Recession Journal Part I: 'Fast' Money in the '09

By Jabulani Leffall The year 2008 is history in every sense of the word ... bailouts, volatile equity, debt and commodities corrections and the worst credit conditions in perhaps ... bad about spending like a maniac when times are bad? We’ve all been there. The week in between [more...]

Date: 2009-01-06 00:11:29

Blog posts (243) | Videos (204)
 

Protect Environment With Solvent Recycler Now

Well, today I have found one site which is about Solvent Recycler. It’s NexGenEnviro ... for your health (2) Tell You a Bad Credit Loan Shop (0) The Visionary CEO Inspired Me (0) Fab Forex | Online Forex Trading and Study (1) My Splendid Weekend with PC Software (3) Credit Card Debt [more...]

Date: 2009-01-15 15:01:57

Campaign Updates and Media Headlines 10/1/08

Now THAT’s bipartisanship: New York Times (click through to see the map and the roll call list) ... to mention that bad debts are growing even among people recently considered good credit risks. At end ... at end of June. We’re also seeing a growing amount of credit card and auto payments past due [more...]

Date: 2008-10-01 19:58:22

10 Ways To Permanently Stay In Debt

If you haven’t already heard the news, the debt clock in New York has reached it’s capacity and can no longer keep up with the debt ... yahoo’s have made has gone from bad to worse. Honestly, I don’t even know how Bush made it to office ... . It can be your best friend or your worst enemy. In the case of credit card debt, your worst enemy. So, if you’re [more...]

Date: 2008-10-13 12:45:43

Mission and Recession

by Skye Jethani The financial talking heads are attributing the current economic crisis to a number of things: lack of regulatory oversight, ... rate and over $8000 in credit card debt. As Dave Ramsey says, we are not “acting our wage.” ... bad mortgage lending practices, and globalized market structures. But some of the more plainspoken [more...]

Date: 2008-12-10 17:00:51

Wall Street bailout plan to include more than bad mortgage debt: Feds to absorb unpaid bar bets, inadvertently laundered postage stamps, unredeemed soda cans and insufficient tooth-fairy disbursements

Totally absurd? Think twice: In the dark of night over the weekend when most people were snoozing, the Treasury dramatically expanded its bailout plan to include buying student loans, car loans, credit card debt and any other “troubled” assets held by banks. The changes, which were included [more...]

Date: 2008-09-23 06:05:06

Liens

If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Easy & Practical Tips To Significantly Reduce Credit Card Debt

by Jenni Snook These days, it’s not uncommon for us to own at least one credit card ... of this is to credit cards. Getting a credit card has never been easier. There have been both good and bad ... options. It’s recommended that you get yourself a credit card from a large provider such as Mastercard [more...]

Date: 2008-12-15 09:55:05

Debt Consolidation Services: What Can Be Better That It?

You can get a loan anytime you want nowadays. But when the debts become too much and when the time to repay it arrives then problem seems to arise ... scores do not matters in these loans and along with the good credit holders you too will be allowed. All those bad credit records include defaults, arrears, late payment, skipping of installments [more...]

Date: 2009-01-17 00:24:32

Have You Ever Lost It All ?

We are headed for some wicked hard times.  Some of us are already feeling the sting ... credit card debt spread among about 5 different cards, no job, no place to live and if that wasn’t bad ... from my job and lived on credit cards for months while trying find another job.  After several months [more...]

Date: 2008-10-10 11:00:39

How To Deal With Debt Collectors

by John Cooper Phone calls and other communications from debt collectors can be incredibly frustrating ... from another debt collector. Instead I suggest you hire a credit repair firm to dispute and remove the bad ... . About the Author: For a review of Lexington Law a suggested credit repair service visit us, or to see [more...]

Date: 2008-12-18 16:58:13

Examining Payday Loans vrs Good and Bad Debt

Borrowing money and incurring debt is a process that all Americans do today, even though most frown upon it. From auto loans to credit loans to payday loans to various other types of personal loans, there seems to be a loan frenzy today that is contributing to the average American’s already $8200 [more...]

Date: 2008-10-23 22:26:14

Increase Your Credit Score - Use It or Lose It!

In case you did not know, I am a huge Dave Ramsey fan. This guy simply understands what it takes to truly become debt free ... not qualify for financing. I understand how the credit reporting bureaus calculate your credit ... and then pay these guys once a month. Not a bad deal….. That is until we were denied credit! Let [more...]

