Fixing Your Messed Up Finances this 2009

If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... your credit card statements so you can see if your bank is increasing its rates. Explore ways on how [more...]

Date: 2009-01-07 10:18:05

Blog posts (146) | Videos (176)
 

Bad credit mortgages

by Mary Bush A bad credit loan mortgage is a way of purchasing a house, even with a poor credit score ... Consolidation News Best Tips to Manage and Eliminate your Credit Card Debt ... interesting residential property acquisition program. No credit is needed, no banks are involved, and most [more...]

Date: 2008-12-22 16:39:25

Big Victory in Fight Against Spam: Major Spam Host Axed

The Washington Post is reporting that a US host allegedly responsible for a whopping 75% of the junk email sent out globally on on a daily basis has ... activities, such as hosting child pornography, sites that managed payment processing for spam and child porn, and a Trojan horse operation that apparently swiped banking and credit card information [more...]

Date: 2008-11-12 18:42:03

Bill consolidation: A solution for your loan modification

In order to survive for your life and business, no matter you are part of low or high socioeconomic rank, ... debt, bill of your credit card, your house installment, Bank Loan and others. Finally, you cannot ... such problems, you should have a best debt settlement. Do not be panic. There must be an appropriate [more...]

Date: 2009-01-09 12:31:47

Cred-Ex's New Alt-Pay

New Alternative Payment Solution Cred-Ex Soon to be Available in the USSecaucus, New Jersey (PRWEB) January 13, 2009 -- Cred-Ex (www.Cred-Ex.com) ... not require consumers to input harmful personal data such as their credit card, bank account or Social ... through its patented process.Cred-Ex will grant instantaneous credit to consumers online on its [more...]

Date: 2009-01-13 20:27:00

Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00

Bank of America Seeks Second Bailout From Treasury Department

Yesterday, I speculated on the question of whether a bailout of those in credit card debt would be fair ... bailout funds to one of the nation’s largest credit card issuers. Just when I had begun to think ... of banks that would survive the banking crisis and benefit from consolidation in the industry [more...]

Date: 2009-01-14 23:32:04

A whole lotta Twitter phishin goin’ on

Twits beware. Twitter phishers and spammers are out on the prowl, ... on your computer or handheld that you can’t verify to trust. Just like bank and credit card ... , and that advice appears to be quite timely. I received “Twitter spam” today from four different educators whose [more...]

Date: 2009-01-06 05:20:53

The Coming Great Depression

Martin Armstrong: The Coming Great Depression It is frustrating to read so many comparisons of our current situation with 1929 while watching ... may signal a recession, but the collapse in debt signals a Depression. This Depression was set ... and shifted spending that created jobs into the banks as interest on things like credit cards [more...]

Date: 2009-01-08 03:55:35

200+ Tools for Surviving the Economic Crisis

With Wall Street’s recent decline and the economy in such an uncertain place, many people are fearful of losing their jobs and lifelong investments ... in that it aggregates your different accounts from banks and credit cards, lets you budget and also [more...]

Date: 2008-10-16 22:24:58

Yet Another Reason to Hate the IRS (and OCC)

Photo by SC Fiasco As if it weren't hard enough to get banks to offer workouts to overindebted consumers! ... lenders want to forgive significant portions of credit card debt that borrowers can't currently repay ... to expand credit card debt forgiveness. According to the Financial Services Roundtable (whom I don't [more...]

Date: 2008-10-30 20:11:13

Collection Agency Demands “Lump Sum”

A reader asked for advice in response to a collection agency demanding a lump sum and refusing to accept a payment plan.. Hi Barry, I have a question for you regarding a collection agency. I have a credit card account ... . I’ve been working with Bank of America through a payment program, but they recently sold the debt [more...]

Date: 2008-11-12 01:48:47

U.S. Mortgage Meltdown Linked To 2005 Bankruptcy Law

From Kansas City Star There’s no shortage of blame for the mortgage crisis that drove the economy into the ditch ... by the credit card industry. So say three researchers at the Federal Reserve Bank of New York, who argue that the legislation shifted risk from credit card lenders to mortgage lenders, helping trigger [more...]

