Savings Update for the New Year

I set up my savings snowball in August, right after I paid off my credit card debt ... and sent it to my student loans. I’m done buying textbooks - potentially forever. So the textbook ... $400 $495 Done! Student Loan Interest $1,500 $584 All extra $$ Getting Established $2,000 $100 $50 [more...]

Date: 2009-01-12 22:24:57

Blog posts (207) | Videos (216)
 

Housing bill a sign of societal decline

They can be up to date on their existing mortgage or in default, ... homeowners can get FHA-backed mortgages, they must first retire any other debt on the home, such as a home equity loan or line of credit. Borrowers are not permitted to take out another home equity loan [more...]

Date: 2008-07-27 00:48:04

What to do if you’ve been turned down for a loan

Turned Down For a Loan?  Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]

Date: 2009-09-26 14:37:00

Should You Pay Your Credit Card Bill Late? The Answer May Surprise You

One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... in student loans, over $8000 in 401(k) loans, over $18,000 in car loans, and over $93,000 in credit ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]

Date: 2008-12-09 21:00:39

Should You Pay Your Credit Card Bill Late? The Answer May Surprise You

One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... in student loans, over $8000 in 401(k) loans, over $18,000 in car loans, and over $93,000 in credit ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]

Date: 2008-12-09 15:49:26

General Growth, Mall Owner, May Be Facing a Sale - Mergers, Acquisitions, Venture Capital, Hedge Funds -- DealBook - New York Times

Want a case study on how the credit crunch can affect non financial firms? ... the end of 2010, most of it in the form of maturing mortgage loans. Refinancing the debt is considered highly unlikely because of the credit squeeze and the decline in retail real estate values stemming [more...]

Date: 2008-10-17 19:51:00

paying tuition to life

Have you ever loaned money to a friend or family member? Did you really loan it or was it borrow? ... student he ran up credit cards, drove a a fancy car, and took out student loans, etc.  He was a ROTC ... my parents weren’t helping me, but had preached no consumer debt. Plus I had student loans. Anyway [more...]

Date: 2008-10-21 13:00:30

Fast Way to be Free from Debts

.fullpost{display:inline;}Debts are the consequences for people who often take loans as the solution to completing the needs such as cash flows, ... game. No matter if you have good or bad credit record, the debt counseling from this website ... education, or car finance. If you have a good and structured management on your finance [more...]

Date: 2008-12-24 17:25:00

Financial Solvency Details

by Dave Almentenk The high level of stress and the tension of paying your loan cannot be explained in written or words only a person who is facing ... of the debt consolidation for the people who have a bad credit card and this debt consolidation will definitely give you back your peace of mind and of course the money. What are the benefits [more...]

Date: 2008-11-25 08:33:17

Credit Ratings Are Often Underestimated

People know that getting into debt can be a bad thing ... underestimate their credit. They figure that if they aren’t financing a vehicle or looking at buying a new home, then they don’t have anything to worry about. Credit governs interest rates and loan [more...]

Date: 2008-12-08 17:01:07

Life goals for 2009

This time last year, I had three New Year resolutions: pay off all consumer debt in four months, ... : Never miss payments on credit card and mortgage loan. Last year, I had two late payments ... two steps backward and one step forward in personal finance may not always be bad. Like buying [more...]

Date: 2009-01-03 01:00:32

The 2008 Economic Crisis: Consequences And Fix (Guest Voice Part II)

This is the second of three special Guest Voice posts on the present Wall Street economic meltdown by Mikkel Fishman, ... majority of the time people don’t care whether you pay them in cash or through debt (i.e. a credit ... they borrowed it for. The more dollars they loan out proportional to the amount of capital they keep [more...]

Date: 2008-09-24 16:40:49

Free Credit Report

How many debts do you have now? Do you have one, two or three kinds of debt? Or even more than that? ... quickly and easily as well as remove credit report errors. As soon as we get that status, we can improve ... our credit score but also close our chances to get more loans again in the future. What I have mentioned [more...]

Date: 2008-12-17 12:18:11

Record Credit Card Defaults Signals a Weaker Recovery

According to reports from Moody’s ( MCO ) Investors Service, credit card delinquencies surged to record levels in August.  In the first increase of charge-off rates since the rally began in March, credit card issuers wrote off 11.49% of uncollectible consumer debt compared to 10.52% in July.  Also loans more than 30-days past due also rose to 5.8%.  Moody’s report also suggests that charge off rates are not likely to peak until mid-2010, as unemployment continues to strain many consumers budgets. [more...]

Date: 2009-09-24 14:40:21

Borrowing Beyond your Limit can Result in Consumer Debt

Consumer debt has risen to worrying percentages in the past few years ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many ... of the loan, how much the borrower is able to pay back per month, their current credit score [more...]

