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Glenn Beck Conspiracy Theory: Pundit Alleges Boston Cover-Up Over Saudi Suspectby Free Britney at . Comments
Glenn Beck sparked controversy this week by alleging a conspiracy and cover up may have taken place regarding the April 15 Boston Marathon bombings.
His Boston Marathon bombing conspiracy does not suggest the whole thing was staged by actors (some believe this), but rests upon this belief:
There is more to the initial Saudi national suspect than we're being told, and the U.S. government may be hiding his involvement in this or other terrorist acts.
Abdul Rahman Ali Alharbi, a Saudi national, was cleared of involvement in the bombings after briefly being detained in the aftermath of the blast.
It was discovered that his visa to stay in the U.S. had expired, however, and he may soon be deported. Beck is challenging why, for a variety of reasons.
Alharbi is supposedly in violation of section 212 3B of the Immigration and Nationality Act, citing "security and related grounds" and "terrorist activities."
Beck isn't the only one watching this Congressman Jeff Duncan (R-SC) expressed concerns that Alharbi is being deported "due to national security concerns."
"I'm not saying it's related to Boston, but he is being deported," he said.
In response, Janet Napolitano only said, "Like I said, again, I don't even think he was technically a person of interest or a suspect - that was a wash."
"I am unaware of any proceeding there. I will clarify that for you, but I think this is an example of why it is so important to let law enforcement do its job."
Beck alleges a Boston bombing investigation conspiracy, claiming the man was flagged on a terror watch list but was granted a U.S. student visa anyway:
"We don't know at this point how [the Saudi national Abdul Rohman Ali Alharbi] was involved … but I do know he was involved [in the Boston bombing."
Beck claims the Saudi national's deportation under section 212, 3B indicates "proven terrorist activity" and says that this charge "has to be almost certain."
He says after Secretary of State John Kerry met with Saudi ministers, the FBI started "backtracking from suspect, to person of interest, to witness, to victim, to nobody."
Beck claims that President Barack Obama reportedly had a meeting with Saudi Foreign Ministers, which led to the Saudi national's fate being changed:
"Wednesday at 5:35 p.m. the file is altered. This is unheard of, this is impossible in the timeline due to the severity of the charge," the pundit proclaimed.
"You don't one day put a 212 3B charge against somebody with deportation, and then the next day take it off. It would require too much to do it."
Dzhokhar Tsarnaev has been charged with the Boston Marathon bombings, and may face the death penalty for using a weapon of mass destruction.
Glenn is promising more information about the alleged Boston bombing conspiracy as the week goes on. Do you think he's onto something with this?
Stop thinking it's always about "the man", and someone you have been told to hate. They tell you to hate Julian Assange too, and he is in the same business as this thing that Beck claims to have, making sure that there is some light on what the gub is always hiding. What he published was the Homeland Security report on the Saudi that shows he was a 2123b, or a known terrorist. One thing I found out from reading the stuff, is that after January of this year, DHS doesn't require any vetting if you are from Saudi Arabia...that is strange since they need to stick their hands in American's underwear all day long.
If we (American residents) were to go to any of the Saudi states and were suspected of being terrorists we would either be jailed, deported, or never heard from again! Lets get the lead out of our asses and get these bleeding heart politicians out of office and start "Profiling" once again.
Who listens to this moron?
It seems to me, if Mr. Beck has some "breaking" info, he better publish it soon before someone stops him from doing so. Just releasing things by the piece is rather stupid. If it's the truth we are after and he has it, then he needs to come out with it already.
Of course if he releases it all at once someone can come up with some big lie to cover all of it. But if they have to keep changing the lie to cover new information it destroys the credibility of the liar.
The documents are on Beck's THE BLAZE site. They claim to be leaked from DHS agents.
The issue really is whether or not Janet Napolitano lied to Congress. It appears that someone from DHS leaked documents to Beck about the Saudi that, at the very least, raises questions that need to be answered. Matt Drudge never recovered his "reputation" either, after being spot on about Lewinsky. However, national security is a much more serious venue than tawdry sex adventures..let's see if the press can get to the bottom of it and show us if Beck is a "bloviator" as mainstread press wants to tar him or if DHS whistleblowers had to find someone outside the mainstream press to leak to.
