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INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000, SIMPLE TAX INDIA, house loan.#House #loan


INTEREST ON HOUSE LOAN SELF OCCUPIED HOUSE 150000 or 30000?

Interest on borrowed capital for self occupied property

In the above context the following further aspects have to be kept in view:

Rs. 1,50,000 maximum deduction will not be available in the following situations:

  1. if capital is borrowed before April 1, 1999 for purchase,construction, reconstruction, repairs or renewals of a house property;
  2. if capital is borrowed on or after April 1, 1999 for reconstruction, repairs or renewals of a house property; and
  3. if capital is borrowed on or after April 1, 1999 but construction is not completed within 3 years from the end of the year in which capital was borrowed. In the above situations only deduction upto Rs. 30,000 can be claimed.

24(b) where the property has been acquired, constructed, repaired, renewed or reconstructed with borrowed capital, the amount of any interest payable on such capital: Provided that in respect of property referred to in sub-section (2) of section 23, the amount of deduction shall not exceed thirty thousand rupees : Provided further that where the property referred to in the first proviso is acquired or constructed with capital borrowed on or after the 1st day of April, 1999 and such acquisition or construction is completed 24[within three years from the end of the financial year in which capital was borrowed], the amount of deduction under this clause shall not exceed one lakh fifty thousand rupees. Explanation.Where the property has been acquired or constructed with borrowed capital, the interest, if any, payable on such capital borrowed for the period prior to the previous year in which the property has been acquired or constructed, as reduced by any part thereof allowed as deduction under any other provision of this Act, shall be deducted under this clause in equal instalments for the said previous year and for each of the four immediately succeeding previous years:] Provided also that no deduction shall be made under the second proviso unless the assessee furnishes a certificate, from the person to whom any interest is payable on the capital borrowed, specifying the amount of interest payable by the assessee for the purpose of such acquisition or construction of the property, or, conversion of the whole or any part of the capital borrowed which remains to be repaid as a new loan. Explanation.For the purposes of this proviso, the expression new loan means the whole or any part of a loan taken by the assessee subsequent to the capital borrowed, for the purpose of repayment of such capital.

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Can t Pay Your Student Loans? The Government May Come After Your House: NPR Ed: NPR, house loans.#House #loans


Can’t Pay Your Student Loans? The Government May Come After Your House

House loans

On Adriene McNally’s 49th birthday in January, she heard a knock on the door of her modest row-home in Northeast Philadelphia.

She was being served.

“They actually paid someone to come out and serve me papers on a Saturday afternoon,” she says.

The papers were from a government lawsuit that represents something more than just an unwelcome birthday gift — it’s an example of a program the federal government has brought to 19 cities around the country including Brooklyn, Detroit, Miami and Philadelphia: suing to recover unpaid student loans, like the ones McNally owes.

Every day, 3,000 people default on their federal student loans — and those lack of payments amount to an unpaid bill of $137 billion for the federal government. For decades, the government has tried to get borrowers to pay up by hiring debt collection agencies to call and send letters. But now the government is trying this new lawsuit strategy.

McNally filed for bankruptcy in 2006 and cleared out all her creditors — except for student loans, which are nearly impossible to get rid of in bankruptcy. As she and many others have found out, it’s not easy escaping federal student loan debt.

“Your whole body heats up with frustration,” McNally says. “I’m so frustrated over all this. It’s been so many years that they’ve been sending me mail and threatening me on the phone.”

In the last two years, more than 3,300 student loan borrowers have been sued after defaulting, according to the Department of Justice. In nearly every one of those suits, the borrower loses and the government wins.

What does the government win? A lien on the borrower’s assets — meaning that the debt is now attached to his or her most valuable belongings, like a home.

Jennifer Schultz, an attorney with Community Legal Services of Philadelphia, says that a lien traps a person, like house-handcuffs.

“I describe a lien as a kind of marker on the house,” Schultz says. “Any time a person tries to do a transaction involving their house — a new mortgage, a refinance, or if they try to sell it — they’re going to be expected to clear up any debt that’s attached to that house.”

The government has long been able to garnish wages, take income tax returns and divert Social Security and disability benefits. But targeting property is a way of applying even more pressure to get former students to pay up.

“It’s to try to awaken the avoider from their slumber,” says Drew Salaman, a debt-collection attorney in Philadelphia.

Salaman doesn’t work with student loans, but he’s familiar with debt avoidance. He says some of the borrowers are playing “catch me if you can.” These lawsuits ensure that people take responsibility for their debts.