Date: 2009-01-17 00:24:29

California Debt Consolidation

California Debt Consolidation January 16th, 2009 Debtors are the ones who face tough times ... in California through their debt consolidation loan help you to improve your credit score. They abide [more...]

Date: 2009-01-16 04:11:25

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

Wall Street bailout: Congress 'must move'

by Mark Silva With leaders of both Democratic and Republican House ranks blaming each other for the initial failure of a $700-billion federal ... if the government does not act to unlock financial markets frozen by bad mortgage debt threatening a credit crunch at every level of the economy, threatening everything from home loans to car loans [more...]

Date: 2008-09-29 21:35:44

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

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

College Loan Slavery: Student Debt Is Getting Way Out of Hand

I have seen this first hand. No one holds a gun to these people's heads. They don't understand sacraficing now to have more later ... debt. And don't get me started on all the credit card kiosks around campuses. Only fools get those ... out probably a hundred resumes from L.A. to Canada, but I haven't had a single response. Experienced people [more...]

Date: 2008-11-12 13:25:34

Debt Consolidation Explained

Debt Consolidation Explained December 16th, 2008 As more and more consumers struggle with out of control debts, ... large and small. In modern society, credit has become so simplified that individuals become burdened ... loan. These typically boast rates far lower than the interest rates offered by credit card companies [more...]

Date: 2008-12-16 15:57:23

Debt Consolidation Advices

Many people are burdened with too much debt that their monthly salaries are not enough to cover their monthly loan payments, ... s one way of getting out of bad credit reputation and you’ll soon be debt-free in two to three years ... some advice from debt consolidation companies which offers good solution to debt problems [more...]

Date: 2008-12-17 14:27:00

It’s Time To Cut Back In California

The Union Tribune reports from California. “ABA Recovery Service owner Marcelle Egley-Sparks said that in the past year, ... During its first 73 years, San Diego Metropolitan Credit Union never lost money on a real estate loan. That ended last year, when it wrote off $527,681 in bad real estate debt. The credit union also took [more...]

Date: 2008-08-24 18:28:13

$150 000 in debt with credit card

I am about 27 years old and I am $150 i debt from bad spending habits and house payments as well as loans. I have kept a job but i am only able to pay little of my debt as just keeps increasing. I am looking into bankruptcy but i would like some further consulting. Thankyou Posted from: Ontario [more...]

Date: 2008-12-10 18:42:34

That First Taste of Financial Success

wendy3 About a month after I hit bottom in terms of my debt, I sent in a large payment on one of my credit cards, ... off the rest of my credit cards, to pay off our car loans, to pay off my remaining student loans ... s been tasty all the way along. A lot of people like to criticize Dave Ramsey and his “Total Money Makeover [more...]

Date: 2008-10-21 14:00:52

Your Interest Rates Are About to Go Up

By Andrea Dickson The thing about financial crises is that they never fail to affect everyone ... that a home equity loan could be secured to pay off the personal debt. Now that home equity loans ... is causing some of the most accute problems. One of these problems is that your credit card company [more...]

Date: 2008-07-02 20:38:52

The Basics of Dealing with a Loan Default

Credit Cards by Andres Rueda on Flickr! Over the past few weeks, ... that debt turned over to a collection agency (if your debt doesn’t have collateral). The impact ... , this will begin to affect your credit (usually when you’ve been in default for thirty days or more), which [more...]

Date: 2008-12-09 20:00:29

BofA bailout puts Merrill defections in context

Bank of America Corp ... the fray and mostly unscathed by the mortgage meltdown and subsequent credit crisis, having not traded too heavily in toxic mortgage debt and leverage loans. However, by taking on Merrill, which [more...]

Date: 2009-01-16 19:07:07

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

Eliminating Debt in 5 Easy Steps

by John Major It is unfortunate that in today’s economy, debt rules all. From the deepest spots of our wallets, we have charged ourselves to the point of no return. The commercials and ads promising a better car, newer home and more of this and that are all based on lines of credit and bank loans. Our children have been raised in this economy where paying for something means a monthly payment and a low or high interest rate; this is why debt elimination is needed. [more...]

Date: 2009-09-24 11:39:25

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

Daftar Keyword Termahal Google AdSense

Berikut ini adalah keyword-keyword termahal versy digital point, list ini berguna bagi anda yang mencari duit dari Google Adsense mesothelioma $84 ... credit counseling $13.02 asbestos $12.79 debt solutions $12.64 cash loans $12.13 refinancing $12.09 ... Lexington law firm $16.81 debt problems $16.28 register domain $15.74 home equity line of cr [more...]

Date: 2008-06-27 14:36:40

Where Is The Safest Place To Save Or Invest Your Money?

Whether we want to acknowledge the grim reality or not, ... of bad mortgage debts and the loss of value in their subprime mortgage loans, major mortgage ... the credit crunch squeeze. With the recent bank safety scares hitting Wall Street and now Main Street, bank [more...]

