Words from the (Investment) Wise (Sept. 27, 2009)
After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]
Date: 2009-09-27 14:33:29
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What is a Cosigner?
A person who is allowed to legally sign loan papers or documentation with another person who is having difficulty for obtaining a loan, or sometimes getting a lease for an apartment or rental unit is referred to as a cosigner . Being a cosigner, the person makes a legal agreement that he or she would be jointly responsible for repayment of the loan if the first signer fail to pay debts in a timely fashion. [more...]
Date: 2009-09-27 17:00:15
The Exit Interview, Cheap Party Foods, Real Estate and Mortgage Topics
Lots off folks are still “off” right now. I’m still on some kind of semi-break from the online world as we continue to entertain our guests over the ... Claims Reached 26-Year High - Char of The Day My Dollar Plan: Adventures in Digging Taking Charge Credit Card: Chinese university exploits students, regrets nothing MoneyNing: Six Step Guide to [more...]
Date: 2008-12-29 07:09:55
Bad credit loans: civilizing bad debt condition
Credit runs in to a lives and has outcome on roughly each preference we make. Bad credit runs in a credit focus and has goods on each loan we borrow. A recent consult has shown that a single fifth of a adult race cannot validate for unchanging loans. For such a outrageous loan borrowing race there have been specific loan programmes called bad credit loans. With bad credit loans we can steal loan amounts of a likes of 5000-75,000. Repayment tenure will change from 5-25 years. [more...]
Date: 2009-09-28 15:22:42
Discover How To Make The Best Deals With Original Creditors
By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]
Date: 2009-09-29 01:02:09
Reinventing America
America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]
Date: 2009-01-13 09:40:59
Words from the (investment) wise for the week that was (September 21 – 27, 2009)
After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]
Date: 2009-09-27 07:51:48
Words from the (investment) wise for the week that was (September 21 – 27, 2009)
After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]
Date: 2009-09-27 07:51:48
Wall Street Breakfast: Must-Know News
Chugging along towards a bailout. After multiple false starts, sources say an auto bailout could be unveiled today that would see General Motors ( ... through their credit arms, GMAC (GKM) and Chrysler Financial. Yes We Can (fix the economy)! President ... potentially lowering General Electric's (GE) AAA credit rating, sending shares down 8.2%. The [more...]
Date: 2008-12-19 12:18:35
What is 529 Plan
A college savings investment plan that offers significant tax breaks for its beneficiaries is referred to as a 529 plan . The 529 plan is so named after Section 529 of the Internal Revenue Service (IRS) US federal tax code. There are many advantages of this savings plan and it has become a popular way to save money for a child’s education. State tax code effects 529 plan State tax code may affect the 529 plan, and in each state differences will takes place. [more...]
Date: 2009-09-27 13:00:02
Credit Cards Dealing With Bankruptcy
by John Steed When a person or organization or institution files for bankruptcy, it is not always because they are unable to pay their creditors ... . The commonest of these are the institutions that offer credit card facilities. The advantage of going ... from giving credit. Most of them may have experts who can assess the ability of any debtor to pay [more...]
Date: 2009-01-14 20:27:17
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 ... ."The measures under consideration include direct purchases of assets, such as government debt ... lending settlement deal.Countrywide and its Bank of America parent would be liable to pay hundreds [more...]
Date: 2008-12-07 08:57:00
The Alternate Finance Crisis Glossary
The BBC website has just posted a rather good glossary of terms that've cropped up a lot in coverage of the Continuing Financial Crisis From Hell ... . Contrast with liabilities, which sit in the left-hand column. Hence the saying "the problem ... . Chapter 11 What companies do when it all becomes too much to handle. Collateralised debt obligation [more...]
