Broke & Stupid?
Are you broke? Seriously? Be honest!!! If you missed one paycheck–would you be crippled financially? How about if you missed two? ... of us are in debt up to our eyeballs…are you… Upside down in a car (owe more on it than it is actually worth?) Sitting on financed furniture? Making minimum payments on credit cards & telling yourself that you’ll [more...]
Date: 2008-10-01 11:26:36
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Lessons Learned From Losing a Quarter Million Dollars
About the author: This guest article is presented by Debtkid, who recently begun working part-time for LendingClub ... that day, I made over $15,000 in a few hours with my laptop. I was 22 years old. Too bad I was already ... first with stocks, then options, then currencies. I gained access to capital from credit cards, personal [more...]
Date: 2008-11-26 12:30:53
Mortgage Market Week in Review
Well, here we are on Friday again. Are you getting motion sickness from all of the news and rumors that are flying back and forth? ... credit, but at least good credit, 3) sufficient verifiable income to support the loan request ... about today: The Bailout/Rescue Plan, some very weak economic reports, the credit markets and do bankers [more...]
Date: 2008-10-03 18:26:32
Get Money Quickly With Online Payday Advances
by Rose Martin Payday advances have helped millions of people get the cash that they need in a small amount of time. When people are looking to get something in a hurry, the typically tend to turn to the internet. Especially if you need money in a rush, you should make sure that you get online to get an advance first. Here are the ways that you too can benefit from a payday advance. The money that you get from a loan company needs to be paid within about two week’s time. [more...]
Date: 2009-09-29 20:53:06
Preparedness Tuesday: Job Loss Budgeting
It's Preparedness Tuesday - each Tuesday I post one thing you can do to help prepare you and your family for everyday disasters - be it job loss, ... you place them in order of priority. All SECURED debt such as mortgages and car loans need to be at the top ... bad weather (between being stuck in the middle of hurricane season, and the coming colder winter [more...]
Date: 2008-12-30 22:26:00
Should You Walk Away From Your Home?
(source) Despite the struggle, most responsible homeowners don’t think twice about whether they should make the mortgage payment each month ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight ... a shot at a loan modification, when you can just take the “Free Housing For Six Months Package” [more...]
Date: 2008-12-03 22:29:29
Gambling on Credit
Like buying a house, credit cards at one time were rewarded to those who were able to pay interest on the loans they represent ... qualification to sub-prime lending. When we became bombarded by constant pleas to take another credit card ... pay off their credit cards. They're rolling them from one month to the next and that's a bad sign [more...]
Date: 2009-01-04 20:30:00
Fast Access To Monetary Relief For Non Homeowners
by katie George For a homeowner, there is nothing to worry while availing loans. However this is not the same for tenants as well as homeowners ... with bad credit problems. Al though the interest charged will be relatively higher than the normal rates ... can get the required finances by opting for other alternatives in the form of instant tenant loans. [more...]
Date: 2009-01-01 10:46:23
FHA chatter; News from MERS, Wells, Flagstar; Home price index not as bad as feared
As my grandfather used to say, “If you find yourself in a hole, the first thing to do is stop digging.”* Apparently the folks at Sunwest Bank , out of Tustin, CA, felt the same way. Clients received a letter saying, “I regret to inform you that as of October 2, 2009, Sunwest Bank will be suspending its mortgage banking operations. [more...]
Date: 2009-09-29 19:04:07
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
Want to come upstairs and see my credit score?
When should you do it? On the third date? After meeting her parents? Half-way through the first date? When it just feels right? ... . But unlike family ties, it can be nearly impossible to sever yourself from bad credit. This column ... significant other about his or her credit score probably makes you squeamish, but it’s a subject [more...]
Date: 2008-08-19 10:00:00
Being Aware Of The Catches In Loans
Taking a loan is not like going on an expedition to the North Pole 200 years ago, when one did not know if one would ever get back alive. [ ... URL=http://www.badcreditloanservices.com/bad-credit-personal-loans.html Loans /URL certainly ... . If your responsibility is clear, your security, be it home, car, or other collateral will not be lost. Another way [more...]