Date: 2009-01-02 21:44:16

Det Rattle, June 10 2008: Credit tightening across the board

Stoneleigh: Sorry the Debt Rattle is very late today. I have had very limited internet access this morning due to technical problems. I will be adding material through the day. Credit crisis expands, hitting all kinds of consumer loans The credit crisis triggered by bad home loans is spreading to other areas, forcing banks [more...]

Date: 2008-06-10 18:20:24

Benefits of financing the sale of your own property

by katie George It is a kind of credit selling in exchange for a promissory note and trust deed in favor of the seller ... to assure that there are no bad debts later. If the buyer is genuine and has a good credit ... lender financing. It may take months for a buyer to qualify for loans in Maryland. Moreover [more...]

Date: 2008-12-28 11:23:18

Mortgage mods, failing miserably

Mortgage mods, failing miserably! I wrote a blurb about the re-default rate on modified mortgages a few weeks ago. Today there was a better and more detailed account of just how bad the track record ... replaced lower mortgage payments with increased credit card debt? Is it because the mortgages were [more...]

Date: 2008-12-09 01:03:00

Debt Consolidation Loans: Get Rid of the Debt-Danger

Debt- it adds a lot of troubles to our life. Debt-burden, harassing and untimely calls by creditors make our life so terrible ... to your requirement. Debt consolidation loans are also obtainable for those persons, who have a bad credit history, arrears, bankruptcy or CCJs. But in this case, lenders will charge higher interest rate [more...]

Date: 2009-01-16 16:17:03

A Good Start

Chris Dodd’s plan: WASHINGTON (AP) — Judges could rewrite mortgages to lower bankrupt homeowners’ monthly payments as part of congressional ... including credit card debt or car loans — from any financial institution in the U.S. or abroad in order ... their bad assets on the government in the massive rescue would have to limit their executives’ pay [more...]

Date: 2008-09-22 18:18:39

GA Mortgages: FHA Refinancing With Bad Credit

by Brenda Puckett You can’t turn on the television or open a newspaper or magazine without encountering a new headline showing the meltdown of the ... loan. FHA loan guidelines allow refinancing with higher debt ratios. They allow you to qualify ... guidelines due to past credit problems or because your home’s value has not gone up as fast [more...]

Date: 2008-06-20 09:12:32

Mr. President: Please Look at What's Happening

Mr. President, I write this article to implore you to reconsider the direction your administration has embarked in attempting to try and reverse the ... from failing, but too much of anything can be bad. Pressuring banks to lend to one another is needed, but forcing more credit onto consumers already in debt is unwarranted. This country and its [more...]

Date: 2008-10-19 07:08:55

MortgageNewsClips: Spreadsheet Resource, Realtors Beware, Credit Cards, Lou Ranieri, Securitization Primer, Popular Sells, Asymmetric Risk, Damage Report, Disparity, NY Mortgages, Freddie Automates, 3 more News Clips

RESOURCE: has list of sites offering free spreadsheets - Spreadsheets: Free to Learn - No-cost tutorials, instruction, ... Ross - Inman News ———— BusinessWeek_logo Credit-Card Rage - Debt-strapped consumers vent ... -old concept of securitization a bad name, IMF Economist Andreas Jobst writes. Securitization [more...]

Date: 2008-09-02 10:37:39

Bad house, car debts mount in O.C.

TransUnion, one of the big three credit bureaus, reports that delinquencies rose in the third quarter on homes and cars in Orange County but remained flat on credit cards. The ratio of home loans 60-days past due climbed to 4.6 ... % a year ago. Credit card 90-day lates were flat in O.C. at 1%. The chart (click on it for larger image [more...]

Date: 2008-12-17 11:00:03

How Women Can Fix Their Credit Before Applying for a Job: Part 2 — Debt and Budgeting

a guest post by Michelle Dunn (www.bizchicksrule.com) ... I ran into a bad situation and turned to a credit counseling service that was a scam and I spent money ... — Earlier today, we talked about credit reports and credit scores. Now, let’s talk about managing [more...]

Date: 2008-09-18 16:25:41

Is RPX’s “Defensive Patent Aggregation” Simply Patent Extortion By Another Name?

Patent litigation is getting so bad that a new startup, RPX Corp. (aka, Rational Patent) ... patents in RPX’s portfolio can’t be used in litigation against your company. RPX is clearly not as bad ... Ventures, and also has other sources of capital, including debt and credit lines, available [more...]

