker.

But the U.S. official, who also could not be quoted by name for security reasons, said it would be surprising to see heavy involvement in Veracruz by Guzman or his Sinaloa cartel, which is based in the Pacific coast state of the same name on the other side of Mexico.

"We don't have anything that corroborates or disputes" that the body dumping was linked to Guzman, the U.S. official said, adding that other sources say the Gulf Cartel could have been responsible. "Sometimes these criminal groups blame the other guys."

Drug trafficking in Veracruz was long controlled by the Gulf Cartel. But the business has been taken over by the Zetas, who had acted as enforcers for the Gulf Cartel before breaking away in early 2010 and waging a bloody war with their former allies across northeastern Mexico.

The Zetas presence in Veracruz has grown since the government launched a crackdown late last year in their main base of Tamaulipas, a border state to the north. But the gang has also been hit hard in Veracruz by Mexican army and navy operations, leaving them weakened and vulnerable to challenges from rival gangs, the Mexican military official said.

This Gulf coast city is Mexico's busiest port for commercial goods.

The official said there is no way to inspect all the containers coming in. He said many of the drug smuggled in come from Central American, an area where the Zetas have been expanding.

The state is also a main transit route for cocaine and migrants coming from the Guatemalan border. The Zetas have controlled the corridor, the Mexican official said.

A banner left with the bodies Tuesday criticized the Zetas for killing innocents and charging extortion, warning: "No more." The Mexican officical said the New Generation gang has been carrying out what it calls "surgical" attacks that target Zetas only and no civilians.

Security expert Raul Benitez agreed that the attack could be the work of a gang aligned with Guzman, who is forming alliances to attack the Zetas in other parts of Mexico. He said Guzman is seeking both to control territory and to punish the Zetas for attacking civilians, something that is shunned by most drug traffickers and that has ramped up government heat on all cartels.

The Zetas have been blamed in two of Mexico's biggest mass killings of civilians since the federal government stepped up a crackdown on organized crime in 2006: the massacre last year of 72 migrants in Tamaulipas and a casino fire last month in the northern industrial city of Monterrey that killed 52 people, mostly women playing bingo and slot machines.

"El Chapo wants to ruin the Zetas in all locations because of their errors in Tamaulipas and Monterrey," said Benitez, of the National Autonomous University of Mexico. "Those were mistakes for other cartels, too."

Photographs of the bodies showed them handcuffed, bloodied and bruised, some marked with a "Z" on their torsos. Veracruz State Attorney General Reynaldo Escobar Perez told MVS radio Wednesday that they had been dead only a few hours.

Escobar, who earlier reported that many of the victims had links to organized crime, said they had records for kidnapping, extortion, murder and drug dealing. He called the killings unprecedented in a state where crime has been escalating dramatically, including deadly attacks on soldiers and journalists.

"The killing of 35 people is deplorable, but it's even more deplorable the same victims chose to extort, kidnap and kill," Veracruz Gov. Javier Duarte wrote via Twitter.

Authorities said they were examining surveillance video for clues to who left the 35 bodies beneath an overpass while other gunmen pointed weapons at frightened drivers.

Stunned motorists grabbed cellphones and sent Twitter messages warning others to avoid the area, which was alongside the biggest shopping mall in Boca del Rio, part of the metropolitan area of Veracruz city and less than a mile (1 kilometer) from where Mexico's top state and federal prosecutors and judiciary officials began a meeting Wednesday.

The bodies were left piled in two trucks and on the ground near the statue of the Voladores de Papantla, ritual dancers from Veracruz state.

Among the bodies was a local police officer who had disappeared two weeks ago, Escobar told W Radio in Mexico City.

Drug violence has claimed more than 35,000 lives across Mexico since 2006, according to government figures. Others put the number at more than 40,000.

The Gulf Cartel and the Zetas broke apart over the killing of a Zeta in the border city of Reynosa, across from McAllen, Texas, in January 2010. They have made a war zone of northeastern Mexico, drawing heavy presence of military and federal police in a special operation to stop the violence.

Since then, Zetas from the Mexico border area have been showing up in Veracruz, the U.S. official said.

On Wednesday, soldiers clashed with gunmen in the northeastern border state of Nuevo Leon, killing five, authorities said. Troops were on patrol in the town of Cienega de Flores when they came across gunmen traveling in an SUV, a state police investigator said, speaking on condition of anonymity because he wasn't authorized to talk about the case.

Under Guzman, Sinaloa has grown bloodier and more powerful, controlling cocaine trafficking on the Mexican border with California, while expanding eastward to the corridor between Sonora and Arizona and waging a fierce battle for Chihuahua state bordering Texas.

Mexico's most powerful drug cartel also appears to be expanding methamphetamine production on a huge scale, but has not been known to operate along the Gulf of Mexico coast.

