A-Z real estate vocabulary for home buyers and sellers

Nothing is more fundamental to buying or selling your home than understanding the language that realtors, lenders and others in the industry use ... , origination fee, hazard and mortgage insurance, credit report and appraisal fee. Debt-to-Income ... inspection. Annual Percentage Rate (APR) - The cost of credit expressed as a yearly rate. Bridge Loan [more...]

Date: 2008-12-02 21:05:42

Blog posts (146) | Videos (29)
 

Headline News - September 29, 2009

U.S. Bank Introduces Downloadable Mobile Banking Application Bling Nation - La Junta, Colo. Embraces Mobile Payments The Red Tape Chronicles - MSNBC.com: Consumer groups blast banks' card 'tricks' CashEdge Signs First Round of Banks for Popmoney™ New Javelin Report: Multi-Channel Authentication Via Mobile Banking US News and World Report: Credit Card Fees: 5 Things You Should Know Alaska Option Joins Acculynk Internet PIN Debit Pilot Transaction Wireless Signs AMC [more...]

Date: 2009-09-29 11:31:08

FTC Crackdown on 36 Credit "Repair" Companies

sweep.jpg Ever wonder if those TV ads claiming to help you repair your credit are legit? ... information from consumers' credit reports, even if that information is accurate and timely. The FTC ... they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain [more...]

Date: 2008-10-28 11:15:52

Do-it-yourself Credit Repair

There are many consumers which are being lured by companies which promise them to clean their unappealing credit history ... a fraud by creating a new credit identity and report or any illegal undertaking. Customers should ... by the federal law. credit report In order to avoid scams, people should not pay a service fee as long [more...]

Date: 2008-08-23 04:47:53

Get a new house with bkr loans, 474007 euro in one day

Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. And of course, each loan and each borrower are different ... in processing the loan, to appraisal and credit-report fees, among others. It is a transfer ... , compare the fees at each mortgage company you’re considering. So how do you find a lender [more...]

Date: 2009-01-15 21:15:03

Ripples from Chase. Banks in the news, and not in a good way

Here is a job listing just in time for all those great folks at Chase Chase’s exit from wholesale left brokers searching the rate sheets in their ... up-front fees for application, credit report and appraisal with the thinking being “once a customer writes a check, even for a nominal amount, they are motivated to stay put”. And successful [more...]

Date: 2009-01-15 14:34:13

Save Thousands By Negotiating Your Loan Rate With Your Mortgage Lender

My wife and I have recently applied and been pre-approved for our first mortgage.  We are moving to a new state this winter ... , application fee, and credit report costs, but these costs are separately listed in most closing cost ... and actually flourished during the current credit crisis and subprime mortgage mess.  We were offered [more...]

Date: 2008-11-20 13:45:27

Selling Problems On Ebay And Their Solutions

eBay provides internet users with an online flea market where buyers and sellers from around the world meet to conduct trade ... , they will receive a Final Value Fee credit and a relist credit. Filing an Unpaid Item dispute is the first step toward eBay reimbursing those fees. One can report an unpaid item up to 45 days after [more...]

Date: 2009-01-08 20:10:41

Compare Credit Cards for Best Deals

Now is not the time to be spending unnecessary money; ... and what that means not only to our cash flow but our credit report. Further, the fees that we wind up paying ... possible for us to shave money off of payments including lowering the interest rate on our mortgage through [more...]

Date: 2009-01-09 04:07:57

Payday Loan Ballot Language Approved… But Law Is Already Killing Off Ohio Jobs in Steubenville

From WTOV: Despite a push to repeal a statewide crackdown on payday lenders in Ohio, some local companies are still closing ... worse economic decisions- such as bouncing checks, paying late fees on credit cards, or taking a black ... been media reports of an increase in fraudulent short-term loans being conducted through the mail, where [more...]

Date: 2008-07-15 12:28:03

Get a new home with bkr loan, 201029 euro in less than a week

And of course, each loan and each borrower are different ... , to appraisal and credit-report fees, among others. Brokers work with many mortgage bankers and, as a result ... . A mortgage is the pledging of a property to a lender as a security for a mortgage loan [more...]

