Heidi Behrens-Benedict (D WA-8th CD)
“I would recommend running for Congress to anyone. It is a profound and wonderful thing,” says Heidi Behrens-Benedict.
The Bellevue-based interior designer enjoys connecting with voters, and believes that representatives should come from the ranks of their communities. Behrens-Benedict started one of three previous campaigns by estimating the smallest possible budget needed to get a message out. No other Democrat wanted to run against an incumbent with a leadership role on the House Ways and Means Committee.
Behrens-Benedict says that she’s come to understand the needs of the 8th Congressional District very well. She doesn’t hesitate to list an unemployment rate that’s third or fourth in the nation as the district’s top priority.
Economy
“Taxes,” Behrens-Benedict says, “are the price of civilization.” They provide funding for services people want, such as roads, hospitals, schools, libraries, and the protection of public lands. She says the current administration and key Republicans appear to be “starving the federal government as it relates to human services.” Even though government is bigger than ever, and overall spending has increased, she says funding for these services falls short of the need for them.
If interest in education were more than lip service, Behrens-Benedict says, it would be better funded. She brings up the example of teacher pay, saying that master’s graduates are faced with taking a starting salary as a teacher for around $30,000, or a job in industry at around $80,000. Students, she says, should have access to smaller classes, better Pell grants, and forgiveness of student loans for key areas.
Behrens-Benedict also doesn’t believe that protecting the environment comes at the expense of the economy. She says that national parks and areas with great natural beauty generate a lot of money from tourism, adding to the economic benefits of clean air and water. Even Republicans, she says, value having fish in their rivers.
War and Terrorism
Coming from a military family, Behrens-Benedict says she is “resolute in [her] support of veterans.” But she says that we aren’t taking care of soldiers when VA hospitals are closing and around 40% of working age National Guard troops don’t have health insurance.
Behrens-Benedict says that when it comes to Iraq, the U.S. needs an exit strategy, and a true international coalition. She says the current administration has been arrogant towards long-term allies and friends such as France and Germany, and points out that the U.S. has now had to go back and ask them for help.
In the short term, she believes it’s important to be vigilant in tracking down terrorist cells. However, she says that the PATRIOT act needs to be thrown out, and that there are ways to fight terrorism without creating secret police.
Additionally, Behrens-Benedict criticized what she considers the under funding of port security, fire departments, police, and first response agencies.
In the long run, Behrens-Benedict wants government and the public to start thinking about taking steps to achieve peace. Saying that terrorism is much bigger than any one person, she believes terror cells will keep springing up if fundamental policy changes aren’t made.
Behrens-Benedict sees a solution in a generous foreign policy similar to the U.S. Marshall Plan, which rebuilt Japan and Germany after the two countries were nearly leveled in WWII.
Family Values
“I can’t tell you,” Behrens-Benedict said, “how much I loathe …those little sound bite[s].” She says the term family values has been used to vilify half the country as though they had no values, or don’t love their children. What does she believe are Democratic values?
Behrens-Benedict says that families should be trusted to decide when to have children, and government should focus more on what happens to them after they’re born. It’s cheaper, she says, to make sure children get a good start than to build a prison.
She does understand why some people are opposed to abortion. In that case, Behrens-Benedict says the goal should be to see that abortion isn’t necessary. She believes birth control should be readily available, including the morning after pill.
Behrens-Benedict’s idea of family includes the right of gay couples to form civil unions. She says civil unions are the future, and that she opposes a Constitutional ban on gay marriage.
Remembering the Community
Behrens-Benedict says she’s looking forward to remembering the needs of the people she’s talked to once she’s in congress. She says that every time someone in congress goes to vote, they have to pass through a gauntlet of lobbyists that “are not working for us. They’re working for corporations and other special interests.”
It’s important, Behrens-Benedict says, that people are “represented as ably and well as Weyerhauser, Boeing, and Microsoft.” Everyone will prosper, she says, if leaders in business and government keep in mind Henry Ford’s belief that you can’t lay off your customers.
