Happy New Year Facebook - your employees think you’re lying about advertising. And they may have a point

A gremlin inside Facebook - or more likely a disgruntled employee - briefly hacked Facebook in the last few hours ... get you a 2:1″ and Bad credit? Get a credit card with 39.9% APR!’. Classy.” The thing is, social ... and business, then why do I get shown ads for Credit Rating Reports, as I did today? On thing’ [more...]

Date: 2009-01-05 11:59:10

Blog posts (156) | Videos (59)
 

Real Estate investing and bad credit reports

by Doc Schmyz In today’s world our credit score is everything. Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit can reduce the opportunities of things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]

Date: 2008-12-31 15:40:09

Consumers Get a Break on Credit Cards - Finally

First the bad news: these rules don’t take effect until July, 2010 ... barring the deceptive and punitive practices of many credit card issuers. The policy statement ... thirty days late on a payment. In that case, credit card issuers can still increase your interest rate [more...]

Date: 2008-12-19 01:43:31

The Fannie/Freddy bailout

It’s almost as if the feds are trying to flush the economy down the crapper ... holders of U.S. Treasury bonds. -Higher rates are bad for anyone with a mortgage, credit card debt, a home equity loan, a margin account, etc. -Higher rates also increase the government’s debt burden [more...]

Date: 2008-07-15 01:21:54

Need Help With Money

It’s normal for people to make mistakes when it comes to money, but with the economy being in the state it is in now, ... get access to auto loans, credit cards, mortgages, and student loans.    Keeping your credit rating high ... you may need to correct some of your bad money habits to survive the recession. The most common [more...]

Date: 2009-01-16 01:57:49

USAA just hollered - They're raising my credit card rates!

Yup, even my beloved USAA is fighting the good fight these days. Got a nice little letter in the mail yesterday ( ... in full each month.Card #2 - the "Auto Loan" card: $30,000 limit with a locked in 3.4% rate for 1 year ... that the credit limits don't get slashed next :( I pumped those bad boys up to help our credit [more...]

Date: 2008-12-18 16:20:55

Bills IQ for your Debt Relief

In our complicated world today, many of us are trying to make most out of our money on hand ... has a Credit card debt. Each one of us is definite to be burden on credit debts and bad credit standing. So, what to do when one is not financially capable or has a degrading credit rating? What else [more...]

Date: 2008-08-23 06:06:10

You Say You Want a Regulation?

As if the economic news weren't bad enough at the moment, ... lenders from raising interest rates on existing balances unless a payment is received late. Credit card ... . Enter new "credit card regulations" issued by the Federal Reserve, Office of Thrift Supervision [more...]

Date: 2008-12-29 14:00:48

Study More About Unsecured Debt Consolidation Loans - Avoid Being Rejected

Unsecured loans with bad credit can be the answer for anybody who is having problems managing their expenses and does not have anything to offer as ... people find that they have many small debts on credit cards, store accounts, plus car loans, etc ... get a consolidation loan at a lower rate of interest than many of your other bills. Credit cards and [more...]

Date: 2008-12-29 15:51:16

The Strategic Advantages Of Maximizing Natural Business Growth

By Donald Mitchell Growth can occur naturally . . . or it can be forced by using bad methods ... on unsustainable gimmicks to grow their businesses (such as zero percent interest car loans, 125 percent of assessed value home loans with teaser rates, and tripling interest rates on credit cards for those [more...]

Date: 2009-01-14 05:02:38

Real Estate investing and bad credit reports

by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . You will be able to pay your bills on time. Having bad credit reduces the opportunities of these things. You may get approved for a loan or for a credit card but with a higher interest rate [more...]

Date: 2008-12-25 10:33:44

Mission and Recession

by Skye Jethani The financial talking heads are attributing the current economic crisis to a number of things: lack of regulatory oversight, ... rate and over $8000 in credit card debt. As Dave Ramsey says, we are not “acting our wage.” ... bad mortgage lending practices, and globalized market structures. But some of the more plainspoken [more...]

Date: 2008-12-10 17:00:51

Disposable mobile broadband - my experience

Someone close to me is going into hospital for an operation soon. They want to take their Mac with them for web and email access while recuperating ... , at the typical extortionate rates, with the usual clunky credit-card sign up. It's also unclear whether ... London not too bad unless I'm in a basement. Also, it's not necessary to have multi-MB speeds [more...]

