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Don’t Pay Off Bad Credit

Step three in the “Should I Buy a House Now” series is somewhat of a sidetrack ... towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long time ... your bills on time, that you have good credit.  Paying your bills on time only accounts for 30% to 35 [more...]

Date: 2008-11-11 17:02:59

Blog posts (157) | Videos (103)

Topics In First Time Mortgages Explained

Topics In First Time Mortgages Explained Posted By Chris Channing on @ 11:30 pm by Chris Channing When it comes time to buy a house or vehicle, ... locations. Having a bad credit score often hinders many from even attempting to obtain a mortgage loan. This shouldn’t be a deciding factor, since many lenders these days expect most to have a less [more...]

Date: 2008-10-21 04:30:38

Houses, Credit Reports, Lenders….ACK!

Wondering about buying your first home? Are you ready to move up or down-size? Have you heard they aren’t making loans any more? ... gift’ you cash for a down payment. AND *You don’t need stellar credit with FHA loans! Bad things ... your needs. *Good credit; your credit score needs to be 620 or higher, in most but not all cases. FHA [more...]

Date: 2008-11-08 12:00:06

How To Buy A House

There has been a lot written about the mechanics of how to buy a house ... again you might even need a down payment to get a loan. A bad credit rating no longer just means ... . But what if you can’t get preapproved? What if you have little income, bad credit or other serious problems [more...]

Date: 2009-01-13 02:01:00

Repairing Bad Credit - Things You Need To Know

If you plan on buying a house, a car or foresee needing a loan for something, then it’s important to improve credit, ... and a score in the 700s can end up costing you thousands of dollars in interest. Bad credit repair isn’t something you can pay a nefarious character to just “erase.” Your credit score is designed to let [more...]

Date: 2008-12-09 10:57:47

Bad Credit? Have We Got a Mortage for You...

From Giovanni Diviacchi:My wife and I want to buy a house, but we found that the only mortgage that we were eligible for was a new product called a Late Payment Mortgage.  It's for people with really bad credit.  The bank gives you a lower interest rate if you let them begin foreclosure proceedings at the closing table.***Giovanni Diviacchi is a business analyst and stand-up comedian in  Washington, D.C. [more...]

Date: 2009-06-13 10:00:00

Bad Credit Loans

Are you short of money? Scared that you may not be able to buy your own house you promised your wife this birthday? ... to know more visit the site. They also have extensive material on how to clean up and repair bad ... Planning to apply for a loan but don't have a good credit to get one? Then stop worrying. Bad [more...]

Date: 2009-01-12 16:38:32

Why buy when you can rent?

for-rent-2.gif There are times besides a bad housing market that renting is the smart thing to do, suggests Christine O’Kelly at Beal Properties ... . A ding on your credit. It will buy you time to improve your credit score and save for a down payment [more...]

Date: 2008-09-04 02:07:37

Prefab Housing: 2 Diamonds (SKY, CHB) In The Real Estate Rough

Sometimes the worst markets hide the best profit opportunities. And you don’t get much worse than the housing market at the moment ... for buying stocks in bad industries. Jeremy Siegel, one of Wall Street’s best investment minds, said ... at a steady clip for one obvious reason: in today’s credit crunched economy, people are looking for low-cost [more...]

Date: 2008-11-14 11:34:02

UPDATED: Senate buys into the Wall Street buy out… Obama: John Q Public too stupid to know what’s good for country… George Soros says buy out won’t fix credit problem

Putting increasing pressure on the House “no” voters to fall in line, the Senate voted (74-25) overwhelmingly in favor of a $700 bil government purchase of bad debt from Wall Street … with lots ... (increasing FDIC insurance limits). The basics remain the same. The government will buy bad assets [more...]

Date: 2008-10-02 02:59:48

Bad Credit Car Loans

The worst case credit scenario for all of us is bankruptcy. I read an article by a bankruptcy attorney once that people’s biggest fear when they’re deciding whether to go through bankruptcy is that they’ll never be able to own a home again and they’ll never be able to buy another car. Those fears aren’t really justified, but it’s true that borrowing for cars and houses is going to get much tougher after you’ve gone through the big BK. [more...]

