What Is Cesi Debt Free?

by Melinda Harni Each of these websites provides extensive information on different aspects of debt: how to get out of debt, control debt, and on matters related to housing counseling. This is significant, keeping in mind the recent economic recession. Together, all three websites provide all-inclusive information, complete with statistics and figures, in keeping with the CESI philosophy of empowering the consumer on financial matters through knowledge. [more...]

Date: 2009-09-30 23:43:05

Blog posts (198) | Videos (77)
 

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

Consumer Focused Carnival of Real Estate

September 30th, 2009 The guidelines for this carnival . As always, I arranged the entries that met guidelines into three levels, based upon originality, usefulness to the consumer, and how much thought and effort and research went into an entry. STRONGLY RECOMMENDED We have an Editor's Choice! Four Pillars talks about Pocket Listings . A pocket listing is where the listing agent keeps the listing "in his pocket" rather than putting it on MLS. [more...]

Date: 2009-09-30 13:50:49

Stock Market News for September 30, 2009 – Market News

An unexpected drop in consumer confidence sent U.S. stocks lower Tuesday, as signs of stabilization in housing and Walgreen’s solid earnings failed to convince investors about the strength of an economic recovery.  Although stocks rose slightly after the opening bell, the early morning release of the confidence report took the Street by surprise and signaled the American consumers are not as hopeful about an economic turnaround. [more...]

Date: 2009-09-30 14:05:23

William Blum: Anti-Empire Report, Number 74 Ridding the world of the sickness of pacifism

29 September, 2009 — Anti-Empire Report, Number 74Picture the scene: Afghanistan, two hijacked tankers filled with highly inflammable fuel, surrounded by a crowd of Afghans eager to syphon off some for free … What’s the last thing you want to do? Right — drop bombs on the tankers. That’s what a German military commander signaled an American drone airplane to do September 4. Kaboom!! At least 100 human beings incinerated. [more...]

Date: 2009-09-30 09:52:55

The WonkLine: September 30, 2009

Welcome to The WonkLine , a daily 10 a.m. roundup of the latest news about health care, the economy, national security, immigration and climate policy. This is what we’re reading. Tell us what you found in the comments section below, and subscribe to the RSS feed . Also, you can now follow The Wonk Room on Twitter .   Climate Nike becomes the fourth company in a week to resign from the board of directors of the U.S. [more...]

Date: 2009-09-30 14:23:59

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

Credit Repair Company

by Brent Hansen Bad credit history can bar one from getting a job, getting a loan, obtaining a lease or even in securing credit. Several people look for ways through which they can repair their credit in order to obtain or secure the credit they are looking for. This is because most of the lenders consider the credit history to be accurate and the best means that can help in judging an individual especially for prompt payments. [more...]

Date: 2009-09-30 12:07:14

Government help for the bank lending: just “get on with it”

Last weekend the Prime Minister announced yet another “anti-recession” plan which included the “creation of up to 100,000 new jobs” ... that households are reining in after the years of credit-fuelled excess. Two key indicators are housing equity ... and car show rooms. The saving ratio collapsed in late 2007 and actually turned negative [more...]

Date: 2009-01-08 21:14:21

Four at Four: A Familiar, Comforting Sort of Lousiness

The extended Santa Claus rally was cut off late last week and has run into a more alarming reality this week (other than Santa not being real) ... on the financial companies, and the silver lining appears to be that credit spreads and short-term lending ... should be, relative to the movement on the S&P 500.” So in other words, it’s still bad, but [more...]

Date: 2009-01-14 12:59:00

CPI at .1% Annually, Smallest Increase Since 1954

Even without properly accounting for housing which would drive the CPI hugely negative, the 2008 U.S. Consumer Price Gains Slow to 0 ... and energy, costs were unchanged. Today’s report underscores the destruction of companies’ pricing power ... debts harder to pay off. Federal Reserve Bank of San Francisco President Janet Yellen warned [more...]

Date: 2009-01-16 17:33:27

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

E. Online Resources (2)

• http://ftc.gov The Federal Trade Commission’s website provides free publications on many consumer topics, including credit repair. It also provides links to the full text of numerous consumer protection laws (click on “Rules & Acts” in any of the consumer topics). • www.pueblo.gsa.gov The Consumer Information Center provides the latest in consumer news as well as many publications of interest to consumers, including the Consumer Information Catalog. [more...]

