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How to Avoid the 7 most Critical Home Buying Mistakes

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-17 20:27:03

Blog posts (143) | Videos (31)

Thursday Stories: Why Real Estate Is Down; Sun Sets On Saturn; Health Care Flowchart

Stories I'm reading this Thursday: Report: 1 in 3 home loan applications rejected Are distressed homes worth buying? Bernanke navigates regulatory "turf war" No surprise as credit card delinquencies hit new highs Collapse of Saturn deal stuns GM China keeps snapping up African oil Landlord sets example more should follow Mastercard takes a swipe at 7-11 The ultimate health care flowchart Bill Gates once again [more...]

Date: 2009-10-01 16:37:07

who i look like part 1

Ok, first I need to thanks Shannon for posting those pictures to facebook. I really got a kick out of them ... (when I wear my green hat) 2) Mr Tumnus (the fawn-man in chronicles of narnia) 3) The “free-credit-report-dot-com guy” (the one that sings) Oh there are so many more… ps…i need to create a category [more...]

Date: 2009-01-09 06:02:34

Thursday Opening Report: Inside Park, Pizza and Calzone Certified Open; AQ Kafe Maybe Monday

aq%20kafe.jpg Photo Credit 1) Midtown: TONY and Midtown Lunch both report on the opening of AQ Kafe, a spin-off of the Scandinavia House eatery ... ; 212-593-3333. NYT; Metromix 3) Carroll Gardens: More of a reopening report than an opening report ... in Brooklyn, is back open for business, after a month-long renovation...Inside, it doesn't look [more...]

Date: 2008-09-25 19:32:57

McCain Tax Jab Overlooks His Own Proposal

ABC News' Teddy Davis, Rigel Anderson, and Hope Ditto Report: John McCain is stepping up his assault on Barack Obama's tax plan ... the following litany of refundable tax credits favored by Obama: (1) a "make-work-pay" credit of up to $500, (2) a universal mortgage credit of 10% of mortgage interest, (3) three different extensions [more...]

Date: 2008-10-17 02:16:31

The Sky Has Fallen: Now What?

Superstrategist Ed Yardeni is quoted by James Pethokoukis in US News & World Report on what could go right in 2009: (1) Lower mortgage rates fuel a refinancing boom which lifts consumer spending. (2) Home sales increase and home prices stabilize. (3) Easier credit conditions increase auto sales. (4) The drop in fuel [more...]

Date: 2009-01-14 15:51:36

CD Calculator

CD Calculator AIG Bank High Yield Money Market Account eBank 1 Year Certificate of Deposit Rate Bank of Internet 3 ... a Car Purchase Online Banking Getting a Copy of Your Credit Report Imperial Capital Bank CD Rates [more...]

Date: 2009-01-04 20:48:14

MortgageNewsClips: CA Foreclosure Predicts, FDIC- Show Me the Money, John Burns, Kohn Speech, Finger Length and Testerone, Contra Trend, Jody Shenn, Toro Chart Series, Bottom is Near, 3.5 is Possible, Positive Traction, 3 more, IRA Has 4

   clear explanation and good charts - Mr. Mortgage: Dec CA Foreclosure Report - Defaults up 100% - December CA Mortgage Defaults Up 100 ...     yahoo-news 1.  Study Cites Early Testosterone Exposure -  In addition to subprime mortgages, credit [more...]

Date: 2009-01-15 00:56:39

Nightly (Value) Investment Links #57 Part 1

Here are todays links as well as some highlights since I last ran the nightly links. These Links will be two part as they are very extensive ... January Outlook: Pyramid Crumbling - Via Pimco 3. Apollo Asia Fund 4th Quarter 2008 Report - Via ... Paul Kedrosky 23. US Savings Tsunami And Its Implications - Via Paul Kedrosky 24. Credit Quality [more...]

Date: 2009-01-16 23:50:57

Is the 6-month Stock Market Rally About to End?.

by Bob Chapman Global Research October 1, 2009 The G-20 Pittsburg Summit ended last Friday. Their official statements made for some novel and interesting reading. We were informed that the group could by working together could manage a transition to a more balanced pattern of global growth. Tending to domestic demand as private savings increase. It is obvious to us this cannot work. We are seeing increased savings and decreased consumption. The IMF as well agrees with these policies. [more...]

