Still Struggling With Your Underwater California Mortgage? Could Relief Be Headed Your Way?

If you purchased your California home during the most recent real estate boom, you may be struggling with a mortgage that is significantly higher than your home’s value — often deemed an “underwater mortgage.” Although a number of federal and state mortgage relief programs can help make your home more affordable by modifying your interest rate or mortgage term (or even forgiving a portion of principal), there can be some very steep tax consequences associated with the decision to pursue loan modification. In some cases, the assessment of state income taxes on forgiven mortgage principal could put you in a…
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What Constitutes Good Ethics In Politics? Defining Features And How They Apply

There are two areas of ethics in politics. Both are necessary if a political candidate wants to win an election with the platform of being morally upright and just. An example of this would be Kathy Hamilton, the elected official of the DuPage Board. She has demonstrated both the ethics of process and the ethics of policy. Here is what these two areas of ethics in politics mean, their defining features and how they apply to politicians currently. Ethics of Process The ethics of process questions the moral behavior and actions of someone already in office or someone who is attempting to get into…
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Running For Local Elected Office? Do You Need A Campaign Consultant?

If you’ve always dreamed of making a difference by engaging in public service — or if you’re simply tired of the existing leadership strategies in your community and want to help make a change — you may be interested in running for a local elected position. However, even the world of local politics can be rife with misinformation, “smear campaigns,” and other tactics designed to help tilt the outcome in favor of one candidate or issue. What can you do to ensure that your campaign message is clear and conveyed in a manner that will allow it to reach (and…
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