Clash of the Titans
Good Evening: Now that the Fed has morphed into the world’s largest hedge fund, all eyes are turning to the capital markets to see how they will respond to the Fed’s promise to buy whatever needs buying in order to forestall the Great Depression II. Ebbs and flows in stock prices aside, [more...]
Date: 2008-12-18 04:07:26
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Free Credit Report and Scores
Free Credit Report and Scores January 14th, 2009 Subscribe To Our Feed Are you kind of person that is regularly updated about the state of your credit report? such thing has become very important nowadays, considering the current ... moves need to be taken with care, a credit report checking could save you problems in the near future [more...]
Date: 2009-01-14 14:47:36
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
Real Estate investing and bad credit reports
by Doc Schmyz Creditors and bankers approve or disapprove loans based on your credit worthiness ... . If you are trying to apply for an apartment complex the landlords may take a look at your credit score ... reasons as to why having a good credit score is very important in today’s world. However [more...]
Date: 2008-12-25 10:33:44
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
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
The Bottomless Cookie Jar
I have a big pink hippo cookie jar. I’ve been collecting hippos for years, and this is the very first one I got ... their choice for what should go into the jar next. A credit card is kind of like a bottomless cookie jar. With easy access to credit, there’s no reason to wonder when the treats will run out, and you are never [more...]
Date: 2009-01-16 10:46:01
A Primer On Lending And Borrowing With Lending Club.
Social lending is the process of enabling people to lend directly to and borrow directly from other people without using a bank ... by borrower risk, but you can mitigate that risk by choosing borrowers with higher credit scores ... than many people are currently paying on their debts. Your credit score, payment history, income level [more...]
Date: 2008-12-18 14:00:50
Registration Deadline Extended For International Business & Marketing Academy
The registration deadline for the FBISD International Business and Marketing Academy at Bush High School has been extended for current eighth-grade ... in Advanced Placement courses and, if they score 3 or higher on Advanced Placement examinations, may ... environment. Academy students will also be able to earn a minimum of 15 hours of college credit [more...]
Date: 2009-01-16 14:06:38
The New Year Creates Fresh Opportunity for Resolving to Reduce Debt
Free Rapid Debt Reducer software and online advice at RapidDebtReducer.com provide big motivation for making a commitment today GROTON, Vt., Jan ... report and score, and put that information to use ... Jolley to the millions of Americans who are struggling with overdue credit card payments, defaults [more...]
Date: 2009-01-16 10:50:23
Prepared text of Gov. Jon Corzine's State of the State speech
Happy New Year and thank you all for attending today's State of the State. Reverend Clergy; Senate President Codey; Speaker Roberts; Majority Leaders Sweeney and Watson Coleman; Minority Leaders Kean and DeCroce; Chief Justice Rabner and Justices of the Supreme Court; Members of the Legislature; Members of my Cabinet; Congressmen Pallone, Payne, [more...]
Date: 2009-01-14 01:13:00
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
Why Even Good Credit Might Get Cut
(Photo: Dan Esparza) You can afford your mortgage, you have a high credit score and you pay your bills on time every month ... and how you shop. Here are a few examples of some of the ways that good credit may get cut off ... . So why did American Express just slash your credit limit? Could be because of where you shop [more...]
Date: 2009-01-16 02:35:39
First Time Car Loaner:Useful Tips
If the financial implications worry you and you dream of owning a car, then you still have many options left ... the main reason for the fact that the interest rates on Car Loans are actually higher than on other types of loan. And even if you have a bad credit, you can still get a loan from a specialist provider [more...]
Date: 2009-01-16 09:24:48
Live-Blogging Goldman Sachs’ Fourth-Quarter Earnings
We nominate this for the securities industry’s saddest sentence: “For the period ended Nov. 30, Goldman reported a net loss of $2.12 billion…compared with net income of $3.22 billion… a year earlier.” As even bunnies hiding in the woods know by now — because the Wall Street Journal’s Sue Craig, [more...]
