Is Your Credit Score Costing You Money?
Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home ... you know that your credit history can keep you from getting utility connections, good telephone rates, the best auto ... owners’ insurance, auto, and life insurance companies set minimum credit standards for their policy [more...]
Date: 2008-12-30 04:11:53
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Cool loan offers from www.loansonclick.com
Hi every one , All American's can get the latest loan offers here! ... Purchase Credit Repair Credit Report Health Insurance Business Loans 1.Compete the form Fill out our easy, simple, and fast Application form 2.Get Approved With our exclusive system [more...]
Date: 2008-06-17 07:11:34
4 Free Reports With Your Personal Insurance, Employment, and Tenant History
Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) Act, which basically says that consumers should be able to see (and dispute) the massive amount of information contained in private corporate databases. But in addition to credit information [more...]
Date: 2008-06-04 11:08:42
Home Buying 101 - Step Two: Know Thy Credit
This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]
Date: 2008-12-30 21:06:36
More Consolidation Debt Help
Debt got you down? You’re not alone. Consumer debt is at an all-time high and it’s not getting any better any time soon ... on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. The Federal Trade Commission (FTC) cautions consumers to read between the lines [more...]
Date: 2008-12-07 14:49:49
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
Keep tabs on your health insurance claims
We’re all aware of the dangers of identity theft these days. Most people keep a close watch on their bank accounts, credit card statements, and credit reports to ensure they’re not being victimized. This week I had a scare that made me realize my credit [more...]
Date: 2009-01-14 13:00:26
Suze Orman Financial Video - Bank Collapse
Rick Sanchez from CNN talks with personal finance guru Suze Orman about what happens when a bank collapses ... To You By Expert Debt Help - Informative Credit Repair, Credit Reports and Debt Solution. Advice on Home Loans? - Your Guide to Home Improvement, Home Loans and Mortgages. Best Life and Car Insurance [more...]
Date: 2008-10-06 04:16:26
The Credit Repair Organizations Act (CROA)
If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, ... or life insurance in excess of $150,000. If you decide to seek professional help, the Credit Repair ... . The most obvious provision is that no credit repair company can make deliberately false or misleading [more...]
Date: 2008-12-27 06:13:19
Your opinions requested! Plus Year 2, Week 30 Results: 1.9 oz of plastic waste.
Here's the weekly tally. But please read down to the bottom of the page. I have an Announcement, a Survey, and a Discount Coupon for you ... Direct, Safeco Insurance, credit card company, and Financial West Group. I think I've been doing ... and report back? And finally, To-Go Ware is offering a 40% discount coupon to everyone [more...]
Date: 2009-01-12 19:44:00
6 Tips To Help To Protect Your Social Security Number
1. Never carry your Social Security card on your person, it should be stored in the same place as your birth certificates, insurance policies, ... you will need to contact the FTC, this may be the beginning to bank and credit accounts that are not yours. It will also be the start of a credit-report nightmare that can last anywhere from a few [more...]
Date: 2008-11-26 01:11:54
Did Fair Value Accounting Play a Role in the Credit Crisis?
The Securities and Exchange Commission (SEC) just released its voluminous report totaling more than 200 pages that investigated whether fair value accounting was to blame for any or all of the credit crisis and financial dislocations over ... ." The next day a group of insurers say just the opposite in their report. [more...]
Date: 2009-01-05 21:18:44
Banks Have Few Options In California
The North County Times reports form California. “Working as a real estate agent, insurance dealer, income tax preparer and credit repair specialist, Miguel Romero has helped Latinos buy 122 homes [more...]
Date: 2008-06-15 18:36:34
Types of FHA Loans
Types of FHA Loans Section 203(b) is the centerpiece of FHA’s single-family insurance programs-the successor of the program that helped save ... qualify for conventional loans on affordable terms, as well as for those who live... Read the full story ... income sources Last 2 months of asset statements Credit report Information on all real estate owned [more...]
Date: 2008-11-19 21:05:26
AIG Becomes the Fed’s Vehicle to Buy Toxic Assets
The Washington Post (from Bloomberg News) "With Fed's Help, AIG Unloads $16 Billion in Credit Default Swaps" reports that American International Group (AIG) retired another $16B face value of credit default swaps for $6.7B by purchasing the underlying securities and canceling the contracts. The insured [more...]
Date: 2008-12-28 20:31:13
AIG Now Fed's Vehicle for Buying Toxic Assets
The Washington Post (from Bloomberg News) "With Fed's Help, AIG Unloads $16 Billion in Credit Default Swaps" reports that American International Group (AIG) retired another $16B face value of credit default swaps for $6.7B by purchasing the underlying securities and canceling the contracts. The insured [more...]
