Top 3 Things to Learn About Personal Finance

Regardless of your age, position in life, or your financial goals, there are a few things that we all need to learn about personal finance. Once you have the basics down, everything else can just flow naturally. These tips are the strong foundation upon which you can build your financial future. It is never too late to learn about personal finance, and these money making tips can dramatically impact the way that you view your money. 1. Anyone can save money, regardless of how much they make. [more...]

Date: 2009-09-20 09:21:59

Blog posts (148) | Videos (31)
 

How Can I Get Money for Plastic Surgery?

by Leonard Dawson Financing plastic surgery is not like financing a car or a home. Banks, as you may have guessed, are very careful about who they loan plastic surgery money to. They will very carefully consider your credit history, including late payments, defaults, your bill payment history, and how long you’ve had credit accounts. A loan to pay for plastic surgery is an unsecured debt, meaning there’s not collateral for the bank to repossess in the event of a default. [more...]

Date: 2009-09-29 20:33:13

Preparing for a MortgageMoney and FinanceAdd comments

In today’s economy it is important to know all of your options before agreeing to a mortgage. While there are stricter rules and regulations when it comes to securing a mortgage there are some still available. Before even considering a mortgage it is important to know exactly how much you can afford and your credit score.When it comes to any loan, but especially a mortgage your credit score will be one of the determining factors when it comes to the interest attached to the loan. [more...]

Date: 2009-09-16 05:36:20

What Is The Average Fico Score To Buy A Car?

Are you buying a new or used car? Concerned about your FICO score? Obtaining a loan is a cause of worry for almost everyone seeking a loan. Whether you qualify for the loan or not is a primary issue everyone has to face. Many are curious, while others are competitive regarding the issues of credit scores. Each one wants to know where their status lies in comparison with the national average credit scores. It should be noted that in general the national average credit score is 680 . [more...]

Date: 2009-09-15 09:07:08

Truth In The News From Israel

First attempt did not go through EMBASSY OF ISRAELWashington, D.C. DAILY UPDATE Table of Contents:Facts and Figures - 13 Jan 2009US Officials Statements of SupportHamas Exploitation of [more...]

Date: 2009-01-14 15:13:00

Top Guidelines in Getting the Best Mortgage Rates.

From a past few years many people have made their way towards the mortgage companies to purchase their properties because of the easy installment facilities and Least Mortgage Rates. People have understood the word mortgage very well and this is the reason why the mortgage companies are thriving year by year or in fact day by day. Buying the property, taking the assistance from the mortgage companies is a simple method without burdening ourselves with the bulky amounts. [more...]

Date: 2009-09-10 22:45:26

Restore Your Fico Score – Part One

While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not you will be able to rent an apartment. Lenders and businesses are relying on FICO scores more than ever, and it is have never been more important to make sure that your score is where it should be. [more...]

Date: 2009-09-23 22:27:24

Orig. Articles 10 Niche Sites

September 11th, 2009 Orig. Articles 10 Niche SitesI am looking for 150 articles to be written ( 15 articles for each niche site ). All original and 700 words each(max). Each article must have a Abstract/Article Summary/Teaser Copy (2-5 sentences, no paragraphs please) included I will provide keywords for the first bunch of articles, and examples of how to id keywords for the rest.The pay is $1.30/ article and is incentive based as when you provide good work then we will offer a higher pay rate [more...]

Date: 2009-09-11 16:55:03

How To Improve A Low Credit Score

Do you have a low credit score? If your credit score is below 700, you may not qualify for some of the best interest rates on credit cards, loans or mortgage s. This means that just by having a credit score of 695, instead of 725 (just an example), you may end up paying thousands more in interest on any new credit you are granted, which you can avoid by just taking some simple steps to increase your credit score before applying for a new personal loan, auto loan or mortgage . [more...]

Date: 2009-09-10 01:16:27

Poor Credit Loans – Bad Credit and Need Money Help?

Poor credit loans are a way for people with bad credit to get money help.  In a time when the economy is greatly struggling it is extremely hard for Americans to find extra money to make ends meet.  One way to get some extra money is to get a poor credit loan.  Many banks and financial institutions can help you get a poor credit loan but please realize that if your credit score is well below 700 you are going to see a double digit interest rate on your bad credit loan. [more...]

Date: 2009-09-13 22:50:46

How Fast Can You Get A Home Loan After Bankruptcy?

