If I Ruled the UK

They say you should read the sort of thing you write.  So I thought I’d have a look round some blogs this lunchtime ... (on behalf of the landlord, ha, ha) 6 months rent in advance - free credit in other words.  I’d just sold ... this is what I’d do, in response to some of her points:“1 Landlords are obliged to submit to the same credit [more...]

Date: 2009-01-08 16:01:29

Blog posts (119) | Videos (70)
 

The Early Bird: October 10, 2008

Crowd Reacts Angrily At McCain Rally Playing the underdog card at a stop in Waukesha, WI yesterday, ... percent and saw its first close below 9,000 since 2003, global stocks plummeted Friday and credit ... . One reform Dart suggested was that the judiciary make lenders warn tenants when their landlord's building [more...]

Date: 2008-10-10 13:53:48

You are taking the Plunge! Tips And Tricks To Rent Your Home for Inauguration 2009 and Beyond!

Contracts?  Security deposits?  Background checks?  Credit history?  Who thought renting out your home for a few extra bucks could be so complicated? ... www.YouCheckCredit.com, which costs roughly $15 per report.  Credit reports with no score can be hard to read.  Get a credit report that is scored, so that you don’t have to guess whether they are cr [more...]

Date: 2008-12-10 20:40:12

Weekly Economic Potpourri

The jobs report comes out tomorrow and the overwhelming odds are it will be the 9th consecutive month of job losses ... Charlie Rose yesterday. "They are not wrong to be worried." Ford, Honda U.S. Sales Plummet as Credit ... of dwindling sales and tighter credit, according to a newly released study by Grant Thornton LLP [more...]

Date: 2008-10-03 06:47:57

Beware It's A Scam

with our economy crisis, scam artist and con artist are taking advantage on it. People lose jobs and are desperate to find anything that will give them an extra income. Who won't like extra money in your pocket? Of course, everyone would like to be able to get extra income to help through the tough times [more...]

Date: 2008-12-14 15:12:00

Googel Developers Day US - Testing Distributed Systems

Click here to view the embedded video. Attention! API Garbage (might be unreadable): Google test checkout 10 yes this is a testing history systems with Ajax XML lessons learned from Google check out hundred hundreds and they ll be presenting out today with Mario Mentor from the checkout team and nosedive in your so mutable love to do everything [more...]

Date: 2008-12-21 12:49:52

Calif. real estate licenses drop, 1st time in a decade

Click to enlarge The California Department of Real Estate reports that the number of real estate licenses in the state has ... on an annual basis, but the pace of growth tapered off from 2007 through July, a time when the housing slump spread into a global credit crunch and ultimately into a full-fledged economic meltdown [more...]

Date: 2008-12-12 21:58:12

FHA Mortgages - The Right Financing For First Time Buyers

First time buyers often have little to no credit depth, lower credit scores and a limited amount of resources for the down payment and closing costs ... on the credit report. Examples include rental payments to a landlord, cellular phone bills, utility ... . FHA mortgages addresses each one these issues. Let’s start with credit depth. Often a first time [more...]

Date: 2008-12-07 18:01:27

110 Financial Calculators: Fast Answers to Your Money Questions

Have you ever wondered how your salary compares with others in your profession? Do you want to know if it’s better to prepay your mortgage or to invest instead? Are you confused about how to accelerate your debt payoff? Curious what it will take to save your first million dollars? Today is your lucky day! [more...]

Date: 2008-12-03 05:22:28

Hurry...$7,500 Home Credit Ends July 1st

In my July Market Report, I mentioned that The American Housing Rescue and Foreclosure Prevention Act includes provisions to help homeowners keep their homes.Another provision provides a tax credit of up to a $7,500 (10% of the purchase price ... $500 per year, depending on the amount of credit you claimed.This important credit applies to homes [more...]

Date: 2009-01-04 11:50:00

Why We Complain -- The Top Ten

A survey just out -- 39 state, county and city agencies from 25 states report on their "top complaint categories": 1. Auto 2 ... . Landlord/Tenant Click here for the report with "real world examples" ... . Home Improvement/Construction 3. Credit/Debt Collection 4. Retail Sales 5. Utilities 6. Household [more...]

Date: 2008-07-30 16:06:35

2008: An Emotional Year in Review

2008: An Emotional Year in Review I know it’s customary to “predict” the future, but frankly, I think we need to look back and realize just how remarkable and stressful the year 2008 was. No one called it The Great Depression in 1929, and my guess is that it will take 5 years or more for historians to label 2008 as a turning point when [more...]

