Just Tricks…No Treats for Friday’s Rates

Mortgage rates continue to trend upwards like mummies crawling out of their graves.  (Sorry…bad reach. Booooo).  October has been terrible for rates! ... FHA.  Pricing based on credit score of 620 or better and loan amounts up to $362,790 for FHA in King ... all ready be factoring bad news into their brew. Conforming Mortgage Rates (loan amounts up to [more...]

Date: 2008-10-31 19:48:17

Blog posts (265) | Videos (258)
 

Great GM Giveaway May Rescue June Sales. But At What Cost?

We're getting reports from the front line that GM's 72-hour sale is a success-- of sorts ... stop digging" maxim; offering low credit score buyers up to 150 percent loans (to get them ... . IF this plays out across the country, GM's Black Hole Tuesday numbers will be bad, but they won't be as bad [more...]

Date: 2008-07-01 14:05:07

Help a Reader: Money Trouble

Here's a question a reader recently left here: My job closed up I worked for 25 yrs. My new job, I took a $15,000 pay cut a year ... my mortgages on time and never late on card payments, credit score of 735 and a ratio of 95-100%. I’ ... . I'm a single dad, divorced for 7yrs, raising my two kids on my own. Stuck in bad mortgage where [more...]

Date: 2008-09-29 19:45:22

GM 72-Hour Giveaway May Prop-Up June Sales

We're getting reports from the front line that GM's 72-hour sale is a success-- of sorts ... digging" maxim; offering low credit score buyers up to 150 percent loans (to get them ... . IF this plays out across the country, GM's Black Hole Tuesday numbers will be bad, but they won't be as bad [more...]

Date: 2008-07-01 14:44:07

Mortgage Rates Rising with Inflation

Rates are continuing their climb up upwards.  Helping to fuel this rise in rates, ... rate quote below is based on owner occupied with a minimum credit score of 720, “full doc” purchase ... to trade the safety of bonds (such as mortgage backed securities) for stocks.   Great for stocks = bad [more...]

Date: 2008-06-13 20:59:03

The Lending Lunacy Continues as GMAC Gives Out More Bad Loans

This past week the Treasury used $5 billion of funds from the Troubled Asset Relief Program ((TARP)) to purchase senior preferred equity in GMAC, the financing arm of General Motors (GM). GMAC reacted immediately to deploy the funds by lending to new car buyers with credit scores as low as 621 [more...]

Date: 2009-01-01 11:02:24

Shop around for mortgage broker?

My husband and I are planning on selling our condo soon, ... with us. Is it bad to shop around on a mortgage broker? The brokers are just doing a preliminary analysis on our situation with a copy of my credit report and my score, once they each tell me how much [more...]

Date: 2008-11-18 15:32:05

Bankruptcy Assistance

by Jon Pete 2009 is a year that we will face bad economy, and with little sign that things are going to change any time soon, ... term payments and be forced to be tied in deeper financial woes; all this, and your credit score [more...]

Date: 2009-01-08 01:31:31

What up Party People?

Firstly...Happy New Year to all.Secondly...I know what you're thinking...where are the baby bump pics?? ... of the kiddos, working, and embarking on a massive credit clean-up so that my FICO score will be mortgage ... anyway.My heartburn is awful, I only throw up occasionally now, and my sciatica is so bad I can barely [more...]

Date: 2009-01-02 20:33:00

Good, Bad and Ugly: Penn State

FINAL SCORE: Penn State: 65  Indiana: 55 THE GOOD: After a couple of woeful games, ... all season. Too bad it wasn’t close enough at the end for this to make a difference. IU also ... hard, hitting two threes late to try and keep it close. Credit the guys for not giving [more...]

Date: 2009-01-18 01:34:31

Winners! Twelve Days of Christmas Giveaway Event

Oh. My. Word. That was so much fun! I can't thank you enough for celebrating Christmas with me. And for your enthusiastic comments ... ?! this could be very, very bad... but oh so good! :) You win a $150 Store Credit at Sweet Tooth Fairy ... " campaign and would sure love to score this! You win the Eight $20 Giftcards from Macy. 3rd Day [more...]

Date: 2008-12-16 13:00:01

How To Increase Your Mailing List Subscribers Using Social Networks

Internet marketers are very big on building up their opt in mailing lists ... or blog from that link, meaning you don’t get credit for the backlink. This isn’t a bad thing, because ... the social networks. While so many bloggers think about using the social networks to score free traffic [more...]

