Get a $50 or $100 Gift Card From American Express

If you’re responsible with credit cards and looking for a bonus, ... of your credit score. Opening and closing a credit card in quick succession may affect your credit score ... Membership Rewards points after spending $500 over the first three months. The points [more...]

Date: 2008-10-02 23:50:19

Blog posts (147) | Videos (19)
 

$7,500 1st Time Buyer “Credit” is a LOAN

I’ve been seeing quite a few agents and lenders using the $7,500 1st Time Buyer “Credit” in their promotional materials aimed at first time buyers ... , if there is sufficient capital gain from the sale…if the tax credit is claimed on the 2008 tax return, a $500 ... closing costs Just How Much Your Credit Score Impac [more...]

Date: 2008-10-08 03:39:29

Saving your credit and credit scores

I have blogged about my experiences with American Express and their systematic reductions in my credit lines ... , but in my case Amex decided to start chasing the balance.  I pay them $500, then they reduce my credit limit ... as “closed as consumer’s request”)  which would have locked in the higher credit limit on the credit [more...]

Date: 2009-01-14 23:51:28

January 7 - IBM/MSFT Layoff Rumors Remain - Oglivy Cuts 10% - LM Glasfiber Spins 150 Out the Door - Cessna Warns - 400 Less at Barclays - Aloca Sheds 15,200 - EMC Deletes 2400 - Lenovo Erases 2500

                                  Mike: Good day to all ... . The jobs news for today is rather light Challenger Job-Cut Report. with the big news coming ... with credit scores of 500 who don’t have a steady job. Credit cards are drying up for many, which [more...]

Date: 2009-01-07 13:47:48

Afternoon Edition of Friday’s Rates

Today stocks are rallying based on the events that were announced this morning: ... with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 ... @ 1 Pt:  6.875% (APR 7.550%)   by 0.875% to rate FHA.  Pricing based on credit score of 620 [more...]

Date: 2008-09-19 20:09:31

Secured vs. Unsecured Debt

credit card In speaking to a friend recently about credit cards, mortgages, and personal finance, ... to back it, so the creditor can only attack your credit score and not your home. There are secured credit cards, where you pay a specific amount up front to the creditor, for instance, $500 [more...]

Date: 2009-01-14 12:29:37

Friday’s Rates on Thursday

Huh?  Since tomorrow is Independence Day, the bond markets will be closed…so I thought I would provide you with mortgage rates on today ... with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan ... .   We also had the Jobs Report released today which reported a loss of 62,000 jobs [more...]

Date: 2008-07-03 18:00:27

Friday’s Rates following the Rescue/Bail Out

There have been so many factors that typically influence the direction of mortgage rates over this past week, it’s amazing.  Just this morning we had another dismal Jobs Report with a greater loss than expected ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-03 21:29:05

Where's The Happy Medium?

The other day, I noticed that the finance charge on one of my credit cards had gotten a lot higher, ... been more than $1,500), and in the last six months, my salary has increased about $10,000. My credit score hovers somewhere around 700, give or take. I have to wonder: Where's the 'increased risk'?The banks [more...]

Date: 2009-01-15 20:39:00

Rates on a Rocky Ride

It’s been tough on mortgage backed securities this week ... properties).  The conforming rate quote below is based on owner occupied with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan amount of $400,000 [more...]

Date: 2008-07-18 16:12:47

This oil man favors a gas-tax hike

If the government raises the cost of driving, it surely would be bad for the energy business. So what's the CEO of Western Refining thinking? ... or more. He's even willing to credit the Europeans with a good idea or two on this score, as he explains ... (WNR, Fortune 500) in 1997 and in a decade built it into a $7.3 billion giant (No. 342 on the Fortune [more...]

Date: 2009-01-03 19:26:00

Just Tricks…No Treats for Friday’s Rates

Mortgage rates continue to trend upwards like mummies crawling out of their graves.  (Sorry…bad reach. Booooo).  October has been terrible for rates! ... and FHA jumbo loans.    We’ll end next week with the goulish Jobs Report.  Most traders should ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-31 19:48:17

Fiat Abarth 500 R3T for Sanremo rally

10 Guaranteed Ways to Save on Auto InsuranceThursday, September 24, 2009 14:34 Without a doubt, an automobile insurance can create a very huge hole in your pocket. The premiums you will pay will be determined by the make of your car, your credit score, and the company, agent, agency, or broker that you are dealing with.To be able to save on car insurance, you MUST do the following:Ensure you maintain a clean driving record.Never take the first quote estimate that you get from the insurer. [more...]

Date: 2009-09-24 18:34:32

Rates, Rumors and Reaction

This morning began with rumors of a possible Government take over of Fannie and Freddie which caused the GSEs stocks to further tumble ... occupied with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan [more...]