Date: 2009-09-30 02:07:22

De-leveraging the Children of Wall Street

submitted by James Baker Welch, VP of Rothschild Investments One of the most stunning facts of the 2008 Financial Melt-down has been the wholesale ... regulatory agencies to determine if the institution has met the credit needs of its entire community. 1   The CRA began to compel banks to underwrite less credit-worthy mortgage loans in order [more...]

Date: 2009-01-15 15:40:18

Highlights and Lowlights of BofA’s Earnings Call

Bank of America moved its earnings announcement up to this morning to soothe investors after The Wall Street Journal’s report that BofA would need ... and $27 billion in credit costs. Many of the problems originated at Merrill Lynch, which had a loss ... Goldman Sachs research analysts noted wryly in a research report this morning. BofA CEO Ken Lewis [more...]

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

Republican Study Committee Proposes Ineffective Tax Cuts, Destructive Spending Reduction For Stimulus

yesterday, which Matthew Yglesias noted is a “barrel full” of permanent tax cuts. Today, Rep. Eric Cantor (R-VA) ... to do with the taxes they may pay in the future and everything to do with a fear of losing money because there is no demand in the economy, asset prices are highly volatile, and credit is hard to come [more...]

Date: 2009-01-14 23:20:45

How To Get Your Free Government Credit Report

How To Get Your Free Government Credit Report by Andy ZainBy law, you are entitled to one free government credit report each year, but you have to apply to get it. The consumer reporting companies are covered by the Fair Credit Reporting Act to ensure privacy and accuracy.Contained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-30 08:17:23

Not So Happy New Year As Financial Crisis & Pain Grow; Home Prices & Consumer Confidence Down Dramatically; Will 2010 Be Better?

Happy New Year! If you are like most people, that may sound a bit like wishful thinking this time around. And, I’m afraid, with good reason ... markets, the news agency reports. Any good news? Well, yeah. I suppose. Sort of. If you have money or can get money (many can’t nowadays even with pretty good credit scores) then you can probably find [more...]

Date: 2008-12-31 21:56:06

Citi to chop more jobs, again?

Citi CEO Vikram Pandit is ripping apart the company and surely firing even more yet the arrogant and incompetent CEO struggled at the end of 2008 with the question of whether or not he would pay himself a bonus. At least he's now at the center ... that essentially sound a death knell for its financial-services supermarket model, according to a [more...]

Date: 2009-01-14 20:55:02

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

Circuit City To Liquidate… Over 30,000 Jobs To Be Cut

Bankrupt Circuit City Stores Inc., unable to work out a sale of the company, said Friday it will go out of business _ closing its 567 U.S ... had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market and consumer worries ... Capital Partners LLC, SB Capital Group LLC and Tiger Capital Group LLC as liquidators. They will pay [more...]

Date: 2009-01-16 21:58:08

JP Morgan chairman Dimon warns worse still to come for U.S. Economy

from the Daily Telegraph:The head of JP Morgan Chase has warned of worse to come for the US economy in 2009 as he unveiled “very disappointing” ... of $17.2bn. In contrast, most of the bank’s competitors are expected to report multi-billion dollar losses ... s Investors Service lowered its credit rating on JP Morgan, citing its “poor prospect” of generating [more...]

Date: 2009-01-18 03:29:08

When Retail Sales Miss Forecasts, Expect Selloffs

If 2008’s pattern holds, investors should give up on expecting a market rally today ... produced an average loss of 0.35%. Wednesday’s report was a disaster, as retail sales fell 2.7 ... responsible, but “the bottom line is that discretionary consumer spending has given way under the weight [more...]

Date: 2009-01-14 15:45:49

When Retail Sales Miss Forecasts, Expect Selloffs

If 2008’s pattern holds, investors should give up on expecting a market rally today ... produced an average loss of 0.35%. Wednesday’s report was a disaster, as retail sales fell 2.7 ... responsible, but “the bottom line is that discretionary consumer spending has given way under the weight [more...]

Date: 2009-01-14 18:45:00

International Marketing Review #35

International Marketing Review - Globalization and the Global Economy Click here for a list of previous International Marketing Reviews [ ... ? posted at Global Business Perspectives saying “Everyone is talking about how companies can cope better when national recessions hit because of situations like the recent credit crunch and the subsequent [more...]

