Credit Crisis Watch: Gaining Positive Traction

In order to gauge the progress being made to unclog credit markets and restore confidence in the world’s financial system, ... in this “Credit Crisis Watch” review, one can ascertain to what extent the various central bank liquidity ... of the credit crisis in August 2007. 14-jan-1.jpg Source: StockCharts.com Importantly [more...]

Date: 2009-01-14 13:30:49

Blog posts (209) | Videos (152)
 

Wall Street Breakfast: Must-Know News

Little progress on Big Three bailout. House Speaker Nancy Pelosi, arguing General Motors (GM) is too big to fail, urges 'immediate action' to help automakers, but faces resistant Republicans and a noncommittal White House. Pelosi wants to include automakers in TARP, but without bipartisan support, [more...]

Date: 2008-11-12 12:14:23

Commercial Developers: Not a Credible Threat

Ok, I’ve been tardy in posting. I’m very sorry about that, lot’s of things are going on ... , there are multiple metrics for value and credit worthiness of a commercial property. Residential properties ... of loan amount to value). However, these are not created equal: FICO is used to ascertain [more...]

Date: 2009-01-10 02:24:52

Sean Garman: In defence of a national loan guarantee scheme

Sean Garman is a banker for a leading city firm and is in charge of policy and research communications for Conservative City Future ... , the key issue in the economy is how to get credit moving again. The credit crunch has lead ... collapse because of bad loans. This is true if a very large number of loans go into default [more...]

Date: 2009-01-16 13:30:22

Rising Default Risk In Pro-Forma Commercial Loans

The bond market is reeling from rising default risk in Pro-Forma Commercial Mortgages ... Federal Credit Union in New York. “They were underwritten with outlandish expectations on rents ... are starting to turn bad. In New York City, Stuyvesant Town-Peter Cooper Village, a housing complex in downtown [more...]

Date: 2008-11-21 03:34:00

Build your dream home

Are you planning to build your own dream home? If yes, this post will really help you to start up with that plans. One big problem many people face is getting home loans because lenders look at the credit history ... about a website that is providing home loans for bad creditors. badcreditloanshop.com is easily the best [more...]

Date: 2009-01-16 01:47:44

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

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

The End of the Financial World as We Know It

This is the best article I have seen on describing not the financial crisis, which is a symptom, but the demise of our nation’s value system and lack of leadership. I am in search constantly of “the why” behind this crisis, why people have gotten so greedy at the expense of others, why enough is never enough [more...]

Date: 2009-01-10 14:09:15

Noah's 2009 Predictions

A: Lets keep the tradition going and I apologize in advance for the length of this, hopefully you can find 5 min to read it all. Here were last years predictions for 2008, published December 27th, 2007; if you haven't read it yet and are new to this blog, please try to read it before continuing so you can see where I was right, [more...]

Date: 2008-12-24 15:28:05

Learn The Art Of Making Money Online Line With Cash Jobs

Need money fast? click here now to find out how the pros do it! A personal loan is money you borrow from a lender for your own private use ... or unsecured. Secured loans mean you will offer the lender some type of collateral ... . Unsecured personal loans mean there is no collateral. The interest rates for unsecured loans are higher [more...]

Date: 2009-01-08 17:34:13

High Risk Personal Loan For Financially Troubled People

Dealing with your everyday expenses can be hard on the finances. It’s alright if your monthly salary is enough to pay all your expenses ... you have to endure in having a bad credit rating. Actually, you have two options in high risk personal loans ... personal loan. The said loan is just right for people with bad credit history and is suffering [more...]

Date: 2009-01-08 23:00:30

Volcker Group’s recommendations for financial reforms

by Rolfe Winkler, CFA Volcker’s “Group of 30″ released its report today on suggested reforms for financial markets.  The full 80 page report has to be purchased for $49.  They did release a shorter version ... .  They've got their hands full just measuring the credit risk of their loan books. “To guard against [more...]

Date: 2009-01-15 21:00:18

Your Credit Rating Is Important

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:53:50

Bad Credit Repair Tips & Advice

When it comes to trying to get a new car or a new house, there is nothing worse than having bad credit ... , there is such a thing as Bad Credit Repair. Starting Off Smart Of course, the best thing to do is to avoid getting ... is now to repair your credit profile so that when you need the help of a loan or credit card [more...]

