Membership Has Fewer Rewards
Membership Has Fewer Rewards Posted on January 13, 2009 (0) Comments For credit card-carrying Americans, the latest news from the economic crisis ... . Americans borrowed less because they had to, since credit card companies raised their interest rates [more...]
Date: 2009-01-08 15:00:32
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Home Buying 101 - Step Two: Know Thy Credit
This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]
Date: 2008-12-30 21:06:36
How Cutting The Fed Funds Rate Helps The U.S. Economy
... which credit card, equity line, and construction loan borrowing rates are based. As Prime Rate ... be needed to reverse that path. As Prime Rate falls, it brings business borrowing costs [more...]
Date: 2008-10-29 10:00:03
Don’t make the Dr. Evil error of assuming
This is a guest article by Jeff who writes at Caddickisms where he shares his “thoughts on everything” ... an excellent promotional balance transfer rate of 3.99% for the life of the balance. Give a credit card ... . Back in July, I missed a payment on one of my credit cards. I only missed it by 12 hours, but still [more...]
Date: 2008-09-06 11:20:59
Happy New Year Facebook - your employees think you’re lying about advertising. And they may have a point
A gremlin inside Facebook - or more likely a disgruntled employee - briefly hacked Facebook in the last few hours ... get you a 2:1″ and Bad credit? Get a credit card with 39.9% APR!’. Classy.” The thing is, social ... and business, then why do I get shown ads for Credit Rating Reports, as I did today? On thing’ [more...]
Date: 2009-01-05 11:59:10
What the Fed's .50 rate cut means for Helocs & Credit Cards.
I heart CNN like crazy, they are REALLY on top of their ish over there! ... now be a crazy low rate of 4.05%!!! how crazy is that? And you know it's bad out there when my 2nd ... . This means total greatness! Since our Home Equity Line of Credit is tied to the Prime Rate (which [more...]
Date: 2008-10-08 15:12:00
Bad Credit Doesn’t Mean No Credit
by Chris A Smith Just because you need help with your credit report does not mean you are automatically excluded from getting a new line of credit. Each lending institution, be it a credit card company or a bank, has it’s on rules regarding the granting of credit and often times these can vary greatly from institution to institution. Usually, the company offering the best rates and terms is more conservative than others and will consider the entire credit history of an applicant. [more...]
Date: 2009-06-08 12:30:05
Real Estate investing and bad credit reports
by Doc Schmyz In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]
Date: 2008-12-31 15:40:09
Is Your Credit Score Costing You Money?
Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home ... you know that your credit history can keep you from getting utility connections, good telephone rates, the best auto ... owners’ insurance, auto, and life insurance companies set minimum credit standards for their policy [more...]
Date: 2008-12-30 04:11:53
What A Deregulated Health Care Market Would Look Like
Conservative health care reformers love to bash state regulations ... ? Look no further than credit card companies. In 1978, the U.S. Supreme Court ruled that banks could ... , not the interest rate of the states in which they do business. Credit card businesses quickly set up shop [more...]
Date: 2008-10-09 15:21:35
The Fannie/Freddy bailout
It’s almost as if the feds are trying to flush the economy down the crapper ... holders of U.S. Treasury bonds. -Higher rates are bad for anyone with a mortgage, credit card debt, a home equity loan, a margin account, etc. -Higher rates also increase the government’s debt burden [more...]
Date: 2008-07-15 01:21:54
How You Can Remove a Judgment from Your Credit Report
by John Cooper A judgment, default judgment, and credit card judgment all mean the same thing ... a professional credit repair law firm for reasonable rates. A leader in the industry Lexington Law can be hired ... . This makes it possible to never be able remove a judgment. However with some savvy credit repair [more...]
Date: 2008-12-02 10:23:10
Judgments - Remove from Your Credit
by John Cooper Judgments are also called default judgments or credit card judgments. These terms all have the same meaning ... be removed and you should not be responsible. This is when I would suggest a credit repair law firm ... . You can actually hire them at a reasonable rate. A very popular credit repair service Lexington Law [more...]
