What to do now there’s no jobs

Submit this story to: TwitterDiggGoogle BookmarkStumbleUponDel.icio.usTechnoratiHuggReddit Marese: don’t be a sheep! I volunteered to work on a farm because there was no chance of a job in my part of America after I graduated.  In the 1950s, 20-somethings went on a European tour. In the  1960s we dropped out.  In the 1970s we protested, and in the 1980s we got a job. The 1980s then stayed with us right up until the credit crunch. [more...]

Date: 2009-09-30 10:28:02

Blog posts (146) | Videos (29)
 

Still no plan for fixing billing system for youth in L.A. County detention

Earlier this year, Los Angeles County probation officials vowed to fix their system for billing parents of youth in county detention after county supervisors questioned why the department had mistakenly billed low-income and foster parents. Supervisors gave a group of probation and other county officials three months to propose changes, but six months later the group has yet to present a proposal. Probation officials declared a moratorium on new probation billing Feb. [more...]

Date: 2009-09-29 22:43:35

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

A Ph.D. In Loss

A report from Oregon Public Radio. “In the last several years high-end resort communities have sprung up across the West. But those destination resorts are suffering big time under the housing slump and credit crunch ... Boomers were looking for vacation homes. Getting credit was easy and there was a huge rush in real [more...]

Date: 2008-11-18 21:21:40

Toward a National Journalism Foundation

Amid so much talk of federal bailouts for the banking and auto industries, what would a national bailout plan for journalism look like? ... of a major print daily with a terrible website, is that of kamikaze pilot. But why the stuttering ... television sets. The 1949 Wireless Telegraphy Act established an annual license - that is, a "TV [more...]

Date: 2008-11-17 22:13:05

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... . The truth is, these companies cant deliver an improved credit report for you using the tactics they promote. Its illegal: No one can remove accurate negative information from your credit report. So [more...]

Date: 2009-01-16 06:23:45

Recognizing a Credit Repair Scam

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... . The truth is, these companies cant deliver an improved credit report for you using the tactics they promote. Its illegal: No one can remove accurate negative information from your credit report. So [more...]

Date: 2009-01-16 06:24:58

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

David Cameron's speech to the CBI

David Cameron has set out the Conservative approach to dealing with the recession in a speech to this morning's CBI conference ... of a fiscal stimulus in the Pre Budget Report – had decided not to. We have consistently argued ... rates, monetary action must mean radical new measures to actually get credit flowing through [more...]

Date: 2008-11-24 11:58:39

Bill collectors

Recently I broke my ankle got laid off and found a new job after about 4 months of no work ... me well do you have a credit card. I was like if I had a creditcard don’t you think I would use that! She says no because people don’t use there credit cards. If they are not careful I will report them [more...]

Date: 2009-01-16 21:49:02

FAIRWAY DIVORCE FRANCHISE: January is Divorce Month!

According to a story on Top New Franchises, Fairway Divorce Solutions has opened a new franchise… Just in time for the bust ... a common sense step-by-step proven approach called The Fairway Process™.” The Canadian company ... more here: New Divorce Franchise Opportunity WHAT DO YOU THINK? SHARE A COMMENT BELOW. Graphic credit [more...]

Date: 2009-01-15 18:52:11

Repaying Your Student Loans

This entry is part 2 of 2 in the series Student LoansStrategies For Paying Back Student Loans “60 percent of 2007 college graduates had student debt, each taking on an average of $22,700 in loans.” —College Board Report “Default rates in 2006, jumped to 5.2 percent from 4.6 percent in 2005″ — U.S. Department of Education. “A new report [more...]

Date: 2008-11-18 17:43:48

Criminal Charges: Volume XVII

About the author: This guest article is presented by Jeremy M. Simon, who writes for Taking Charge ... is nearly here, and credit card misdeeds show no sign of letting up, meaning yet another well-stuffed ... and an athletic duo who swiped credit cards and distributed pot. Malaysian credit card thief could take [more...]

Date: 2008-11-24 12:30:59

Review Of E*Trade Bank High Interest Savings and Checking Accounts

When most people think of ETrade, the popular online discount brokerage firm with the cutesy talking baby commercials probably comes to mind ... s also one of the best online bank options in terms of interest rate and website features ... , and mutual funds via its highly sophisticated electronic trading website, ETrade customers can also [more...]