Date: 2009-01-16 00:22:09

Your Free Credit Report Explained

Your Free Credit Report Explained January 11th, 2009 Subscribe To Our Feed Would you say you know all different aspects involved in a credit ... and bad credit score loan lenders recommendation respec ... of an emergency or something unexpected. Borrowers trying to get a loan are checked against their credit [more...]

Date: 2009-01-08 17:52:29

Satan Has A 350 Credit Score

By John Rasor indulgence, greed and envy can take over and send your credit in a downward spiral. The lowest credit score you can have is a 350 ... , gluttony and being a debtor with outright disrespect to the creditor can earn you a bad credit rating. I have personally never seen a 350 credit score but supposedly they do exist. If you have bad cred [more...]

Date: 2009-01-16 22:01:48

Now It's Official: That Cheery DTCC Data on Credit Default Swaps is Mighty Incomplete

Bloomberg has a good report today explaining why the DTCC report saying the credit default swaps market is only $34 trillion in notional outstanding ... credit-default swaps didn't disclose bets in the section of the more than $47 trillion market ... by the Depository Trust and Clearing Corp. doesn't include privately negotiated credit-default swaps [more...]

Date: 2008-11-07 09:17:44

Your Credit Rating And You

by Steve Collins Credit ratings, at their most simple, are personal debt histories ... of our financial behavior. Lenders and credit card companies look to credit ratings for the most simple assessment of whether we are a good or bad risk. But what kind of information does a credit rating contain [more...]

Date: 2009-01-17 22:41:15

FDIC: "Problem Banks" Reach 13 Year High

Gee,if you took it at face value, the FDIC's report, which says that problem banks increased by 46%, reaching a level not seen since the mid-1990s, says things are not as bad as in the savings and loan crisis. But of course, we are seeing ... 46 percent in the third quarter to the highest level in 13 years as the credit crisis battered [more...]

Date: 2008-11-25 18:56:30

Bloomberg.com exaggerated - Lithuanian Gvnt says that it doesn’t need IMF aid now

Lithuanian Prime Minister Andrius Kubilius said on Thursday that currently the government does not plan to borrow from the International Monetary ... of Lithuania’s governor, told BNS: “I don’t think that the situation in Lithuania is as bad ... that Lithuania might have to borrow from the IMF.The IMF last month extended a 7.5 billion-euro loan [more...]

Date: 2009-01-10 13:09:07

Fear and Loathing in Detroit

Fear and Loathing in Detroit Posted by Guest Poster Published: December 8, 2008 - 7: ... as the auctioneer); Bad Loan Department (no explanation required) and Workout and Restructuring Group ... who had seen more than his share of bad loans and dumb business decisions. This fellow was an anomaly [more...]

Date: 2008-12-09 00:27:43

Newt Gingrich, 10 years after quitting, still full of advice for GOP

Maybe you remember him. Newt Gingrich, the ex-Georgia congressman who took advantage of some serious Bill Clinton first-term mistakes to lead the ... partner on this fall's ticket with John McCain; Also, Indiana's Gov. Mitch Daniels and Utah's Jon [more...]

Date: 2008-11-17 09:28:50

Good Bank, Bad Bank: The Rich Win Again

So let’s see if I understand this brilliant brain fart correctly…Citigroup (C) and Bank of America (BAC) ... in the “Bad Bank”. Taxpayers would own the bad bank.Translation: People with money, so the wealthier ... reported earnings so dismal it gave momentum to the whole “Bad Bank” plan. The plan would split [more...]

Date: 2009-01-16 13:40:00

Realogy Now on Endangered List

A: Realogy was taken private by Apollo Management in a $6.6Bln LBO, from NRT last year. Talk about ill timing ... . Standard & Poor's slashed Realogy's corporate credit rating to CC from CCC last week. A CC rating ... . This will be one of the side effects of the credit crisis / severe economic slowdown on both the country [more...]

