paying tuition to life

Have you ever loaned money to a friend or family member? Did you really loan it or was it borrow? ... student he ran up credit cards, drove a a fancy car, and took out student loans, etc.  He was a ROTC ... my parents weren’t helping me, but had preached no consumer debt. Plus I had student loans. Anyway [more...]

Date: 2008-10-21 13:00:30

Blog posts (196) | Videos (67)
 

Mailbag: Private Loan Borrowers in Distress

At Higher Ed Watch, we hear regularly from financially-distressed borrowers with private student loans who believe they have been victimized by ... stories with us about the seemingly inescapable burden these loans have had on their lives. Here are a few examples: "I have borrowed about $50,000 in private loans. My estimated monthly payment for both [more...]

Date: 2008-06-05 19:45:00

The Path to Mediocrity: Doing What Works For You and Other Self-Limiting Philosophies

General advice for an imaginary average person Personal finance advice comes in many forms, ... qualifications of a larger group. Take, for example, the case of the best way to pay off credit ... there are exceptions, this method of debt repayment calls for credit card debt always being paid off by focusing [more...]

Date: 2008-08-20 12:30:00

How To Become A Millionaire and Get Rich In 10 Steps

So you want to be a millionaire? Well you know what? Me too - and I’m determined to get there in the near future ... of the credit markets, instead of just sitting on my hands and wishing upon a star, I’m taking active ... financing. Instead, they embraced its responsible use, viewing credit cards and balance transfer offers [more...]

Date: 2008-10-13 08:13:02

Double Standards

by hilzoy The NYT: "Alarmed by the sharply eroding confidence in the nation’s two largest mortgage finance companies, ... investments and loans. In a separate announcement, the Federal Reserve said that it would make ... . The Fed said that it had made its decision “to promote the availability of home mortgage credit during [more...]

Date: 2008-07-14 16:06:19

Instahoglets for Jan 2, 2009

By BJ And so now I have to remember to start putting '09' down when I sign and date things, just after I finally got used to using '08' ... card companies for profit at their students expense. I refused to get a credit card while ... card companies, bad for the students, (at least those without parents capable and willing to bail [more...]

Date: 2009-01-02 19:22:51

Book Review: Family CFO

Yesterday I drew the winner of the Middle Class Millionaire, and it’s L Bryant!  Please contact me at livingalmost at gmail.com! Okay, time for another book review and free book giveaway drawing. Same rules apply, leave a comment by Wednesday 9 pm 10/8/08 for a chance to win, and I’ll draw the winner next Thursday morning. [more...]

Date: 2008-10-02 13:00:41

Obama Pitches Middle Class Rescue Plan

Taking a break from debate prep in the red state of Toledo, Ohio, Sen. Barack Obama, D-Ill ... tax credit of $3,000 per job for firms that create new jobs in the US over the next two years. “ ... -- without facing a penalty. “I want to give credit where credit is due, I welcome Senator McCain’ [more...]

Date: 2008-10-13 21:47:24

How to Get Rich

The full title of this essay is: How to Get Rich: The Sorely Needed Logical and Structured Essay That Won’t Be Found Anywhere Else Today. I wrote this because I figured it was something that was needed, something that would be fresh, new, and take an innovative approach to the subject aside from the usual spiel of “don’t drink that Starbucks [more...]

Date: 2009-01-09 00:10:27

Take Control of Your Finances Part 6: Get Out of Debt

Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else ... as well. Good debt versus bad debt One comment you may hear is that mortgages and student loans are “good debt” while credit cards and car loans are “bad debt.” The philosophy here is that houses [more...]

Date: 2008-11-21 17:52:35

The Debt-to-Income Ratio: How Much House Can You Afford?

Housing is the largest expense in the budget of most families. But how much is too much to spend on shelter? ... of her grandfather’s home. The loan that made up the difference, with closing costs, broker’s fee, taxes ... my compassion. Ms. Natale (who has three children) took out a housing loan that left her just $100 [more...]

Date: 2008-11-11 13:00:08

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

OBAMA CALLS FOR END TO EIGHT YEARS OF FAILED UNITED STATES POLICIES

Democratic presidential nominee Barack Obama laid out his credentials to take on and beat Republican candidate John McCain in the fall election. Obama compared himself to McCain on domestic and foreign policy in an impassioned speech before a cheering crowd at the Democratic National Convention Thursday [more...]