Date: 2008-12-30 18:42:13
Troubling Signs From Fed's Jackson Hole Conference
It's hard to discern what took place in a closed-door session at a remove, ... U.S. mountainside symposium today with a sense there's not much more they can do to repair credit ... of transparency; bad incentives; the central, problematic role of conflict-ridden rating agencies [more...]
Date: 2008-09-01 08:39:56
The First To Fall And The Last To Rise
The Manteca Bulletin reports from California. “In the go-go days of stratospheric housing price increases some newer neighborhoods - such as Woodward Park, Diamond Oaks, and Villa Ticino - were seeing prices jump as much as $5,000 a month. Now those neighborhoods have returned back to earth as closed deals so far this month signal that banks are [more...]
Date: 2008-10-11 18:59:11
The Democrat Comic Opera
By Alan CarubaThe Democrats have lusted for total power for eight long years since the departure of Bill (the meaning of 'is') ... to throw billions at the credit liquidity problems brought on by Democrat “social justice” programs that actually required banks and lending institutions to make bad loans to people who could not pay [more...]
Date: 2009-01-06 21:54:00
Auto Refinancing Loan – Tips For Getting A Cheaper One
Current economic situation is forcing several car borrowers start thinking about refinancing their vehicles, ... . If you are one of those interested in getting the best auto refinancing loan possible, then keep reading ... to offer lower interest rates on your application. Having Less Than Perfect Credit While you can find [more...]
Date: 2009-01-02 12:40:11
Bail Me, Stimulate Me
In a week that signaled much worse is coming, perhaps the more dismal indication on the financial front was that Democrats finally had a chance to ... the kind of behavior that got us here: more bad loans to the wrong people won't en our crisis; they make ... . If that sounds bad, it shouldn't; this week's debate on TARP had essentially the same contours [more...]
Date: 2009-01-16 20:24:10
Recession? Depression? How Deep, How Far and What Can Be Done?
By Joshua Holland, AlterNet. Posted October 11, 2008. A survey of what some of the best thinkers believe we’re facing in the coming months and years — and the best ways to prevent complete disaster. As the financial crisis gains steam, moving from overextended American households to global banking giants, fear of a major crash is spreading [more...]
Date: 2008-10-12 14:39:21
People Who Were Well Off Are Feeling Nervous
The Princeton Packet reports from New Jersey. “Mercer County’s more affluent communities, including Princeton and West Windsor, have experienced an increase in foreclosure notices during the past year, according to an analysis by The Packet. Both towns have seen a tripling of initial notifications of foreclosure proceedings, year over year [more...]
Date: 2008-09-01 15:41:01
The Bailout Busts - What’s Next for Americans
Lord, have mercy. I look at the news in the morning and am shocked & appalled only to receive some fresh, ... in their largest one-day point drop ever. Credit markets, whose turmoil helped feed the stock market’s angst, froze up further amid the growing belief that the country is headed into a spreading credit [more...]
Date: 2008-09-29 23:41:12
Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan
Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]
Date: 2009-09-29 11:54:49
Some Useful Tips on Securing A Good Value Personal Loan
by katie George Be sure to ask for quotes not only from your current bank or any other nearby, but also from other finance companies, ... to find convenient low-rated unsecured or bad credit loans, the chances of that are very small ... your credit history is, it may be very difficult to find unsecured loans, as most lenders will impose [more...]
Date: 2009-01-03 10:38:27
Some Useful Tips on Securing A Good Value Personal Loan
by katie George Be sure to ask for quotes not only from your current bank or any other nearby, but also from other finance companies, ... to find convenient low-rated unsecured or bad credit loans, the chances of that are very small ... your credit history is, it may be very difficult to find unsecured loans, as most lenders will impose [more...]
Date: 2009-01-04 11:46:48
1-17-2009 (Sat Afternoon) Fin. & Econ. Activity
At least 21,000 jobs were targeted for elimination yesterday as employers from Hertz Global Holdings Inc. to Advanced Micro Devices Inc ... -parts division. Hertz, the second-largest U.S. rental-car company, said it will cut more than 4,000 jobs ... by trading losses on mortgage bonds, the bank faces credit-card losses that surged to a record [more...]
Date: 2009-01-17 18:27:49
Things You Need to Know Before Raising a Private Loan
Things You Need to Know Before Raising a Private Loan by Martin ElmerA personal loan (consumer loan, private loan) could be an option, if you are short on money. But before you are raising a loan, you better learn about concepts like security, fees and interest rates.A personal loan is defined as a loan rose by an individual. Normally it is raised to buy something (like a vacation or a television). But it can also be used to pay of other dept. [more...]