Date: 2008-11-28 20:09:41
Credit Card Laws and Court Rulings–Have They Helped Consumers?
This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]
Date: 2009-09-25 19:18:38
I-Card Movement Gets Boost From Equifax
081113_infocard Credit rating giant Equifax released an digital information card for verifying age Thursday, ... , Novell and Pay Pal. While still in its early stages, no real websites are officially on board yet [more...]
Date: 2008-11-13 21:26:24
Another Random News Dump…
- Federal regulators today announced new rules for the credit card industry ... practices. Some examples of the new rules? Credit card companies will no longer be allowed to raise ... that allows Citibank to increase the rate on your Citi Visa if you’re late with a payment to Discover [more...]
Date: 2008-12-18 19:57:19
Questrade Gives Back Trailer Fees and Weekend Reading
Questrade Mutual Funds and Trailer Fees I noticed over at Questrade that, in addition to offering a low cost TFSA, ... for a newborn. Where does the time go? As CBC reports, it seems that the once mighty Nortel has finally ... Rate Savings Accounts MBNA SPG Credit Card Review Questrade Review Are Hybrid Vehicles Worth it? Tax [more...]
Date: 2009-01-16 11:30:34
Kevin Drum's grasp of economics almost always astounds me Today, however, I think he gets something plain wrong ... credit card debt. So there's no bang for the buck. But surely this is short sighted? Stimulus ... some of that credit card debt and put a few dollars aside. Right? We can't keep running a negative savings rate [more...]
Date: 2009-01-13 11:57:07
Fixing Your Messed Up Finances this 2009
If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... your credit card statements so you can see if your bank is increasing its rates. Explore ways on how [more...]
Date: 2009-01-07 10:18:05
O.C. house prices seen rising in 2013
Fed plan should stem credit card crunch Lenders did booming business in stressed counties Nominate an O.C ... should stem credit-card crunch Group calls for 180-day foreclosure moratorium O.C. mortgage rate drop a “miracle” Fed to pump $800 billion into credit markets Downey Financial to file for bankruptcy [more...]
Date: 2008-11-29 11:00:43
My 2009 Predictions
Evan Bernstein, from the Rogues Gallery (the Skeptic’s Guide to the Universe blog) ... the word “God” twice. 5. Car companies will continue to manufacture gas-guzzling p.o.s. cars, despite ... . For everyone. 10. Credit card companies will increase the interest rates of all their customers (”victims [more...]
Date: 2009-01-06 15:28:47
The next desperadoes?
Historically, one characteristic of bad economic times has been the rise of desperadoes as populist folk heroes ... on credit card balances with usurious interest rates. Meanwhile, wealthy conservative pundits sneer [more...]
Date: 2009-01-09 23:12:17
Carnival of Debt Reduction #151
Welcome to this week’s Carnival of Debt Reduction! Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... your debt snowball. This list is a good way to ease into saving money and spending less. No Credit ... rate might give the biggest return on investment of all!) Credit Withdrawal talks about getting [more...]
Date: 2008-08-04 08:35:02
Real Estate investing and bad credit reports
by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit reduces the opportunities of these things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]
Date: 2008-12-25 10:33:44
Bills IQ for your Debt Relief
In our complicated world today, many of us are trying to make most out of our money on hand ... has a Credit card debt. Each one of us is definite to be burden on credit debts and bad credit standing. So, what to do when one is not financially capable or has a degrading credit rating? What else [more...]
Date: 2008-08-23 06:06:10
The economy is in the pooper
Ya Ya this is old news. If it is not, you need to crawl out of the rock you are under and see for yourself ... but not getting good mortgage, good interest rate, decrease in housing values, job loss, credit card ... belly up, got acquired by another company and suddenly N's job and H1 B visa were a BIG concern. Also [more...]