Date: 2008-08-29 03:05:24

Barack Obama Accepts His Party’s Nomination In Historic Speech

I’m still reeling with emotion from watching the whole thing. How amazing it will be to have a president that inspires such high feelings, instead of inspiring cringes. We’ll get more up later, but this is the first 16 minutes for you. UPDATE: If you’d like to see the whole thing again, here you go [more...]

Date: 2008-08-29 03:31:54

Confused about the bail out bill?

The 700 billion dollar bail out bill passed on Friday, except it is called a financial rescue package ... a home because of the large student loan payments they have. It is possible for students ... that, and took out student loans. She now works two jobs to make ends meet. Don't get me wrong [more...]

Date: 2008-10-06 05:10:03

Common Types of Guaranteed Loans

by Trinity Townsend When you hear the term guaranteed loan, most likely you think of a loan that is guaranteed to be issued ... . This type of loan works well for people who do have bad credit and are unable to get other types of loans ... , a guaranteed loan can mean different things. In truth, there are several types of guaranteed loans [more...]

Date: 2009-01-13 11:29:21

Is there Good Debt?

by Michael Geoffrey Some people think that all debt is bad. But that is not the case. There is some debt that is actually good ... . The overwhelming majority of credit card purchases are things that lose value. Another bad debt is borrowing ... with the potential for a greater return in the long run. The money you spend is gone. * Credit card debt [more...]

Date: 2009-01-17 09:19:02

Sellers think you don't have to lower prices or offer closing help? The next shoe is dropping, this time Credit Cards!

With the stock market down big today and oil back up I have to admit it's been a downer of a week. I did have to chuckle though today in reading this story about just how bad it's getting for the banks. Lenders have long relied on consumers' credit scores to decide whether to approve card [more...]

Date: 2008-06-21 05:23:51

The U.S. as a Banana Republic?

Plane Ditches in New York River, All Aboard are SafeReutersNEW YORK (Reuters) - A US Airways jet with 155 people on board ditched in the frigid Hudson River off Manhattan after apparently hitting a flock of geese on Thursday and officials said everyone was rescued."We've had a miracle on the Hudson," New York Gov [more...]

Date: 2009-01-16 15:10:00

Obama's Speech in Full

Offered without comment, since no comment could make this any better than it already is. Below the fold the full text of Obama's remarks tonight (via the Chicago Sun Times) To Chairman Dean and my great friend Dick Durbin; and to all my fellow citizens of this great nation; With profound gratitude and great humility, [more...]

Date: 2008-08-29 02:43:43

Take Out A Personal Loan If You Need Fast Cash

by Trinity Davidson Fast cash personal loans can be one of the quickest ways to get your hands on some needed money ... and many types of loans for people with bad credit. Related Articles Get The Best Home Mortgage Loans The National Student Loan Database: How to Conduct Searches Guaranteed Payday Loans - The Facts Home [more...]

Date: 2009-01-16 08:44:17

Sub-prime Crisis: What is it all about?

Sub-prime crisis is the current financial crisis (considered as the worst ever since World War II) ... loans market refers to individuals with very good or excellent credit records or ratings and to whom ... characterized by acute credit crunch in the global capital markets. This liquidity crunch [more...]

Date: 2008-10-22 18:38:00

The Economic Downturn and Student Loans: Some Practical Advice for Borrowers

Today's post is from Alan Michael Collinge, author of The Student Loan Scam: The Most Oppressive Debt in U.S ... page for book Student loan companies will soon be lined up at the Federal Treasury, seeking loans ... wracked by student loans in ways worse, even, than defaulting home mortgage borrowers. As we progress [more...]

Date: 2009-01-11 01:14:50

Ctrl BG: A Shortcut to Financial News 11/29

Hope everyone is having a great Thanksgiving weekend and got some great bargains yesterday! ... facility to support consumer finance, including student, auto, and credit card loans and loans backed ... prices also dropped a whooping 17.4% from a year ago, a record decline. Along with this bad economic [more...]

Date: 2008-11-29 14:40:00

Thursday Convention Night Open Thread

NOTE FROM JOHN: POW!!! The bio video has started and the networks (those not showing football right now) are all covering the scene at Invesco Field. SPOILER ALERT - The following are the prepared remarks of Democratic Nominee Barack Obama: Remarks of Senator Barack Obama "The American Promise" Democratic Convention Thursday, August 28th, [more...]

