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My best friend talked me past my fear of buying on credit nearly three years ago when I purchased the 15 in Macbook that I use for most of my writing and blogging and general time wasting on the Internet. She convinced me that it was a reward for having completed my masters and securing a rather substantial pay raise in doing so. I hadn’t yet realized the money. My school district had established a policy of waiting to move people on the pay scale to mid-year where degree advancements were involved. [more...]

Date: 2009-09-20 17:43:52

Blog posts (123) | Videos (31)
 

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RegularsTalk Amongst Yourselves By David Wildgoose on September 25, 2009 at 8:30 AM This is where Kotaku readers go to talk about the stuff we’re not already posting about. Think of it as the official unofficial Kotaku community forum.You can talk about games. Or movies. Or politics. Music. Food. Science. Sport. Insert your own miscellaneous off-topic discussion here. Just keep it clean.I’ll be promoting this post each morning until Sunday to let the conversation continue all week. [more...]

Date: 2009-09-24 22:30:39

Drumbeat: September 23, 2009

Chesapeake says $4 natgas too low to grow output GREENWICH, Conn. (Reuters) - U.S. natural gas prices will have to move higher to spur a resurgence in drilling activity and keep output of the fuel steady, the head of Chesapeake Energy Corp said on Wednesday. The weak U.S. economy has knocked natural gas prices sharply lower in the past 14 months, and sluggish demand for fuel has prompted producers such as Chesapeake to curtail drilling for new supplies. "The industry can cope with $4 gas. [more...]

Date: 2009-09-23 14:08:02

September 9 2009: A crime that will forever go unpunished

Dorothea Lange The Road June 1938 Outskirts of El Paso, Texas. "Young Negro wife cooking breakfast. 'Do you suppose I'd be out on the highway cooking my steak if I had it good at home?' Occupations: hotel maid, cook, laundress" Ilargi: Whenever I try to avoid the subject of Fannie and Freddie these days, I seem to get drawn right back into the topic of troubled US states. And when avoiding them, somehow I'm back with Fan and Fred. Got to go with the flow,I guess. [more...]

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

The Recession has Technically Ended: Surely You’re Joking, Mr. Bernanke!

by Bob Chapman Global Research September 19, 2009 To borrow from an old joke about politicians, we ask our subscribers if they know how to tell when Helicopter Ben Bernanke, the current Fed Head, is lying. Answer: Whenever his lips are moving. Now we hear from the Dollar-Destroyer that our recession has technically ended (heaven forbid that we should call our current Fed-caused calamity a depression, which is what it has been since Obama took office). [more...]

Date: 2009-09-20 12:02:50

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Choosing Between Chapter 7 and Chapter 13

The current global financial crisis caught many Americans unprepared for a downturn of the scale that has happened. As a consequence, many Americans found themselves in a situation where their financial liabilities far outpaced their ability to keep up without access to easy credit. The tightening of the credit markets in response to the current crisis inevitably led to a radical increase in the number of bankruptcies filed in the United States. [more...]

Date: 2009-09-11 20:55:33

The Recession has Technically Ended, Is Bernanke Joking?

Economics / Recession 2008 – 2010 Sep 19, 2009 – 12:37 PMBy: Bob_Chapman To borrow from an old joke about politicians, we ask our subscribers if they know how to tell when Helicopter Ben Bernanke, the current Fed Head, is lying. Answer: Whenever his lips are moving. Now we hear from the Dollar-Destroyer that our recession has technically ended (heaven forbid that we should call our current Fed-caused calamity a depression, which is what it has been since Obama took office). [more...]

Date: 2009-09-20 13:34:31

Who Needs A modification Company To Stop Foreclosure

by Adam Whazzer If you, like many people in the U.S.A, are facing foreclosure on your home, then you are looking for anything you can do to stop it. Firstly, be calm and dont panic. Do not get yourself into a situation like mortgage restructure that you have to pay for up front. A reputable mortgage company, that knows that their service will help you, will do this with no money up front because they know they will get paid when the mortgage goes through. [more...]