Date: 2008-12-26 18:42:41
Reasons behind the Nose-diving Blog Income
If you have been going nuts over the continuing downtrend of your blog income, here are the reasons ... , insurance, credit cards etc, are doing! :) Take a short break! Play PickJack, Learn and Earn a few Cents ... . Pubmatic, the ad optimization service, has published a report on the Ad rates trend for the past [more...]
Date: 2009-01-16 21:16:06
NFL considers reducing teams' borrowing cap; Patriots sue bond insurer
By Aaron Kuriloff Bloomberg The National Football League will consider reducing the amount each team can borrow following turmoil in the global ... " on cheap, available credit to maintain cash flow, expand business and pay players, said Marc Ganis ... and to provide working capital," Fitch Ratings said in a June report. Ganis said the credit crunch [more...]
Date: 2008-10-15 19:41:36
Sellers of Tribune CDS Protection Face Large Payout
Hmmm Matthew Cowley reports: The dire conditions facing media companies were highlighted by this week’s auction to settle credit derivatives contracts written on bonds and loans of Tribune Co. Investors who sold insurance protection ... . The auction result for Tribune loan credit default swaps, or LCDS, was only slightly better, setting [more...]
Date: 2009-01-07 09:50:00
Sellers of Tribune CDS Protection Face Large Payout
Hmmm Matthew Cowley reports: The dire conditions facing media companies were highlighted by this week’s auction to settle credit derivatives contracts written on bonds and loans of Tribune Co. Investors who sold insurance protection ... . The auction result for Tribune loan credit default swaps, or LCDS, was only slightly better, setting [more...]
Date: 2009-01-07 09:50:00
PMI: Home prices to fall through 2009
From Bloomberg: U.S. Home Prices Will Continue to Tumble Until 2010, PMI Says U.S ... the third quarter of next year, PMI Mortgage Insurance Co. said in a report. Ninety-seven percent ... in a statement. The three-year-old housing recession has spurred a credit crisis that’s making it harder [more...]
Date: 2009-01-14 17:26:28
Credit Crisis Safety Plays: Banking Ratings Report Can Provide Peace of Mind and Warn You if Your Bank is Weak
When federal banking regulators last week seized the Houston-based Franklin Bank SSB (FBTX), it became the 18th bank failure this year amid the ongoing credit crisis. With total assets ... all, aren’t deposits guaranteed by the Federal Deposit Insurance Corp. (FDIC)? And weren’t the limits [more...]
Date: 2008-11-14 16:07:43
The Next Wave?
Jump to CommentsIn “As Vacant Office Space Grows, So Does Lenders’ Crisis,” the January 4thNYTimes reported: ... , the persistent chill in lending from banks to the credit markets will make that difficult —setting the stage for loan defaults. That prospect, in turn, bodes ill for banks, along with pension funds, insurance [more...]
Date: 2009-01-13 07:41:47
CDS report: EU nation default risk touches record high
The cost of insuring debt issued by the Irish government leapt higher this morning as Europe's beleaguered credit derivatives traders swallowed hard ... to record highs according to credit default swap data provider CMA.... [more...]
Date: 2009-01-16 12:19:32
AIG to Replace CEO Following Losses
American International Group Inc, the world's biggest insurer, has announced it will replace CEO Martin Sullivan ... the collapse coming until it’s too late.” Colleague Dan Amoss, over at Strategic Short Report, has pinpointed the next Bear Stearns – and warns that there is another credit crisis ready to jam the pipeline [more...]
Date: 2008-06-16 15:06:03
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
US dollar set to be eclipsed, World Bank president predicts
Flashback: Bilderberg Wants Global Currency Now | Dollar to fall under scrutiny at G20 summit | IMF approves $13bn gold sale to boost lending fund | UN wants new global currency to replace dollar | G20 agrees to continue economic stimulus measures; Geithner shops international reserve accord | China Set to Buy $50 Billion in IMF Notes | Medvedev Unveils “World Currency” Coin At G8 | China calls anew for super-sovereign currency | No one talking about dumping dollar: China minister [more...]
Date: 2009-09-28 23:29:59
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
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
Richard Branson To Give Australian Banking Majors A Run For Their Money
Sir Richard Branson’s Virgin Money, part of his Virgin Group intends provide robust competition to the Big Four banking groups in Australia, and is launching a car insurance product followed swiftly by deposits and lending facilities in the coming months. On Wednesday, Branson launched Virgin Car Insurance in Sydney, and sent a message to incumbents, telling consumers his company could offer Australians car insurance at rates which were 30 to 40 per cent cheaper than their current providers. [more...]