Date: 2009-08-15 13:17:19

FHA Loans- Affordability Solutions for First Time Homebuyers

Author: Jared Martin “FHA” and “First Time Homebuyers” are real buzzwords as far as home buying is concerned, ... . The intent of this article is to quantify the features of this loan, both good and bad, and discuss ... Housing Authority. Recent events in the credit markets have made the FHA loan a true affordability [more...]

Date: 2009-01-02 03:10:31

If You Were Sec. Paulson for a Day: A Foreclosure Clearing House?

On one of many flights this week I was asked the question, “what would you do with the $700 billion of bailout money? ... more to the story but for the sake of brevity we’ll leave it at that. 2) Credit liquidity in the current market ... by the government buying up the bad assets, giving capital to the banks in return for equity stakes [more...]

Date: 2008-11-13 16:32:03


For years, immigrants to the U.S. have viewed buying a home as the ultimate benchmark of success ... loans, which carry high interest rates and are tailored to borrowers with low credit scores or few ... the housing boom. But when these markets began to weaken, bad loans depressed the value of neighboring [more...]

Date: 2009-01-06 13:19:54

Die Broke: A Radical Four-Part Financial Plan

Conventional money wisdom focuses on saving. If you earn more, limit expenses, and plan properly, ... ) Pay Cash (reserve credit for times when you cannot pay cash, like buying a house or a car) Don’ ... off of a cliff) Die Broke (unnecessarily saving for an inheritance can be bad for families, bad [more...]

Date: 2008-12-19 08:37:19

Why Does Anyone Think the Recession is Bad for Apple?

Why Does Anyone Think the Recession is Bad for Apple? 12:01 am, November 20th, 2008, Pete Mortensen AAPL Growth.png ... from one of the world’s largest companies, showing that the current credit crisis doesn’t actually ... player market. When people aren’t buying cars and houses, they still find time for personal entertainment [more...]

Date: 2008-11-20 08:31:18

Should You Invest In REIT?

With the current housing market meltdown, it’s hard to think about investing in real estate ... with maintenance — i.e., answer midnight phone calls to go fix the toilet. You don’t have to deal with bad ... . Moreover, the current tight credit market and lack of cash makes it even harder to buy [more...]

Date: 2008-10-23 03:39:11

The Ups and Downs of Buying a Home

Pretty soon this will be our yard! We’ve been on the home buying roller coaster for almost a month now, ... .  We meet my dad at the house and tour the inside.  It’s in bad shape, but we like the lot ... the numbers, checks our credit, and determines that we should have no trouble qualifying.  That night [more...]

Date: 2008-07-24 11:00:15

Was the Bailout Too Costly?

Was the Bailout Too Costly? Written by Credit Karma October 13th, 2008 at 10:25 PM CDT No comments According to numerous sources at this point, ... of the issue, which is fixing the housing crisis and creating jobs.” She was quotes as saying in a recent ... as $700 billion dollars to buy off bad mortgage security as well as other devalued assets that [more...]

Date: 2008-10-14 04:26:06

House approves bailout: $700-billion-plus

by Mark Silva and updated at 3 pm With the House's second and successful vote on a $700-billion federal rescue of the nation's financial markets ... at freeing a freezing credit market for businesses and consumers alike. It authorizes the Treasury to start buying as much as $700 billion in bad mortgage-related debts from banks and other financial [more...]

Date: 2008-10-03 19:06:58

AMC, Wells (Appraisal - a Must Read) , US Bank, GMAC updates; MortgageIT gone, What’s with the buy-ups? Rates tumble

The economy is pretty bad right now. Yesterday I was putting a foreclosed sign on my house, and while I was doing that, ... this decision based on the struggling economy, the credit crisis, and the integration with Merrill Lynch [more...]

