If You Have A Debt Problem, Then Admit It!

You Can’t Solve A Debt Problem If You Deny Its Existence.  If you have a major debt problem and want to end it, then go look at yourself in a mirror and say, "I have a huge debt problem, it’s suffocating me, and it’s taking away my freedom", or whatever words feel right to you. If it felt real and you shuddered, then you’re most likely ready to start getting out of debt, but if you think that having overwhelming debts is: a) no big deal,b) something that everybody has right now,c) something [more...]

Date: 2009-09-30 20:42:18

Blog posts (555) | Videos (96)
 

Pretending To Fly In California

The Press Democrat reports from California. “The collapse of the housing bubble continues to reverberate through Sonoma County, according to a report issued Tuesday. Just over half of the homes sold in August were dumped by desperate owners trying to avoid foreclosure or by banks that seized them from borrowers who fell behind on their mortgages [more...]

Date: 2008-09-17 19:31:08

Profiting from Payday Loans in 2009

On an otherwise normal evening in 1964, a woman known as “Miss Witness” received a disturbing telephone call from alleged loan shark Frank Sacco ... . Prices are still crashing - currently sitting about 35% below a year earlier. Credit is nearly frozen. Banks and credit card companies alike are buckling down and leaving very little money free [more...]

Date: 2009-01-16 19:38:12

The Past Is History

It’s Friday desk clearing time for this blogger. “Since she put her Norfolk rental home on the market four months ago, ... against their home equity through subprime loans will find it virtually impossible to refinance ... , now their loans are adjusted and they can’t make the payments,’ said Daniel Murphy, owner of Seaside Mortgage Co [more...]

Date: 2008-10-10 20:55:09

SACRIFICES

SACRIFICESJ. Crofthttp://freedomguide.blogspot.comSacrifice. The ugliest word in today’s ‘murika’-because it means giving up something, to the point where it’s presently painful. A lot of times not even for your own benefit. Which is understandable given how we’re literally programmed by mass marketed consumer culture that we deserve everything [more...]

Date: 2009-01-13 17:56:00

2008 Year in Review - A Look Back (1 of 3)

What follows are excerpts of posts from 2008. It was a busy year.George Bush and Karl Rove were masters of politics and the two stooges of policy, a frightening reminder that voters can be easier to seduce than reality.-----------Why not build the Escher Expressway – build all roads to slope downhill as a means to improve gas mileage? [more...]

Date: 2009-01-02 07:53:00

On The Power Of Barter...

I really like bartering. I trade my labor and my vegetables for free-range chicken and eggs, and organic beef (and manure compost) ... : “We allow direct debit, cash, cheque, credit card. But barter? It’s unheard of, sir.”My accountant ... , I’ve been thinking recently about doing without money. Not in a bad way. Oh no: I’m planning [more...]

Date: 2009-01-13 00:59:00

Leveraged Finance Defined

Leveraged finance relates to funding a business, a company or another investment using more debt than would be considered normal ... -out, to repurchase some shares, or to fund a dividend. Although different banks offer different options ... loans that offer a high rate of interest in order to reflect the higher risk that is posed [more...]

Date: 2009-01-05 13:08:44

A dozen money-saving holiday spending tips

1. Open a current account with the Nationwide, the only UK high street financial institution that does not charge its customers for using their bank ... and credit card providers before your trip to advise them you are going overseas. This will prevent them ... your bank debit card and never a credit card. Credit cards levy a higher ATM transaction fee [more...]

Date: 2009-01-07 18:41:00

I WANNA A NEW DRUG... ONE THAT WON'T MAKE ME SICK

Some may say this is a bit of a rant, but I believe it needs to be said, and it's my blog, so I will say it ... 2.  Credit card debt is at an all-time, unsustainable high 3.  The banking industry is in total meltdown ... to see what happens?   I'd like to offer another alternative... Pay Attention!  Each [more...]

Date: 2009-01-15 15:52:31

Gates of Vienna News Feed 11/12/2008

Some headlines to look at:“Muslim Killed Catholic Girl in Love With Flatmate”“London Fundraisers Linked to Stoning of 13-Year-Old”“Possibly Tens of Thousands of Somalis in the US Illegally”“New Anti-Christian Attack in Mosul, Two Sisters Killed”But then there’s this:“Denmark: Ready to Ban Headscarves for Judges”So it’s not all bad news.Thanks [more...]