Date: 2009-01-13 10:36:38
can i still file bankruptcy on my mortgage and keep my home and …
i am a month behind right now and have plenty of credit card debt and was hit with child support for a child for which the judge wont allow a dna test for.what.View original post here: can i still file bankruptcy on my mortgage and keep my home and … This entry was posted on Sunday, September 27th, 2009 at 3:00 pm and is filed under mortgage. You can feed this entry. You can leave a response, or trackback from your own site. [more...]
Date: 2009-09-27 20:00:25
The Poverty Business
Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]
Date: 2009-01-15 00:45:24
Something has to Change
This summer we squeaked our way through our normal and expected financial crunch. It is never fun, but it is expected ... , you can guess where we took many of these hits; in our credit card balances. I spent the months before ... this life style, but the lack of progress to getting out of debt is downright disheartening [more...]
Date: 2009-01-12 12:00:01
ECONOMIC SNAPSHOT: JANUARY 2009
According to the Center For American Progress, the U.S. economy is experiencing its worst recession in decades. Jobs and wealth are falling at a rapid pace, driving families more quickly into default, foreclosure, and bankruptcy. This crisis is precipitated by a sharp drop in consumer spending, as well [more...]
Date: 2009-01-14 03:19:00
How to Avoid a Lawsuit From a Collection Agency
The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]
Date: 2009-01-14 19:53:56
Investors May Be Too Optimistic About Consumer Recovery
The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... , the somewhat in debt and the chronically indebted. Indeed, in the stone ages of the 1980s, banks were really [more...]
Date: 2008-12-14 06:10:36
Avoiding Bankruptcy
Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]
Date: 2009-01-16 02:11:52
Debt consolidation Best
In order to run our lives peacefully we require money. We cannot earn money through simple means nowadays. We have to struggle a lot to earn money ... . Most of the people face difficulties due to credit cards. For Credit card Consolidation, you must move towards Really Great Rate. They are rendering lots of debt consolidation services [more...]
Date: 2009-01-11 15:10:08
Gates of Vienna News Feed 1/8/2009
The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]
Date: 2009-01-09 04:49:00
Government Intervention in Foreclosure
This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire legal counsel. Call your local state bar association for a referral. Reduced or free legal aid may be available in some states [more...]
Date: 2009-01-07 07:00:13
Do NOT Shred it and Forget it!
Public relations people often pitch products to bloggers like me. Most PR pitches tout harmless products, which I ignore. Until now. Today a PR company sent me a ridiculous and financially harmful message. These PR people want you to shred your unpaid credit card statements to ignore creditors, to hide consumer debt [more...]
Date: 2008-12-13 08:05:49
Student Loan Default: How to Deal with It
by William Blake The Department of Education has many different avenues with which it works hard to get money back from individuals whose student loan payments have turned into student loan default. Defaulting on a federal student loan can become such a costly event that it often becomes more expensive than an individual’s original student loans [more...]
Date: 2009-01-15 12:05:44
Предсказания Кюнстлера на 2009 - США, Нефть, Геополитика, Путин
Спонсор месяца - #1 RX pharmacy affiliate program!Сайт дня (как попасть) - http://www.business-magazine.ru/There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) [more...]
Date: 2009-01-01 07:59:00
Legal Helpers vs Transforming Debt Into Wealth Course - A review of two popular debt elimination programs
Transforming Debt Into Wealth Review A person deep in difficult financial situation and is desperate for a solution tends to grab the first ... elimination. In his program called “Transforming Debt Into Wealth” he will teach you to focus ... their exclusive services to help people get out of their debt. Depending on the type and amount of debt [more...]
Date: 2009-01-15 07:35:31
The denial show
Canadian Press NewsAlert (Nortel) Source: The Associated Press Jan 14, 2009 8:45NEW YORK _ Canadian telecom giant Nortel Networks (TSX:NT) files for bankruptcy protection in U.S. court, shares halted. As I suggested would ... to be leading, not misleading. Nothing will be made better by tricking people into taking on new debt [more...]
