Personal Loan vs. Credit Card Debt – Weigh Your Options
Have you ever thought about paying some of your bills with a credit card? Not only do many people pay bills with charge cards, but a lot of companies encourage this type of bill payment. After all, having your credit card information on-file is a great way for a company to ensure that they are always paid on time. The problem with giving your charge card information to a company is that you may not be able to pay back that monthly bill. [more...]
Date: 2009-09-25 07:16:35
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Alabama Used Car Loan Bad Credit No Credit
Used car loans are very useful if you can’t quite afford a brand new car in Alabama, and are seeking finance for something more within your budget ... your affordable payments. Another aspect of owning a used car to take into account when considering ... that it is not in immediate need of repair. Then figure out your maximum monthly expenditure, [more...]
Date: 2008-12-19 13:50:45
Confession Time Again
A reader tipped me off to an article (thank you!). The most interesting part of the article is a quote from a Christmas shopper: “This year, we’ve decided to just go for broke. Yeah, the economy might be in bad shape, and times might ... in credit card debt way back then. But the thing is - I still deal with those thoughts. Why [more...]
Date: 2008-12-04 02:39:48
Steps To Stop Recession For Governments, Companies & Individuals
Decrease in personal consumption, over spending, exorbitant imports, inflation, cyclical economy, high interest rates, sky high energy prices, trade deficit, consequent wars, subprime mortgage crisis, massive personal debts and debt trap, Clinton administration, Bush administration (or even Obama’s election promises?!!!!); who (or what) [more...]
Date: 2008-12-22 13:19:11
Chance to Win!
One of my uncles (by marriage) loves to gamble. He doesn’t bet the mortgage payment at the horse track or anything like that, ... for insurance (”This is my chance to save and win! Get a car insurance quote. Get a home insurance ... who are bad at math”. I’m open to taking calculated risks, such as starting a business or investing [more...]
Date: 2008-11-25 10:07:42
Gordon Ramsay at the London Review (and some weekend links)
Would Gordon Ramsay eat at his own Restaurant. I think not. A couple of weeks ago, I followed my wife on a work trip to Los Angeles. I had never been, but with my Celtic’s Beat L.A. shirt packed, I was ready for adventure. It wasn’t nearly what I thought it was. Where we were staying (Omni Hotel), there was almost no one [more...]
Date: 2008-08-03 17:07:40
2008 Financial Goals - How Did I Do?
We are less than a month away to a brand new year. Around this time last year, there were several financial goals I wanted to accomplish in 2008 ... finance company. I never want to have another car loan again!!!!Increase My Credit Scores. My goal ... when my Experian credit score finally jumped above 720. I guess 4 out of 5 ain't too bad. I probably would [more...]
Date: 2008-12-15 11:45:00
Battling the Blackness
Since I lost the job, I've had a hard time fighting the dark mood that that has been dogging me for two years, ... me to complete a new background check form. I got a copy of the report a week ago, which means they did, too ... to be the last on the playground when choosing sides for kickball. Again.The letter that came yesterday, informing [more...]
Date: 2008-12-27 18:13:00
Guest Commentary: If We Don't Learn from History. . .
By Marilyn Barnewall To whom should we listen about banking, the stock market, the economy? There are so many differing analyses right now, it is difficult to know. One opinion is that Wall Street is sitting on $50 plus trillion in leveraged assets and the United States government has a $5 to $6 trillion gross domestic product ( [more...]
Date: 2008-11-29 09:15:20
GOP Convention open thread
UPDATE: McCain's remarks are below the fold. OK. Go at it. McCain's vanity video is on now. Earlier, John McCain's infamous toady and Baghdad rug shopping partner, South Carolina's Sen. Lindsey "I bought five rugs for five bucks" Graham, went into attack pooch mode to accuse Barack Obama of saying the surge had no effect and he wants to lose in [more...]
Date: 2008-09-05 03:58:52
We just got really close to carrying a balance
I felt like we dodged a bullet tonight. I was checking balances on some of my accounts and I loaded up the balance on our primary checking account ... through. It actually popped in my head that we could just not pay our full credit card bill next month ... . Getting into credit card debt, of course, is way easier than getting out of it. (Just ask [more...]
Date: 2008-09-28 07:10:59
savings accounts in problem banks. Gen X Finance asks if you got suckered into a fake gas price hike from hurricane Ike ... Posts:A Credit Card Survey, Passive Income, Car Payments @ The Carnival Money Articles To Make ... 29. Rich Credit Debt Loan suggests ways to undo the results of financial trauma. Money Ning [more...]
