The Reality of Prepaid Credit Cards

by Pedro Turriago Prepaid credit cards are great for those who find it difficult to control their spending habits. They have a limit imposed by the cardholder that is solely determined by how much money they load onto it. If the person does not have money to load onto the card, then they wont be able to use the card. In short, by the time a prepaid card is used, the bill is already paid. Its probably the best type of credit card available for people who want to stay out of debt. [more...]

Date: 2009-09-30 11:13:28

Blog posts (137) | Videos (174)
 

Are Bad Credit Debt Consolidation Loans Difficult To Obtain?

Amazon.de Widgets Bad credit Debt Consolidation Loans are they still available? This article looks at whether or not the consolidation loan for people with bad credit is still available.Don’t take my word for it, but bad credit consolidation loans are rare…very rare, but the situation is improving slowly.It never used to be the case, but the decline of the economy over the past two years, due to the global fall out from the sub prime mortgage fiasco, has meant that lenders are reluctant to lend [more...]

Date: 2009-09-28 11:56:59

Things To Remember In Choosing A Credit Card

by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]

Date: 2009-09-28 09:44:37

Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:56:40

Benefits Of Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:34:45

If You Have A Debt Problem, Then Admit It!

You Can’t Solve A Debt Problem If You Deny Its Existence.  If you have a major debt problem and want to end it, then go look at yourself in a mirror and say, "I have a huge debt problem, it’s suffocating me, and it’s taking away my freedom", or whatever words feel right to you. If it felt real and you shuddered, then you’re most likely ready to start getting out of debt, but if you think that having overwhelming debts is: a) no big deal,b) something that everybody has right now,c) something [more...]

Date: 2009-09-30 20:42:18

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Benefits Of Student Loan Consolidation

September 29, 2009 | By Layla Vanderbilt In Finance | by Layla VanderbiltAre you having difficulties making your monthly payments for the student loans that you have availed of? If you are facing some financial problem due to which you are unable to service your loan, you should go for student loan consolidation. Whether your financial miseries are due to poor credit score, possibility of forbearance or deferment, loan consolidation is a way out of your financial mess. [more...]

Date: 2009-09-29 14:35:03

Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22

Can Debt Consolidation Make My Financial Position Worse?

Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. You, and your bad financial habits. That is how you got into debt in the first place. Lack of financial discipline If you take out a debt consolidation loan you have given your finance s some breathing space. [more...]

Date: 2009-09-29 11:16:03

In Latest Outlook, Sifma Split on Housing, Bailout Views

The yearlong U.S. recession will likely continue until mid-2009, a group representing hundreds of securities firms, ... Deposit Insurance Corp.’s move to insure bad debt and the government’s commercial paper programs ... loans, all also favored requiring conditions such as restructuring, consolidation and creditor [more...]

Date: 2008-12-15 11:05:00

The Many Problems With Bailing Out Big Auto

Resplendent in their private jets, Detroit’s auto executives have been pleading to Congress for a piece of the bailout mania ... .  In the financial sector, collapse would lead to a chain reaction, as the bad debt cascaded ... of credit crunch, the market for new cars has declined precipitously.  Moreover, U.S. automakers must [more...]

Date: 2008-11-20 15:07:15

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

Bolsheviks Seize Detroit (GM)(F)(TM)

As far as anyone can prove, Henry Ford and Alfred Sloan were not members of the Communist Party. Neither one of them was asked to testify before the House Committee on Un-American Activities. No one has ever even hinted that either of them ever met Senator Joseph McCarthy. Left alone, Detroit did fairly well [more...]

Date: 2008-10-28 08:24:49

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

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

Back to Basics: Reduce your debt

Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. ( ... . There are many reasons why people go into debt, and they’re all not bad reasons. Funding a college ... one’s means, is usually a bad use of debt. Buying a car with a loan, though sometimes unavoidable [more...]

Date: 2008-11-16 07:24:43

No Fee Balance Transfer Offers Rise Again

Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]

Date: 2009-09-29 15:20:06

BANKS FACE ANOTHER BAD YEAR IN 2009

Rising loan losses, the threat of more regulation and tougher competition adds up to another year of poor profits for banks BY DAVID ELLIS ... a significant deterioration in the health of their credit cards and home equity loan portfolios ... bad the outlook for 2009 is just as dismal. It may seem hard to imagine how 2009 can be worse than [more...]

Date: 2008-12-22 15:14:10

Credit Card Tips 10: Avoiding Penalties

September 28, 2009 | By Obapo Gana In Finance | by Koba RryantIt is a basic and well known fact that most credit card companies penalize those of their customers who are late in making their credit card balance payments. Indeed, a considerable number of credit card companies make the greatest portion of their income out of the penalties they charge those of their customers who make their balance payments late.But while the credit card companies have become accustomed to late payment of [more...]

Date: 2009-09-28 17:53:34

Free Living

In this complicated financial status due to non-stop daily expenses, monthly bills, children's educational expenses, ... . The overflowed using of more than one credit card is really sink us into a big debt when unable to use in minimal expenses. Not realizing that we are already sinking into big credit card debt. It's time [more...]