Date: 2008-11-24 16:50:44

Obtaining Help In Filing A Legal Claim The Smart Way

by Chris Channing From not paying a single dime in attorney fees to getting complimentary legal counsel, ... they win, special payment terms will be agreed upon. It seems that attorneys shouldn’t have the bad ... complicated credit fiasco. Attorneys are now shifting their target clients to businesses, by offering debt [more...]

Date: 2009-01-16 09:43:35

Net Worth: December - 2008 Ends w/ a bang, Hallelujah!

December net worth Up $4k - not a bad way to start the year, eh? ... off all credit card debt: 100% A+ bustaroo! I actually accomplished this twice - once in the first ... enough, we used our wedding booty to knock it all off again!Pay off cars: B. Since the above [more...]

Date: 2009-01-06 14:44:19

Beginner’s Guide To Reducing Credit Card Debt

by Jenni Snook These days, it’s not uncommon for us to own at least one credit card ... of this is to credit cards. Getting a credit card has never been easier. There have been both good and bad ... themselves in such a situation has little options. It’s recommended that you get yourself a credit card [more...]

Date: 2008-12-15 09:54:59

Tom Gregory: Rearranging The Deckchairs

It's been nearly one hundred years since the greatest symbol of maritime achievement -- the "unsinkable" ... iceberg is bad mortgage debt. Initially viewed as insignificant on the surface, it stretches its heft ... compartments of credit availability, asset liquidity, bank's willingness to lend, and confidence [more...]

Date: 2008-10-06 06:54:54

Credit Counseling

.fullpost{display:inline;} I found a site that helps you to process requests for credit card online. They almost sixteen varieties of credit cards ... popular networked credit card are Visa, MasterCard, Discover and American Express. If you have a bad ... . Platinum card is what I'm planning to get here mainly because of some good things as debt credit card [more...]

Date: 2008-10-16 05:46:00

"The Secret Of Failure"

     Isn’t it great when the pundits welcome in the New Year with glad tidings to the effect that “it’s bad now, ... s business by the end of the year and reduce her credit card debt.  Now, these are worthy things ... ?    Hardly.  You see, she was focusing on is things being a little less bad, rather than creating [more...]

Date: 2009-01-08 15:34:02

How I Got Bad Credit

July 31, 2009 | By Frances Lexington In Finance | by Frances LexingtonA few months, I went through some rough moments in my life. I got laid off after the company I worked for went down. The bills piled up and I was unable to make my monthly payments. Eventually, all of my credit card accounts were charged-off and sent to collection agencies.My life became a living hell of collection calls and non-stop harassment from debt collectors. [more...]

Date: 2009-07-31 23:37:24

and we lost 5 bucks in the laundry yesterday, too

talkleft tells us that the stock market lost $3 trillion in the last three days: more bad news on the economic front ... for the program to support financial markets that supply consumer credit in such areas as credit card debt [more...]

Date: 2008-11-13 04:27:10

Financial resolutions for year 2009

Welcome New Year 2009. A time to forget all those bad happened in previous year and go with new hope and plan ... the loans and other debts you have. Prepare a checklist and plan necessary actions to avoid your bad debts as early as possible before starting any investments or savings. Immediately pay-off credit [more...]

Date: 2009-01-04 07:24:23

Does more debt to beat the debt-crisis make sense?

Order my book online from this link The UK newspapers are full of a new $33 billion government-backed debt facility for small and medium enterprises, while in the UAE credit for SMEs remains very tight and 1,500 people are losing ... with big debts and banks with bad loans. How can providing more loans possibly help? At worst [more...]

Date: 2009-01-15 05:17:25

The Paradox of Thrift

Has the economy scared you into cutting back on your spending, paying down your credit cards, getting your budget in order? Good for you, but bad for the country’s financial health, the Wall Street Journal points out today ... couple profiled in the Journal story: Rick and Noreen Capp recently reduced their credit-card debt [more...]

Date: 2009-01-06 14:12:53

Ten Commonalities of Debt and Carbs

This is a guest post from the author of Weight Loss Journal and Rich Credit Debt Loan. In many personal finance circles, the word debt has just as many negative connotations ... hatred. There are actually quite a few similarities between the two, both good and bad [more...]

Date: 2008-08-21 11:05:53

Debt Management Keeping A Check On Your Finances

Money is available at an all time low interest rates in market. Easy credit is luring people to take money from creditors these days ... bad credit such as arrears, defaults and bankruptcy in the past their requirements are also catered [more...]