Date: 2008-12-12 15:11:03

How Wall Street’s Meltdown Helps Main Street’s Housing

Just for fun, let’s imagine a possible silver lining to the complete melt down on Wall Street ... to extend car loans, credit card debt, retail debt and so on.  But this may not be all bad ... are up and his long commute is killing them.  They need to buy a different car.  “But no one is lending money [more...]

Date: 2008-09-19 13:00:15

REPORT: Credit lines increasingly hard to come by for auto dealers

Filed under: Car Buying Like him or loathe him, George W. Bush's clearest, most salient speech came almost a year ago on September 25, 2008 when our Harvard MBA president explained to the nation and the world exactly how bad the economy had gotten and why so much federal money ($700 billion-ish at the time) was being hurled at America's banks. The full speech can be found here , but one little section bears quoting: The decline in the housing market set off a domino effect across our economy. [more...]

Date: 2009-09-03 15:02:57

Miguel Barbosa Interviews Michael Mauboussin: Author, Investor, & Multidisciplinary Thinker

Benoit Mandelbrot once said that “failure to explain is caused by failure to describe”. The world has experienced one of the most severe financial crises. How should we make sense of what happened? Without a doubt, we should describe the financial crisis in a multidisciplinary fashion. Only through multiple perspectives can we begin to uncover the origins of the “great recession”. Today, I’m pleased and honored to have one of the foremost experts in multidisciplinary thinking, Michael Mauboussin. [more...]

Date: 2009-09-28 16:43:17


RegularsTalk Amongst Yourselves By David Wildgoose on September 25, 2009 at 8:30 AM This is where Kotaku readers go to talk about the stuff we’re not already posting about. Think of it as the official unofficial Kotaku community forum.You can talk about games. Or movies. Or politics. Music. Food. Science. Sport. Insert your own miscellaneous off-topic discussion here. Just keep it clean.I’ll be promoting this post each morning until Sunday to let the conversation continue all week. [more...]

Date: 2009-09-24 22:30:39

During these problematic financial climate, someone could have envision that people require loans more often than ever to cover their payments.

If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!  Let’s say you’re going abroad and have to get get hold of some cash then at present there are numerous ways of getting your bills swapped into into another cash. Not just that but there are as well a number ways of actually keeping hold of your travel money. The most simple and likely the most known way is to swap your funds at a high street bank or bureau at the departure lounge or when you touch down. [more...]

Date: 2009-09-25 15:46:45

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

Don't confuse political consensus with wisdom

We won't know the full story on Iowa's film tax credit for weeks, as investigators look into lax oversight and other problems at the Iowa Department of Economic Development. It may be months before we learn whether Iowa taxpayers will end up paying around $110 million or as much as $300 million in exchange for some temporary jobs in the film industry. One thing is already clear, however: the original bill creating the film tax credit laid the ground for this costly mistake. [more...]

Date: 2009-09-28 16:59:04

Free crack.

So many interesting things in the meeee-dya — every so often I like to say it like the pests who brayed it in my ear all these years — this weekend. I hardly know where to start. As many of you know, Detroit is having a moment in the national spotlight; Time magazine bought a house in town to be home base for its yearlong look at the city. Their first cover story is either this week or last, but I haven’t read it yet (although I bookmarked the blog ). [more...]

Date: 2009-09-28 06:10:32

The Entire Affordable Mortgage Rates Are Calculated Precisely

There are various methods where one can achieve anything and everything. My friend’s son at a very tender age is very insistent and wants to own all that his father has. He has great plans and dreams and wants to fulfill them in a beneficial way. Well, there are hundreds of youngsters these days who want to lead a comfortable life and settle in a luxurious way. My friend’s son (Daniel) is only 20 years old. He believes in earn and learn procedures. He is learning as well as earning. [more...]

Date: 2009-09-25 07:16:51

Prosecutor: US terror suspect wanted to carry out attack on 9/11 anniversary

No byline on the article… no evidence given for the 9/11 assertion. While organic terrorism exists, it is rare, and StatismWatch is willing to bet that the ISI is running these alleged Al-Qaeda training camps to manufacture these guys. It’s a fact that the ISI and the CIA are running all over Pakistan, and it’s certainly easier to keep things under wraps if the provocation, training, and incitement to militancy occurs in a foreign country rather than in, say, a Toronto high school . [more...]