Date: 2008-11-02 22:40:00
30 Ways to Save a Dollar a Day
This is a list of ways to save about $30 a month or a dollar a day. If you can do a couple of these, then you can save even more, like 60 or 90 ... the difference goes into savings 17. Call credit card companies to get a lower interest rate – calculate ... ) 6. Cut back on a bad habit – reduce smoking by ½ pack, buy fewer drinks when going out, cut the [more...]
Date: 2008-12-29 17:18:25
Personal Loans For A Real Estate Down Payment
With the down payment presenting the largest difficulty for most people want to buy right now, ... out there, as well as personal lines of credit and even credit cards. Not all of these are a possibility ... unsecured, the interest rate is higher than real estate loans, and the repayment period is shorter [more...]
Date: 2008-09-09 14:01:00
Breaking News: Washington Mutual to be Acquired by JPMorgan Chase (Update1)
Update1: From USA Today… JPMorgan Chase (JPM) acquired the banking operations of Washington Mutual, (WM) ... Credit Card? » WaMu Increases Online Savings Interest Rate » Cancelling John Hancock Life ... . This makes me wonder if the government might not be picking up some of WaMu’s bad debt to sweeten [more...]
Date: 2008-09-26 01:10:10
Wednesday morning links
TOP STORIES China cuts rates, Fed and others set to follow - Reuters Fed May Cut Rate to 1%, ... the Next Crisis: It’s Credit Cards - NY Times Why the surge in home sales is bad news - MSN Money ... down a third of mortgage applications - Times Online Canada's housing market 'tracking' U.S. boom [more...]
Date: 2008-10-29 13:11:00
With Things So Bad In The Economy…
…why is this happening: You know what I got in the mail yesterday? An offer from my credit card company, for a $50,000 unsecured personal loan. Did you catch that? Unsecured. That amount of money would require me to make the equivalent of another mortgage payment to repay them. That offer came as a result of our credit rating, and we would [more...]
Date: 2008-09-30 15:47:13
Not with a bang but a whimper
This is how you lose liberty. If an FBI agent looks at a terrorist's library records or Larry Flint has to pay additional postage for child ... , this is a very bad idea: Sixteen House Democrats who opposed a similar bill realized ... mortgage interest rates closer to those on, for example, auto loans or credit cards. A bankruptcy [more...]
Date: 2009-01-08 18:55:08
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
Is Your Credit Application Affected By Your Job?
The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... of people who manage okay and are able to maintain a good credit rating, it still may not be good enough anymore to just be “good”. In the days of old, credit cards used to be relatively easy to apply [more...]
Date: 2008-12-01 14:29:30
Find debt consolidation nationwide!
How does payday loans actually work? Although having a loan is not a very welcome idea, the fact is that during emergency situations, ... the rate of interest and helps with your credit report, thus making you able to pay your loans easier ... when we urgently need to pay for our credit card bills, we did apply for a loan, lol! Good news [more...]
Date: 2009-01-13 03:16:06
Dummy to Dave: A Question I Wish You Had Asked
Dear Dave, In the first hour of your January 12 show, Dan called and asked you if his mother should either refinance her house or take out a Prosper (peer to peer lending) loan in order to get a lower interest rate on her 20,000 dollars of credit card [more...]
Date: 2009-01-15 22:11:21
Congress Seeks To Move Up Credit Card Act Implementation To December 1st [Surprise]
Today, Reps. Barney Frank and Carolyn Maloney are going to request that the implementation date for the rest of the Credit Card Act 's rules be moved to December 1st of this year instead of February 2010 , after seeing companies "jacking up their rates and doing other things to their customers in advance of the effective date" all summer, reports Mary Pilon at The Wall Street Journal. [more...]
Date: 2009-09-24 15:09:36
Credit Cards For People With Bad Credit Scores
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. [more...]
Date: 2009-01-18 01:46:38
FSR’s Weekly Report Card for 01.16.09
MY BLOODY VALENTINE 3D Studio: Lionsgate Rated: R for graphic brutal horror violence and grisly images throughout, ... who plan to rob the stores in the mall of their credit card information. What I liked: This movie is stupid, and not always in a bad way. It’s a typical January release, as it’s not going to win any [more...]
