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PAPER WRAP-UP: World Bank Policy Research Working Paper: Who are the Unbanked?

Written by Simeon Djankov, Pedro Miranda, Enrique Seira and Siddharth Sharma of the World Bank Private Sector Development Department Enterprise ... in the region have saving’s accounts. The survey sample included clients of savings and credit ... incomes. The report concludes that the unbanked households in the survey sample did not use financial [more...]

Date: 2009-01-06 08:31:25

Blog posts (131) | Videos (17)

Mortgage Rates January 9, 2009

Mortgage rates are off to an outstanding start for 2009 ... of your credit report.  You are allowed 1 free copy every 12 months, and the inquiry will not be reflected ... credit dispute letter” and find hundreds of free or sample dispute letters to send out. The next [more...]

Date: 2009-01-09 15:17:37

Obama Takes Early Lead in Early Voting

Announcing a presidential poll that actually matters! Unlike hypothetical polling — Who might you vote for in three months? ... early voting in key states like Nevada. (Credit: Obama Flickr) Pew reports today that among people ... saying they back Obama. When the sample is narrowed to those most likely to vote, Obama leads by 53 [more...]

Date: 2008-10-28 19:55:43


Teresa Sullivan et al's book, As We Forgive Our Debtors (1989, see Chap 8, specifically) ... -earner females in the bankruptcy sample. Domowitz and Sartain do not report any effect of gender ... points out that women were not even guaranteed credit in their own names until 1970 (or 1974 [more...]

Date: 2009-01-12 16:47:18

Government Auctions - Quality Foreclosure Sample Listings

As I half heartily listen to CNBC news while I’m working I realize that the media is sensationalising the current credit and housing worries to the point that each report seems to have to outperform the previous on how gloomy the state of the financial world is in. It almost seems like it’s a competition about who can report the worst news. It’ [more...]

Date: 2008-11-21 17:56:48

Blu-ray recorders in Japan

... the small sample size, so hopefully I can make amends with this detailed report from DIMSDRIVE ... , even getting onto Google News UK’s front page, but any credit to me got lost on the way. Mind [more...]

Date: 2009-01-16 13:39:09

Budgetary Corrections

With Illinois' budget stretched and the outlook for the national economy looking bleaker by the day, ... a dirty urine sample – and aren’t the result of new crimes being committed. To his credit, Gov ... , the Illinois prison system is a giant mess. According to the Pew Center on the States' February report [more...]

Date: 2008-10-20 19:52:36

Ambulatory Surgery Centers

Recent economic news has ranged from gloomy to apocalyptic. The economic downturn has affected the psyche of the American population and created an ever-present pessimistic mood, which in turn has changed consumer behavior. Those who used to spend have put away their wallets, causing widespread unemployment and drastic declines in business activity. The circular nature of the business cycle ensures a downward spiral that is difficult to reverse. [more...]

Date: 2009-09-23 15:47:05

Payment Options for Your Business: not so Plain Vanilla Anymore

Sep.20, 2009 in UncategorizedCopyright (c) 2008 Aisha Jones Scheffel I scream, you scream, we all scream for ice cream. As the summer begins, it always makes me think of ice cream, sunshine, and water whether it’s laying by a pool or lounging on a beach. So naturally, wanting to officially kick-off summer, I ventured into a nearby ice cream shop and became paralyzed with all the choices. I knew I wanted a waffle cone, but I couldn’t decide between pistachio ice cream or cherry vanilla ice cream. [more...]

Date: 2009-09-21 04:26:47

Add Your Comment:

« PreviousEBITDAR: the pirate's financial metric Next »The Fed's Wall Street pay fix A bolder approach to credit-rating agency reform Posted by Barbara KiviatFriday, September 18, 2009 at 11:55 am 7 Comments • Trackback (2) • Related Topics:investingregulation Yesterday the SEC rolled out a bunch of new rules and proposals meant to purge conflict of interest and ineptitude from the credit-ratings agencies—that group of companies whose greatest hits include considering Enron investment-grade [more...]

