Sales are down, but not hideous

I know this was intended to be another doom-and-gloom story, but a drop of 2% to 4% from last year (excluding car and gas sales) ... sales paid for by credit card, checks and cash — retail sales fell between 5.5 percent and 8 percent ... doesn't sounds that bad. Am I missing something? What I'm also wondering is, with so many things [more...]

Date: 2008-12-26 21:45:00

Blog posts (191) | Videos (225)
 

Horse-race-loving former police chief winds up behind bars

Frank Kessler, former Garden Grove police chief, councilman and mayor, and his wife were arrested Wednesday on suspicion of financial misdeeds, ... and personal loans with a city-issued credit card. They were named in a 21-count district attorney ... , grand theft and writing tens of thousands of dollars worth of bad checks. She was being held in lieu [more...]

Date: 2008-12-18 19:55:29

No economic news, but Lots of investor updates

The rates are great – jump on in!  Remember that next-to-0% short term Treasury rates are helping many ARM loans reset to lower rates ... but not limited to processing a loan application, ordering appraisals and/or credit reports ... . How are we looking in terms of ARM re-sets for 2009? Well, not too bad! Check out the websites [more...]

Date: 2008-12-22 17:23:40

One-Stop Shopping Calamity

The news that Citigroup is considering selling half its Smith Barney brokerage unit to Morgan Stanley is seen as evidence that Sandy Weill's plan for ... from one financial institution. Credit cards, checking accounts, mortgages, brokerage services ... a one-stop financial shop is officially dead. But the financial supermarket is the bad idea [more...]

Date: 2009-01-12 18:00:00

10 Tips on Using your Credit Card Wisely

This is a guest post by Andy over at Retire at 40. Check out his great blog and subscribe to his RSS feed here. I’ll admit it. I’m a credit card user. I use it a lot, not everyday, but a lot. Am I wrong? Am I a bad person ... ways why you’re not an automatically bad person if you use a credit card but you must follow them [more...]

Date: 2008-12-25 03:49:57

Good Banks, Bad Banks

Check out this turn of events: JP Morgan Chase is stepping up to offer $400, ... . The bank’s offer comes on the heels of Bank of America’s pledge to also make a loan to Republic ... its credit. From Reuters: The worker sit-in that began on Friday has become a symbol of Main Street [more...]

Date: 2008-12-10 22:04:02

Payday loan, emergency cash money

Applying for a loan and getting it in your hands has a lot of gap in between ... salary should be above £1,000 per month - You should have a current checking bank account ... , depending on your income. The repayment term is usually a week to a month. If you have a bad credit [more...]

Date: 2009-01-03 00:33:35

Get Out of Debt in 2009

The new year is here and many of you have new year’s resolutions on your mind. You may be motivated to change bad habits in your life, complete projects that you started long ... one of your financial goals this year? If so, make sure you check out No Credit Needed a great personal finance blog [more...]

Date: 2009-01-06 12:55:20

Never Give Up! - Funny Pics, Part 9

"QUANTUM SHOT" #465 link See the whole "Never Give Up! Lords of the Logistics" series here!. When life gives you lemons.. ... are they for? - (images credit: Thomas Kalak) Also check out his illustrated book "Thailand - Same same ... for the workout: No crossing the road for these chickens: Parents come up with (bad) solutions [more...]

Date: 2008-08-24 10:33:30

Pancake City Online Buying Guide

I don’t understand the yearly rush of shoppers on Black Friday ... in Google or check out an aggregator like RetailMeNot. Credit card sites sometimes have coupons around ... and for the next few months because the economy is so bad. Retailers are going to be forced to slash [more...]

Date: 2008-12-05 04:13:08

Finding County Marriage Licenses

by Jason Voxly Maybe you are dating someone and think they are hiding something ... the system. You do have to be careful and check into the companies before giving them your credit card ... with a legit company. It is a rare situation that you will receive bad information [more...]

Date: 2009-01-17 22:43:42

2008 Goals Review and Preparing for the New Year

One year ago, I listed my goals for 2008. Here’s a review of my list from last year. Pay off all Credit card debt - Failed! ... in my primary checking account, which helps make budgeting easier and can serve as an emergency fund if needed. Earn $20,000 (gross) from side businesses - Not bad. I didn’t make it to $20,000 [more...]

Date: 2009-01-06 22:33:00

Watch Out for Possible Credit Card Scams

I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... card. Bad Photography A lady paid by using my Visa Check Card, and the young man behind ... will be so much better. Currently in the United States, the credit card companies take the burden off [more...]

Date: 2008-10-30 15:25:07

Is Making 100K in One Day Selling Real Estate Guru Product Bad for Business?

