BizLinks and Open Comments | 1.16.09

Bank of America getting bigger bailout, reports new losses -- a rapid return to the trough Creative TARP Counting and the BAC Bailout -- the government floats a $20 billion check Credit Markets Showing Some Signs of Revival Analysts... [more...]

Date: 2009-01-16 13:48:48

Blog posts (186) | Videos (75)
 

Game Day New York

Game Day New York 6:20 AM Dave Johnson checking in from New York… ... left knee)…full credit to him after a sluggish perioed he worked hard..got back in the line ... Report Posted: January 14th, 2009 under Wizards. [more...]

Date: 2009-01-14 11:36:52

A consumer complaint about Consumer Reports

This story just drips with irony! 2 ... be trusted. No fault of theirs, my credit card number got out to some bad guys in Malta or Africa, and the credit card company detected it, contacted me as I was checking into a hotel in NY (by declining [more...]

Date: 2009-01-12 13:57:29

PF Links Sunday While Other Blog is Doing Great

PF Links Sunday While Other Blog is Doing Great I’m happy to report that my new golf blog is coming along great! ... to read and learn from. Frugal Dad checks out and explains to us how we can dispute credit card charges [more...]

Date: 2008-06-15 15:30:50

Checking in on the… Ivy League

David Zeitlin is the RTC correspondent for the Ivy League. Let’s see … what to report from the Ivy League from the last two weeks. Hmm ... and Harvard Celebrate the Win Over BC (photo credit: NBC Sports)When Harvard (9-6) pulled off that shocker [more...]

Date: 2009-01-17 02:22:00

10 ways to effectively estimate and control project costs

Estimating what a project will cost is only half the battle; controlling those costs during the project and after delivery is equally critical. Note: This information is based on a previously published article and is also available as a PDF download . Building a better bottom line is just as important for an IT department as it is for the whole organization at the enterprise level. Implementing sound financial management within an IT framework is broader than simply being more efficient. [more...]

Date: 2009-09-30 07:00:53

Outright Teams Up With PayPal & Expensify to Ease Your Bookkeeping Woes

The tools that we use to run our businesses and organize our lives are supposed to make thing easier. We choose them because we identify a need — a pain point — and are looking for a solution. In my experiences working with small business, bookkeeping is a common area where most folks are looking for some help. In my review of bookkeeping and tax prep service Outright back in April, I highlighted not only its ease of use, but also its ability to play nicely and communicate with other apps. [more...]

Date: 2009-09-29 14:00:05

15 Easy Steps To Starting Your Small Business

Yeah, sure it’s easy, and of course, that title is a little tongue in cheek. It takes a lot of hard work to get a business off the ground. But, it’s worth every hour I’ve spent getting to where I am now. When I decided to start my communication and image consulting business, I tried hard to find a good startup guide. I couldn’t find any that had all the steps. So, I decided to write one. So far, it’s mostly just the bare-bones outline (which is long enough as it is) you see in this article. [more...]

Date: 2009-09-29 20:23:49

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

Germany - The Bitter-Sweet Tears Of Angela von Merkel

German voters gave Chancellor Angela Merkel the green light for a second term on Sunday, along with a clear mandate to form a new government with the liberal Free Democrat Party (FDP). But just what exactly is the new government likely to do? Merlek has been quick to pour cold water on any idea of early tax cuts, “I expect we’ll agree very quickly on tax policy, especially when you look at the leeway we have with the budget,” she is quoted as saying. [more...]

Date: 2009-09-30 22:01:26

QuickBooks Pro 2009 3 User

Amazon. com Product Description Small business accounting software that makes accounting easy with tools to organize your finances all in one place. Track sales & expenses. Click to enlarge. Reduce data entry by downloading your bank & credit card transactions into QuickBooks. Click to enlarge. Create purchase orders. Click to enlarge. Generate reports with one click to see how your business is doing. Click to enlarge. [more...]

Date: 2009-09-29 23:40:46

My Identity may have Been Compromised

I got a notice yesterday that my identity maybe, could have, probably, possibly been compromised. The scariest part of it is the information that was compromised is essentially my entire life, it was a background investigation file. I am fortunate to be close enough to the issue that I know the risk associated with what happened is extremely low if not non existent. Just to be on the safe side I have been provided with 1 year of complimentary credit monitoring. [more...]