Date: 2009-01-15 02:06:13

What If You Can’t Pay All Your High Priority Debts

by Ian Pelham Although individual priorities may vary, ... the lines of, “If I can’t pay my car finance, at least I can pay my credit cards.” This is a bad ... and their car before worrying about any of the other debts they may have. For some people in serious financial [more...]

Date: 2008-12-22 18:58:27

A Beneficial Collateral Free Loan Scheme

by katie George All individuals have their own set of dream and wishes ... research will assist the borrower to obtain competitive rates. Those with bad credit history such as CCJs ... , education financing, making a holiday trip, purchasing a car, consolidating debts [more...]

Date: 2009-01-02 22:04:08

A Beneficial Collateral Free Loan Scheme

by katie George All individuals have their own set of dream and wishes ... research will assist the borrower to obtain competitive rates. Those with bad credit history such as CCJs ... , education financing, making a holiday trip, purchasing a car, consolidating debts [more...]

Date: 2008-12-25 17:57:40

8 Bad Things You’re Teaching Your Kids About Money

This is a guest post from Jonathan, one of the writers at Master Your Card ... readers to get out (and stay out) of credit card debt. If you’re a parent then you probably ... that swear words are bad and you should never use them, but the one time you drop something on your toe [more...]

Date: 2008-11-28 16:34:36

The American Way of Debt

On Sunday, The New York Times published a series of articles on The Debt Trap, ... profiles a Philadelphia woman who made some bad choices, bought into the myth of easy credit ... are just one half of the problem. The other part is a financial industry willing to grant more credit than [more...]

Date: 2008-07-22 12:00:27

Housing in O.C. beach towns slumps, sales off 28%

Analysis of MDA DataQuick’s November report shows the county’s beach-close communities are clearly being challenged by a credit crunch and a ... rents? 30-year mortgage at 37-year low CA banks drop protection against bad loans Mortgage aid scheme a failure Bad house, car debts mount in O.C. [more...]

Date: 2008-12-22 08:24:51

Smoothing Out Economic Wrinkles With… Botox

The economy may be in the tank, but some people are still willing to pay hundreds of dollars to look good ... , patients are reluctant to run up credit-card debt on a big ticket item like surgery. In a survey ... expenditure. As one dermatologist tells The Wall Street Journal: “Things are so bad that investments [more...]

Date: 2008-12-23 10:49:28

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

Economy so bad National won’t take advantage?

Heat on public sector bossesPublic service bosses face renewed pressure to cut spending as Treasury warns the economy will stall this year and ... in the face of warnings New Zealand's credit rating will be downgraded if debt gets out of hand ... , plasma TV’s and cosmetic surgery on credit cards wasn’t sustainable (who would’ve thunk [more...]

Date: 2009-01-15 18:18:00

A prediction for the bailout

by Jay McDonough The primary reason given for the failure of the bailout to get through the House today is the public reaction to the bill: ... . Treasury can use it to back Wall Street’s bad debts with lend no-interest loans of up to two years ... lays me off because they're unable to secure credit? No one is happy about the circumstances we find [more...]

Date: 2008-09-30 03:03:27

Bailout Gets More Costly Due to “Bipartisan” Deal; Foolish Limits on Foreclosure Should Be Removed

Liberal Congressional leaders have apparently reached a deal with the Bush Administration on the principal elements of a $700 billion bailout of the ... student loans, car loans, credit card debt and any other ‘troubled’ assets held by banks.” ... .  Although it is being sold as a “bipartisan” — a buzzword often used to push bad policies – Republican [more...]

Date: 2008-09-28 20:34:55

The Bad Paper Chase

And the handout/buyout craze continues. The Federal Reserve said Tuesday it will buy up to $600 billion in mortgage-backed assets in another attempt ... obligations from mortgage giants Fannie Mae and Freddie Mac as well as the Federal Home Loan Banks ... also unveiled a new program to help unfreeze the market that backs consumer debt such as credit cards [more...]

Date: 2008-11-26 00:46:42

Obama, McCain: Cautious in econ-crisis

by Mark Silva Count both Barack Obama and John McCain, the candidates for president, ... for banks and other financial institutions holding bad mortgage debts that are "clogging'' the system and threatening a farther-reaching credit calamity. "I don't think it can be a blank check [more...]

Date: 2008-09-22 00:52:05

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