If You Have A Debt Problem, Then Admit It!

You Can’t Solve A Debt Problem If You Deny Its Existence.  If you have a major debt problem and want to end it, then go look at yourself in a mirror and say, "I have a huge debt problem, it’s suffocating me, and it’s taking away my freedom", or whatever words feel right to you. If it felt real and you shuddered, then you’re most likely ready to start getting out of debt, but if you think that having overwhelming debts is: a) no big deal,b) something that everybody has right now,c) something [more...]

Date: 2009-09-30 20:42:18

Blog posts (366) | Videos (313)
 

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially. The one thing that most borrowers worry about when it comes to personal loans is the interest rate. To lower your interest rate credit score repair greatly helps. It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. To increase your credit score the first thing you need to do is to actually find out what your credit score is. By not knowing [more...]

Date: 2009-09-29 22:33:44

Time for a Weekend

We don’t try to be a news site - it’s too much work to keep up with everything that happens on an hour-to-hour basis - and generally we try to ... , but we knew that already, and there were no major controversies or scandals since the auto bailout ... and that it is splitting itself into two banks, a “good bank” and a “bad bank” - but unfortunately it [more...]

Date: 2009-01-17 03:26:07

Housing: Who Got Rich? Who’s to Blame?

Cross-posted by Maggie at Maggie’s Notebook Who do we blame for today’s housing crisis, subprime loans and the Fannie Mae and Freddie Mac debacle? ... mortgage may be an expensive method of financing a home” In otherwords, Greenspan (photo below) encouraged ... credit programs for immigrants…. With these advances in technology, lenders have taken [more...]

Date: 2008-09-17 19:51:39

Best Mortgage Refinancing Rates

When a homeowner refinances, they always want the best mortgage refinance rates possible. Getting the absolute lowest rates will save a homeowner a lot of money. Here is some help for homeowners who want the best mortgage refinancing rates available. See If You Qualify…….! Know The Current Average Mortgage Rates Newspapers, television programs, and the internet have daily reports on what the average interest rates are for a mortgage refinance . [more...]

Date: 2009-09-30 05:44:48

Best Mortgage Refinancing Rates

When a homeowner refinances, they always want the best mortgage refinance rates possible. Getting the absolute lowest rates will save a homeowner a lot of money. Here is some help for homeowners who want the best mortgage refinancing rates available. See If You Qualify…….! Know The Current Average Mortgage Rates Newspapers, television programs, and the internet have daily reports on what the average interest rates are for a mortgage refinance . [more...]

Date: 2009-09-30 05:34:57

I'm still mad about the economy-especially Michigan's

----- Original Message ----- From: Senator Debbie Stabenow Sent: Friday, December 19, 2008 7:04 PM Subject: Auto Bridge Loans "Last week . ... . I am pleased that they have taken action to provide the necessary bridge-loan to help our automakers through this global credit crisis, and preserve jobs here at home. While today's actions may [more...]

Date: 2008-12-22 21:31:17

Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22

Can Debt Consolidation Make My Financial Position Worse?

Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. You, and your bad financial habits. That is how you got into debt in the first place. Lack of financial discipline If you take out a debt consolidation loan you have given your finance s some breathing space. [more...]

Date: 2009-09-29 11:16:03

Four Reasons to Consider Working for Free

The U.S. stock market has been cut in half. And some countries have it worse than we do. Companies are shedding jobs like there is no tomorrow. And heaven help you if you work for a newspaper or a magazine.The US auto industry ... that you had the nerve to try to buy something, credit is almost impossible to come by.It is against that backdrop [more...]

Date: 2008-12-05 05:00:00

I Want It Now

An email from someone I respect says to take a look at today's column by David Brooks on savings behavior since the issue of adequate saving is ... up agreeing with Brooks 100% about how to address this problem, but this isn't a bad start ... mechanism that would soak up some of the demand for "payday loans" seems especially promising [more...]