“After all,” he says, “if we don’t have systems in place to recover debts, how can credit be extended?”

The end result of these suits — the liens — can be seriously threatening to borrowers. For many it’s a matter of housing preservation, says Joanna Darcus, an attorney on the student loan team at the National Consumer Law Center.

“For folks already living on the margins financially, the fear of losing that house can be palatable,” Darcus says.

Once a lien is in place, the government can force the sale of a former student’s home. That’s “exceedingly rare,” officials say, but it does sometimes happen.

The federal lawsuit program is expected to keep expanding, and with more than 8 million people currently behind on their federal student loans, it doesn’t look like the private firms will run out of work any time soon.


Finance – Department of Finance, Insurance and Business Law, house loans.#House #loans


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Department of Finance, Insurance and Business Law

Department Overview

Welcome to Virginia Tech’s Department of Finance, Insurance and Business Law. Whether you are a student, parent, alumnus, employer, faculty member or potential research partner, we encourage you to spend time on our website and learn more about our department and what we have to offer.

We are the largest department in Virginia Tech’s Pamplin College of Business, with over 20 full-time faculty members serving over 900 undergraduate students. In a typical year, our department awards more than 300 Bachelor’s degrees (including double majors). We also have an active Ph.D. program and support the university’s various MBA programs in Northern Virginia, Richmond and Roanoke.

Our faculty strive for excellence in teaching, research, and service to our students, community and alumni.Virginia Tech’s finance faculty are experts in their fields. They are actively involved in research in a number of areas, including corporate finance, investments and business law. As part of their research mission, they have published in the top journals within their fields. They are also frequently consulted for their expertise by businesses and other entities. In addition, a number of our faculty members have significant private sector experience and contacts that they frequently leverage in their teaching and advising roles, as well as in helping students navigate the placement process for internships and full-time jobs.

Our undergraduate program is highly rigorous and produces graduates who can succeed in a wide variety of finance careers. Our students are highly recruited by a large number of employers, with over 100 companies coming to campus in a typical year. Despite our department’s large size, the vast majority of our graduating seniors (over 80% in 2014) either receive job offers or continue on to graduate school. The median starting salary (excluding signing bonuses) for our Bachelor’s degree recipients was $56,700 in 2014, with the middle 50 percent ranging from $47,000 to $60,000. Within our undergraduate curriculum, we offer a number of tracks for students who want specialize in various areas of finance. We also offer preparatory coursework for students who want to take the Certified Financial Analyst (CFA) and Certified Financial Planner (CFP) professional exams. For students interested the markets and asset management, we offer hands-on learning through BASIS and SEED, two student-run investment funds, which each manage approximately $5 million of the university’s endowment funds.

At the graduate level, we provide a variety of finance courses as part of the university’s three MBA programs, which are located in Northern Virginia, Richmond and Roanoke. These courses are structured for students with work experience who are pursuing their MBA degrees on a part-time basis at night and on weekends while continuing to hold full-time jobs.

In Blacksburg, we also have an active, rigorous Ph.D. program that produces graduates who can conduct the innovative research required in both academia and the financial services industry. Our Ph.D. students work with our faculty in a variety of research areas, particularly the areas of Investments and Corporate Finance. We have placed our Ph.D. students at a numerous universities around the US and overseas, as well as into the private sector.

If you have any questions or need any additional information, feel free to contact us at [email protected] or (540) 231-5904.

  • Pamplin’s Department of Finance is ranked #5 in the nation by Collegechoice.net’s Best Bachelor’s In Finance Degree Programs, 2016.
  • The Department of Finance congratulates John Pinkerton’s award of emeritus status!
  • Tracy Castle-Newman has been listed as one of 100 most powerful people in Finance!
  • Finance alumni won all awards announced by the Pamplin Society at the Pamplin Advisory Council dinner! They are:
    • Rising Alumni Award: Bobby Bal, 2010 FIN
    • Rising Alumni Award: Christina Todd, 2009 FIN, Member of the Finance Advisory Board
    • Rising Alumni Award: Ashton Wilson, 2007 FIN
    • Mentoring Award: Nick Cullen, 1991 FIN, Member of the Finance Advisory Board
    • Ut Prosim Service Award: TJ Loeffler, 2011 FIN.
  • We would like to congratulate Jin Xu for her promotion!
  • The Department of Finance congratulates Dr. Hiller on the appointment of Director of Pamplin Integrated Security!
  • Zach Tekamp is one of 12 students chosen to receive a $5,000 scholarship as part of the 2017 TD Ameritrade NextGen RIA Scholarships Grants program
  • Bank of Fincastle Reports, George Morgan in the Media