That depends. Who is the speaker? What is the product? Was it done in a pitch-fest? ... about their beautiful spouse and kids or need to see pictures of them in front of their 60K car? “Selling ... ! (But first they “qualify you” by checking to see how much money you have on your credit cards!) YIKES [more...]

Date: 2008-10-14 20:58:43

Pulling it Together in 2 Days & Racism Check

I rallied together my resources and since I had been working more than making social networks while here, I had to basically start from scratch, ... who have been complete con artists and "bad" from beginning to end, and I actually gave them credit because I thought [more...]

Date: 2009-01-17 05:06:00

How to Replace Bad Financial Habits With Good Ones

This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]

Date: 2009-01-14 13:00:09

Obama, McCain: Cautious in econ-crisis

by Mark Silva Count both Barack Obama and John McCain, the candidates for president, ... for banks and other financial institutions holding bad mortgage debts that are "clogging'' the system and threatening a farther-reaching credit calamity. "I don't think it can be a blank check [more...]

Date: 2008-09-22 00:52:05

Morning Update (Scott Pioli Decision Day? Edition)

Make sure you keep checking back here, especially early this week ... about the Chiefs' Super Bowl win. The $25 million tax credit proposal that encouraged the Chiefs to move ... coach. Goes to show you just how bad a job Oakland is. Despite losing to the Pittsburgh Steelers [more...]

Date: 2009-01-12 11:36:42

Mayor Nasser Pangandaman Jr. (DAR chief’s son) Mauled A Father & Son at Valley Golf and Country Club

This blog post will be updated regularly for links to interesting blog posts and news Check out the Online Petition for Pangandamans’ Resignation ( ... And he tells me that my brother has a bad attitude and that I need to watch him. WHAT THE HELL ... to you too. (Photo credit to abs-cbnnews.com video) Basing it on Bambee’s first person [more...]

Date: 2008-12-27 09:10:03

If you thought social conservatives were out of power....

... check the offices of your local prosecutors, where a new cottage industry seems to be ginning up non-existent sex crimes ... politicians can make a name for themselves. Consider the case of Greg Soucia. Greg is clearly a bad boy ... got hold of him....Mr. Soucia was a thief: more precisely he stole a credit card. And, as a result [more...]

Date: 2009-01-09 16:01:00

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

Marriage and Careers in a Bad Economy - September in Review

September started off kind of slow but ended up a crazy month! Let’s hope we don’t see many more months like it in the future ... for married couples, joint checking accounts for couples, and budgeting for newlyweds. Career Tips ... of the financial markets and the credit crunch that captured the attention of the country and hi-jacked [more...]

Date: 2008-10-05 13:30:15

Treasury Check Kiting Latest Bush Debacle

President Bush has done an excellent job defending the US ... with no accountability wasn’t bad enough, now they’re pumping $6 billion into just above subprime auto loans: GMAC ... 7 years now.  For this, he deserves a great deal of credit.  But for all that, his domestic policy [more...]

Date: 2008-12-31 03:35:22

International Phone Cards How Did We Survive Without Them?

Cheap phone cards are available for just about every country in the world, here are a few examples: Afghanistan Armenia Belgium Botswana British Indian Ocean Territory Central African Republic Chile Cook Islands Cyprus Dominican Republic Ethiopia French Southern Territories Gibraltar Guinea-Bissau India Italy Kiribati KuwaitLiberia} Luxembourg Maldives Mauritius Monaco Namibia Nicaragua Pakistan Paraguay Reunion Saint Lucia San Marino Slovakia Spain Svalbard and Jan Mayen Tanzania (United [more...]

Date: 2009-09-30 04:39:12

'The Hills': Kristin suddenly has a penchant for scruff, combat boots

Well, we're only one episode of Kristin Cavallari-centric "Hills" deep, and I already miss Lauren Conrad.  Which is odd, I know, because let's face it -- Lauren wasn't adding a whole bunch to the show toward the end of last season, complacently sifting through clothes racks at People's Revolution and constantly being forced into awkward situations with frenemy Heidi.  But there was something about Lauren's calm demeanor and subtle eye rolls that endeared her to me. [more...]

Date: 2009-09-30 05:14:48

Deciding Who Should Be In Charge

In the 2008 primaries, when all was said and done, you could say the Republicans simply settled for John McCain as their candidate, by default. Giuliani was a bust – beyond his 9/11 shtick there was nothing there, and he was from New York City, which would never play that well in the south, along with being in his third marriage after two messy divorces, and one of his former wives being a cousin. The evangelical right really didn’t want to have to deal with that. [more...]

Date: 2009-09-30 06:28:40

'The Good Wife': They're called exotic dancers, OK?