Date: 2008-09-16 16:36:41
Christmas Stories of Hope
I'm one of those who loves those occasional Christmas news stories of someone doing something heroic for another person ... we, the public, devour such bad news as the well trained little Pavlovian dogs that we have become ... furniture. Meanwhile, checks and gifts kept pouring in. On Wednesday afternoon, a patrol car [more...]
Date: 2008-12-28 13:55:00
- All I can say is WOW!
Look what I found in my inbox today! WOW!! In our meetings at the end of 2008 we had a discussion on the second coming. I took part in a lesson in Relief Society. In that lesson we talked about many things, one of which was that we are waiting for the prophecies of Joel to be fulfilled wherein the sun would be darkened and the moon turned to [more...]
Date: 2009-01-06 20:15:00
My Thoughts on Debt
I received a comment the other day about choosing to go into debt again. It was prompted because I discussed the possibility of a car loan ... the credit card companies for our debt…I can’t. They didn’t make me use their cards. I did that. I swiped ... loans than I had to. So I don’t regret all of the student loans I took out. For mortgage debt, given [more...]
Date: 2008-12-21 05:44:10
The Poverty Business
Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]
Date: 2009-01-15 00:45:24
Being Aware Of The Catches In Loans
Taking a loan is not like going on an expedition to the North Pole 200 years ago, when one did not know if one would ever get back alive. [ ... URL=http://www.badcreditloanservices.com/bad-credit-personal-loans.html Loans /URL certainly ... . If your responsibility is clear, your security, be it home, car, or other collateral will not be lost. Another way [more...]
Date: 2008-12-30 18:42:13
Troubling Signs From Fed's Jackson Hole Conference
It's hard to discern what took place in a closed-door session at a remove, ... U.S. mountainside symposium today with a sense there's not much more they can do to repair credit ... of transparency; bad incentives; the central, problematic role of conflict-ridden rating agencies [more...]
Date: 2008-09-01 08:39:56
IMF Likes Obama's Plan
WSJ: The International Monetary Fund's top economist generally endorsed the incoming Obama administration's approach to economic stimulus, and urged countries to consider offering a kind of "recession insurance." President-elect Barack ... go to consumers who are "truly credit constrained."In an accompanying research paper, Mr. Blanchard and three [more...]
Date: 2008-12-30 04:33:00
The First To Fall And The Last To Rise
The Manteca Bulletin reports from California. “In the go-go days of stratospheric housing price increases some newer neighborhoods - such as Woodward Park, Diamond Oaks, and Villa Ticino - were seeing prices jump as much as $5,000 a month. Now those neighborhoods have returned back to earth as closed deals so far this month signal that banks are [more...]
Date: 2008-10-11 18:59:11
tragedy on Black Friday. The comments have been great with lots of participation ... And What About A Second? Not Having The Police At A Car Accident Can Cost You Second Economic Stimulus Package Gains ... bonus Creative Commons License photo credit: wili_hybrid Thanks for reading ! Share This Article [more...]
Date: 2008-11-29 04:11:06
Bolsheviks Seize Detroit (GM)(F)(TM)
As far as anyone can prove, Henry Ford and Alfred Sloan were not members of the Communist Party. Neither one of them was asked to testify before the House Committee on Un-American Activities. No one has ever even hinted that either of them ever met Senator Joseph McCarthy. Left alone, Detroit did fairly well [more...]
Date: 2008-10-28 08:24:49
The Secrets behind the FICO Score
by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]
Date: 2009-09-28 13:26:56
Recession? Depression? How Deep, How Far and What Can Be Done?
By Joshua Holland, AlterNet. Posted October 11, 2008. A survey of what some of the best thinkers believe we’re facing in the coming months and years — and the best ways to prevent complete disaster. As the financial crisis gains steam, moving from overextended American households to global banking giants, fear of a major crash is spreading [more...]
Date: 2008-10-12 14:39:21
The New China, Bush Asks for TARP, 2009 Oil Surprise, Buy Turkmenistan and More!
by Addison Wiggin & Ian Mathias Chinese exports dive; oil imports, money supply and leverage rise… sound familiar? Bush asks for rest of $700 billion TARP… S&P says USA’s credit rating getting shaky Dan ... d been forecasting that because the economic paradigm “We think, they sweat” was a bad one — it was unlikely [more...]