Date: 2008-12-26 10:39:00

“Living beneath your means”

While most of America was busy trading home equity for a TV, RV, and SUV, I was busy renting apartments and driving an economy car ... times or bad. If you can’t stop using your credit card, get rid of it. An easy check to see ... bad it was. My father once said “I got a 21% rate on my loan, and I was glad to get it.” We may [more...]

Date: 2009-01-06 15:36:19

My Net Worth Is Down Only 10% Since Its August 2008 Peak

So, how did I manage this remarkable accomplishment?  Let me tell you…. I have been tracking my family’s net worth for about eight months now ... ).  You are essentially earning the interest rate of your credit cards and car loans when you pay them ... ;P 500 and other indexes because of the mutual funds’ bad gambles in stocks like AIG, Wachovia, Fannie [more...]

Date: 2009-01-10 18:13:54

Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00

Credit Cards For People With Bad Credit Scores

Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. [more...]

Date: 2009-01-18 01:46:38

30 Ways to Save a Dollar a Day

This is a list of ways to save about $30 a month or a dollar a day. If you can do a couple of these, then you can save even more, like 60 or 90 ... the difference goes into savings 17. Call credit card companies to get a lower interest rate – calculate ... ) 6. Cut back on a bad habit – reduce smoking by ½ pack, buy fewer drinks when going out, cut the [more...]

Date: 2008-12-29 17:18:25

Monday morning links

TOP STORIES Fed, Treasury revamp AIG support - MarketWatch China Unveils Sweeping Plan for Economy - NY Times Fed Defies Transparency Aim in Refusal ... For U.S. Banks - Washington Post Why banks are boosting credit card interest rates - USA Today Bear Stearns ... a bigger boom imply a bigger bust? - CFR How Low, How Bad, How Long? - Hussman Funds Laying [more...]

Date: 2008-11-10 14:24:06

What the Fed's .50 rate cut means for Helocs & Credit Cards.

I heart CNN like crazy, they are REALLY on top of their ish over there! ... now be a crazy low rate of 4.05%!!! how crazy is that? And you know it's bad out there when my 2nd ... . This means total greatness! Since our Home Equity Line of Credit is tied to the Prime Rate (which [more...]

Date: 2008-10-08 15:12:00

Wednesday morning links

TOP STORIES China cuts rates, Fed and others set to follow - Reuters Fed May Cut Rate to 1%, ... the Next Crisis: It’s Credit Cards - NY Times Why the surge in home sales is bad news - MSN Money ... down a third of mortgage applications - Times Online Canada's housing market 'tracking' U.S. boom [more...]

Date: 2008-10-29 13:11:00

The next desperadoes?

Historically, one characteristic of bad economic times has been the rise of desperadoes as populist folk heroes ... on credit card balances with usurious interest rates. Meanwhile, wealthy conservative pundits sneer [more...]

Date: 2009-01-09 23:12:17

Not with a bang but a whimper

This is how you lose liberty. If an FBI agent looks at a terrorist's library records or Larry Flint has to pay additional postage for child ... , this is a very bad idea: Sixteen House Democrats who opposed a similar bill realized ... mortgage interest rates closer to those on, for example, auto loans or credit cards. A bankruptcy [more...]

Date: 2009-01-08 18:55:08

Breaking News: Washington Mutual to be Acquired by JPMorgan Chase (Update1)

Update1: From USA Today… JPMorgan Chase (JPM) acquired the banking operations of Washington Mutual, (WM) ... Credit Card? » WaMu Increases Online Savings Interest Rate » Cancelling John Hancock Life ... . This makes me wonder if the government might not be picking up some of WaMu’s bad debt to sweeten [more...]

Date: 2008-09-26 01:10:10

With Things So Bad In The Economy…

…why is this happening: You know what I got in the mail yesterday? An offer from my credit card company, for a $50,000 unsecured personal loan. Did you catch that? Unsecured. That amount of money would require me to make the equivalent of another mortgage payment to repay them. That offer came as a result of our credit rating, and we would [more...]

Date: 2008-09-30 15:47:13

Economy so bad National won’t take advantage?

Heat on public sector bossesPublic service bosses face renewed pressure to cut spending as Treasury warns the economy will stall this year and ... in the face of warnings New Zealand's credit rating will be downgraded if debt gets out of hand ... , plasma TV’s and cosmetic surgery on credit cards wasn’t sustainable (who would’ve thunk [more...]

Date: 2009-01-15 18:18:00

FSR’s Weekly Report Card for 01.16.09

MY BLOODY VALENTINE 3D Studio: Lionsgate Rated: R for graphic brutal horror violence and grisly images throughout, ... who plan to rob the stores in the mall of their credit card information. What I liked: This movie is stupid, and not always in a bad way. It’s a typical January release, as it’s not going to win any [more...]