Date: 2009-01-16 18:24:44
Banks Hoard Cash; Credit Card Bond Sales at Zero
Although LIBOR Plunged For 17 Consecutive Days it is not a sign of a huge increase in willingness to lend ... bank loans, compared with an average of 22 basis points in the five years before the global credit ... rate, or Libor, for three- month loans fell to 2.51 percent today, from 4.82 percent on Oct. 10 [more...]
Date: 2008-11-06 02:26:00
Data Mining And Easy Credit Will Save America! [Marketing]
How did all those shady mortgage companies get America's finances all fucked up in the first place? ... bankrupt. Even the big credit rating firms like Equifax and Experian make huge money slicing ... ? The exact same way! Data mining is going just as strong as ever, and all these credit card and loan [more...]
Date: 2008-10-22 13:27:45
Travel Tips for Singapore
The first part is getting there: Tickets: We went by Tiger airways (nothing to write home about, absolutely no leg room) ... all major MRT stations. Credit cards are accepted ever where & you do get better conversion rates. Stancy & HSBC also work. Researching: Information about Singapore extremely easy to find. Singapore [more...]
Date: 2009-01-18 05:41:26
FICO Toolkit for 50% Off
We wanted to share with our readers a great deal on learning about your FICO score and helping to get out of debt. Not sure what your FICO score is? ... is some of what it offers: Action Plan personalized to your credit report and goals 3 Credit Reports (from all three ... which cards to pay off first, etc. Fairness - It checks the fairness of rates to [more...]
Date: 2009-01-16 19:02:07
Nintendo’s A+ Customer Service
Note: There is a poll embedded within this post, please visit the site to participate in this post's poll ... warranty for all hardware repairs. Best of all, my credit card wouldn’t be charged until I got my Wii ... . Perhaps I’m rating this too soon, but I just had my first contact with Nintendo’s customer [more...]
Date: 2009-01-07 05:59:47
Canary in the Mine, Chirping
Few really bad ideas escape being floated in the New York Times:In the case of the Treasury, ... , increasing interest rates for home- and auto-buyers, for businesses and credit-card holders ... the money comes from the same wellspring that has been financing American debt for decades [more...]
Date: 2008-12-28 20:31:00
Friday morning links
TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]
Date: 2008-10-31 13:20:00
Today's Cartoon: Taking The High Road
According to Rasmussen Reports,a poll conducted on July 1, 2008 shows that Congress now has an all-time low favorable approval rating of 9%! ... for months to create a software "patch" released on Tuesday to repair the problem, which is in the way ... of businesses such as bank or credit card companies to trick them into disclosing account numbers [more...]
Date: 2008-07-09 21:49:43
Home Equity Loans Versus Home Equity Lines Of Credit
There is a difference between these two ways of obtaining credit. As great as the differences are, the uses are also radically opposite ... that is not affected by a URL=http://www.badcreditloanservices.com/bad-credit-mortgage.html mortgage /URL ... your credit card debt to avoid an endless refinancing, or any one-time purchase. The interest rate [more...]
Date: 2008-10-29 15:15:19
Aging Begins When We Are Young, Financial Literacy Should Too
Most Americans think that Medicare will pay for long-term care . . . It won’t. In 2005 the national savings rate fell below zero percent . . ... August 9, 2008 Used to be that credit cards didn’t pad most wallets. People stayed in the same job [more...]
Date: 2008-08-11 14:18:56
“Living beneath your means”
While most of America was busy trading home equity for a TV, RV, and SUV, I was busy renting apartments and driving an economy car ... times or bad. If you can’t stop using your credit card, get rid of it. An easy check to see ... bad it was. My father once said “I got a 21% rate on my loan, and I was glad to get it.” We may [more...]
Date: 2009-01-06 15:36:19
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