Date: 2009-09-25 17:27:05

Obtaining Bad Credit Home Loans

Obtaining Bad Credit Home Loans by Tony KidFinding bad credit home loans isn’t as hard as it once was. With a new administration in place, there are even more possibilities than before. They can get you approved, and make it affordable unlike in times past where only the people with good credit could get approved. Owning your own home is one of the biggest parts of the American dream.For many years, citizens of the U. S. have been chasing the American Dream. [more...]

Date: 2009-09-26 13:12:48

Do You Understand Chapter 13?

Many Americas were completely unprepared for the huge-scale downturn and financial crisis that is currently happening all over the world. Because so many Americans were unprepared and easy credit dried up, their expenses and liabilities quickly outstripped their ability to pay for their lifestyles. The financial crisis causes a tightening of credit all over, in turn leading to astounding increases in bankruptcy filings in the United States. [more...]

Date: 2009-09-11 20:58:07

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

Bull Moves in Bear Markets

In high school, I once dated a girl whose father believed the world was doomed to nuclear destruction. While his family lived in a trailer house (as did mine), this man spent a lot of time and money building a bomb shelter in the back yard. He stocked up on food supplies. He warned anyone who would listen about the coming armageddon [more...]

Date: 2008-11-04 12:00:11

Self-Help Lesson: Improve Your Credit Score

If you want to be successful financially, you need to make sure that you have a great credit history. Remarkably, one number - your credit score - can make or break you. Banks, insurance companies, and many employers have come to rely on credit scores as a quick way to judge people. Thus, people without clean credit scores end up in a downward cycle: They pay more than they need to for home and car loans. They pay more for insurance policies. [more...]

Date: 2009-09-12 07:11:00

Finding Bad Credit Home Loans

Sep 26th, 2009by Tony Kid. by Tony KidObtaining bad credit home loans is just not as hard as back in times past. There are loads of new programs available to help people with less than stellar credit. You have many options if you fall into the bad credit category today, and help is there if you look for it. You may not think you can get approved for a loan, but if you’ll seek it out, you may find that you’re perfect for the programs that have been put in place today.For many years, citizens of the U. [more...]

Date: 2009-09-26 13:14:42

From Baku to Russian-Occupied Georgia

“Russia can have at its borders only enemies or vassals.” – George F. Kennan, United States Ambassador to the Soviet Union “You must draw a white-hot iron over this Georgian land!…You will have to break the wings of this Georgia! Let the blood of the petit bourgeois flow until they give up all their resistance! Impale them! Tear them apart! [more...]

Date: 2008-09-10 08:22:34

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Blocking, Tackling & Running: Leveraging a Crisis Into Real Change

There's a fairly well known cartoon of two scientists working out a problem on a chalkboard covered with complex equations and down in the circle is a little circle with the key step inserted in small print - "and then a miracle occurs". Wouldn't it be nice if we could take the same short-cut to fixing the horrendous shopping list of significant [more...]

Date: 2009-01-16 20:07:11

Bad Credit Mortgage Refinance

So many people are trying to refinance their mortgages today. A lot of people are doing this because they have lost their jobs and are getting less income. The income from unemployment is only a certain amount of what your income is when you are at work. The only problems with trying to refinance mortgage with bad credit is that they are getting turned down either due to lower income or due to having bad credit. Unfortunately, a lot of people have bad credit and can’t get a loan. [more...]

Date: 2009-09-09 00:57:13

The Wisdom of StupidHurts.me

Now before I get any complaints I won’t be featuring any t-shirts in this post once you read what I have to say I’m sure that you’ll all be most understanding. StupidHurts.me is a new t-shirt site with a difference, this brand new brand is still in beta and so I can’t show you what they’re offering right now, but I will give you a clear idea of their aims and objectives. [more...]

Date: 2009-09-11 17:35:42

Credit Card Debt Consolidation: Tips For Credit Card Debt

Amazon.de Widgets In those days, people prefer filing for bankruptcy to settle their debts due to the global financial crisis. However, that is not good for our economy. We should do some debt negotiations and debt managements for our debt settlements. That is the way out of the credit crisis.The rising interest rate is the major reason for the financial crisis. The high interest rate make people can not afford to pay back, even the monthly minimum de amount. [more...]