Date: 2008-07-11 21:13:07

Texture of the Credit Crunch, Not So Good

Mortgage brokers view of the mortgage meltdown. As a mortgage broker I can tell you that the past several years have been bludgeoned with careless ... to such as the small business owner who grosses $500,000 per year but has a bottom line of $50,000. With a decent ... credit score mortgage with no money down and no real income verification. Are you [more...]

Date: 2009-01-06 21:05:00

Self-Employed Still Getting Denied Home Loans, Despite Easing Market

Entrepreneurs_Home_Mortgage_Woes Entrepreneurs are used to dealing with problems people with steady paychecks often don’t have to worry about ... t get a $500,000 loan for a home in San Francisco, despite having a stellar credit score of 800 ... . Here’s yet another one: getting a home loan. The mortgage-lending crisis that’s frozen so many [more...]

Date: 2008-12-02 14:00:28

Rain City Mortgage Rates

Just a reminder that next Thursday is Thanksgiving and banks will be closed.  Our office will be closed until Monday, December 1, 2008 ... with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan ... a mortgage with loan amounts of $417,001-$567,500 by the end of the year, please check [more...]

Date: 2008-11-21 22:37:18

Treasury Makes Subprime Auto Loans

One day after the treasury (taxpayers) injected $6 billion into the failing auto industry GM, GMAC ease lending rules to entice car buyers ... of 620 or lower to be "subprime." The median U.S. credit score is 723, according to Fair Isaac ... . Many of the vehicles also carry cash discounts of $500 to $4,250.GMAC, meanwhile, will extend loans [more...]

Date: 2008-12-30 19:56:00

Rain City Friday Rate Update

Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount of $400,000.  This scenario [more...]

Date: 2008-12-12 21:18:32

It's a New Year -- Get a $500 Tax Credit on Energy Savings

Now that 2009 has begun, the opportunity is here to enjoy income tax credits for energy efficient home improvements ... more specifics, see the Energy Star website. Other links: For kids Get your personal energy score [more...]

Date: 2009-01-13 22:43:04

Mortgage Rates following a Dismal Jobs Report

This mornings Jobs Report was ugly. 240,000 non-farm jobs lost in October (higher than the expected 200,000) and unemployment at 6.5% ... with a sales price of $500,000 and a loan amount of $400,000. Rates are priced based on a low-mid credit score [more...]

Date: 2008-11-07 16:48:53

YA & Girls Playing Sport

Back in early August, Doret Canon of the wonderful blog, The Happy Nappy Bookseller , wrote to thank me for linking to her and ”put in a request for a YA novel featuring girls playing sports. Any sport will do.” I misread her as asking for recommendations for such YA novels when she was in fact asking me to write ‘em. (What can I say August was kind of mental for me.) I was ashamed to discover that all I could think of was Catherine Murdock’s Dairy Queen series and my own How To Ditch Your Fairy . [more...]

Date: 2009-09-22 04:30:48

Avoid the Freshman Financial Fifteen

College students have a lot to deal with: New classes, new surroundings, new friends, and adjusting to a new lifestyle away from home.  It’s easy to get wrapped up in the college scene and forget to take care of your finances, but making good decisions early will pay dividends later.  Here are fifteen financial missteps often made by college students and strategies to avoid them.1.    Not budgeting This is undoubtedly the biggest mistake we college students can make.  It is important to set [more...]

Date: 2009-09-30 15:10:57

How To Prioritize Your Debt Repayment Plan

Everyone knows that healthy personal finances requires debt reduction. However, paying down debt can become discouraging when you have a great deal of it, from a variety of sources. Paying a little bit extra every month on each of your debts doesn’t seem to make a dent, thanks to high interest charges. Instead, you can make more effective use of your debt repayment funds if you concentrate on retiring one debt at a time. This can also simplify matters and help you focus your efforts. [more...]

Date: 2009-09-24 01:03:28

Monday Morning NFL Reckoning

Wish there was a NFL column full of hodgepodge lists, arcane facts, half-truths, free association ramblings, and absolutely ZERO family anecdotes or coffee recommendations?  Yes?  Good!  You’ve come to the right place.  Let’s get this rat killin’ underway. Vikings 27 Niners   24 Lets go ahead and get this one out of the way.  Brett Favre did something magical yesterday.  He took his team down the field and won the game on a 32 yard toss with 2 ticks left on the clock. [more...]