Date: 2009-01-14 05:25:41

Paulson's $6 Billion Foot In The Door Play

The US Treasury continues to throw $billions around like peanut shells. Bloomberg is reporting Treasury to Buy $5 Billion GMAC Stake, Expand GM Loan ... in an e-mail.GMAC joins more than 190 regional banks, commercial lenders, insurers and credit-card issuers ... it has accepted all bonds tendered in a debt swap designed to reduce its debt load.“Once the [more...]

Date: 2008-12-30 05:04:00

Mint.com iPhone App: Putting Money in your Pocket in Time for the Holidays

We’re proud to announce that our iPhone application launched today. If you’re a Mint ... Mint.com account, sign up now. Add your bank, credit card, loans and investment accounts ... . Discover the comfort and joy of having access to your financial information anywhere, anytime — [more...]

Date: 2008-12-20 01:21:08

Bank Loan Stats: The Good, The Bad & ........

The Federal Reserve's survey of loan quality for U.S. commercial banks is in. Bottom line, it's still all about residential housing delinquencies and charge-offs, which remain ugly and are killing the banks. Surprisingly to some, credit card delinquencies and losses are holding up reasonably well, [more...]

Date: 2008-11-19 02:12:16

New York Fed Paper: Seismic Effects of the Bankruptcy Reform

Donald P. Morgan, Benjamin Iverson and Matthew Botsch of the staff of the Federal Reserve Bank of New York have published a paper titled " ... ' credit losses would be even higher at the moment if the old bankruptcy law was still in place. See also ... from credit card and auto lenders to mortgage lenders. The means test under BAR gives credit card [more...]

Date: 2009-01-12 19:22:41

Stocking Stuffer

Not a creature was stirring, not even a mouse… With the Federal Reserve cutting bank lending rates to near zero, ... and credit card debt are at anywhere from six to 20 ... tree?” My white in-laws are taller than our tree. If you’ve been capitalistic, materialistic, perhaps [more...]

Date: 2008-12-18 18:47:31

Debt Consolidation Scams - How to Protect Yourself

Donna, a single mother, owed several companies including her bank a total of $12,890 in credit card debt ... fraction), that’s a red flag for you. Beware of companies that promise to wipe out your debt today or erase ... to do something about it. Determined to become debt free “whatever it takes”, Donna contacted a debt [more...]

Date: 2009-01-08 23:55:02

Municipal ID program takes off

It took more time than it should have, but San Francisco's long anticipated ID Card program took off today ... banks and credit unions have also stated that they will accept the card to open a financial account [more...]

Date: 2009-01-15 20:48:35

Card Consolidation

They actually only run the system in the banking sector which he said could forced (when in reality) ... more benefit to fix you card. Debt Free 24 is a guide to credit card debt consolidation online. If you are experiencing credit problems, applying for a debt consolidation loan might be the right answer [more...]

Date: 2008-10-28 12:02:44

Home mailboxes are open targets for identity thieves

Connecticut Better Business Bureau has advice for securing your mail and reducing potentially “dangerous” junk mail Wallingford, CT Wallingford, ... financial responsibility Fewer than half know how to manage credit & finances...Instant business cards ... Connecticut Better Business Bureau says watch out for bank card... [more...]

Date: 2009-01-15 15:04:19

Peter Schiff vs Connie Fogal : Tarvitsemme lisää säästämistä ?

RussiaToday haastattelee.Peter Schiff oli yksi Ron Paul-kampanjan taloudellisista neuvonantajista - ja ilmeisesti Itävaltalaiskoulun yli-innokas ... (credit supply) of 800 billion dollars. Therefore, the debt owing is three times larger than the amount ... billion) is credit created by the major chartered banks as loans (mortgages, credit card loans [more...]

Date: 2009-01-13 13:04:00

Use Quicken Online Financial Services Free

by Mary Bush You can use Quicken to link all your financial accounts together. This can be done 100% online ... to more than 5,000 financial institutions. Access your banks, credit cards, paypal ... financial accounts. About the Author: Debt Consolidation Help How to Succeed in the Stock Market [more...]

Date: 2009-01-02 10:32:34

Tips for Mortgage Refinancing and Debt Consolidation

Many people discover that their credit card debt is out of control when they get their monthly bank statement ... your balance over-the-limit fees. It’s time to consider debt consolidation to save your money - credit card balance transfer, home equity loan or mortgage refinancing. One of the best ways to obtain [more...]