Date: 2009-09-30 11:41:02
Bridges
In mid-July in the United States we crossed a psychological river. Here's why:It became common to see $4.00 per gallon gasoline at the pumps ... credit can not long stand. When Harry swiped his Discover card to buy the gas for the Jimmy ... out their credit card statements, their mortgage note and second mortgage (that they got the great [more...]
Date: 2008-12-17 22:33:00
Bush’s Speech On The Bailout Tonight
Reprinted in full… THE PRESIDENT: Good evening. This is an extraordinary period for America’s economy ... . As uncertainty has grown, many banks have restricted lending. Credit markets have frozen. And families ... credit. As a result, our entire economy is in danger. So I’ve proposed that the federal government [more...]
Date: 2008-09-25 02:38:52
Financial Clarity: The First Step to Eliminating Debt
We hear about it all the time on the news, the economy is in a downturn, a slump, a recession, a depression. Job lost is at an all time high ... credit card debt, student loans, car loans, and the money you borrowed from Uncle Charlie last year ... . People are losing their homes. People are scared. Just writing about it makes me feel scared. Oh [more...]
Date: 2009-01-08 02:07:51
The Homeowners Know The Truth In California
The Sacramento Bee reports from California. “California’s free-falling home prices sparked a fourth straight month of year-over-year sales gains ... a record 40.3 percent from July 2007, CAR reported. ‘Deeply discounted, distressed sales continue to drive volume in many regions of the state,’ CAR President William E. Brown said in a statement.” [more...]
Date: 2008-08-26 20:18:43
Meet a self-described “bank terrorist”
Revolting (h/t: Moonbattery): Bruce Marks, founder of the leftist Neighborhood Assistance Corp ... “easy lending.” Listen to NACA’s pitch: “Come to NACA, and regardless of how bad your credit ... , while increasing the number of mortgages it restructures by lowering interest rates and extending loan [more...]
Date: 2008-11-20 23:53:27
Emotional, financial and legal advice on surviving redundancy
Keep calm Remember you're not alone Redundancy can be a devastating, sometimes brutal, experience but it's not your fault ... the credit crunch in your own backyard," says Phillip Hodson, a fellow of the British Association ... way as due to the western economic cycle, the bastard in charge of hiring and firing, or bad luck [more...]
Date: 2009-01-08 14:45:20
My Frugal Story by Green Panda
The following is a guest post by Green Panda of Green Panda Treehouse. If you like this post, consider subscribing to her RSS feed ... financial mistake was getting a auto loan for my current vehicle. I had one car loan before but got ... a nominal amount for rent at my mom’s place. I got a credit card in college and like many of my friends [more...]
Date: 2008-09-02 11:00:16
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
New foreclosures dip, but delinquencies rise
There are two arguably positive stats in a government report today: Foreclosure starts dipped 2.6% in the third quarter vs. the second quarter ... , in subprime loans going bad. This report seems to refute those conclusions. (On the other hand ... million first lien mortgage loans, or roughly 60 percent of all mortgages outstanding, from nine big [more...]
Date: 2008-12-23 01:07:30
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
how to judge compensation
When you’re a recent graduate looking for a new job, you’re going to be chasing the highest salary ... all, there’s student loan debt, the need for a new wardrobe, a car that runs without sounding ... just having enough left over to pay down your student loans a little faster. Money can make a big [more...]
Date: 2009-01-02 12:00:46
Double mortgage deductability! Good idea?
Your blogger’s job — despite what some of you think — is to simply toss out facts and ideas to ... Party.” “How about a double deduction on the car loans, limited to the US (or NAFTA) content of the car ... and what-nots for late or missed payments on their (credit cards,) John Q will never get out of [more...]
Date: 2008-11-18 04:00:52
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
In defense of borrowing short and lending long
Maturity mismatch is taking something of a beating in the comments, including from smart people like former co-blogger Winterspeak ... . A wheelbarrow is simpler than a car. It is less likely to break, and less expensive to fix when it does break. But I would still rather have a car to do my shopping. So what are the reasons [more...]