Date: 2008-12-27 08:39:38

Banking Industry Sinking Faster Than Government Can Bail?

A useful piece at the Wall Street Journal discusses the poor prospects for the US banking industry, ... pound gorilla provider of mortgage credit offers far fewer fee opportunities to banks (and that's even ... and Treasury. The article makes much of recent and almost-certain-to-get-worse bank credit losses [more...]

Date: 2008-12-30 06:21:47

Weekly Economic Potpourri December 7, 2008

Every week there are a numerous headlines that are worthy of mentioning but I simply run out of time. Here are a few headline news reports of interest from the past week.Bank of England mulls "nuclear option" of cash injectionIn what would be a major departure for British monetary policy, [more...]

Date: 2008-12-07 08:57:00

Second Trust Deeds and Loan Subordination

When you have more than one loan on your property, there are some issues you should be aware of. Keep in mind the fact that some states still use the mortgage system, requiring court action to foreclose, as opposed to Deed of Trust, which does not. For practical purposes they are similar, [more...]

Date: 2008-12-13 17:12:59

Banks Supposedly Will Cut Consumer Credit Card Lines by $931 Billion if Reforms Mandated

There is a rather amusing story at the Financial Times tonight, "Credit card reforms ‘to cost banks billions’". Let's look at the particulars ... that banks will lose $10 billion in interest annually, reduce credit lines by $931 billion, and put ... not get anyone well known for banking expertise to put its name on a self-serving report [more...]

Date: 2008-12-15 01:59:42

Finding Out Your Credit Report And Credit Score

I was watching that web cast of Suze Orman just yesterday and boy did that open up some interesting moments such as that restaurant owner that is ... that web cast made me realize that a lot of people actually don’t know how to obtain their credit ... about what a report can show, I posted my own online credit report way back that you can see at my [more...]

Date: 2009-01-16 08:02:39

I think I have been the victim of identity theft. What can I do?

The following post in our Reader Question series is an actual user submitted question ... in any way. Q: I got my social on January of last year and I’ve been trying to make credit applying for credit cards and they send letters saying that I already have bad credit, and criminal accounts [more...]

Date: 2009-01-17 00:33:48

More About Bad Credit Repair

It may not be possible to provide you with everything you wanted to know about credit repair in this brief article, ... that they have a credit report repair Software and also they will teach you credit repair secrets, for a fee of course. There is a lot of free information here, if you know where to look. Before you take a credit [more...]

Date: 2009-01-10 18:23:12

Victoria Strauss -- Why You Shouldn't Write for Essay Mills

I get a fair number of questions from writers wondering whether essay mills are legitimate freelance markets. My response: Caveat writer. Big time ... online--EssayWriters.net, Eduwriters.com, BigPapers.com, Buyaresearchpaper.com, 4termpapers.com ... mills advertise for writers online or in venues like Craigslist, promising easy work and good pay [more...]

Date: 2008-12-11 17:15:00

It Is Illegal Under RESPA to Require Even Prequalification With a Particular Lender

RESPA no person shall give and no person shall accept any fee, kickback, or thing of value pursuant to any agreement or understanding, oral or otherwise, that business incident to or a part of a real estate settlement service involving a federally related mortgage loan shall be referred to any person [more...]

Date: 2008-12-16 14:43:35

Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... t be from the following 8 States: Idaho, Indiana, Iowa, Maine, Nebraska, North Carolina, North Dakota ... in the past 12 months, * no more than 10 inquiries on your credit report in the last 6 months [more...]

Date: 2008-12-14 14:30:58

The Economic Downturn and Student Loans: Some Practical Advice for Borrowers

Today's post is from Alan Michael Collinge, author of The Student Loan Scam: The Most Oppressive Debt in U.S ... to shareholders in their 2003 annual report that their record earnings that year were attributable to collections on defaulted loans. So, no bankruptcy protection for the borrower means free money [more...]

Date: 2009-01-11 01:14:50

Economic Potpourri December 14, 2008

The barrage of noteworthy economic news continues unabated. Here are a few headline news reports of interest from the past couple days.Treasury Benefits From ‘Massive Paranoia’ as Bailout Cost Falls While the total amount of U.S. government debt outstanding rose to $10.7 trillion in November from $9 [more...]

