No Home Equity Often Means No Health Care

Many people have dealt with rising healthcare costs by borrowing against their home. Now that’s gotten tougher, and so is paying the medical bills ... scrapes and stumbles led them to amass a pile of credit card debt and forced them to refinance ... -in-law," Deborah said Monday. The Krinskys are not alone in their scramble to make ends meet [more...]

Date: 2008-10-28 15:09:05

Blog posts (187) | Videos (186)
 

Simplify Your Life With A Credit Repair

by Dina Salinas Having bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit. The manner in which you use the available credit at your disposal is plain for creditors to see when they check your credit score. [more...]

Date: 2009-09-27 18:20:07

Guilty By Association

Many years ago, I used to run my sites out of an office building in an industrial part of Richmond. There were two other tenants in the building ... of association. The commentators asked me how many people I know who never run a Credit Card balance ... between good debt and bad debt. I don’t hang around people who are financially irresponsible [more...]

Date: 2009-01-04 23:45:11

Investors May Be Too Optimistic About Consumer Recovery

The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... are likely to cut credit to risky borrowers even beyond what they would have done in a risk-averse [more...]

Date: 2008-12-14 06:10:36

Will Barack Obama Fix Our Economy?

Now that the election is FINALLY over President Elect Barack has to prepare for his role of Commander in Chief and, among other things, ... that I think will take years to fully sort out and recover from. Of course the financial experts all have their own opinion about what needs to be done to repair our economy: new tax policies, a stronger [more...]

Date: 2008-11-07 11:02:51

Credit Repair Can Make Your Life Stress Free

by Dina Salinas Having bad credit can be a nightmare for most, because we live in a world that is fast-paced, costly, and always requires credit. It goes without saying, credit repair can make your life simpler if you’ve had some problems with your credit. The manner in which you use the available credit at your disposal is plain for creditors to see when they check your credit score. [more...]

Date: 2009-09-27 18:18:14

The Secrets behind the FICO Score

by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]

Date: 2009-09-28 13:26:56

Can You Survive on One Income?

People are losing their jobs left, right and centre. I’ve been overwhelmed with the letters from people who have recently been pounced on by the Unemployment Monster. And even people who still have a job have watched pieces of their income evaporate through pay-cuts or cuts in hours worked. Corporate North America is cutting back and Joanna Average is feeling the bite. [more...]

Date: 2009-09-28 09:45:34

Credit Crunch

by hilzoy From the WSJ: "All around Washington, policy makers are scrambling to figure out how to get banks lending again ... , policy makers need to repair financial markets as well as banks. But investor confidence in credit ... . Lawmakers have criticized banks for not using new federal money to make loans and have threatened [more...]

Date: 2008-11-17 06:53:56

Managing Your Credit Cards Responsibly

September 27, 2009 | By Tawana Rashing In Finance | by Tawana RashingCredit cards can easily go from being your best friend to your worst enemy. If your credit is any good at all, you probably get a ton of pre-approval notices from different companies. They?re offering you the world in a credit card ? no APR, huge credit limits, awesome purchase bonuses and more. [more...]

Date: 2009-09-27 17:25:27

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

Off Label Use of HGH to Treat Tendon and Ligament Injuries Remains Illegal

Dr. Richard Rydze is a vocal advocate of the use of recombinant human growth hormone (rHGH) for the treatment of tendon and ligament injuries. Dr ... with performance-enhancing drugs and the legal restrictions on legitimate medical research by anti ... had purchased $150,000 worth of HGH and anabolic steroids from Signature Pharmacy with his credit card [more...]

Date: 2009-01-17 08:33:55

Предсказания Кюнстлера на 2009 - США, Нефть, Геополитика, Путин

Спонсор месяца - #1 RX pharmacy affiliate program!Сайт дня (как попасть) - http://www.business-magazine.ru/There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) [more...]

