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What’s the Carbon Footprint of my Checking Account?

Crossposted from the Understory RAN released a new report today, “Financing Global Warming: Canadian Banks and Fossil Fuels“, ... , we also launched a new website, climatefriendlybanking.org. The report results are striking ... s largest credit union), would reduce your annual carbon footprint by 1.4 tonnes of CO2, a very meaningful [more...]

Date: 2008-11-20 22:15:55

Blog posts (134) | Videos (47)

Kentucky Needs A New God For Homeland Security

This is in today's Johnson City Press: Kentucky Law Requires Homeland Security to Credit God LEXINGTON, Ky ... , who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear’s administration didn’t credit God in its 2008 Homeland Security report issued last month. “We certainly expect [more...]

Date: 2008-11-30 00:23:51

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) ... ) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 ... report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair [more...]

Date: 2008-11-04 19:30:27

Headline News - January 7, 2009

Hypercom Appoints Stuart Taylor Vice President, Global Marketing New Mercator Advisory Group Report: Small Business Credit Card 2008 Update: ... in credit card terms Economix Blog - NYTimes.com: Crisis Comparisons: How Bad Might It Get? Laru ... from Credit Cards, Could Save Consumers $500 Million Annually Over Competing Prepaid Cards Get Rich Slowly [more...]

Date: 2009-01-07 13:30:03

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... With Good Ones Time To Chck Your Annual Credit Report! Problems with Gift Receipts? Debt? What Debt? Mortgage Refinance Rates Continue to Fall The New Frugal Forum @ frugalhacks.com Free Advice [more...]

Date: 2009-01-14 16:21:15

The deregulation and free markets myth

Walter E. Williams destroys the liberal's claim that deregulation and free markets caused the financial meltdown: News media people, ... Times article, "Fannie Mae Eases Credit To Aid Mortgage Lending" (Sept. 30, 1999), reported, "Fannie ... Report (November/December 2008). The Federal Register, which lists new regulations, annually [more...]

Date: 2009-01-15 13:28:18

Gap year grannies’ dreams dashed

If you are dreaming of spending your retirement travelling, you may be in for a shock. New research from the fifth annual Scottish Widows UK Pensions Report suggests that funds will often be sorely lacking when it comes to crunch time. Scottish Widows has found the over 50s are one of the groups hardest hit by the credit crunch in terms of saving for retirement , despite pensions savings increasing overall since last year. [more...]

Date: 2009-10-01 15:32:42

UK New Car Registrations reflect world Motor Manufacturers difficult trading positions

Society of Motor Manufacturers and Traders say December market falls, but not as far as expected: New car registrations fell 21 ... to finance and credit across the economy is essential if long-term damage to valuable industrial ... s ninth annual Sustainability Report from the SMMT web [more...]

Date: 2009-01-07 11:23:15

The new president's stimulating faith in economic witchcraft

Could somebody tell me who convinced Mr. Spare Change You Can Believe In that running up the credit cards is a brilliant way to resolve our economic ... the astronomical costs of the economic bailout were taken into account, according to an annual report released ... now on digging and filling holes, organic faerie-dust-powered cars and free-range IRS [more...]

Date: 2008-12-18 21:25:33

Thursday Is New Jobless Day

479K new lucky duckies! And we're shrinking. Gross domestic product contracted at a 0.3 percent annual pace, less than forecast, a Commerce Department report showed today in Washington ... spending boom ended last quarter as the credit crunch deepened. ... Consumer spending dropped [more...]

Date: 2008-10-30 14:14:00

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

10 ways to effectively estimate and control project costs

Estimating what a project will cost is only half the battle; controlling those costs during the project and after delivery is equally critical. Note: This information is based on a previously published article and is also available as a PDF download . Building a better bottom line is just as important for an IT department as it is for the whole organization at the enterprise level. Implementing sound financial management within an IT framework is broader than simply being more efficient. [more...]

Date: 2009-09-30 07:00:53

New Czech move to block ratification of EU constitution

Flashback: Icelandic parliament rolls over, votes for EU membership | Ireland to hold second referendum on Lisbon Treaty | EU leaders reassure Irish in latest attempt to revive Lisbon treaty | Leaked 1955 Bilderberg Docs Outline Plan For Single European Currency | Iceland to be fast-tracked into the EU | Irish to vote on EU treaty again as experts warn Britain could be signed up within a year | You’re not doing it right: New Irish vote on EU integration ‘legal’ | Harper, Sarkozy [more...]

Date: 2009-09-29 20:25:00

A Mahatma rally!

"Earth provides enough to satisfy every man's need, but not every man's greed." – Mahatma Gandhi. Whether one should be greedy at this stage is a BIG question after such a stunning rally. We’ve come a long way in a year. The journey from the brink of Great Depression has been spectacular. The moot point is where do we go from here? The fact that so many people have missed the rally could ensure that the bulls maintain an upper hand. [more...]

