Second Chance Bank Accounts

With the economic downturn raging, plenty of individuals have found themselves in either short-term or long-term monetary trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial problems. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is stopping you from achieving a better financial outlook. [more...]

Date: 2009-09-28 15:51:01

Blog posts (134) | Videos (28)
 

When you overdraw your checking account does that effect credit??

don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every ... account does that effect credit??" hangin' out in the wind. My post on overdrafting sure didn't [more...]

Date: 2008-09-10 16:07:32

Non ChexSystems Banks

by Dan Moskel If you have been placed into chexsystems you are in a difficult spot ... a review of the tribute credit card an unsecured bad credit mastercard. ... you do have an alternative to a checking account. You can get a prepaid credit card that will give [more...]

Date: 2008-12-02 13:43:19

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:25:05

Second Chance Banks, Alternative Banking, Alternative Banking Accounts

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-30 11:18:06

Procrastination will kill me, but I am not ready yet...

Doing my bills this morning, as I try to correct the yaw in my course - and I look at my annual percentage rate on one of my credit cards... yikes! ... that bad boy into bits. Step one taken, sigh. No wonder there is a credit crisis - who could pay ... my checking account. [more...]

Date: 2009-01-05 16:06:00

Capital One Will Ruin This Guy's Credit One Way Or Another [Capital One]

Joseph is having problems paying his Capital One card, mainly because Capital One keeps making it hard for him to pay it, ... May when I called to ask them to fix my account once again, and they claimed I had a bad check ... credit, I don't see how this is possible seeing as I had been paying the minimum amount each month [more...]

Date: 2008-06-25 23:24:23

Obtain A Second Chance Checking If You Have Financial Troubles

by Steven J. Talrechi If you’ve had financial problems that have made you ineligible for a checking account, don’t despair. You’re not alone ... or Visa credit cards do. If you opt for just the debit card, a voided check will be included in your set ... , as can a bad credit history. If you’ve been reported to one of these systems and you can no longer [more...]

Date: 2008-09-24 19:43:06

Are You Really Ready To Invest?

Investing involves risk.  So before you strike it rich, it’s important to make sure you’re not going to lose everything on one bad stock pick ... out of your checking account every month.  If you don’t see it, you can’t spend it! Emergency Fund Management ... up.  Not having a job is bad enough.  Ruining your credit while not having a job is just [more...]

Date: 2009-01-16 09:43:09

Merchant Services Charge-back Horror: Why Paypal Ia The Only Way:

_3248 Creative Commons License photo credit: David Boyle in DC There are reasons why I had the outrageous gall to re-start my online marketing ... ), those customers can decide to lie to the banks at any time, about an e-check, or a credit card payment ... to our merchant account when that happened. As if it wasn’t bad enough that people stopped [more...]

Date: 2008-11-01 17:55:10

One-Stop Shopping Calamity

The news that Citigroup is considering selling half its Smith Barney brokerage unit to Morgan Stanley is seen as evidence that Sandy Weill's plan for ... from one financial institution. Credit cards, checking accounts, mortgages, brokerage services ... a one-stop financial shop is officially dead. But the financial supermarket is the bad idea [more...]

Date: 2009-01-12 18:00:00

E*Trade on the Brink - Seeks $800 Million from TARP to Stay Solvent

Battered E*Trade banking on government fundsFri Nov 21, 2008 5:15pm ESTBy Jonathan SpicerNEW YORK (Reuters) ... U.S. government funds that would bring some relief to its book of bad mortgage loans.Shares ... situation. E*Trade Bank offers credit cards, savings and checking accounts, and mortgage and home equity [more...]

Date: 2008-11-22 21:26:00

Unsecured Personal Loans Don’t Need Collateral

by Dave Davis Putting up the collateral for a loan is often a very scary experience ... that have a solid credit history. For people that have bad credit, there is another type of unsecured loan called a payday loan. As long as the borrower is employed and has a checking account, they can usually [more...]

Date: 2008-10-15 18:59:28

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

2008 Goals Review and Preparing for the New Year

One year ago, I listed my goals for 2008. Here’s a review of my list from last year. Pay off all Credit card debt - Failed! ... in my primary checking account, which helps make budgeting easier and can serve as an emergency fund if needed. Earn $20,000 (gross) from side businesses - Not bad. I didn’t make it to $20,000 [more...]