One of our readers, Desiree, had this question: Is there any possibility of getting a home loan sooner than 2 years after a bankruptcy discharge? ... in bankruptcy”. If it doesn’t, then it is still counting against your credit score each month. Challenge Any ... reports, the credit bureaus will freeze your credit score until the dispute is resolved [more...]

Date: 2009-01-06 16:28:19

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

"Woodward and Hall Analyze the Financial Crisis and the Recession"

I've been arguing that government spending is preferable to tax cuts as a means of stimulating the economy. Via an email from Bob Hall, an argument against that position from a paper described below: General Stimulus Current forecasts have real GDP reach its lowest value in the second quarter of 2009,... the total shortfall $855 billion [more...]

Date: 2008-11-26 07:36:42

Re-visiting the Car

While I dream about owning a Nissan GTR that I saw at the Chicago auto show, in reality I drive an old Nissan Altima about 10 years old ... (through their financing arm GMAC) stopped financing (for sale or lease) customers with a credit score ... as a starting price point, and the average rate of 6.5%, you are paying about $600 / month. However, that “ [more...]

Date: 2008-11-10 14:59:53

Taylor Swift accepts Kanye West's apology

The fourth time, apparently, was the charm. Kanye West phoned Taylor Swift this morning to express his regrets for hijacking her acceptance speech at the MTV Video Music Awards on Sunday night, and the country star officially accepted his apology, Swift told ABC News Radio. "Kanye did call me, and he was very sincere in his apology, and I accepted his apology," Swift said to ABC's Andrea Dresdale. [more...]

Date: 2009-09-15 19:42:44

How long does credit repair take?

Filed under: DebtWe've been getting a lot of desperate comments from people who are seeing their credit destroyed as their personal financial lives ... will it take to get a clean credit record? Most of the negatives on your credit report will drop off after ... facing major drops in their credit scores and not able to get new credit in the tight market [more...]

Date: 2008-11-03 21:30:00

Auto Bubble Breakdown

Cheap financing led to soaring loans.The same chart with the financing rate axis reversed shows the strong correlation between the financing rate and ... they didn't need a new car every 30,000 miles, but they also found it difficult accessing cheap credit as lenders reigned in lending (i.e. GMAC refused to lend to any borrower with a FICO score under [more...]

Date: 2009-01-12 13:53:00

Get Good Credit if You Want to Buy a Car

In this time of economic uncertainty many are putting off a major purchase such as buying a car. Why incur even more debt? ... a service such as FreeCreditReport ($12.95/month for credit score and monitoring) or myFico ... , but their threshold for extending credit has typically been lower than actual banks. What many don’ [more...]

Date: 2008-10-30 00:43:30

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

FUNDAMENTALS TO REPAIRING CREDIT

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... . There are 3 credit bureaus: Experian, Equifax, and TransUnion. You are entitled to a free report ... to break down the milestones on the way. The “credit risk” label is based on your “credit report” [more...]

Date: 2009-01-03 00:19:55

Basics of Credit Repair

by Rob Kosberg People who know they have “bad” credit and are a big “credit risk” are usually aware that something has to change with the way they ... project. The “credit risk” label is based on your “credit report” and “credit score.” Therefore ... these reports. There are 3 credit bureaus that supply reports: TransUnion, Equifax, and Experian [more...]

Date: 2009-01-03 00:35:39

The New China, Bush Asks for TARP, 2009 Oil Surprise, Buy Turkmenistan and More!

by Addison Wiggin & Ian Mathias Chinese exports dive; oil imports, money supply and leverage rise… sound familiar? Bush asks for rest of $700 billion TARP… S&P says USA’s credit rating getting shaky Dan ... . Unfortunately, the model was still dependent on mass consumption in the West. Without credit-fueled [more...]

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

Credit Card Issuers See the Writing on the Wall: Forgiveness of Debt — they also got paid in full through securitization, so there is no obligation owed to them

Credit Card Companies Willing to Deal Over DebtBank of America says it eased off on more than 700,000 credit card holders in 2008, ... ring of a phone.Graphic Behind Changing Tactics, Mounting Losses Related Times Topics: Credit Crisis — ... to foster the explosive growth of consumer debt in recent years, credit card companies are realizing [more...]

Date: 2009-01-05 00:34:25

The Economic Blue Screen of Death

This week I am in California giving two speeches to the Financial Planning Associations of San Diego and Orange County. This and next week’s letters will be the broad outline of the speech. We will look at how the retreat of the American consumer will affect the stock market. Has the recent drop (can we say crash, gentle reader?) [more...]