Why is Obama kissing the Saudi's asses. He granted, TRUSTED TRAVELER STATUS, to them, knowing full well that most of the 9/11 hijackers were Saudis. I guess we know which country Obama will run to when he finally faces imprisonment in America.
More that we've been told.........you where the one who was to tell us. I'm sorry but you haven't told us anything that we just couldn't figure out on our own. Your just like Hudinnie, get their attention and then pull off a trick.
It's not a GLenn Beck "conspiracy" It's fact! Go to the blaze and read up on it. We should demand answers and impeach based on the info we have now. It's disgusting!! THe man was part of the bombings and then the saudis came spoke to Obama and the kid was released. He is a terrorist. Wake up America Wake up!!
.....they don't want me in the states.


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In some works, the Monster Mash settles down and raises a family. And where do they send their children of the night? Why, to a monster school of course! While there may not be anything special about the school itself, all of its students are certainly special. When the teens literally are monsters, and Wolf Man junior and Cute Monster Girl need to learn what it is to be a proper nightmare, this is where they go. There's often a Reluctant Monster or Friendly Neighborhood Vampire in the cast as the odd monster out, and sometimes it's the new monster on the block. Other times, it's a normal kid sent there by mistake! It may be all monsters and supernatural creatures, and sometimes it's an exclusive boarding school for one species (almost invariably vampires!). It may also extend to witches, but only if the witches in question are a separate species like Hags. Any fantastical creatures, such as Bigfoot, Demons, Goblins, mermaids and fairies, as well as made-up monsters, may also be present, so it does not always follow the Monster Mash casting exactly. Preferably some form of Undead should be the main focus, it's mainly anything you'd imagine living in Halloweentown. Oftentimes the school lessons are on being scary, while other schools may focus on staying off of the Van Helsing hitlist by maintaining the Masquerade. When it's in a world where monsters are commonplace, it's just a normal public school. If not, it's almost invariably a Boarding School, or a quite literal Boarding School of Horrors. Often an Academy of Adventure in this case. Conversely, it could be an Academy of Evil. A must if the setting is in Monster Town. Requirements are that the school is actually for (or at least appropriated by night by) monsters, ghouls, ghosts or other supernatural/fantasy non-human creatures. The lone monster enrolled at a normal human school is a Fish out of Water and therefore does not count as an example, even if it is a magic school. Usually this institute has a suitably spooky name. If it is a generic school with no name mentioned, as long as it's a work involving a specialized school for the sort of students previously mentioned, it counts. Subtrope of Extranormal Institute. Related to Wizarding School, only it's for monsters. Not related to One-Gender School despite the similarity in name.
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Flint Opinion headlines• Editorial: Unify police agencies in Flint, under one commander 3:31 PM
Why two law enforcement chiefs and not just one? It's a question that comes to mind as new leaders were named in recent days to head up both the Flint Police Department and the Flint State Police Post.
• MLive Media Group: To our World War II veterans, we say thank you 12:01 PM
Today we take a moment to express our gratitude to these men and women who exemplify what has become known as the Greatest Generation.
• Come Heller high water: Looters are just looters, not fighters for justice 11:36 AM
People looted stores because they wanted free stuff. They torched cars and buildings because they wanted to. They weren't sending a message.
• Tim Skubick: A one-on-one interview with outgoing U.S. Sen. Carl Levin 10:42 AM
It is quite a story: the former taxi cab driver, auto worker, Detroit City Council member and then U.S. Senator has seen it all.
• Ken Braun: Prejudice against undocumented workers resembles Democratic bias against non-union workers 7:13 AM
The rewards always flow to the political party that says "and them" rather than "not them."
Come Heller High Water
by Andy Heller


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... the past, you still had something in hand if you had done the HKCEE exam. But now it becomes a big problem if you fail the DSE exam, as this is their only chance.' He said this was particularly ...http://www.scmp.com/article/996703/reforms-fail-ease-pressure
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Originally posted 01/28/2014 01:45PM
Fresh from their four wins at the Grammys, Macklemore and Ryan Lewis credit famous fan Ellen DeGeneres with helping make "Same Love" a hit.
