Lending Club P2P: Review of New Post-SEC Changes, Free $25 Lender Bonus

Now that LendingClub has finished their SEC filing and is one of the only P2P lenders currently operating ( ... 660 with a debt-to-income ratio (excluding mortgage) below 25%. In addition, your credit history ... you get. Then you can simply compare this rate with your other options - credit cards, home equity loans [more...]

Date: 2008-12-14 14:30:58

Blog posts (133) | Videos (196)
 

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

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian business ... and score Home improvement loan maine Debt consolidation services Credit report credit score [more...]

Date: 2008-06-24 14:10:35

Should You Pay Your Credit Card Bill Late? The Answer May Surprise You

One of our readers, Jay, sent us this question about debt negotiation: My wife and I earn $145,000 per year combined but have over $600, ... card debt. Although our debt is exorbitant, we have been making real progress towards paying off debt ... -interest credit card that will soon be paid off, our interest rates are pretty manageable. After [more...]

Date: 2008-12-09 15:49:26

Membership Has Fewer Rewards

Membership Has Fewer Rewards Posted on January 13, 2009 (0) Comments For credit card-carrying Americans, the latest news from the economic crisis ... . Americans borrowed less because they had to, since credit card companies raised their interest rates [more...]

Date: 2009-01-08 15:00:32

Bailing Out American’s Credit Card Debt

We have been hearing a lot of talk lately about bail outs.  We bailed out Wall St ... collection agency than Uncle Sam. The end results ... for $16,635 in debt, excluding mortgages, according to Experian.  The average credit card interest rate [more...]

Date: 2009-01-09 08:20:46

Use the Plastic to Repair Your Credit Rating

People are always looking for the shortest path to solve their personal finance problems ... and knowledge play important roles. Repair your credit rating, get out of debt Poor or below average ... in most cases, people recklessly apply for cash advances or use credit card financing without knowing [more...]

Date: 2008-09-24 09:31:39

Tips a Home Owner Should Know Before Refinancing

by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate credit card debt at a lower interest rate. Homeowners should not consider real estate mortgage refinance as a way to pay for a vacation unless it will be your last, a new car or a boat. A good [more...]

Date: 2008-12-29 22:15:15

A Look at Peer-to-Peer Lending

In an article titled " In a Tight Market, Borrowers Turn to Peers ", Nancy Trejos writes for the Washington Post about the growth in popularity of peer-to-peer lending - noting that "analysts expect the industry to grow as customers who face rising credit card rates search for new ways to refinance their debt." [more...]

Date: 2009-09-20 15:01:40

Where Can I Find Debt Consolidation Information - And How Can I Get Started?

Millions of people find themselves in debt every year ... consolidate debt” and so forth. Depending on the state of your credit rating or credit score ... with you and your creditors to find solutions. Often a credit card company will agree to reduce the amount [more...]

Date: 2008-12-31 00:24:32

Philippine Congress Tables Proposed Credit Card Interest Rate Cap Law

While the public was distracted yesterday by the deliberations of the justice committee of the House of Representatives on the substance of the ... . They consider any balances left unpaid as unsecured loans, as opposed to other forms of consumer loans which [more...]

Date: 2008-11-26 14:12:51

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

Consumer Groups Blast Banks' Card 'Tricks'

If credit cardholders feel worse off since the passage of the law designed to protect them from banks, that's because they are. An avalanche of new fees, interest rate hikes and other costly changes since the law was signed in May suggest the Credit Card Accountability, Responsibility and Disclosure Act, or the CARD Act, has backfired. [more...]

Date: 2009-09-29 19:40:03

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

another one of those “Thailand” posts

Ok so I’m back to scheming about getting the best exchange rates for my Australian money in Thailand. Obviously, cash is always best ... advances on my credit card and then pay it back to the card pronto pronto to avoid interest charges ... , with 20,000 baht, they make 728 baht, or 3%. To compare that with regular purchases on my credit card [more...]

Date: 2009-01-16 02:29:06

Housing Good News

December 12, 2008 Here’s a piece of good news about the foreclosure mess and the overall bad housing market ... will struggle when the adustable rate (ARM) adjusts in the future. . Further good news on the credit card front – Another friend of mine fell 2 months behind on credit card payments. He had a 5 to 15 year [more...]

Date: 2008-12-13 01:52:23

You Say You Want a Regulation?

As if the economic news weren't bad enough at the moment, ... . Enter new "credit card regulations" issued by the Federal Reserve, Office of Thrift Supervision ... lenders from raising interest rates on existing balances unless a payment is received late. Credit card [more...]

Date: 2008-12-29 14:00:48

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... , come with fees and interest rate charges that are usually higher than your credit card purchases ... an emergency fund will give you peace of mind.3. Pay more than the minimum on your credit [more...]