Date: 2008-12-15 02:30:00

Getting Mortage - Some Tips

Getting a mortgage is never easy, but first-time buyers have it roughest of all.  They don’t have cash from selling a previous residence to help them come up with the down payment or other mortgage closing costs.  In fact, first-time buyers often find that it’s the down payment, that is the biggest obstacle to getting a mortgage [more...]

Date: 2009-01-14 14:52:33

Orchard Bank Card

by Daniel Moskel The Orchard Bank MasterCard is created for individuals with a damaged credit report. This card is issued by HSBC Bank ... on your credit report ages four years it has much less impact on your score. We do still suggest ... . This card has a unique application process. When you apply they will match your credit score [more...]

Date: 2009-01-16 07:42:43

Stopping Foreclosure Through Lender Mediation

by Tomasheus Privetsky You’ve had more than your share of difficulties in the last few months ... A Workout Of Your Loan If you have missed a few payments, your credit score will drop dramatically; once this data is on your credit report, it will be difficult if not impossible to get a new loan [more...]

Date: 2008-12-19 22:27:21

Take A Peek At My Lending Tree Home Refinance Offers

Here’s a sneak peek at some that were offered to me when I signed up on their website ... on your credit report, obtaining your score only. This shouldn’t lower your credit score, so don’t worry ... with no points. I have a high 700’s credit score so I feel confident I’ll get a better offer than any [more...]

Date: 2009-01-16 06:48:36

at the Apple Macworld keynote… Update: Apple marketing exec Phil Schiller just announced at Macworld that starting immediately, 8 million songs on iTunes will be available without copy-protection, and that “By the end of this quarter, all 10 million songs will be DRM free.” Apple will, as rumored, offer new prices, 69 cents [more...]

Date: 2009-01-06 17:02:36

Fed Intervention: Managing Moral Hazard in Financial Crises

"Moral hazard has its costs, but it also has its benefits": Fed Intervention: Managing Moral Hazard in Financial Crises, by Harvey Rosenblum, Danielle DiMartino, Jessica J. Renier and Richard Alm, Economic Letter, FRB Dallas: Editor’s note: Federal agencies and regulators have taken decisive steps to combat the financial crisis that began in [more...]

Date: 2008-11-26 20:51:00

Banks Say Plan to Guarantee Their Debt is Flawed, Ask For a Better Deal

In the wake of the Treasury Department foisting equity infusions onto nine banks, not all of which wanted or needed them, the industry has decided to get in front of these initiatives. The latest bright idea. of guarantees of bank debt, gets a thumbs down from the intended beneficiaries [more...]

Date: 2008-11-13 21:25:38

A LIEN MARKET

By Ray Paulick When in-foal mares sell for less than the stud fees their breeders have invested in them, ... his business and for the stallion farm that sold him the breeding right. Those three interests ... . However, one stallion farm representative told the Paulick Report the farm has filed more liens [more...]

Date: 2009-01-16 10:49:07

It’s That Time Again: Check Your Annual Credit Report

If you are new to No Debt Plan this may be a new feature for you. Every three months I post up a quick reminder to check your annual credit report ... not be named is the government mandated Annual Credit Report website. Through this site you can access ... the life of the loan. How to Check Your Annual Credit Report For starters I refuse to link [more...]

Date: 2009-01-14 13:00:17

$37 Billion Each Year is Lost..

...to banking fees associated Non Sufficient Fund and Over Draft Protection (NSF/ODP) fees. That is a staggering figure, $37,000,000,000. That is approximately $368/year for each household with a checking account. Most folks with a checking account do a good job of keeping it balanced. A recent study by the FDIC finding [more...]

Date: 2009-01-12 23:16:00

Debt Reduction and Debt Elimination Programs: What’s the Catch?

One of the most frequent issues that readers contact me about is more information about a debt reduction or debt elimination program that they heard ... out a lot of factors. For one, some of the programs wreak havoc on your credit report and credit score ... a final negative note on your credit report indicating that your debt was negotiated, which [more...]

Date: 2009-01-08 20:00:36

GOPUSA ILLINOIS Daily Clips - December 7, 2008

GOPUSA ILLINOIS Daily Clips for December 7, 2008 includes news and commentaries on the following topics: Republican Party candidates, elected officials, party leaders, and events Republican Party platform issues including promoting a strong national defense, respect for the rule of law, individual responsibilitiy, traditional values, etc [more...]