Date: 2009-10-01 04:03:00

China might keep the weakest bank all to itself

Faced with a backlash against foreign investors, Beijing may be tempted to offer shares in the last of its big four banks to a domestic audience. That decision may reflect China's new found confidence in the wake of the credit crisis. But it also means Chinese investors will retain full responsibility for the country's weakest bank. The Agricultural Bank of China might end up just listing in Shanghai without any endorsement from foreign institutions, bankers close to the deal say. [more...]

Date: 2009-09-30 08:12:16

Germany - The Bitter-Sweet Tears Of Angela von Merkel

German voters gave Chancellor Angela Merkel the green light for a second term on Sunday, along with a clear mandate to form a new government with the liberal Free Democrat Party (FDP). But just what exactly is the new government likely to do? Merlek has been quick to pour cold water on any idea of early tax cuts, “I expect we’ll agree very quickly on tax policy, especially when you look at the leeway we have with the budget,” she is quoted as saying. [more...]

Date: 2009-09-30 22:01:26

Is Obama Fulfilling ACORN’s Agenda?

Here is a copy of ACORN’s so-called People’s Platform , via the Internet Archive’s Wayback Machine, which we first posted back on October 16, 2008 . As is noted below, this platform was updated in 1990 in Chicago, which was just two years before Mr. Obama began to work for the organization via Project Vote and as a trainer for their "power" seminars. Note how many of ACORN’s demands are being accomplished by Mr. Obama since he has assumed office. [more...]

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

Posts about Obama Health Care Failure as of October 1, 2009

Conference call: Tim Pawlenty and the Freedom First PAC - hotair.com 10/01/2009 We had an opportunity to talk with Minnesota Governor Tim Pawlenty to discuss the launch of his Freedom First PAC.  Pawlenty says that he’s worried that freedom is being corroded by a “tyranny of a creeping bureaucracy.”  Pawlenty wants to re-elevate the principles of freedom and liberty, including an effort to educate people on their value and to impact current policy.  Pawlenty plans a particular effort to [more...]

Date: 2009-10-01 12:59:05

Primary Care Is Being Crushed By A Paper Weight

Ever wonder why your physician only spends 5-10 rushed minutes with you during your office visit? You may think it’s because there are simply too many patients vying for her time, but that’s not the real reason. The root cause is that health insurance companies are stealing time from your visit by requiring excessive documentation from your doctor. She can’t give you the time you need, because doing so would put her out of business. [more...]

Date: 2009-09-30 01:23:26

Mortgage Refinance With Bad Credit Options: Reveal All The Hottest Tips Here!

by Asem Eltaher Among the top ten hot topics of 2008-2009 is the relief for homeowner’s high mortgage payments. Foreclosures at an all-time high and many are getting further behind each month creating a large market for mortgage refinance with bad credit. The Mortgage Banker’s Association states the newest information on foreclosures shows the decline is still pacing downward. The percentage of homeowners facing default can rise higher by 2011, if relief is not available. [more...]

Date: 2009-10-01 09:00:20

US Bank Easing Overdraft Penalties – Analyst Blog

US Bank, a subsidiary of Minneapolis-based U.S. Bancorp ( USB ), has recently announced easing of its overdraft penalties. The bank is modifying its service charge policies for checking accounts which will become effective in the first quarter of 2010. U.S. Bank will eliminate fees when a customer’s account is overdrawn by less than $10, regardless of the number of overdraft transactions that may have occurred. It will also limit the number of overdraft fees to three or fewer per day. [more...]

Date: 2009-09-30 22:24:57

Mortgage Refinance With Bad Credit: Reveal All The Hidden Secrets Here!

October 1, 2009 | By Asem Eltaher In Finance | by Asem EltaherAmong the top ten hot topics of 2008-2009 is the relief for homeowner’s high mortgage payments. Foreclosures at an all-time high and many are getting further behind each month creating a large market for mortgage refinance with bad credit. The newest data from the Mortgage Bankers Association reveals fewer foreclosures are being reported. Unless there are new strategies for relief the rise could be higher than now by the year 2011. [more...]

Date: 2009-10-01 09:01:06

Get a student car loan at yours suitable budget

Amazon.de Widgets Looking for a dream car is easy task but arranging funds for that can be a tough. Many people will not be able to afford the price for there dream car so for that right kind of financing option are available for them. One must concern or check his financial situation before applying any kind of loan. The borrower must be aware of the monthly payments and must be ready to meet the financial obligations every 6 or 7 years. [more...]

