Life After Bankruptcy Discharge

by Craig Schiffer There are a lot of issues which a person has to face after bankruptcy discharge. Apart from all the money related problems, there is a lot of mental stress which comes with bankruptcy. Therefore, it is very important that the person refers this phase as a bad phase in his financial life and get on with his life. He needs to try and forget about it and make a fresh start. It is difficult but certainly not impossible. [more...]

Date: 2009-09-29 17:10:51

Blog posts (175) | Videos (28)
 

Bad Credit Car Refinance Options

Your bad credit car refinancing is very easy to do if you act fast after first getting your loan. Once a car loan drops below about 8,000 dollars, it is hard for even people with great credit scores to find refinancing options. Although, when car loans do drop below that 8,000 dollar mark, there are alternative methods of refinancing available so that all monthly bills can be lowered into a range that can be paid easily if income drops unexpectedly. [more...]

Date: 2009-09-29 17:57:47

Need a Payday Loan? Important Tips are Here!

Do you looking for a same day payday loan? The financial help through a no fax payday loan will be a best option for you. Getting a loan on the same day of application is not that complicated because of the increase in payday loans available today. This will help you to manage your unexpected expenses without any delay. You don’t have to waste your time on faxing documents and proofs. If you are not getting approved by one lender, don’t be panic. You can try with other lenders. [more...]

Date: 2009-09-29 18:16:13

Fixing Credit Report - The Good… The Bad… And The Truth

by Tim Beachum Obviously you are interested in the topic of fixing credit. No matter what your reasons are for wanting to repair your credit, the benefits are well worth it. Depending on your situation you can lower your monthly bills, open a bank account, get better rates on loans, the possibilities are endless. Before I begin explaining the fixing credit process, I feel it is important that you have the right mindset before we begin. [more...]

Date: 2009-09-30 08:14:45

No Credit Check Loans – Help and Advice

by Jimmy Tyrrell Thinking about a no credit check loan but not sure of all the facts? If so, you should invest a few minutes reading this. By the end of this article you should be better informed to decide if no credit checks loans are for you, and as there is more than one type of no credit check loans which one you should consider. Firstly, we must address the subject of no credit check payday loans. Because of the reasons described below these loans might not be an option. [more...]

Date: 2009-09-29 11:35:37

Opting For Bad Credit Refinance Is Like Walking On Thin Ice

Opting For Bad Credit Refinance Is Like Walking On Thin Ice by Angus GuyWondering whether it is possible to get a bad credit refinanced or not? Well, you can most definitely get a bad credit refinanced as there are several people who take to this recourse. Normally, your credit ratings dictate the future prospects of availing a further credit. However, despite the low credit ratings; Bad Credit Refinance is definitely an option available.The bad credit situation is a result of various factors. [more...]

Date: 2009-09-30 21:56:17

Profiting from Payday Loans in 2009

On an otherwise normal evening in 1964, a woman known as “Miss Witness” received a disturbing telephone call from alleged loan shark Frank Sacco ... . Prices are still crashing - currently sitting about 35% below a year earlier. Credit is nearly frozen. Banks and credit card companies alike are buckling down and leaving very little money free [more...]

Date: 2009-01-16 19:38:12

Bernanke Casts Doubt on Stimulus, Says Fed May Buy Toxic Assets to Loosen Credit

Warning that the timing of an economic recovery is “highly uncertain,” Federal Reserve Chairman Ben S. Bernanke said yesterday (Tuesday) ... about the continuing chokehold banks have put on credit to companies and households than he is about offering ... of the economy where liquidity has dried up for “credit easing”, reported the Guardian. “Credit sprea [more...]

Date: 2009-01-14 14:57:59

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. To increase your credit score the first thing you need to do is to actually find out what your credit score is. By not knowing [more...]

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

Government help for the bank lending: just “get on with it”

Last weekend the Prime Minister announced yet another “anti-recession” plan which included the “creation of up to 100,000 new jobs” ... that households are reining in after the years of credit-fuelled excess. Two key indicators are housing equity ... and car show rooms. The saving ratio collapsed in late 2007 and actually turned negative [more...]

Date: 2009-01-08 21:14:21

Survival Of The Weakest

There was a very interesting pair of articles over the weekend on the New York Times by Michael Lewis and David Einhorn called How to Repair a Broken ... that if you don’t prop up these banks you risk an enormous credit contraction — if they aren’ ... up failed banks and extending them huge amounts of credit has made business more difficult for the people [more...]