Date: 2009-10-01 17:54:55

Washington - Distracted Drivers Are a Safety Hazard on King County Highways

During Wednesday morning’s commute an off duty trooper observed an erratically driven BMW passenger car in the northbound lanes of SR-167 in Auburn.The off duty trooper reported the vehicle as he was certain the driver was impaired as he was watching him for over 3 miles drift in and out of his lane, driving on the shoulder, and at times taking up 2 lanes of travel. It turned out that the driver hadn’t had a drop of alcohol, but instead was reading the daily newspaper while driving to his destination. [more...]

Date: 2009-10-01 19:19:06

Could Goldman Sachs Share GM’s Fate?

Investment banks have gotten fat off the land since 1982, when the great U.S. bull market got its start. Their business has multiplied many-fold, and their earnings have soared into the stratosphere, to a level far higher than any other sector. Now, JPMorgan Chase & Co.  (NYSE: JPM ) has issued a report suggesting that investment-banking returns on capital will be sharply down over the next few years. Perhaps this will be only a moderate downturn. [more...]

Date: 2009-10-01 18:38:32

Could Goldman Sachs Share GM’s Fate?

Investment banks have gotten fat off the land since 1982, when the great U.S. bull market got its start. Their business has multiplied many-fold, and their earnings have soared into the stratosphere, to a level far higher than any other sector. Now, JPMorgan Chase & Co.  (NYSE: JPM ) has issued a report suggesting that investment-banking returns on capital will be sharply down over the next few years. Perhaps this will be only a moderate downturn. [more...]

Date: 2009-10-01 18:38:32

Real Estate Investing – Why And How

In the world of Globalization, everybody wants to make investments for varieties of reasons like to secure his future, for his family or may be for more success and wealth. Now the investments options available are stocks, bonds, gold, bank certificates and deposits offering easy and good returns. These options are quite simple to make; just visit them, give your funds and you’re sorted out; however Investments in Real estate are little bit complicated to understand. [more...]

Date: 2009-10-01 23:17:46

Credit Services

October 1, 2009 | By Sara Bernard In Finance | by Sara BernardThe recent economic downturn and financial crises have left many people with destroyed credit. Some credit repair companies are making outrageous claims that they can instantly repair credit. You need understand what these credit repair companies intend!If you want to start a credit repair process, the first thing you should do is find your credit report. It is widely available online due to a new law. [more...]

Date: 2009-10-01 21:25:56

Does The Abortion Compromise Preserve The Status Quo?

Rep. Lois Capps (D-CA) As Republicans prepare to introduce a series of amendments rationing abortion services out of health care reform , Jessica Arons — Director of the Women’s Health and Rights Program at the Center for American Progress Action Fund — has compiled this very useful comparison of how the proposed reform bills would change current abortion restrictions. (I’ve summarized her report in the table below). Democrats have argued that health care reform would preserve the status quo. [more...]

Date: 2009-10-01 19:45:06

Creating Denser Cities Won’t Reduce C02 Emissions Enough

M.I.T. Technology Review wrote that creating denser cities doesn’t reduce C02 emissions enough to make a major difference by 2050, when some of worst effects of climate change are expected to take effect. A  recent report from the National Academy of Sciences (NAS) found that policies designed to make cities more compact will “do little to reduce gas consumption by 2050.” Fighting urban sprawl, and the time spent commuting via cars, has been viewed as critical to reducing C02 emissions. [more...]

Date: 2009-10-01 17:46:55

Oh Yes

A decision by a county court judge could mean thousands of borrowers being able to renege on their debts. Judge Jacqueline Smart at South Shields county court has decided that the MBNA credit card company cannot demand the repayment of a customer’s debt. It tried to force Mrs Lynne Thorius to repay the £8,000 she owed on her card. But the Judge decided there had been an unfair relationship between Mrs Thorius and MBNA because of the way she had been sold payment protection insurance. [more...]

Date: 2009-10-01 19:41:49

City Forests seeks $3m carbon credits profit

| Sourced From Odt.co.nz |Dunedin City Council-owned City Forests is targeting a revenue boost of up to $3 million this financial year from sales of carbon credits, possibly to international interests.Of its total 16,100ha forestry holdings, about one-third are eligible under the Kyoto agreement to produce carbon credits, City Forests chief executive Grant Dodson said, when contacted, yesterday.“Our objective is to gain our carbon credits from Maf (the Ministry of Agriculture and Forestry) in [more...]