Date: 2009-10-01 12:28:44

Recent Tweets from the BARN

CLICK HEREto hear parts of these stories inside theBARN’s Morning Ag News with NAFB Broadcaster Brian AllmerNational Ag News for October 1, 2009Sponsored by the American Farm Bureau Federation“September Pork Loses Climb”U.S. hog producers lost around 46-dollars per hog during September. According to experts at Iowa State University, that’s the largest per animal loss in the string of monthly losses that have now gone on for two years. [more...]

Date: 2009-10-01 11:45:02

Text of Kerry-Boxer Clean Energy Jobs and American Power Act, The Senate's Cap-and-Trade Climate Legislation

A SUMMARY OF THE CLEAN ENERGY JOBS AND AMERICAN POWER ACT AS INTRODUCED September 30, 2009 SECTION 1 . SHORT TITLE ; TABLE OF CONTENTS . This Act may be cited as the “Clean Energy Jobs and American Power Act”. Sections 2. Findings. Describes the impacts of climate change and the benefits of transitioning to a clean energy economy. Section 3. Economywide Emission Reduction Goals. Establishes targets for reducing global warming pollution. Section 4. Definitions. [more...]

Date: 2009-10-01 12:11:00

Credit Repair! You May Have A Bad Credit Rating And Not Even Know It

When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mis management of our finance s, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 1% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities. [more...]

Date: 2009-09-30 14:31:03

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

IMF Report: Good News and Bad News, But Not Much New News

John Lounsbury submits: The IMF has issued its semi-annual report on the world economy this morning. There is some good news and some bad news. There is not a lot of headline news here, but the report is a good compilation of where the world is more than halfway through 2009. I start with lists of some summary items, followed by reviews of items of interesting data in the report. Good News 1. Banking systems have stepped back from the brink of disaster; 2. [more...]

Date: 2009-10-01 02:04:17

Blocking, Tackling & Running: Leveraging a Crisis Into Real Change

There's a fairly well known cartoon of two scientists working out a problem on a chalkboard covered with complex equations and down in the circle is a little circle with the key step inserted in small print - "and then a miracle occurs". Wouldn't it be nice if we could take the same short-cut to fixing the horrendous shopping list of significant [more...]

Date: 2009-01-16 20:07:11

South Asian Exodus From Dubai

Dubai police have found at least 3,000 automobiles -- sedans, SUVs, regulars -- abandoned outside Dubai International Airport in the last four months ... to a DNA report. Dubai and other GCC countries are planning deficit-spending to stimulate their economies ... concerns about the large debt load Dubai has taken on in recent years to finance its [more...]

