Home Refinancing
Many debtors in California were able to get out of debt with California debt consolidation programs ... . It's a phenomenon that is sweeping the country. It is also why so many people are now plagued with bad credit ... people have been using their credit cards too often and they find it difficult to pay back [more...]
Date: 2008-11-03 13:31:59
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Sell Stock to Pay Down Debt?
I received an email from a reader about whether it was a good idea to sell their non-registered portfolio to pay down debt ... consensus is to not start a non-registered portfolio until all bad debts are paid off. But does that make sense all the time? Here is the readers situation: Credit Card Balance: $20,000 Interest [more...]
Date: 2008-09-23 10:30:06
JPMorgan profit drops 76 percent
JPMorgan Chase & Co. said that its profit fell 76 percent as rising defaults. The company said in a statement that the year-old U.S ... More consumers are paying late on their credit cards and mortgages, forcing banks to increase reserves, the statement said. JPMorgan has almost tripled its provisions for bad debt in the past year. Fourth [more...]
Date: 2009-01-15 14:23:57
Take Control of Your Finances Part 1-C: Make Accurate Predictions
Now that you’ve taken an inventory of your finances and determined your net worth, I can tell you that the number is meaningless ... out of credit card debt, $100,000 is good. If you have hospital bills to pay without insurance, $100,000 might [more...]
Date: 2008-11-12 13:30:20
It’s the economy stupid!
It’s the economy stupid! Remember that being said not all that long ago in a campaign speech? ... of all but essential credit cards, dine at home more often, terminate unnecessary trips ... . He will begin to save and start paying down debt. A company that has reached the limits of its credit [more...]
Date: 2008-12-09 19:16:05
How to Become Debt Free and Secure Your Financial Future
There is no greater threat to your financial future then having to deal with overwhelming debt ... cash on yourself. That’s the problem with borrowing money through the use of personal loans, car loans, and credit cards; once you start paying that interest its money that is now working [more...]
Date: 2009-01-17 06:24:15
BMW Smart key concept multi tasks as your credit card
After news that Ford is developing the MyKey, to keep your children's driving habits under check, BMW has now gone ahead and developed a new key that could double up as a credit card. Considering ... that it will ease the process for rich people to just pay off their parking, groceries, and bad debts via [more...]
Date: 2008-10-22 12:40:08
When It's Time to Wave the White Flag and File Bankruptcy
Sometimes, despite our best intentions to pay back our debts, our individual circumstances make it an impossible task ... ) Have you tried debt consolidation but can't get approved for the loan? Are you unsure how much ... just the minimum payment on your credit cards each month? Do you often skip bill payments in order [more...]
Date: 2009-01-08 02:07:50
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
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
Consolidate credit card debt with debt consolidation - Loan Modification not the answer
Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]
Date: 2009-09-23 18:54:41
I give in.
I do not like the person I am right now.On Monday, after I went to my first ever kickboxng class, ... is in MY name. The house mortgage is in MY name. The Home Depot fucking credit card is in MY name ... for me.Um, HELL no.I flipped. I've had to get a 2nd fucking job in order to help pay down the debt [more...]
Date: 2008-12-17 14:36:00
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
President Obama to the Aid of Americans Suffering from Debt Apply For Your Government Grant Now
Author : Lindsy Emery It is no secret that the economy is in dire need of a jumpstart With so many out of work, taking cuts in pay, losing homes, cars and having bills that they can no longer afford to meet, Americans are turning to our government for financial help Under the guidance of Barack Obama, our federal government is responding Bills have been introduced that better monitor and control the interest rates and fees credit card companies are allowed to charge Financial institutions [more...]
Date: 2009-09-30 15:50:29
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
How To Do A Credit Card Debt Consolidation.
Credit card debt consolidation allows you to pay your current debts in 3-6 years. Under a debt consolidation plan, terms and conditions change ... representative. There may be instances that your account will be turned over to a collection agency ... cause the creditors to resume the normal collection activities and what’s worse, they might turn [more...]
Date: 2009-01-15 14:28:51
Read More Information About IVA inside this Blog Publication
One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]
Date: 2009-09-27 21:55:32
Pensioners hit by spiralling credit card debts forced to take out loans as energy prices soar
One in four people is approaching retirement with thousands of pounds worth of debt because they cannot meet the rising cost of living ... to pay their bills. The average credit card debt for the age group is now just over £8,000, according ... out the first available credit card in 1967 had expected to pay off their debts by their forties [more...]
Date: 2008-11-23 00:05:36
We just got really close to carrying a balance
I felt like we dodged a bullet tonight. I was checking balances on some of my accounts and I loaded up the balance on our primary checking account ... through. It actually popped in my head that we could just not pay our full credit card bill next month ... . Getting into credit card debt, of course, is way easier than getting out of it. (Just ask [more...]