Date: 2009-01-14 03:33:31
YOUR TOP TEN CONGRESSIONAL HITS, coming to your neighborhood shortly, is the plan (stolen from Tapped): * S ... mortgages by bankruptcy judges, new regulations for the credit card and financial industry ... interference") and perhaps another go at the Ledbetter law ("removing barriers to fair pay for all workers [more...]
Date: 2009-01-11 20:47:59
Forecast for 2009
Introduction There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) is that our problems of finance and economy will self-correct and allow the project of a "consumer" economy to resume in "growth" mode [more...]
Date: 2008-12-29 03:33:57
Ask the M-Network: What to do if you’re deep in debt
Last week the M-Network rolled out a new feature: Ask the M-Network. This week, we’re going to answer a question about debt from one of my readers ... to know if this is credit card debt or some other debt - there is a big difference. If credit card debt, then you might want to think about going to a consolidation company who can work on your behalf [more...]
Date: 2009-01-14 12:00:07
Financial Forecast for 2009, Considering Resource Limitations
In this post, I consider some major issues contributing to our current financial problems, before making a financial forecast for 2009. These are 1 ... from the bottom: Layer 1. Household Debt (Mortgages, auto loans, credit card debt, student loans ... debt-based financial system operating. 3. Where we are now, and the role reduced resources [more...]
Date: 2009-01-06 15:10:32
Better Personal Finance Tips
Have you ever wondered why some people seem so financially sound? You might be surprised at the simple things you can do to be just like them ... to personal finance. Personal finance includes focuses like budgeting, retirement, savings and debt management ... people fail to budget and therefore they end up in debt and in financial trouble. People often [more...]
Date: 2009-01-15 10:00:30
Cavalcade of Risk #69: Risk Management and Uncertainty Quotes
It’s the Cavalcade of Risk, the first of 2009! It’s issue #69… and I figured any theme based on the issue number would be far too risky for this ... decision is wrong when it was taken too late. Lee Iacocca 1924-, Father of the Ford Mustang and CEO ... Makes Sense posted at Personal Finance Analyst. Credit Card Assist presents Is Credit Card Insurance [more...]
Date: 2009-01-14 19:22:15
by Dr. Ellen Hodgson Brown featured writerDandelion SaladEllen’s post Jan 3, 2009webofdebt.com Cartoon in the New Yorker: A gun-toting man with large dark glasses, large hat pulled down, stands in front of a bank teller, who is reading a demand note. It says, “Give me all the money in my account [more...]
Date: 2009-01-03 17:24:55
Get Out of Debt Fast With The Ultimate Debt Guide
by Ash Ford The Ultimate Debt Guide is a system that uncovers how you can become debt free without signing up to a long-term debt relief plan or ... . What are you looking for? Is it authoritative information on debt consolidation? debt consolidation loans? credit ... into debt and be overwhelmed with credit cards, loans, mortgages, car payments etc. [more...]
Date: 2009-01-15 02:49:47
December 2008 - Net Worth Update and Personal Finance Status
Honestly, I’m starting to regret posting my financial numbers online for all to see ... relationships I feel. Just a few days ago my brother asked me to contribute to his law school tuition fund. He’s currently working full time and juggling evening law school classes. His federal [more...]
Date: 2008-12-20 02:54:38
Are California’s Muni Bonds Golden?
Here is an opportunistic view of California’s fiscal difficulties ... state. The “general obligation” (or full faith and credit) bonds now yield about three times as much ... Bill Lockyer, I had to ask: Is California public debt completely safe? Absolutely, he replied. “ [more...]
Date: 2009-01-14 00:11:54
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 ... of bankruptcy protection has given the green light to lenders to attach penalties and fees onto debt without ... to discharge in bankruptcy for the past decade. The federal guarantee on these loans was used as the reason [more...]
Date: 2009-01-11 01:14:50
Personal Finance - Digging Yourself Out of Debt
Excessive consumer debt can be a prison, holding you captive to past financial decisions and overspending ... are true, you have a consumer debt problem: You have little or no savings and are at your limit ... and dreams. In addition to living an all-around frugal lifestyle, the following steps help you get debt [more...]