Date: 2009-10-01 18:00:25

Online Business � 10 Steps To Setting Up Your Business Online

An online business will extend a business’ reach to more prospects they can market to. Entrpreneurs realize that there is a huge opportunity on the internet to market to their prospects � it’s also cheaper. However, this no small project. Creating a professional online presence requires planning and organization. Here are 10 steps you need to follow to launch a business online. 1. Domain Name Register a name for your website. Choose a name that is short and easy to remember. [more...]

Date: 2009-10-01 23:17:28

Would You Like To Find Out How Airmiles Creditcard Can Help You Fly For Free!.

In the midst of the growing costs of airfare, the having a airmiles credit card that earns airmiles with purchases appeals to several people. Both American Express and Discover own such products. Any product spoken about in this commentary has an online application form, which helps speed your way into enjoying an air miles credit card. American Express airline rewards programs include such features as: The ability to earn travel miles on all you buy with the Card. [more...]

Date: 2009-10-02 00:15:12

Tips for Staying Alert during Holiday Travel

Traveling during the holidays is very exciting and there is plenty going on all around you. However, it is very important that you remain alert so you wont be involved in an accident or become a victim of theft. There are plenty of criminals that target holiday travelers as they know they are likely to have money on them and they arent always paying attention to their surroundings. Accidents can take place anywhere during holiday travel so you need to be prepared for the unexpected. [more...]

Date: 2009-10-01 21:17:53

Senate Climate Battle Is On

Progressive Breakfast: Senate Climate Battle Is OnProgressive Breakfast10/1/09 7:11 AM Isaiah J. Poole Health Care for All An Economy for All 501c(3) Progressive BreakfastThe legislative battle to lower greenhouse gas emissions is finally getting into full gear in the Senate with Wednesday’s introduction of a comprehensive climate change bill.McClatchy News Service reports:The landmark legislation — called the Clean Energy Jobs and American Power Act — would force the U.S. [more...]

Date: 2009-10-02 00:03:18

Prosecute Polanski for rape of a minor! Includes transcripts from thirty years ago.

As you know, the critically acclaimed movie director, Roman Polanski, has been arrested in Switzerland for the rape of a minor. The U.S. is seeking extradition of Polanski to the U.S. for trial. It has been over three decades since Polanski’s violent rape of a 13-year old girl. The girl has since settled with Planski in civil court and even states that Polanski should not be prosecuted further. France, among other European countries, believe Polanski should not be prosecuted by the U.S. [more...]

Date: 2009-10-01 19:04:17

Robert Pattinson: Vancouver Life According to Jack Huston!

Actually, this report is possible and very convincing. Multiple news sources report that Twilight hunk Robert Pattinson who plays the role of Edward Cullen is now "jailed" and afraid to be a "normal person" (I think so), according to his 'Eclipse' co-star Jack Huston. Eclipse is the third installment of the Twilight Saga where Robert Pattinson, Kristen Stewart, Taylor Lautner and the rest of the cast members are in Vancouver shooting scenes for the movie. [more...]

Date: 2009-10-01 18:33:00

ISM: September manufacturing data disappoint; market sells off

The September 2009 Manufacturing ISM Report On Business showed the manufacturing sector and economy expanding.  But no matter, the markets wanted more. Equities sold off in a major way today. We’re talking over 200 points on the Dow and 65 points on the Nasdaq. On the other hand, Treasuries rallied and the yield on the 10-year is now down to 3.19%. As I told you selling equities and buying treasuries was a good idea two weeks ago, I think this move has further to run. [more...]

Date: 2009-10-01 21:08:39

In The News Today

Dear Extended Family, Well here we go again. The Wave of Fear is breaking but one more and unnecessary time. The Gold banks do everything possible to hammer gold on even a hint of an intraday dollar rally. Under $1000 she goes and off goes the community into deep depression. You need to understand you did nothing to put it above $1000. Most of the community are observers only, but make sure you understand what you are observing. [more...]

Date: 2009-10-01 20:12:00

Eventbrite integration with MailChimp

Ever since we launched MailChimp in 2001, our customers have been asking us to build an events management tool for MailChimp. Thing is, we’d rather focus on what we do best: making email marketing awesome . “Events” is not our specialty, so we felt we’d never be able to make it awesome enough. Then we discovered Eventbrite , which is the best events management tool we’ve ever used. And it just so happens they also have an API. [more...]