"We have a lot of praise to show you, because this was the first time that we ever performed live on television," Macklemore, 30, told DeGeneres Tuesday's episoe of her talk show. "You got behind 'Same Love' before anybody else did. Before it was a radio song, before it was out there with the video on MTV, you were behind it."
The duo first appeared on The Ellen DeGeneres Show in 2012, when they performed "Same Love" – a gay rights anthem that went viral on YouTube – with vocalist Mary Lambert. Since then, the comedian has been a big advocate for their success. Macklemore and Lewis have sold 1.3 million albums and garnered more than 900 million YouTube views, impressive feats considering they are independent artists without a music label.
Originally posted 01/28/2014 07:45AM
Your behind-the-scenes look at all the drama, surprises and mischief that didn't make it to your TV
Originally posted 01/27/2014 04:00PM
As a rapper who got his start on Youtube, it makes sense that Macklemore turned to social media to speak his latest message.
Macklemore, in a total Macklemore move, texted fellow MC Kendrick Lamar to apologize for beating him at Sunday night's Grammy awards. As the only white artist nominated in the best rap album category, Macklemore triumphed over Lamar's critically acclaimed debut Good Kid, M.A.A.D. City, as well as albums by Drake, Jay Z and Kanye West.
Originally posted 01/27/2014 02:20PM
As per usual, music's biggest night felt more like a concert-fashion show hybrid than an awards ceremony. The most famous faces in entertainment flocked to the Staples Center for Sunday's Grammy Awards to tip their hats (sometimes literally) to industry peers and drink in all of the action (out of the ultimate sippy cup, no less).
Originally posted 01/26/2014 11:45PM
Play testcaption testcredit Share on Facebook Tweet Pin on Pinterest Share on Tumblr In a moving Grammys first, 33 couples proved they all share the "Same Love."
Originally posted 01/26/2014 01:10PM
They all do. Equally.
Amid the musical acts set for Sunday night's Grammy Awards, the biggest showstopper of all may be the live, on-air wedding of 34 couples.
During Macklemore & Ryan Lewis's performance of their hit "Same Love" (for which they'll be joined by Madonna), diverse couples – including gay, straight, of different ages and races – will wed, the New York Times reports. And Queen Latifah will officiate.
The weddings "will be in our minds the ultimate statement of equality, that all the couples are entitled to the same exact thing," Lewis said.
Originally posted 01/23/2014 09:00AM
Few categories at this weekend's Grammy Awards are as simultaneously coveted and mocked as that of "Best New Artist," an honor that's gone both to such best-selling acts as Adele and The Beatles and such curious outliers as Milli Vanilli and The Starland Vocal Band. Every few years, the Grammy goes to a performer all but unknown to the majority of Americans (See: Esperanza Spalding, or – though not a "Best New Artist" pick – 2011 "Album of the Year" winner Arcade Fire.)
So, if you're planning to watch the Grammys this Sunday with any of your ... not-quite-hip relatives, here's a guide for introducing them to 2014's "Best New Artist" hopefuls:
Originally posted 12/17/2013 09:00AM
Miley Cyrus is about to cap off her over-the-top year in a very big way.
The "Wrecking Ball" singer, 21, will be live from New York along with Blondie, Icona Pop and Macklemore & Ryan Lewis when they all perform at Dick Clark's New Year's Rockin' Eve, hosted by Ryan Seacrest and Jenny McCarthy.
Cyrus will be the midnight act, PEOPLE can report exclusively.
Originally posted 12/11/2013 01:00PM
These days, a song's journey isn't over the day it hits the top of the charts. No, in our Internet-addicted times, a piece of pop culture hasn't truly made its mark until it's been the subject of a thousand parody videos, ordinary people riding its coattails for a brief shot at viral fame. The spoofs can range from sharp and scathing to delightfully affectionate, but they all help make the Web a richer, more democratic place. To celebrate this outpouring of creativity, the people at YouTube have compiled a list of the top 10 parody videos of 2013. Watch them all below!