Date: 2009-01-06 22:33:00

Payday loan, emergency cash money

Applying for a loan and getting it in your hands has a lot of gap in between ... salary should be above £1,000 per month - You should have a current checking bank account ... , depending on your income. The repayment term is usually a week to a month. If you have a bad credit [more...]

Date: 2009-01-03 00:33:35

Marriage and Careers in a Bad Economy - September in Review

September started off kind of slow but ended up a crazy month! Let’s hope we don’t see many more months like it in the future ... for married couples, joint checking accounts for couples, and budgeting for newlyweds. Career Tips ... of the financial markets and the credit crunch that captured the attention of the country and hi-jacked [more...]

Date: 2008-10-05 13:30:15

Treasury Check Kiting Latest Bush Debacle

President Bush has done an excellent job defending the US ... with no accountability wasn’t bad enough, now they’re pumping $6 billion into just above subprime auto loans: GMAC ... 7 years now.  For this, he deserves a great deal of credit.  But for all that, his domestic policy [more...]

Date: 2008-12-31 03:35:22

Understanding Second Chance Banking

by Lianne Gaines With the economic decline raging, a lot of folks have found themselves in either short-term or long-term economic trouble. Unfortunately, these troubles can haunt you across many aspects of your life. Too many individuals do not realize that there are ways to navigate around these financial troubles. Be it bad checks, credit debt, or lack of health care, there are resources that will get around, or at least alleviate whatever is blocking you from achieving a better financial outlook. [more...]

Date: 2009-09-29 10:39:14

Tram Nguyen: A Bit of a Break from the Big Banks

Sometimes, the threat of regulation actually works. This week, JPMorgan Chase and Bank of America both announced changes to their overdraft fees -- an established, if somewhat nefarious, bank practice that has increasingly come under fire during this recession. For years, banks have charged hefty fees for "overdraft protection," raking in billions of dollars in revenue as a result of confusing and manipulative policies that can leave a customer owing hundreds in penalties for tiny over-drawn amounts. [more...]

Date: 2009-09-25 15:01:28

What are you reading?

Labor Days Vol. 2 Welcome once again to What are you reading?, the weekly column where the Robot 6 team runs through what comics and other stuff they've been checking out lately. As Chris is in Bethesda this weekend, I'm filling in for him as your host. Our special guests this time are Philip Gelatt and Rick Lacy , creators of the Labor Days graphic novels published by Oni Press. Volume two, Just Another Damn Day , is now available in finer retail establishments everywhere. [more...]

Date: 2009-09-27 17:11:32

Review: Norton Internet Security 2010

The good Surprisingly lightly CPU usage Bolsters last year's reputation-based detection engine with a new behavioural-detection system The bad Still a fairly hefty CPU footprint New efficacy results show that while it continues to be in the top five apps at detecting malicious software, it still doesn't have the highest rate of detection Dramatic improvements to its Norton suite during the past two years indicate that Symantec has been listening to the needs and complaints of its customers. [more...]

Date: 2009-09-25 05:59:01

13 Comments

229 views Nestle Family Blogger DramaAnnouncements — By Trisha-admin on September 30, 2009 at 3:15 pm I wanted to say, on my own little spot of the world that no one else can regulate (and longer than 140 freaking characters), that I don’t find any of this Nestle crap attacking bloggers appropriate.The message has been lost by those that were trying to advocate a true issue. I would be furious if I was trying to get out information on a cause and this was the result. [more...]

Date: 2009-09-30 20:15:36

Where do you put money if you’re concerned about bank failures?

Over on this post Placebo has a question: I’ve noticed you’ve posted quite a bit on banks failing. So where are you parking your money in light of this widespread problem? I know gold is one place … Thanks! Right now the FDIC is still guaranteeing everything. I don’t think anyone needs to panic as long as their accounts are FDIC-insured. Keeping your money in the bank is still safer than keeping it in your mattress where robbers and fire can take it. [more...]

Date: 2009-09-24 13:10:35

Need A Loan But Dont Have A Bank Account? No Problem!

by Robert G. Loewen Is it possible to get a loan with horrible credit and without a checking account? Yes, not only is it now possible, there are a lot of lenders to chose from who will provide you with emergency funds, or funds for any purpose needed. A good source to find this type of loan is the Internet. In the past unless you had a checking account and payment stub from your employer you were unable to get any type of financial assistance whatsoever. [more...]