Heidi Behrens-Benedict is running as a Democrat for election in the 8th Congressional District of Washington state. To find out more, visit her website.
The Bellevue-based interior designer enjoys connecting with voters, and believes that representatives should come from the ranks of their communities. Behrens-Benedict started one of three previous campaigns by estimating the smallest possible budget needed to get a message out. No other Democrat wanted to run against an incumbent with a leadership role on the House Ways and Means Committee.
Behrens-Benedict says that she’s come to understand the needs of the 8th Congressional District very well. She doesn’t hesitate to list an unemployment rate that’s third or fourth in the nation as the district’s top priority.
Economy
“Taxes,” Behrens-Benedict says, “are the price of civilization.” They provide funding for services people want, such as roads, hospitals, schools, libraries, and the protection of public lands. She says the current administration and key Republicans appear to be “starving the federal government as it relates to human services.” Even though government is bigger than ever, and overall spending has increased, she says funding for these services falls short of the need for them.
If interest in education were more than lip service, Behrens-Benedict says, it would be better funded. She brings up the example of teacher pay, saying that master’s graduates are faced with taking a starting salary as a teacher for around $30,000, or a job in industry at around $80,000. Students, she says, should have access to smaller classes, better Pell grants, and forgiveness of student loans for key areas.
Behrens-Benedict also doesn’t believe that protecting the environment comes at the expense of the economy. She says that national parks and areas with great natural beauty generate a lot of money from tourism, adding to the economic benefits of clean air and water. Even Republicans, she says, value having fish in their rivers.
War and Terrorism
Coming from a military family, Behrens-Benedict says she is “resolute in [her] support of veterans.” But she says that we aren’t taking care of soldiers when VA hospitals are closing and around 40% of working age National Guard troops don’t have health insurance.
Behrens-Benedict says that when it comes to Iraq, the U.S. needs an exit strategy, and a true international coalition. She says the current administration has been arrogant towards long-term allies and friends such as France and Germany, and points out that the U.S. has now had to go back and ask them for help.
In the short term, she believes it’s important to be vigilant in tracking down terrorist cells. However, she says that the PATRIOT act needs to be thrown out, and that there are ways to fight terrorism without creating secret police.
Additionally, Behrens-Benedict criticized what she considers the under funding of port security, fire departments, police, and first response agencies.
In the long run, Behrens-Benedict wants government and the public to start thinking about taking steps to achieve peace. Saying that terrorism is much bigger than any one person, she believes terror cells will keep springing up if fundamental policy changes aren’t made.
Behrens-Benedict sees a solution in a generous foreign policy similar to the U.S. Marshall Plan, which rebuilt Japan and Germany after the two countries were nearly leveled in WWII.
Family Values
“I can’t tell you,” Behrens-Benedict said, “how much I loathe …those little sound bite[s].” She says the term family values has been used to vilify half the country as though they had no values, or don’t love their children. What does she believe are Democratic values?
Behrens-Benedict says that families should be trusted to decide when to have children, and government should focus more on what happens to them after they’re born. It’s cheaper, she says, to make sure children get a good start than to build a prison.
She does understand why some people are opposed to abortion. In that case, Behrens-Benedict says the goal should be to see that abortion isn’t necessary. She believes birth control should be readily available, including the morning after pill.
Behrens-Benedict’s idea of family includes the right of gay couples to form civil unions. She says civil unions are the future, and that she opposes a Constitutional ban on gay marriage.
Remembering the Community
Behrens-Benedict says she’s looking forward to remembering the needs of the people she’s talked to once she’s in congress. She says that every time someone in congress goes to vote, they have to pass through a gauntlet of lobbyists that “are not working for us. They’re working for corporations and other special interests.”
It’s important, Behrens-Benedict says, that people are “represented as ably and well as Weyerhauser, Boeing, and Microsoft.” Everyone will prosper, she says, if leaders in business and government keep in mind Henry Ford’s belief that you can’t lay off your customers.