Originally posted 10/10/2013 09:00AM
It appears Miley Cyrus will have another chance to shock viewers at an awards show.
Fresh off the heels of a still buzzed-about performance at the MTV Video Music Awards, Cyrus, 20, will perform at the American Music Awards, which will air Sunday, Nov. 24, at 8 p.m. on ABC.
The announcement was made on Thursday's Good Morning America, accompanied by news that new artist of the year nominees, Imagine Dragons, will also perform.
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Numbers of signers to the Declaration of Independence. Benjamin Franklin, John Adams, Thomas Jefferson, Roger Sherman and Robert R. Livingston comprised the Committee of Five that drafted the Declaration. Jefferson, regarded as the strongest and most eloquent writer, composed most of the document. (Photo: Public Domain)
What's Happening in Ferguson, Missouri? 11/21/2014
Students Protest Over Principal's Racially Insensitive Tweet 11/19/2014
Bring That Week Back: Bill Cosby Meme Request Backfires 11/13/2014
When Women Say No: The Dangers of Street Harassment 11/10/2014
Bring That Week Back: Alabama Pastor Banned From Church 10/17/2014
Outrageous School Suspensions 10/16/2014
Bring That Week Back: Inmate Dies After Threats from Guard 10/09/2014
Same-Sex Marriage Around the U.S. 10/07/2014
Young and Ambitious: Kid Entrepreneurs 10/03/2014
Bring That Week Back: College Selects Abu-Jamal as Speaker 10/03/2014
Bring That Week Back: Reporter's 'I Quit' Video Goes Viral 09/26/2014
Racism 101: Trouble on Campuses Around the Nation 09/26/2014
Meet the Black MacArthur Fellows 09/17/2014
Father Says 'My Son Did Not Kill Himself' 09/12/2014
Sept. 11 Memorials Around the U.S. 09/11/2014
10 Scholarships and Accelerators for Blacks in Tech 09/04/2014


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Gaming the Rules: How Big Business Hijacks the Small Business Review Process to Weaken Public Protections
Small businesses are heroic and iconic figures in the American story of opportunity. The vast majority of private enterprises in the U.S. today employ fewer than 100 workers, and many workers aspire to own their own business. So when small businesses argued that the federal rulemaking process should pay attention to their special needs, policymakers listened. By law, three federal agencies – the U.S. Environmental Protection Agency, the Occupational Safety and Health Administration, and the Consumer Financial Protection Bureau – are required to convene a small business review panel any time they plan to issue a rule that could have a significant economic impact on small businesses. To determine who was serving on these panels and whether they were, in fact, representing and protecting the interests of small businesses, staff at the Center for Effective Government examined 20 Small Business Advocacy Review panels convened between 1998 and 2012.read in full
The Benefits of Public Protections: Ten Rules That Save Lives and Protect the Environment
This report examines the public health, worker safety, and environmental benefits projected from ten proposed or final rules issued between 2009 and 2014 by five federal agencies (the U.S. Environmental Protection Agency, Occupational Safety and Health Administration, National Highway Traffic Safety Administration, Food and Drug Administration, and Department of Agriculture's Food Safety and Inspection Service). These rules range from reducing toxic air pollutants from power plants and other large industrial sources, to reducing workers' exposure to disease-causing silica, and to making vehicles safer.read in full
The Bridge to Prosperity: Reverse Reckless Cuts, Restore Our Infrastructure, and Revive Jobs
The United States is facing a growing infrastructure crisis and a lingering jobs crisis. Most of America's infrastructure was built in the decades directly after World War II. Each day in America, more than 700 water mains break. Seventeen percent of water pumped by municipal pumping stations never reaches consumers' faucets – a waste of 2.4 trillion gallons of precious water each year. Potholes on the nation's roads cost the average family $355 in additional car repairs annually, deficient roads and bridges will cost businesses an estimated $43 billion a year in transportation delays and shipment rerouting, and too many children attend schools with leaky roofs, rattling windows, and decrepit plumbing.read in full
The Disappearing Corporate Tax Base: How to Reclaim Lost Tax Revenue to Rebuild State Budgets
American states and cities and the people who live in them are hurting. States and cities were ravaged by the Great Recession of 2007-2009. While the recession is officially over, its damage remains deeply felt in families and communities across America. More than 10 million Americans remain out of work, nearly half of them for more than six months. More than half a million state and local public jobs disappeared because of budget cuts and have not been refilled.read in full