Date: 2008-10-03 06:35:30

Wall Street Breakfast: Must-Know News

Treasury takes GMAC stake. The Treasury will buy a $5B stake in GMAC (GKM), owned by General Motors (GM) ... shortage earlier this year forced it to limit loans only to people with the best credit. GMAC, which ... will now have to greatly increase its debt to proceed with the Rohm acquisition. As such, S&P cut Dow's credit [more...]

Date: 2008-12-30 12:11:31

Some facts about debt settlement

Debt settlement or debt negotiation is a way of reducing or paying off completely the debt you have ... for bad credit has several approaches. The first step would be the analysis of your financial status ... at lower interest than most of the credit cards in the market. It would be wise to avail a loan [more...]

Date: 2009-01-17 06:36:46

Tale of the first $350 billion of TARP funds

President Bush has grudgingly allowed General Motors and Chrysler to drive away with the last few billion bucks in Treasury’s TARP till, ... International Group (AIG, Fortune 500) so the troubled insurer could pay off an earlier loan ... York might incur in a new program to lend money to owners of securities backed by credit card debt [more...]

Date: 2008-12-23 14:47:31

Working With Good Debt

As we go through life, we’re all faced with important financial decisions ... of credit, and it is with credit that we can find ourselves in debt. This isn’t always a bad thing ... ways in which to take care of the financial burden. Fortunately, there are numerous student loan [more...]

Date: 2008-12-08 17:59:15

Finance - Books on Personal Loans

by Jorg Maurer Personal loans and all the terminology that goes with it can make your head spin after awhile ... issues including fixing up homes, then this book will give you calibre information in both areas ... , there have been a couple of which yield we report upon how to compensate off debt, together with credit [more...]

Date: 2009-01-16 02:40:29

Credit Consolidation Services

Credit Consolidation Services Filed under: Business, Finance, Loans Foreclosure numbers are currently skyrocketing in a flat housing market, ... of homes, and many financial institutes were seeing an increase in bad debts. As a result, there were [more...]

Date: 2008-10-21 06:32:32

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

Countrywide Home Loans is killing me

First a little history: November 16, 2007 I had major surgery and my employer let me go on my first week home on disability ... , and executive employment can be hard to find. I lived off credit for 9 months increasing my debt to a crisis ... yet they assigned the data to only one of the loans causing more delay (they kept saying [more...]

Date: 2009-01-17 20:06:52

Dave Ramsey, Common Sense Fix Rather Than Congressional Rescue

Financial counsellor and syndicated talk show host Dave Ramsey---where credit card debt goes to die---presents an alternative to the $700 billion ... all prepayment penalties to encourage refinancing or the sale of the property to pay off the bad loan ... Ramsey's plan: "Years of bad decisions and stupid mistakes have created an economic nightmare [more...]

Date: 2008-10-01 13:11:41

debt on a holiday

one of the problems being faced by people nowadays are bad credit reputation, be it on credit cards or phone bills and from other loan institution ... . and this are for people who are looking to get emergency cash right to their checking account safely ... their credit capability and hopefully their future, financially speaking. [more...]

Date: 2008-10-27 14:03:42

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

When Is The Last Time You’ve Reviewed Your Budget?

After yesterday’s post about making debt reduction a New Year’s resolution (and after emailing the HBHW newsletter list about it as well), the emails kept pouring in. I’m so excited to hear that so many of us are making it a priority in 2009 to reduce the amount of money we owe. Whether it’s paying of credit cards, a car loan [more...]

Date: 2009-01-18 02:13:26

Bailouts - when will they end?

As most people knew and predicted, once one industry got a bailout (loan or direct grant of cash), it would be hard to tell all other industries 'no ... (subscription may be required.) They've got massive debts coming due and no new credit available.With ... Foresight Analytics LCC, $530 billion of commercial mortgages will be coming due for refinancing [more...]

Date: 2008-12-22 12:44:00

Get Rid with your Debt

Since it is holiday, people spend more than the usual and because of this, many people are in need of some financial resources ... . This is a type of a short-term loans which helps you get advance cash on the paycheck. through ... in the financial world, this site can help people with bad credit to manage their debts and consolidate [more...]

Date: 2008-12-31 02:38:46

Britain’s Debt

by Abbi Rouse Reform claims that Britain’s economy has become bloated over the past few years due to Brits bingeing on debt and failing to work off the excess. According to the independent think tank, this tendency to rely on cheap credit cards and cheap loans to support spending habits has produced an economy that is unfit and working [more...]

Date: 2008-12-25 18:41:33

What Has Happened to Real Estate Prices?

by Mary Bush Back in the late 1990’s and in the early part of the 2000’s banks had tougher guidelines to purchase a property when using conventional financing. Banks would lend you money based on your debt to income ratio and your credit score ... in addition to your residential mortgage payment. In some cases, the banks would stretch the loan [more...]

Date: 2008-12-21 13:24:48

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