Date: 2009-09-18 15:55:25

Terror Probe Arrests: Two Colorado Men, One NYC Man

AURORA, Colo. — The arrest of a Colorado airport shuttle driver as part of a terrorism investigation reveals a murky plot that involved him receiving explosives training with al-Qaida in Pakistan and downloading instructions on his computer on how to build bombs. But one thing is missing – actual terrorism charges. Najibullah Zazi was only charged with making false statements to the government, raising questions about the nature of the plot. [more...]

Date: 2009-09-20 21:22:54

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

being an informed consumer of polls

Nate Silver is accusing the Strategic Vision polling firm of making up its data (which would be much cheaper than collecting it!). I don't know the truth about this case, but I'm especially interested because one of the disputed Strategic Vision polls found extremely poor knowledge of civics among Oklahoma students--and civics is my main interest. In any case, this seems an opportune moment for some remarks about polling, in general. [more...]

Date: 2009-09-28 13:26:52

In The News Today

Jim Sinclair’s Commentary I have to admit that sometimes I do get tired. Jim Sinclair’s Commentary Damn, Volcker said it if you have ears to hear. OTC derivatives sap capital from those that would build and capitalize those that would destroy enterprise. OTC derivatives have not one iota of social redemption. This engenders a total financial society culture that abhors builders and rewards destroyers. This culture is at the heart of the naked and raid short sellers. [more...]

Date: 2009-09-17 19:01:48

Rise in Overdue Mortgage Payments

In the first three months of this year more than a fifth of homebuyers in the UK, who have a chequered credit history, have fallen behind on their mortgage payments and even those with top-quality ratings have seen a statistically significant rise in delinquencies. New research from Standard & Poor’s is based on the behaviour of homebuyers, whose loans have been packed in to mortgage-backed-securities, accounting for 80 percent of the £43bn sub-prime mortgage market. [more...]

Date: 2009-09-25 03:11:53

Mega Collection of Top Applications (more than 80) - vinay

MEGA SOFTWARE COLLECTION ALSO SEE PAGE-6 CRAZY TALK 5 PRO DFX SOUND ENHANCER V8.403 BIT DEFENDER TOTAL SECURITY 2009 Unlike other security solutions, which rely heavily on a list of pre-existing viruses, BitDefender security solutions use proactive B-HAVE technology that identifies and blocks new and zero-day threats. Additionally, BitDefender Total Security 2009 Systemâ??s maintenance and backup tools keep PCs running at optimal speed and protected from data loss. [more...]

Date: 2009-09-27 07:20:53

The Price of Pain - The real million dollar bust - The Gerry and Marilyn Greene Campbell Story

This is a follow up to a local story from August, Sophisticated hydroponic marijuana operation found and my own post on it. Thanks to Kim Davenport for this and giving us a perspective that the MSM rarely does. The real million dollar bust A CannonWire exclusive, as told by Barbara Broads. It's the secret no one talks about. “If you say it, everyone thinks you do it. That if you think it’s ok to legalize marijuana, you must want to buy marijuana. [more...]

Date: 2009-09-21 18:12:00

Is Your Doctor Getting Ready to Quit?

<a>In a recent editorial published by Investor’s Business Daily, associate editor (and PJTV.com regular) Terry Jones revealed stunning poll data showing that 45 percent of American physicians “would consider leaving their practice or taking an early retirement” if Congress passed the proposed ObamaCare health legislation.As a practicing physician, I’m not surprised. </a> [more...]

Date: 2009-09-18 07:00:39

BBC Watchdog Fiasco

I’m sure a lot of you may have seen the video on YouTube , or elsewhere, where BBC was investigating the cause of the infamous “Yellow Light of Death” and how Sony demands money for the consoles to be repaired. All this, while claiming the systems can easily be fixed by heating the circuit boards in the PS3 in a special oven, melting the solder joints and fixing the problem. Problem is, it’s really just a temporary fix. [more...]