Date: 2008-06-11 01:48:00

Gates of Vienna News Feed 11/12/2008

Some headlines to look at:“Muslim Killed Catholic Girl in Love With Flatmate”“London Fundraisers Linked to Stoning of 13-Year-Old”“Possibly Tens of Thousands of Somalis in the US Illegally”“New Anti-Christian Attack in Mosul, Two Sisters Killed”But then there’s this:“Denmark: Ready to Ban Headscarves for Judges”So it’s not all bad news.Thanks [more...]

Date: 2008-11-13 04:52:00

Staying Positive in a Negative World

When you comment on this article, you *may* lose weight, get tall or ! I\'m no doctor, but let\'s give this a shot! Bad News fosters Bad Attitudes It’s hard not to fall prey to the incessant bombardment of bad ... to achieve success. With credit literally frozen and banking institutions collapsing daily, lending [more...]

Date: 2008-09-30 04:08:26

Mortgage Market Week in Review

Well, here we are on Friday again. Are you getting motion sickness from all of the news and rumors that are flying back and forth? ... credit, but at least good credit, 3) sufficient verifiable income to support the loan request ... about today: The Bailout/Rescue Plan, some very weak economic reports, the credit markets and do bankers [more...]

Date: 2008-10-03 18:26:32

Get Money Quickly With Online Payday Advances

by Rose Martin Payday advances have helped millions of people get the cash that they need in a small amount of time. When people are looking to get something in a hurry, the typically tend to turn to the internet. Especially if you need money in a rush, you should make sure that you get online to get an advance first. Here are the ways that you too can benefit from a payday advance. The money that you get from a loan company needs to be paid within about two week’s time. [more...]

Date: 2009-09-29 20:53:06

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

Should You Walk Away From Your Home?

(source) Despite the struggle, most responsible homeowners don’t think twice about whether they should make the mortgage payment each month ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight ... a shot at a loan modification, when you can just take the “Free Housing For Six Months Package” [more...]

Date: 2008-12-03 22:29:29

The Next Mortal Combat Match-Up: Thrift vs. Debt?

 Ohio State University's Devfinance listserv, an email network for students, practitioners and researchers of development finance and economics, ... it is a counterpoint to the current credit mania. The Peter G. Peterson Foundation is sponsoring a campaign to encourage personal and governmental frugality in the U.S.  One element of this is issuing [more...]

Date: 2008-12-10 00:56:00

Would the Last Honest Reporter Please Turn on the Lights?

An open letter to the local daily paper — almost every local daily paper in America: I remember reading All the President’s Men and thinking: ... , but when they can’t make the payments, they lose the house — along with their credit rating. They end up worse ... loan?  It’s a loan that the recipient is likely not to be able to repay. The goal of this [more...]

Date: 2008-10-31 05:00:52

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

To the rich go the spoils

By BJ One of the reasons that I'm highly skeptical that the economic downturn sparked by the credit crisis will be easily or quickly reversed is ... institutions, while putting taxpayers on the hook for trillions more in far-less-than-certain loan-backed ... at least $1.6 billion went that the executives won't be feeling too bad: Banks that are getting [more...]

Date: 2008-12-23 13:20:08

Pets are disposable?

I really do love my pets.  My DH and I joke all the time about “dumping” them when they irk me.  But really we’re both just kidding. It’s more in good humor over something bad they did like pee all over the house.  Both dogs were ... . But seriously I was reading DogAtemyFinances just now and came across a post about personal responsibility [more...]

Date: 2008-09-04 01:13:43

Emergency Cash Payday Loan with Jiffy Cash

Emergency Cash Payday Loan What is an Emergency Cash Payday Loan? An emergency cash payday loan is a small personal payroll advance loans completed online. It is by far the best and quickest way to obtain the fast cash loan you need. Is it hard to get Emergency Cash Payday Loan? Absolutely not! Getting a Payday Loan Emergency Cash from JiffyCash. com is one of the easiest things that you ever make. We are really doing every effort to get short term personal payday loan as easy and stress free as possible. [more...]

Date: 2009-09-29 01:53:04

It’s Back To Reality In California

The Glendale News Press reports fromCalifornia. “Beset by a distressed economy and a soaring number of city inspections, the FourOneSix mixed-use condominium project on Broadway Avenue has pushed back its opening to January and will wait until its debut to push ahead with unit sales, officials said. Sales have been slow at the FourOneSix project [more...]