Date: 2008-12-31 20:44:01

INFLATION-- AN INEVITABLE OUTGROWTH OF BUSH ECONOMIC POLICIES

The Bush Regime has become adept at doctoring numbers and explaining reality to suit its own needs. With the same sincerity that Bush regimists could assure the American people that Iraq was brimming with WMDs and that a mushroom cloud was on the horizon, and that Saddam was working hand in hand with bin Laden, his Labor Secretary, Elaine Chao, [more...]

Date: 2008-06-17 18:51:57

Waters Backs Bair and Turns Up the Loan Modification Heat in Washington

Waters Backs Bair and Turns Up the Loan Modification Heat in Washington Posted under Home Loan News “And so here we are and we don’t have any ... this year due to government inaction and lack of credit availability. With 60 percent of national jobs to its credit, small business industry is clearly an economic ... Investors Prove Countrywide [more...]

Date: 2008-12-10 22:22:00

Chicago parking meter privataization, where he said: In general, the market price of street parking should be very similar to the market price of garage parking. Since a garage is more secure and protected from the elements, that has certain advantages. But a street spot might be more convenient. So you’d be looking at rough similarity [more...]

Date: 2008-12-02 21:23:01

My New Credit Card: Not for Credit

Every Tuesday, Smithee presents an article about his own experiences with credit cards and observations about the credit card industry. Two weeks ago I introduced you to a new credit card that offers 2% cash back that is deposited ... credit card applications always say, “get a decision in minutes!” and then they feign some sort [more...]

Date: 2008-12-23 13:04:04

When are YOU going to get your first affiliate sale?! From: T.M. Tony To: Every Internet Marketer Who Wants More $$$ When you first heard of affiliate marketing, what came to your mind? More than likely, you thought it was a quick way to earn some cash. for just promoting a website link, right? That's what I thought [more...]

Date: 2009-01-12 11:05:58

Ask the taxgirl: Babysitter Bonus

Taxpayer asks: My husband and I both work and we have two young children ... you. When we were doing our taxes, our accountant told us that we had to report it as part of our babysitter’ ... about whether - and how - to report year end “gifts” to babysitters and child care providers. First [more...]

Date: 2008-12-16 05:18:04

Do it Yourself Mortgage Modifications | Free Tools, Free Help and Safe Websites

Do it Yourself Mortgage Modifications | Free Tools, Free Help and Safe Websites Can you obtain a mortgage modification on your own for free or ... this year due to government inaction and lack of credit availability. With 60 percent of national jobs to its credit, small business industry is clearly an economic ... Investors Prove Countrywide [more...]

Date: 2008-12-15 17:58:57

Catch-up miscellany

Thanks, as ever, to Jan Luba and Nic Madge in Legal Action for putting out notes on cases, including those that don’t make the reports ... , all I have to go on is the LA note. (Hint - anyone sending a report to Legal Action could also think about sending one here, or you could send a report here even if you don’t intend to send it to Legal [more...]

Date: 2008-12-02 21:49:58

Apartment Landlords Find What Goes Up, Does Come Down

Housing Slump Stoked Rise in Tenants, But Now Rental Concessions AboundJANUARY 7, 2009, ... research firm Reis Inc. show that effective rents, which includes free rent and other landlord ... report Wednesday projecting no growth in apartment rent for 2009.Even cities that posted healthy rent [more...]

Date: 2009-01-07 13:42:00

Victory in El Barrio: East Harlem Tenants Win One As British ‘Predatory Equity’ Landlord Collapses

UNMOVABLE: British landlord Dawnay, Day hoped to force rent-stabilized tenants like Filiberto Hernandez (Left) out of the 47 apartment buildings it purchased in East Harlem in 2007. However, Dawnay, Day’s plans went up in smoke after the global financial crisis struck the over-leveraged company. [more...]

Date: 2008-11-15 19:59:27

Apartment-Rental Company Launches Revolutionary Service in D.C.

Urban Igloo, a new company in the Washington, D.C. area, is dramatically changing the way renters find housing and how homeowners and landlords fill vacancies at a time when vacancy rates are high for apartments and investment condos. Washington, DC (PRWEB) September 11, 2009 — A new company in the Washington, D.C. area is dramatically changing the way renters find housing and how homeowners and landlords fill vacancies at a time when vacancy rates are high for apartments and investment condos. [more...]

Date: 2009-09-11 13:36:52

Assaulted for Being A "White Girl With Balls"

I believe I have further grounds for political asylum and persecution reasons, as of yesterday and today.The police, I have confirmed, instructed the landlord of my residence, to file and make up a false claim against me for restraining order when she couldn't legally have me removed and was told [more...]