Date: 2008-11-19 14:23:28

The Effect Of Credit Card

by Mike Carbeck If you’re looking to get a credit card, be sure to go over the terms with a fine-toothed comb ... card while you’re in debt is a bad idea, as it will likely only lower your credit rating, making ... . If you don’t understand the financial details of the credit card offer, you are risking [more...]

Date: 2009-01-14 11:03:30

How To Find Out If Your Bank Is Next In Line To Fail

18 banks have gone under so far this year. But how do you know if yours will be next? Keith Fitz-Gerald says the IRA Bank Industry Stress Index can be used like a financial X-ray ... this year amid the ongoing credit crisis. With total assets of $5.1 billion and total deposits [more...]

Date: 2008-11-14 14:00:40

Jon Stewart and Bethany McLean Do Good Job Explaining the Financial Crisis

Jon Stewart and Bethany McLean Do Good Job Explaining the Financial Crisis I can also explain it in a very simple manner ... and credit rating industries got paid fees no matter how bad the loan. Incentive for loan officers, banks, credit companies to go out and gather as many bad loans as possible. They all make lots [more...]

Date: 2009-01-16 15:17:57

Payday Loan Quotes

Search online to know that the money urgently and the lender’s fee ... deals. Bad credit borrowers too can approve payday loan quotes their - ambassador collection payday loan ... by different loan companies are relentless when you do not need to go through any credit checks [more...]

Date: 2009-01-17 20:21:13

The Black Friday Ten: Retailers Who May Not See 2009 (BONT)(DDS)(TLB)(PIR)(CPWM)(WSM)(CHS)(SKS)(EBHI)(RAD)

A year ago, not many people would have thought Circuit City would be in bankruptcy now ... . Some analysts believe that the numbers will be as bad as for any fourth quarter in thirty-five years ... 7% to $725 million. The company has interest expense of $25 million. BONT says that its revolving credit [more...]

Date: 2008-11-21 13:41:13

China to Relax Bad Debt Rules to Encourage Lending

In another sign that China's slump is serious enough to evoke crisis responses from the officialdom, ... their average bad-loan ratio to 5.49 percent at the end of September, from 6.3 percent six months ... banking officials there announced that they were relaxing rules on bank bad debt ratios [more...]

Date: 2009-01-12 06:19:21

Consolidation or holiday loans - finance for luxuries and necessities

Find out about obtaining a loan for both necessities and luxuries, even if you have a poor credit rating. Copyright (c) ... 2009 Gordon Parkes Whether it is required for a financial necessity or one of life’s little luxuries, a loan may be available even if you have a bad credit rating. If you are planning a dream family ... [more...]

Date: 2009-01-17 15:05:47

Having A Bad Time?

If you have a bad credit rating, it will be most difficult for you to get any credit accommodation when you need money ... you and it sends warning signals to lenders. So what do you do?You can try Bad Credit Loan Mortgage, the company gives the service that their name says - bad credit loan mortgage mortgages [more...]

Date: 2008-12-18 11:47:00

Writedown News: 28 Oct 2008

This week, I can practically repeat what I said last week verbatim - so, I will. Writedowns continued unabated despite the easing global credit markets. While we should see ... from the previous week. These links are compiled in my credit crisis timeline, which now includes [more...]

Date: 2008-10-28 19:08:39

Repaying Student Loans For Beginners

If you are required to repay student loans, there are a few things that you should remember ... , or you want to apply for a credit card, the creditor will note that you have a flag on your credit rating ... that occurs is the ruin to your credit history. When you neglect to make your bills, it is registered [more...]

Date: 2009-01-17 21:48:19

Student Loan Default: How to Deal with It

by William Blake If you fall behind in your student loan payments and end up in student loan default, ... eligibility and recover your credit score. This option is only available to people who arrange ... financial aid eligibility, make your credit rating better, and possibly have your student loan default [more...]

Date: 2009-01-17 20:48:52

Friday morning links

#fullpost{display:inline;}TOP STORIESManufacturing Cools Around the World - NY TimesRussia, ... of 1930s-style depression to eurozone - GuardianWorldwide, a Bad Year Only Got Worse - NY TimesHOUSINGHousing woes no longer a business myth - OC RegisterAre Home Prices Still Too High? - Seeking AlphaThe [more...]