Date: 2009-09-29 13:30:32

Scary: Bullet Makers Can't Keep Up With Demand

According to the article, "gun sales spiked when it became clear Obama would be elected a year ago and purchases continued to rise in his first few months of office. The FBI’s National Instant Criminal Background Check System reported that 6.1 million background checks for gun sales were issued from January to May, an increase of 25.6 percent from the same period the year before."This is only the latest news report showing a rise in demand for guns and ammo since Obama took office. [more...]

Date: 2009-09-29 22:05:01

Primary Care Is Being Crushed By A Paper Weight

Ever wonder why your physician only spends 5-10 rushed minutes with you during your office visit? You may think it’s because there are simply too many patients vying for her time, but that’s not the real reason. The root cause is that health insurance companies are stealing time from your visit by requiring excessive documentation from your doctor. She can’t give you the time you need, because doing so would put her out of business. [more...]

Date: 2009-09-30 01:23:26

Ventura County, California Jury Duty tips from a recent potential juror…

Since I only get the privilege of being a potential juror every couple years, I always forget the ins and outs of it. So this time I’m going to capture some notes, notes that hopefully will help me the next time… These are random notes and will not, now or ever, contain trial or trial juror information. They are focused on the “before,” the time period in the Juror Assembly room before or between trials, ie. “ potential juror ” information, tips, thoughts, etc. [more...]

Date: 2009-09-30 23:36:00

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

Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

How Debt Management Programs Affect Your Credit Score

Thoughts on managing debt wisely with debt management programs. How do these programs affect your Equifax credit report and score ? I have been a financial counselor for over two years, and here’s one question I often receive from clients: if I implement your debt management program, how will this affect my credit score? People ask this because they wonder whether getting outside assistance to handle their debt could potentially be a strike against their credit. Well, my response is simple. [more...]

Date: 2009-09-30 08:14:35

Know the Basics of Buying a Home

When it feels about time to stop renting and time to purchase a home there are a few basic things that you should understand. Here are the steps you will need to take in order to make purchasing a home more than just a dream. First, get a copy of your credit report and clean up your credit record as much as possible. This will help you when it is time to get a loan from the bank. Second, go to your bank. Talk to a loan officer and tell them you want to buy a house. [more...]

Date: 2009-09-29 19:52:42

Commodity Currencies Rebound Versus the Dollar

Well… Instead of a “turn around Tuesday”, we’re seeing a whiplash Wednesday! And for once the Big Dog (euro) ( EUR ) didn’t lead the other little dogs (currencies) off the porch to chase the dollar down the street! No… This time it was the currencies of Australia ( AUD ) and New Zealand ( NZD ) that led the charge versus the dollar. The euro has taken up the charge since opening the doors to a new day of trading in Europe, so… It looks like it’s a “take the dollar to the woodshed” day. [more...]

Date: 2009-09-30 14:55:33

Commodity Currencies Rebound Versus the Dollar

Well… Instead of a “turn around Tuesday”, we’re seeing a whiplash Wednesday! And for once the Big Dog (euro) ( EUR ) didn’t lead the other little dogs (currencies) off the porch to chase the dollar down the street! No… This time it was the currencies of Australia ( AUD ) and New Zealand ( NZD ) that led the charge versus the dollar. The euro has taken up the charge since opening the doors to a new day of trading in Europe, so… It looks like it’s a “take the dollar to the woodshed” day. [more...]

Date: 2009-09-30 18:55:42

Filing for Bankruptcy Chapter 13

A lot of people end up looking at bankruptcy chapter 13 when they get into financial difficulties out of which they simple can’t find a way out. Most of them choose to file a bankruptcy chapter 13 where the court will take your entire claimed debts and find you a plan for repayment that matches with what you can actually afford. If you are on the verge of bankruptcy, you should first explore the various bankruptcy alternatives available. [more...]