Date: 2009-01-01 07:59:00

Back to Basics: Start doing the little money-saving things again

I’ll admit that when I get a little bit of breathing room in our budget, I get lazy. I’ll go out with friends to lunch, or head to the vending machine for a snack. I don’t plan finances as much as I should. And it costs me more than if I did plan and went the cheaper route. Doing these little money-saving things takes time [more...]

Date: 2008-11-02 05:58:15

Forecast for 2009

Introduction       There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) is that our problems of finance and economy will self-correct and allow the project of a "consumer" economy to resume in "growth" mode [more...]

Date: 2008-12-29 03:33:57

The blog that saved Christmas

This is great:But in June, Daniel got sick. After several tests, ... . As a new employee of Bank of America, he had not accrued enough paid time off to keep his job as a credit ... we received that letter, it was like, 'Oh my God, what are we going to do?' " Daniel Sampson said [more...]

Date: 2008-12-26 19:50:00

Iomega StorCenter ix2 NAS Review - 1TB Edition

Backup isn’t generally seen as glamorous, and the Iomega StorCenter ix2 is unlikely to change that perception. A sober gray box, the ix2 is as compact as dual 3.5-inch SATA-II hard-drives will let it be. However inside there lurks an iTunes-compatible media server, printer sharing facility and optional CCTV recording and Bluetooth file transfers, [more...]

Date: 2008-10-28 14:15:49

Festival of Frugality: Free extra money edition

Welcome to this week’s Festival of Frugality!  Cutting back on expenses is more at the forefront of our minds with the ailing economy and the somewhat tougher job market.  Within the posts I’ve featured three money-saving sites that I use regularly which (a) are entirely free to sign up and use, and (b) [more...]

Date: 2008-10-21 05:18:17

The Money Diaries: The 25-year old restaurant worker on his way up

The Money Diaries: The 25-year old restaurant worker on his way up November 28 24 Comments latest by Jane Today is another post in the Money ... up maintaining my bills while training for this job and pulling only minimum wage. How was I going ... that automated credit card payment. 6:11 p.m: Mailed rent check to landlord. I always hate sending [more...]

Date: 2008-11-28 21:30:29

Balls to 2009

Okay, nth time lucky. Hopefully I'll finish this bastard Balls to 2009 post this time ... As We Know It and How to Repair a Broken Financial World, well good on you. The recommendations in the latter article ... . Of course to take the piss out the ratings agencies. And why are Credit Default Swaps still legal [more...]

Date: 2009-01-17 03:20:00

Book Review: Frugal Living for Dummies

Okay another book review and another dummies book. The winner of the Personal Finance for Dummies is Cindy ... about cutting up credit cards and setting a realistic budget.  It also says to track what you spend and really stick to a budget.  My one issue with this chapter is it only looks at credit card debt as bad [more...]

Date: 2008-10-23 14:00:02

Why Your Credit Score Is So Important To Your Ability To Borrow

Your credit information may be of no use to you. If you’re not planning on buying a house or renting an apartment, buying a car, taking out a loan, paying for college or getting a new credit card, then you won’t need to worry about getting ... you are and where you need to be financially. Bad Credit To improve your credit information, you’ll need [more...]

Date: 2009-01-17 13:04:13

A Problem with Using the Plastic

A Problem with Using the Plastic Category: Wasting your time I have a love-hate relationship with credit and charge cards ... that goes to the merchant's bank. Take, for example, a driver who pays for a $1,000 car repair with a credit ... merchants to lose money on a sale. Because credit cards are used more than cash now in the US, the fees add [more...]

Date: 2008-11-09 03:52:38

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

Fierce Financial Tips: The Carnival of Personal Finance #178, Struwwelpeter Edition

I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... ? Before you wonder, please let it be known that this is not how I teach my kids our family values ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]

Date: 2008-11-10 05:46:25

Bad Credit Unsecured Personal Loans – Credit Score Repair Helps

Bad credit unsecured personal loans can greatly assist you in making ends meet financially.  The one thing that most borrowers worry about when it comes to personal loans is the interest rate.  To lower your interest rate credit score repair greatly helps.  It is very surprising how many borrowers attempt to get a personal loan without even knowing their credit score. [more...]