Making the Grade: Access to Information Scorecard 2014
A building block of American democracy is the idea that as citizens, we have a right to information about how our government works and what it does in our name. The Freedom of Information Act (FOIA) requires federal agencies to promptly respond to public requests for information unless disclosure of the requested information would harm a protected interest. Unfortunately, since its passage in 1966 and reform in 1974, federal agencies have failed to implement the law consistently, which can make it challenging for citizens to gain access to public information as the law guarantees.read in full
Best Practices for Agency Freedom of Information Act Regulations
Of the 100 agencies in the federal government subject to the Freedom of Information Act (FOIA), dozens of agencies have not yet updated their FOIA regulations to reflect requirements in the OPEN Government Act of 2007. The OPEN Government Act required federal agencies to better assist people who make requests for public information under FOIA – for instance, by providing individualized tracking numbers in order to check the status of a request. Despite additional direction from President Obama and Attorney General Eric Holder to improve FOIA processing, six years later, most agency regulations include few of the best practices described in this report.read in full
The Corporate Tax Rate Debate: Lower Taxes on Corporate Profits Not Linked to Job Creation
The American corporate tax system is badly broken. Some corporations pay more than a third of their profits in federal income taxes, while other equally profitable firms pay nothing at all. On average, corporations pay just 12.6 percent of their profits in federal income taxes, according to a recent study by the U.S. Government Accountability Office.read in full
Platinum-Plated Pensions
In the current budget debate, the loudest calls for Social Security cuts are coming from two lobby groups led by CEOs who will never have to worry about their own retirement security.read in full
ALEC's Latest Trojan Horse: The Attack on Standards and Safeguards Moves to the States
In recent years, special interests and their allies in Congress have pushed a number of dangerous proposals to "reform" the rulemaking process to undermine the standards and safeguards that guarantee clean air and water, safe workplaces, healthy food, and safe medicines. Now, these same special interests are pushing similar proposals in the states. Many of these so-called "reforms" expand or institutionalize requirements that delay and weaken important regulations and increase the already outsized influence of corporations in setting environmental, food, consumer, and worker safety policies.read in full
Securing the Right to a Safe and Healthy Workplace
The Occupational Safety and Health Act (OSH Act), passed in 1970, recognizes that workers play a critical role in ensuring their workplaces are healthy and safe. The OSH Act gives workers the right to report unsafe working conditions and the right to refuse to work under such conditions without reprisal. The concept is for workers to function as the "eyes and ears" of the Occupational Safety and Health Administration (OSHA) and help the agency prioritize its limited resources to focus inspections on the most dangerous work sites. Workers will only report safety and health hazards in the workplace, however, if they can come forward without fear of reprisal. Thus, the law prohibits employers from taking any adverse action against employees who exercise the rights provided to them under the OSH Act.read in full


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Buick 1937 46C convertible coupe, correct Ottawa blue paint, Century 3.9 gears, Jenkins tan upholstery, top, boot; a 100% complete restoration, BCA judged and... More
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SecuraLive Antivirus 18.104.22.168
SecuraLive Antivirus is a program created to shield the system against several types of malware and provide protection for web browsing, daily PC activities and more.
Modern and easy to use interface
The installation procedure is quite straightforward and it doesn't even require a system restart as most antivirus solutions do. Also, at first glance the software seems well suited for less experienced users, with every function easily accessible.
The status of the security components is displayed in the man window, while the scanning, updating and logging features have each their own tabs, where all the commands and reports are hosted.
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When it comes to finding and removing malware, SecuraLive Antivirus is able to carry out quick system scans, complete or custom analyses. The results of any of these operations can be viewed as the scans happen, in the dedicated area of the application.