Date: 2008-10-20 16:11:06

Recommended Free DIY Credit Fixing Website

My friend, Dean, has a website on how to fix your own credit. It’s pretty detailed because it’s what he did himself, for free, to fix his own credit ... . However, it can’t hurt if your score is a 750 to clean up the bad items on your credit report just to nudge it higher. It’s a good time to do this since you can get a free report online and send [more...]

Date: 2008-12-29 15:44:54

Re: curved beams

I remember a client/Architect that wanted me to hold up a structure so I designed him some sky hooks......as long as the aircraft has fuel he is a happy camper. Joe VenutiJohnson & Nielsen AssociatesPalm Springs, CA  In a message dated 1/14/2009 4:39:41 P.M. Pacific Standard Time, rgarner@moffattnichol [more...]

Date: 2009-01-15 07:49:00

GMAC is worth a little ranting 'n raving

The phenomenal speed at which the government spends money these days on various bailout programs leaves the short-term memory a little muddled. For example: the auto industry got its loan; GMAC gained membership to the U.S. commercial banking system; GMAC secured $6 billion in TARP funding; the Treasury is now in over its $350 billion head [more...]

Date: 2009-01-09 00:47:19

CREDIT REPAIR ESSENTIALS

by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... the problem. The “credit risk” label is based on your “credit report” and “credit score.” Therefore ... will be the source of this information. There are 3 credit bureaus: Experian, TransUnion, and [more...]

Date: 2009-01-03 00:49:31

GMAC Loosens Credit Reins After $6 Billion Treasury Loan

The U.S. Treasury has agreed to lend $6 billion to GMAC LLC (GOM), the financing arm of General Motors Corp. (GM) ... immediately announced looser credit lending standards that could make approximately 60 million Americans ... credit to consumers; we’ll put these funds to use right away.” The Federal Reserve granted approval [more...]

Date: 2008-12-31 16:23:22

GMAC Loosens Credit Reins After $6 Billion Treasury Loan

The U.S. Treasury has agreed to lend $6 billion to GMAC LLC (GOM), the financing arm of General Motors Corp. (GM) ... immediately announced looser credit lending standards that could make approximately 60 million Americans ... credit to consumers; we’ll put these funds to use right away.” The Federal Reserve granted approval [more...]

Date: 2008-12-31 12:20:33

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

The truth about home down payments...right now

Filed under: Real EstateWith all the talk about the credit crunch and tough housing market, ... to get a mortgage. While it's true that credit score requirements are higher than ever -- somewhere north ... to get an FHA loan with a weaker credit score than you would need for traditional Fannie and Freddie [more...]

Date: 2009-01-02 23:30:00

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

Personal Loans for Bad Credit – Get Money to Pay Bills

Personal loans for bad credit is a way to get money to pay bills.  Many personal loans help people make ends meet financially in the current state of the economy.  With the unemployment rate on the rise and the amount we get paid on the decline, Americans are trying to find a way to pay their bills.  One way that you can do this is to go to a lender of money and ask for a personal loan or a bank loan. [more...]

Date: 2009-09-10 22:54:04

Terrorists To Be Released By President Obama

From: Gary L. BauerBarack Obama, Meet Mohammed al QahtaniThe Obama transition team leaked yesterday that the president-elect intends to issue an executive order shortly after Inauguration Day ordering the closure of "GITMO." Wild celebrations will no doubt take place at ACLU offices and jihadist hangouts at this news [more...]

Date: 2009-01-15 16:49:00

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... improve by 25% from current levels if credit availability improved.” So investors cheered the news ... that couldn’t be funded through the markets once the credit crunch hit. It is arguably the latter [more...]

Date: 2008-12-30 09:57:00

Media & Politics

Media & Politics 13-Jan-09 Permanent link to MTA daily media news Our Little Shop of Horrors (by Pat Racimora at No Quarter) ... Credit (The Trail, Washington Post) President-elect Barack Obama will address Senate Democrats ... as negotiations unfold, Obama is expected to drop his least popular proposal, a $3,000 tax credit for companies [more...]

Date: 2009-01-08 06:35:02

The bottom of the GOP barrel in Clark County

An item from Clark County I missed last week while on vacation strikes me as emblematic of the problems facing Republicans up and down the ticket ... the service, the Camas couple put the $200 fee on a credit card. When their statement came, they were ... company $311 in credit card processing fees between Dec. 24, 2007, and Jan. 15, 2008, according to [more...]