Date: 2008-07-18 05:19:14

New Hyundai Incentive: No-Penalty Return if You Lose Your Job

Assurance Losing a job is bad. Losing a job shortly after buying a new car is worse ... of transportation and put that money toward a down payment? What becomes more important: your credit score [more...]

Date: 2009-01-05 18:30:13

Give Girls More Credit

The editors changed the headline to include the word, “Playboys ... . But I know for a fact that the girls in this city are sophisticated enough to know the score and handle themselves ... it. They’ve seen how bad the world can be, either in TV, movies, or other pop media from the East [more...]

Date: 2009-01-10 22:43:49

I got 78% C

I just took a Bills IQ test to see if we're financially fit and I got a score of 78 % C.! It's not that bad but as I took the test, I realized that we still have a lot of things ... . :) I also realized that loans and credit card payments must indeed be paid on time, if not interests [more...]

Date: 2008-07-24 01:08:00

FRIDAY, Jan.9, 2009- P. Gamache ("Hooked on Swing" jazzman Larry / Italian beans Dean Martin standard / Dept. store founder pioneered credit unions)

Relative difficulty: Medium-ChallengingTHEME: noneWord of the day: FILENE, Edward Albert(44A: Department store founder who pioneered credit unions) ... and initially came up with nothing. Nothing. Here's how bad things were - my first answer into the grid ... , Double Monarch Score! Today is thus one of the few days where my professional training [more...]

Date: 2009-01-09 12:03:00

This oil man favors a gas-tax hike

If the government raises the cost of driving, it surely would be bad for the energy business. So what's the CEO of Western Refining thinking? ... or more. He's even willing to credit the Europeans with a good idea or two on this score, as he explains [more...]

Date: 2009-01-03 19:26:00

Three-Owl Week

That notoriously bad Bergin owl luck seems to be breaking ... in a superstitious sort of way, if I were to credit any agent, rational or irrational, with my new owl allure ... ? Could this be done? Before you fancy bird spotters start going on about how you routinely score [more...]

Date: 2008-12-15 07:05:37

Bailed Banks

The Bush-Obama strategy of throwing trillions at the banks to solve the mortgage crisis has been a failure. The banks welcome public money to remove toxic assets from their books, insured by we-the-taxpayers, as well as the hundreds of billions in direct handouts, but they’ve hardly returned the favor. They’ve used these funds to pay mega salaries and prop up stock values, choices that obviously benefit them. They needed public support, no one wanted the system to collapse. [more...]

Date: 2009-09-30 21:58:57

What Auto Lenders Look for While Offering you Car Financing?

Amazon.de Widgets Auto financing industry is growing leaps and bound with the increased demand for vehicles among people. They are no longer luxuries; rather necessities of modern life. Scores of auto financing lenders have cropped up in the loan market to help people in this regard. They are giant private sector banks, financial institutions, and individual lenders. The parameters of loan approval vary fro lender to lender. In this article we will talk about the common parameters required by all lenders. [more...]

Date: 2009-09-26 08:10:08

Monday Morning NFL Reckoning

Wish there was a NFL column full of hodgepodge lists, arcane facts, half-truths, free association ramblings, and absolutely ZERO family anecdotes or coffee recommendations?  Yes?  Good!  You’ve come to the right place.  Let’s get this rat killin’ underway. Vikings 27 Niners   24 Lets go ahead and get this one out of the way.  Brett Favre did something magical yesterday.  He took his team down the field and won the game on a 32 yard toss with 2 ticks left on the clock. [more...]

Date: 2009-09-28 13:09:24

Fed decided to Institute Curbs On Issuers of Credit Cards

On Tuesday rules have been proposed by the Federal Reserve to end banks’ ability to apply credit card payments to balances having lowest interest rates first, implementing legislation Congress passed in May. The Fed also proposed that before charging fees for transactions that exceed credit limits creditors obtain consumers’ consent. The Fed said in a statement that restrictions on lending to people under the age of 21 and subprime credit card fees were also included. [more...]

Date: 2009-09-30 12:56:49

Bad Credit Used Car Loan Financing Tips

If we have prior credit problems on your jot down and need to squeeze a car, we might need to request for what is called a bad credit used automobile loan. A bad credit used automobile loan will concede we to squeeze a vehicle, though we will customarily be approaching to compensate it off in a shorter time support and during a aloft rate of interest.Today many normal automobile lenders have been charity lengthened remuneration terms; a little concede we up to 7 years to compensate off a vehicle. [more...]