Date: 2009-01-09 05:34:00

Top 5 ways to ease the strain on household finances

by katie George The onset of the global credit crunch across the UK last year, combined with the after effects of a series of interest rate rises, ... your debts. If you have a range of higher interest debt such as credit cards, store cards, and high ... consolidation loan, which can ease financial management as well as reduce your monthly outgoings. 2. [more...]

Date: 2008-12-15 21:12:10

Four Quick Ways to Build A Strong Credit Rating

#fullpost{display:inline;} ... of our card accounts. We can make it a goal to pay off our credit card bills in full at the end ... for a time-dependent loan, say a mortgage. The Federal Law entitles us to one FREE annual credit [more...]

Date: 2008-11-18 05:21:00

What You Should Do To Find Out About Raising Credit Rating Before You’re Left Behind

The recent rise in consumer debt has many people in this country struggling to get credit of any type, however, ... to get a loan or credit card but invariably these cost the consumer more because of their situation ... for lenders with low credit loans. What most consumers do not realize is the more often you apply [more...]

Date: 2008-11-25 14:10:28

3 Little Known Reasons To Stay Away From Debt Consolidation Loans

A debt consolidation loan is often said to be a good way to reduce your debt. The common theory is that you can lower your interest rate, particularly if you’re consolidating credit card debt, and wind up with a smaller payment. This theoretically lets you get the debt paid [more...]

Date: 2008-08-26 20:52:46

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

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]

Date: 2009-01-15 08:38:53

FreeCreditReports360 US

Ratings For This Site Rating: ★★★★★ About This Site What is a Credit Score? ... that measure many variables in your credit report such as payment history, public records, and debt ... out your creditworthiness before you: * Apply for a loan * Buy a car * Apply for a credit card * Apply [more...]

Date: 2009-01-07 02:28:54

fix your finances, save money – step 2

Breaking through the wall. In the middle of the Olympics, I thought it would be a good idea to issue a personal finance challenge, ... to pay less for the same service. debt repayment Option 1: If you have a credit card that you’re ... 1 Otherwise, if your debt is large-ish (a few thousand and up) and you have a good credit rating, it may [more...]

Date: 2008-08-21 12:00:46

2008's Best of FIRE Finance

#fullpost{display:inline;} ... Credit Cards» Four Quick Ways to Build A Strong Credit Rating» Risks Of Cash Advances And Payday Loans [more...]

Date: 2008-12-31 04:59:00

How Debt Consolidation Can Help Get Your Debt Paid Off

by William Blake Many people opt to get rid of their accumulated debt by recurring to what is referred to as debt consolidation ... you, then it is a good deal. Another option to consolidate your debt, most effective if you have several credit ... rate and transfer all of your debt to that card. You will save a lot of money on interest [more...]

Date: 2008-11-23 14:32:25

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

Set It and Forget It: Extra Modest 15-Week Payment Plan

In an effort to boost my savings rate more rapidly, I’ve set-up a payment plan that will pay down the $1500 credit card convenience check I wrote ... for months and months. This way, by November 21st, the credit card balance will be back to zero [more...]

Date: 2008-08-14 11:49:58

Thursday morning links

TOP STORIES GDP falls 0.3% in third quarter on dive in spending - MarketWatch World markets cheer Fed rate cut - AP Bernanke makes it official ... as U.S. dollar falls - Canadian Press Credit card borrowing reaches record levels as consumers turn to plastic ... . We are Japan. - MarketWatch Greenspan Slept as Off-Balance-Sheet Toxic Debt Evaded Scrutiny [more...]

Date: 2008-10-30 12:42:00

Stop Home Foreclosure Now By Applying These Steps

High foreclosure rates are a sad measure of the condition of our economy ... . Credit Card companies will often reduce your minimum monthly payment. Mortgage lenders can make a loan modification that can make your mortgage terms more affordable. Find a foreclosure specialist [more...]

Date: 2009-01-12 09:34:41

Debt Management Programs– best way to get out of debt.

A debt management program collectively takes all the loans of various amount and interest rates and forms into a new loan which is released to you. After that, only a single installment is required to be paid every month on a fixed rate of interest. This process is known as debt consolidation. Usually, debtors opt for bill consolidation scheme from the fear of bankruptcy. The problem originates with the use of many credit cards or taking multiple loans from various banks for personal or investment purposes. [more...]

Date: 2009-09-08 05:51:11

Kevin Drum — Why Can’t We Have It All?

Kevin Drum is looking at the benefits of massive fiscal stimulus as well as tax cuts… And he wonders why we don’t do both? Stimulus spending can ( ... than they are today. Likewise, it will be helped along if consumers have paid down some of that credit card debt and put a few dollars aside. Right? We can’t keep running a negative savings rate [more...]