Date: 2009-01-11 18:32:15

Tips on Declaring Bankruptcy

If you know you’re going to declare bankruptcy, there’s probably not much I can say to make you change your mind but there are a few things I can ... to have a ding on your credit report for years to come.  What does this mean?  Kiss the good interest rates goodbye and kiss the annual-fee free credit cards away as well.  You’re most likely going [more...]

Date: 2008-11-29 20:11:42

Beware of Credit Repair Firms: But Don’t throw the baby out with the bathwater

Most of the credit repair, TILA audit, Loan mod etc firms are incompetent, perhaps dishonest, and definitely misleading. BUT SOME ARE ON THE LEVEL ... a fee in advance of performing services to amend credit reports.  According to the FTC’s press release ... . CHECK IT OUT. GET REFERENCES — REAL REFERENCES. FTC Sues “Credit Repair” Firms for Misleading [more...]

Date: 2008-11-16 15:26:24

Headline News - October 24, 2008

New Mercator Advisory Group Report: Re-examining Debit Rewards at the Top Fifty Banks Prepaid Card Holdings, ... pose special concerns CreditCards.com: Weekly Credit Card Rate Report The PayPal Blog: New Button ... , No Card Issuance Fee and No Activation Fees Canadian Payments Association: CPA Board Decides [more...]

Date: 2008-10-24 11:43:58

extra in terms of extra fee than what you would have saved ... in your credit report even then you can easily approach for these cards. Online you can easily ... to make maximum out of it. When you start shopping with your credit card you get cash back facility [more...]

Date: 2009-01-11 17:42:34

Repairing Your Credit Is Possible

Know your rights and be eligible for any type of loan ... from them in a polite way. That’s all there is to it. Get Your Credit Report You have the right to ask for one report per year, free. And even though the bureau may charge you a fee, it is never [more...]

Date: 2008-12-11 17:59:54

Goodwill Adjustment Letters

If you’ve ever gotten an insufficient funds fee or a over-the-limit penalty fee or a late payment penalty fee, ... like you to consider removing the negative payments from my credit report. I have been a very happy ... ), you can employ this strategy in a vareity of places… including your credit history [more...]

Date: 2008-11-12 12:52:21

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... report and affect your credit history.4. Contribute the maximum to a retirement savings plan ... , come with fees and interest rate charges that are usually higher than your credit card purchases [more...]

Date: 2009-01-09 05:34:00

Working on Building Credit in Your Name

Being married carries many responsibilities as a couple. One of these responsibilities is applying for loans and credit as a couple ... is to get your free annual credit report. Work with your lawyer to have all joint accounts closed. Transfer ... with high annual fees and interest rates. Find out more from Credit-land.Com. Take your time. Avoid [more...]

Date: 2008-11-28 09:34:19

Tribute MasterCard Review

by Daniel Moskel The Tribute MasterCard is often used to help rebuild a low credit score. It is an unsecured bad credit card ... to how much credit you have that is not being used. There will be an annual fee; however every sub ... your application. To get the most benefit on your credit report from your card you should try [more...]

Date: 2009-01-16 08:00:12

The Ethical Inquisition of Tony Hall

The City and County of San Francisco Ethics Commission held a meeting on Monday evening on the fourth floor of City Hall ... the i's and crossing the t's on a campaign expense report detailing gas fees, and another $1,000 fine for using the wrong credit card when buying Hall's wife and daughter a pair of purses in Nevada.To call [more...]

Date: 2009-01-14 21:07:00

How to Avoid Becoming a Victim of Identity Theft: Interview with Jeremy Duffy

If the CEO of LifeLock can't prevent his ID from being stolen, who of us can avoid becoming a victim? ... or annual fees. Luckily, most of what companies like LifeLock and Free Credit Report do can be done [more...]

Date: 2008-06-09 00:57:07

When it comes to Credit Repair, it’s Buyer Beware

by Jon Ochs I know from talking with hundreds of clients every day, ... reports. If you are only paying $39 - $79 for a monthly service fee, the credit repair company is only ... that when it comes to making a decision about which credit repair company to go with, most base [more...]