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All things considered, SecuraLive Antivirus seems most appropriate for beginners, given its ease of use and good default configuration, even if some scans may take a lot longer than those of similar apps.
In order to make sure the computer is really safe, it is recommended to use alongside this utility a dedicated firewall to take care of network intrusions and other similar threats.
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Application descriptionSecuraLive Antivirus conserves resources on disk and in memory leaving more room for critical applications.It is compa...


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Q&A Category
Dear Liz: I have a rather ugly student loan predicament. You mentioned "the possibility of forgiveness" in a recent column. I feel very strongly that I am deserving (if I dare use that word) of partial or full forgiveness of my undergraduate loans, although the loans from my graduate studies sting quite a bit too. I am not sure whom to contact to tell my story. Do I ask my lender, or do I contact the federal government education department? I get beyond frustrated talking to my lender, as they have employees who can only read from a script and can never help with particular issues.
Answer: You don't win federal student loan forgiveness with an effective sob story. You get it by volunteering, working in a high-need area or following the relatively new rules for erasing remaining balances after many years of on-time payments. You also can get your federal (but not necessarily private) loans discharged if you're totally and permanently disabled, you die or your school closes before you get your degree.
FinAid.org maintains a list of some of the forgiveness and stipend options available. People who teach full time in low-income districts, for example, can have up to $17,500 of their Stafford or PLUS loans forgiven under the National Defense Education Act. Forgiveness options exist for health workers and attorneys who serve high-need areas. Students in the Army National Guard may be eligible for its repayment program, which offers up to $10,000 for repaying student loans. AmeriCorps, the Peace Corps and Vista also have stipend programs for student debt repayment.
In addition, the federal Public Service Loan Forgiveness program promises any remaining federal student loan balances can be erased after 10 years of payments. Eligible public service jobs include employment with federal, state or local governments or not-for-profit organizations designated as tax-exempt by the IRS. You can find more information about this program at the U.S. Department of Education's Federal Student Aid site.
Even if you work in the private sector, you can qualify for forgiveness after 20 to 25 years of on-time payments, depending on when you incurred the debt. Again, see the education department's site for details.
If you're finding your payments onerous, you may qualify for the "Pay as You Earn" or other federal income-based repayment plans. If you have private student loans, though, you have far fewer options and consumer protections. You may want to visit the Student Loan Borrower Assistance site run by the National Consumer Law Center to learn more about strategies for coping with this debt.
Dear Liz: I just had to giggle at the husband who wanted to save his coin change for an emergency. Yes, this seems so silly now, but back in the day prior to debit cards my mom started saving all her loose change in a coffee can when my husband and I got engaged. Ten months later, she had saved enough for my wedding dress! When we had our first child, we started saving all our loose change, and 10 years later, we had saved enough for a trip to Disneyland. Obviously, we are saving less and less change since we so seldom use cash anymore, but we still keep a coffee cup to collect the loose change and still manage to turn in about $100 a year to the bank.
Answer: The key is to regularly deposit the coins, rather than letting them pile up. But a few readers cautioned that it might be worth carefully sorting through older stashes of coins:
Dear Liz: You gave a good answer to the question about cans of coins. You also should advise the party that if the cans have older coins — pre-1965 — the value of those dimes, quarters and half-dollar coins is tied directly to the price of silver. At $20 per ounce, 90% silver coins are worth about fourteen times their face value. A dime would be worth about $1.40, a quarter about $3.50, and a half-dollar about $6. At the same silver price of $20, 40% silver half-dollars are worth about $2.50 each. If you use a commercial sorting service you will lose the value of these coins. If you sort them while watching TV as I do, you will recover it. Lastly, if you do roll the coins, return them to the bank immediately. If your house is burglarized, as mine was, the rolls of coins on your desk will be gone in an instant.
Answer: Ouch. Sorry for your loss. You aren't the only one to find gold (or rather silver) in your coins:
Dear Liz: I inherited much loose change. I started going through it and found a nice can of Buffalo nickels (each worth more than a nickel) and 22 pounds of silver quarters (made before the sandwich coins) worth $7,744 less handling and processing fees. It still came to a tidy sum. Let your letter writer know that it may pay to sort through that mountain of loose change.