Date: 2009-10-01 17:29:31

King Report: Economic Data Turns South

> For the past two weeks we have been warning that economic data is turning lower. On Wednesday, US beancounters manufactured a better than expected GDP but private economic data appeared that was materially worse than expected. The ADP Employment change for September is -240k; -200k was expected. More importantly, the closely-watched Chgo PMI declined to 46.1, which is below the 50 line of demarcation between growth and contraction. 52 was expected. [more...]

Date: 2009-10-01 19:03:20

Mortgage Calculators Can Be Invaluable When Comparing Loans

by Matthew Eccles Are you looking for some inside information on free mortgage calculators? Here’s an up-to-date report from mortgage calculator experts who should know the formulas used to calculate mortgage payments. Mortgage calculators can be found on a numerous websites. Lots of these websites are run by banks and mortgage lenders and others are run by those who just wish to provide internet users with helpful information. [more...]

Date: 2009-10-01 20:02:15

Today's Stimulus Hearing

This morning's Republican hearing on the economy offered several alternatives to the Democratic stimulus package that was set forward just afterward ... : A "net new hire" tax credit, which would make it less risky and expensive for businesses to expand ... businesses to make such investments, as they must currently report depreciation losses slowly over [more...]

Date: 2009-01-15 23:53:16

Big Gas: U.S. Natural-Gas Imports to Rise, Prices to Fall?

The Journal’s Russell Gold reports: Energy demand is down. The global economy is sputtering. Meanwhile, U.S. natural gas production is up ... . Wood Mackenzie, the Scotland-based energy consultant, predicts in a new report that LNG imports ... reeling from overextending themselves while credit was easy. If gas is cheap and plentiful, it could [more...]

Date: 2009-01-16 10:31:00

Experts Gather at McGill University to Address Food Security Challenges

Photo by by TRO Kilinochchi Staff of IDPs in the Vanni. TRO is providing humanitarian assistance to the 200,000 internally displaced persons. The Govt. of Sri Lanka is restricting international humanitarian assistance and access to these IDPs, resticting food, medicine, fuel, building materials for temporary shelters and other essential items.Leading experts from international agencies, NGOs, the food industry and academia will meet at McGill University, in Montreal, Oct. [more...]

Date: 2009-10-01 23:21:40

Another Quasi-Nationalization, House Debuts Obama Stimulus, Russian Resource War Approaches, Prices Fall and More!

by Addison Wiggin & Ian Mathias Congress unleashes remainder of TARP… another $350 billion into the void Treasury wastes no time… Bank of ... and hawing on how “It’ll be different this time,” the rest of the bailout went straight to the Treasury ... and Merrill in less than 12 months. Today we learned Lewis has been pleading with Uncle Sam [more...]

Date: 2009-01-16 20:25:19

L-3 Cleaning Balance Sheet – Analyst Blog

L-3 Communications Holdings Inc. ( LLL ) yesterday announced that its subsidiary L-3 Communications Corporation will issue $1 billion in senior notes with coupon rate of 5.2%. The notes are due in October 2019.  L-3 Communications will use the proceeds from the note issue along with available cash to reduce its debt burden. The company plans to redeem $750 million in senior subordinated notes due in 2012 and repay a $650 million term loan. [more...]

Date: 2009-10-01 19:30:57

Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!

Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga… Even the IMF needs a loan… $150 billion to back ... and notprofitable) segments of the business. Robert Rubin, who among other things helped create this “ ... predicted today. According to Morgan’s report, profits at HSBC will decline “sharply” this year [more...]

Date: 2009-01-16 15:28:24

Good Credit Maintenance

Maintaining good credit is vital to your financial life. There are people who get a poor credit report due to neglect and the improper reviewing of the credit report. There are also others who have been through the process of repairing their credit and managed to maintain good credit afterwards. If you do not want to ever need credit repair, good credit maintenance is necessary. Luckily, simple steps can assist one in the proper maintenance of a good credit status. [more...]

Date: 2009-10-01 17:57:24

Learn How Credit Report Companies Obtain Your Payment History

Learn How Credit Report Companies Obtain Your Payment History by Andy ZainIf you’ve ever applied for a loan before or if you have credit accounts and credit cards, you may have knowledge on credit report companies. Many businesses rely on information from credit reporting agencies to supply them with up to date and past information on your finances so they can make a decision on extending credit. Here are a few insights into how credit report companies operate.The top credit report comp [more...]

Date: 2009-10-01 19:53:36

Honor Warren Shows Mom Jessica Alba That She Preferrs Walking!