Source: http://us.rd.yahoo.com/dailynews/rss/latam/*http%3A//news.yahoo.com/s/ap/20110922/ap_on_re_la_am_ca/lt_drug_war_mexico

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Repair my credit now!! | Thai2resort Finance Loan Blog

Credit card is a life card for many of the people in world nowadays. Having credit card makes the process simple and convenient when you are in need of money. But if something goes wrong with the credit card the whole day will be off for the one who possess it. But what one can do when they come to know that something is wrong with the credit card. Yes, Repair my credit now is a solution for all that. Their service is awesome and the customer reviews simply make others to know about it. The most valuable thing they have is their good name. Consumers are really satisfied with the repair my credit now services. They make sure that they are abiding by laws to protect the consumer from inaccurate and unverifiable credit reporting. Overall the service of repair my credit now is advantageous and most convenient to the public. One can rely on this without doubts. They have a set of values for their customers and they follow that. Repair my credit now has provided service to thousands of individuals with unparalleled results. They render a perfect and regular service to people in need and they do in a short span of time which should be considered as a good reason to support repair credit now services.

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Source: http://www.thai2resort.com/2011/09/repair-my-credit-now/

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Advantages of choosing Mortgage Services for House loan Financing

Companies assisting out prospects in availing distinct sorts of mortgages for instance the home equity loans are known as home loan services. Keeping good quality mortgage experiences, they also offer other supports for the consumer in acquiring fair lending from individual or lender group.

Solutions Offered

High quality house loan services offer you a variety of solutions for each the consumers as well as the sellers. Most important among the services offered are

* Offering home loan information on the modifications that are taking place inside the marketplace;
* Maintaining the consumer abreast in the existing mortgage market developments;
* Supply top quality solutions at the most aggressive mortgage rates.

Intense Competition Useful for Customers

Like all other fields the home loan finance discipline can also be extremely competitive and there?s fierce competitors amongst the companies to acquire lead inside the mortgage loan marketplace. However such competition helps the prospective customer to pick and find out the most beneficial provider of dwelling mortgage when they determine to purchase an additional residence or relocate to another location.

Financial institution Categories

Whether or not it is actually person lender, loan company team, bank or other financial institutions that is providing house loan services for the customers, Myriads of property equity loans are accessible for that intending customers right now.

Offers of Mortgage loan Services

Typically the mortgage solutions will provide a number of positive aspects for the buyers. In addition the support supplier will even take care to-

* Present several alternatives to the customers to keep up the recognition of your company at the leading of your recognition ladder successful the goodwill and confidence of buyers;
* Nearly all of them will use standard phrases to the sanction of house equity loans as well as other home loan finances but may well create a couple of tailor made terms to render their supply the most effective home loan in the industry.
* Quality loan provider will offer you excellent consumer help for your clients;
* Presents will consist of ARM or adjustable fee house loan, fixed pace mortgage loan, and even low price mortgage for your clients.

At times the finance provider will pre approve the shopper creating his prospect of obtaining a house simpler and at other instances they might also introduce refinance plans to assist the clients to get rid of their financial troubles when confronted with poor credit scores.

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Source: http://www.mcomemeteorite.info/advantages-of-choosing-mortgage-services-for-house-loan-financing/

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finance, loans, self improvement - Tips On Time Management To ...


by Faye Dayton
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finance, loans, self improvement More Details about finance, loans, self improvement here.

Tweet This To be productive and efficient, one should know how to do things in order and properly. To do this, time is an important element. Some people who have two or more jobs to juggle usually end up being pressured to finish their tasks on time. They need to do this for them to be financially able and avoid borrowing money from cash advance loans as possible.

Changing your attitude and even your lifestyle are just some of the things that you need to be able to manage your time effectively. We also listed down some tips to give you more idea on how to do this.

Time Management is Only in Our Head. There's no such thing as time management. A day is only consists of 24hours. Managing yourself is the most important key in achieving productivity. There can only be certain things that you can do in a day. Realize this and commit yourself to ensure positive perception.

What Stalls You. It is important that you identify the things that create the setbacks. May it be the longer hours on TV or the chats with your office mates or surfing the net more often. Little things that you do can disrupt your entire schedule for the whole day. Acknowledge your weakness and create strategies to avoid them.

What are your Goals. List down the things that you want to achieve. The very reason why you're reading these tips is because you have a goal that you want to reach. Stick on the specifics goals whether its for the long-term purposes. Make a clear list why you don't want to stall things anymore and keep them in mind.

Finalize with a Plan. As mentioned, you also have to change your lifestyle and attitude for better productivity. Knowing your goals and acknowledging your weaknesses is your starting line to create a plan on how to put your time in better use. Lessening what causes your stress could also help. Say, your having difficulty going to work every morning because of traffic, address it by moving somewhere nearer to your workplace.

When you have more jobs to juggle, the more reason you have to manage your time properly. It may take a lot of practice and even skills to do this, but if you're determine to improve your productivity, this shouldn't be something that's hard to do. Getting good results in your job also means better income to aide your finances. This could also mean avoiding to rely on advance cash loans in between paychecks.

Crawling up the money walls are life's problems and the ground is covered with tempting cash loans that prevent you becoming financially independent. Devo Cashing shares his secrets on how to get out of a Payday loans financial rut, so there is no need to stress.

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