Date: 2009-01-05 17:48:00

Bailout Binge: Zombie Edition

You know, Keyser has been ruminating a bit recently about the implications of printing ungodly sums of money to bailout people and companies that made bad decisions in the past and would go into bankruptcy if they didn't get bailed ... , and the only problem is this "credit crunch." So give them a few hundred billion dollars (in return [more...]

Date: 2009-01-17 18:22:00

Short Term Funding

Readers Question: There appears to be a lack of credit to companies whereas there are huge amounts of money in money market funds ... of recession. A corportate loan has become a lot more risky because of the economic downturn. e.g. ... funds / finance institutions have had to write off bad loans meaning their balance sheets are pretty bad [more...]

Date: 2009-01-17 09:51:39

Get Money Quickly With Online Payday Advances

by Rose Martin Payday advances have helped millions of people get the cash that they need in a small amount of time. When people are looking to get something in a hurry, the typically tend to turn to the internet. Especially if you need money in a rush, you should make sure that you get online to get an advance first. Here are the ways that you too can benefit from a payday advance. The money that you get from a loan company needs to be paid within about two week’s time. [more...]

Date: 2009-09-29 20:53:06

FHA chatter; News from MERS, Wells, Flagstar; Home price index not as bad as feared

  As my grandfather used to say, “If you find yourself in a hole, the first thing to do is stop digging.”* Apparently the folks at Sunwest Bank , out of Tustin, CA, felt the same way. Clients received a letter saying, “I regret to inform you that as of October 2, 2009, Sunwest Bank will be suspending its mortgage banking operations. [more...]

Date: 2009-09-29 19:04:07

Bad Credit Home Loans – Unemployed and Need Money Help?

Bad credit home loans are something that have gained in popularity since the beginning of the recession.  Many borrowers who once had good credit now have bad credit.  Some of these borrowers are unemployed and need money help.  Unfortunately these hard working Americans have been put in a tough situation that is sometimes hard to get out of.  Luckily for them there are companies out there who will help paying or getting a bad credit home loan. [more...]

Date: 2009-09-29 17:22:22

Bail Me, Stimulate Me

In a week that signaled much worse is coming, perhaps the more dismal indication on the financial front was that Democrats finally had a chance to ... the kind of behavior that got us here: more bad loans to the wrong people won't en our crisis; they make ... . If that sounds bad, it shouldn't; this week's debate on TARP had essentially the same contours [more...]

Date: 2009-01-16 20:24:10

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

Things You Need to Know Before Raising a Private Loan

Things You Need to Know Before Raising a Private Loan by Martin ElmerA personal loan (consumer loan, private loan) could be an option, if you are short on money. But before you are raising a loan, you better learn about concepts like security, fees and interest rates.A personal loan is defined as a loan rose by an individual. Normally it is raised to buy something (like a vacation or a television). But it can also be used to pay of other dept. [more...]

Date: 2009-09-30 11:41:02

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

Painful eyes

A lot of emails come my way every 24 hours. Some stand out. Like this one. Not just that she’s a realtor who likes me ( ... to holding mortgage and credit card debt to the tune of 75 Billion, they say well that’s normal that’ ... citizens have become. Not just because she now laments the influence of cheap credit and easy money [more...]

Date: 2009-01-17 03:17:13

Countrywide Home Loans is killing me

First a little history: November 16, 2007 I had major surgery and my employer let me go on my first week home on disability ... , and executive employment can be hard to find. I lived off credit for 9 months increasing my debt to a crisis ... yet they assigned the data to only one of the loans causing more delay (they kept saying [more...]

Date: 2009-01-17 20:06:52

How to win (pf) friends & influence people. NOT!

Regular Readers :) Please consider this post a 'break from regular programming' and not directed at any of you at allDear fake 'readers' who have ... to post their insurance, credit card, payday loans sites in a post in a link disguised as a post ... has been very good to me and I'm happy to hear genuine comments from readers, but I'm really tired having [more...]