Date: 2008-10-06 19:59:29

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

Are You A Candidate For A Short Sale Or A Foreclosure In Atlanta?

Helping Select Atlanta Homeowners Avoid A Foreclosure One of the most difficult decisions a homeowner can make is to take action to leave a home ... is sold and the lender releases their lien for an amount less than what is owed. For this to occur, any ... of a foreclosure on your credit file… and many candidates for a short sale have otherwise fairly [more...]

Date: 2008-11-26 23:15:58

Things You Need to Know Before Raising a Private Loan

Things You Need to Know Before Raising a Private Loan by Martin ElmerA personal loan (consumer loan, private loan) could be an option, if you are short on money. But before you are raising a loan, you better learn about concepts like security, fees and interest rates.A personal loan is defined as a loan rose by an individual. Normally it is raised to buy something (like a vacation or a television). But it can also be used to pay of other dept. [more...]

Date: 2009-09-30 11:41:02

Please Pass the October Surprise

By Catherine Shaffer I've always believed that mastery of vocabulary is at least halfway to mastery of the subject ... they used money. Who knew? Credit default swap: Halfway between an insurance policy and a racetrack ... about whom they otherwise knew nothing. No job? No documentation? No problem. We have a credit default swap [more...]

Date: 2008-10-11 13:49:49

Jon Henley reports on the pitiful state of the British pension system

A hundred years ago next month, half a million eldery people popped down to their local post office and collected, for the very first time, a state pension. It wasn't a lot - five bob a week, about £20 now - and there were strings attached: you had to be one of the 5% then aged over 70, and enjoy a weekly income of less than 12 shillings [more...]

Date: 2008-12-19 08:22:25

The Homeowners Know The Truth In California

The Sacramento Bee reports from California. “California’s free-falling home prices sparked a fourth straight month of year-over-year sales gains ... a record 40.3 percent from July 2007, CAR reported. ‘Deeply discounted, distressed sales continue to drive volume in many regions of the state,’ CAR President William E. Brown said in a statement.” [more...]

Date: 2008-08-26 20:18:43

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

Finance Has Lost Sight of Its Role

Why are we in the mess we are in? There are lots of proximate causes: overleverage, global imbalances, bad financial technology that lead to widespread underestimation of risk. Readers can no doubt improve on that list. But these still are all symptoms. Until we isolate and tackle fundamental causes [more...]

Date: 2008-11-24 04:32:53

Next Stop For the Housing Crash: China

Chinese government economists and regulators are speaking publicly about systemic risks in real estate ... them to tighten loan approval processes. Lending standards at Chinese banks are notoriously lax. The Chinese government uses the institutions as cash machines to provide cheap financing with little [more...]

Date: 2008-07-24 11:35:00

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

Everyone Needs a Messiah

Superman, Batman, Spider-man. However you want to slice it, we need heroes in our lives ... , not us personally, but we contributed to it. We bought a house at the wrong time, using a loan that would be considered “sub-prime”, ramped up our credit card debt, and we would love to see a Deus ex Machina come [more...]

Date: 2008-11-03 05:00:50

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

News and Blogs: Wednesday, November 19, 2008

5 Money Mistakes in a Bad Economy. Here are the mistakes: continuing to use credit cards, withdrawing or taking a loan from your retirement funds, paying for college without loans, grants, or scholarships, neglecting to invest, and taking home-equity loans. Bid to Ban Sale of Obama Tickets. Tickets to presidential inaugurations have always [more...]

Date: 2008-11-19 18:00:30

Mortgage Market Week in Review

Well, here we are on Friday again and I’m trying to figure out how to summarize all that’s been happening in the mortgage and financial worlds ... out of wholesale lending.   That started a lot of people wondering how bad things were at Wachovia because ... announced that they lost a LOT of money ($8.9 billion to be exact) in the 2nd quarter.   But guess [more...]

Date: 2008-07-25 18:47:02

Is Gilbert The New Castle Rock?