Date: 2009-01-02 13:40:00

Blame the bailouts on Mr. Rogers???

Guest blogged by Dan I miss the "Outrageous Quote of the Week". I admit that I was never certain if an honest, but truly ignorant quote, was more outrageous than one that was just mean-spirited. Elizabeth MacDonald lets us have both. Ignorant and Mean-spirited. Blame the Bailouts on Mister Rogers? [more...]

Date: 2008-12-19 15:21:57

DrumBeat: January 14, 2009

Obama energy goal hard to meet: Bodman WASHINGTON (Reuters) ... prices, but this would not affect its $2.3 billion credit facility, the independent oil and gas ... (Bloomberg) -- Crude oil fell after a U.S. government report showed that stockpiles climbed [more...]

Date: 2009-01-14 13:55:13

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

Cash Jobs And Personal Loans

Cash Jobs And Personal Loans Need money fast? click here now to find out how the pros do it! ... in your home town or on the internet. Personal loans can be used for a variety of needs including ... for will depend on the lending institutions guidelines for such loans, your income, and your overall credit [more...]

Date: 2009-01-17 10:07:52

Getting help on Cash out Refinance Home Mortgage loan

Amazon.de Widgets When you need money for any purpose, one source from where you can get it is cash out from refinancing your home mortgage that you can work out with the agreement of the lender. When you get the lender’s approval on this idea, you can get additional money above and beyond the balance of your existing mortgage loan. [more...]

Date: 2009-09-29 12:42:28

Auto Sales Plunge To Lowest Level Since 1982

MarketWatch is reporting Automakers post steep sales declines. Here are some of the highlights from the report.Ford, Lincoln and Mercury combined car sales fell 31.5% to 37,272 units. Ford truck sales slumped 29% to 81,546 units with sales of the flagship F-Series pickup down 18.6% to 37,911. Volvo sales tumbled 46.5% to 4,404 vehicles [more...]

Date: 2008-12-03 05:02:00

Bad Credit And County Court Judgements Explained

Having a County Court Judgement or CCJ issued against you will have a severe impact on your credit rating, ... as it signifies that you have had serious problems paying back a loan or other form of credit, to the extent where your creditor has had to take court action against you to try and recover ... [more...]

Date: 2009-01-14 04:50:03

Words from the (investment) wise 12.15.08

Words from the (investment) wise for the week that was (December 8 - 12, 2008) ... that liquidity was still being hoarded. (Also see my “Credit Crisis Watch“.) 13-dec-v1.jpg Source ... of the biggest industrial failure in US history caused a sell-off on global stock markets, a widening of credit [more...]

Date: 2008-12-14 12:42:13

Prepping Kids (Part 4)

Essential Money Skill #6: Credit is NOT disposable income. Yup, I know it flies in the face of everything everyone else has been saying, but credit is NOT disposable income. Student loans should not be used to go pub-crawling. Credit cards aren’t an “ [more...]

Date: 2009-01-08 13:30:42

Is Bank of America the Next “Citi”?

Is Bank of America the Next “Citi”? This morning Bank of America hit a new 52 week low, and traded at its lowest level since 1991 ... enterprises (GSEs), the peak in the housing market, the likelihood of contagion in credit markets, and the weaknesses in the credit rating agencies’ collateralized debt obligation (CDO) assumptions [more...]

Date: 2009-01-15 15:42:49

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

Leverage Is an 8 Letter Word

Leverage Is an 8 Letter Word November 21, 2008 By John Mauldin Leverage is an eight-letter word, which the markets now regard as twice as bad as the two four-letter words debt and pain (or fill ... in the credit markets, some of it below the radar screen of most analysts. We will look at the potential [more...]

Date: 2008-11-22 15:27:04

How To Build Your Credit Card Rating

How To Build Your Credit Card Rating Uncategorized Comments Off Almost everybody knows the main advantages of owning a credit card ... rate is bad, it can be improved. The user can apply for a credit card, use it and pay off the entire ... is asking for a loan, or a credit card. The credit bureau will decide whether the bank will lend [more...]

Date: 2009-01-16 22:15:31

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