"This is independent journalism, not campaign material.

"Bad debt" buys stuff/junk that either incurs meaningless debt service or is "wasted" from a financial independence perspective.If you buy some income-producing property where the annual loan constant times the LTV is less than the capitalization rate you will get positive cash flow.

Independent contractor or employee?

Last night was Larry Harbolts independent meeting.

This is one of the reasons why we fought for independence from britain or has congress forgotten why we celebrate the 4th of july.Don't get me wrong i love my country and would fight for it's people any day, but i hate my goverment and the banks ( jp morgan, the rockafella, ect..) who own it.

I am very involved in the National Association of Home Builders (NAHB) and the National Independent Electrical Contractos (IEC) - my fellow members are laying off folks left and right.Construction, which has led the country in the past to wealth and riches, may just end up being another casualty in this economy.Bail out for small electrical firms in Harrisburg, anyone?

But, they may not go at the same time, since the CDS is a separate investment from the loan, and trades independently.

I have a vague goal of financial independence, but no specifics on that.i deal with the day to day decisions to make the short term goals happen, assuming this will make the long term goals occur as a direct result.For the short term goals, I focus on the next property and look no further than that.

.- Independent Contractor Agreement: This lays out the schedule, terms, insurance requirements, responsibilities, etc.

Both an independent contractor agreement and a signed scope of work