Date: 2009-01-16 18:20:00

On ABC, Dem Barney Frank Rages at 'Distortions' of Chris Cuomo

"Good Morning America" news anchor Chris Cuomo on Tuesday actually challenged liberal House member Barney Frank over how Congress has spent the ... to the working men and women? Why didn't you do that first?" However, Cuomo should be given credit ... attacked, "Mr. Chairman, your title is Chairman of the House Financial Committee. I mean, certainly [more...]

Date: 2009-01-06 22:46:46

The End of Large-Bank Wholesale Lending - Time For the Mortgage Banker

The End of Large Bank Wholesale Lending - A Resurgence of Middle Market Mortgage Banking – Chase…a Leading Indicator This week Chase shut down ... t effectively manage its pipeline of locked and in-process loans. Of note, Credit Suisse recently shut down ... because NMN is subscription - sorry: “As the refinancing boom gathers steam selected residential [more...]

Date: 2009-01-16 18:23:12

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

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

Refinancing When You Owe More Than The Home Is Worth

I've been looking around for an answer to this but my searches haven't returned anything useful ... ? Was all the refinance hype only because the markets kept going up? Is this the reason why people who got an bad loan ... to the utter limit for 100% financing could refinance into more favorable loans as their equity picture [more...]

Date: 2009-01-08 09:54:12

Free lunch? - What does UK government funding mean to startups?

This is a guest post by Nick Halstead, CEO and founder of fav.or.it As I am in the midst of raising another round of funding for fav.or ... funding for business that is meant to help SME’s survive through the credit crunch. The question ... SCHEME This is just a fancy new name for what you probably know as the SFLG (Small Firm Loan Guarantee [more...]

Date: 2009-01-15 09:25:59

And Then There’s This…Thursday, January 15th, 2009

As per usual these last few days, gold did nothing in Far East or European trading ... time when a rally commenced. But it was all for naught once the London p.m. fix was in. The bids ... -) will move their earnings release date to today from next week. How bad must their numbers be? Citigroup’ [more...]

Date: 2009-01-15 20:30:45

Advice To Pres. Obama (#2): Yes We Can, But Will We?

The below post/letter is very important to me, and brings together much of what I have worked on the past few years ... particular issue runs the risk of creating more long term harm than good. In this letter, I attempt ... . In this letter, I would like to explain what some of these things are. In addition [more...]

Date: 2009-01-15 16:49:43

Debt Validation And Collection Agencies

Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]

Date: 2009-09-29 23:06:03

America Has Lost Focus

I worked 34 years for the same corporation. We had a CEO who grew the corporation from a Mid-West based refiner marketer to an international production, refining, chemical and marketing company. He selected his successor more than ten years before he retired. The successor was anointed. He was told he would be the CEO when the current CEO retired [more...]

Date: 2009-01-18 02:48:49

No Fax Payday Loans-But Are They Hard To Get?

by Jacob Williams Frequently there is a circumstance in which you will run into an unanticipated expense ... , and employer. Some companies do not even require a credit check. This means even if you have bad ... in order that you get the best possible deal. Payday loans are not all the same. Some of them come [more...]

Date: 2009-01-16 17:49:40

Take advantage of emergency funding from Fast Cash Personal Loans

Fast personal cash loans are very useful for immediate use in cash if it is an emergency situation. While rising interest rates and high cost lenders, the loans in cash, but the issues more quickly for an employee at the time of emergency. The loan will be used in a simple and stress-free, even for people who have bad credit. Read the article for the main characteristics of the loan. read more [more...]

Date: 2009-09-30 09:16:51

WSJ: "Housing Push for Hispanics Spawns Wave of Foreclosures"

From the Wall Street Journal:"Housing Push for Hispanics Spawns Wave of Foreclosures"By SUSAN SCHMIDT and MAURICE TAMMANCalifornia Rep ... with loans that often didn't require down payments, solid credit ratings or documentation of employment ... all congressional districts in percentage of home loans not tailored for prime borrowers. The caucus [more...]

Date: 2009-01-05 04:10:00

Finance - Books on Personal Loans

by Jorg Maurer Personal loans and all the terminology that goes with it can make your head spin after awhile ... issues including fixing up homes, then this book will give you calibre information in both areas. “ ... you information on how to pay off debt, including credit cards and personal loans. “Live Debt Free” (3rd Edition [more...]