Date: 2009-01-17 11:19:04

Animal Collective is a Band Created By/For/On the Internet

This is a post about Animal Collective I listen to the Animal Collectives on a weekly basis. I think I ‘like’ them because they are differentiated from ‘traditional music’ and ‘modern indie music.’ When I listen to them, I exist on a higher plane of musical appreciation and consume products for ‘all the right reasons [more...]

Date: 2009-01-14 01:11:55

ADP Says US Companies Cut 254000 Jobs This Month

Sept. 30 (Bloomberg) -- Companies in the U.S. cut 254,000jobs this month, more than forecast, a private report based onpayroll data showed today. The estimated drop, which was the smallest since July 2008,compares with a revised 277,000 decline the prior month, figuresfrom ADP Employer Services showed. The ADP report was forecastto show a decline of 200,000 jobs, according to the medianestimate of 33 economists in a Bloomberg survey. Projectionsranged from decreases of 300,000 to 133,000. [more...]

Date: 2009-09-30 12:56:34

Revised G.D.P. Figures Show Signs That Recession May Be Ending

It now appears that the economy shrank even less than first calculated in the second quarter: The American economy performed better than expected this spring, contracting at its slowest pace in a year, the government reported on Wednesday. The report offered more evidence that the recession probably ended this summer, and that the economy would now grow through the end of the year. [more...]

Date: 2009-09-30 15:38:47

Latest News in Credit History and Jobs - Jan 16, 2009

Edmonton Rush - Edmonton Sun 16 Jan 2009 at 2:15am Had a hat-trick in the opening game of the season last week in Calgary ... at 8:35am Friday, January 16, 2009 But giving her strong endorsement to the history-making package ... analysts judged over-optimistic given the mass destruction of jobs in a credit-starved economy. “The … [more...]

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

U.S. Exports Continue Their Downward Trend

Last year, while the U.S. dollar was down, manufacturers were joyfully experiencing one of the the loan bright spots in the U.S ... report showed that U.S. exports were down again, for the fourth consecutive time. Is there any bright ... Spectator looks closer at the latest trade report in his blog post below. The trade boom is fading [more...]

Date: 2009-01-08 02:13:42

p2pnet World Headlines – Sept 30, 2009

Two-Thirds of Americans Object to Online Tracking New York Times About two-thirds of Americans object to online tracking by advertisers — and that number rises once they learn the different ways marketers are following their online movements, according to a new survey from professors at the University of Pennsylvania and the University of California, Berkeley. [more...]

Date: 2009-09-30 18:20:04

panch-tattva talk…the banks

Friends,The world’s biggest banks have been showing huge but expected losses. City Bank and BoA have shown losses but are under care of state. Since they will be funded , the overall credit cruch will be to lesser extent. Back in India ... credit cards. The general public does not gather the full implication of it all. Then comes the case [more...]

Date: 2009-01-17 18:30:54

Working Too Closely With Republicans Is Toxic For Obama's Plans To Reform Health Care-- And Unhealthy For Americans

This looks like such a nice headline, doesn't it?-- Daschle Pledges a Bipartisan Reform of Health Care System ... and Louise" style campaign by the Insurance and HMO giants aimed at tanking it. Of course, that begs ... with-- a selfish, racist, greed-and-bribery-obsessed bunch who turned down health insurance for needy [more...]

Date: 2009-01-09 15:55:45

Another Quasi-Nationalization, House Debuts Obama Stimulus, Russian Resource War Approaches, Prices Fall and More!

by Addison Wiggin & Ian Mathias Congress unleashes remainder of TARP… another $350 billion into the void Treasury wastes no time… Bank of America quasi-nationalized Dan Denning on the real issue plaguing American financials Obama’s fiscal tenure off to terrific start… $825 billion stimulus bill, [more...]

Date: 2009-01-16 20:25:19

UK Drowning in Debt, Is Debt Management a Way Out?

by Phillip Evans Are we in the UK drowning in Debt? According to the insurer AXA, some 11.6 million people (25 per cent of the adult population) ... , admitting their finances are entirely out of control. The report suggests that over 3.7 million people are reported to be struggling to cope with mounting credit card bills and just over a million [more...]

Date: 2009-01-16 15:34:09

Sunday Papers 18 Jan 2008

Pushed for time this week, so the Bloggosphere round-up is a little short - I’m off on another real-world assignment to the darkest corners of Asia this coming week, but I’ve left you with plenty to read below, and have scheduled a load of articles to appear each day while I’m away - have fun y’all [more...]