Heidi Behrens-Benedict is running as a Democrat for election in the 8th Congressional District of Washington state. To find out more, visit her website.
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A: In a debt settlement program, negotiators work on your behalf to reduce your balance by up to 50%. In a credit counseling program, counselors work to reduce interest rates. The average credit card debt settlement program lasts between 1 and 3 years, whereas credit counseling services last for between 4 and 6 years. In general debt settlement tends to be a more aggressive approach to debt elimination.
Q: What is the difference between Debt Settlement and Debt Consolidation?
A: There are two types of debt consolidation: secured and unsecured debt consolidation. With secured debt consolidation, a consumer gets a loan that is collateralized by a home or vehicle to pay off their credit card debt, and then pays back the loan at lower interest since it is secured by property. With an unsecured debt consolidation loan, a consumer gets a loan from a bank, presumably at a marginally lower interest rate, to pay off their credit card debt. Debt Settlement does not involve lending, but rather negotiating with credit card companies and other creditors to reduce the amount you owe.
Q: What is the difference between Debt Settlement and bankruptcy?
A: Debt settlement is very different from bankruptcy. For starters, bankruptcy has far wider implications for your credit versus Debt Settlement. Bankruptcy is a suitable alternative for consumers who do not have any income or are seeking debt relief for secured debts like mortgages and car loans. In a Chapter 7 bankruptcy, the court orders a debtor to liquidate all of their non-exempt property and pays the creditors back with the proceeds from their sale. In a Chapter 13 bankruptcy, the court orders a debtor to turn over all their disposable income for 5 years.
Q. Can I be sued while I am enrolled in a Debt Settlement program?
A: Yes, your creditors certainly have the right to sue to recover their money. But usually the purpose of the lawsuit is to force a settlement on the matter. In our experience, most creditors would rather not go to the expense of suing and simply try to negotiate a settlement.
Q: What will I pay for your services?
We charge a 15% fee which is calculated based on the total amount of debt that an individual brings into the debt settlement program. This fee is recovered from your monthly payments in the first 12-15 months of the program. All costs and fees are always fully disclosed and you are required to sign for approval before you commit to our program.
Q: Can I apply for other credit while enrolled in the Debt Settlement program?
A: No, you cannot apply for other credit while enrolled because it could affect our ability to negotiate with the credit card companies. In some cases they will say, "If this client was having trouble with his or her debt, why have they applied for other credit cards after they enrolled in your program?" Moreover, the goal of our credit card debt settlement service is to help our clients become debt free, and applying for other credit cards while you were enrolled would defeat the original purpose of the program.
Q: Are there any tax implications associated with enrolling in the Debt Settlement program?
A: Yes, it is possible that you may be taxed on the savings related to our settling of your credit card debt. However, for clients who are technically insolvent, then the IRS only requires that you file a form 982, which exempts you from having to pay taxes on the savings from your credit card debt settlement program. The IRS defines insolvency as financial state in which someone owes more (liabilities) than the value of their assets. Many of our clients fall under this category, but you should consult a tax attorney for advice regarding your situation. Secondly, even if you are taxed on the savings from debt settlement, you still save a lot of money. Remember, you are only taxed on a percentage of the savings. That is, if our debt settlement program saved you $2000 off one of your credit cards and you had to pay 25 percent of that amount to the IRS ($500), then you still saved approximately $1500 and thousands of dollars more when you factor in the interest charges you did not have to pay.
Q: What are my responsibilities throughout the Debt Settlement program?
A: Your main responsibilities are to be truthful and to make your monthly payment as planned. Without ample savings we will be unable to obtain settlements from the credit card companies. If you will have trouble making your monthly payment, then it is important that you notify us 5 business days in advance, so you do not get charged for having insufficient funds. Moreover, it is important to stay in touch with us, so we always have quick and easy access to you during the negotiation process in the event that we need you to supply our debt settlement experts with any important information regarding your credit card accounts.