Date: 2009-09-24 14:18:43

Kids and Allowance

Welcome Consumerist readers! Want more stop by my “about” page my press page , and consider subscribing to my RSS feed . You can also follow me on twitter where I talk a lot. Thanks for stopping by! photo credit: Pingu1963 “Can I have that, please???” As a parent, how often have we heard that familiar phrase? If you don’t have kids, I’m sure you remember a time you berated your parents for a prized possession. [more...]

Date: 2009-09-25 15:09:27

Cheap Payday Loans-Avail easy money without any hassle

Deal with uninvited financial crisis is very difficult especially in the middle of a month when you are running out cash. With an exhausted salary and fewer funds no one can meet with their regular or other unforeseen expenses easily. But now one can accomplish their vital cash requirements easily without waiting till their next paycheck instantly with payday advance loans. These loans are quite easy to access with its online medium. [more...]

Date: 2009-09-25 07:16:28

Next day Cash Loans fast solution for emergency purposes

Author : jaren lese When a family emergency situation arises, it has to be instantly met and any delayed monetary help may be of little use If you earn a monthly salary, then next day cash loans can fetch you timely monetary help in the same day without any credit checks and other hurdles While the approval comes instantly, the loan amount comes in your bank checking account usually within 24 hours You can use the loan for car repairing, paying off a credit card bill or electricity bill on [more...]

Date: 2009-09-26 07:31:07

Bad Credit Score: Effective Ways to Repair It

If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!Having a good credit score rating means everything in today’s world. It is something that you should have in order to live life comfortable and as easily as possible. This is why many people work hard in order to have good credit rating score and prevent them from plunging in to a bad credit rating score.You now ask what kind of things that you can benefit from by having a good credit score. [more...]

Date: 2009-09-27 02:23:32

Things To Remember In Choosing A Credit Card

by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]

Date: 2009-09-28 09:44:37

No Credit Check Loans – Help and Advice

by Jimmy Tyrrell Thinking about a no credit check loan but not sure of all the facts? If so, you should invest a few minutes reading this. By the end of this article you should be better informed to decide if no credit checks loans are for you, and as there is more than one type of no credit check loans which one you should consider. Firstly, we must address the subject of no credit check payday loans. Because of the reasons described below these loans might not be an option. [more...]

Date: 2009-09-29 11:35:37

Credit Repair Can Make Your Life Stress Free

by Dina Salinas For most people, having bad credit would be like the end of the world. People rely on credit for even the simplest transactions in this modern world. If you have bad credit, then simplify your life with a credit repair that is within reach. If you’re having financial issues, chances are that creditors already know. They can tell by the way you handle your credit, the way you pay it, etc. For instance, if you are changing your credit pattern or taking cash advances. [more...]

Date: 2009-09-27 18:08:52

Credit Repair! You May Have A Bad Credit Rating And Not Even Know It

When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mis management of our finance s, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 1% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities. [more...]

Date: 2009-09-30 14:31:03

Is It Possible To Get A Loan Without A Bank Account?

by Nancy D. Brooks Many are under the assumption that unless you are in a good credit standing and have an active checking account that they are no sources to turn to for help in emergencies. While this may have been the case in the past it is no longer so today. There are many lenders who are willing to provide loans to those who have bad credit and who for whatever the reason may not have a current checking account. [more...]

Date: 2009-09-25 20:40:04

bank of america credit card

Amazon.de Widgets Understanding credit card terms and conditionsSeveral banks, among them Bank of America and Chase, were inspired by Wilmington’s flexible laws to relocate at least their credit card companies to Wilmington. The ability to charge more interest meant that they could offer credit to less credit-worthy customers. Though big banks moved their credit card companies, the response was even greater than DuPont at first estimated. [more...]

Date: 2009-09-24 19:24:39

Instant Loans for Bad Credit timely monetary help for urgency

Author : Gamin Kils Instant loans for bad credit are specially created for the purpose of providing timely monetary help to the salaried people of the UK They can immediately have access to these loans without any hassles and credit checks The loan amount is quickly approved and the lenders deposit the amount in the borrowers' bank checking account within 24 hours Bad credit history of the borrowers does not come in the way of taking out the loan on time You may be having some risky tags [more...]

