Debt

This isn’t a new years thing, just a … “fuck, I need to get a handle on this” thing. And I’ve been working on this for a while anyway ... . (Theoretically, I could try to get my credit line increased and pay off with everything with that, but … I’m not convinced that getting MORE credit is the solution to my problems.) Anyway, because I’ [more...]

Date: 2009-01-16 18:26:57

Blog posts (35) | Videos (14)
 

Los Angeles Mortgage Rates Report: January 14, 2009

The US Treasury Department has been supporting the mortgage bonds market, in order to keep mortgage rates under 5% ... , their funding line gets filled up.  Imagine a funding line (sometimes called a warehouse line of credit) like a big credit card,  Normally, a big bank needs, say $100 Billion for its line.  The unexpected [more...]

Date: 2009-01-14 06:35:15

Bad credit risk, bad driver?

This is a good year for drivers in California. Way back when in 1988, Proposition 103 received more than enough support from voters to pass ... . Add in lack of consistency in employment and multiple lines of credit getting close ... insurance quotes , check out your credit score and, if necessary, repair the score. The Fair Credit [more...]

Date: 2009-01-06 12:06:34

Weekend Roundup Vol. 12

Weekend Roundup: Well another week comes to a close. Time goes by so quickly it makes me want to work less and less and enjoy life more and more ... to a FREE credit report from each of the three major credit reporting agencies: Experian ... . ***You can get your free annual (once per calander year) credit report, viewable on-line, no credit [more...]

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

Banks Supposedly Will Cut Consumer Credit Card Lines by $931 Billion if Reforms Mandated

There is a rather amusing story at the Financial Times tonight, "Credit card reforms ‘to cost banks billions’". Let's look at the particulars ... that banks will lose $10 billion in interest annually, reduce credit lines by $931 billion, and put ... not get anyone well known for banking expertise to put its name on a self-serving report [more...]

Date: 2008-12-15 01:59:42

Stimulus - Hold Your Horses.

Stimulus - Hold Your Horses. December 21st, 2008 | 1 Comment | Posted in Economy Two thirds of Canadians polled on Canadian Business’ site believe ... $4 billion Canadian in loans and supports, including credit lines to consumers to get people buying cars ... loans to the Canadian arms of Detroit’s ailing automakers to keep them operating while they [more...]

Date: 2008-12-21 16:52:13

California Bar Journal Article “Will A Bad Economy Force More Changes In The Profession?”

Thanks to Adrianos Facchetti over at the California Defamation Law Blog for sending me this interesting article from the California Bar Journal ... from the article: According to the Bureau of Labor and Statistics, the number of legal jobs declined ... on lines of credit when business gets slow.  At same time, associates ignore billable hours [more...]

Date: 2009-01-08 17:48:12

The Next Batman 3 Villain

The Next Batman 3 Villain Add comments Top Rising Stories Tough Weather At British Open Sends Golf Scores Soaring ... to check it out. Get the full story... Credit Lines FREEZE, But Not For Reverse Mortgages Frozen ... Gusting winds of 30mph and heavy rain sent the average score on the first morning [more...]

Date: 2008-07-18 12:42:13

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]

Date: 2009-01-15 03:41:35

Some still call it an "equity cushion"

Wow, this brings back memories. Aside from here at my own blog, where it is most commonly referred to derisively (see Wither the Equity Cusion ( ... or so, but it popped up again this morning in this (free) WSJ story.Even the Rich Get Home-Equity Yanked ... holding the line of credit has concerns," says Don Lampe, a partner at law firm Womble Carlyle [more...]

Date: 2008-08-07 23:11:00

What Can You Expect After a Bankruptcy? The Time Line

Recently, someone called this article to my attention, which extolls the advantages of bankruptcy ... because of BK 4 years to 7 years: Credit score below 680, forget about getting an unsecured credit ... : No credit cards, loans, insurance rate skyrocketed. 1 year to 2 years: No credit cards except secured cards [more...]