Dear Liz: My husband returned a car to the dealer when he lost his job. Now the company says he owes it more than $7,000 (the difference between what he owed to the dealer and the price for which the car was sold). He refuses to pay any amount, but recently he received a letter from a law office demanding payment or they will take him to court. Is he obliged to pay this money? What options does he have to get rid of this debt?
Answer: A debt doesn't disappear simply because someone decides not to pay it.
Your husband signed loan paperwork to buy the car, and this paperwork obligated him to repay a certain amount. Voluntarily surrendering the car didn't change his obligation. Also, the surrender probably is being reported to the credit bureaus as a repossession, which is a big negative mark on his credit reports. Some people mistakenly believe that a voluntary surrender avoids credit damage. Typically, it does not.
Your husband could make matters worse if he continues his stubbornness. The law firm can take the collection to court, where it's likely to win. That will add a judgment to your husband's credit files and cause further damage to his scores. His wages could be garnished to pay the debt.
Your husband may be able to settle this debt for less than he owes, especially if he can offer a substantial lump sum, but negotiations with a collector can be tricky. He may want to consult an attorney for help or at least arm himself with more knowledge about what to do from sites such as DebtCollectionAnswers.com.
If this is just one of a number of unpaid bills, though, you both may benefit from talking to a bankruptcy attorney about your options.
In the future, keep this experience in mind when you go to buy another car. Making at least a 20% down payment and limiting the loan term to four years or less will help ensure that you're never "upside down" like this again.
Dear Liz: I have a 401(k) that has a required annual distribution because I am over 71 1/2 years old. Can I use this distribution as qualified income to invest in a Roth IRA? I have no W-2 earnings, although I do have other income sources that are reported on 1099 forms.
Answer: To contribute to a Roth or other individual retirement account, you must have taxable compensation, which the IRS defines as wages, salaries, commissions, tips, bonuses or net income from self-employment. The IRS also includes taxable alimony and separate maintenance payments as compensation for IRA purposes.
So if the money reported on one of those 1099 forms is from self-employment income, then you can contribute to a Roth IRA. If the form is reporting interest and dividends or other income that doesn't meet the IRS definition of taxable compensation, then you're out of luck.
If you don't have income that meets the IRS definition of taxable compensation, but your spouse does, you may still qualify for IRA contributions, provided you file a joint return that meets the required income thresholds.
Dear Liz: Our grandson's stellar high school performance and his family financial situation were such that he was admitted to his state university with grants sufficient to pay all school fees, including room and board, with no loans or work-study. His grandmother and I have a 529 account in his name that has enough money to pay about twice his estimated books and living expenses, given this level of financial aid.
His other grandparents gave him a high school graduation present of a check for four times the annual estimated books and living expenses. Does he need to amend this year's financial aid form to reflect this generous gift? Should I suggest he put part of the gift aside for future years to diminish the effect on future financial aid?
Because of his unexpected gift, we plan to not use the funds in the 529 account until needed for his undergraduate or possible graduate school expenses. If he doesn't need the money, we plan to transfer the balance to his younger sister's 529 account.
Answer: Your grandson won't have to amend this year's financial aid forms but he will have to declare the gift on next year's form. That could indeed reduce his financial aid package, since such gifts are considered to be the student's income and thus will be counted heavily against him next year.
There's not much that can be done about it now, but generous grandparents in this situation might think about holding off on their gifts until the student's final year in college when financial aid is no longer a consideration. Paying that last year's expenses, or paying down any student loan balances, would be a gift without repercussions.
