Turning Attention to Christmas Bills
When I was a kid I remember being so depressed the day after Christmas, knowing Santa would not make a return trip for some 364 days ... and pen, and listing each of your credit cards. Update each card’s balance with current information ... -in-law” syndrome. The symptoms include overspending around the holidays in an effort to impress [more...]
Date: 2008-12-26 14:07:19
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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
Census Worker Hanged
Terror probe widens…Kennedy law approved…Census worker hanged … – Reiten Television KXMB Bismarck AP NEW YORK (AP) The government has intensified its investigation of a possible terrorism plot involving an alleged al-Qaida associate. …. Census Worker Hanged – Suomen Kuvalehti In this undated 2008 photo, Bill Sparkman speaks to a 7th grade class during a lesson about sound waves. A law enforcement official says Sparkman, …. [more...]
Date: 2009-09-24 17:07:03
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
“I did see that Tina Fey was named entertainer of the year and Katie Couric’s ratings have risen. And I know that a lot of people are capitalizing on, oh I don’t know, perhaps some exploiting that was done via me, my family, my administration. That’s a little bit perplexing, but it also says a great deal about our society [more...]
Date: 2009-01-13 12:37:59
“Cooling Off” and other tips for Overspending: Learning to Value Your Money
Throughout the United States, there are counties and states that have a mandatory 5-7 day waiting period for purchasing a handgun ... dangerous” in a mall. ”Me, a credit card, and a mall do not mix well”, she said jokingly. After helping ... . One of the major premises behind this law is that it will give the applicant a possibly needed [more...]
Date: 2009-01-14 04:20:00
Guilty By Association
Many years ago, I used to run my sites out of an office building in an industrial part of Richmond. There were two other tenants in the building. One was an auto repair shop. The other was a drug dealer who used his unit to make illegal ... of association. The commentators asked me how many people I know who never run a Credit Card balance [more...]
Date: 2009-01-04 23:45:11
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
Grab Life By the Disco Balls and Dance
This is my one and only life, and its a great and terrible and short and endless thing, and none of us come out of it alive. – Holly – P.S. I Love You The above movie is one of the most profound I have ever seen I think. It is one of those movies that teaches and inspires you as much as it entertains you. From the opening seen when Holly and Gerry are fighting I recognized that this Holly chick and I have a lot in common. [more...]
Date: 2009-09-29 16:52:47
The Secrets behind the FICO Score
by Ty Crandall Your credit score is the most important number in your life. How much you pay for car and health insurance, car payments, your rent and mortgage payments, house utilities, and even whether you get hired for a job or not, are ALL based on your credit profile and credit score. This article will help you understand each component of your total credit score. For more details on your credit score you can see this article and more at www.PerfectCreditFast.com. [more...]
Date: 2009-09-28 13:26:56
Money 101 for screenwriters
Most of the questions I answer on this site are from readers who hope to become professional screenwriters. A small percentage of these readers will succeed, and suddenly face a new category of questions about What Happens Next. Having watched former assistants and other young writers cross the line into professional work, [more...]
Date: 2008-12-18 19:02:50
Merry Christmas
by Bill Levinson (originally posted in 2007) Recent efforts to downplay Christmas range from retail stores that forbid their employees to mention the holiday to legal efforts to remove creches and other Christmas symbols from public places. While we understand the desire to avoid offending non-Christians with these displays, [more...]
Date: 2008-12-25 20:06:53
Joe Francis is a Douchebag
This past few years has be a time of invasion in this country. An invasion of douchebags. Sure, we have always had a fair share, but nothing like lately. Just go to any club and check out the number of men sporting spray on tans, mouse and gold chains. And of course they all wear perfume (Axe is perfume, deal with it) [more...]
Date: 2009-01-08 07:28:59
Fix Bad Credit
by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]
Date: 2009-01-14 19:07:31
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
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 ... from customers. But how much more are the credit card issuers making due to the tremendous drop in funding ... . The story is based on a study by law firm Morrison & Forester which concluded that banks [more...]