Date: 2009-09-29 22:33:44

The Carnival of Personal Finance #178: Struwwelpeter Edition

I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... ? Before you wonder, please let it be known that this is not how I teach my kids our family values ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]

Date: 2008-11-10 05:46:25

Instant cash loan explained

Instant cash loan explained by Mark Carnagie We have all had the experience of running out of money before our next payday ... overdraft fees and penalties from the greedy banks and credit card companies. Typically ... and reviewed the loan is then direct-deposited into your checking account The great thing [more...]

Date: 2009-01-17 09:36:10

Credit Card Offers For People With Bad Credit Or Poor Credit History

Updated List Of The Best Secured and Unsecured Bad Credit Cards For Credit Improvement Credit card usage is a fact of life whether you agree with ... has morphed into a mish mash variety of credit card rewards, airline credit card miles, and balance ... room reservations to car rental bookings. Credit card numbers are also necessary for frequent [more...]

Date: 2008-11-20 18:01:07

Watch Out for Possible Credit Card Scams

I am constantly amazed by the creativity of thieves when it comes to ways to scamming people ... card. Bad Photography A lady paid by using my Visa Check Card, and the young man behind ... will be so much better. Currently in the United States, the credit card companies take the burden off [more...]

Date: 2008-10-30 15:25:07

Credit Reports can be a Teaching Tool

by Rob Kosberg All of us have probably been informed that our credit report is a very important document ... on each report, locate any and all errors. It is up to each individual to monitor his/her own credit ... credit. We can obtain copies of our credit report for free, on an annual basis, from the three major [more...]

Date: 2009-01-17 15:18:02

All You Ever Wanted to Know About Emergency Funds (But Were Afraid to Ask)

This is a guest post from Dylan Ross. Dylan is a long-time member of the Get Rich Slowly community: a frequent commenter and occasional guest author ... repairs, legal defenses, travel to attend a funeral, natural disasters, and so on. Figure how much [more...]

Date: 2008-11-19 13:00:06

Should You Apply For A Mastercard?

by Lewis Arbour Currently there are a huge number of credit cards flooding the marketplace and even if you unfortunately have a poor credit history, ... in a bad credit predicament will discover that Mastercard and Visa are the two financial institutions ... of these you should apply to first - a Visa credit card or a poor credit Mastercard? At one time [more...]

Date: 2009-01-17 09:28:32

Weekly Roundup - Exercise Edition

My wife and I own an elliptical machine that has been out of commission the last several months ... out to repair it - only the problem never went away. After waiting almost a month since the last visit ... before we could get another appointment with the repair man. Anyway, I’m hoping the machine [more...]

Date: 2009-01-11 14:54:38

Paulson Translated

After listening to and reading the text from Paulson’s speech this morning, ... at a tipping point. Credit markets were largely frozen, denying financial institutions, businesses and consumers access to vital funding and credit. He uses past tense verbs, but I’m not sure [more...]

Date: 2008-11-13 04:08:18

6 Step To Improve Your Credit Score Now

credit cards Your credit score is probably the single most important number in your financial life ... . Use of your credit report has infiltrated areas we never thought it would - from job applications to insurance premiums. I recently learned the impact credit score has on interest rates after finding [more...]

Date: 2008-12-02 17:06:27

Instant cash loan explained

by Mark Carnagie We have all had the experience of running out of money before our next payday ... in the family, an emergency home repair or even an unexpected car repair. An instant cash loans is also ... an instant cash loan no matter what your credit score may be. Bad credit, good credit, perfect credit [more...]

Date: 2009-01-17 09:29:55

What is an instant cash loan

What is an instant cash loan by Mark Carnagie We have all had the experience of running out of money before our next payday ... in the family, an emergency home repair or even an unexpected car repair. An instant cash loans is also ... an instant cash loan no matter what your credit score may be. Bad credit, good credit, perfect credit [more...]

