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

Blog posts (141) | Videos (33)
 

"Billion Dollar Tax Havens For TARP Recipients?"

Fri Jan 16, 7:56 PM ETThe Bank of America (BOTTOM) and Citibank (R) ... -dollar losses from the ongoing global credit crisis.Bank of America posted its first quarterly loss ... assets.Also scrambling to survive huge new losses triggered by the credit crunch was Citigroup, which [more...]

Date: 2009-01-17 03:32:00

50 Ways to Budget Travel and Save Money on Vacations

Wouldn’t you want to travel more often without breaking the bank? What if I told you that instead of planning one family trip a year, you can go twice with the same budget? If you are at all interested, read on to find out how you can do simple things to save money next time you go on vacation! Airfares [more...]

Date: 2009-01-15 14:00:17

Get Professional Advice - First Time Car Loaner

If the financial implications worry you and you dream of owning a car, then you still have many options left ... of loan. And even if you have a bad credit, you can still get a loan from a specialist provider ... ways; - find the right auto financing alternatives for you. - determine a car loans total costs [more...]

Date: 2009-01-16 15:50:00

Personal Loans For People With Bad Credit

by Trinity Davidson If you need to send a child to college, remodel your house, ... loans in the amounts ranging from $3,000 to $250,000. They may require you to offer evidence ... to provide a copy of your drivers license and social security card. They will also want to see your W2 [more...]

Date: 2009-01-17 17:47:04

U.S. unadjusted jobless claims fourth highest in history

This past week, jobless claims in the U.S. soared as they always do after the holiday season. For the week ending Jan ... , this is an extremely bad report. For example, unadjusted claims were 547K on 12 Jan 2008, 506K on 13 Jan ... , and so on down the line. That should give you a feel for how bad these numbers are. In 2002, we saw the highest [more...]

Date: 2009-01-15 14:50:06

Free Hosting from DreamHost is Here

When we started DreamHost back in 1997, we were in it to make money. Throw up a server, get some customers, collect fat checks, retire at 35. Simple! ... a few! Consistently offer ridiculous coupons that, even now, seem like a bad idea. Keep [more...]

Date: 2009-01-09 18:39:51

The Top Franchise Trends For 2009

Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan.  More tips ... entrepreneurial ventures. Franchise Loan Availability The financial institutions are still going through [more...]

Date: 2009-01-09 07:30:34

BofA bailout puts Merrill defections in context

Bank of America Corp ... the fray and mostly unscathed by the mortgage meltdown and subsequent credit crisis, having not traded too heavily in toxic mortgage debt and leverage loans. However, by taking on Merrill, which [more...]

Date: 2009-01-16 19:07:07

4 more ways get ideas for new products/services

Download audio file (FourWaysToGetIdeasForProducts.mp3) Innocence Creative Commons License photo credit: h ... that into not only a one sale, but a repetitive one?  Think about how your business can help them improve [more...]

Date: 2009-01-16 15:32:48

Media & Politics

Media & Politics 16-Jan-09 Permanent link to MTA daily media news Outgoing CIA director defends detainee interrogation program (McClatchy) LANGLEY, Va. — Outgoing CIA Director Michael Hayden vigorously defended on Thursday the agency’s use of secret prisons and coercive interrogation methods on suspected al Qaida terrorists, [more...]

Date: 2009-01-16 17:21:21

LifeLock Review

LifeLock is the company that has a picture of their CEO, Todd Davis, ... . They will remember to put fraud alerts on your credit history at the three bureaus every 90 days ... , and they will request your credit history every 12 months from the three bureaus. It’s not a lot of work [more...]

Date: 2009-01-14 12:19:44

Obama Considering Government-Run "Bad Bank"

Obama Team Weighs Government Bank to Ease Crisis Reuters | The incoming Obama administration is considering ways of using government capital to acquire bad assets and unclog the financial system, people familiar with the Obama team's ... Paulson and FDIC Chairman Sheila Bair said on Friday a government bank to round up bad assets [more...]

Date: 2009-01-18 03:28:45

Latest News In StockMarketInvestment Research - Jan 16, 2009

Airlines employed 6.5% fewer workers in November 16 Jan 2009 at 10:41am NEW YORK (MarketWatch) — The number of people working for the nation’s passenger airlines fell 6.5% in November from a year ago to 392,185 full-time employees, according to a Friday report from the Bureau of Transportation Statistics [more...]