I recently had a change of plea for a DUI in Gilbert where I started to feel like I was in a Stephen King novel ... . Maybe Gilbert wants to help out the payday loan business? Maybe they think a reduced credit score ... in effect. I think the judge actually felt bad about the policy, and I can see why. Not only does [more...]

Date: 2009-01-17 18:11:08

House Votes against Bailout Package

The House voted against the bailout package. Brad DeLong says: Bring Congress Back into Session After the Election...: .. ... , though they don't know it yet. If the problems aren't addressed, it is likely to constrain credit ... . And it's not just investment, people who sell cars, refrigerators, tractors, TVs, stereos, and so on, rely upon [more...]

Date: 2008-09-29 19:06:00

The 2008 Economic Crisis: How To Protect Yourself (Guest Voice Part III)

This is the last of three special Guest Voice posts on the present Wall Street economic meltdown by Mikkel Fishman, ... while preserving credit availability and aimed for minimal disruption to economic growth. In fact ... up by a continued decrease in assets that already exist. This is why the “middle road” is to isolate bad banks [more...]

Date: 2008-09-30 10:00:30

36 Symptoms Of Money And Financial Problems

Are you headed towards a financial disaster? You may not know it yet but your current lifestyle could be leading you into a pit of debt ... off old debts. money-problems You get denied or turned down for a loan or credit card ... some people are oblivious of their state, a good number also try to live in denial of their bad [more...]

Date: 2008-09-04 00:21:23

Even Celebrities Can Fall On Hard Times And Face Home Foreclosure

When you think of Ed McMahon, you don’t exactly associate or lump him with big time wasteful spenders like MC Hammer and some of the other well ... their money into bankruptcy on trivial pursuits. No, when you think of Ed McMahon, you think ... bubble and credit crisis seems to be quite merciless and universally brutal, even to those who simply [more...]

Date: 2008-06-09 01:18:36

Mortgage Market Week in Review - Jobs….

Well, it’s Friday again, everyone is back in school, my 18 year old is off to college (only 35 minutes away but still) ... to 6.1%, the highest level in, I believe, 5 years.    The numbers were not only bad, they were worse than ... . 2. It’s probably also a byproduct of the fact that the credit crunch is moving from just being [more...]

Date: 2008-09-05 20:35:23

It’s a Labor Day Carnival of Debt Reduction

Happy Labor Day everyone!  Labor Day originated in 1882 when the Central Labor Union of New York City sought a day off for those who work ... rid of credit card debt the smart way. Early Retirement Extreme tells how he would get rid of debt ... Prosperity fires up his flaming chainsaws to fight debt collectors. My Debt Refinance gives five steps [more...]

Date: 2008-09-01 05:00:37

Things You Tend Not To Spend Much Time Thinking Seriously About When Making A Decision To Relocate

I have had this item on my blogging to-do list for probably 18 months now, without attempting to address it ... s start with credit history, something discussed in this blog a long time ago. Or, rather, your lack of such overseas, which will hamper your efforts to obtain auto financing or even apply for local credit [more...]

Date: 2009-01-15 20:29:06

Debtor Friendly Legislation and Unintended Consequences

The rate of home foreclosures in the current mortgage crisis has not been evenly distributed ... of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied ... by the foreclosure sale. The result is that if buyers are left underwater on a loan, owing more than [more...]

Date: 2008-09-04 15:07:00

Mortgage Market Week in Review

I want to apologize for the delay in getting this out until Saturday.   Due to some technical difficulties and some new things I’m going to be implementing, Friday was spent working on computer issues.   Yeah, I know, a fun way to spend a Friday….. So, here we are at the end of the week and what’s happened? [more...]

Date: 2008-11-01 17:23:56

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

The Fed Translated….

The Federal Open Market Committee decided today to lower its target for the federal funds rate 50 basis points to 1 percent ... Greenspan is being blamed, in part, for causing the credit crisis by leaving interest rates too low ... the world is damping the prospects for U.S. exports when other countries are in bad economic straights [more...]

Date: 2008-10-29 20:41:31

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