Date: 2008-11-13 04:52:00

Car(e)less in LA, The Wong Sans Wheels Chronicles #9: Zipcrap

Argh! How did Zipcar manage to ruin my Sunday? I've had an hour and half to calm down ( ... to practically throw all the benefits of it in reverse in one really bad interaction with their customer ... .) 2. Sometimes the cars have hubcaps missing or expired tags. (Though, to their credit, if you report [more...]

Date: 2009-01-12 18:06:52

McCain's Bitter-Gate by dday By now you may have heard that McCain's top economic adviser, former Senator Phil Gramm, ... losing jobs to India, China, illegal immigration, housing and credit problems and record oil prices ... bad individuals. It is the consequence of triumph by a particular philosophy of government [more...]

Date: 2008-07-10 21:35:03

Credit Cards Dealing With Bankruptcy

by John Steed When a person or organization or institution files for bankruptcy, it is not always because they are unable to pay their creditors ... . The commonest of these are the institutions that offer credit card facilities. The advantage of going ... . As a requirement, the debtor is required to have an up-to-date copy of your credit history, good [more...]

Date: 2009-01-14 20:27:17

Comments

Jennifer Aniston Has No Clothes First of all, I'd like to apologize to all you fans of Jennifer Aniston out there who continue to find solace in this woman's wooden acting and lackluster films and her now four-year crusade to let Angelina Jolie and Brad Pitt know she's nonplussed about the whole cheating/marriage break-up thing [more...]

Date: 2008-12-12 15:43:39

Bad Credit Credit Cards – Low Interest Rate Cards Doable?

Bad credit credit cards have greatly gained in popularity since the beginning of the recession.  The question that many borrowers want answered is “are low interest rates doable for a bad credit credit card?”  The only way to answer this question is to find out your credit score.  If you truly have bad credit it is very unlikely that you can get a low interest rate.  Credit card companies have gotten much more strict with their lending practices since the beginning of the credit crisis. [more...]

Date: 2009-09-28 18:43:47

savings accounts in problem banks. Gen X Finance asks if you got suckered into a fake gas price hike from hurricane Ike ... Posts:A Credit Card Survey, Passive Income, Car Payments @ The Carnival Money Articles To Make ... 29. Rich Credit Debt Loan suggests ways to undo the results of financial trauma. Money Ning [more...]

Date: 2008-09-16 16:36:41

“I did see that Tina Fey was named entertainer of the year and Katie Couric’s ratings have risen. And I know that a lot of people are capitalizing on, oh I don’t know, perhaps some exploiting that was done via me, my family, my administration. That’s a little bit perplexing, but it also says a great deal about our society [more...]

Date: 2009-01-13 12:37:59

Wimbledon Live - Stream or Download Matches

Wimbledon 2008 starts today and runs to July 6 and I discovered that Wimbledon provides a two week ‘Wimbledon Live‘ service. For a flat fee of $24 ... them my credit card. This kind-of defeats the “free” part of the ‘Download (FREE)’ offer. Read ... of the 2005 Federer vs. Roddick Wimbledon Final. The quality wasn’t great (see pic above), but it [more...]

Date: 2008-06-23 11:46:43

My Resignation

I have to leave my recent company which I have worked with for almost 4 years & 8 months (April 04 - Dec 08) due to some unavoidable reasons ... of things need to be taken into account:1. Cash Flow Issue: daily expenditure, car loan, PTPTN loan, credit card debts & etc2. Economy Crisis : during global economy down time, most companies are recently [more...]

Date: 2009-01-15 10:00:00

Information on Couchsurfing

Accommodation is one of the biggest day to day expenses travelers have and everyone is constantly looking for the best value they can find ... . They can be verified by other travelers, with a mailing address, or credit card. If a person is verified ... with people in various cities that offer free places to stay. Sometimes it’s a bed, sometimes it’s a [more...]

Date: 2009-01-14 07:05:02

Making a list, checking it twice…

Ah, I do love making resolutions. I generally revise them on a monthly basis – goals are good! – but here's a snippet of what I'm plotting for 2009 ... some more friends who enjoy playing board games. 7. Part ways with the credit card, for good. Learn to love ... more, hold doors open for people more, offer up my seat on the subway more, make funny [more...]

Date: 2009-01-02 14:26:51

A Plan For Turning The Economy Around

I wouldn’t call myself an economic genius, but lately it seems that those who have been considered economic geniuses haven’t given us much to praise ... we had to end up buying something from. Second, move up the implementation of the credit card plan ... we’ll all do. Third, change the criteria that lenders, including credit card lenders, use [more...]