Date: 2009-01-16 18:24:44

Mortgage mods, failing miserably

Mortgage mods, failing miserably! I wrote a blurb about the re-default rate on modified mortgages a few weeks ago. Today there was a better and more detailed account of just how bad the track record ... replaced lower mortgage payments with increased credit card debt? Is it because the mortgages were [more...]

Date: 2008-12-09 01:03:00

Movie Review: Paul Blart: Mall Cop (2009)

Kevin James as Paul Blart in Paul Blart: Mall Cop Photo: Columbia Pictures It’s funny because he’s fat ... out to steal some credit card numbers. Unfortunately they messed up when they kidnapped Blart’s love ... that is the audience this PG-rated cartoony effort is targeting. That’s not a bad thing, it’s just not my thing [more...]

Date: 2009-01-16 06:52:54

Samsung F480T now on Telstra: Who needs a standalone camera?

The Samsung F480T may have already launched in other parts of the world, but it’s now landed in Australia on Telstra, so good news for all the Australian touchscreen fans. The sleek credit card size of the F480T will be part of Telstra’s Next G range and has a speed rating of 7.2Mbps, which can’t be bad [more...]

Date: 2008-11-18 16:06:13

Canary in the Mine, Chirping

Few really bad ideas escape being floated in the New York Times:In the case of the Treasury, ... , increasing interest rates for home- and auto-buyers, for businesses and credit-card holders ... the money comes from the same wellspring that has been financing American debt for decades [more...]

Date: 2008-12-28 20:31:00

Earning What You Have: The Mindset I Hope I Never Lose

I think I come from a moderately humble background. My parents are both college graduates, which is a statistical leg up by itself, but my father had to work two jobs until I was 15, and I’m the youngest of my siblings. Mom also started working part-time when I was about 10, and then full-time later on. Suffice it to say we were not showered with gifts, though I only remember one particularly depressing Christmas, when I got a fancy pair of socks from Santa. [more...]

Date: 2009-09-25 15:53:18

Credit Cards After Bankruptcy: Is It Feasible?

Getting any kind of finance after going through a bankruptcy process is not an easy task. When it comes to credit cards, given that they constitute an open line of credit, there are even less chances of getting approved since the lender has little control on the repayment process and thus, the risk is greater. Yet, it is possible to obtain a credit card after bankruptcy under certain circumstances. One of the things that need to be made clear is how long after bankruptcy you are applying. [more...]

Date: 2009-09-26 20:20:28

Never Show up to a Gunfight with a Knife

Why do so many people struggle with money? Why is it so difficult to get ahead in a time of such prosperity? Why do the rich keep getting richer while the poor and middle class seem to continually struggle? I’ll tell you the answer: Most people follow bad advice and mimic strategies of the financially unsuccessful rather than imitating those who are already wealthy. You see, every day you make money choices that affect all areas of your life. [more...]

Date: 2009-09-28 20:03:13

College Students And Credit Card Debt

According to an adviser at a major university, more students drop out of college due to average college student credit card debt than to academic failure. The best way to prevent this is to adopt a spending plan early in your first semester, and stick to it. One thing that you know when you’re a student, that you were most of the time. Unless you have really rich parents or have a trust fund with your name, you know, as a student you should not go much for it in the finance department. [more...]

Date: 2009-09-29 10:12:54

College Students And Credit Card Debt

According to an adviser at a major university, more students drop out of college due to average college student credit card debt than to academic failure. The best way to prevent this is to adopt a spending plan early in your first semester, and stick to it. One thing that you know when you’re a student, that you were most of the time. Unless you have really rich parents or have a trust fund with your name, you know, as a student you should not go much for it in the finance department. [more...]

Date: 2009-09-27 16:12:43

AEI Interns’ Transcripts in Date Order: Their Own First Draft of History

First of all, I want to reemphasize everything Laurie just said. This is not a new threat, and this is not a threat we did not know about. Saddam Hussein has, in many ways, openly dreamed of mass death in the United States. He has shared his dreams with his nation and the world many times. We also know he has actively planned to do so many times, and Laurie’s book is a rather convincing argument that he is active and successfully implemented plans to do so as well. [more...]