Date: 2009-09-28 13:09:24

Words from the (Investment) Wise - September 20, 2009

Marking the one-year anniversary of the Lehman Brothers demise, risky assets last week again marched higher to the tune of economic data supporting the argument of a global economic recovery. A realization among investors that the economic transition from recession to recovery was gaining momentum, resulted in many global stock markets scaling fresh peaks for the year. Ben Bernanke, Federal Reserve chairman, on Tuesday said the US recession “is very likely over”. [more...]

Date: 2009-09-20 17:24:08

Three Tips To Accomplish Approval For The Student Credit Card

If you’re a college student, you know how expensive books, movies and tuition could be. And if you just work throughout the summer break, you might be finding for a track to stretch your funds during the cold winter months. Happily, a student credit card could assistance. Find one through less interest and good terms, and you could charge in the lean moments and then pay it off when you are making money on your summer task. To reach a student credit card, follow this strategy: one. [more...]

Date: 2009-09-30 01:37:25

Words from the (investment) wise for the week that was (September 14 – 20, 2009)

Marking the one-year anniversary of the Lehman Brothers demise, risky assets last week again marched higher to the tune of economic data supporting the argument of a global economic recovery. A realization among investors that the economic transition from recession to recovery was gaining momentum, resulted in many global stock markets scaling fresh peaks for the year. Ben Bernanke, Federal Reserve chairman, on Tuesday said the US recession “is very likely over”. [more...]

Date: 2009-09-20 08:06:45

Understand How to Deal with Homeowners Insurance

Understand How to Deal with Homeowners Insurance by Matti BadshawAre you paying too much for homeowners insurance? Are you one of the many first time home owners who needs to find coverage for the first time? Either way, it is very important to learn a few things before you buy a policy for your house. After all, for most of us, our homes are the largest asset we own.Think about the things that a good policy must cover. It is obvious, I think, that the actual home will need to be protected. [more...]

Date: 2009-09-30 14:51:47

A Look at the AFC After Week 3

It’s only Week 3 and the NFL already has provided plenty of great moments and stories. You have the Jets emerging as a threat with rookie QB Mark Sanchez and the Ravens rolling right along with 2nd year QB Joe Flacco, but you also have the duds and the disappointments. Lets have a look at all 32 AFC teams. AFC EAST 1. New York Jets 3-0 It has been a great story for the Jets this season. Mark Sanchez has quieted the doubters, and has this team on their way to a playoff spot. [more...]

Date: 2009-09-30 13:55:01

Daily Owner Earnings

ThoughtsSoon the yield on Treasury bonds will be too high to justify issuing them. Instead they will just print money.I saw an advertisement for 500x leverage in currency trading. That partially helps to explain the huge moves I’ve seen lately. There is obviously a bunch of speculator playing around; probably more than normal; [more...]

Date: 2009-01-13 01:38:00

My Net Worth Is Down Only 10% Since Its August 2008 Peak

So, how did I manage this remarkable accomplishment?  Let me tell you…. I have been tracking my family’s net worth for about eight months now ... ;P 500 and other indexes because of the mutual funds’ bad gambles in stocks like AIG, Wachovia, Fannie ... ).  You are essentially earning the interest rate of your credit cards and car loans when you pay them [more...]

Date: 2009-01-10 18:13:54

2008 Year in Review - A Look Back (1 of 3)

What follows are excerpts of posts from 2008. It was a busy year.George Bush and Karl Rove were masters of politics and the two stooges of policy, a frightening reminder that voters can be easier to seduce than reality.-----------Why not build the Escher Expressway – build all roads to slope downhill as a means to improve gas mileage? [more...]

Date: 2009-01-02 07:53:00

Getting The Help You Need With Bad Credit Loans

Just because you have bad credit does not mean that you do not qualify for extra cash flow help. Millions of people with bad credit are getting bad credit loans and very easily! If you have run into trouble and you need extra money, then you need to look into getting loan online. There are plenty of resources that you can utilize in order to get the proper loan from the right lender. Take a look here first and find out what you will need to do to get back on your feet as quickly as possible. [more...]

Date: 2009-09-20 19:32:48

Half a Million Lost Jobs, Civil Unrest, the Obama Rally and More!

by Addison Wiggin & Ian Mathias Another half a million jobs lost… unemployment reaches new historic highs So how long until people take to the streets? Army already plans to “quell civil unrest” Consumers, businesses borrow less… Bill Bonner on why government spending can’t cure private withdrawal Hoping for an Obama rally? [more...]

Date: 2009-01-08 01:36:29

Choosing The Right Bad Credit Loans

by Chuck Lage Because of the bad economy people all over the country are going default on their loans and credit cards. The all around credit score for the average person is very low and people still need help. If you ever find yourself in a tricky situation, you can get out of it with a loan . Bad credit loans can be found all over the internet if you can look in the right place. Before you run off and start applying, make sure that you have everything that you need. [more...]