Date: 2008-08-29 02:12:35

Better Solutions For North Dakota’s Tuition Problem

North Dakota Americans for Prosperity Director Dustin Gawrylow has some better suggestions ( ... of his suggestions: *Increase the grace period for student loans. Currently, each graduate has six months ... loans. *Create a higher education tax credit. In an age when education costs were paid [more...]

Date: 2008-07-26 15:55:23

Weekly Round-up - New Music Edition

I am a big music fan and I have a fairly large music collection (around 500 CDs) ... , a couple months ago I received a Best Buy gift card for my birthday, and I just recently went ... for. :) Kevin from Rich Credit Debt Loan wrote about making extra money with P2P lending [more...]

Date: 2008-06-29 19:47:21

Barack Obama: Eight is Enough

Barack Obama accepted the nomination of the Democratic Party on Thursday night with an acceptance speech which should help provide momentum to get him elected in November. He made his case that we must not continue the failed policies of the Republican Party which John McCain has supported for the past eight years [more...]

Date: 2008-08-29 04:32:42

The Debt Generation

Credit cards are hailed as convenient tools, a way to build credit and earn points or rebates ... loans and other education related debt make up a great chunk of that for many, credit card debt is also quite high and on the rise for young people-some high-school students even have their own credit [more...]

Date: 2008-09-04 22:13:09

How To Find Cash Advance Loans Online

by Trinity Taggart If youre not going to be paid for a while and you have bills to pay, youre probably trying to figure out how to make ends meet ... , how to find an online loan, and about how to find student loans for people with bad credit. ... . Unexpected expenses can cripple almost anyones finances. Sometimes a quick cash loan makes sense [more...]

Date: 2009-01-16 04:57:36

Personal Loans For A Real Estate Down Payment

With the down payment presenting the largest difficulty for most people want to buy right now, ... out there, as well as personal lines of credit and even credit cards. Not all of these are a possibility ... unsecured, the interest rate is higher than real estate loans, and the repayment period is shorter [more...]

Date: 2008-09-09 14:01:00

What the hell is wrong with these people?

By BJ We are in the midst of one of the worst financial crisis’s in modern history in large part because of a house of cards built on the prospect ... the availability of auto loans, student loans and credit cards, according to people familiar with the matter ... to investors who want to buy securities backed by credit cards, auto loans and student loans, [more...]

Date: 2008-11-25 17:45:42

Review: You’re So Money

Each Friday, The Simple Dollar reviews a personal finance book of interest. A few weeks ago, I piqued the interest of many readers by mentioning offhand that I’d recently read a personal finance book that “ticked me off almost as much as Rich Dad, Poor Dad.” Well, this is it [more...]

Date: 2008-06-06 14:00:48

Should we deviate from our goals?

At the end of 2007, I set out goals financially for us to achieve here ... of his program.  We have managed to cash flow the rest of the tuition but it has been hefty @ $1142 per credit ... in the summer of 2 classes. So we will only be paying $18k for tuition + fees + books + parking so $20k [more...]

Date: 2008-07-28 15:33:40

Gates of Vienna News Feed 9/24/2008

USA5th Grader Suspended for Anti-Obama ShirtBush Calls Bailout Vital to Economy, Will Meet With McCain and ObamaHomeland Security Detects Terrorist Threats by Reading Your MindObama Worked Closely With Terrorist Bill AyersOnline Critics Take Aim at $700 Billion Financial Bailout ProposalSeptember 11 Suspect Grills U.S [more...]

Date: 2008-09-25 00:42:00

Using Good Debt to Pay for a House, Car, or Education

Hello again! Cate here, talking, as usual, about debt. The point of my series here at Queercents is to talk about the dangers of getting into debt ... that will produce concrete benefits to your life. The bad kind of credit card debt that I’ve talked about often ... benefit. I’ve had both kinds: Bad Debt: $5,000 credit card debt from living beyond my [more...]

Date: 2009-01-16 02:45:14

Howard Schweber: The Answer We Needed to Hear

It was the first question of the night: "With the economy on the downturn, and retired and older citizens and workers losing their incomes, what's the fastest, most positive solution to bail these people out of the economic ruin?" Obama's answer was fine -- anodyne, uninspiring, reasonable, and utterly uninspiring [more...]