Date: 2009-01-08 01:36:29
The Bailout Busts - What’s Next for Americans
Lord, have mercy. I look at the news in the morning and am shocked & appalled only to receive some fresh, ... in their largest one-day point drop ever. Credit markets, whose turmoil helped feed the stock market’s angst, froze up further amid the growing belief that the country is headed into a spreading credit [more...]
Date: 2008-09-29 23:41:12
Devise your own Credit Repair Plan
by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... . You will be particularly concerned with credit cards and perhaps small loans. List the cards with highest ... income. This is the amount of your salary that goes for necessities such as mortgage, car loans [more...]
Date: 2009-01-14 23:53:58
My Gasoline Budget Is Always In The Red
gasoline. The price of gasoline just keeps going up so I know why that is, but I was surprised by the groceries. it always seemed like I was coming in very close to budget every week so how could I have spent $124 more this month than I budgeted? When digging into the numbers, I figured it out - I did go spend $30 on a huge chicken sale, [more...]
Date: 2008-06-28 13:53:55
Upper Galilee is Lovely this Time of Year...
So, I have received no small number of questions and e-mails in response to this post; here is a short explanation ... the hospital "has had a bad experience" with American insurance companies, all expenses were up front ... . On Sunday afternoon, Davida and I rented a car and left Jerusalem for Ken Bahula, a bed [more...]
Date: 2008-06-27 14:42:21
19th Finance Fiesta! I hope you checked them out, if not be sure to look at all the great posts ... t dream anymore“, and I gotta agree Mrs Micah talks about throwing good money after bad, for me it’ ... want to because my DH is feeling the itch before the weather gets bad! My grandmother [more...]
Date: 2008-10-09 13:00:05
McCain speaks. Quietly
John McCain’s speech lacked the fireworks of Sarah Palin’s. It lacked the soaring oratory of Barack Obama’s. McCain’s delivery was flat at times and he even stumbled over a number of words, which could only underline his age - his greatest weakness. But what the speech had was a quiet substance and sincerity that set it apart from the others [more...]
Date: 2008-09-05 07:14:32
Does Anyone See A Problem Here?
All italics, boldface and parenthetical commentary are my own. This article comes from CBS News.It's no secret that investment bankers are well-compensated, mostly through year-end bonuses, especially during bull markets.(If it were a secret, would it make our indignation less or more? [more...]
Date: 2008-11-13 03:38:00
American introspection after collapse
Every time I write on the subject of our "economy of consumption," I get loads of e-mail ... of people receiving loans that should not of been allowed to have a credit card, but greed again ... and planning (See Ford, GM, Chrysler). I don't know how bad this correction is going [more...]
Date: 2008-12-07 13:27:07
Confessions of a Former Mistress-an article
I'm currently reading Inga Ellzey's novel The Exchange. Recently Inga's publicist sent me this article that Inga wrote. I read it and found it interesting. I'm posting it here, though should state that I don't agree with married people having affairs. I've been married 13 years to my high school sweetheart and I believe that marriage is sacred [more...]
Date: 2008-11-29 00:06:02
Making Money
In a vain attempt to pay the bills and clear some of the ever increasing debts, I decided to search E-Bay. I came across an advert for this stereoscope outfit and discovered it sold for £25! Woohoo I thought, I have one of these wasting away in a cupboard. It was given by the lovely lass and once looked at it became forgotten [more...]
Date: 2008-12-13 11:11:00
A Chicken Bailout in Every Pot (Car Loan Edition)
Since the TARP has a very big checkbook and a very broad mandate (it can buy any kind of dud loan it chooses to, plus bona fide assets) ... or that market liquidity is hurting pricing. From Reuters, "Finance companies want US to buy bad auto ... auto loans to the government as part of Washington's sweeping plan to restimulate credit markets [more...]
Date: 2008-10-15 07:06:08
Bridges
In mid-July in the United States we crossed a psychological river. Here's why:It became common to see $4.00 per gallon gasoline at the pumps ... credit can not long stand. When Harry swiped his Discover card to buy the gas for the Jimmy ... out their credit card statements, their mortgage note and second mortgage (that they got the great [more...]
Date: 2008-12-17 22:33:00
Bush’s Speech On The Bailout Tonight
Reprinted in full… THE PRESIDENT: Good evening. This is an extraordinary period for America’s economy ... . As uncertainty has grown, many banks have restricted lending. Credit markets have frozen. And families ... credit. As a result, our entire economy is in danger. So I’ve proposed that the federal government [more...]
