Save Money by Using a Debt Consolidation Loan
Amazon.de Widgets If you are suffering from expensive credit card debt that is difficult to keep under control would it be worth considering a debt consolidation loan as a viable alternative? The simple math would suggest it is.It seems as if you cannot turn on the television or the radio nowadays without seeing or hearing advertisers promoting debt consolidation loans and products. [more...]
Date: 2009-09-25 15:20:16
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300 Trust Quotes
In this world, who or what can you trust? One big red flag for me is the delivery of any critical information that begins with the naked assurance “trust me” or ends with “I know what I’m talking about.” Accepting empty declarations of credibility, without more, is like playing Russian roulette with your understanding of the world [more...]
Date: 2009-01-08 01:35:15
Simplify Your Life With A Credit Repair
by Dina Salinas Having bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit. The manner in which you use the available credit at your disposal is plain for creditors to see when they check your credit score. [more...]
Date: 2009-09-27 18:20:07
Investors May Be Too Optimistic About Consumer Recovery
The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... are likely to cut credit to risky borrowers even beyond what they would have done in a risk-averse [more...]
Date: 2008-12-14 06:10:36
E. Online Resources (2)
• http://ftc.gov The Federal Trade Commission’s website provides free publications on many consumer topics, including credit repair. It also provides links to the full text of numerous consumer protection laws (click on “Rules & Acts” in any of the consumer topics). • www.pueblo.gsa.gov The Consumer Information Center provides the latest in consumer news as well as many publications of interest to consumers, including the Consumer Information Catalog. [more...]
Date: 2009-09-30 02:07:22
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
Strategies for the credit crunch: have you really checked your cupboards?
With the first day of temperatures above freezing for what seems like an eternity, it seemed like a good idea to do a bit of tidying around the house ... in the course of a lifetime. Given the falling price of household goods over the past two decades, it is easier to buy a replacement than to repair the old item or, worse still, buy something [more...]
Date: 2009-01-11 18:32:00
Sweet December
Sweet December My Dominican co-workers wore sweaters to work when temperature fell below 70 degrees in December ... October and November that they had seen an economic downturn in their areas. Many credit ... on hopes to pay school fees, open full-service stores, or repair individual homes, this conversation [more...]
Date: 2009-01-14 16:46:51
Stages of the Slowdown & End Game?
A: I want to take another few steps back today (after last weeks Debt Deflation Theory discussion) ... markets yesterday. Nobody denies the credit monster anymore and most learned to respect this beast ... from comparing it to past recessionary periods. If we view the crisis in stages, where did it start, where [more...]
Date: 2008-10-28 18:22:06
Freddie Mac and Fannie Mae in 5th grade terms
Economic Lessons from the 5th Grade-" “The Government's view of the economy could be summed up in a few short phrases: If it moves, tax it ... and has been discredited. The credit crisis was not the fault of capitalism but with anticapitalism ... them insuring the bad loans they were making. But how do you explain this so a fifth grader [more...]
Date: 2009-01-08 08:09:49
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
Introduction (4)
What should I do if I find mistakes in my report? As you read through your report, make a list of everything out-of-date, such as: Lawsuits, ... , complete the “request for reinvestigation” form the credit bureau sent you or send a letter listing ... C and D, for more information on reviewing and correcting your credit report.) Taken From : Credit Repai [more...]
Date: 2009-01-10 04:35:04
Earthtalk: Winter Heating - Conserving Energy and Saving Money
Earthtalk is a weekly environmental column made available to our readers from the editors of E/The Environmental Magazine [ it may be shaping up to be an especially cold winter, but heating costs can be minimized a number of ways, including caulking leaky spots around windows and doors, adding or updating insulation, [more...]
Date: 2009-01-09 03:05:22
YES WE DID! Save, that is
Members of "Generation Net" aka the "Millenials" are commonly characterized as having technological prowess, ... credit, special thought should be given to policies that will enable individuals, especially at lower and moderate income levels, to develop their own unrestricted savings accounts. Encouraging [more...]
Date: 2008-12-16 05:39:00
Fannie and Freddie to Announce Mass Loan Modification Program
re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit. Paying your bills on time only accounts for 30 [more...]