Let’s face it: "The Good Wife" is a little bipolar.  It’s a show about a publicly humiliated politician’s wife ... who is also a hungry junior associate at a prestigious Chicago law firm!   The challenge of this show is always going to be tying these two plot lines together cohesively. So far, the show has bridged the gap between these two worlds pretty effectively, if only because Alicia’s cases are suspiciously close to her husband’s sphere of influence. [more...]

Date: 2009-09-30 14:11:21

How To Find The Cheapest Auto Insurance!

One of the most important things to do when looking for cheap car insurance is to take some time to compare offerings by several insurance companies.Everyone wants to know which insurance company is cheaper than everyone else, if this were the case; it would probably only one there. The truth of the matter is that there is no such thing “cheapest.” Thus, while a friend may pay a lower rate with your provider, this does not necessarily mean that they can provide lower rates for others. [more...]

Date: 2009-09-29 23:11:10

Always Use Caution When Using 0% APR Credit Card Offers

Amazon.de Widgets There is nothing wrong with chasing offers of 0% credit cards, in fact many people have benefited greatly from doing just that, but did you honestly expect the credit card companies to allow this card jumping to continue indefinitely?Offers of 0% credit cards have been around for quite a few years now; they are a successful marketing ploy by the credit card industry aimed at stealing customers from competitors and were an overnight success with a public that was fed up of paying [more...]

Date: 2009-09-30 22:17:04

Distressed For Sale

While buying and selling regular homes might provide you with a limited profit margin, it is in buying distressed homes, rehabbing them and then selling them off, which can provide you with a very high margin. This specialized niche will require you to develop an extensive network of information of sellers and buyers and thorough legal knowledge to ensure that you do not get stuck with a desirable property at an undesirable rate or get caught in a legal wrangle after you have purchased it. [more...]

Date: 2009-09-30 10:22:22

Why Financing the RV Purchase Is Sensible

by Stephen Daniels Cash is king, and so, notably in these times, conserving money for emergencies and extra unanticipated expenses makes good judgment. Paying cash for the possession of an RV depletes currency that may well be desired later on. That is why financing the possession of an RV is the way to go, above all in these days of low interest rates. Using cash to get an RV turns that cash into an “illiquid investment,” not speedily on hand if and when the cash is needed. [more...]

Date: 2009-09-30 05:44:49

Mistake #5: Blending In

Okay, so maybe you don’t want to wear Technicolor socks, but if you’ve ever walked into a business meeting without a smile and a handshake, this post is for you. This post is the fifth in the series 8 Mistakes Men Don’t Make . Blending in at the outset can ensure that no one takes you seriously when you’re ready to be heard. But I’ll let you in on a secret: men make them too, especially this one. Banish Passive Introductions  A powerful introduction is audible, direct, and confident. [more...]

Date: 2009-09-30 16:20:13

Learn More About Selling Foreclosed Homes To Generate Income Today

Have you ever wondered how to make money selling foreclosures . It’s easier than you think. We have compiled hundreds of useful tip and tricks that could make you rich. Enjoy instant access and a 7 day trial. Stop breaking your back working way to hard for your monthly income. Start breaking the bank and sell foreclosed properties. There is now a NEW way to make money in foreclosures, which is totally different. First, you do NOT need any money to get started. [more...]

Date: 2009-09-29 21:36:07

The Way Too Long Review for WWE: Hell in a Cell

Given the pay-per-view this weekend, this seemed like a good idea to post.  I actually wonder how many people will just click the link, thinking that we have TV taping results for the show. And you can check out my preview of Hell in a Cell, the Pay Per View, Wednesday on the TWP Pass, which you can find at thewrestlingpress.com or off the i-Tunes store. Mick Foley hosts the bumpers and says nothing of note. DISC ONE Match #1: Hell in a Cell Shawn Michaels vs. [more...]

Date: 2009-09-30 10:00:41

Restore Your FICO Score – Part Three

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other ways that you can quickly see a big jump in your score. After you have the collections on your account either settled or verified, double check to make sure that they were removed from your credit report. [more...]

Date: 2009-09-29 23:17:33

The Bank Short Sale – The Best Way Out Of Foreclosure?

by Anthony Mauwer A bank short sale is not the only choice we have to avoid foreclosure – but it is definitely better than some of the other possibilities. If a homeowner is already in this situation, they are already dealing with intense financial anxiety from every angle. If approved for a bank short sale, much of this stress will be alleviated because they’ll be in a great position to purchase another home. [more...]