Date: 2008-12-15 01:59:42
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
Key Bank's "One-Two Punch"
Last week, we described how Key Bank has partnered with dozens of unlicensed and unaccredited trade schools to help thousands of students take on ... . Key Bank has apparently been able to avoid forgiving borrower debt at these defunct schools ... discharging borrowers' debt has been to intentionally disregard the U.S. Federal Trade Commission's [more...]
Date: 2008-12-17 20:20:04
Battle of the Titans
For those of you that prepare yourselves, the OPPORTUNITIES will be abundant and limitless; for those that don't it could be a very difficult period ... as they BELIEVE they have the ability to print money and create credit out of thin air endlessly. In reality ... to print wealth through monetary and asset inflation for decades. The first law the G7 is [more...]
Date: 2009-01-15 00:00:37
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 ... that’s a target. That’s not a restriction. The bond holders taking equity instead of debt — that’ [more...]
Date: 2008-12-21 20:13:21
Love Them or Hate Them, Make the Most of Gift Cards this Holiday Season
Today’s guest post comes from PT, who writes at Prime Time Money: a site dedicated to helping you save more money, get out of debt, ... out gift cards, check out these tips: Choosing Between Generic Card or Store Brand Cards There are two basic categories when it comes to gift cards. Those that are basically like a prepaid credit [more...]
Date: 2008-12-04 11:00:26
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
The Importance of Repairing Your Credit Report - Yourself!
It seems to be common knowledge today that we are living in a society overwhelmed with debt ... ! Typically it does nothing more then raise red flags at the collection agency’s and can even make it nearly impossible in the future for you to try to re-dispute an item on your own. Collection Agency’ [more...]
Date: 2009-01-15 01:44:04
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
Mama Always Said
I like to muse about the family gatherings which will take place when I have passed into eternity. I think about my grown children gathering over food, discussing politics and the weather, dandling my grand- and great-grandchildren on their knees. From my own experience at family reunions, [more...]
Date: 2008-12-31 07:02:04
Crafty Creditors Are Making Changes
This is a guest post from Tisha Tolar is a freelance writer providing content for CreditCardAssist ... . By today’s standards, a good customer can simply be late paying a debt other than the credit card ... and charges to accumulate, leaving you in even greater debt. Credit card companies rely on the fact [more...]
Date: 2009-01-14 13:10:23
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
Dodd Credit Card Bill
I generally like Chris Dodd's instincts on economic issues -- he made a point of opposing the 2004 Bankruptcy Bill at the same time that Senator ... have become the standard operating procedure for many in the credit card industry. As a result, American ... the Credit Card Accountability, Responsibility and Disclosure Act when the Congress reconvenes [more...]
Date: 2009-01-07 19:22:35
Cheap is the new black
From the Wall Street Journal: Hard-Hit Families Finally Start Saving, Aggravating Nation’s Economic Woes Rick and Noreen Capp recently reduced their credit-card debt ... s what economists call the “paradox of thrift.” U.S. household debt, which has been growing steadily since [more...]
Date: 2009-01-06 11:35:39
The college scam
It's actually worse than you probably think:Hickey got caught in an increasingly common trap in the nation's $85-billion student loan market. She borrowed heavily, presuming that all her debt was part of the federal student loan program ... of the student loan market. Private loans have no relation to the federal loan program, with one exception [more...]
Date: 2008-12-31 14:00:00
Philippine Fair Debt Collection Practices Act
Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in ... Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices ... : There is abundant evidence of the widespread use of abusinve, deceptive, and unfair debt colle [more...]
Date: 2008-11-26 22:43:50
Weekly Round Up: Support Your Friends
zebra-friends Weekly Round Up: Support Your Friends Photo Credit: angela7dreams Another week has flown by and I’m happy it’s Saturday ... ! Investing for early retirement - Part 1 Credit Card Companies Adjusting Credit Limits Based On Where You Shop A Plan to Be Debt Free in 2009 I have a new 0% credit card Frugality and Binge Buying [more...]