Date: 2009-09-29 13:17:05

Your Credit Report Card

Mark Frauenfelder is the co-founder of my favorite sites, Boing Boing (which is a “directory of wonderful things”). Mark’s also a GRS reader. He dropped me a line the other day to tell me about a new project he’s been following. Today, Credit.com is launching a free new online financial tool called Credit Report Card . This tool is designed to provide users with a quick snapshot of their credit reports. [more...]

Date: 2009-09-29 18:00:31

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

Great Advice!

Identity Theft is on the rise. The information in this post that I recieved by email has nothing to do with saving money, however, my hope is that this great advise will save you a lot of time and trouble. .1. Do not sign the back of your credit cards. Instead, put 'PHOTO ID REQUIRED.'. 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. [more...]

Date: 2009-09-30 11:47:00

Mortgage Delinquencies Rising – Analyst Blog

Two of the main banking regulators, the OCC and the OTS, jointly released data on mortgage performance in the second quarter today, and the news was not good. The report covers 34 million individual first mortgages totaling about $6 Trillion. All types of delinquencies were up, but most distressing was the information about serious delinquencies, or mortgages that are more than 60 days past due. They reached 5.3% of all mortgages, up from 4.7% in the first quarter, an increase of 11.5%. [more...]

Date: 2009-09-30 20:08:12

Fed Research Sheds Light On Reluctance Of Subprime Lenders To Modify Loans

I came across a research paper published by the Boston Federal Reserve Bank where the researchers looked into among other things a mathematical ... in mountains of cash thawed a “frozen” credit market. So are we stuck with the alternative…do nothing ... the differences. Enter this new report… Subprime Mortgages, Foreclosures, and Urban Neighborhoods [more...]

Date: 2009-01-17 16:45:16

Today's Stimulus Hearing

This morning's Republican hearing on the economy offered several alternatives to the Democratic stimulus package that was set forward just afterward ... : A "net new hire" tax credit, which would make it less risky and expensive for businesses to expand ... businesses to make such investments, as they must currently report depreciation losses slowly over [more...]

Date: 2009-01-15 23:53:16

Avoid the Freshman Financial Fifteen

College students have a lot to deal with: New classes, new surroundings, new friends, and adjusting to a new lifestyle away from home.  It’s easy to get wrapped up in the college scene and forget to take care of your finances, but making good decisions early will pay dividends later.  Here are fifteen financial missteps often made by college students and strategies to avoid them. [more...]

Date: 2009-09-30 15:10:57

What to do now there’s no jobs

Submit this story to: TwitterDiggGoogle BookmarkStumbleUponDel.icio.usTechnoratiHuggReddit Marese: don’t be a sheep! I volunteered to work on a farm because there was no chance of a job in my part of America after I graduated.  In the 1950s, 20-somethings went on a European tour. In the  1960s we dropped out.  In the 1970s we protested, and in the 1980s we got a job. The 1980s then stayed with us right up until the credit crunch. [more...]

Date: 2009-09-30 10:28:02

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

Whiplash Wednesday!

Currencies rebound VS the dollar…Aussie and kiwi lead the currencies higher…Data and Central Bank speeches today…Gold rebounds back to $1,000! And Now… Today’s Pfennig! Good day… And a Wonderful Wednesday to you… Instead of a “turn around Tuesday”, we’re seeing a whiplash Wednesday! And for once in a month of Sundays, the Big Dog, euro didn’t lead the other little dogs (currencies) off the porch to chase the dollar down the street! [more...]

Date: 2009-09-30 19:07:48

Whiplash Wednesday!

Currencies rebound VS the dollar…Aussie and kiwi lead the currencies higher…Data and Central Bank speeches today…Gold rebounds back to $1,000! And Now… Today’s Pfennig! Good day… And a Wonderful Wednesday to you… Instead of a “turn around Tuesday”, we’re seeing a whiplash Wednesday! And for once in a month of Sundays, the Big Dog, euro didn’t lead the other little dogs (currencies) off the porch to chase the dollar down the street! [more...]

Date: 2009-09-30 19:07:48

DEMS SEEK TO BLAME BUSH FOR THEIR MISMANAGEMENT

Submitted by: Clark Havard Fannie, Freddie And Now, Hannie By INVESTOR’S BUSINESS DAILY | Posted Thursday, January 15, 2009  Subprime Crisis: ... % of all subprime loans. Now these chickens are coming home to roost. The mortgage giants, internal memos show ... The media have pounded President Bush for a wave of Hispanic home foreclosures [more...]