Date: 2008-09-28 07:10:59
The Seven Steps of Financial Preparedness
The following is a guest post from Marotta Asset Management. When a hurricane threatens, making a plan and gearing up for emergencies is imperative ... . The second step to prepare for financial emergencies is to extricate yourself from credit card debt ... around the country. Ramsey suggests paying off your credit card by starting with the smallest [more...]
Date: 2008-10-13 10:29:04
David Sirota: Top 5 Reasons to Vote Against Paulson's $700 Billion Bailout
There's news this Sunday afternoon of a congressional deal to bailout Wall Street fat cats with $700 billion of taxpayer cash ( ... INHERENT FISCAL INSANITY COULD MAKE PROBLEM WORSE When an individual consumer uses a new credit card to pay off astounding debt from an old credit card, it's called kiting, and in many cases [more...]
Date: 2008-09-28 23:35:52
Broken By Your Credit Card? Credit Repair Service Can Help
Negotiating Credit Card Debt Sure, we all love them but when misused, a credit card can break us ... , if they insist that you have to pay to get your own credit report, get up and leave ... is different from the credit report, you would typically be charged a small fee. Understanding [more...]
Date: 2008-10-29 17:42:18
Looking at Your Credit Card Bills
by Landon McGehee Are you in the habit of whipping out your plastic for every purchase? Now days, most people have the same problem ... to credit cards to pay for their everyday expenses. But with this influx of credit card use comes ... has noticed a rise in business as more and more clients are mounting up credit card debt. He goes [more...]
Date: 2008-09-20 20:57:13
How to Manage Your Credit Card Debt
How to Manage Your Credit Card Debt Posted in January 18th, 2009 Category:Credit You’ve spent a little here, a little there, ... credit bills arrive but you’re not paying off the full amounts each time. make money online So with your credit limits almost maxed out you decide to try and take ... [more...]
Date: 2009-01-18 08:03:06
How One Couple Paid Off $30,000 Of Credit Card Debt
Eat Now, Pay Later photo credit: inkynobaka I came across an inspiring story about a couple that managed to pay off $30, ... people that I talk with could never get rid of a cell phone, cable tv, or internet. They also cut out gym ... 000 in credit card debt and is now saving $500 a month. The Dunleavey’s tackled the credit card [more...]
Date: 2009-01-16 13:00:09
How To Eliminate Credit Card Debt
by Ada Denis There is almost nothing more serious than having too much debt to pay each month. Consumers get debt for many unusual reasons out. Sometimes illness, accidents, or just bad fate can make it appear impossible to find finances ... taking control of your financial position is to learn how to get rid of your credit card debt [more...]
Date: 2008-11-23 17:42:51
Six Simple Steps to Avoid Credit Problems in a Bad Economy
The New York Times ran a story today that says the next consumer crisis is credit cards — a sobering fact in a nation that has racked up massive amounts of credit card debt. Unfortunately, when times get hard, many people turn to credit cards ... this myself, buying things on credit when I had no other way to pay for them. I’m not talking about [more...]
Date: 2008-10-29 23:20:31
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
Winners and Losers from Current Economic Situation.
In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]
Date: 2009-01-13 06:40:00
Debt Settlement, Bankruptcy and Credit Ratings
by Eric Jilson Debt is often one of the largest expenses people may have ... credit card debt where the interest rates are quite high. Your best strategy is to pay all you can towards that debt and only use your credit card in emergencies. There are caveats; it’s also a good [more...]
Date: 2009-01-08 14:53:06
On community organizers and prisoners of war
A number of people seem perplexed by what Obama did in his years as a community organizer and why that experience would be relevant to the ... or how to pay off credit card debt. This is the sort of poverty that has no expectation of paying off ... for granted—like literacy or a work ethic or fathers or heat or legal jobs—may be missing entirely [more...]
Date: 2008-09-10 12:00:00
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. “ ... you information on how to pay off debt, including credit cards and personal loans. “Live Debt Free” (3rd Edition [more...]
Date: 2009-01-16 11:31:03
Getting Out of Debt Now and Improve Your Credit Rating
by Eric Jilson Debt is often one of the largest expenses people may have ... credit card debt where the interest rates are quite high. Your best strategy is to pay all you can towards that debt and only use your credit card in emergencies. There are caveats; it’s also a good [more...]
Date: 2008-11-24 22:25:53
The Path to Mediocrity: Doing What Works For You and Other Self-Limiting Philosophies
General advice for an imaginary average person Personal finance advice comes in many forms, ... qualifications of a larger group. Take, for example, the case of the best way to pay off credit ... there are exceptions, this method of debt repayment calls for credit card debt always being paid off by focusing [more...]
Date: 2008-08-20 12:30:00
Debt Relief Tips
by Eric Jilson Debt is often one of the largest expenses people may have ... credit card debt where the interest rates are quite high. Your best strategy is to pay all you can towards that debt and only use your credit card in emergencies. There are caveats; it’s also a good [more...]