Date: 2009-01-09 15:35:08

Helping Yourself Qualify for a Home Loan

There are a fair number of specific helpful suggestions to make in helping you purchase a home. All of them revolve around the loan ... , but if you don't have at least two open lines of credit, a given reporting bureau may not report a score ... thing is to get a credit score above 720. If you're there already, keep doing what you're doing [more...]

Date: 2008-06-20 13:39:52

Bankruptcy Nation

Bankruptcy Nation by Steven D Fri Oct 10th, 2008 at 04:53:54 PM EST The failure of the financial and credit markets is not just a cause for pain ... , as more and more businesses are unable to get the credit lines and other loans from their lenders [more...]

Date: 2008-10-10 21:23:42

Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

Out-of Work Stress

I’ve been getting a lot of letters from people asking how to cope with job loss. HB wrote: My husband was just downsized out of his job ... severance pay. We do not have any savings to speak of but have money available on a line of credit and do not owe on credit cards. We own our own home. I want to plan around the scenario that he may [more...]

Date: 2008-12-26 18:07:44

Out-of Work Stress

I’ve been getting a lot of letters from people asking how to cope with job loss. HB wrote: My husband was just downsized out of his job ... severance pay. We do not have any savings to speak of but have money available on a line of credit and do not owe on credit cards. We own our own home. I want to plan around the scenario that he may [more...]

Date: 2008-12-26 18:07:44

Following Complex Financial Times You Can Rebuild Your Credit

Upgrading credit after a interval of monetary hardships, bankruptcy, repossessions or other monetary strain that blemishes any credit report can be scary and baffling. For most people these are times of hideous strain. But times change and situations change so don't let the relief than comes when the wages and money get back in line be overshadowed by the tribulations left on the credit report. [more...]

Date: 2009-09-30 14:11:53

When you overdraw your checking account does that effect credit??

don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... , you can bet that your credit score will take a hit. Also, if you use an overdraft line of credit ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every [more...]

Date: 2008-09-10 16:07:32

Make big budget problems into small ones

Jen bares her spending issues in this post. It’s a good post to read because it illustrates how one should try to get hold of a big issue ( ... ) 2. Student Loans 3. Interest owing on our Line of Credit (where that $20k is sitting) Now, even ... about what is truly non-negotiable, or you need to look at how to renegotiate your non-negotiables (e.g. [more...]

Date: 2009-01-17 03:14:01

Are we spending enough yet?

Some wise and admonitory words from Ron Paul about the current mania for government spending/stimulus/bailout: How did we get here? ... of a bailout check. The debate seems to focus on whether this will cost enough to save the economy ... . Then open up a line of credit and do the same thing. Both stacks are “legal tender for all debts, public [more...]

Date: 2009-01-16 13:33:05

Verizon is a Dishonest Company!

My husband bought me a blue tooth for Christmas. I did not like it, it hurt my ear ... me I can get a check, but it will take 4 to 6 weeks to reach me or I could get credit. Again I voice ... and go to a store close to my employment. I waited 30 min's on line so I could be told again they also don't [more...]

Date: 2009-01-14 06:33:13

Five ways readers can save on books

NEW YORK (AP) — One budget line Wendy Li isn’t watching even in this tight economy is her spending on books. That’s because she uses PaperbackSwap ... to high food and gas prices. Start swapping If you’ve got books to barter, check out sites ... you’re willing to trade. Every time you mail a title out, you get a credit or point, which [more...]

Date: 2008-11-21 22:49:38

Seniors a Favorite Target of Identity Thieves

When seniors get taken advantage of in group homes they may not report it; afraid of being ridiculed, ... in northeast Texas when she received a disturbing American Express bill - The total was over $5K ... in handcuffs. The high end department store where she had blown her victim’s credit line had video [more...]

Date: 2008-12-15 20:41:57

Sound bites galore on today's presidential trail

It was a good day for good lines from the stump. The Ticket already sent kudos Barack Obama's way for a well-turned variation of a famed Ronald ... -- Bob Casey of Pennsylvania -- coined the barb, Biden said. But he gets credit for delivering ... up for free automatic and instant alerts of every new Ticket item with gusto sped directly to your cell. [more...]