Date: 2008-12-02 01:16:10

Debt Validation And Collection Agencies

Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]

Date: 2009-09-29 23:06:03

Want a netbook for e-reading? Here are some buying tips

unwanted “feature” of DRM? Believe me, I’d rather see Ethan Canin—whose e-book version costs at least $19.51 at the normally less expensive Fictionwise—get royalties. No such luck, however. So I bought used through Amazon, where old p-copies from partner stores are going for as little as $8.01 [more...]

Date: 2008-12-07 17:35:33

Deals of Day: Layoffs Coming In Every Industry

By Stephen Grocer and Heidi N. Moore Deals of the Day includes all the major news of the morning related to mergers and acquisitions and financing ... : The credit crunch means that consolidation looms for Mirant and Calpine as well. Bloomberg ... of the credit crisis: The Middle East, according to Merrill Lynch’s John Thain. Dow Jones Newswires [more...]

Date: 2008-10-21 12:10:11

tips to get out of it

There are many reasons for people to face court actions, one of the many are financial cases, being submitted to court are because of bad credit. be it from credit card companies to other financial institutions, sometimes people tend ... rebuild their credit card! by providing Debt Counseling and debt referral by Suze Orman Tips [more...]

Date: 2009-01-14 13:06:08

Bailing Out in the Real World

I feel like some of the commentary on the prospect of an auto industry bailout is starting to remind me of some of ... like a bad idea, but if we do it like this and like that and like this then it’ll all be okay ... as a whole were in reasonably good shape and the credit markets were functioning, Chapter 11 would be the [more...]

Date: 2008-11-17 14:36:21

Where To Get Debt Consolidation Loans For People With Bad Credit

When you find that you are in too much debt it may be time to make some changes. Most people who get into debt and get bad credit feel that there is no way out. What they do not know is there are great debt consolidation loans for people with bad credit. All you need to do is know where you can find these loans. Take a look here and find out what you are going to need to do in order to find the right loan to wipe away all of that debt! [more...]

Date: 2009-09-28 21:27:57

Bad Day For Old Media

There’s a slew of bad news today for old media companies, and all signs are that it’s only going to get worse ... and other properties has $13 billion in debt. Severe reductions in advertising this year because of the recession has put pressure on the company. Most of its debt comes from the complex transaction [more...]

Date: 2008-12-08 22:22:34

Deals of the Day: Go Financial Crisis! The Phillies Need You.

By Stephen Grocer and Heidi N. Moore Deals of the Day gathers all the major news of the morning related to mergers and acquisitions, bankruptcies, ... the day at http://blogs.wsj.com/deals. Today in the Bailout Rescue pack: Treasury’s plan to buy bad ... see more consolidation if the Treasury’s capital-infusion program for the banking sector expands [more...]

Date: 2008-10-28 12:35:59

Homeowner Loans for Everyone

A homeowner loan is a loan that is given against the security of a house. Your house acts as collateral when you take out a homeowner loan ... is replacing high rate unsecured loans and credit card bills with a low rate secured loan. Therefore ... when you are suffering from a bad credit history. Lenders charge very high rates of interest on bad credit [more...]

Date: 2009-01-16 23:02:29

Really bad credit loans- Easy resolution of monetary crisis of bad creditors

Even if you are having bad credit problems, you can derive the required amount of external funds with loans for people with really bad credit without any hesitations of having bad records. You can make use of the loans to meet household expenses, starting a new business, purchasing a car or motorbike and even debt consolidation. These loans [more...]

Date: 2009-01-17 14:52:19

Student Loan Consolidation May Be The Answer To Your Debt Burden

Student loan consolidation may be the answer to your heavy debt burden and the many issues that come with having to make several loan payments every month. Student loans just like the other forms of financial aid are a service that is subject ... dropping below half-time enrollment. With this, the loans remain delinquent for 270 days or become [more...]

Date: 2009-01-17 09:03:38

WEB NEWS RELATED CONCEPTS Hence does dump-buyback make

WEB NEWS RELATED CONCEPTS Hence does dump-buyback make Potential problems for owners with failing businesses WEB NEWS RELATED CONCEPTS Hence does ... who has successfully sued bank credit card enterprises, bill collectors and credit reporting agencies ... Tempting But Bad Choices. How to submit for Fort Worth S corporation bankruptcy? They don't [more...]

Date: 2009-01-17 22:09:05

Fixed Mortgage Rate

Fixed Mortgage Rate January 17th, 2009 Subscribe To Our Feed Mortgage Loan Video Many people who are looking to buy a home consider ... a mortgage hanging around their neck forever but with home buyers entering the market later ... to be true. Loans agreed with a 15 year fixed mortgage keep the same interest rate throughout [more...]