Date: 2009-01-17 09:43:12

Tell All Tuesday: Holiday Edition

Thank you all for the concern for my daughter after my last post ... that will start getting better soon and she’ll be back to normal. It is almost Wednesday, but on top ... , I decided that using my tutoring paycheck from last month (I get paid the 4th business day [more...]

Date: 2008-11-12 04:08:05

Thinking About 2009 Goals

Gosh. I hadn’t given much thought to my goals for 2009 till I saw NCN’s blog about his goal planning. As it is, I really want to make huge strides in my credit card debt. Ostensibly, I started ... in detail, I see that my greatest weakness is my credit card debt. In trying times where my new [more...]

Date: 2008-12-18 17:05:53

U.S. Chamber of Commerce Unveils State of American Business Report

The two seem to make an unlikely pair, but according to the CEO of the U.S ... , however, that the Chamber and the new administration are working together to repair American ... to get our economy going in a forward motion," Josten said. "One is credit and the other is confidence - and we ain’ [more...]

Date: 2009-01-07 22:20:43

Should You Apply For A Mastercard?

Should You Apply For A Mastercard? by James Read Currently there are a huge number of credit cards flooding the marketplace and even if you ... . Actually the decision is regarding which of these you should apply to first - a Visa credit card ... for a bad credit, credit card. Like almost everything you can think of at the moment, the speediest method [more...]

Date: 2009-01-17 09:28:34

Bank of America: Bailout hides huge bank subsidy deep in press release text

Marshall Auerback here.  I wanted to add a few thoughts to the discussion about recent events in U.S. banking ... over governments 94.5% fro 10 years) and you can go and make credit card loans at 16% and make a 1200 bp profit margin. Then JPM just puts up the credit card loans as collateral as per the new [more...]

Date: 2009-01-16 15:45:18

180th Carnival of Personal Finance

Hi and welcome to the 180th Carnival of Personal Finance.  This is my first time hosting the Carnival of Personal Finance and I’m excited to do so!    If you are interested in hosting or submitting to the Carnival please check out the website. My name is LAL and I’m a twenty-something DINK writing about my journey to one day live large [more...]

Date: 2008-11-24 14:05:11

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

Credit Card Horror

The availability of credit for anyone no matter their credit history has caused many financial problems for consumers ... get a line of credit or credit card with an interest rate of 12% to 18% depending on the company ... . When credit is available to those with a poor credit history, interest rates are jacked up, loan [more...]

Date: 2009-01-16 23:12:15

How Much Is Your Credit Score Costing You?

I hate to say it, but just change your time is no longer sufficient ... that you are a trustworthy person? Your credit card results, of course! The spot-checks, credit cards ... . There was a time when everything you do, good credit to have ensured that all your bills [more...]

Date: 2009-01-17 02:31:20

Black Friday: 15 Tips for Buying a Black Friday Notebook (or Not Buying One)

It’s that time of year again, when notebook buyers across the country start plotting how they’re going to score a cheap notebook on Black Friday, the day after Thanksgiving that kicks off the holiday shopping season. We’re going to start tracking the deals on our Black Friday Notebooks page, [more...]

Date: 2008-11-16 01:25:35

Preemption Part Deux

It's Friday.It's a four day weekend. (At least for those of us in the DC area - Tuesday is a holiday due to Inauguration and the traffic jams to ... . 2) The bearings are going bad on the blower motor. He said because of this, the blower motor might [more...]

Date: 2009-01-17 00:08:00

Circuit City Down

Posted on 1/17/2009 11:03:00 AM No CommentsNow that Circuit City is getting liquidated, what happens to your gift cards? What about extended warranties and repairs? What happens to my gift cards? Spend them before the liquidation sale ends. After the stores close, the cards will have no value.I bought an extended [more...]

Date: 2009-01-17 03:03:00

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