Date: 2008-07-30 17:04:14

HSBC are thugs (sorry "partners")

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... on the web. Bally managed to report not only overdue fees (for which the customer had falsely been induced to agree) as receivables – but they included penalties as per credit cards. Obviously [more...]

Date: 2009-01-16 14:18:26

[IMG London Stock exchange traders,]

London Stock exchange traders, Stock market report: Friday close 17 ... CPI and RPI? ALL NEWS DEBATES A full list of latest money news posts. What credit crunch? 'My £5,000 credit card cheques' School fees 'Should we remortgage to cover the cost?' » « click to reveal [more...]

Date: 2009-01-16 22:04:14

Expensify: A new take on expense reporting

Business travel seems to be one enormous headache, with the long security lines, the new fees for luggage, ... travel is what happens after your return to the office: the dreaded expense report ... your credit card information. They send you a brand new Visa debit card, which you then use [more...]

Date: 2008-09-24 11:30:59

Headline News - October 20, 2008

New Aite Group Report: Emerging Compliance Issues in the Money Transfer Market Fundtech's ACHplus(TM) ... at Mobile Money Ventures Experian Acquires 40% Stake in Singapore's Veteran Credit & Business ... in France in August Ottawa Business Journal: 'Simultaneous' rise in credit card fees galls merchants [more...]

Date: 2008-10-19 17:13:23

BEWARE OF “FORECLOSURE RESCUE” SCAMS

BEWARE OF “FORECLOSURE RESCUE” SCAMS January 16, 2009 By: credit ... the Times reports. The Federal Trade Commission has already sued five companies representing 20,000 ... . What can consumers do? Be wary of companies that charge upfront fees and promise results, an FTC official tells [more...]

Date: 2009-01-16 15:38:28

What is PCI DSS Credit Card Compliance?

PCI DSS stands for Payment Card Industry Data Security Standard ... and just pay a fee per report. Some SSL certificate companies can scan your domain for free ... . This standard was developed back in 2004 by the main credit card companies like Visa and Master [more...]

Date: 2009-01-15 01:00:23

Important Advice - Review Of Best Handbag Wholesale

Profile - Base Location: Unknown // USA - Registration Fee: None - Minimum Order: None - Payment Options: Credit Cards - Shipping Options: UPS ( ... company information (like the specific base location), but I haven’t found any scam reports [more...]

Date: 2009-01-15 16:05:36

Bretton Woods Inc - Bounced check/overdraft fees paid by state

Because you write about state-specific issues, thought you may like to see a new report that details the amount of bank and credit union NSF/ODP ... ;STORY=/www/story/01-12-2009/0004953295&EDATE= Banks and Credit Unions Collect ... by banks and credit unions in 2008. The research by bank strategist G. Michael Flores reveals the amount [more...]

Date: 2009-01-08 15:02:23

Reading the Redemptions Rebound

Geoffrey Rogow and Kejal Vyas report: The redemptions rebound may not create a new market rally, ... of redemptions. With the stock market in free fall thanks to a global economic and credit crisis, and banks ... stable corporate holdings and the lowest fee structures. “We’ve seen some meaningful flows [more...]

Date: 2008-12-11 09:08:00

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

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

Alternative Billing Alternatives (ILTA09)

Thinking creatively about alternative billing structures is something increasing numbers of lawyers and law firms are grappling with. To help with this, Thomas Gaines, Jeffrey Brandt, Jeffrey Rovner and Eugene Stein gave a terrific presentation at ILTA09 regarding how technology might assist with alternative billing arrangements.  They started by exploding some common alternative billing myths, chief among which is that it is safe to defer consideration of new cost and billing structures by using [more...]

Date: 2009-09-30 13:46:03

PERSS ENCOUNTER WITH PM HIGHLIGHTS, DIRE NEED FOR NEW VISION FOR ETHIOPIA - By Genet Mersha

In the wake of his ‘involuntary anointment’ as chief executive of the state and the ruling party, Prime Minister Meles Zenawi has once again shifted to a high gear with a new five-year term securely under his belt. Although his decision was not unexpected, the 360 degrees shift of from the spring, winter, summer and beyond of his oft-expressed decision to quit his job as prime minister has not gone unnoticed. Owing to that, the prime minister has encumbered himself with expectations. [more...]