Date: 2009-09-26 07:31:07

10 SureFire Ways To Get a Credit Card When You Have Bad Credit

In today’s economic climate, it’s become nearly impossible to find a credit card issuer willing to cater to people with bad credit. Among the few financial institutions that do offer bad credit cards, many have tightened their qualification guidelines for approval. Although it’s easy to qualify for department store or gasoline credit cards when you have bad credit, a secured credit card is still one of the best ways to rebuild your credit. [more...]

Date: 2009-09-25 21:32:38

Why You Should See Your Business Credit Report

by Andy Zain When we grow into adults we start to realize that it takes money to get the things that you want. If you do not have enough money, then you can get a line of credit. Of course, you can only get approved for the credit if you have a decent credit score. The same process goes for a small business. If you are starting up your own business take a look at your business credit report. There are many reasons why you should not miss out on an opportunity such as this. [more...]

Date: 2009-09-26 14:35:50

Balance your checkbook with Clearcheckbook

I have to confess I am rather into money management apps, although I never actually got into any of them, except for one of the best, Clearcheckbook ... . You can have standard accounts like checking, savings, credit but you can also enter your own types ... stuff from your bank account. The reason I found it so good is exactly this, since I don’ [more...]

Date: 2008-12-25 00:23:33

Learn the Benefits of Payday Loans

Payday lenders know that money is a stress for many people. They are able to recognize that sometimes we all need a little boost to make it to the end of the month. Payday lenders have made a way for us to get a small loan quickly by offering payday loans. The question is when should we get a payday loan? The answer to this question is, people should get payday loans when it will benefit them. In this article, we will explore the main benefits of receiving a payday loan. [more...]

Date: 2009-09-25 04:17:44

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

Personal Balance Sheet, September 2008 ($171,916, -0.8%)

Every month, I publicly review my personal financial condition. If you’re wondering why I post under a pseudonym, Flexo, this is the primary reason ... . Here is a review of my account balances and “modified net worth.” Click on the following report ... checking out NetworthIQ. If you’ve been following Consumerism Commentary, you may have noticed [more...]

Date: 2008-10-04 14:51:00

From Rousseau's Origin of Inequality

If this were the place to go into details, I could readily explain how, even without the intervention of government, inequality of credit and authority became unavoidable among private persons, as soon as their union in a single society made them compare themselves one with another, and take into account [more...]

Date: 2009-01-04 04:34:00

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

Easy No Credit Check Loans

by Justin Finn No credit check loans are easier than one may think to obtain. For those of you with bad credit this may be the only type of loan that you will be able to get. You can get no credit check loans and rebuild your credit at the same time by paying it one time, every time. With these types of loans, bad credit does not affect your chances of getting the loan, nor does it hurt your credit rating as most of the time they are not reported to the credit agencies. [more...]

Date: 2009-09-29 17:16:25

The Seven Steps of Financial Preparedness

The following is a guest post from Marotta Asset Management. When a hurricane threatens, making a plan and gearing up for emergencies is imperative ... . The second step to prepare for financial emergencies is to extricate yourself from credit card debt ... around the country. Ramsey suggests paying off your credit card by starting with the smallest [more...]

Date: 2008-10-13 10:29:04

No Credit Check Loans

by Justin Finn No credit check loans are easier than one may think to obtain. For those of you with bad credit this may be the only type of loan that you will be able to get. You can get no credit check loans and rebuild your credit at the same time by paying it one time, every time. With these types of loans, bad credit does not affect your chances of getting the loan, nor does it hurt your credit rating as most of the time they are not reported to the credit agencies. [more...]

Date: 2009-09-28 19:06:42

Online Loans

by Dave Davis Most of us need extra cash from time to time and sometimes it’s hard to get our hands on it ... is generally direct deposited into your checking or savings account. You will usually get the money ... information that if retrieved by the wrong hands could really damage your credit score and identity [more...]

Date: 2009-01-05 00:42:52

Emerald Marketing Payday Loans

Situations, a payday loan but actually these loans are made to save your salary. Sometimes, you just cannot wait any further misfortunes ... in their credit report. The money is short or the borrower to select emergency payday loans. These loans ... the repayment can cost you a substantial amount. Therefore, it is apt to submit the pay emerald marketing [more...]

Date: 2009-01-17 20:21:14

Small Business Money Terms

entrepreneurs raise at least part of the capital for start-up and operating expenses by asking friends and family and previous business colleagues to ... be the most enthusiastic person in the world when it comes to your business, many people will want ... ; but most people will want to know that you’re willing to risk some of your own assets before [more...]

Date: 2008-11-10 19:48:44

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