Date: 2009-09-18 18:29:12

Total MMA: Inside Ultimate Fighting

Review”The best book on the real history of MMA that I’ve seen. . . . This book really is so great I couldn’t put it down . . . it’s a thorough history dating back to the turn of the 20th century, covering the heydays in Brazil, Japan, and major UFC opposition groups over the past 15 years in North America. “  —Wrestling Observer”If the history of MMA was taught as a college course, Total MMA would be the official textbook used for the class. [more...]

Date: 2009-09-17 11:58:06

12 Most Outrageous Examples of Government Waste

Most have heard the saying that no one takes care of a rental car like they take care of their own. Why not floor the gas pedal or track sand into the car - the reasoning goes - if you’ll never see it again after this week? In many ways, this is a perfect analogy to government waste. No matter which party is in power, spending other people’s money rarely compels one to be as prudent as if they were spending their own. [more...]

Date: 2009-09-24 20:03:11

"Good" Borrowers More Likely to "Strategic Default"

    With all of the talk in the news lately about a housing market that has suddenly become more stable, the 800 lb gorilla in the room goes largely ignored. But huge, hairy and mean, there he sits. And he's getting hungrier by the minute. That's because behind the headlines, the much bigger problem here is actually the continuing decline in values that could push as many as 50% of all mortgages underwater by 2011. [more...]

Date: 2009-09-22 16:38:21

Brand Measurement: Analytics & Metrics for Branding Campaigns

One of the ultimate excuses for not measuring impact of Marketing campaigns is: “Oh, that’s just a branding campaign.” Admit it, you’ve heard it. I suspect you’ve even used it liberally!! : ) Before we go any further I must clarify that I love branding campaigns just as much as the next guy. I love campaigns that Visa runs. I love watching the IBM ads (with the Linux kid perhaps the best of the lot). I loved the I’m a PC ads from Microsoft (and I am a proud PC!). [more...]

Date: 2009-09-29 08:34:04

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

Credit Repair Can Make Your Life Stress Free

by Dina Salinas For most people, having bad credit would be like the end of the world. People rely on credit for even the simplest transactions in this modern world. If you have bad credit, then simplify your life with a credit repair that is within reach. If you’re having financial issues, chances are that creditors already know. They can tell by the way you handle your credit, the way you pay it, etc. For instance, if you are changing your credit pattern or taking cash advances. [more...]

Date: 2009-09-27 18:08:52

Garlic extract cuts back on cows' methane gas

Mention greenhouse gases, and most people think of cars. The reality, however, is that more than 20 percent of such gases around the globe come not from machines but from cows—specifically, the 500 billion liters of methane gas that get emitted by the world's billion or so cows every day. That's more than what's produced by all the cars, planes, ships and trucks on the planet, but Mootral , a small UK startup, may just have found a solution. [more...]

Date: 2009-09-24 06:48:54

A Fundamental Shift In How We Communicate: George Siemens, Twitter And The Real-Time Web

Are Twitter and the real-time web a fundamental shift in how we communicate? Or is the real-time web just a fad? Photo credit: Chris Lamphear While it is clear that the web has greatly simplified the way you and I consume information, now the problem is how to handle the huge amount of content that is produced. Just a few decades ago your morning newspaper, TV news and a couple of phone calls with your friends would just suffice to keep you updated on your interests. [more...]

Date: 2009-09-25 11:50:00

Rates for Friday Afternoon

Mortgage rates are much improved since what I posted last week.  Wednesday and Thursday were rough on the markets as traders braced (and rightly so) for a stinky Jobs Report.  Bad news typically (but not always these days) equals lower rates ... quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” purchase [more...]

Date: 2008-11-07 21:38:07

Germania: The Nazi's Monumental Plans for Berlin

Link Scroll down for today's pictures & links. Germania: The Nazi's Monumental Plans for Berlin Here is a fascinating 3-D modelled flyby of Nazi Germany's planned architectural makeover of Berlin. Hitler intended to establish a World Capital he called Germania (strangely, this is the Russian term for Germany) with some of the most colossal buildings ever conceived. The Volkshalle (People's Hall) was designed by Hitler himself (read more about Germania's planned monumental architecture here ). [more...]