Date: 2009-01-10 20:03:38

Talk is cheap, Nick… (Updated)

It might have made Aaron’s daily news round-up, but Nick Clegg’s comments in today’s Indy exemplify just about everything I find really irritating about opposition politicians… State intervention is needed in some areas. We need immediate action to stop unjustified repossessions of homes and business assets [more...]

Date: 2008-10-09 14:56:08

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

Want to come upstairs and see my credit score?

When should you do it? On the third date? After meeting her parents? Half-way through the first date? When it just feels right? ... . But unlike family ties, it can be nearly impossible to sever yourself from bad credit. This column ... significant other about his or her credit score probably makes you squeamish, but it’s a subject [more...]

Date: 2008-08-19 10:00:00

Indian Secularism: A status report by Shah Abdul Halim

Technorati Tags: India,Bharat,Indian secularism,Hindu religious bigotry,Muslims پاکستاان لیجر | PAKISTAN LEDGER | پاکستاني کھاتا  |Sept. 25th, 08 | Moin Ansari |  معین آنصآرّی |   State of Indian Secularism Shah Abdul Halim I am a Muslim, I cannot help my tears; I have gone through fifty nine long years, Suffering pangs of hunger, [more...]

Date: 2008-10-09 03:19:03

The First To Fall And The Last To Rise

The Manteca Bulletin reports from California. “In the go-go days of stratospheric housing price increases some newer neighborhoods - such as Woodward Park, Diamond Oaks, and Villa Ticino - were seeing prices jump as much as $5,000 a month. Now those neighborhoods have returned back to earth as closed deals so far this month signal that banks are [more...]

Date: 2008-10-11 18:59:11

How Entrepreneurs Can Survive a Cash-Flow Crisis

by Jill Hamburg Coplan | BusinessWeek If you see a crunch coming, barter, liquidate inventory, ask clients for advance payments, ... in advance, and by credit card. Most clients will resist paying up front, but a few may prefer ... is looking pretty bare for entrepreneurs, grappling with a recession, a credit crisis, and the fallout [more...]

Date: 2009-01-07 22:22:01

Guest Post: Obstacles or Excuses for Inaction?

Editor's Note: Last week, Treasury Secretary Henry Paulson said that he planned to expand the $700 billion bailout plan to aid private student loan ... of these loans and the current state of the economy. So why are student loan providers so unwilling ... graduate living in the Bronx, called our Student Loan Borrower Assistance phone line the other day [more...]

Date: 2008-11-18 16:20:09

Are You A Candidate For A Short Sale Or A Foreclosure In Atlanta?

Helping Select Atlanta Homeowners Avoid A Foreclosure One of the most difficult decisions a homeowner can make is to take action to leave a home ... is sold and the lender releases their lien for an amount less than what is owed. For this to occur, any ... of a foreclosure on your credit file… and many candidates for a short sale have otherwise fairly [more...]

Date: 2008-11-26 23:15:58

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

One Sad Turtle

When I walked into Chez Oskar for a date with a librarian I was expecting an interesting evening that may or may not go somewhere. I have often been told my expectations are too high.    I take full responsibility for the evening. I met him on Craig’s List, where I swear, from now on I will only shop for sofas and kitchen appliances, not men [more...]

Date: 2009-01-18 00:36:04

19th Finance Fiesta!  I hope you checked them out, if not be sure to look at all the great posts ... t dream anymore“, and I gotta agree Mrs Micah talks about throwing good money after bad, for me it’ ... want to because my DH is feeling the itch before the weather gets bad! My grandmother [more...]

Date: 2008-10-09 13:00:05

GayGamer's Guide To Importing!

If you're unlucky enough to live in a PAL region like me then you know how long we have to wait for even the biggest titles. Weeks, months or even years (it's true! Look at Phoienx Wright and the Trauma Center series for example), most of the time it's a guessing game as to we'll get a game any time soon, especially with the "niche" [more...]

Date: 2008-07-06 11:34:31

Couchsurfing

Couchsurfing January 7th, 2009 Accommodation is one of the biggest day to day expenses travelers have and everyone is constantly looking for the ... travelers, with a mailing address, or credit card. If a person took the time to get verified ... connects travelers with people in various cities that offer free places to stay. Sometimes it’s a bed [more...]