Date: 2008-12-16 16:26:31
Live-Blogging Goldman Sachs’ Fourth-Quarter Earnings
We nominate this for the securities industry’s saddest sentence: “For the period ended Nov. 30, Goldman reported a net loss of $2.12 billion…compared with net income of $3.22 billion… a year earlier.” As even bunnies hiding in the woods know by now — because the Wall Street Journal’s Sue Craig, [more...]
Date: 2008-12-16 19:11:00
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
200 No Faxing Payday Loans
In fact, online appliers get the benefit in terms of fast processing is done right answer ... advance on time. Once the lender does no credit can avail the fast cash advance loans, there are many people with bad credit ten dollar payday loan! And the biggest revelation is that they charge a high [more...]
Date: 2009-01-16 19:31:56
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
Negative Equity the Driving Force Behind Subprime Defaults
CreditSights believes that negative equity will be the driving factor in subprime mortgage defaults this year ... in the way of credit score from a default, it is increasingly difficult to see how ‘transaction costs’ ... costs’ - which encompass the greater difficulty of gaining credit in future, sentimental attachment [more...]
Date: 2009-01-13 15:31:28
Freshwater Day 9: An Expert Witness and Two Teachers
Previous posts on the hearings: Days 1 & 2, Day 3, Day 4, Day 5, Day 6, Day 7, and Day 8. Other relevant posts can be found by searching The Thumb on “Freshwater”. On Day 9 we had testimony from Joseph E. Faber, a biology professor and former Ohio Department of Education science consultant; William Oxenford, [more...]
Date: 2009-01-11 07:04:32
Monitor Your FICO® Credit Score
Keeping an eye on your score can be very rewarding. Monitoring your FICO® credit score can lead to big savings and more purchasing power. A higher credit score typically means lower interest rates which will reduce your monthly payments – and that could mean saving thousands of dollars over the life of a loan. I've found that Score [more...]
Date: 2009-01-16 20:45:00
Find Out Now Useful Knowledge - Car Loans
Find Out Now Useful Knowledge - Car Loans Posted on January 16, 2009 (0) Comments Show Bookmarks [ ... higher than on other type of loans. You can still get a loan from a specialist provider, even if you have a bad credit, although at a higher interest rate. Having finalized a deal, you shall [more...]
Date: 2009-01-16 12:40:10
Bad Credit Loan
Bad Credit Loans are specially designed for individuals who are facing problems with their credit history ... money lenders will charge higher interest rates for bad credit loans because of the risk inherent ... in a timely manner, thus entitling him/herself with a poor credit score. Credit score is a rating which [more...]
Date: 2009-01-16 12:47:59
3 Ways to Consolidate Your Debt With Bad Credit Online
Consolidating your credit card debt can be difficult if that debt has caused you to miss payments and accrue penalties and late fees ... will come in an increase in your credit score. There are 3 helpful hints that will help you consolidate ... and get your credit report back on track. Carrie Reeder is the owner of http://www.abcloanguide.com [more...]
Date: 2009-01-16 10:02:23
Borrowing Beyond your Limit can Result in Consumer Debt
Consumer debt has risen to worrying percentages in the past few years ... of the loan, how much the borrower is able to pay back per month, their current credit score ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many [more...]
Date: 2009-01-17 00:24:29
Trendy Mortgage Refinancing and Second Mortgage Programs: A Brief Review
The combination of rising interest rates (although still historically low) and rising home prices has caused the robust mortgage market to slow from its record pace ... existing products. If you have not shopped for a second mortgage in a while, you will find numerous [more...]
Date: 2009-01-17 00:42:43
An Interview with LendingClub’s Rob Garcia
LendingClub brings individual borrowers and lenders together to fund loans up to $25,000 ... are typically lower than those paid by borrowers on their credit cards, but higher than those received ... ’s community is made up of borrower and lender members. Borrowers are good credit folks who need [more...]
