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GA-0119 (2003) Greg Abbott Administration Section 9 of the Incorporation Act of that "the permanent organization provided this. Letter from Honorable John L. Hill, Texas Attorney General (Feb. North Texas Small Development Business Center. Frequently Asked. in Do I need a lawyer to incorporate my business? The Texas Department of Commerce Q Austin at 1-800-888-0511 provides information concerning specific. Initial Filings Texas for Nonprofit Organizations 1.

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FDIC says it will sell IndyMac (Reuters)

An IndyMac Bank branch is seen in Glendale, California July 17, 2008. (Phil McCarten/Reuters)Reuters - The Federal Deposit Insurance Corp, in a statement on its Website, says it signed a letter of intent to sell Indymac Federal bank operations to thrift holding company controlled by IMB Management Holdings LP.


Mortgage applications remain at 5-year highs (AP)

A man walks past a billboard showing real estate advertisement in Beijing January 6, 2009. Delinquency rates on Chinese banks' property loans remain low, especially for residential mortgages, in spite of a downturn in the real estate market, a central bank official said on Tuesday. Banks had extended 2.95 trillion yuan ($432 billion) in home loans by the end of November, up 10.6 percent from a year earlier and accounting for about 10 percent of their local currency lending, Huo Yingli, a deputy director in the financial market department of the People's Bank of China, told a news conference. REUTERS/Jason Lee (CHINA)AP - Mortgage applications remained at their highest level in more than five years last week, as borrowers took advantage of attractive rates and rushed to refinance their home loans.


Revisiting a Classic: 'Your Money or Your Life' (AP)

In this photo provided by Penguin Publishing, Vicki Robin, author of 'Your Money or Your Life,' is shown. (AP Photo/Penguin Publishing, Rich Frishman)AP - There are countless personal finance books that advise readers on budgeting, investing and paying down debt. Few leave the tips aside and ask you to question your relationship with money and the reasons you spend what you do.


Mortgages: What You Need to Know in 2009 (BusinessWeek Online)
BusinessWeek Online - With all the doom and gloom over housing, you might be surprised to know that this is a fantastic time to get a mortgage. Not if you have poor credit, to be sure. But you can get a great deal on a 30-year, fixed-rate, conforming loan these days if you have a solid FICO score, a manageable debt burden, and proof positive of a reliable income.

Estate Planning in a Down Market (BusinessWeek Online)
BusinessWeek Online - When times are tough, people tend to hold on to what they have that much more tightly. But for those who can get beyond that psychological response, there's a silver lining in today's combination of depressed asset values and low interest rates: Transferring assets to the next generation has rarely been less costly.

Jobless claims dive while mortgage rates ease again (Reuters)

A broken 'For Sale' sign is seen outside a home in the Queens borough of New York, November 21, 2008. (Shannon Stapleton/Reuters)Reuters - U.S. weekly jobless claims plummeted last week but the improvement was probably a seasonal quirk rather than a turning point for the recession-ravaged labor market.


Wall St closes out worst year since Depression (Reuters)

Trader Robert Vella makes an entry in his portable computer on an almost empty trading floor after the opening bell at the New York Stock Exchange in New York, December 31, 2008. (Ray Stubblebine/Reuters)Reuters - Wall Street closed out its worst year since the Great Depression on Wednesday after an unstoppable credit crisis and a dreadful economic outlook left investors questioning their faith in stock markets.


Plan B for retirees who counted on home equity (AP)
AP - The safety net is almost gone, the nest egg is cracking.

Lawmakers set new mortgage bankruptcy bill (Reuters)
Reuters - Legislation designed to stem foreclosures by allowing bankruptcy judges to erase some mortgage debt will be introduced by Congressional Democrats on Tuesday, and hopes are high that it will pass after a similar plan failed last year.

Mortgage rates drop to 37-year low (Reuters)
Reuters - Interest rates on U.S. 30-year fixed-rate mortgages dropped for a ninth consecutive week, reaching their lowest level in 37 years, according to a survey released on Wednesday by home funding company Freddie Mac.

Wells Fargo completes Wachovia purchase (Reuters)

Pedestrians walk outside Wachovia corporate headquarters in Charlotte, North Carolina, October 22, 2008. (Chris Keane/Reuters)Reuters - Wells Fargo & Co said it has completed its roughly $12.7 billion purchase of Wachovia Corp, a big bet that it properly assessed the risks in Wachovia's huge book of mortgage and real estate loans.


Mortgage crisis spurs tougher rules for brokers (AP)

Shirley Webster, president of the Greater Citizens Coalition of Martindale-Brightwood, tours the Brightwood neighborhood on the near north side of Indianapolis, Tuesday, Dec. 16, 2008.  The area has a problem with vacant homes, many of the homes have been stripped of their pipes and the home pose a danger to the students in a nearby elementary school.  (AP Photo/Michael Conroy)AP - Becoming a mortgage broker in Indiana used to be easy. Too easy.


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