Date: 2009-01-08 00:19:59

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... of shopping around for good rates, and low costs. A lot of the places were able to offer us good rates ... of the day) Giveaway for a 6-month subscription to the Wall Street Journal $100 Target Gift Card [more...]

Date: 2009-01-14 16:21:15

Eleven (Nearly) Effortless Ways to Save Money Each Month

I confess, I haven’t had much energy the last few weeks.  Making any significant overhauls to our financial plan, our budget, etc ... lot of effort.1. Cut cell phone service down to minimum. Talk to your current provider about reducing ... our cell phone provider to tell us the average paid minutes we used over the last six months [more...]

Date: 2008-11-13 18:00:52

Parallels

Op-Ed: The Second Great Depression? Minyanville Staff Oct 06, 2008 2:45 pm This country has been living in false prosperity since the early 1980s: ... recent flow of funds data shows that total credit market debt is $51 trillion; our GDP is $14.3 ... by the Federal Reserve in the 1920s, leading to an unsustainable credit driven boom. Both Friedrich [more...]

Date: 2008-10-10 19:17:30

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

White House Philosophy Stoked Mortgage Bonfire

From The New York Times:“We can put light where there’s darkness, and hope where there’s despondency in this country ... , chairman of the Federal Reserve, laid out the latest terrifying news: The credit markets, gripped ... he so ardently championed. There are plenty of culprits, like lenders who peddled easy credit [more...]

Date: 2008-12-21 14:39:00

Roman Polanski is Not a Victim

Enough already. The Global Committee to Defend Roman Polanski is shocked and appalled by the arrest of their talented friend in Switzerland over the weekend. This quote from our colleague Bruce Crumley's report from France provides a flavor of the outrage: "To see him thrown to the lions and put in prison because of ancient history [more...]

Date: 2009-09-28 21:33:59

Stewardship and Social Responsibility

“Scent marketing, especially at the scale proposed by Brumfiled , clearly intrudes into basic human rights issues ... , 2009 P.T. Barnum is alleged to have said, “There’s no such thing as bad publicity as long ... and, hopefully, offer some reassurance. Will the increasing use of scent as a marketing, branding [more...]

Date: 2009-01-14 00:19:30

Harriet Miers, Monica, etc.

Hump day, hump day. Almost made it to the weekend. Hold on, everybody. We'll get there. :DI got seven e-mails saying they enjoyed Isaiah's comic yesterday and encouraged me to highlight another one. Beau actually had one picked out. "A Flunky Scorned."That's Harriet Miers punking out the Democrats. They should have forced her to appear [more...]

Date: 2009-01-15 03:47:00

Free download of Suze Orman book

While considering financial resolutions, here's another option -- one that will save a few bucks on books ... within your means, rather than running up credit card ... debt leaves you better able to weather ... that infomercial phrase) -- the offer expires Jan. 15. Orman is a media darling these days, thanks [more...]

Date: 2009-01-09 18:42:18

No Fee Balance Transfer Offers Rise Again

Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]

Date: 2009-09-29 15:20:06

Avoid These Three “Short-Term” Loans

Payday Loan Storefront In an ideal world, when you needed to borrow some money, you could just walk into your bank and just ask ... earned from folks who didn’t know they were getting a loan in the first place? Probably more than you’d think. Payday Loans Need a few extra bucks to make it through to your next paycheck? How [more...]

Date: 2008-11-03 10:50:51

Wrangling with email contact lists and Christmas card mass mailing options

I have spent at least four hours today (and yes, it IS/WAS Christmas, so this was ostensibly fun/vacation time) ... License photo credit: notoriousxl I have been dealing with two related but different challenges: “ ... email addresses (without identifying names) over the years. (This is in-part due to bad contact [more...]

Date: 2008-12-26 07:20:00

Paying By Credit Card At the Gas Pump and Refusing To Use Cash

Oh great - well I hope this article doesn’t foretell or signify a trend that’s going to be widely picked up by the gas industry in the coming future. While they’ve been one of the most credit card friendly industries in the past, some gas station ... to diminishing profit margins caused by higher gas prices and rising credit card interchange fees. [more...]

Date: 2008-06-25 08:39:47

Mark My Words

The year 2008 is now a part of history, but I am sure we will be feeling the effects of its aftermath for years to come ... a job in credit card collections for a major banking institution. Even back then, many ... or another. It is too bad that so many of our politicians, the ones we trust to lead our country still [more...]

Date: 2009-01-07 19:16:06

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