Date: 2009-09-28 08:30:21

How Can Lawsuit Funding May Help To Avoid A Bad Credit

Many lawsuit plaintiffs have financial troubles while they wait for a settlement problem that could make more low their credit level . Credit reports are piled up by firms named credit bureaus that get reports directly from lenders about their customers paying practices. Founded on a debtors history of paying bills and the amount of debt the man has , credit bureaus go with a credit score for each man . [more...]

Date: 2009-09-30 13:20:28

Adverse Credit Card

As the name suggests, adverse credit cards are an option for people with bad credit, and therefore the credit rating. Why do you want to apply in May If you happen to have a bad credit record, then it is very likely that in applying for this credit if you were rejected in the application Related posts: How To Use An Auto Loan Calc Today, with the current economic conditions saving money has become... Funding Is Accessible You Clearly Need To Hunt A Bit Deeper Funding loans are [more...]

Date: 2009-09-27 00:26:39

Does Getting Out of Debt Take a Miracle?

The world seems to be full of “get out of debt quickly” solutions, yet most of these solutions are nothing more than smoke and mirrors. This leaves a lot of people asking the question: does getting out of debt take a miracle? The truth behind the matter is that getting out of debt is not only easy to do; it’s also easy to understand. You don’t need a miracle in order to reduce the amount of debt that you currently have. What you do need is some plain and simple logic that you can easily follow. [more...]

Date: 2009-09-26 20:20:39

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

Life After Bankruptcy Discharge

September 25, 2009 | By Craig Schiffer In Finance | by Craig SchifferLife after bankruptcy can be very difficult. Apart from the entire financial crisis it brings, the individual has to go through a lot of emotional distress as well. But it is in the best interest of the person to look at it as a really bad phase in his life. He should try to forget about this as early as possible and get back to life. [more...]

Date: 2009-09-25 16:13:12

Bad Credit Score: Effective Ways to Repair It

If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!Having a good credit score rating means everything in today’s world. It is something that you should have in order to live life comfortable and as easily as possible. This is why many people work hard in order to have good credit rating score and prevent them from plunging in to a bad credit rating score.You now ask what kind of things that you can benefit from by having a good credit score. [more...]

Date: 2009-09-27 02:23:32

Things To Remember In Choosing A Credit Card

by Eric Jilson If you have a low credit rating, you will most likely not be offered an unsecured low interest credit card. This requires faith on the part of the credit card company that you will repay your debts on time. People with good credit are able to get these cards because their credit history shows that they have been capable of paying on time in the past. If you have good credit and plan to continue making timely payments, then you will probably qualify for these low-interest credit cards. [more...]

Date: 2009-09-28 09:44:37

What is a Cosigner?

A person who is allowed to legally sign loan papers or documentation with another person who is having difficulty for obtaining a loan, or sometimes getting a lease for an apartment or rental unit is referred to as a cosigner . Being a cosigner, the person makes a legal agreement that he or she would be jointly responsible for repayment of the loan if the first signer fail to pay debts in a timely fashion. [more...]

Date: 2009-09-27 17:00:15

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 Repair after Bankruptcy

Rollover USA-401K Rollover to IRA is a post from: Rollover USA-401K Rollover to IRA Having trouble acquiring loans because of a damage credit card? It’s really hard to apply for a mortgage and borrow money from lenders when credit card gets a bad rating, or worse when the card holder falls in to bankruptcy. Many loaning institutes and lending companies are now reviewing their client’s credit cards first. A [more...]

Date: 2009-09-30 14:56:13

The Triumph of Derrièrism

Last year I identified an important new school of film criticism, which I called “derrièrism,” since all schools of film criticism are supposed to have French names. Derrièrists are inspired by Jack Warner (though some say it was Harry Cohn), who once said that he judged movies by whether his ass shifted in the seat while he was watching them [more...]

Date: 2008-12-09 23:27:00

Wall Street Breakfast: Must-Know News

Chugging along towards a bailout. After multiple false starts, sources say an auto bailout could be unveiled today that would see General Motors ( ... potentially lowering General Electric's (GE) AAA credit rating, sending shares down 8.2%. The ratings ... through their credit arms, GMAC (GKM) and Chrysler Financial. Yes We Can (fix the economy)! [more...]

Date: 2008-12-19 12:18:35

How Bankruptcy Affects Your Financial Reputation

Your credit report is an official record of how you’ve used and managed credit (borrowed money) in the past. Every time you apply for a loan, lenders examine your report or credit score to assess your “financial reputation.” That’s really what the information in your credit file is – a listing of your financial history and an inference of how you will repay future debt. Bankruptcy severely damages your financial reputation. [more...]

Date: 2009-09-25 12:00:00

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