Date: 2008-12-07 15:11:53

2008 Victoria University Post Election Conference

I’m attending the traditional post-election conference organised by Victoria University today ... call to approach PM to suggest debates should be head to head. Amused that media report it was PM’ ... in response to the credit crisis Last few days very focused on the reasons for change Key moments [more...]

Date: 2008-12-11 20:45:09

Cameron advocates taxpayer-underwriting of commercial lending to business

Last week in my analysis of the positioning of the parties in the economic crisis I suggested that the Tories were strongest on most issues but that ... is not unique. Talk to virtually any business owner right now and they all say the same: We can’t get credit [more...]

Date: 2008-11-28 11:13:16

Recognizing a Credit Repair Scam

by David Wada Companies target consumers with poor credit histories all the time, making promises to fix their credit report so they can get their dream car, a bigger home, health ... is, these companies cannot deliver an improved credit report using the ‘unique’ tactics they promote [more...]

Date: 2009-01-16 04:06:09

Review of Lexington Law Firm

by John Cooper Lexington Law is a credit repair firm that is headquartered out of Salt Lake, Utah. There are over 400 employees and 22 credit attorneys. Their business started in 1991 and they have served 1/2 million people. They will dispute questionable items on your credit. Is this legal [more...]

Date: 2009-01-15 00:09:02

Orchard Bank Credit Card

by Daniel Moskel The Orchard Bank credit card is issued by HSBC Bank. This is a sub prime credit card. They have a unique application process ... payment history on your credit report. This is an important factor when your score is being ... a negative item on your credit report ages four years it has much less impact on your score. We do still [more...]

Date: 2009-01-16 07:34:19

DrumBeat: November 21, 2008

Five-year U.S. crude oil futures at record $30 premium LONDON (Reuters) - U.S. crude oil futures for delivery in January 2014 are trading at a record $30 premium to current contracts, as investors bet that the long-term trend toward higher prices will remain intact despite oil's slump to $50 a barrel. U.S [more...]

Date: 2008-11-21 13:37:10

Can you give $5? or $10? $25 ? $ 50 ? or even more?? Help Rescue this pup’s friends!

As you know…I love pets and have been posting all the GretaWire pet pics sent to me this Christmas ( ... ? or more if you can? it is easy …you just click on this.…and then use a credit card….I know many of you have done ... is the latest report from the charity that many of you have so generously contributed to before… [more...]

Date: 2008-12-24 15:37:50

Save Now By Watching Later: Free TV for Baby Boomers

Although this post talks about watching television, it is really about saving money for retirement ... access fees?)  All you need is a broadband internet connection. Some examples of free online TV ... to save that money for retirement. Instead, I have started watching TV shows online using my PC.  It’ [more...]

Date: 2009-01-15 01:00:47

Gates of Vienna News Feed 1/15/2009

Forget global warming. Hello, global cooling! If the experts are right, we’re in for a new Ice Age.But it’s still the fault of George W. Bush, of course.Thanks to C. Cantoni, Fausta, Insubria, JD, KGS, Tuan Jim, VH, and all the other tipsters who sent these in. Headlines and articles are below the fold [more...]

Date: 2009-01-16 04:37:00

Gates of Vienna News Feed 11/11/2008

Notice all the news stories tonight about the flood of immigrants crossing the Mediterranean to land on Lampedusa or in Spain. It’s like launching a Mariel boatlift every day.Thanks to Abu Elvis, Amil Imani, C. Cantoni, Diana West, DS, Insubria, JD, Nilk, TB, Zenster, ZZMike, and all the other tipsters who sent these in [more...]

Date: 2008-11-12 04:56:00

The Top Franchise Trends For 2009

Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan.  More tips ... business produces goods and services worth over $880 billion yearly (Figures above obtained [more...]

Date: 2009-01-09 07:30:34

Protect Yourself from Identity Theft

Identity theft is on the rise and people must be vigilant not only protecting their personal information, but monitoring their credit to ensure that they do not fall victim.  employeescreenIQ’s Rob ... that individuals can protect themselves. Don’t Let Someone Take Credit For (From) You!- By Rob [more...]

Date: 2009-01-16 14:44:54

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