Dear Liz: How do you prioritize financial goals on a small salary? I am 24 and a college graduate with about $40,000 in student loan debt. Because I work full-time at a nonprofit educational organization, about half of my loans qualify for the Public Service Loan Forgiveness program, so I currently only pay the monthly payment on a private loan and two other small loans. I earn a small salary, but I have always been drawn to jobs in service-oriented, nonprofit fields, and I am perfectly fine with the fact that I'll never have a career with a six-figure salary. My problem is that after rent, utilities, student loan payments, groceries and other such monthly bills, I have very little money left over to divide among my different financial goals. I make a small monthly contribution to my company-sponsored 403(b) plan, but I'm also trying to rebuild my savings after paying out of pocket for an expensive root canal. I occasionally earn some extra cash from baby-sitting, and I live a fairly simple lifestyle — I own my used car, I walk to work — yet I feel like I've barely been making a dent in any of my goals — saving for retirement, rebuilding savings and paying off student loans. How can I leverage what's left over at the end of the month to reach my goals? Would it be better to focus on one goal rather than all three?
Answer: Many people in your situation focus on a single goal hoping to make faster progress. They don't fully realize what their single-mindedness is costing them.
Prioritizing debt repayment over saving for retirement is particularly costly. Not only do you give up potential company matches, but the money you don't contribute can't earn future tax-deferred returns. At your young age, every $100 you contribute could grow to more than $2,000 by the time you hit retirement age, assuming 8% average annual returns, which is the historical long-term average for the stock market. In fact, the younger you are, the more you give up by not contributing to a retirement fund. Ask any of your older co-workers if it gets any easier to save for retirement. They'll probably tell you that they wish they'd gotten serious about retirement savings when they were a lot younger.
Building up your emergency savings may seem prudent as well, but you don't want to do so at the expense of your retirement fund or instead of paying down high rate debt.
So here's your game plan. Instead of divvying up what you have left after paying bills, start by paying yourself first. Contribute at least 10% of your income to your company retirement plan. Then investigate the possibilities of consolidating your private student loan into a fixed-rate loan, since rates probably will rise in the future. If you can lock in a low rate, it would then make sense to start building up your emergency savings. If you can't, you might want to divide your money between savings and debt repayment.
It will be tough to swing all this. You may be able to make it easier by finding a roommate or a cheaper place to rent, or looking for more outside gigs such as baby-sitting until your income rises enough to allow you to comfortably pursue all your goals.
Dear Liz: My husband recently told me that he has saved many coffee cans full of loose change over the years. When I suggested we might at least roll the change to make it easier to count should we ever need it, he was not interested! I understand he just wants it available in an emergency, but just the transportation of these things to a coin counter (that may or may not be available) makes me want to find a better way to honor his idea of saving change in a more realistic way. Perhaps roll while watching TV, then ask a bank to convert to dollar coins as a way to reduce the bulk?
Answer: It's hard to imagine how your husband expects to deploy those coins in an emergency. Does he envision lugging them to the grocery store or gas station? Does he imagine any retailer would accept a coffee can of change as payment? Many retailers won't even accept rolled coins, since they don't know what's inside those wrappers.
Converting the coins into bills, or better yet to savings in a bank, is a far more practical option. You can use commercial coin sorters, but they typically take a hefty cut. Coinstar, for example, charges a 10.9% service fee, although that is waived if you choose to be paid with a retailer's gift card or voucher.
Another place to check is your bank. Some have coin sorters available to customers, although you may have to deposit the result rather than take it immediately in cash.
Alternatively, your bank may supply you with wrappers — or it may not accept change at all. The only way to know is to call and ask.
If you do decide to roll the change, consider making a small investment in a coin sorter. You can spend $200 or more on a commercial version, but there are well-reviewed versions on Amazon that cost around $25.
Dear Liz: Recently you wrote about debt being forgiven after seven years, but in your book "Deal With Your Debt," I'm sure you said after four years credit-card debt is usually not collectible. Could you clarify? When I tell debt collectors about this, they merely laugh.
Answer: That's understandable, because there is no forgiveness for most debt. It's legally owed until it's paid, settled or wiped out in Bankruptcy Court.
Each state sets limits on how long a creditor has to sue a borrower over an unpaid debt. Those limits vary by state and the type of debt. In California, credit card debt has a four-year statute of limitations. Creditors may continue collection efforts after four years; they're just not supposed to file lawsuits.
Seven years is how long most negative marks, such as unpaid debts, can remain on your credit reports. Technically, most unpaid debts are supposed to be removed seven years and 180 days after the account first went delinquent.


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