Date: 2009-09-25 18:05:18

First Time Home Buyers Should Know These Facts

by Oscar Acosta Are you buying a home for the first time? Unsure of the overall process? It is important to understand many aspects of the process. The terms alone can be a foreign language. There are basically five areas that need to be looked at. To avoid making bad judgments and losing money, get to know the process. Today home loan programs are more responsible with FHA being the most popular with a minimal 3.5% down. A family member can gift you the required down payment. [more...]

Date: 2009-09-24 18:30:00

The 7 new rules of financial security

In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.John Maynard Keynes, the Depression-era economist who’s having quite the comeback, once quipped when he was accused of inconsistency: “When the facts change, I change my mind. What do you do, sir?”Money has long advocated the benefits of consistency in your investing and financial planning. [more...]

Date: 2009-09-29 10:57:27

The Way Too Long Review of WWE Summerslam 2009

Before I get started, I’m going to take the time to shamelessly plug the work myself along with many more-talented writers and professional wrestlers are doing at the Wrestling Press. http://www.thewrestlingpress.com By now I’m hoping my readers here have downloaded my podcast, the TWP Pass, which you can find at thewrestlingpress.com, in the i-Tunes store, or coming soon here at Pulse.  I’m new to this podcast stuff and there are still some technical issues to work out, but if you enjoy my [more...]

Date: 2009-09-25 12:14:39

Eight Mistakes to Leave Your Heirs

If you've always hated your kids, your spouse and the rest of your family, it's surprisingly easy to make sure the acrimony and hurt feelings endure long after your funeral. However, if you actually like your friends and family, avoid these eight major mistakes identified by Sheyna Steiner of Bankrate.com in planning your estate. These errors will make your survivors wonder what your last wishes were, where your financial records are and why they're paying taxes they didn't need to. [more...]

Date: 2009-09-25 00:13:00

G20 nations meet as protests flare on issue of international banking regulation

Again, the summit is being presented as a way to get the bankers, when it is in fact a further centralization of banking power. The picture below tells you much of what you need to know about the G20. And for new readers, it’s not that banks are inherently bad. But at the international level, economies are being governed now by a syndicate of privately held central banks that operate above the law and print money with which to acquire real equity. [more...]

Date: 2009-09-24 22:35:28

A Bad Credit Mortgage May Be the Answer

It can be quite a challenge to overcome bad credit. A bad credit mortgage works to make this situation faced by many a thing of the past, lenders will work with those who are faced with challenges. The current economic condition had taken a toll on many people’s credit ratings. Job insecurities, divorce, inability to work, health and many other unforeseen circumstances can devastate an otherwise perfect credit score. There are many factors to consider when applying for a mortgage. [more...]

Date: 2009-09-25 17:57:07

The House Bounce?

Houses bounce too… Not much happened yesterday. The Dow fell 47 points. The newspapers attributed the reversal to surprisingly low consumer confidence numbers. Apparently, consumers aren’t so sure this crisis is over. As we reported yesterday, they’re saving money…maybe even at an 8% rate. Oil didn’t move yesterday. Neither did gold. The Wall Street Journal reported that markets were reacting to “mixed data.” That is to say, some reports were encouraging. Others were not. [more...]

Date: 2009-09-30 20:00:05

The House of Dimon: How JPMorgan’s Jamie Dimon Rose to the Top of the Financial World

Sep.29, 2009 in Uncategorized Review “It is easy to read and brings together events in the financial markets over the past 40 years that are helpful to review and reflect upon” (Seeking Alpha) “Crisafulli goes behind the scenes to recount the amazing events that have shaped Dimon’s career” (CEO Middle East, April 2009) “…anyone who reads Ms. Crisafulli’s fiduciary love letter will take away some valuable lessons in running a bank—or, for that matter, a business. [more...]