Date: 2008-11-30 22:20:05
Paying Down Debt In Your Marriage
Debt can be a real strain on any marriage. Today we’ll take a look at how you can work with your spouse to reduce debt together ... accumulate credit card debt. Before you know it, you’ve racked up $50k in consumer debt, not including ... such as an unexpected medical expense or car repair. Don’t skip step 1! It’s #1 for a reason. Step [more...]
Date: 2008-09-08 13:12:49
Hepzibah Tales
Talking about money management and budgets is not something I enjoy. I’d rather discuss dismemberment, or the landscape of Idaho ... of the condo, plus some child-related debt. I did pay off all my credit cards, from the home equity ... happen. I am bringing my lunch to work, which is really a savings. I was fixing my big spinach salad [more...]
Date: 2009-01-14 03:33:40
Taxing my patience
I don't know if you're like me, and devote part of every Sunday morning to making yourself feel sick ... for the Oatens (they'll be able to pay off their credit card debt in "only" 153 years if they follow ... , looking up from the Plymouth Argyle match report (he has a final salary pension, natch [more...]
Date: 2008-11-11 13:12:17
September 2008 Financial Status / Net Worth Update
Finally got around to adding up the numbers for the last month: ... I have the ability to pay the credit card balances off, I choose not to. Retirement and Brokerage accounts The bad ... Credit Card Debt If you’re a new reader, let me start out as usual by explaining the credit card [more...]
Date: 2008-09-08 12:51:08
Interest Only and Credit Card Debt
by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]
Date: 2009-01-01 10:19:52
Interest Only and Credit Card Debt
by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]
Date: 2009-01-06 08:22:54
Interest Only and Credit Card Debt
by Mary Bush Well, here is an example of the system that isn’t functioning as intended: a mortgage loan that encourages paying off one debt, ... as if to say, ‘You mean you can’t pay?’ What do these loan and credit companies think they’re going ... product, let’s give the bad credit crowd a chance to make an even worse decision, and finance a home [more...]
Date: 2009-01-05 15:03:54
Niall Ferguson's "The Lessons of Detroit"
Here's an excerpt from Harvard financial historian Niall Ferguson's massive Vanity Fair article explaining it all: "Wall Street Lays Another Egg:" ... their homes as cash machines, converting their existing equity into cash and using the proceeds to pay off credit-card debts, carry out renovations, or buy new consumer durables. However, the [more...]
Date: 2008-11-07 12:06:22
What Does “Late” Really Mean? Beware of Sneaky Credit Card Fees
I spend a lot of time watching and listening to financial news reports; and since we’re officially in a recession, ... debts low and paying bills on time. However, it appears that credit card companies have found a way to mess with their reliable, responsible clients. Credit card companies can pretty much bet [more...]
Date: 2008-12-16 15:04:11
Pawlenty on the Bailouts
Pawlenty on the Bailouts Jennifer Rubin - 12.08.2008 - 7: ... , the federal government of the United States is broke. They’re using credit card debt to pay off credit ... from reforming and fixing the problem because structurally it’s unsustainable. Those are the kinds [more...]
Date: 2008-12-08 12:53:34
No, Bums Are Not Richer Than You!
A couple days ago, my buddy Neil Patel made a post claiming that bums are on the street are actually richer than the average ... . I would never run a Credit Card balance. That’s bad debt. However, I would have no problems going heavily ... and bad debt. He just said pay off your debt. Let me tell you something, no one has ever gotten [more...]
Date: 2008-12-20 14:00:18
Bad Credit and the International Debit Card
Saving Face with New Debit Cards that can Help those with Bad Credit It isn’t always right to believe that there isn’t any way out of debt when you have bad credit. People around the world tend to find themselves at a financial disadvantage ... t have a credit card, it is next to impossible to pay bills nowadays. Most places usually refuse to accept [more...]
Date: 2008-12-05 17:41:30
Oil Will Surge Again… Here’s 7 Ways To Profit When It Does
HIDDEN VALUE Dear Value Seeker, We hope you had a happy holiday. We’re on our way back to our home in Buenos Aires tonight ... to affect our ability to pay off our mortgages… and our credit card debt? As my dad, Bill Bonner, and his colleague James Dale Davidson have been warning in their emergency report, How to Survive [more...]
Date: 2008-12-29 23:18:40
The next meltdown?
So what is the next meltdown? This article in MSN suggets it’s credit cards. Definitely a possibility ... , but how are people affording credit cards, student loans, and car loans? Much like foreclosures ... . First, the average debt of consumers is $16k when averaged over people who don’t have credit cards, pay [more...]
Date: 2008-11-06 17:42:46
Will There Be A Second Stimulus Check? I Hope Not.
Man, do I hope not. The first stimulus check cost us $168 billion dollars, ... ; we are already doing that with the bailout. If they want to create a fund to pay for road repair or fixing ... spent - it was either saved or put on a credit card to pay down debt. It was not used to stimulate [more...]
Date: 2008-10-16 13:00:23
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