Date: 2009-09-12 18:30:40

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

Tennessee women to celebrate Day of “Free”dom

Nashville Convention Center transforms into state’s largest life support system for women ... , you can try Laughter Yoga, repair a toilet, take care of all those nagging financial obligations (like setting up a living will, a serious budget and a plan of attack to improve your credit score [more...]

Date: 2009-01-14 18:00:45

Doomed Romance: Two Weeks of Love Gone Wrong

And you thought you had problems.When it comes to broken hearts I've got one that was shattered and thrashed, along with my psyche, self-confidence and pride. February 19, 2002 I write in my journal these words:It was like he moved into my brain and started redecorating. A few throw pillows here, hate your parents there [more...]

Date: 2008-08-18 13:33:00

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

Unilateralism Spells Cop Out - Olmert/Livni Buckle!

If these two reports below are correct, and I suspect they are reliable, it would be a travesty of justice perpetrated by Olmert, Livni and Barak ... , politicians must do something, be seen as pro-active for fear of being perceived as unresponsive. Bad medicine is bad medicine. (See 2 below.) Even if the two most powerful men in our tax system [more...]

Date: 2009-01-17 03:50:00

What Bush Got Right

A broad shift in America's approach to the world is justified and overdue. Bush's basic conception of a "global War on Terror," to take but the most obvious example, has been poorly thought-through, badly implemented, and has produced many unintended costs that will linger for years if not decades [more...]

Date: 2008-08-18 21:16:31

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

Translation of Obama’s Economic Speech

Steve Elliott has correctly brought out the truth that is in between the lines and sugar-coated in Obama’s speech of January 8, 2009. Lengthy, but worth the read. Americans! Wake up before it is too late! Too many people are letting themselves be deceived. What follows is Obama’s economic speech transcript, with my annotation (ITAL AND CAPS) [more...]

Date: 2009-01-10 00:48:16

The Economist: Bailout "deserves support"

The Economist endorses the bailout: No government bail-out of the banking system was ever going to be pretty. This one deserves support ... self-respecting capitalist. Against that stand two overriding arguments. First this is a plan ... credible, transparent prices, it would at last encourage investors to come in and repair [more...]

Date: 2008-10-03 11:47:00

If Only Central Bankers Would Hit Bottom

I'm told that alcoholics and addicts have to hit bottom before they are able to renounce their self destructive ways. Ironically, their personal collapse makes them more capable of change than scientists, who, according to Thomas Kuhn in his landmark, The Structure of Scientific Revolutions, [more...]

Date: 2008-08-22 09:37:12

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

A New Fad that I would like to start instead of just being ashamed.

The day of the Florida /LSU football game, as me and my buddy were leaving the hotel parking lot to go to the tailgate, ... that need to go to college someday and it has become my duty to help them with that. I owe MY lawyer and I owe my EX-WIFE'S lawyer. I also have a substantial amount of Alimony and Child support every month [more...]

Date: 2009-01-16 03:12:00

Secrets to Effective Complaining

With the economy in the doldrums, it makes sense to stretch every dollar to the max. So what do you do when a product or service you spent your good money on is a disappointment? You’ve done everything you can to make extra money and now it’s being spent on something that isn’t performing [more...]

Date: 2009-01-02 06:10:13

LCSLeads

If you work in the credit industry, having top quality leads at your disposal can make all the difference in this day and age. If you are tired of wasting your time, energy and money with stale leads that are not getting you anywhere, then know that you are not alone in this respect. Finding the right credit repair leads can really make all the difference when it comes to your business goals. [more...]

Date: 2009-09-23 05:08:23

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

When Frugality Isn’t Enough

The following guest post is from Trent Hamm of The Simple Dollar. I’ve been a fan of Frugal Dad for quite a while ... high school (drug use, mostly) that left him with a poor local reputation, a poor credit history ... - the power company doesn’t tolerate him being late even a day on his bill because of his poor credit [more...]

Date: 2008-09-16 11:00:37

HERE’S MUD IN YOUR EYE, LIBERALS

Conservatives are seeing the same thing in Ignatieff’s recent actions as I am. It isn’t enough for the Liberals to finally vote against the government, even if it doesn’t lead to an election. It isn’t enough for Layton and the NDP to reverse field and support the government, not if the NDP has a rationale for its action, and not if the NDP is gets credit in some quarters for having made the right decision for Canadians. [more...]