Jessica Alba proudly looked on as her daughter, Honor Warren, happily wobbled down the street in Hollywood, CA on September 30, 2009. Honor was obviously loving her newly found skill despite her mother looking slightly worried, and made it obvious that she preferred walking over being carried as she wiggled to get free of Jessica's arms once she picked her up! Photo Credit and Report: Right/Fame Pictures [more...]

Date: 2009-10-01 20:57:00

Retail Sales Disappoint

Retail sales disappoint….  Chuck’s views on the Lone Prop…  Waiting on the ECB…  Emerging market currencies sell off…  And Now… Today’s Pfennig! ... according to yesterday’s report from the Commerce Department. The falling home prices, rising job losses, and tighter credit have all combined to finally force US consumers to adjust their spending [more...]

Date: 2009-01-15 17:57:41

Windows Azure and Cloud Computing Posts for 10/1/2009+

Windows Azure, Azure Data Services, SQL Azure Database and related cloud computing topics now appear in this weekly series.   Note: This post is updated daily or more frequently, depending on the availability of new articles in the following sections: Azure Blob, Table and Queue Services SQL Azure Database (SADB) .NET Services: Access Control, Service Bus and Workflow Live Windows Azure Apps, Tools and Test Harnesses Windows Azure Infrastructure [more...]

Date: 2009-10-01 23:00:00

Will a short sale hurt my credit score?

When I meet with homeowners who are struggling with their mortgage are maybe behind on payments and have no equity in their home, ... get this question - “Will a short sale hurt my credit score? And if so, by how much?” I have been doing ... or foreclosure on one’s credit report. I recently came across some great information provided by a mortgage [more...]

Date: 2009-01-15 20:14:24

Circuit City To Liquidate… Over 30,000 Jobs To Be Cut

Bankrupt Circuit City Stores Inc., unable to work out a sale of the company, said Friday it will go out of business _ closing its 567 U.S ... had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market and consumer worries ... stores and dealer outlets in Canada. Galardi told a judge there are still bids for the Canadian [more...]

Date: 2009-01-16 21:58:08

Economy Weakens PC, Chip Sales

Things are not looking good for PC and chip manufacturers as consumers held back on electronics purchases during the holidays ... for the first time in 6 years in the fourth quarter of 2008, according to a new report from IDG ... tightening credit, eroding confidence, and growing unemployment,” said Doug Bell, research analyst [more...]

Date: 2009-01-16 20:37:39

IVR (Interactive Voice Response) - A Brief Explanation

IVR (interactive voice response) is a telephony technology that allows users to interact with a database through phone keypad or voice commands ... to do things like check bank balances, manage credit cards, check for store hours or locations, or order ... hours. IVR systems are also used to report non-emergency problems to cable or utility services [more...]

Date: 2009-01-17 04:48:05

1-16-2009 (Fri Evening) Fin. & Econ. Activity

House Democrats’ version of the $825 billion recession rescue package would end billions of dollars in tax breaks the Bush administration quietly ... debt until 2019, hoping to encourage new lending - CNN Money, David Goldman Top Videos of the Week ... s biggest bond fund, said Friday - CNBC (Reuters) >>>Credit Where Credit is Due….In truth [more...]

Date: 2009-01-17 02:00:46

Buck Slightly Higher

In the currency market, the dollar inched higher against the euro. Late Wednesday, the euro was trading at $1.3176 vs. $1.3187 on Tuesday ... margins.” The Fed’s Beige Book report covering early December to early January painted a sober picture ... credit standards and a drop in lending activity. Banks’ woes continued, as Deutsche Bank warned [more...]

Date: 2009-01-15 19:10:52

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

Journalists call Livni ‘terrorist’ during press conference on Gaza operation

Press conferences are pretty much stage managed these days. Ever heard of a journalist accusing Bush, Cheney, Rice, Blair etc of being a terrorist? ... press conference Friday in Washington, D.C., moments after she signed an agreement ... moments came when one journalist began to quote at length a Human Rights report on the situation [more...]

Date: 2009-01-16 23:40:39

iranfootballteam' s Blog blogfa

Showing off your elegant neckline is an excellent way to draw attention to your well-formed upper body, and to bring a natural glow to your face. Oftenitmes we forget dreams as soon as we wake up. Small business credit cards are unsecured ... copy of my credit report? Yes. - Avoid shaving as much as possible; while shaving takes care to avoid [more...]

Date: 2009-01-17 00:34:22

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