Date: 2009-01-16 19:40:15

On Credit Cards and Free Credit Reports.

Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... . I know that paying on time affects my credit score so I always try oblige to my hubby’s reminder. Sometimes [more...]

Date: 2009-01-15 06:40:58

Do You Trust Your Twitter News Sources?

By Mona Nomura of Pixel Bits (FriendFeed/Twitter) Yesterday morning, a disturbing Tweet in ALL CAPS from @BreakingNewsOn caught my eye ... to Twitter to double check the Tweet. It was gone. (But you can see it archived in Twitter search ... - something, anything about the false news report. An hour went by - nothing. So I did the next best [more...]

Date: 2009-01-14 21:04:49

Recession Gets Worse - The Fix Won’t Kill Ya

Recessions have a ripple effect on countries. Problems that start in one sector quickly spread to another ... and the real estate bubble, is now affecting job (the highest unemployment level in 16 years), credit ... released a report today highlighting the crisis. Here’s the key finding: Nationally, to maintain [more...]

Date: 2009-01-09 22:08:39

Bush Says Farewell: One Final Round of BDS

The one thing I could always look forward to over the last 8 years was the BDS (Bush Derangement Syndrome). Sufferers of BDS could always be called on for a good laugh. Sadly, that will be coming to an end (although I’m sure many in the leftosphere will try to pin Obama’s first half dozen or so mistakes on some latent Bush policy that is still [more...]

Date: 2009-01-17 08:13:55

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

Deal with Credit Before Divorce

by Rob Kosberg When you are about to file for divorce, you know that this is a horrible experience no matter how much you want to do it ... . Legal advice may help with this. Finances should be worked out, if at all possible, before the divorce is completed. Credit reports for each partner need to be secured, examined and fixed [more...]

Date: 2009-01-17 22:06:48

IVR (Interactive Voice Response) - A Brief Explanation

IVR (interactive voice response) is a telephony technology that allows users to interact with a database through phone keypad or voice commands ... and inquiries available to the public 24 hours a day. Most of us use IVR systems daily to do things like check bank balances, manage credit cards, check for store hours or locations, or order [more...]

Date: 2009-01-17 04:48:05

First Time Home Buyers: Is Time Running Out?

> The stimulus tax credit of $8,000 for first time home buyers expires on November 30, 2009.  That means your new house has to be signed, sealed, and delivered by the last day of November if you expect to qualify for the federal tax credit.  Is it possible to buy a house, have it inspected, appraised, the financing in place and all closing documents final?  Maybe, maybe not. [more...]

Date: 2009-09-30 16:30:51

Emerald Marketing Payday Loans

Situations, a payday loan but actually these loans are made to save your salary. Sometimes, you just cannot wait any further misfortunes ... in their credit report. The money is short or the borrower to select emergency payday loans. These loans ... the repayment can cost you a substantial amount. Therefore, it is apt to submit the pay emerald marketing [more...]

Date: 2009-01-17 20:21:14

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

Friday wrap

Dem Congress to pump raw sewage into nation's workplaces ... The AFL-CIO advanced an argument detailing why a "majority sign-up" is the best option for preserving "the freedom of working people." Below is a syllogism that encapsulates an argument found on the AFL-CIO website.1. The workplace environment has been poisoned by browbeating employers.2 [more...]

Date: 2009-01-16 11:30:00

Fed calls West’s housing markets feeble

The Fed’s San Francisco unit had its harshest words to date to say about the West’s real estate markets in the first 2009 “Beige Book,” a Federal Reserve Board report on regional economic ... by the bay. (MAP HERE!) In this #1 regional “Beige Book” recap for 2009, (Read full REPORT HERE [more...]

Date: 2009-01-15 08:20:07

Link-O-Rama

As those of you who've inexplicably continued to check the Fat-O-Meter despite no change in months have no doubt noticed, I'm back on the weight-loss plan. Again. This is my third attempt to restart the weight-loss process since dropping 92.5 pounds several years ago only to gain most of it right back, [more...]

Date: 2009-01-16 06:40:28

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