Date: 2009-01-08 02:09:44
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
Bernanke's Speech (Or we are all AIG)
The Crisis and the Policy ResponseFor almost a year and a half the global financial system has been under extraordinary stress--stress that has now ... confidence in credit markets. However, although the subprime debacle triggered the crisis, the developments in the U.S. mortgage market were only one aspect of a much larger and more encompassing credit [more...]
Date: 2009-01-13 13:06:00
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
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
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
Credit Repair After Bankruptcy
by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... a new revolving line of credit such as a credit card. This will help you build some positive credit ... of available credit to debt. It may not be the most ethical [more...]
Date: 2009-01-07 23:54:48
Some Little Real Estate Empires Are Crumbling
A report from the Oregonian. “Southeast Francesca Lane cuts up and around a hillside to reveal the boom-time promise of Happy Valley circa 2006. Young families rolled in to snap up $600,000, stone-fronted homes with Mount Hood views. Francesca Lane circa 2008 isn’t dreamy any longer [more...]
Date: 2008-12-08 20:46:33
Prevent Identity Theft From Happening to You
What is Identity Theft? It is the theft of your personal information, such as social security number, driver’s license number, credit card and bank account numbers, mother’s maiden name, and more, with the intent to obtain credit and credit cards from banks and retailers, steal money from the victim’s existing accounts, apply for loans, [more...]
Date: 2009-01-15 13:42:35
Be Careful Which Gift Cards You Buy!
Yesterday I wrote about the pros and cons of giving gift cards and gift certificates as gifts ... , and I can certainly understand why. But this holiday season gift card buyers need to be a little more careful ... , many stores are closing select locations, or shutting down for good. Stores close, gift card holders [more...]
Date: 2008-12-05 13:03:51
News and Commentary
Children Heavily Represented Among 917 Dead, Say Officialsby Michael Jansen - Irish Times / Common DreamsHealth officials in Gaza said yesterday that the Palestinian death toll since Israel began its offensive against the Strip on December 27th had reached 917 and the number of wounded 4,100 [more...]
Date: 2009-01-14 08:42:00
Premiers to press Harper for infrastructure boost
“We want to get those shovels in the ground sooner rather than later,” Ontario Premier Dalton McGuinty said. “We don’t want the recession to be over by the time we get infrastructure dollars spent.” Indeed, that would be disastrous. But, hey, money grows on trees, right? Spend away [more...]
Date: 2009-01-15 20:12:27
Federal Tax Brackets & Law Changes For 2009.
So what changes do we have in store for the 2009 tax year? Each and every year there are small changes to the ridiculously large tax code, but most of them will not effect the average taxpayer. However, there are some that definitely will, so I went looking to see what they are…and here is what I found out: The Income Tax Brackets Have Changed [more...]
Date: 2009-01-14 14:00:47
Economic Potpourri December 20, 2008
The barrage of noteworthy economic news continues unabated. Here are a few headline news reports of interest from the past couple days.Legg Mason to Add Miller to All Cap Fund Manager TeamBill Miller, the Legg Mason Inc. money manager whose two funds have each lost more than half their value this year, [more...]
Date: 2008-12-21 01:05:00
Rich Blog, Poor Blog
Last night I was watching NOW, featuring Harvard law professor and TPM guest writer Elizabeth Warren, ... History of the Credit Card." And do check out the full Elizabeth Warren interview. It reminded ... that was 'insuring' my credit card, charging a moderate fraction of the balance so that in the event I lost [more...]
Date: 2009-01-03 10:31:45
Erase Bad Credit
by John Cooper If you have bad credit there is hope ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account. Recent [more...]
Date: 2009-01-14 18:52:30
Herman Daly: The Disconnection Between Financial Assets and Real Asssets
This is a repost of Herman Daly's comments on the credit crisis from October 13 of this year. The original post and comments can be viewed here ... . This is because the debt is worth much less, not because there is not enough money or credit ... on it in the amount of future debt. The value of present real wealth is no longer sufficient to serve [more...]
Date: 2008-12-25 18:07:03
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