Date: 2009-01-15 21:23:35
Transcript: President George W. Bush at American Enterprise Institute, Includes Q&A | December 18, 2008
(Source: White House Press Office) 10:44 A.M. EST MR. DeMUTH: Mr. President, what’s on your mind this morning? THE PRESIDENT: First, thanking you for being the leader that you’ve been, and thanking AEI for generating good thought. People in the public arena need to have support for philosophy — and that’s what you provide, [more...]
Date: 2008-12-18 20:43:07
Have a Credit Card Debt Management Plan
People who are new to the world of credit cards mostly do not know the consequences that might arise from excessive use of their credit cards ... you owe. This settlement would therefore, cover the entire debt you owe, and in turn also cancel out the remaining portion of the debt. The amount stated on the settlement would be more suited [more...]
Date: 2009-01-13 01:43:28
Living Lean
The Background I’ve been reading Dave Ramsey’s Total Money Makeover. Mr ... card debt. Does any of that surprise you? The book inspired my husband and I to get our “ ... . Ramsey shares these statistics in his book: -19% of people who declared bankruptcy in 2002 were [more...]
Date: 2009-01-15 13:00:54
Economic Potpourri December 27, 2008
The barrage of noteworthy economic news continues through the holiday season ... or more weeks ago, had been counting on post-Christmas sales to help rescue what will probably ... - and credit-constrained than ever before. After a 25-year spending tsunami, they’ve shifted from spending [more...]
Date: 2008-12-27 22:24:00
A Guide to Debt Elimination:Deudas
What is debt elimination? Debt elimination is the process of getting your outstanding debts under control and then avoiding getting into debt in the ... , housing and credit card debt crisis, a lot of financial companies in the country are offering different ... future. If you are in debt right now then you should know that it is really destroying your [more...]
Date: 2009-01-11 17:45:18
Best Personal Finance Articles From The Digerati Life: 2008 Wrap Up
As we await for the year to turn, I thought to do a little wrap up of the stuff we’ve published here in 2008. I realized after I looked through some of these articles that I tend to write novels at times, but if you don’t mind in-depth ramblings, then these posts may be of interest to you [more...]
Date: 2009-01-01 00:00:06
Debt Elimination Tips: How To Reduce Debt With These Do’s and Don’ts
My own debt elimination tips and thoughts on how to reduce debt. I’ve learned from my mistakes so I hope you do as I say, not as I did. In the mid- to late-’90’s, I made accumulating credit card debt something of a hobby. It wasn’ ... , by the end of 1998 I had nearly $25,000 in debt and not a darn thing to show for it. I knew I needed [more...]
Date: 2008-12-12 23:58:35
DrumBeat: December 14, 2008
Global oil supply will peak in 2020, says energy agency Global oil production will peak much earlier than expected amid a collapse in petroleum investment due to the credit crunch, one of the world's foremost experts has revealed. Fatih Birol, chief economist to the International Energy Agency, told the Guardian that conventional crude [more...]
Date: 2008-12-14 14:06:53
Debt Collectors Are Facing Reality
dreamstimefree_17571302 Are debt collectors starting to face reality when it comes to payment of overdue bills? ... percent to 70 percent of a person’s total credit card debt. After many instances of collection abuse ... to cover their bills in a declining economy. The New York Times reported lenders and debt collectors [more...]
Date: 2009-01-15 15:16:33
Getting to Know Kevin at No Debt Plan
I got a chance to ask a fellow blogger a few questions the past few days and I want to share them with you! Enjoy! ... now is our mortgage and my deferred student loans. We pay off our credit cards every month and have no other debt ... No Debt Plan is about getting and staying out of debt with a plan. Kevin, the author [more...]
Date: 2009-01-03 14:00:35
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