Date: 2009-01-14 11:40:39
How to Locate the Best Secured Loan Rate
Everyone wants to be able to say that they received the best secured loan rate that they could when they have to borrow money, ... . The higher the risk of the individual requesting the loan (usually determined by considering their credit score), then the higher the interest rate usually is. Of course, just because a person [more...]
Date: 2009-01-16 16:14:45
Consolidating Student Loans
With higher education costs on the rise, many people these days have several student loans ... . Having a single student loan can help your credit rating because of how your credit score is figured ... can take up to six months to report a drop of a loan off your report. But if you don’t use your credit [more...]
Date: 2009-01-16 12:54:49
you know and all these things change for
you know and all these things change for January 16th, 2009 Fix your credit, you know, and all these things change for the better ... have learned that, statistically, a higher credit score means more responsibility and less accidents ... thousands of dollars a year. Filed in General No Comments » Tags: credit score, health auto, insurance [more...]
Date: 2009-01-16 13:14:49
The Business of Bowl Games: It’s All About Money
The New York Times recently published a provocative article on the swindle…err, business of the Bowl Championship Series (BCS) ... are not allowed to use the score or site of a game in their calculations. Under the rules ... conferences gets in if it is ranked in the top 12 or ranked in the top 16 but higher than a B.C.S. [more...]
Date: 2009-01-07 19:48:14
They cancelled my credit card
I just saw this article called “My credit card was cancelled” on the money section of CNN.com ... it would affect her credit score. The answer was a new one to me… Having a credit card with history benefits your credit score I have always heard that having a long-running relationship with a credit [more...]
Date: 2009-01-01 16:05:52
Tips To Use A Loan For Your Home Improvement Project
Upgrading and renovating your home costs money, and depending on the type of home renovation project, it can cost a lot of money ... for your home improvement project, there are ways to borrow it, including a home equity loan, credit line, second mortgage, home improvement loans and short-term credit card solutions. Most people who want [more...]
Date: 2009-01-16 07:37:39
How Much Is Your Credit Score Costing You?
I hate to say it, but just change your time is no longer sufficient. There was a time when everything you do, good credit to have ensured that all your bills ... , simple decisions you can not pass on your credit card. But why? What is the average consumer, which [more...]
Date: 2009-01-17 02:31:20
Bad Credit Loan: Loans for People with Bad Credit
Bad Credit Loans can be used for many purposes. For example, if you have few unpaid debts, you can use them for debt consolidation, ... complimenting your situation. However, the difference in case of bad credit loan may be in the form of higher ... are easier to search. Interest rate on secured bad credit loans can be higher than standard interest [more...]
Date: 2009-01-16 16:47:05
Nikon's new SLR leads the pack for sensor quality
It's not a surprise that the Nikon D3X, the company's brand new 24.9-megapixel SLR, tops DxO Labs' sensor performance test ... SLRs in DxO Labs' current rankings. (Credit: DxO Labs) When the French firm unveiled its DxOMark ... cameras were close, but the D3X stands apart with a score of 88. The result shows how much ground Nikon [more...]
Date: 2009-01-15 23:34:01
No Credit Check Military Loan: Best Option For Military Men
Military servicemen have nothing to worry on availing loans. For one, there is a special loan program especially intended for them ... types of loans, lending institutions require a good to excellent credit score. In no credit check ... servicemen. But the most popular is the no credit check military loan. The best thing about the loan [more...]
Date: 2009-01-15 06:49:48
More Inactive Credit Cards Being Closed: Protect Your FICO Credit Score
If you haven’t heard already, several large credit card issuers (Chase, Washington Mutual, Citibank, Capital One, HSBC) ... . This is their legal right, but it can also negatively affect your credit score. Here’s why and some steps that you can do about it: How Can Closed Credit Cards Affect My Credit Score? FICO [more...]