Date: 2009-09-30 19:33:42

Fixing Credit Report - The Good… The Bad… And The Truth

by Tim Beachum Obviously you are interested in the topic of fixing credit. No matter what your reasons are for wanting to repair your credit, the benefits are well worth it. Depending on your situation you can lower your monthly bills, open a bank account, get better rates on loans, the possibilities are endless. Before I begin explaining the fixing credit process, I feel it is important that you have the right mindset before we begin. [more...]

Date: 2009-09-30 08:14:45

Credit Repair! You May Have A Bad Credit Rating And Not Even Know It

When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mis management of our finance s, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 1% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities. [more...]

Date: 2009-09-30 14:31:03

Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!

Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga… Even the IMF needs a loan… $150 billion to back ... advice… with S&P 500 price targets… Plus, Russia-Ukraine gas dispute not yet over… a reader ... predicted today. According to Morgan’s report, profits at HSBC will decline “sharply” this year [more...]

Date: 2009-01-16 15:28:24

Best Mortgage Refinancing Rates

When a homeowner refinances, they always want the best mortgage refinance rates possible. Getting the absolute lowest rates will save a homeowner a lot of money. Here is some help for homeowners who want the best mortgage refinancing rates available. See If You Qualify…….! Know The Current Average Mortgage Rates Newspapers, television programs, and the internet have daily reports on what the average interest rates are for a mortgage refinance . [more...]

Date: 2009-09-30 05:44:48

Best Mortgage Refinancing Rates

When a homeowner refinances, they always want the best mortgage refinance rates possible. Getting the absolute lowest rates will save a homeowner a lot of money. Here is some help for homeowners who want the best mortgage refinancing rates available. See If You Qualify…….! Know The Current Average Mortgage Rates Newspapers, television programs, and the internet have daily reports on what the average interest rates are for a mortgage refinance . [more...]

Date: 2009-09-30 05:34:57

How to Write a Resume That Will Land an Interview

Many people haven’t looked at their resume in years; they haven’t needed to. But in 2009’s collapsed economy, jobs are shaking out like coins from a piggy bank. If you’ve been laid off or you’re worried you might be, blow the dust off your old resume and bring it back to life. Whether you are just updating or starting from scratch ( [more...]

Date: 2009-01-14 17:10:41

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

The Psychology Of Gambling

Check out my Big RSS Subscriber Contest after reading this article. This might seem like an odd post for this blog, but stick with me for a bit. Over the last couple of days, I’ve read some stories about people in positions of some type of authority that have been caught stealing money from their organizations and using that money to support [more...]

Date: 2009-01-17 19:44:58

Busting the Ghosts of Hope

Expectations for Barack Obama’s presidency have continued to soar since his historic election. Millions believe change is possible. But what kind of change? And to whose benefit? Our country and our world are in crisis, and the tepid, incremental reforms Obama has been emphasizing aren’t going to cut it. It’s time to think outside the box [more...]

Date: 2009-01-16 16:44:52

One Sad Turtle

When I walked into Chez Oskar for a date with a librarian I was expecting an interesting evening that may or may not go somewhere. I have often been told my expectations are too high.    I take full responsibility for the evening. I met him on Craig’s List, where I swear, from now on I will only shop for sofas and kitchen appliances, not men [more...]

Date: 2009-01-18 00:36:04

Obama’s Blunders

Obama is looking pretty weak and without convictions before even being sworn in. The biggest concern I think every one has ( ... projected a lot of hopes and wishes (and fantasies). His handling of the Blagojevich incident was a bad ... the $3,000-per-job credit last week as one of five individual and business tax incentives aimed at winning [more...]

Date: 2009-01-15 13:23:57

Labour List - a warning to all potential contributors

During a previous conversation, LabourList.org founder and controller Derek Draper suggested that I share with the class the our entire email ... without credit and the apparent pretence of spontaneous submission, because he deleted the version ... creative material without credit? Are you really pretending to receive submissions from the general [more...]

Date: 2009-01-16 14:57:16

Fed and BOE Shell Games to Bailout Insolvent Banks

The US banking system is insolvent. I gave 25 reasons on Wednesday, July 23, 2008 in You Know The Banking System Is Unsound When.... 1 ... , imploding commercial real estate deals, Alt-A liar loans, Fannie Mae and Freddie Mac bonds, toggle bonds ... loans cannot be paid back.Many things have transpired since then. I could easily list another 25 [more...]

Date: 2009-01-18 01:51:43

Employment Background Checks

by Ben Dave Background Checks are typically conducted discreetly. By that token, it is sneaky to some degree ... , Negligent Hiring being the big issue that it has become in human resource operation. Credit or loan ... . Employers, credit officers, landlords, lawyers, business partners and even prospective in-laws [more...]

Date: 2009-01-17 14:39:08

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