Date: 2008-10-27 17:00:29

Credit Card Companies Willing to Deal Over Debt

I don’t believe you should carry credit card debt at all. See my tips on using credit cards effectively ... in the borrower’s credit score for as long as seven years, making it far more difficult and expensive to obtain ... credit card debt. But if you do have debt and you are in such a bad personal financial situation where [more...]

Date: 2009-01-04 14:45:35

Credit Score Checkup

Earlier this year I checked my credit report and score with one of the big three reporting bureaus. My score at the time was a 696 ... they got the address wrong. But the credit bureaus do not care. The collection was recorded. It’ ... . The other thing that drags my score down is my credit card debt. I have a high balance on one card [more...]

Date: 2008-12-11 15:48:31

How to Rebuild Your Credit

Is your credit score low? Are you drowning in debt? Follow these steps to get on the path to rebuilding your credit. 1 ... your credit score even lower. Get every past due account below the maximum limit. 2. Examine ... negatively impacted your credit or been referred for collection. This will help stop any new judgments [more...]

Date: 2009-01-14 08:44:13

Low Mortgage Rates Not Available to Everyone

The lowest 30 Year fixed mortgage rates in 37 years is great news for those looking to buy a house or to re-finance. However, that truth ( ... with lower credit ratings, are not at the lowest rates they have ever reached. And getting mortgage ... to confirm). The site does not present the credit score but my guess is these rates are based [more...]

Date: 2009-01-01 18:10:35

GM-Chrysler Merger Rumor Roundup: Deal To Be Done By Halloween, Mandatory Two Month Furlough For Chrysler Engineers? [Over The Back Fence]

The WSJ reports today (via Automotive News) Cerberus and GM are moving full-steam-ahead in their efforts to get a GM-Chrysler deal done by the end of October. Today also brings news Renault may have their hand in the cookie jar too, negotiating for one or more parts of Chrysler and leading to speculation the Auburn Hills, [more...]

Date: 2008-10-17 13:20:00

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... of Autonation, have indicated that auto sales could improve by 25% from current levels if credit ... the credit crunch hit. It is arguably the latter that forced the auto maker to go begging to Congress [more...]

Date: 2008-12-30 09:57:00

The SAT changes the rules again...

and again, colleges balk.This March, high school juniors taking the SAT will have the option of choosing which scores to send to colleges while ... is called Score Choice, and the College Board hopes it will reduce student stress around the SAT ... selective colleges have already said that they will not go along with Score Choice, and the policy [more...]

Date: 2009-01-04 13:21:00

Will I Qualify for the Loan to Buy Real Estate During The Market Meltdown?

With a lot of people running around like Chicken Little screaming about the sky falling, a lot of folks who would like to buy property due to the much-lowered prices are wondering if there is any way they can qualify for the loan. There are lots of people out there over-exaggerating the difficulty of getting a loan [more...]

Date: 2008-10-27 13:43:00

Joe Sixpack and the Subprime Crisis

The Subprime Crisis is a broken promise to Joe “Sixpack”. One Day in early 2006, Joe was feeling pretty darned good about himself. He was making $65,000 a year at a job he held for over 6 years. He had $30,000 saved up in the bank. He had no credit card debt. He owned his car free and clear. He looked at his pregnant wife [more...]

Date: 2008-10-11 20:31:04

Marley and Me: What Was I THINKING???

Like I'd mentioned earlier, there is a base theater here which shows almost-first-run films.  They show other stuff too (I saw "Goodfellas" the other day, "Scarface" is running at 2am Saturday morning).  As for the first-runs, they're currently showing "The Wrestler", "The Day the Earth Stood Still", "Nights at Rodanthe", "Miracle at St [more...]

Date: 2009-01-16 10:34:00

How Do I Go About Getting Money for Plastic Surgery?

How Do I Go About Getting Money for Plastic Surgery? by Leonard DawsonFinancing plastic surgery is not like financing a car or a home. A loan to pay for plastic surgery is an unsecured debt, meaning there’s not collateral for the bank to repossess in the event of a default. Banks, as you may have guessed, are very careful about who they loan plastic surgery money to. [more...]

Date: 2009-09-25 13:17:26

5 Credit Card Practices To Adopt In 2009

2009 is going to be a great year! Some people are for New Year’s Resolutions, some people are against them ... because it will affect your actions in the future. If your credit score is 700 or below just keep ... your credit score. In the long run, having a higher credit score will help you the next time you need [more...]

Date: 2008-12-31 17:00:14

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