Date: 2008-09-25 02:38:52
I Want My Bailout Too and Here's Why
With all the bailouts and emergency assistance many of America's corporations are getting from the US government, ... for companies that were badly run or could not have anticipated such bad economic conditions. You can't blame me either for bad investment choices, because who knew stock markets and house prices could [more...]
Date: 2008-12-05 18:57:00
Eleven (Nearly) Effortless Ways to Save Money Each Month
I confess, I haven’t had much energy the last few weeks. Making any significant overhauls to our financial plan, our budget, etc ... lot of effort.1. Cut cell phone service down to minimum. Talk to your current provider about reducing ... our cell phone provider to tell us the average paid minutes we used over the last six months [more...]
Date: 2008-11-13 18:00:52
Emotional, financial and legal advice on surviving redundancy
Keep calm Remember you're not alone Redundancy can be a devastating, sometimes brutal, experience but it's not your fault ... the credit crunch in your own backyard," says Phillip Hodson, a fellow of the British Association ... way as due to the western economic cycle, the bastard in charge of hiring and firing, or bad luck [more...]
Date: 2009-01-08 14:45:20
My Frugal Story by Green Panda
The following is a guest post by Green Panda of Green Panda Treehouse. If you like this post, consider subscribing to her RSS feed ... financial mistake was getting a auto loan for my current vehicle. I had one car loan before but got ... a nominal amount for rent at my mom’s place. I got a credit card in college and like many of my friends [more...]
Date: 2008-09-02 11:00:16
Calif. workers get 20 more weeks of jobless benefits
O.C. green car maker counts on GM parts O.C. house sales doubling, best growth in 20+ years O.C. starter-home requires $85,800 salary — half 2005’s level Calif. workers get 20 more weeks of jobless benefits South Coast Plaza, department stores extend hours for holidays Fire officials respond to questions on roof sprinklers and gel Buy an O.C [more...]
Date: 2008-11-21 14:50:29
How To Save Your Home From Foreclosure
Recently, Passive Dad asked me about free creative ideas to help friends facing foreclosure ... if you qualify for FHA home loan. Cancel services that you don’t need without paying unreasonable penalty ... away knowing that it’s not worth the effort — i.e., too far upside down, bad mortgage term [more...]
Date: 2008-10-03 11:40:48
How to Save Money by Cruising
Not that kind of cruising… but I’m glad I got your attention! Cruising as a vacation is one of the more frugal ways to get away… provided you pay attention to how things are run on cruise ships! I just got back from a 7 day cruise on the Carnival Triumph sailing from Miami with stops in Ocho Rios Jamaica, Georgetown Grand Caymans, [more...]
Date: 2008-12-26 19:18:14
What Has Happened to Real Estate Prices?
by Mary Bush Back in the late 1990’s and in the early part of the 2000’s banks had tougher guidelines to purchase a property when using conventional financing. Banks would lend you money based on your debt to income ratio and your credit score ... in addition to your residential mortgage payment. In some cases, the banks would stretch the loan [more...]
Date: 2008-12-21 13:24:48
What Has Happened to Real Estate Prices?
by Mary Bush Back in the late 1990’s and in the early part of the 2000’s banks had tougher guidelines to purchase a property when using conventional financing. Banks would lend you money based on your debt to income ratio and your credit score ... in addition to your residential mortgage payment. In some cases, the banks would stretch the loan [more...]
Date: 2008-12-29 12:10:23
DrumBeat: August 12, 2008
High gas prices make motorists click on carpool sites NEW YORK — Robert Gilliland didn't think much about carpooling until gas prices got out of control. Now, he's happy to trade his motoring freedom for $120 in weekly savings. Gilliland found one rider through the classifieds website Craigslist and another using the carpool-matching service [more...]
Date: 2008-08-12 12:54:13
Maybe Sometimes It’s Not Possible to Save Money
An AFM reader left this comment on my post, You Can Build Wealth Even if You Don’t Make A Lot of Money: I live in the midwest, ... each month (one with a limit of $300, the other $750 - we are using these to raise our credit score ... outreach. (I usually teach 2 classes per year at $400 per credit hour which works out to $1200 gross per [more...]
Date: 2008-07-08 16:07:55
Better Deals On Loans
Author : Melissa Kellett Whatever loan you may be looking for, there are some do's and dont's regarding the deal you close Secured or unsecured? Good or bad credit? Mortgage or personal? There is always an adequate loan for each situation, for each need and each taste Look into this concise but exact article that may enlighten you towards a good deal on a loan and a better ending at the end of the payment term Secured Or Unsecured? [more...]
Date: 2009-09-26 07:31:07
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