Date: 2009-09-25 07:25:00

Growing Our Own

As usual, a couple of timely coincidences has prompted another post. This time, we're back to food. I was grazing through the Orion update I get periodically, where a short piece by Jason Peters about ecological illiteracy points out that ignorance about our almost complete dependence on oil is going to affect us profoundly, [more...]

Date: 2009-01-08 01:40:17

So what really happened?

Michael Lewis and David Einhorn have written a devastating analysis in the NYT of why the banking catastrophe happened. It’s a great read. Sample: OUR financial catastrophe, like Bernard Madoff’s pyramid scheme, required all sorts ... its enlightened self-interest. The credit-rating agencies, for instance. Everyone now knows that Moody’ [more...]

Date: 2009-01-04 21:53:27

How Do I Sell My Stuff On eBay

Finding it increasingly difficult to get enough money to survive? Want to get some extra money for your family? Then perhaps you should consider selling products on eBay. Internet businesses are becoming a very popular way of making money . Selling on eBay is easier than most other businesses. If you’re trying to find a way to sell stuff on eBay then there are some important things to consider. You might want to sell things to clear some space, or to make some money . [more...]

Date: 2009-09-25 16:06:43

Consumer Reports Retirement Survey: Planning Ahead May Be Just As Risky As Rewarding

February issue offers 17 moves to rebuild the nest egg and secure the future In the wake of big investment losses many have turned to Plan B to ... their credit card use and spent less on groceries and household goods. “When bad investments happen to good ... . But it proved punishing during the unusually severe market downturn of recent months. The [more...]

Date: 2009-01-06 12:09:04

Fixing Credit Report – The Good… The Bad… And The Truth

Fixing Credit Report – The Good… The Bad… And The Truth by Tim BeachumYou are moments away from understanding the process of fixing credit. It’s really not important what your reasons are for wanting to repair your credit the fact is you have made a good decision. Repairing your credit is well worth the effort, and depending on your current situation repairing your credit can lower your monthly bills, open a bank account, rent an apartment, and even purchase a car. [more...]

Date: 2009-10-01 15:25:39

Year 2, Week 15 Results: 1.3 oz of plastic waste. Plastic on TV.

Do any of you watch the Showtime TV show Weeds? Have you ever noticed that Mary Louise Parker has a permanent straw stuck in her mouth? ... . 1 expired Discover card. Hmm... I've seen compostable gift cards. I wonder if credit cards will ever ... think I can do anything about these. 1 plastic wrapper over a Financial West Group investment report [more...]

Date: 2008-09-29 06:36:29

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

Windows Azure and Cloud Computing Posts for 9/24/2009+

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: 2009-09-27 21:52:00

New Blood Test for Down Syndrome

A team of clinicians and bioengineers from Stanford University and Howard Hughes Medical Institute is reporting an exciting new technology that can ... technology from plasma of pregnant women, obtaining, on average, 5 million sequence tags per patient sample ... on measurements of DNA in fetal cells present in the mother's blood. The report said that [more...]

Date: 2008-10-07 06:29:50

Ontario: 2009 Saturn Astra XE 5-Door (AKA Opel Astra) $10,990* Cash Price

With GM shedding the Saturn brand and Saturn dealerships starting to close, the clear out of any remaining inventory has begun. From September 17 - 19, four Saturn dealerships in Ontario are offering a "Big Deal" on the 5-door 2009 Saturn Astra XE at a cash price of only $10,990 after the GM/Saturn loyalty credit of $1,000. To get the loyalty discount you must be a current lessee or owner of a GM vehicle that has been insured for the previous 6 months. [more...]

Date: 2009-09-16 15:22:01

The Challenge Is Prices Got Stupid

The Daily Astorian reports from Oregon. “An increasing number of homeowners in Clatsop County are falling behind on their mortgage payments and opting to sell their homes to avoid foreclosure. On the North Coast…Barbara Maltman, a Gearhart real estate agent said she has sold several local homes that were in foreclosure or in danger of being [more...]