Date: 2009-09-24 09:37:32

Choosing The Right Bad Credit Loans

by Chuck Lage Because of the bad economy people all over the country are going default on their loans and credit cards. The all around credit score for the average person is very low and people still need help. If you ever find yourself in a tricky situation, you can get out of it with a loan. Bad credit loans can be found all over the internet if you can look in the right place. Before you run off and start applying, make sure that you have everything that you need. [more...]

Date: 2009-09-22 21:18:29

Applying Online For Bad Credit Loans

Applying Online For Bad Credit Loans by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 13:04:19

Words from the (investment) wise 9.20.09

Words from the (investment) wise for the week that was (September 14 – 20, 2009) Marking the one-year anniversary of the Lehman Brothers demise, risky assets last week again marched higher to the tune of economic data supporting the argument of a global economic recovery. A realization among investors that the economic transition from recession to recovery was gaining momentum, resulted in many global stock markets scaling fresh peaks for the year. [more...]

Date: 2009-09-20 14:00:20

Debt Consolidation and Freedom Debt Management consolidate your credit card debt

Amazon.de Widgets if you have credit card debt, it is definitely important that you make paying it off a priority. However, how you pay it off is just as important as when. Below are the top five mistakes we all make when struggling with debt. Learning what mistakes to avoid from the beginning should help you deal with your debt and avoid ruining your credit score in the process.Need Freedom in Debt.Just Visit Debt Consolidation Companies offer Free Debt Counselling Services. [more...]

Date: 2009-09-23 13:02:18

Swiss National Bank Cut Rates 100 BPS!

Trading Theme returns…  Automakers’ bailout vote today…  Not using all your arrows…  Housing Starts go back to 1959! And Now… Today’s Pfennig! ... into the problems (credit markets and the Fed and Treasury’s response to the crisis), and does a great ... ) we have warned about the consequences of unbridled credit expansion. We argued that artificially low [more...]

Date: 2008-11-20 17:17:19

Choosing The Right Bad Credit Loans

Sep 27th, 2009by Chuck Lage. by Chuck LageBad credit is something that most of us have to deal with today. At some point in life you may end up running into some trouble that requires some extra money. Those who have bad credit scores are now able to get the cash that they need without a lot of hassle. Bad credit loans have recently been introduced and there are a few things that you need before you get started. [more...]

Date: 2009-09-27 12:46:25

Mortgage Rates Fall to Record Lows

Rates are at their lowest level in decades, but mortgages remain elusive for most homeowners and hopeful buyers January 15, 2009, ... that the government would buy up to $500 billion of mortgage-backed securities backed by Fannie Mae, Freddie Mac ... as homeowners with good credit and equity in their homes—an unusual combination these days—rush to lock [more...]

Date: 2009-01-16 13:41:00

Credit Card Review: Chase Freedom

Chase Freedom has always been a favorite among card users seeking cash back rewards. But in recent months, there have been some big changes to this card that was once the hands down best card for cash back rebates. You can still get $100 cash back with a new Chase Freedom card , but once you’re in, things are a bit different than they used to be. Check out this review of the updated Chase Freedom card for the lowdown. [more...]

Date: 2009-10-01 11:11:57

P2P Lending Double Whammy – SEC and Credit Crunch

Peer-to-peer lending sites like British-based Zopa are starting to reflect the weakness cutting through the global economy. Their U.S ... with the Big Banks’ experiences was that the average credit score of the delinquent pool is getting ... . operations will now be handed over directly to their Credit Union partners, rather than remain [more...]

Date: 2008-10-16 19:43:02

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Drawing attention

My readers all know that I am a Phoenix Suns fan and I have never wandered from that thought, ... them how much were we down because the score looked so bad and I needed a calculator to figure it out” ... six winning teams. They have pummeled sub .500 teams this year with a record of 21-3. What I love [more...]

Date: 2009-01-14 23:21:16

Loose Change: 1/15/09

houdini_CV_20090115092637.jpg Getty Images Personal Finance: -How to shop for legitimate, nonprofit credit counseling. SecretsForMoney ... -Members of the Pennsylvania State Employees Credit Union will be trailblazers in the free credit-score front. It’s an expansion of the “Scores on Statements” program. WSJ -Along with college [more...]

Date: 2009-01-15 14:30:54

Three incentives form bulk of stimulus

By any measure, $775 billion is a lot to absorb, particularly when the details of President-elect Barack Obama’s economic recovery plan keep shifting. To help keep score, here’s a cheat sheet of the tax cuts the new administration ... reduce their taxes by $500 per individual and $1,000 for a family. Workers who pay less than [more...]

Date: 2009-01-07 09:44:05

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

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