Date: 2009-09-18 17:49:22

A Lightning Bolt Struck a Housing Bubble...

...and created financial dinosaurs. Who believed this would happen? Me, for one, and Peter Schiff. (However, if Schiff envisioned a time frame for the collapse, I had no clue about such a steep slide happening so quickly. However, by the time that I received the news that my hours were to be cut, I was not surprised at all.) [more...]

Date: 2009-01-04 02:32:01

Human Ingenuity at the World Wind Energy Summit

By Kathryn Cooper Whether at the local, national or global level, the plan for a switch to renewable energy involves two crucial pieces: policy and technology. As I discussed in my previous post, many of the discussions at last month's 7th Annual World Wind Energy Conference focused on the need – and best-practice [more...]

Date: 2008-07-19 23:05:00

I'm Joe the Plumber (Part II) "It's the socialism, stupid!"

Here's a new ad from the McCain campaign: And here's my story. You see, I really am Joe the Plumber, too... Hi, my name is Doug the welder ... business, and Joe isn’t quite there yet, the “dream” or goal of independence and self-reliance continues. Having started our small business with my wife during the recession of the late Eighties/early [more...]

Date: 2008-10-23 13:50:50

FICTION - BIONIC BOYFRIEND - AMOR PRIMO

           "Last call for flight 714 with non stop service to Las Vegas," the voice of the effeminate flight attendant crackled over the sound system.     With a sigh Twenty-one year old Justus Montgomery lifted his satchel and laptop case, swinging them both over his shoulder. "Well," he swallowed hard. "I guess this is it [more...]

Date: 2009-01-17 06:48:50

The blog that saved Christmas

This is great:But in June, Daniel got sick. After several tests, ... . As a new employee of Bank of America, he had not accrued enough paid time off to keep his job as a credit ... we received that letter, it was like, 'Oh my God, what are we going to do?' " Daniel Sampson said [more...]

Date: 2008-12-26 19:50:00

Tips About Credit Repair

By Mike Carbeck Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair ... contacting an agency for help follow the steps below and you may be surprised at the results. Repairing credit on a do-it-yourself basis takes time, patience and dedication. Your first step [more...]

Date: 2009-01-09 08:16:32

11 July SWJ News, Op-Ed, and Events Roundup

IRAQ Turks Visit, Regional Warming Trend - Tavernese and Robertson, New York Times Turkey’s prime minister visited Baghdad on Thursday, only the second foreign head of a neighboring state to visit Iraq since the American invasion. The visit of Prime Minister Recep Tayyip Erdogan came during a flurry of announcements from Arab countries - including [more...]

Date: 2008-07-11 00:34:15

Lewis and Einhorn - repairing the financial world

Michael Lewis's Portfolio.com essay remains best summary to date of the Collapse of '08. Today he returns, joined by David Einhorn, with a prescription for change published in the NYT OpEd page. It's an extraordinarily long editorial, here I excerpt the key ideas. Emphases mine. The End of the Financial World as We Know It - NYTimes [more...]

Date: 2009-01-04 04:54:29

Balls to 2009

Okay, nth time lucky. Hopefully I'll finish this bastard Balls to 2009 post this time ... As We Know It and How to Repair a Broken Financial World, well good on you. The recommendations in the latter article ... . Of course to take the piss out the ratings agencies. And why are Credit Default Swaps still legal [more...]

Date: 2009-01-17 03:20:00

The Total Money Makeover A Proven Plan for Financial Fitness

The Total Money Makeover A Proven Plan for Financial Fitness The success stories speak for themselves in this book from money maestro Dave ... what you make, Throw away your credit cards, Don’t trust any loan consolidation, Car loans are a joke ... are a risky Rent-to-own stores are scams Get Rich Quick schemes are scams Don’t loan [more...]

Date: 2009-01-09 21:03:16

Govenor’s Speech

One hundred seventy three years ago farmers, businessmen, and lawyers from across Vermont met here for the 1836 session of the General Assembly. Among them, a minister and headmaster of the Orleans County Grammar School took his seat as the member from Brownington. Alexander Twilight was a pioneer [more...]

Date: 2009-01-08 02:13:58

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