Date: 2009-09-30 06:33:26
FreeCreditReport.com Review: Not a Free Credit Report
Have you heard of those commercials on TV that talk about “free” credit reports? These services, such as FreeCreditReport.com are *not* truly free. They offer free trials for a limited time (usually 7 days) but they’re actually paid subscription services after the intro period is over. They’re in the business of credit monitoring and tracking your credit standing. Image by Andre Rolim/Getty Images These services exist to help us keep an eye on our credit reports. [more...]
Date: 2009-09-29 04:01:28
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
Wall Street Breakfast: Must-Know News
CIT on the brink. Sources say CIT Group ( CIT ) is preparing a sweeping exchange offer that would eliminate 30-40% of its $30B in debt, giving bondholders new debt with a later maturity, and nearly all the equity in a restructured CIT. The plan is likely to be more attractive to bondholders with near-term debt, and some insiders say competing bondholder interests are likely to thwart any deal and send CIT to bankruptcy court. CIT -24% premarket. IMF turns optimistic. [more...]
Date: 2009-09-30 11:20:04
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
In The News Today
Barrick and its OTC Short of Gold Derivative Obligations: I am asked constantly how Barrick can cover all their hedges. The answer is quite simple. Barrick does not have to buy one ounce of gold. You buy your way out of hedge contracts with paper money. The simple question is what does the long side want to release the obligation in light of future possible profits on the position? What a hell of a needlessly expensive mess. [more...]
Date: 2009-09-30 19:48:55
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
The Bipartisan Homeland Security State
Will GriggFor two years, Bart McIntyre was deeply involved in the insignificant, thinly populated white supremacist movement.Though it may be difficult to believe, this actually represented something of an improvement in McIntyre's social circle, since his paying job was a position in one of our country's most repellent criminal syndicates, [more...]
Date: 2009-01-16 00:24:00
BLOOMBERG: Berkshire, AIG Benefit From Absence of Atlantic Hurricanes
By Jamie McGee Sept. 30 (Bloomberg) -- Insurers including Warren Buffett’s Berkshire Hathaway Inc . and American International Group Inc. benefited from the absence of third-quarter storms this year after paying $12.5 billion in claims on Hurricane Ike in 2008. The hurricane season has yielded a single U.S. landfall, Tropical Storm Claudette, which struck Florida last month. [more...]
Date: 2009-09-29 17:21:00
Tips On Starting Up A Successful Online Digital Photography Business
by Dan Feildman If you have the knack of originality and a proficient hand at handling digital equipments, starting your own photography business would not be a mean feat for you. However, possessing excellent technical and photography skills do not qualify you as a business person capable of sustaining your own photography business. To commence your own new photography business successfully, you need to have prior knowledge on the legal, financial and management aspects of it. [more...]
Date: 2009-09-28 21:03:25
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
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
Free Online Calculus Help
calculus is one of difficult science for somebody. we know it, so someone be lazzy to study it. but now, you can get easy to learning about calculus. because you can get tutor with interactive learning make simple about calculus. its special for K-12 or college. calculus tutor will help you, and give much resource to help learning, unlimited online resource. You would have known the term calculus. This is closely related to mathematics because it related to the numbers calculations. [more...]
Date: 2009-09-30 15:52:50
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
Still no plan for fixing billing system for youth in L.A. County detention
Earlier this year, Los Angeles County probation officials vowed to fix their system for billing parents of youth in county detention after county supervisors questioned why the department had mistakenly billed low-income and foster parents. Supervisors gave a group of probation and other county officials three months to propose changes, but six months later the group has yet to present a proposal. Probation officials declared a moratorium on new probation billing Feb. [more...]
Date: 2009-09-29 22:43:35
Case-Shiller, FHA And Home Prices
I’ll jump back into posting with a few thoughts on housing. First, Case-Shiller as out with its July home price survey. It followed the trend of improving prices established over the last couple of months. Nationwide prices were up 1.6% and the number of cities showing price declines dwindled to just two. Here are the numbers for the twenty cities in the survey. (About the numbers: The Case Shiller indices have a base value of 100 in January 2000. [more...]
Date: 2009-09-29 22:09:00
Nifty regains 5,000 mark
Data showing a surge in growth in the core sector boosted domestic bourses with the 50-unit S&P CNX Nifty settling above the psychological 5,000 level. The BSE 30-share Sensex rose 159.91 points or 0.96%, off close to 55 points from the day's high and up close to 50 points from the day's low. Index heavyweights Reliance Industries and ICICI Bank led the rally which was a part of a rally in most Asian stocks. IT, banking and healthcare stocks rose. But realty stocks reversed early gains. [more...]
Date: 2009-09-29 15:25:00
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
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
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