Date: 2009-10-01 14:45:04

FreeCreditReport.com Review: Not a Free Credit Report

Have you heard of those commercials on TV that talk about “free” credit reports? These services, such as FreeCreditReport.com are *not* truly free. They offer free trials for a limited time (usually 7 days) but they’re actually paid subscription services after the intro period is over. They’re in the business of credit monitoring and tracking your credit standing. Image by Andre Rolim/Getty Images These services exist to help us keep an eye on our credit reports. [more...]

Date: 2009-09-29 04:01:28

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

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

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

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

Know the Basics of Buying a Home

When it feels about time to stop renting and time to purchase a home there are a few basic things that you should understand. Here are the steps you will need to take in order to make purchasing a home more than just a dream. First, get a copy of your credit report and clean up your credit record as much as possible. This will help you when it is time to get a loan from the bank. Second, go to your bank. Talk to a loan officer and tell them you want to buy a house. [more...]

Date: 2009-09-29 19:52:42

The Reality of Prepaid Credit Cards

by Pedro Turriago Prepaid credit cards are great for those who find it difficult to control their spending habits. They have a limit imposed by the cardholder that is solely determined by how much money they load onto it. If the person does not have money to load onto the card, then they wont be able to use the card. In short, by the time a prepaid card is used, the bill is already paid. Its probably the best type of credit card available for people who want to stay out of debt. [more...]

Date: 2009-09-30 11:13:28

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

Realize Your Credit Score Plus 3 In 1 Credit Report

Realize Your Credit Score Plus 3 In 1 Credit Report by Sara M Perry3-in-1 credit reports are summaries from all three of the foremost credit bureaus. They cover the financial history collected on one person or group in order to “report their credit worthiness” or in other words, whether or not it is expected that they have the resources and trustworthiness to pay off a new obligation.These reports supply information from the three foremost credit reporting agencies. [more...]

Date: 2009-10-01 11:31:33

Australian Banking Majors Rank At The Bottom Of Customer Satisfaction Survey

Customers of the Big Four banking groups have expressed the lowest customer satisfaction levels in Australia, with most account holders being too ambivalent to switch to a different service provider, the results of a new survey reveal. After taking into consideration fees, interest rates and customer service amongst other things, the Big Four banking groups, which include Westpac, CBA, ANZ and NAB ranked at the bottom of a list containing 14 different lenders. [more...]

Date: 2009-10-01 11:01:36

Australian Banking Majors Rank At The Bottom Of Customer Satisfaction Survey

Customers of the Big Four banking groups have expressed the lowest customer satisfaction levels in Australia, with most account holders being too ambivalent to switch to a different service provider, the results of a new survey reveal. After taking into consideration fees, interest rates and customer service amongst other things, the Big Four banking groups, which include Westpac, CBA, ANZ and NAB ranked at the bottom of a list containing 14 different lenders. [more...]

Date: 2009-10-01 05:30:29

$40 CPMs At Dogster; Jefferies Analyst Bullish On Yahoo! And Display; UK Internet Ad Spend Beats TV; $4 Million For Casual Games Network NeoEdge

Email This PostHere's today's AdExchanger.com news round-up... Want it by email? Sign-up here.Dogster and $40 CPMsTechCrunch looks at a new partnership announced between dog lover social network, Dogster, and viral web publishing phenomenon, I Can Haz Cheeseburger. TC's Sara Lacy says that Dogster has been wise to build relationships directly with advertisers as opposed to going the ad network noting that Dogster can charge $10-$12 CPMs and $40 CPMs for its newsletter. [more...]

Date: 2009-09-30 10:24:58

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Free Identity Theft Monitoring for AAA Members

If you’re an AAA member in California, Hawaii, New Mexico or Texas, you’re suddenly eligible for a free credit monitoring service, provided by Experian. While I was looking through the fine print (a free service for you provided by ConsumerismCommentary.com), I found this, which gave me pause: You are receiving a complimentary credit monitoring membership. Your membership is effective for the period disclosed to you when you received your activation code. [more...]

Date: 2009-09-29 11:56:15

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