Date: 2008-11-11 19:02:07
Deals of the Day: Is BCE the Next Busted Buyout?
Deals of the Day gathers all the biggest news of the morning related to mergers and acquisitions, bankruptcies, financing and private equity ... billion into ailing credit markets, much of it directly from the Fed. The central bank plans to buy ... governments to move rapidly to recapitalize their countries’ banks to repair financial markets. WSJ [more...]
Date: 2008-11-26 13:47:54
Credit-crunch Christmas treat freezes in blizzard of complaints
It started as just a few flakes, but by yesterday a blizzard of complaints was swirling around what had seemed the perfect credit-crunch Christmas ... manager, told the Echo: "It's been a very bad first day. I'm a bit ashamed." He confessed that staff were struggling to repair the ice rink, and added that one of the santas had phoned in sick [more...]
Date: 2008-12-02 02:45:47
Предсказания Кюнстлера на 2009 - США, Нефть, Геополитика, Путин
Спонсор месяца - #1 RX pharmacy affiliate program!Сайт дня (как попасть) - http://www.business-magazine.ru/There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) [more...]
Date: 2009-01-01 07:59:00
First Draft Of Stimulus Package
SUMMARY: AMERICAN RECOVERY AND REINVESTMENT Action and Action Now! The economy is in a crisis not seen since the Great Depression. Credit is frozen, consumer purchasing power is in decline, in the last four months the country has lost 2 million jobs and we are expected to lose another 3 to 5 million in the next year [more...]
Date: 2009-01-15 23:03:30
CESI Can Help You Get Debt Free
by Imus Jackson There are all kinds of groups and programs and companies out there that claim to provide help for those folks who are stuck in a financial nightmare, and don’t know how to get out of it. CESI is an organization that provides all kinds of services and counseling for just those kinds of folks and they have multiple options available to fit almost every circumstance. [more...]
Date: 2009-09-29 09:24:17
Eight people that would love a netbook for the holidays
Lee Mathews is a computer technician in Manitoba, Canada. He’s a regular contributor to Download Squad, and the proud owner of an MSI Wind U100 netbook. Thanks to Asus, just about everyone knows what a netbook is. With major retail stores like Radio Shack and Best Buy pushing ultraportables like the EEE and Acer’s Aspire One this season, [more...]
Date: 2008-11-28 22:22:27
Forecast for 2009
Introduction There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) is that our problems of finance and economy will self-correct and allow the project of a "consumer" economy to resume in "growth" mode [more...]
Date: 2008-12-29 03:33:57
New Consumer Protection PSAs Appear in Bing Search Ads
New Consumer Protection PSAs Appear in Bing Search Ads Microsoft has teamed up with the Federal Trade Commission (FTC), the U.S. Postal Inspection Service (USPIS) and Western Union to serve consumer protection PSAs in Bing’s search ads . The new ads address scams involving mortgages, foreclosure, credit repair and money transfers. Read more from the original source:New Consumer Protection PSAs Appear in Bing Search Ads Share and Enjoy: [more...]
Date: 2009-09-29 17:31:43
Bush and Obama Diss the G20 Financial Summit
The latest back-handed insult may be yet another variant of the Bush "we don't do multilateralism" syndrome. Unfortunately, as various pundits writing at the Financial Times have pointed out, the US's stranglehold on power is slipping. Even Obama in the campaign repeatedly said that a country cannot maintain military dominance if it is not a [more...]
Date: 2008-11-13 06:16:08
An honest-to-God advocate gets a top job
No, not on the national security team — get real. And not exactly a top job — her power as head of a panel. . . ... . Warren and haven’t seen her, on, for example, PBS, she’s a Harvard law professor specializing in consumer credit laws and personal bankruptcy reform. She also co-authored The Two-Income Trap: Why [more...]
Date: 2008-12-02 14:10:30
Guest Post: Obama Plan Is Bold, but Not Bold Enough
As details emerge about the incoming Obama administration’s stimulus plans, Peter Boone and Simon Johnson argue that proposals should be even bolder. Boone is chairman of Effective Intervention, a U.K.-based charity, and a research associate at the Centre for Economic Performance, London School of Economics, [more...]