Date: 2009-01-16 17:55:00

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

Welsh Investment letter – September 2009

~~~ V-SHAPED RECOVERY VERSUS SECULAR AND CYCLICAL HEADWINDS Growing up in Chicago, I looked forward to every baseball season, and I cheered for both the White Sox and Cubs, since neither team won that much. I never saw the point in being choosey. The GO-Go White Sox went to the World Series in 1959, before winning it 46 years later in 2005, and 88 years after winning in 1917. The Cubs haven’t won a World Series since 1908, and that 100 year streak appears safe in 2009. [more...]

Date: 2009-10-01 14:45:08

Transcript of Mayor Michael Nutter’s budget update

Date: Jan 15, 2009 Location: Philadelphia City Hall Speaker: Mayor Michael Nutter (transcript provided by Mayor’s Office of Communications) ... be leaving the city to travel to Washington to present testimony at a House Committee on President-elect Obama’s stimulus package. But first I want report on three primary issues: First, I want to give [more...]

Date: 2009-01-15 19:01:46

RIL, auto stocks slide in flat market

Key benchmark indices ended little changed after witnessing wild gyrations throughout the day. The BSE 30-share Sensex rose 7.71 points or 0.05%, off 61.06 points from the day's high, and up 75.19 points from the day's low. The BSE Sensex extended gains for third straight session while S&P CNX Nifty ended marginally lower. Market breadth was weak as small and mid-cap stocks underwent correction.IT stocks were in demand for the third straight day. However, auto stocks retreated on profit booking. [more...]

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

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

Gates of Vienna News Feed 1/5/2009

Read through the official European reactions to Israel’s ground offensive into Gaza: Zapatero, the Vatican, the Italian government — all are pressuring Israel for a ceasefire. The surprise is Dutch Prime Minister Jan Peter Balkenende, who states that it would be pointless to condemn Israel without addressing what Hamas is doing [more...]

Date: 2009-01-06 04:54:00

Gates of Vienna News Feed 1/2/2009

In tonight’s news: Israel is poised to send ground troops into Gaza.A Muslim family was removed from a plane before takeoff, and is being compensated by the airline for the error. CAIR is in high dudgeon about the incident.Thousands of shoes were dumped on a Miami expressway — is that a message for President-eject Bush? [more...]

Date: 2009-01-03 04:42:00

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

How To Get Your Free Government Credit Report

How To Get Your Free Government Credit Report by Andy ZainBy law, you are entitled to one free government credit report each year, but you have to apply to get it. The consumer reporting companies are covered by the Fair Credit Reporting Act to ensure privacy and accuracy.Contained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-30 08:17:23

Retailers to Wage Psychological Warfare

As the retail industry sifts through the rubble of its disastrous holiday shopping season, the next challenge begins: A struggle over the consumer psyche. Despite hopes for a massive economic stimulus plan under a new Obama administration in January, consumer confidence plunged to an all-time low in December [more...]

Date: 2009-01-05 11:00:58

DrumBeat: December 31, 2008

The Peak Oil Crisis: Civil Unrest Before grappling with 2009, it might be useful to remind ourselves that there is a dark side to what lies ahead ... College had released a report talking about preparing for civil unrest in the U.S. When you read the report, it turns out to be yet another warning about generals preparing for the last war. It devotes [more...]

Date: 2008-12-31 13:58:02

Senate, Once August Body - Mired in Muck!

Watch this and you will understand, perhaps, if you are objective why terrorists dig tunnels under homes,attachments:HamasCivillians.wmv (1992KB) also,India understands. So does a Cuban born Spanish author. (See 1 below.)How about this for proportionality - every IDF soldier killed is equivalent to 50 plus of ours. (See 2 and 2a below.) [more...]

Date: 2009-01-15 21:29:00

Obama’s Jobs Plan Doesn’t Seem to Add Up

“There is no there there,” is what famed writer Gertrude Stein aforesaid when she returned to her childhood home in the 1930s ... with employment. The jobs report is based on payrolls and reflects the number of paychecks issued each ... are not the same. An single through two jobs would be counted two times in the payroll report, but only [more...]

Date: 2009-01-16 13:50:34

The Garrett, Watts Report (September 30, 2009)

    To Our Clients, Colleagues and Friends, What would be better, (a) having one $40 million warehouse line with Bank of America, or (b) having $25 million with the Bank of America and $10 million with Comerica or Flagstar?  Even though (a) is for $40 million and (b) is for only $35 million, we’d probably recommend option (b).  Having two lines is almost always better than having just one, even if the one line is somewhat bigger than the two combined. [more...]

Date: 2009-09-30 18:45:19

Audit of California Avocado Commission uncovers at least $1.5 million in questionable spending

During the three-year audit period, 18 employees used commission credit cards to pay for purchases including meals, flowers, luxury spa services and clothes from high-end retailers, the report says. Something has been rotten at the state agency behind a splashy $7-million annual marketing blitz on television [more...]

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

Bank of America (BOA), Wells Fargo (WFC) End 2008 with Major Buyout Deals

Two major U.S. banking deals were completed yesterday (Thursday), enabling the suitors to finalize the deals before 2008 came to a close ... buyouts worldwide, and not lending at home, as a Money Morning investigative report demonstrated ... in merger advice in 2008, Thomson Reuters reported. The combined company’s brokerage, credit card [more...]

Date: 2009-01-02 12:36:15

State Workers Fight Over Cutbacks as States Want More From Obama

As the budget crisis deepens, state employees are fighting each other for survival. Potshots are thrown between management vs. non-management, union vs. non-union, teachers vs. everyone else. In addition, governors want $1 trillion out of a total package of $850 billion Congress is likely to send to Obama to sign. The math does not add up [more...]

Date: 2009-01-03 19:53:00

PC sales stank last quarter, but HP, Apple and a few others kept growing

No wonder there's been so much buzz about layoffs at Microsoft: PC sales just stank in the last quarter ... in the fourth quarter, according to a new report from research firm IDC. The holiday season drop pulled ... reduction in spending among both consumer and commercial segments amid tightening credit, eroding [more...]

Date: 2009-01-14 21:20:33

I Hate Equifax

I wish I could turn my pure emotion into words on the screen to fully express my hatred for Equifax. It is pure. It is flowing. I. Hate. Equifax. Why I Hate Equifax I’ve recently reminded you to check your annual credit report ... running there has been an issue that results in us not getting her annual credit report. This doesn’ [more...]

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

Pertinent Obituary, Dimon Says Worst Not Over, Oil Producers Struggle, The Next Bubble and More!

One company to summarize all of the last 10 years… now on its deathbed Credit crisis survivor predicts “worst… not yet behind us” Oil ... and now the epitome of the credit crisis: Nortel had $2.4 billion of cash in hand yesterday ... for most of 2009. In terms of our sector, we expect consumer loans and credit cards to continue [more...]

Date: 2009-01-15 19:40:53

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