Date: 2009-01-16 18:03:59

Text of key questions, answers about furloughs

Following is an FAQ that Gannett gave employees today about the company's just-announced mandatory, unpaid one-week furloughs.Q. Why has the company decided to do furloughs? A. Experts are forecasting continued economic weakness for many months to come [more...]

Date: 2009-01-14 17:10:00

DrumBeat: January 14, 2009

Obama energy goal hard to meet: Bodman WASHINGTON (Reuters) ... prices, but this would not affect its $2.3 billion credit facility, the independent oil and gas ... (Bloomberg) -- Crude oil fell after a U.S. government report showed that stockpiles climbed [more...]

Date: 2009-01-14 13:55:13

Nothing Down, Nothing Forever

The Missoulian reports from Montana. “Craig Siphers had a notion that the run on real estate in the Bitterroot Valley might be slowing during the summer of 2006. But the longtime real estate agent with Hamilton’s Exit Realty couldn’t have predicted then just how far it would fall [more...]

Date: 2009-01-17 19:20:23

President-elect Obama’s Economic Speech

President-elect Obama’s Economic Speech Here’s highlights from the speech (full video here) ... that mark a clean break from a troubled past, and set a new course for our nation ... of what the future will hold. I don't believe it's too late to change course [more...]

Date: 2009-01-08 02:14:29

Use a Credit Card to Boost Retirement Savings

Mr. GoTo is not a fan of credit cards in general for two reasons ... in trouble. That being said, we do have one Visa credit card.  We use it to earn travel vouchers ... .  Second, card issuers have not treated consumers well, either in not adequately explaining the costs [more...]

Date: 2009-01-16 18:39:38

What happens if I owe money to a bank or store that fails?

A reader of Credit Card Debt Law was recently wondering what would happen to their credit card debt if the bank that issued their credit card ( ... that any of the large credit card companies fail and declare bankruptcy.  Most likely, the federal ... or retail store to whom you owe money.  Whether it is debt from a store issued credit card, a bank [more...]

Date: 2009-01-17 18:52:57

Treasury and Bank of America reach bailout deal

WASHINGTON (AP) — Bank of America reached an agreement early Friday for an additional $20 billion in support from the government’s emergency ... to help it absorb losses at Merill Lynch. The loan guarantees will cover about $118 billion [more...]

Date: 2009-01-16 07:59:21

Where To Find The Best Rates For Home And Auto Insurance?

As part of a new feature called Ask the M-Network, a reader submitted a question asking about where to find the best rates for home and auto insurance.  The question was from Steve, and he wrote: I’ll be the first to ask a question. Can you recommend a good site on the internet to have my current insurance: home and auto evaluated [more...]

Date: 2009-01-15 00:02:08

‘Aggregator Bank’ Talk begins

‘Aggregator Bank’ Talk begins A: Here we go! Im off to upstate NY for MLK weekend, so I hope everyone has a enjoyable and safe 3-day weekend! ... illiquid assets, floating the idea of a “bad bank.” An RTC like vehicle was one of my 2009 predictions [more...]

Date: 2009-01-17 23:32:17

A Good Credit Report History Is Important

A Good Credit Report History Is Important January 17th, ... the bad credit rating later in life may not be as easy as one thought. It does depend on the amount ... can be a mortgage that is always paid up on time such as car loan. However, when loans are not paid [more...]

Date: 2009-01-17 18:10:17

Why O.C. housing is so risky, bottoms in 2010

Economists at mortgage insurance PMI Group recently ranked Orange County as the 9th riskiest housing market among that nation’s 50 largest housing ... Bernardino unemployment rate is 9.1% up 3 full percentage points. That’s why it’s so bad. That’ [more...]

Date: 2009-01-17 08:02:17

Announcing the Scrooge Strategy: Premium savings tips

Today I’m thrilled to announce something new called The Scrooge Strategy. In November 2008, I launched the Save $1,000 in 30 Days Challenge, where I offered ultra-tactical tips to save money and earn money using on credit cards, gas, automated savings techniques [more...]

Date: 2009-01-13 06:53:36

'Aggregator Bank' Talk begins

A: Here we go! Im off to upstate NY for MLK weekend, so I hope everyone has a enjoyable and safe 3-day weekend! ... assets, floating the idea of a “bad bank.” An RTC like vehicle was one of my 2009 predictions under [more...]