Date: 2009-01-16 11:31:03

Full Text: Barack Obama on Economy | Economic Recovery and Reinvestment | January 8, 2009

(Source: Office of the President-Elect) Throughout America’s history, ... from a troubled past, and set a new course for our nation. This is one of those years. We start 2009 ... ’t believe it’s too late to change course, but it will be if we don’t take dramatic action as soon [more...]

Date: 2009-01-08 18:00:11

Good Bank - Bad Bank

What a turbulent three weeks of the New Year it has been! It began with the hope that major stock markets around the world ( ... at resuscitating the credit markets. After the TARP approach of investing in Banks’ preferred stock ... bureaucrats is to segregate the “bad” assets on Banks’ balance sheet from the good ones [more...]

Date: 2009-01-18 04:32:12

Shock & Awe! - NOI Gets Bombed

Noah and I have been talking ad nauseam about the imminent threats to the New York City land market, ... of the tentacles of the credit debacle going back quite a stretch. We opined over and over that job losses ... of the bad news, but sprinkled in with the positive sound bites are some honest comments [more...]

Date: 2009-01-09 00:25:02

Portugal Sustains

“Art has a function of teaching about the human condition. We live in hope, hope is fundamental” - Manoel de Oliveira Manoel de Oliveira (photo and quote above) is a living example for the Potuguese people of how to force their way out of the low growth/low per capita income trap into which they have steadily stuck their neck [more...]

Date: 2009-01-12 14:37:23

Markets Manias: Thinking About the Year Ahead

The alternative title for this post might have been "Still Inside the Box" since recent market action could be taken, as we are tending to do, ... we're "in the box" because the markets are wrestling with a) the continuing credit crisis ... collapse, the Lehman bankruptcy, we see the sudden grasping of the truth of how bad it is. The mid-Nov [more...]

Date: 2009-01-17 14:34:33

?Home Foreclosures: More Than Just Bad Budgeting

by William Blake For the past several years, the number of home foreclosures has been steadily increasing and it seems that there is little chance for the situation to improve itself. The people who are affected by home foreclosures ... to be individuals who have had some bad experiences financially or who have been taken advantage [more...]

Date: 2009-01-16 10:05:19

Currencies Range Trade with a Bias to Buy Dollars

Currencies range trade…  With a bias to buy dollars…  Recession deepens in Eurozone…  India cuts rates… And Now… Today’s Pfennig! ... manufacturing index report, indicating that the Eurozone’s recession is deepening. Of course if we compared ... data in a couple of days from the U.S. this report from the Eurozone gets all the attention. Normally [more...]

Date: 2009-01-02 12:41:59

Bad Credit Financing – Unemployed and Need Money?

Bad credit financing is something that many unemployed Americans are looking for to get money help.  If you are unemployed and cannot find a way to make ends meet financially by getting a bad credit loan it might make things a little bit easier.  The issue at hand is the fact that getting a bad credit loan can sometimes be hard if you have no proof of income. [more...]

Date: 2009-09-29 23:02:25

How to value toxic assets

There should really be a question mark at the end of that title.  As far as I can tell, no-one really knows ... . These include schemes whereby the government buys up bad assets in return for cash or government bonds ... of that is cash assets that are unlikely to lose value). Last November the US government did the same thing [more...]

Date: 2009-01-17 11:28:19

Alan Schram: The Story of 2008: What Went Wrong?

The past year has been financially chaotic on a level almost no one alive has ever seen ... in loans from their gracious neighborhood banker. This sounds like very high leverage ... more than 1%. However, suddenly home prices decline nationwide, and 20% of the mortgages default [more...]

Date: 2009-01-12 05:06:35

WSJ: Bank of America to Receive $20 Billion Injection, Support for $118 Billion of Loans

The market's case of nerves this week seems a tad more justified, given that the details of the Bank of America rescue plan are apparently out, Previous press reports suggested the Charlotte bank might need $8 to $10 billion of additional equity to compensate for losses related to the Merrill acquistion. Yes, as Senator Everett Dirksen said [more...]

Date: 2009-01-16 06:21:44

Got TARP? How About Tax Haven Subs?

As we arrive (almost) at the inauguration of the new administration, we are still facing an enormous financial system problem, headed by banks that got too big and gorged on the profits from speculating in risky derivatives at a cost ultimately to be borne by the taxpayers [more...]

Date: 2009-01-16 20:53:31

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