Faculty Journal Acceptances:

Dr. Sattar Mansi – Journal of Corporate Finance – 2017

• “Do Long-Term Investors Improve Corporate Decision Making?”, with Ambrus and Jarrad Harford

Dr. Jin Xu – Journal of Financial and Quantitative Analysis – 2017

• “Taxes, Capital Structure Choices, and Equity Value”, with Mara Faccio

Dr. Brad Paye – 2017

• “Micro(structure) before macro? The predictive power of aggregate illiquidity for stock returns and economic activity,” with Yong Chen, and Greg Eaton

Dr. Vijay Singal- Journal of Fimacial Economics – 2016

• “Comovement Revisited,” with Honghui Chen, and Robert Whitelaw.

Dr. Gregory Kadlec – Journal of Financial Economics – 2015

• “Institutional investors and asset pricing anomalies,” with Ozzie Ince, and Roger Edelen.

Dr. Jin Xu- Journal of Financial Economics – 2015

• “Golden hellos: Signing bonuses for new top executives,” with Jun Yang.

Dr. Pengfei Ye – Journal of Financial Economics – 2015

• “Relative peer quality and firm performance” with Bill B. Francis, Iftekar Hasan and Sureshbabu Mani.

Course Request for Spring 2018 begins October 17-24, 2017


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Long Island Lighthouses – The Scoop on LI – s Most Beloved Landmarks #long #island #lighthouse, #long #island #lighthouses, #lighthouses, #lighthouse, #long #island #sound #lighthouse, #montauk #lighthouse, #orient #point #light #house, #iconic #light #house, #hamptons #light #house, #light #house, #north #shore #lighthouse, #south #shore #lighthouse


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Long Island Lighthouses

When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind. Read More When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind, it is undeniable that they are an important part of the history of Long Island. Make sure to visit a Long Island Lighthouse if you’re visiting, or even if you’re a local just looking to experience Long Island heritage, Lighthouses are a unique piece of our history you won’t want to miss. Show Less

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Refinancing house loan #refinancing #house #loan


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Refinance

What is ‘Refinance’

A refinance occurs when a business or person revises a payment schedule for repaying debt. Mechanically, the old loan is paid off and replaced with a new loan offering different terms. When a company refinances, it typically extends the maturity date. Companies or individuals refinancing loans may have to pay a penalty or fee.

BREAKING DOWN ‘Refinance’

The most common forms of consumer debt are mortgages, car loans and student loans. The borrower agrees to make certain payments based on a rate of interest. Companies operate the same way. The most common types of corporate loans are term loans. bonds and lines of credit. The company agrees to the terms of each loan type, and the bank lends it money. Terms provide the details of the loan and specify the interest rate, payment amount and payment date(s).

When the terms of the loan are revised in a way that changes the payments associated with the loan, the loan has been refinanced. In a refinanced loan, the old loan is paid off with the new loan, and the old terms are replaced with new terms. Some loan terms come with fees associated with prepaying, which makes refinancing less rewarding. The most common changes in loan terms are maturity date and interest rate.

Why Refinance

Borrowers refinance for myriad reasons. A common goal is to pay less interest over the life of the loan. Borrowers may also want to change the duration of the loan or switch from a fixed-rate to an adjustable-rate mortgage. or vice versa. The reasons and motivations behind refinancing a loan are as varied as the loan types offered.

Refinance Loan Types

There are several different types of refinancing options. The type of loan a borrower decides on is dependent on the needs of the borrower. The most common type of refinancing is called the rate-and-term. This occurs when the original loan is paid and replaced with a new loan. Another type of refinancing is the cash-out. Cash-outs are common when the underlying asset collateralizing the loan increases in value. The transaction involves withdrawing the value or equity in the asset in exchange for a higher amount. In other words, when an asset increases in value on paper, you can gain access to that value with a loan rather than selling it. This option increases the total loan amount but gives the borrower access to cash immediately while still maintaining ownership of the asset. Another refinancing option is referred to as the cash-in. The cash-in refinance allows the borrower to pay down the loan for a lower loan-to-value ratio or smaller loan payments.


Money Girl: 6 Tips to Sell a House Fast in Any Market #sell #my #house #fast #phoenix


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6 Tips to Sell a House Fast in Any Market

If you ve ever been in a situation where you need to sell a house fast, you know how frustrating it can be. Day after day, you hope the perfect buyer will come along and make a great offer.