Date: 2009-01-08 03:48:15

US Elects First Poker Playing President in 40 Years

In a gamble hoping to improve the US situation in the global community, the American people elected Mr ... to either revoke or revise the UIGEA to allow credit card transactions from US banks to online poker ... George Bush, who signed the UIGEA into law in 2006. The last president of the United States [more...]

Date: 2009-01-15 16:01:20

Federal Reserve Proposes Rules to Implement Card Law

Sept. 29 (Bloomberg) -- The U.S. Federal Reserve proposedrules today that will end banks’ ability to apply credit-cardpayments to balances with the lowest interest rates first,implementing legislation Congress passed in May. The Fed also proposed that creditors obtain consumers’consent before charging fees for transactions that exceed creditlimits. Restrictions on lending to people under the age of 21and subprime credit-card fees were also included, the Fed saidin a statement. [more...]

Date: 2009-09-29 17:59:56

Whither Citigroup's $1.1 Trillion of Off Balance Sheet Assets?

It seems so long ago that the Treasury's failed effort to organize an SIV bail-out entity, the MLEC, ... Depression and rising home-loan, commercial-mortgage and credit-card delinquencies have begun to trigger ... U.S. banks, including Citigroup, are on the hook for at least $300 billion of credit and liquidity [more...]

Date: 2008-07-14 11:37:49

The Mission: CD Rates California, Mission Bank

Choosing a savings plan that makes sense for you and your lifestyle can be a difficult task ... , certificates of deposit, credit cards, and business, agricultural, commercial real estate, construction, residential, and consumer loans.  It also provides credit card processing services to area [more...]

Date: 2009-01-15 05:21:10

End of The Year Market Report for Charlottesville Region

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... ‘em … wait! yes he does , Auto Bailouts, Investment Banking Bailouts, Credit Card companies [more...]

Date: 2008-12-22 14:00:36

Headline News - January 14, 2009

Wall St. Journal: Bank of America to Get Billions in U.S ... AIte Group Report: U.S. Credit Unions: Seize the Opportunity Note: Throughout the day, as Payments ... Services Acquires Private Label Credit Card Program of Canadian Luxury Jeweler Birks Bank Systems [more...]

Date: 2009-01-14 13:26:41

Bonus Day!

Got my year end bonus today deposited to my bank account. SWEET! First order of business was to completely wipe out my credit card and line of credit debt. I’m on track this month to have my best absolute monthly net worth increase since I started recording [more...]

Date: 2009-01-15 18:49:31

Things I Learned When I Refinanced My Home

Some days I feel like a home refinancing expert. I’ve refinanced my home twice in the last three years to take advantage of attractive interest ... , I called my local banks, credit unions, and savings and loan companies. I also checked interest rates ... to the interest rates on many credit cards. In addition to looking for a lower interest rate, people [more...]

Date: 2009-01-15 01:31:07

Does Paulson Have Any Idea How to Spend Our $700 Billion?

Does anyone else get the funny feeling that we’re going to discover very soon that the $700 billion has been spent and no one is quite sure what it ... Express, now that it has been characterized as a bank, as well as into the credit card, auto loan [more...]

Date: 2008-11-13 21:43:44

Paris Hilton Web Site Hacked: ParisHilton.com Virus

Paris Hilton’s been infected. It was only a matter of time ... to access your computer and get bank records and credit card numbers,” Garry Scott, a spokesman [more...]

Date: 2009-01-15 02:27:13

Mobile banking is too risky in the eyes on consumers

According to a recently published report entitled “2008 Mobile Banking Security Standards” consumers are too wary of security to use their mobile ... for mobile banking transactions instead of whipping out cash or a credit card isn’t worth the risks ... program could also be put into place. Perhaps when mobile banking service providers such as Visa (whi [more...]

Date: 2008-12-31 09:24:33

Citigroup: Bowing to the Inevitable

Citigroup’s (NYSE:C) move to spin off its Smith Barney brokerage unit into a joint venture with Morgan Stanley’s (NYSE:MS) ... of operations in scores of countries, the notion that having a consumer credit card operation under a common ... some of the international banking units and transaction processing. We note that HSBC has publicly [more...]