Date: 2009-09-29 22:03:51

Applying For a Bad Credit Mortgage

Buying a home can be pretty tough these days due to the current state of the market. As the months go by, it does seem like there is some progress being made. This is typically good news for those who are striving to get a new home. On the other hand some people have bad credit scores and face other challenges. A bad credit mortgage is something that you could easily apply for in order to get into the home of your dreams. The market has changed dramatically and the cost of homes has been decreasing. [more...]

Date: 2009-09-25 18:17:03

Alt-A and ARM resets could trigger another crisis!!!

We are winding down out of subprime and going into Alt-A and ARM resets. We have government funding for homes in two ways. One, incentives with lower rates and tax credits, but, there is more. The GSE’s are allowing loans that are 105% and where the monthly debt to income is over 60%. These loans have high default rates and we will pay the price as unemployment stays high. quote Let’s look at a few facts: The Fed is literally the entire mortgage market. Yes, really. [more...]

Date: 2009-09-29 18:15:58

Vertical Limit

Sep.27, 2009 in Uncategorized Amazon. com Finally, a movie for the REI set! For all those mountain-climbing aficionados who devoured Jon Krakauer’s Into Thin Air and similar books (as well as the IMAX film Everest), Vertical Limit attempts to translate man-against-the-mountain adventure into compelling, albeit fictional, drama. And while the climbing action is pretty darn breathtaking, somebody forgot to put the brakes on the cliché machine while penning the screenplay. [more...]

Date: 2009-09-27 11:28:37

Effortlessly and Easily Boost Your Credit Score

Effortlessly and Easily Boost Your Credit Score by Jacob FreemanMany consumers have no idea what a credit score is comprised of. What are they measuring and how does this number relate to my creditworthiness? While common sense tells us that paying our bills promptly is an important factor what else is important when it comes to credit scores?A credit score is just a numerical measurement of certain statistics. It is supposed to tell the lenders about the risk factors of the borrowers. [more...]

Date: 2009-09-26 19:20:25

Restore Your FICO Score – Part Two

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little hard work. However, they can result not only in a higher FICO score, but also lower interest rates on loans, and a higher chance of getting approved for loans in the future. [more...]

Date: 2009-09-27 23:46:13

Debt loans for people with poor credit scores

If you have bad credit, you will probably find it extremely difficult, the loans you need to pay your debts. Creditors and banks only want to do anything with you. The best way to remedy this is with debt loans. They are people like you who are placed in unfavorable situations. The best thing about these loans is that you can use the money anyway you want. There are no guidelines or restrictions on how the money must be used. With these loans, you must no longer a question, refused a loan to care. [more...]

Date: 2009-09-29 11:51:29

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

Bad Credit Mortgage Refinance: Help and Advice

Most likely, your home will be the most expensive thing you ever own in your life. It is only normal that you would do anything in your power to keep it. However, home ownership can be a financial nightmare, but that can change with mortgage refinancing. Getting a more affordable monthly mortgage payment will help you keep your home, and strengthen your finances. However, just because it is possible to get a bad credit mortgage does not mean it is easy. [more...]

Date: 2009-09-26 06:09:50

Bad Credit Car Refinance Options

Your bad credit car refinancing is very easy to do if you act fast after first getting your loan. Once a car loan drops below about 8,000 dollars, it is hard for even people with great credit scores to find refinancing options. Although, when car loans do drop below that 8,000 dollar mark, there are alternative methods of refinancing available so that all monthly bills can be lowered into a range that can be paid easily if income drops unexpectedly. [more...]

Date: 2009-09-29 17:57:47

Need Info About Credit Cards – Read this Publication

When you are looking for a credit card offer you probably want something that will correspond to your needs, not something that is most advertised and popular. Different people have different lifestyles and spending habits, and they want different credit cards which will help in various life situations. If you like travelling or if you just travel a lot make sure you find a credit card offer that provides special bonuses which will considerably enhance your journeys. [more...]

Date: 2009-09-30 10:17:59

Your Week Four College Football Scores

Record after week 3: 37-22, 30-28-1 AS 9 am : Morning! The family is in town for the weekend, so I’ll probably be updating a little bit less often than usual today. Unless one of my fellow bloggers on this site wants to update once in a while? Huh? Huh? Aww fine, I’ll do it. Anyway, it’s yet another lovely day of college football for your enjoyment (and profit!) and we’ll see you periodically all day. [more...]