Date: 2009-01-12 21:07:07

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

consolidate debt and climb out from underneath your bills

It’s really sad when I get gas for $2.82 a gallon and think, “Gee, that’s cheap! ... credit card bills need to consider debt consolidation to lower payments or cut interest rates. Creditors ... their costs down as well! Bills.com has a neat debt consolidation center that will help you figure [more...]

Date: 2008-10-22 22:54:11

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Morning Buzz: Monday 12.15.08

There's been enough rain from this storm that the Sepulveda Basin in the Valley was closed as a precaution. DN Metro will unveil today the new TAP rechargeable transit card. Wires Dean Singleton says there will be no bankruptcy for MediaNews though its credit rating has dropped far below investment grade [more...]

Date: 2008-12-15 16:48:15

california home loan mortgage second

Your kids are growing and your house is getting smaller. Thinking big? ... . You won’t regret it. You don’t need any equity, and this loan program will actually allow ... offered with a fixed interest rate for 15, 20 or 25 year repayment terms. If you have credit card [more...]

Date: 2009-01-14 05:07:26

A Consolidation Loan Is Not For Everyone - Is It For You?

by Jeffery Williams If you are among the many individual struggling with debt there are a lot of companies who provide consolidation services ... is better then credit card debt negotiation however each situation is different. ... , debt consolidation can also provide a lower interest rate plus the length of the loan may [more...]

Date: 2008-09-23 17:16:24

Reasons to Refinance Your Mortgage

Image courtesy of Notionscapital.comThe rates on a 30 year home loan have recently fallen to record lows; and will possibly fall even further ... account or help you pay off your credit card debt a lot faster.Low Cost. If you are one of those ... the process to refinance their loan.Even though the current rate may be lower than what you are paying [more...]

Date: 2008-12-29 11:15:00

Flat is the new up!

rich, just like it didn’t stop Donald Trump. Instead, it should make you adjust how you control your finances ... : Pay off your debt – list out every penny you owe and the interest rate next to it. Chances ... from the bank. So instead of making the minimum payment on your credit cards each month, pay them off. Spend [more...]

Date: 2008-12-09 04:01:41

World Peace threatened by queers: Pope

VATICAN CITY (RNS) Nuclear arms proliferation, environmental pollution and economic inequality are threats to world peace — but so are abortion, ... and display it.Aspire credit card customer service Advance cash loan payday Consolidation debt five free in Washington mutual home equity loan Low rate home equity loan Washington mutual home [more...]

Date: 2008-07-03 08:49:09

Indian Stock markets: Questions and answers

Stock markets made a strong rally on low volumes due to stimulus packages and rate cut rumours ... what will happen in the next 6 months. Credit card crisis already started in USA. Microsoft will lay [more...]

Date: 2009-01-02 06:19:00

Goal Setting: Getting Out of Debt Once and For All

By Nora Dunn It is easy enough to say that you have a goal of being debt free in “x” months or years ... out her credit card and dig an even deeper hole of debt in the name of “treating” herself ... are? A friend of mine has gads and gads of consumer debt – the worst kind, with high interest rates [more...]

Date: 2008-12-16 21:11:59

Fed Slashes U.S. Interest Rate To Basically Zero

Wasn’t the Fed supposed to cut rates in half today, from 1 percent to 0 ... income” no-doc teaser-rate reverse-equity 105% loans that enabled Juan Drywallhanger and his old lady ... $40,000 per year and already buried in credit-card and SUV debt. So, now that grand era can return again [more...]

Date: 2008-12-16 20:54:35

Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09

Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]

Date: 2009-01-07 16:31:45

One Million Use Credit Cards for Mortgage or Rent - UK

According to housing and homelessness charity Shelter, about 85% of the UK’s £1.4 trillion personal debt is secured against property. The good thing with secured debts, of course, is that they normally come with a lower APR (Annual Percentage Rate) than unsecured debts. Nonetheless, a mortgage is by far the biggest debt most [more...]

Date: 2009-01-15 18:34:40

So You Think You Can Dance Winner Is Joshua Allen

Security Warning: Facebook and MySpace Soiled With Scams Obama Threatener Raymond Hunter Geisel In Custody How to Repair “White Apple Logo Screen of Death” in iPhones Merrill Lynch and Citigroup Agree To Buy Back Auction-Rate Bonds How to get free custom ringtones for your iPhone 3G What You Can Learn from the TJX Credit Card Mess Researcher [more...]

Date: 2008-08-08 04:33:07

822 - Why Don’t You Find Out For Yourself

822 - Why Don’t You Find Out For Yourself By admin | January 15, 2009 Submitted by The Daily Photography of Andreas Manessinger Blog OK, I can post again. Maybe the police can now read all my passwords, use my credit card ... , from his recent tour. I like both, but the latter is nearer to my heart. Rating 3.00 out of 5 ? Topics [more...]

Date: 2009-01-15 20:47:23

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