Date: 2009-01-18 06:41:32

DrumBeat: January 13, 2009

Analysis: Global power demand to languish in 2009 The outlook for energy commodities this year remains grim, says a new report from Merril Lynch. Neither cold winter temperatures in the Northern Hemisphere nor a steep fall in the price of energy have provided much support to the demand for oil, natural gas or coal [more...]

Date: 2009-01-08 01:35:34

Consumer Credit Counseling

Consumer Credit Counseling January 17, 2009 at 5:00 pm · Filed under Credit Counseling Services div style=’float: right; width: 100px; padding: ... on financed loans and credit card debt can become onerous and when you add in penalties and late fees ... impossible for anyone to compete in today’s arena without the aid of a credit card. And that’ [more...]

Date: 2009-01-17 22:00:36

The Next Step for the U.S. Bank Bailout

From the WSJ: U.S. Plots New Phase in Banking Bailout Officials at the Treasury, Federal Reserve and Federal Deposit Insurance Corp ... has a table of credit losses based on estimates from Goldman Sachs: $1.1 trillion from residential mortgages ... a government bank that would buy up the bad investments and loans that are behind the huge losses [more...]

Date: 2009-01-17 18:31:35

Got TARP? How About Tax Haven Subs?

As we arrive (almost) at the inauguration of the new administration, we are still facing an enormous financial system problem, headed by banks that got too big and gorged on the profits from speculating in risky derivatives at a cost ultimately to be borne by the taxpayers [more...]

Date: 2009-01-16 20:53:31

You Need Credit Scores With A Credit Report

By John Rasor the importance of knowing and understanding your credit history and score I recently logged on to annualcreditreport ... that people with bad credit are more likely to file a claim than people with good credit. As a result ... .com to get my once a year free credit report but to my surprise there were no credit scores [more...]

Date: 2009-01-17 19:01:47

Posts about Tri-State Real Estate (FL, GA and AL) as of January 16, 2009

Foreclosures And The Mortgage Meltdown Continues to Plague America - usreoproperties ... either being foreclosed upon or delinquent. The nation … package aiming to thaw the frozen credit ... 01/16/2009 Toyota is developing a miniature, environmentally friendly car that is powered entirely [more...]

Date: 2009-01-16 14:21:19

Posts about Mortgage Market Report as of January 16, 2009

Drug and Alcohol Rehab - ahabloging.com 01/16/2009 Drug and Alcohol Rehab Drug abuse and alcohol abuse becomes more increasing from year to year, ... Reserve’s latest beige book report (an analysis The Smell Of Panic In The Air For The Economy ... Department report was that in December there was a massive 524,000 decline New Home Building Sinks [more...]

Date: 2009-01-16 12:18:17

Solutions For Refinancing With Bankruptcy

Even if you have filed for chapter 7 or chapter 13 bankruptcy, you still have the option to refinance using the equity in your house as collateral, ... , but you will likely pay above prime for your home equity loan. Bankruptcy is not the end of your credit ... and many lending institutions will accept your business, even with your poor credit history [more...]

Date: 2009-01-18 09:01:02

ChexSystems: Who They Are and How it Affects You

ChexSystems is a company that maintains a subscriber membership service used in the banking industry ... to the same laws as the Credit Bureaus that we are all familiar with: Experian, Equifax, and Trans Union ... . The members consist mainly of Banks, and Credit Unions, but can include other types of Financial [more...]

Date: 2009-01-17 09:00:05

A Mindless Minority

Tonight after the Farewell Address of the occupied White House, ... a little beating of drums to get out the bad spirits might work well. I am no authority. But next ... . Sadly, watching the right wing scrambling about trying to keep the bad spirits in our government [more...]

Date: 2009-01-15 18:31:14

Electronics retailer eyes DSF to (Www.OSIR.org.in) boost sales - Business24-7

Retailers in the UAE are optimistic to buck the global trend of slowdown in sales ... Circuit City had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market ... replaced all of its most senior executives, according to a report by the Korea Herald . The Samsung Group [more...]

Date: 2009-01-17 22:45:04

Class Action Lawsuit Against The Credit Card Companies

This is an interview with Samuel Deskin of the Deskin Law Firm about the possibility of a class action lawsuit against the major credit card ... ! This is Connie Brooks from Ask Mr. Credit Card.com We’re here today to discuss one of the problems created by the current downturn in the economy. Credit card companies have been unexpectedly lowering [more...]

Date: 2009-01-16 07:45:22

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