Date: 2009-01-14 19:02:24

Commercial mortgage problems, GMAC & Indy update, Bank branch pricing strong

It was mealtime during an airline flight. “Would you like dinner?” the flight attendant asked John, seated in front. “What are my choices? ... and credit card debt. Last week GMAC received an early “Christmas present” by receiving the Federal ... private equity firms, and the hedge- fund firm Paulson & Co. Credit cards and commercial real estate [more...]

Date: 2008-12-29 13:07:42

MortgageNewsClips: On Risk Models, Dow Chart, Credit Cards and Colleges, OC Prices Off, Russian Socialism, David Merkel, Cram Downs, Buying Bonds, Bank Spreadsheet, Fannie and Indy, Mark Perry, Protect Me, 4 more, Ira 3-Fer

       Risk Modeling Section - models don’t always work! - 2 important articles: 1 ... Trap Unspoken Link Between Credit Cards and Colleges - JONATHAN D. GLATER - … Hundreds of colleges ... consumer debt —  the arrangements have sounded alarm bells, and some student groups are starting to push [more...]

Date: 2009-01-06 00:15:07

Goldman Sachs and UBS Executives Will Forgo Bonuses

One of my concerns about the original bailout bill was that the money paid to financial institutions would be used to pay for outsized executive ... that it is alright to refuse payment for horrible financial results and I hope more banks follow suit. Thanks ... Money Be Used to Forgive Credit Card Debt?: ... [more...]

Date: 2008-11-17 16:41:38

Mint.com Review: Beautiful Money Management Tool

Overall, I was very impressed with both the feature set and beauty of Mint.com ... credit card, banks, loan and investment accounts are yours. The Setup Process: After entering [more...]

Date: 2008-09-29 11:25:47

Bailout Gets More Costly Due to “Bipartisan” Deal; Foolish Limits on Foreclosure Should Be Removed

Liberal Congressional leaders have apparently reached a deal with the Bush Administration on the principal elements of a $700 billion bailout of the ... student loans, car loans, credit card debt and any other ‘troubled’ assets held by banks.” ... have stuck taxpayers with 100 percent of all losses on any bad loan or mortgage, but not the profits [more...]

Date: 2008-09-28 20:34:55

Most Popular on Consumerism Commentary: December 2008

One of the best methods of reading Consumerism Commentary and staying up-to-date with the latest articles and posts is through RSS subscription ... , November 2008 The Schwab Bank Invest First Visa Signature Credit Card (by Smithee) FNBO Direct Drops [more...]

Date: 2009-01-05 04:24:45

Why stop with capping payday loans? Banks are just as bad.

Obviously, banks have better lobbyists than payday lenders, why else can someone who has no problem charging $37 ... than $300, yet, credit card balances can be several thousand dollars. Which is worse, missing a payment on a credit card and having your interest rate go from that low intro rate of 15.9% to 29 [more...]

Date: 2008-06-07 13:02:45

How To Apply “Little and Often” To File Purging

Many of the items I keep in my filing cabinet are time sensitive ... . I keep the following documents: pay stubs, credit card statements, bank statements, health bills [more...]

Date: 2009-01-15 11:00:00

Peak Credit & What That May Mean

A: Peak credit, sounds like I hit my limit on my credit cards! I guess its kind of true. For owners of home equity lines of credit, you may have noticed a decrease in your available credit line recently. Why is that? Because credit has peaked, and is now contracting! As banks work [more...]

Date: 2008-08-04 16:55:33

How To Take The Challenge of Credit Card Debt

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:23:30

Learning to Deal with Credit Card Debts

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:26:44

2005 Bankruptcy Law Finance Industry Sought has Strangled Economy

Was the banking industry screwed over by its own bankruptcy law? It sure appears to have hurt the economy.. ... that escape route and forces better-off households to continue paying credit card debt, which makes ... .“Before the reform, overindebted households might file bankruptcy and get rid of their credit card [more...]

Date: 2009-01-14 04:35:33

Student, Car Debt Quietly Added to Bailout Plan

Jeez! This country very well may be doomed beyond hope! This is not the time to be sneaky, and push even more expenses on the taxpayers ... its bailout plan to include buying student loans, car loans, credit card debt and any other “troubled” assets ... program to foreign banks with extensive loan operations in the United States, potentially added tens [more...]

Date: 2008-09-24 02:08:02

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