Fortunately, there are ways to speed up the sale of your home. without sacrificing profit. In this episode, I ll give you 6 tips to sell your home as quickly as possible, in any real estate market.

How to Sell a House Fast in Any Market

I m sure you know that real estate markets vary drastically depending on where you live. I relocated from central Florida to the San Francisco Bay Area in 2013, and am still experiencing real estate sticker shock!

For instance, according to Zillow.com. the median home value in the San Francisco metro area is $688,600. The median for the Orlando metro area is just $161,600. Spending $500,000 on a home in central Florida buys you a mansion on a lake, while you d be hard-pressed to find something habitable for that price on the San Francisco peninsula.

In most of the U.S. real estate values have generally rebounded from the lows we saw in 2011. Plus, rising rents and cheap mortgage rates are pushing more renters to consider becoming homeowners in many markets.

So, if you re considering selling your home, it may be a good time. But before you put out the for sale sign, follow these 6 tips to make sure you sell as quickly as possible–and for the best price:

Selling Tip #1: Improve Your Curb Appeal

Nothing is more important than a first impression. So consider what a potential home buyer may think as he or she drives up to your property for the very first time.

Walk out into your street and look–and I mean really look–at your home to see its shortcomings. Is it attractive, clean, and well-kept, or does it need maintenance that you ve been putting off?

After you ve been in a home for a while, it can be difficult to see it objectively. So take suggestions from a real estate professional, friends, or prospective buyers about how to make it show better.

When your home is on the market, it s critical that your landscaping is well-groomed and your lawn is mowed 24/7. Plus, your driveway, exterior porches, and exterior walls must be clean, too.

If you put money into cleaning up the outside of your home, I can guarantee that buyers will be more likely to take a tour of the inside. Curb appeal is what draws buyers in, helps maintain their interest, and sets your home apart from the competition.

Remember that unless you re willing to discount a home s price well below market value, prospective homebuyers generally won t want to buy a house that needs a lot of work.

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Insurance for Landlords #house #rental #insurance #quotes


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Insurance for Landlords

What types of insurance for landlords do you offer?

We have 2 types of policies: Landlord’s Rental Dwelling Insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or if you’re just leasing your home or condo, we’ve got a policy to suit your needs.

What does insurance for landlords cover?

  • The following benefits are available with any policy you choose:
  • Property coverage, which covers your rental property if you own rentals built for one to four families, as well as other private structures on your property (like a garage or shed), and personal property, like tools, appliances or furniture that’s stored on the property or used by your tenants. This coverage even includes items that are out for repair or servicing.
  • Loss of rental income protects you if something happens and you’re unable to rent your property out. We’d pay for your loss of rental income during the repair or rebuilding period.
  • Liability coverage helps cover you for one of the biggest risks landlords face: responsibility for injuries that occur on their rental property. This coverage includes personal liability, which will provide $100,000 of coverage (or more if you choose) if someone gets hurt or property damage occurs and you’re found responsible. This also covers all your defense costs. It also includes medical payments to others, so that if someone is hurt on your property, we’ll pay up to $1,000 (or more, depending on your policy) for medical costs.
  • Personal injury coverage will protect you as a landlord from lawsuits alleging wrongful entry, wrongful eviction, and invasion of the right of private occupancy.

What other features and benefits do the insurance for landlord policies offer?

In addition to our basic policy, we offer two different options to protect you from out of pocket costs, if you ever have to repair or rebuild your investment property:

Extended limits coverage will safeguard you against unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeds the policy’s Coverage A limit. If the amount of insurance selected for the dwelling prior to the loss turns out to not have been enough, Extended Limits Coverage provides 25 percent more insurance to cover the extra need.

Coverage A Plus SM provides maximum protection to cover the cost to rebuild or repair your property if it were destroyed, even if that cost were more than the amount shown for Coverage A on your policy. There is no limit to the amount over the policy amount (except in a few states, such as FL). Your deductible applies.

We can help you find solutions to meet your unique needs. Just fill out the form—there’s no obligation.

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By clicking submit, you agree that we* may contact you at the number you’ve provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don’t want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

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1 See policy for restrictions.

2 Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

3 Up to the available coverage limit of 25 percent of the dwelling’s Coverage A amount.

Landlord’s Rental Dwelling Insurance is not available in all states.

MetLife Auto Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.