Date: 2008-09-23 23:16:20
Mortgage Rates, Scary Jobs Details, Investing in 2009, Russian Gas Dispute, and More!
by Addison Wiggin & Ian Mathias Mortgage rates plunge to record lows… but are they at the bottom? ... of the credit crisis. “That’s bad,” Byron King somberly explains. “We already have an aging work force ... to 2009… how to invest amid rife market manipulation If you’ve got money, credit and patience [more...]
Date: 2009-01-08 01:36:29
Toyota: Credit Not Responsible For Current Sales Slump, But Please Hurry Up And Fix! [Toyota Sales]
Jim Lentz, Toyota's US sales chief, told the Detroit News yesterday that consumer financing isn't their challenge right now; rather, ... are postponing car purchases. Dealers across the country are singing a similar tune, saying that well-qualified buyers can still get financing, but continuing bad economic news is keeping buyers [more...]
Date: 2008-10-10 14:00:00
Unforeseen Repercussions All Around In Florida
The Palm Beach Post reports from Florida. “Here in the eye of the nation’s financial storm, the Fed sits motionless, ... plenty of money’ in an equity loan.” “Silver said she wishes the Fed would cut rates and lenders would relax loan standards to boost home sales. But she is not optimistic for the short term. No matter [more...]
Date: 2008-08-07 14:10:02
The drug dealers are running the detox centers
One of the great things about blogs is that the material never goes away - it just stays there for years and years in searchable form so that, ... but without the requisite good credit, downpayment, or a job. Fast forward a few years (through ... /police car and the former lenders now bill themselves as consumer advocates. Hey, you gotta make [more...]
Date: 2008-07-10 22:23:00
Gates of Vienna News Feed 10/14/2008
A significant news story this evening: after a year, the murder of those teenage girls in Texas has officially been termed an “honor killing” by the FBI. Needless to say, the Muslim lobby is not happy about this.Also, a Swiss government minister says her country needs to import more foreign workers.Thanks to Abu Elvis, C [more...]
Date: 2008-10-15 03:29:00
The Coming Great Depression
Martin Armstrong: The Coming Great Depression It is frustrating to read so many comparisons of our current situation with 1929 while watching ... may signal a recession, but the collapse in debt signals a Depression. This Depression was set ... and shifted spending that created jobs into the banks as interest on things like credit cards [more...]
Date: 2009-01-08 03:55:35
Breaking Down the Detroit 3 Bailout Plans
Yesterday, GM, Ford and Chrysler released official plans to Congress in hopes of securing federally backed loans to survive ... car sales. 22 of 24 new models between 2009 and 2012 will be cars or crossovers. Meaning ... all corporate jet operations. Reduces total dealers by 1,750 by 2012. Reduces engine sizes: “Eight [more...]
Date: 2008-12-03 17:36:09
Thomas Friedman: Economy to be Number One Election Issue
Although it's probably obvious to readers of this blog that the economy is going to become a bigger and bigger issue as the election approaches, campaign strategies often are not as responsive to changes on the ground as one might imagine. Perhaps the most stunning example was a comment in the Financial Times on Friday by Grover Norquist, " [more...]
Date: 2008-06-29 06:43:12
Deal Journal] Bottom Feeding: Banco Santander of Spain is in advanced talks to take full control of Sovereign Bancorp, ... the credit crisis? Look to a measure called Value at Risk, or VaR, explains Gordon Crovitz. WSJ ... a program to buy mortgage-backed securities. The United Arab Emirates will guarantee domestic bank [more...]
Date: 2008-10-10 14:10:24
Another Reason for Cash Hoarding: Big Credit Default Swaps Market Test Imminent
Most observers have taken as a given that the increased disinclination of banks to lend to each other is counterparty risk, that is, ... have said that financial firms are unwilling to provide loans to each other because they know how bad ... to a Financial Times piece that discusses the upcoming settlement of credit default swap payouts [more...]
Date: 2008-10-03 04:35:15
GLOBALISATION AND ITS IMPACT ON WALES
Polish road signs are now a common sight all over Our CountryRight I am going to do something a little different with what may be the penultimate post of the year.But before I start it, I would like to give a public thank you to Ancient Brit who provided me with the information I will be publishing [more...]
Date: 2008-12-31 08:52:00
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