Date: 2009-09-30 03:51:29

The Secrets of China’s Economy: The Government Owns the Banks rather than the Reverse

“The banks — hard to believe in a time when we’re facing a banking crisis that many of the banks created — are still the most powerful lobby on Capitol Hill. They frankly own the place.” – U.S. Senator Dick Durbin, Democratic Party Whip, April 30, 2009 While the U.S. spends trillions of dollars to bail out its banking system, leaving its economy to languish, China is being called a “miracle economy” that has decoupled from the rest of the world. [more...]

Date: 2009-09-26 11:42:53

FSA introduces latest measures to protect PPI consumers

The Financial Services Authority (FSA) has revealed a package of measures to protect consumers in the Payment Protection Insurance (PPI) market and ensure they are better treated when buying PPI or complaining about it. Single premium PPI products have long been controversial, particularly with consumer watchdogs who claim that the policies are misleadingly front-loaded, accrue outrageous interest, and have strict pay-out terms and conditions. [more...]

Date: 2009-09-30 13:40:06

Where has the Bailout Money Gone? Good Billions After Bad

Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]

Date: 2009-09-28 06:17:36

Buy Here Pay Here Car Lots on Bad Credit

by John Knight Buy here pay here car lots, do not worry about bad credit. We all know how difficult it is to get auto financing if you have bad credit. For that matter, anyone can take just about any kind of financing. There is an estimated 100 million plus of Americans having bad credit. That makes a third of the populace of the United States of America, or over a half of the people considered to be in the car-buying age group. At least you will not feel alone. The economy is really bad. [more...]

Date: 2009-09-29 19:12:01

The Three Factors of Personal Loans

by Martin Elmer A 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. So what is a consumer loan? A consumer loan is a loan taken by an individual. Normally the loans are raised to pay for some kind of buying expense (like a television or a vacation). But it can also be relevant to take a loan to pay other debt. [more...]

Date: 2009-09-28 19:25:44

How Todays Youth is Learning How to Be More Economically Wise From Their Older Relatives

How Todays Youth is Learning How to Be More Economically Wise From Their Older Relatives by Chuck R StewartToday’s youth is an instant gratification population. When they desire something, they want now and many times values a newer thing rather than a quality item. Many people shocked to discover that in a recent study,a group of people ranging in age of 14-29 said that when an item in your house breaks, such as an appliance, they would simply go purchase a new one. [more...]

Date: 2009-09-26 10:51:27

Idiot Journalism

I was gonna write a long screed about the state of the economy, but after a pass through the mainstream press today, particularly the New York Times, ... the hook crap. It sounds like there’s something inherently wrong with the asset. “See that house over yonder, Clem? Fucker’s toxic.” Let’s call these things what they are: bad loans; bad investments; [more...]

Date: 2009-01-16 16:01:30

Need a Payday Loan? Important Tips are Here!

Do you looking for a same day payday loan? The financial help through a no fax payday loan will be a best option for you. Getting a loan on the same day of application is not that complicated because of the increase in payday loans available today. This will help you to manage your unexpected expenses without any delay. You don’t have to waste your time on faxing documents and proofs. If you are not getting approved by one lender, don’t be panic. You can try with other lenders. [more...]

Date: 2009-09-29 18:16:13

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

Housing Grants for Disabled People

by Constance Nagaguchi Have you been thinking of repairing your home or even buying a new house? Buying or repairing a home can cost a bundle of money which most people may not have. However, if you are a disabled veteran, you can apply for government help to offset some of these costs. Many disabled veterans do not know that the government offers these housing grants for the disabled. Millions of dollars are unused every year due to this lack of knowledge. [more...]

Date: 2009-09-25 10:50:13

a few funnies

Here is the Washington Post's Mensa Invitational which once again asked readers to take any word from the dictionary, alter it by adding, subtracting, ... (n.): The act of buying a house, which renders the subject financially impotent for an indefinite ... disease. (This one got extra credit.) 11. Karmageddon : It's like, when everybody is sending off [more...]

Date: 2009-01-16 09:25:21

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