Date: 2009-09-26 13:00:20

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Opting For Bad Credit Refinance Is Like Walking On Thin Ice

Opting For Bad Credit Refinance Is Like Walking On Thin Ice by Angus GuyWondering whether it is possible to get a bad credit refinanced or not? Well, you can most definitely get a bad credit refinanced as there are several people who take to this recourse. Normally, your credit ratings dictate the future prospects of availing a further credit. However, despite the low credit ratings; Bad Credit Refinance is definitely an option available.The bad credit situation is a result of various factors. [more...]

Date: 2009-09-30 21:56:17

Refinancing Your Mortgage With Bad Credit

by Chris Bird 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: 2009-09-28 13:05:49

Are greedy wolves making government-insured mortgages?

Now that subprime is a dirty word and Wall Street firms are no longer making securities backed by loans to people with low credit scores, brokers and bankers are filling the void with a little help from Uncle Sam. They are making loans ... FHA, which is meant to expand credit to folks of modest means? John Courson, president of industry [more...]

Date: 2009-01-15 11:00:45

Top 14 Goals of the Week

The Christmas cliches are just too seasonal to avoid so, as is standard fanfare, let’s begin by saluting the turkeys from the past week in football ... for the first Spartak goal was so bad that Harry Redknapp farted “there’s not really a way back ... , sipping a glass of eggnog and cursing Howard Webb, credit must be given to Dutch footballer Joost Volmer [more...]

Date: 2008-12-22 15:22:49

Do NOT Shred it and Forget it!

Public relations people often pitch products to bloggers like me. Most PR pitches tout harmless products, which I ignore. Until now ... you to shred your unpaid credit card statements to ignore creditors, to hide consumer debt ... with ease once all evidence of indulgences has been destroyed, thus keeping bills, credit card statements [more...]

Date: 2008-12-13 08:05:49

Applying Online For Bad Credit Loans

Applying Online For Bad Credit Loans by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 13:04:19

Essential Credit Repair You Need Know For Successful Self Credit Repair

Credit Repair The DIY Way . Credit repair is a great way to improve your credit scores and get a fresh financial start. However many people cannot afford the cost of a credit repair service. The good news is that you can do credit repair yourself and get the same results as a credit repair company would, you just lose the convenience of not having to do anything. This article will discuss a few important DIY credit repair tips that you can use to get started. [more...]

Date: 2009-09-28 06:50:28

Top 13 Goals of the Week

The Christmas cliches are just too seasonal to avoid so, as is standard fanfare, let’s begin by saluting the turkeys from the past week in football ... for the first Spartak goal was so bad that Harry Redknapp farted “there’s not really a way back ... , sipping a glass of eggnog and cursing Howard Webb, credit must be given to Dutch footballer Joost [more...]

Date: 2008-12-22 15:22:49

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

Choosing The Right Bad Credit Loans

Sep 27th, 2009by Chuck Lage. by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 12:46:25

The Secrets behind the FICO Score

by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-28 13:26:56

Links: Jennings vs. Rubio, Round One

by Lang Whitaker I mentioned in the Dirty Thirty that I’ve been on the road, but I didn’t mention where I was. Well, I’m in Barcelona. For now. By the time you read this, I’ll be on the way back to the US of A. I arrived in Barcelona early Wednesday morning, spend all day and night Wednesday working on some secret ish for a future issue of SLAM, [more...]

Date: 2008-12-12 04:27:32

Review: Microsoft Security Essentials

The good Easy on the system resources Easy to figure out how to use Comes pre-configured The bad Only works on legally licensed Microsoft computers Can't opt out of contributing to SpyNet Click here for our Microsoft Security Essentials photo gallery (Credit: Chris Duckett/ZDNet.com.au) Microsoft has released version 1.0 of Security Essentials , the successor to Live OneCare. [more...]

Date: 2009-09-30 05:30:01

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

here) about his new book Readicide: How Schools are Killing Reading, which offers a provocative critique of the reading instruction that has become commonplace in the American classroom. I'm excited to announce that Kelly has agreed to join us for a four-day focused discussion using Voicethread---one of my favorite digital tools that allows [more...]

Date: 2009-01-12 19:38:33

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