Date: 2009-01-16 17:11:07

US Negotiating to Backstop BofA Purchase of Merrill

Now we know why John Thain was so eager to sell Merrill. That comment isn't entirely fair ( ... arrangement might protect Bank of America from losses on Merrill's bad assets. There would be a cap [more...]

Date: 2009-01-14 22:47:34

Wall Street, Circa 2010: Disaggregation and Specialization

The Wall Street of today is almost unrecognizable from that at which I worked for almost two decades ... its demise. The concept of internally diversifying cash flows by seeking to operate a pile of loosely [more...]

Date: 2009-01-08 16:07:45

Obama To Hold Fiscal Responsibility Summit

Obama To Hold Fiscal Responsibility SummitPresident-elect Barack Obama visits the Post newsroom after a meeting with the editorial board and Washington Post Co. Chairman Don Graham, right. (Photo, The Washington Post)President-elect Barack Obama will convene a "fiscal responsibility summit" [more...]

Date: 2009-01-15 20:58:11

Citigroup Posts $8.3 Billion Loss, Splits Up Company

NEW YORK — Citigroup said Friday it is splitting up into two businesses as it reported a fourth-quarter net loss of $8 ... and banking revenue, and $5.3 billion on the value of credit derivatives. It also lost $2.5 billion [more...]

Date: 2009-01-16 13:14:43

Compare Washington Homeowners Insurance Quotes to Save Money on Your WA Home Insurance Cost

Compare Washington Homeowners Insurance Quotes to Save Money on Your WA Home Insurance Cost Posted by Dark Spider at January 16, ... in a matter of minutes. The bad thing about this process is that you will have to fill your own information [more...]

Date: 2009-01-16 18:07:36

The Bailout Endgame

It’s hard to know whether the unfolding drama with Bank of America and Citigroup Inc ... the government is throwing good money after bad, and believe the resolution will look similar [more...]

Date: 2009-01-16 16:38:59

Know more about the average credit score

Know more about the average credit score January 17th, ... ); 30% (accounts for the amount of debt, also based on the ratio of credit card balances and credit ... credit score, then you don’t have to wonder anymore. According to studies conducted by Experian [more...]

Date: 2009-01-17 04:56:10

Citigroup Posts Loss, Will Break up into 2 Units

NEW YORK (AP) -- Citigroup said Friday it is splitting into two businesses as it reported a fourth-quarter net loss of $8 ... on the value of credit derivatives. It also lost $2.5 billion [more...]

Date: 2009-01-16 14:57:00

"Bullshit Promises"

Our new hero Elizabeth Warren (we had always liked her posts at Credit Slips, and it's to see her kicking ass and taking names) pointed to a paper "Bullshit Promises," by Curtis Bridgeman and Karen [more...]

Date: 2009-01-11 09:34:57

Reuters Article - Where the US bailout money has gone - includes some of it

FACTBOX: Where has the U.S. bailout money gone? Fri Jan 16, 2009 1:39am ESThttp://www.reuters.com/article/ousiv/idUKTRE50F1H720090116(Reuters) ... and Federal Deposit Insurance Corp to backstop $118 billion in bad assets held by the bank, which [more...]

Date: 2009-01-17 19:37:30

Stimulus, Schmimulus

Fiscal Lifejacket or Money Down a Rathole… ... . Economists Lawrence Mishel and John Irons make the case for stimulus in their recent article “How Bad [more...]

Date: 2009-01-17 15:03:16

Friday: Krugman harshes Obama’s mellow

The Shrill One offers some advice to Obama in the Jan ... productive periods of American history in terms of growth and innovation.  Frickin’ liberal.  Doesn’ [more...]

Date: 2009-01-16 13:05:56

Citigroup posts huge loss, separates traditional banking business from riskier ventures

Citigroup posts $8.29B loss, separates traditional banking business from riskier ventures ... loan losses to worsen — particularly in areas like credit cards. “There are some things [more...]

Date: 2009-01-16 23:58:02

Bad Credit Finance Options

Are you living with bad credit? Having bad (or no) credit can certainly affect your life ... more common for employers and insurance representatives to check a person’s credit before making their important financial decisions. What can a person do when they have bad credit following them around [more...]

Date: 2008-12-10 08:01:34

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