Date: 2009-01-15 02:41:00

Anatomy Of A Boise Real Estate Short Sale

I closed my worst escrow in 36+ years of real estate this past Wednesday. And (surprise!) it was a short sale! Here are the details: Property was worth $210,000 to $215,000 at the peak of the market in 2005-2006. $106,000 1st loan with Countrywide. $90,000 HELOC with Washington Mutual (WAMU) after seller stripped equity to buy another home [more...]

Date: 2008-11-28 19:03:16

A Special Report: Lawyers next, to pursue what is, of course, best for you and how you voted.

Special as a Democrat, special now as a Republican, offshore drilling advocate and special friend to offshore drilling business owner Nasser Kazeminy, he will take his special issue to court - for the good of the nation, especially as a matter of principle; AP reporting:MINNEAPOLIS – No longer a U.S [more...]

Date: 2009-01-06 20:40:00

began the charade. In December, 2003, the school board (two-thirds of whom are still board members) conspired with Quinn to “change” Rappaport’s and Pond’s positions to supervisors. Quinn promptly informed the county of the changes and updated the matrix report. Of course, as was previously [more...]

Date: 2009-01-10 17:16:44

O.C. homes appraise 18% cheaper in a year Slice of Nixon’s Western White House? Only $15 million Bankruptcy sought for ocean-view homes in San Clemente Crystal Cove homesellers stubborn on pricing Higher-priced O.C. homesellers continue to discount Calif. home prices off 28.9%, nation’s worst drop O.C [more...]

Date: 2008-12-08 08:22:21

Millions at risk of foreclosure fraud

Angela Carter outside the Chicago home she may lose because, she says, she fell for a foreclosure rescue scam. (Chris Ocken for MSNBC.com) Angela Carter's family has lived for 46 years in the same small two-story home in Chicago, perhaps a 15-minute ride from Barack Obama's adopted Hyde Park neighborhood [more...]

Date: 2008-09-22 09:00:00

Host of Internet Spam Groups Is Cut Off

Host of Internet Spam Groups Is Cut Off The volume of junk e-mail sent worldwide dropped drastically today after a Web hosting firm identified by the computer security community as a major host of organizations allegedy engaged in spam activity was taken offline, according to security firms that monitor spam distribution online [more...]

Date: 2008-11-13 15:21:31

Jan 14 2009

Not being a stellar day, it nonetheless was much better. A few tight stops, and three sizeable wins, two on RIMM and one on ACOR. Still a lot of fear in the market though, so our commitment stays fleeting. Session Time: Wed Jan 14 00:00:00 2009 {nemo} Hah! woke up at 3:30 this morning. {Threei}  Good morning {magoo} morning[ [more...]

Date: 2009-01-14 21:11:07

Housing in O.C. beach towns slumps, sales off 28%

Analysis of MDA DataQuick’s November report shows the county’s beach-close communities are clearly being challenged by a credit crunch and a ... project New five-diamond golf resort is ultimate in indulgence Bankruptcy sought for ocean-view homes [more...]

Date: 2008-12-22 08:24:51

Learn from their mistake

Posted by MK on December 18, 2008 The Local  ... Association’), had been occupied since November 24th to protest against the landlord’s decision ... in a controversial draft report commissioned by a leading think tank which suggests that over 60 per cent [more...]

Date: 2008-12-18 10:07:48

Treasury bid to halt rent-back evictions

Owen and Moira Martin are among the many British victims of companies offering controversial sale-and-rent-back deals ... report into the sector that some 50,000 sale-and-rent-back transactions had taken place. Operators ... operations which advertise in tabloid newspapers. In the wake of the OFT report, the Treasury [more...]

Date: 2008-11-09 00:04:48

Tips to Avoid Problem Tenants in your Rental Property

Having the right tenants in your property can truly make a huge difference in your ability to succeed in owning investment rental property. While problem renters can definitely exhibit some warning signs, there are some problem renters who are quite adept at getting past landlords [more...]

Date: 2009-01-08 02:22:17

Alexandria Real Estate Equities, Inc. Announces Public Follow-on Offering of 3,000,000 Shares of Common Stock

Alexandria Real Estate Equities, Inc. Announces Public Follow-on Offering of 3,000,000 Shares of Common Stock PASADENA, Calif., Sept. 23 /PRNewswire/ — Alexandria Real Estate Equities, Inc. (NYSE:ARE) announced today that it is commencing an underwritten public offering of 3,000,000 shares of common stock. Barclays Capital, Credit Suisse and UBS Investment Bank are acting as joint bookrunning managers in connection with the public offering. Alexandria Real Estate Equities, Inc. [more...]