Date: 2009-01-07 09:09:48
More Inactive Credit Cards Being Closed: Protect Your FICO Credit Score
If you haven’t heard already, several large credit card issuers (Chase, Washington Mutual, Citibank, Capital One, HSBC) ... . This is their legal right, but it can also negatively affect your credit score. Here’s why ... . Some credit repair experts say it does, others disagree. However, if someone does a manual review [more...]
Date: 2009-01-07 11:48:09
Rosenberg on Real Estate
Rosenberg on Real Estate David Rosenberg of Merrill Lynch* appeared on CNBC a few moments ago to discuss the relationship between deflation in ... of credit and economic activity in general. Rosenberg is exactly right here, as he so often ... (emphasis added in bold): The US is in the midst of a secular credit contraction and likely [more...]
Date: 2009-01-08 15:50:40
Festival of Frugality: Free extra money edition
Welcome to this week’s Festival of Frugality! Cutting back on expenses is more at the forefront of our minds with the ailing economy and the somewhat tougher job market. Within the posts I’ve featured three money-saving sites that I use regularly which (a) are entirely free to sign up and use, and (b) [more...]
Date: 2008-10-21 05:18:17
A Problem with Using the Plastic
A Problem with Using the Plastic Category: Wasting your time I have a love-hate relationship with credit and charge cards ... that goes to the merchant's bank. Take, for example, a driver who pays for a $1,000 car repair with a credit ... merchants to lose money on a sale. Because credit cards are used more than cash now in the US, the fees add [more...]
Date: 2008-11-09 03:52:38
Consumer Credit Counseling
Consumer Credit Counseling January 17, 2009 at 5:00 pm · Filed under Credit Counseling Services div style=’float: right; width: 100px; padding: ... on financed loans and credit card debt can become onerous and when you add in penalties and late fees ... impossible for anyone to compete in today’s arena without the aid of a credit card. And that’ [more...]
Date: 2009-01-17 22:00:36
Following the money
rdanThe NYT describes the beginning role of the committee and chairman Elizabeth Warren to follow the money, in addition to GAO report....“You can’t just say, ‘Credit isn’t moving through the system,’ ” she said in her first public ... she said. “You cannot repair this economy if you can’t repair those families, and I’m not sure [more...]
Date: 2008-12-04 11:31:00
Fierce Financial Tips: The Carnival of Personal Finance #178, Struwwelpeter Edition
I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... ? Before you wonder, please let it be known that this is not how I teach my kids our family values ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]
Date: 2008-11-10 05:46:25
DrumBeat: November 29, 2008
OPEC freezes crude output quota CAIRO (AFP) – OPEC decided on Saturday to leave its oil output quota unchanged and vowed to take any action necessary to balance the market next month, the cartel's president said after a consultative meet in Cairo. "Ministers agreed to take any additional action on December 17th (in Oran, Algeria) [more...]
Date: 2008-11-29 14:01:57
Naughty Business of the Week: Apply for your share of the Dell Inc. settlement
If you purchased a Dell computer or service after April 1, 2005, here's a heads up: ... and repair policies. The company did not admit wrongdoing, but agreed to pay $1.5 million in restitution to consumers who were affected. It will also pay states to reimburse them for the legal [more...]
Date: 2009-01-10 19:34:23
How Do Credit Counselors Help You?
by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]
Date: 2009-01-15 10:32:19
5 Misconceptions on Buying Vs. Renting
5 Misconceptions on Buying Vs. Renting Via Chris & Maria Jeantet ~ Redding CA Realtors® (Coldwell Banker C&C Properties) ... that renting is simpler. For example, when the refrigerator in a rental needs repair ... should carefully evaluate how long they expect to stay in the home that they are considering purchasing [more...]