Q: Can I include accounts into the Debt Settlement program that have authorized users or co-applicants?
A: Before enrolling any credit cards with co-applicants, we ask that the co-applicant sign a waiver acknowledging that they are allowing the account to be included in our debt settlement program. For authorized users, we advise that you ask the credit card company to remove the person from the account prior to enrollment. If this does not work, we will need the authorized user to sign a waiver acknowledging that they allow the account to be included in the debt settlement program.
Q: What is the difference between credit card debt settlement and credit repair?
A: Credit repair involves removing inaccurate or unverifiable information off your credit report. Clients of our credit card debt settlement program will oftentimes use credit repair after their debts are eliminated to more rapidly increase their credit scores. Unlike debt settlement, however, credit repair cannot eliminate debts that you actually owe.
Q: Do you make payments to each of my credit cards every month?
A: No, we negotiate with your credit card companies to lower the amount that you owe. Once you have saved enough money and one of the credit card companies has agreed to lower the amount you owe, we pay them off with a lump sum settlement of your debt
http://www.debt1consolidatioon.com
San Jose(meaning St. Joseph in Spanish) or San José is the third-largest city in California, and the tenth-largest in the United States. It is the county seat of Santa Clara County. San Jose is located in the Santa Clara Valley, which has been dubbed the "Silicon Valley," at the southern end of the San Francisco Bay Area. Once a small farming city, San Jose became a magnet for suburban newcomers in new housing developments between the 1960s and the 1990s, and is now the largest city in Northern California. The official United States Census Bureau population estimate for July 1, 2006 is 929,936.The California Department of Finance estimates, San Jose's population on January 1, 2007 was 973,672.
Originally known as El Pueblo de San José de Guadalupe, San Jose was founded on November 29, 1777 as the first town in the Spanish colony of Nueva California, which later became Alta California. The city served as a farming community to support Spanish military installations at San Francisco and Monterey. When California gained statehood in 1850, San Jose served as its first capital. After more than 150 years as an agricultural center, increased demand for housing from soldiers and other veterans returning from World War II, as well as aggressive expansion during the 1950s and 1960s, led San Jose to become what would later be known as the Capital of Silicon Valley. Growth in the 1970s attracted more businesses to the city. In the late 1980s, after four decades of heavy development and population growth, San Jose surpassed San Francisco in population to become the third most populous city in California. By the 1990s, San Jose's location within the booming local technology industry earned the city the nickname Capital of Silicon Valley.
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San Jose(meaning St. Joseph in Spanish) or San José is the third-largest city in California, and the tenth-largest in the United States. It is the county seat of Santa Clara County. San Jose is located in the Santa Clara Valley, which has been dubbed the "Silicon Valley," at the southern end of the San Francisco Bay Area. Once a small farming city, San Jose became a magnet for suburban newcomers in new housing developments between the 1960s and the 1990s, and is now the largest city in Northern California. The official United States Census Bureau population estimate for July 1, 2006 is 929,936.The California Department of Finance estimates, San Jose's population on January 1, 2007 was 973,672.
Originally known as El Pueblo de San José de Guadalupe, San Jose was founded on November 29, 1777 as the first town in the Spanish colony of Nueva California, which later became Alta California. The city served as a farming community to support Spanish military installations at San Francisco and Monterey. When California gained statehood in 1850, San Jose served as its first capital. After more than 150 years as an agricultural center, increased demand for housing from soldiers and other veterans returning from World War II, as well as aggressive expansion during the 1950s and 1960s, led San Jose to become what would later be known as the Capital of Silicon Valley. Growth in the 1970s attracted more businesses to the city. In the late 1980s, after four decades of heavy development and population growth, San Jose surpassed San Francisco in population to become the third most populous city in California. By the 1990s, San Jose's location within the booming local technology industry earned the city the nickname Capital of Silicon Valley.
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