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http://www.FreedomUniversity.TV, john@e-liteworks.com, This is like a video worksheet of a series of videos showing you how to solve fractions and percentages. Contact Dr J at john@e-liteworks.com.

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Learn eBay selling with Andrew Lock, the renegade auction seller.

Part 4 of March 15's Training Session Deed, Mortgage, Promisory Note, financing terms, TIL, Truth in lending, Prepayment penalty, APR, Annual Percentage Rate, Finance Charges,

As a stagnant U.S. Economy plagues the nation’s financial sector, Small Banks tend to feel it first and fastest. A prime example is in the Florida market. Bauer Financial Inc. grades banks’ performance on a scale of zero to 5 stars. Last year, Florida had no banks with a zero-star ranking. So far, in 2008, it has 8, as of the first quarter. Zero-star, small banks are in trouble now because they have a high percentage of Non-Performing loans. In turn, the small banks are left to look for investors, or to be absorbed by larger banks. Recently, First Florida Bank of Naples, was merged into Synovus of Tampa. Given its list of problems and losses, First Florida couldn’t recover and had to be folded into the bigger Synovus. Bigger banks can counter the smaller banks’ problems by moving to shrink costs and expediting Single Family Construction Loans to clean up its balance sheet. On a national scale, the FDIC has its hands full with a list of what it calls, “Problem Banks”. With over 90 Problem Banks nationwide, who have an asset total of $26.3 billion, thanks in part to struggles with commercial and development loans, the FDIC will be pushed find a solution for the country’s small banks. http://www.EmploymentCrossing.com

Working in the opposite of the national trend, the state of Texas has reported an incredible number, of 47,700 jobs, added for the month of June. On a national level, the U.S. reported negative employment activity every month in 2008. Texas on the other hand, has boasted increases of 21,600 job additions over the first 4 months of the year. As seasonal work helps to increase employment numbers, Texas has seen huge gains, like 10,700 professional and business jobs, along with 8,400 trade and transportation positions added in June alone. Even the otherwise weak construction market, added 2,200 jobs for the month. Also, while fuel prices rise, so does demand for production, which benefits the job market in West Texas, who reported the lowest unemployment percentage in the Lone Star state. Still, the Texas Workforce Commission, while happy with the numbers, is remaining grounded given the state of employment for the majority of America. TWC Chairman, Texas Workforce Commissionsays Texas is “cautiously optimistic” given June’s rate versus the rest of the country. But people in Texas should be happy finding work and being productive. The 47,700 new jobs were the second largest monthly job gain for the state, since July of 2005. http://www.EmploymentCrossing.com