Date: 2009-01-17 06:20:13
The Carnival of Personal Finance #178: Struwwelpeter Edition
I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... ? Before you wonder, please let it be known that this is not how I teach my kids our family values ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]
Date: 2008-11-10 05:46:25
Credit Card Offers For People With Bad Credit Or Poor Credit History
Updated List Of The Best Secured and Unsecured Bad Credit Cards For Credit Improvement Credit card usage is a fact of life whether you agree with ... has morphed into a mish mash variety of credit card rewards, airline credit card miles, and balance ... room reservations to car rental bookings. Credit card numbers are also necessary for frequent [more...]
Date: 2008-11-20 18:01:07
Is the other shoe about to drop?
According to a December 14, 2008 segment of 60 Minutesentitled “The Mortgage Meltdown, ... is that most of the air has already leaked out of this bubble, but the bad news is that another, perhaps ... option ARM” mortgages. (See below for a brief explanation of each.) Credit Suisse estimates [more...]
Date: 2009-01-16 23:43:00
Bank of America to receive additional $20 billion
Eric Dash, Louise Story and Andrew Ross Sorkin International Herald Tribune Kenneth Lewis gambled on bold acquisitions to build Bank of America into the nation’s largest bank. But the need for fresh government support to grapple with the newly revealed losses at Merrill Lynch, [more...]
Date: 2009-01-16 20:44:24
Feds now the largest shareholder of Bank of America
International Herald Tribune, “Bank of America to receive additional $20 billion” Kenneth Lewis gambled on bold acquisitions to build Bank of America into the nation’s largest bank. But the need for fresh government support to grapple with the newly revealed losses at Merrill Lynch, [more...]
Date: 2009-01-16 19:55:14
Recession Proof Small Businesses
In times of economic trouble people’s minds turn to recession proof small businesses as career ideas There are some recession proof small businesses ... : consumer credit counseling services; companies that repair credit; headhunters, temp agencies or other ... to fix it. If you have repair or handyman skills [more...]
Date: 2009-01-14 11:00:30
Credit that Returns some Agencies
When that try to repair my credit I have been said that it was impossible to make this alone. It was a total Lie ... of the credit and excellent credit. It is not just possible, during the night. My tips to earn your life and your credit is behind a “knows your credit.”Second, examine your report every year [more...]
Date: 2009-01-08 01:37:20
Fast Credit Repair Tips
Many companies and programs are offering fast credit report tips, however they often come with a hefty price tag ... , you can increase your credit score rather quickly. In some cases the results can be a couple days, but within 30 days significant improvements can be made. Original text: Fast Credit Repair Tips [more...]
Date: 2009-01-15 18:01:59
Weekly Roundup - Exercise Edition
My wife and I own an elliptical machine that has been out of commission the last several months ... out to repair it - only the problem never went away. After waiting almost a month since the last visit ... before we could get another appointment with the repair man. Anyway, I’m hoping the machine [more...]
Date: 2009-01-11 14:54:38
5 Misconceptions on Buying Vs. Renting
5 Misconceptions on Buying Vs. Renting Misconceptions On Buying Versus Renting ... in a rental needs repair, the responsibility falls on the landlord. When new homeowners sign their name ... . The Reality Most people know that tax write-offs of mortgage interest are among the biggest financial [more...]
Date: 2009-01-16 23:34:06
Paulson Translated
After listening to and reading the text from Paulson’s speech this morning, ... at a tipping point. Credit markets were largely frozen, denying financial institutions, businesses and consumers access to vital funding and credit. He uses past tense verbs, but I’m not sure [more...]
Date: 2008-11-13 04:08:18
6 Step To Improve Your Credit Score Now
credit cards Your credit score is probably the single most important number in your financial life ... . Use of your credit report has infiltrated areas we never thought it would - from job applications to insurance premiums. I recently learned the impact credit score has on interest rates after finding [more...]
Date: 2008-12-02 17:06:27
January 10 2009: Hornswoggled Absquatulation
Russell Lee Tobaccy Candy 1940 Pool hall, Shasta County, California Ilargi: The revolving doors between Washington and Wall Street are swinging like never before. Lawrence Summers and Robert Rubin are the finance powerhouses in the upcoming Obama administration. They were in the exact same place 10 years ago [more...]
Date: 2009-01-10 16:28:00
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