Date: 2008-10-09 01:03:31

Jan-10-We are in double digit days already

Very frosty morning today as you can see from the view from my study.Sermon preparation all day today-though I will try and go for a walk later ... . I am pretty sure I have written enough to get hung already. God help us.Not much more to report really ... FOR PURCHASE RIGHT NOW! SECURE ON LINE PURCHASE. ALL DEBIT AND CREDIT CARDS ACCEPTED. Click [more...]

Date: 2009-01-10 08:40:00

Comic-Con Forecast: Hot, Crowded and Geeky

SAN DIEGO -- Like Clark Kent ducking into a phone booth, Comic-Con International is about to get super ... credit for firing up the buzz machine that led to Iron Man's superheroic box office numbers. "Comic ... ? You can still score one on Craigslist if you're willing to cough up the big bucks.) The lines to pick [more...]

Date: 2008-07-24 03:51:26

Four at Four: OPEC Gets Burned

This is a situation the market has not witnessed in some time: declines in oil, the dollar, bond yields and stocks ... Securing credit lines and making shoes fit. All in a day’s work. (Macys.com) The fragile nature of the credit markets is such that any company that manages to re-negotiate credit facilities [more...]

Date: 2008-12-17 12:26:00

Four at Four: OPEC Gets Burned

This is a situation the market has not witnessed in some time: declines in oil, the dollar, bond yields and stocks ... Securing credit lines and making shoes fit. All in a day’s work. (Macys.com) The fragile nature of the credit markets is such that any company that manages to re-negotiate credit facilities [more...]

Date: 2008-12-17 12:26:00

G.A.C. Fat Ass - No Fees, No Awards, No Wimps

Have you ever wondered why you do some of the things you do? I was in this state of mind as I stood at the starting line of the 11th (Gilly thinks it’s only the 10th) annual running of the G.A.C. Fat Ass 50K at Bradley Palmer State ... of each loop you had to check in with one of the volunteers so you could get credit for completing [more...]

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

GM and Chrysler get US$17.4 billion bailout

They’ve done it, the Detroit boys have managed to secure federal emergency loans to execute their plans to stay afloat ... by law, firms must allow the government to examine their accounting books and records, firms must report ... , the healther of the Detroit 3, is still asking for a US$9 billion government line of credit in case [more...]

Date: 2008-12-21 09:09:13

Things you may want to know before submitting a package

What is happening today in mortgage lending:As of Jan 24th Du will be updated. The up date will now show the correct county limits ... will not get an ineligible just because the loan amount is exceeded. Non Traditional Credit will now require that the credit bureau provide Names and address of the trade line being verified. As of Jan [more...]

Date: 2009-01-16 15:20:00

Beating Collectors With Credit Repair

You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]

Date: 2009-09-25 15:17:42

Penguins Cooke Up A Rare Home

It appears that Michel Therrein's decision to move Matt Cooke to the top line was a good one ... in bubble wrap?Give them credit, they plugged away and followed the defensive system to a tee. Hal Gill ... towels. I love how this city's teams pull for each other, you get the feeling that they genuinely root [more...]

Date: 2009-01-17 04:14:00

Twitter Weekly Updates for 2009-06-21

Israel’s richest woman gets messages, has visions - guardian.co.uk http://cli.gs/z4U25p # Prototype Sustainable All-steel House Completed in Eight Weeks … - PR Web (press release) http://cli.gs/ZEt1jv # Baylor, MCC recognized for ‘green’ building construction - Waco Tribune Herald http://cli.gs/ZGEJ4Z # Banks’ credit to realty sector expands in 2008-09 - Hindu Business Line http://cli.gs/m03S7g # Family of hoteliers builds empire on glitz - Crain’s New York Business [more...]

Date: 2009-06-21 15:45:00

Did America Get Punk’d on the Bailout?

Did America Get Punk’d on the Bailout? Posted by James O'Rourke on December 18, 2008 By David Sirota, Campaign for America’s Future ... , the major claims about a credit crisis that justified Congress cutting a trillion-dollar blank check ... false. For instance, take a look at line 1 and line 5 of this December Federal Reserve report on bank [more...]

Date: 2008-12-18 16:01:10

35 Results