Date: 2009-01-07 11:48:09
Now is a Good Time To Buy a Second Home — If You Can Get Approved
Now is a Good Time To Buy a Second Home — If You Can Get Approved By Miranda Marquit January 14th, 2009 Posted in Mortgage Trends, Credit, Economy, ... home: Higher credit score. At the low end, you will need to have a 680 for approval. For the best ... the interest rate you will pay on the mortgage of a second home is often higher than your first home [more...]
Date: 2009-01-14 20:00:43
Interview With L. Jon Wertheim, Senior Writer for Sports Illustrated and Author of Blood in the Cage
Recently, Gary Wimsett, Jr., Esq., an attorney with Flanagan & Marchewka, LLP and an agent with Balefire Representation, an athlete and artist representation agency, conducted a telephone interview with L. Jon Wertheim, senior writer for Sports Illustrated, and author of the new book, Blood in the Cage: Mixed Martial Arts, Pat Miletich, [more...]
Date: 2009-01-15 15:00:02
Books, Ballet, and Booze: 11 Nutcracker Tales for the Holiday Season
Since the 1950s, many Americans can’t really call it Christmas until they pack up the car, head to the theater, ... altitudes, as a low-growing tree will have wider rings and soft wood, and a tree from higher elevations [more...]
Date: 2008-12-25 00:00:03
The brutal truth: beligerent Muslims are NOT "just like us" -- and never will be
The brutal truth: beligerent Muslims are NOT "just like us" -- and never will be Definition of a liberal: Someone who condemns "hicks" who haven't "traveled the world" (with a backpack and daddy's credit card, of course) "to learn ... than many populizers imagine and is still disputed by many) and so lower class white kids still score [more...]
Date: 2009-01-03 11:56:34
Transcript: DICK Cheney on Fox News Sunday | The Exit Interview | December 21, 2008
(Source: CQ Transcriptswire) Editor’s Note: This portion of the show transcript contains only the Cheney interview. Mr. Chris WALLACE: Mr ... s package basically extends a line of credit to the companies for a specified period of time and also [more...]
Date: 2008-12-21 20:13:21
How to Save Money on Homeowners Insurance
Whether your home is still mortgaged or free and clear, having homeowners insurance is an essential part of your financial well being, ... insurance companies that serve your area. One you have information in hand, you can check each insurer [more...]
Date: 2009-01-16 03:28:24
Advice To Pres. Obama (#2): Yes We Can, But Will We?
The below post/letter is very important to me, and brings together much of what I have worked on the past few years ... is the product of our own success and therefore we cannot fix it with the same thinking or actions [more...]
Date: 2009-01-15 16:49:43
New Credit Card Rules and Regulations - The Good and The Bad
Note: The New Credit Card Rules Do Not Go Into Effect Until July 1, 2010 These days, ... FICO credit score hit. Currently, my FICO credit score stands at a very healthy 802, thanks to my solid ... it for everyone else. This is how I feel about credit cards and the credit card industry. Credit card [more...]
Date: 2008-12-25 03:28:28
Participation [Inside Omniture SiteCatalyst]
Falling into the bucket of SiteCatalyst features that many clients are not familiar with, ... and gives each preceding page credit. If the Success Event is a purchase of $100, all ten pages ... credit of $10. If the Success Event is a Counter Event, then each page would receive .10 credit [more...]
Date: 2009-01-13 19:09:24
Reviews Of The Best Capital One Credit Cards and Offers
Updated List Of The Best Capital One Credit Cards Below What’s In Your Wallet? - So goes the motto and promotional tag line from those zany Capital One credit card ads we’re always seeing on TV. When it comes to Capital One, the credit card company’s message is clear [more...]
Date: 2008-12-18 20:46:00
Review Of HSBC Direct High Yield Online Savings Account Bank
When it comes to choosing the best high yield savings account, many of us look for different things - placing greater weight on certain bank features than others. For myself, when I’m deciding which bank presents the top savings opportunity for my money, [more...]
Date: 2009-01-06 03:50:33
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