Date: 2009-01-17 17:30:19

The Consequences Of Devil-May-Care Lending

The Des Moines Register reports from Iowa. “Deb Baker believes she’s one of about 31, ... her ability to refinance her unaffordable loan or to sell her home. ‘You hate to lose what you put ... a fair number’ of the inflated appraisals that accompanied the subprime-loan boom now causing [more...]

Date: 2008-12-08 15:54:59

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

Fed Announces $800 Billion in Homeowner, Consumer and Small Business Aid

The U.S. Federal Reserve and Treasury Department announced yesterday (Tuesday) ... -backed securities (ABS) – loans often taken for students, car owners, credit card holders and small ... directly into U.S. banks and insurance companies, firing off a flurry of takeover deals – [more...]

Date: 2008-11-26 13:05:07

on mortgage talks

A childhood friend just got home 1 month earlier my father, she too works in a cruise line! ... mortgage rates and interests and other add ons like refinance with bad credit actually i guess ... again her ship she’ll decide on what to do with her planned investment and about bad credit mortgage [more...]

Date: 2008-10-27 13:51:27

Deals of the Day: Obama Taps Warren Buffett, Google CEO for Advice

By Stephen Grocer and Heidi N. Moore Deals of the Day gathers all the biggest news of the morning related to mergers and acquisitions, bankruptcies, financing and private equity. You can also bookmark Deal Journal for easy visiting throughout the day at http://blogs.wsj.com/deals. Today in the Election and Financial Crisis Ambiguity on key [more...]

Date: 2008-11-07 15:32:00

Secondary Sources: Credit Card Crisis, Bubbles, U.S. Default

A roundup of economic news from around the Web. Credit-Card Crisis: The New York Times reports the next crisis may be in credit cards. “Lenders wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... say. Currently, the total losses amount to 5.5 percent of credit card debt outstanding, and could [more...]

Date: 2008-10-29 13:21:18

Secondary Sources: Credit Card Crisis, Bubbles, U.S. Default

A roundup of economic news from around the Web. Credit-Card Crisis: The New York Times reports the next crisis may be in credit cards. “Lenders wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... say. Currently, the total losses amount to 5.5 percent of credit card debt outstanding, and could [more...]

Date: 2008-10-29 16:17:00

Debt Management : To Manage Your All Debts

No doubt, debt effect sometime becomes very awful. It can increase your debt burden, affect your monthly budget and so on ... can be able to eliminate 100% of their credit card debts. Many agencies provide debt elimination services ... mortgage, remortgage, credit cards, home equity and through debt settlement. •Debt negotiation: Debt [more...]

Date: 2009-01-17 07:57:21

Debt Reduction and Debt Elimination Programs: What’s the Catch?

One of the most frequent issues that readers contact me about is more information about a debt reduction or debt elimination program that they heard ... out a lot of factors. For one, some of the programs wreak havoc on your credit report and credit score ... a final negative note on your credit report indicating that your debt was negotiated, which [more...]

Date: 2009-01-08 20:00:36

Online Debt Consolidation Loans For People With Bad Credit

Having bad credit is hard enough but having the debt to do with it can be even harder. Luckily for you there are ways to get debt consolidation loans for people with bad credit. Before you get started with any search at all make sure that you find out what you need to do first. Once you think that you have all of the proper information you should be all set and ready to go with the loan process. [more...]

Date: 2009-09-30 13:21:47

Wind Power: Not Dead Yet

Everybody seems to be fretting about the future of wind power. Should they? Big financial players in renewable energy are retrenching in the teeth of the credit crunch ... rebound. Even the wind industry warns of lean times ahead. So are things really that bad? “ [more...]

Date: 2008-10-31 08:14:00

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

SOC or Bust

With the implosion of Citigroup and the depth of losses across the banking sector, ... on infrastructure, the auto industry, and every other constituency that has come out of the woodwork ... Bank/Bad Bank restructuring of failing institutions), and includes items such as: Simplified [more...]

Date: 2009-01-15 01:55:53

Debt Management Advice : Can Really Take your Onus on Multiple Debts

If you want to get rid of your loans but don’t know how to do this. You can avail debt management advice ... of the tight competition in the market. Also if you are having credit card debts you can merge all of them into a new credit card at low interest rate. Financial experts will also advice you regarding how [more...]

Date: 2009-01-17 10:25:00

Consolidation or holiday loans - finance for luxuries and necessities

Find out about obtaining a loan for both necessities and luxuries, even if you have a poor credit rating. Copyright (c) ... 2009 Gordon Parkes Whether it is required for a financial necessity or one of life’s little luxuries, a loan may be available even if you have a bad credit rating. If you are planning a dream family ... [more...]

Date: 2009-01-17 15:05:47

180th Carnival of Personal Finance

Hi and welcome to the 180th Carnival of Personal Finance.  This is my first time hosting the Carnival of Personal Finance and I’m excited to do so!    If you are interested in hosting or submitting to the Carnival please check out the website. My name is LAL and I’m a twenty-something DINK writing about my journey to one day live large [more...]

Date: 2008-11-24 14:05:11

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