Date: 2008-10-07 17:26:52

Strategic Default Data Suggests Foreclosure Prevention Tactics Useless

An interesting report in the Los Angeles Times shows that a person with super-prime credit scores is more likely to walk away from an underwater mortgage than a person with a subprime credit rating. Inquiring minds are reading Homeowners who 'strategically default' on loans a growing problem. Who is more likely to walk away from a house and a mortgage -- a person with super-prime credit scores or someone with lower scores? [more...]

Date: 2009-09-19 19:42:00

HuffPollstrology: Candidates' Horoscopes, Polls And More For September 28

Polls have come to dominate the media's horse race coverage of political campaigns. Pundits and reporters constantly use them to tell us who's hot and who's not -- but skip over the fact that plummeting response rates and variables like undecided voters and margins of error often render these polls useless as anything other than lightweight [more...]

Date: 2008-09-28 06:03:39

Just Tricks…No Treats for Friday’s Rates

Mortgage rates continue to trend upwards like mummies crawling out of their graves.  (Sorry…bad reach. Booooo).  October has been terrible for rates! ... and FHA jumbo loans.    We’ll end next week with the goulish Jobs Report.  Most traders should ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-31 19:48:17

Sometimes, You Gotta Flush Twice.

Obama pieces together economic planObama released a report from his economic team that claimed a $775 billion economic stimulus package he is ... . With no savings account, and a low credit score, they are hardly rich. You're rich when your money ... the minimums on your credit cards, and just the interest on that jumbo mortgage doesn't make you rich [more...]

Date: 2009-01-10 16:09:00

Hillary Clinton Re-Imagined

Hillary Clinton Re-ImaginedHillary Rodham Clinton will serve in a non-partisan role as secretary of state, which may provide her an opportunity to recast her legacy.Hillary Rodham Clinton's confirmation hearing today in front of the Senate Foreign Relations Committee marks a turn in the legacy of a family that has dominated Democratic politics for [more...]

Date: 2009-01-13 20:05:21

Friday’s Rates following the Rescue/Bail Out

There have been so many factors that typically influence the direction of mortgage rates over this past week, it’s amazing.  Just this morning we had another dismal Jobs Report with a greater loss than expected ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-03 21:29:05

How Do I Sell My Stuff On EBay

By Amanda O'Brien Finding it increasingly difficult to get enough money to survive? Want to get some extra money for your family? Then perhaps you should consider selling products on eBay. Internet businesses are becoming a very popular way of making money. Selling on eBay is easier than most other businesses. Finding it increasingly difficult to get enough money to survive? Want to get some extra money for your family? Then perhaps you should consider selling products on eBay. [more...]

Date: 2009-10-01 09:02:47

INTERMEX FINANCIAL (2009-09-18 17:11)

'What You're Left With Is Libertarianism' Red Eye host Greg Gutfeld on what guys like to read, what meth addicts do to toasters, and why liberals and conservatives are so annoying Katherine Mangu-Ward Insomniacs who channel surf to Fox News at 3 a.m. may think they have drifted off into a dirty, hilarious febrile dream. [more...]

Date: 2009-09-19 00:11:00

NY-Senate: Much Ado About Nothing (Yet)

NY-Senate: Much Ado About Nothing (Yet) Caroline Kennedy listens to a reporter's question during a news conference at City Hall in Buffalo, N.Y. on Wednesday, Dec. 17, 2008. Kennedy is campaigning for the open Senate seat vacated by Hillary Clinton. (AP Photo/Don Heupel) An Associated Press report this morning citing two anonymous sources [more...]

Date: 2009-01-02 23:00:00

Why Phone Conversations with Bill Collectors is a Bad Idea

A highly trained bill collector knows how to get the most money out of defaulted debtors ... of how I wanted this reflected on my credit report. They would then have to agree with those terms ... . While you are nervously thinking of what to say they are taking notes… updating your credit file [more...]

Date: 2009-01-08 02:36:42

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