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The Military – s Cybersecurity Budget in 4 Charts – Defense One #white #house, #mark #welsh, #cyber #attack, #cyberwar, #cyber #workforce, #cyber #threats, #army #cyber #command, #cyber #budget


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THIS WEEK. Opening the missile defense discussion; Canada throws shade, and more.

  • Everything That’s Wrong With That McMaster Op-Ed

  • Pentagon Accelerates Work on Multi-Warhead Interceptor

  • Pentagon Wants to Get Started on New Air Force Two and Doomsday Planes

  • What Xi Jinping Wants

  • The Military s Cybersecurity Budget in 4 Charts

    The White House is pitching $5.5 billion in cyber spending for FY 16. Here s what that money looks like.

    This story was updated March 19.

    U.S. Cyber Command spending will take a 7 percent hit this year, even as it tries to get mission troops up and rolling in 2016, according to Defense Department budget figures.

    Last year, the force was funded at $546 million, while 2015 estimates project a $509 million purse. Pentagon spokeswoman Lt. Col. Valerie Henderson on Wednesday night said the 2014 number included money for one-time purchases “to fit-out and lease facilities” for the cyber troops.

    Money for the command — tasked with orchestrating network defense maneuvers and offensive cyberattacks — will stabilize over the next five years, totaling out at $2 billion.

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    About $500 million in 2016 would go toward compensating computer security whizzes departmentwide, according to budget materials provided to Nextgov. Earlier this month, Defense received the green light to fast-track the hiring of 3,000 civilian cyber pros. in part, to staff the half-full Cyber Command.

    **The Cyber Command line item is not inclusive of all Cyber Command spending. Some of U.S. Cyber Command’s funding is also included in the cyberspace operations and cybersecurity initiative categories. Total U.S. Cyber Command funding for fiscal 2014, 2015 and 2016 is below:

    • Total Cyber Command funding FY 2014: $546 million
    • Total Cyber Command funding FY 2015: $509 million
    • Total Cyber Command funding FY 2016: $463 million

    The criticality of the command’s troops was underscored Friday, when Defense Secretary Ash Carter chose them as his first stateside military audience .

    “That should tell you something about how vital the mission is that you all have taken on, how important it is for the security of our country and, for that matter, the security of our economy and our people in their individual lives, because cyber touches all aspects of their lives,” Carter said at command headquarters in Fort Meade, Maryland.

    Defensewide, cyber funding would reach $5.5 billion under the White House’s 2016 budget, with more than half of that sum going toward operations and maintenance.

    But a significant amount would also be devoted to innovation. The “research, development, test and evaluation” request totals $1 billion. That’s more than double the amount slotted for procuring new tools.

    The Air Force’s $1.4 billion piece of the 2016 cyber pie is significantly higher than the Army’s $1 billion portion. Air Force officials in recent weeks have voiced concerns that across the board spending cuts could hurt the branch’s technical supremacy, according to CNN.

    “The option of not modernizing isn’t an option at all,” Gen. Mark Welsh, the Air Force’s chief of staff, told Senate lawmakers last month. “Air forces that fall behind the technology curve fail … And joint forces without the full breadth of air space and cyber capabilities that modern air power brings will lose.”

    There has been some discussion of transitioning Cyber Command to its own military branch. But it won’t be in the immediate future.

    Defense does not want “to take too many jumps, organizationally, at once,” Carter said last week. “We have given some thought to that. And for right now, we’re walking before we run,” but “that’s one of the futures that cyber might have.”

    Currently, the goal is to prop up 133 mission forces teams, “with the majority achieving at least initial operational capability by the end of fiscal 2016,” Cyber Command chief Adm. Mike Rogers told House lawmakers earlier this month. “I have been working with the services to accelerate the work we are doing to keep on schedule, but I can promise you that will not be easy,” he said.

    Any potential Cyber Command branch would be dwarfed by even the smallest of the armed services, like, for example, the $24 billion Marine Corps.

    Correction: Defense budget documents initially provided to Nextgov reported U.S. Cyber Command funding was set to increase from $190 million to $364 million — a 92 percent increase. However total Cyber Command funding is also provided through additional funding line items, according to U.S. Army spokeswoman Valerie Henderson. When all program elements are added up, total Cyber Command spending between 2014 and 2015 is actually set to decline from $546 million to $509 million — a 7 percent decrease.

    • Aliya Sternstein reports on cybersecurity and homeland security systems. She’s covered technology for more than a decade at such publications as National Journal s Technology Daily, Federal Computer Week and Forbes. Before joining Government Executive, Sternstein covered agriculture and. Full bio
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