Date: 2009-09-23 20:24:04

FHA Credit Guidelines

FHA Credit Guidelines which borrowers and lenders must follow in order to obtain FHA financing for purchase and refinance loans ... debt that shows on the credit report but is stated on the loan application. Collections ... . Purchase Loans, Cash Out Refinance Loans, Rate Term Refinance Loans A credit blemish here [more...]

Date: 2009-01-02 17:18:26

Your Credit Report: Fresh in January

Come the New Year most of us will have made many pledges to ourselves, known, ... we are starting and watching our progress along the way has as much to do with our credit report as anything else. Our credit report is the information that when called upon will give our standing [more...]

Date: 2008-12-04 01:12:03

Turned Into A Money Vehicle

A report from the Associated Press. “Existing home sales in the Northeast dropped more than 9 percent in October from last year, ... report.” “‘I had a few buyers who work for the investment banks or brokerage houses. Some of them [more...]

Date: 2008-11-25 16:48:32

Handy Landlord Background Check Methods That You Must Know

Finding reliable and cooperative tenants for your rental property is not an easy task ... s Credit ReportbrbrWhile most landlords know that a credit report is valuable for checking if someone ... , his credit report will probably contain his criminal records. It is important that you don’ [more...]

Date: 2009-01-01 18:19:10

Cable Box and Credit Scores

  You might wonder what an equipment box from a cable company has to do with credit scores ... a collection account on your credit report a few months or years down the road.  NOTE: By monitoring ... on your report.  Their name and address should be on your credit report.  Be sure to use the collection [more...]

Date: 2009-01-14 13:50:08

Renters: Prepare for a Move by Raising Your FICO Scores

Many tenants assume that their landlord is rich, but that's not always the case. In fact, that's often not the case ... and tenants don't usually discuss the landlord's financial situation, tenants can be caught unaware ... to your landlord should be listed in district court records [more...]

Date: 2009-01-11 19:16:03

From Paying Rent to Paying Home Mortgage

Renting - it can be frustrating and expensive. Many people pay hundreds of dollars (or more) ... to make sure that you credit score is at its optimal level by pulling your credit report and score ... that you are paying your landlord each month, however, to make payments toward your own home [more...]

Date: 2008-12-19 00:07:47

Handy Landlord Background Check Methods That You Must Know

Handy Landlord Background Check Methods That You Must Know Finding reliable and cooperative tenants for your rental property is not an easy task ... as the courts feel that you were misguided by the lies. Method 2: Check Your Tenant's Credit Report While most landlords know that a credit report is valuable for checking if someone is likely to pay [more...]

Date: 2008-12-27 07:30:05

The Two Faces Of Buy To Let Mortgage Borrowers

By Parmdeep Vadesha Buy to let in the current market conditions is deemed as unprofitable by some ... news, the buy to let business in the UK has its own share of troubles. Due to the credit crunch ... setting. This is because of the abundance of cheap properties brought about by the credit crunch [more...]

Date: 2009-01-06 22:03:24

Setting Long-Term Goals and Getting There after College

by Landon McGehee I had a relative graduate from college recently, ... that there aren’t any mistakes on it. You can get one free copy of your report once a year by visiting ... . 1. Know your credit score. You will have a credit report once you borrow money from a lender [more...]

Date: 2008-11-05 19:53:11

Effective Landlord Background Check Methods That You Must Know

Effective Landlord Background Check Methods That You Must Know A landlord background check is crucial when it comes to finding reliable and ... Report While most landlords know that a credit report is valuable for checking if someone is likely ... should be your first choice for a landlord background check because it is both free and highly [more...]

Date: 2008-12-26 14:46:02

Carnival of Personal Finance #175 - "Jokey McJokester" ed.

Hello my frugal little friends, and welcome to the 175th Carnival of Personal Finance - "Jokey McJokester" edition! As many of you know, i'm a huge fan of mixing entertainment with financial learning, so get ready for some fun up in here :) [more...]

Date: 2008-10-20 11:02:01

The Pull of the Credit Card

a rundown of The Housing and Economic Recovery Act of 2008.  Part of this new legislation is a zero interest loan, disguised as a tax credit, for first time ... 9, 2008 and July 1, 2009, we will qualify for the credit.  I have mixed feelings about it though [more...]

Date: 2008-08-07 11:00:44

Phoenix AZ Renters should request Landlord’s Credit Report

“Sharks smell blood in the water.”, I think that is how the old saying goes ... Phoenix AZ Renters should request Landlord’s Credit Report Due to the financial straits, some owners ... to get such a great deal The landlord asks for a credit report The landlord tells the buyer that due [more...]

Date: 2008-11-30 17:59:00

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