Date: 2008-10-08 12:26:53

A Commonly Believed Myth: The Little Guy Just Can’t Get Ahead

things should feel fine between us, Creative Commons License photo credit: tarahm ... they live in a third world country and are truly poor for reasons beyond their control?  Yes.   Bad ... , the problem is they’re bad with managing money [more...]

Date: 2009-01-11 02:01:28

Gates of Vienna News Feed 11/25/2008

Events seem to be shaping up for a major confrontation between Israel and its various Muslim enemies. Hizbullah now has three times as many missiles in Lebanon as it did at the start of the war in 2006. Hamas is challenging Abu Mazen and continues to launch rocket attacks from Gaza [more...]

Date: 2008-11-26 04:50:00

Balancing Good Vs. Bad Debt In This Economy.

Every headline you read about personal finance right now says to get out of debt ... , we are talking about credit cards. This is the bad debt that you should be working on full time to try to get rid ... and no - you do want to get rid of any credit card debt, for sure. But what about your mortgage, car [more...]

Date: 2008-11-26 14:00:56

An argument for forgiving consumer debt.

An argument for forgiving consumer debt. Looks like Bank of America needs more money to save Merril Lynch ... student loans; maybe even allow people to refininance their home at its current value and forgive ... bad investments and loaning money to people who have no prospect of repaying the loan. I don’ [more...]

Date: 2009-01-15 18:04:55

The next meltdown?

So what is the next meltdown?  This article in MSN suggets it’s credit cards.  Definitely a possibility ... , but how are people affording credit cards, student loans, and car loans?  Much like foreclosures ... . First, the average debt of consumers is $16k when averaged over people who don’t have credit cards, pay [more...]

Date: 2008-11-06 17:42:46

How to Become Debt Free and Secure Your Financial Future

There is no greater threat to your financial future then having to deal with overwhelming debt ... cash on yourself. That’s the problem with borrowing money through the use of personal loans, car loans, and credit cards; once you start paying that interest its money that is now working [more...]

Date: 2009-01-17 06:24:15

How Can We Save Our Debt-Swamped Government? [Your Government]

The United States is $10.2 trillion in debt. Like countless Americans, our government has spent beyond its means and needs help getting back on its feet. We recently received a panicked email from White House Budget Director Jim Nussle... Help!!!! I can't stop spending! [more...]

Date: 2008-10-11 22:00:00

Transcript: President-Elect Barack Obama News Conference | The Economy and Paul Volcker | November 26, 2008

(Source: CNN) (JOINED IN PROGRESS) BARACK OBAMA (D), PRESIDENT-ELECT: … It has been increasingly clear in recent months, and we saw some additional reports this morning, that we’re facing an economic crisis of historic proportions. And at this defining moment in our nation’s history, [more...]

Date: 2008-11-26 18:22:41

Travel Tips

Someone pointed out a budget travel article to me sometime last year, but I didn’t care much for it, so I’m not going to link it here ... a month’s rent late. I diligently paid down my credit cards, paid my student loans on time, and banked [more...]

Date: 2008-06-26 13:28:45

Guinevere will now have less money

When I was in 11th grade, my English teacher, who we'll call Mr ... of not needing to pay back student loans. This same job ... in college, and I credit (or blame, depending on how you look at it) Mr. Z for that. I've always [more...]

Date: 2009-01-14 08:16:36

Obama Davenport Liveblog

At the last moment, our John Deeth got some wifi and liveblogged Barack Obama’s “town hall meeting without the hall” in Davenport. 11:32 and our scene is the Mississippi Valley Fairgrounds in Davenport, just in front of the Machine Shed Restaurant with a row of flags in the background. It’s a very different vibe for an Obama event [more...]

Date: 2008-08-25 17:03:41

Finding Personal Loans For Fast Cash

By Trinity Davidson If you find yourself needing money quickly, fast cash personal loans can be a smart way to go ... for you. This is also a good loan option for people with bad credit. The lending institution usually ... individuals about how to find a personal loan and about many types of student loans for people [more...]

Date: 2009-01-16 08:47:13

McCain, Obama on Education

By Rob Boisseau at AIP With less than two weeks before the election, a series of FYIs will offer the presidential candidates’ positions on education policy.  Below is an excerpt from the October 15 presidential debate when Senator John McCain and Senator Barack Obama pressed their education reform agendas [more...]

Date: 2008-10-24 18:16:37

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