Researching A Refinance
Refinance now, secure your future! When the Fed dropped its target federal funds rate to 0.00% - 0.25%, one of the other things it said was that it would be buying up long term debt. This, coupled ... like we’ve hit that sweet spot to at least warrant investigation. Our Mortgage Situation My current [more...]
Date: 2008-12-22 14:43:01
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IRS Help for Taxpayers Owing Back Taxes
If you currently owe the IRS and are having trouble making payments due to your current financial condition, there may be relief for you from the IRS. While they won't forgive the debt, they will make ... with an installment agreement in place. They may be allowed to miss a payment or even reduce [more...]
Date: 2009-01-10 17:19:13
Five alternatives to 0% yield U.S. treasuries
By Xin Lu This week the 4 week T-bill rate was driven down to 0% and the demand for these treasuries was astounding ... with yields higher than 0%. The Fatwallet forums maintains a good list of the current rates ... above 2% and they are FDIC insured up to $250,000 per account. 4. Pay off debt - Instead of buying [more...]
Date: 2008-12-12 01:10:37
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
Sirius: NY Times Piece Paints Grim Picture of Debt Troubles
Sirius: NY Times Piece Paints Grim Picture of Debt Troubles Posted by Tiernan Ray Today’s New York Times (NYT) ... as it tries to refinance almost $1 billion in debt coming due next year, including $193.5 million ... , who is philosophical about the difficulties of refinancing in the current environment. As Karmazin concedes [more...]
Date: 2008-12-29 12:00:00
Three Bizarre Reasons You Might Need a Fast $5,000 Signature Loan
by Mark Matthews The winters in my state are especially heavy, and if it snows too much for too long, ... 32″ low def right? Your current TV is a party killer for sure, and there’s only one solution ... in their checking account. Going into debt is never the ideal scenario - and these three situations are totally [more...]
Date: 2009-01-14 20:49:21
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
Bailout Mania As Miracle No Diet, No Exercise Weight Loss Drugs
Peter Schiff, writing in the Wall Street Journal, aptly describes our policymakers’ current fascination with bailouts as a desire for a pain-free ... avoidance. Individuals, companies or cities with heavy debt and shrinking revenues instinctively know that they must reduce spending, tighten their belts, pay down debt and live within their means [more...]
Date: 2008-12-28 05:20:42
Government Binge Spending
As Washington’s attention has been focused on trillions of dollars in fixes for the current economic meltdown, ... the U.S. Treasury. By 2050, Medicare, Social Security and other costly programs will expand the national debt [more...]
Date: 2008-12-17 21:18:57
Stress Will Make You Fat
New research, conducted by German researchers at the University of Mainz, shows a link between obesity and indebtedness – and the link is becoming even stronger as the current global economic crises continues. Eva Muenster and her colleagues at the western German university surveyed more than 900 people undergoing debt and insolvency counselling and compared them to a group of more than 8 000 who had previously participated in a health survey. [more...]
Date: 2009-09-04 04:45:03
Consider No Fee Balance Transfers
The current economic turmoil is in no small part a crisis of confidence ... increasingly difficult to manage. Reliance on credit card debt has become a familiar symptom ... for anyone with credit card debt to check out such a site. [more...]
Date: 2008-12-11 06:55:03
Mapping Your Financial Future: A Guide - Part 2
by Mike Lazear, PIC Current Assistant Producer This is the second of our three-part series on mapping your financial future ... of personal debt, whether it is from a mortgage, a car, credit cards, or all three ... to go about obtaining one: Sallie Mae - Sallie Mae is a trusted loan provider. Their website will answer any [more...]
Date: 2008-10-14 14:00:21
Reversal of Fortune
As recently as June 2008 the Council of Foreign Relations was reporting Persian Gulf Nations' Bulging Coffers Bring 'Wrenching Transformation' ... of its roughly $80 billion in foreign debt coming due in 2009, Dubai will likely require a significant loan from Abu Dhabi—particularly as it can no longer finance its current account deficit by borrowing [more...]
Date: 2009-01-15 22:08:31
Live Peacefully without Credit Problem
Wow ! free credit online... is here to serve you , searched on www.creditnexus.com. This good news to all who need to get their current credit report ... first the product or services like attorneys fee, medical fee or insurance which you promise to pay ... accumulation of debt. Always make an effort to improve credit by paying bills on time and paying [more...]
Date: 2008-10-22 13:24:11
Finding the exit
How you think we might get out of our current economic problems has something to do with how you think we got into them in the first place ... ratio of household mortgage debt to GDP. Home mortgage debt outstanding as a percentage of GP ... the phenomenal debt accumulation of 2005. Personal saving as a percentage of disposable [more...]
Date: 2008-12-16 01:26:45
Shopping for Individual Health Insurance
I am currently on vacation. This is a guest article by Miranda Marquit, who writes about personal finance for Yielding Wealth and edits information on debt consolidation for DestroyDebt.com . One of the biggest concerns right now in America is health care [more...]
Date: 2008-06-09 16:49:45
In Real Estate, You're Better Off Doing One Thing At A Time
Hi--I just found your site today. The best I've ever seen/read, etc. Thank You!! I do have a question I didn't see addressed regarding our current situation/dilemma: Our present home, which we've lived in for 8 years, is worth around $180,000 (yes, it's a small town...), and we owe $105,000. My husband has been working for about 5 years now, & has a pretty good salary (around $100K) but we have a LOT of debt --mainly a result of having had 2 babies while in school. [more...]
Date: 2009-09-13 14:00:00
WHEN YOU GO BANKRUPT
by Bart Icles The total nation is currently confronting a joyless mercantile situation. As we have been using out of funds, it competence be beneficial to have a Chicago failure counsel by your side so we can begin meditative about a uninformed start. The Chicago failure law was upheld to assistance honest people have a brand new begin by a rejecting of many of their debts. The law additionally allows people to compensate their debts over an lengthened length of time. [more...]
Date: 2009-09-26 10:13:17
How fat cats got that way ...
Re: "Fat cats not the issue -- Do executives really make too much, or are we just looking for an enemy? asks Thomas Sowell," Saturday Viewpoints ... by buying other companies, taking on debt to go private or simply reshuffling structures or assets ... that the Community Reinvestment Act is the cause of the mortgage meltdown, which has led to our current [more...]
Date: 2008-12-02 20:38:31
Kunekt Completes Financing
Kunekt Completes Financing CARSON CITY, NV, Sept. 24 /PRNewswire-FirstCall/ — Kunekt Corporation (OTCBB: KNKT) announced today that it completed a $450,000 debt financing provided by the president and chief executive officer of the Company. The Company plans to use the proceeds for general working capital purposes. The promissory note carries interest at the Fed (U.S.) prime rate, which is currently 3.25%, and is secured by the Company’s assets and payable on demand. [more...]
Date: 2009-09-24 22:22:47
Bachmann, Paul Criticize "Out of Control" Spending in Forum (from John Hageman's happenin blog)
Reps. Ron Paul and Michelle Bachmann blasted the current administration's spending plan at a forum at Northrop Auditorium at the University of MInnesota Friday, according to the Pioneer Press. Over 2,000 people attended the event, and met the representatives with support. "You are the generation that will inherit increasing debt from out-of-control spending," Bachmann said. Paul also warned that further government expansion will undermine personal liberty. [more...]
Date: 2009-09-26 20:53:18
Money as a Dealbreaker?
Is money a “dealbreaker” in relationship? If you meet a great person and found out after a few months of dating, they had massive student loans, some credit card debt, and a car loan; is that a deal breaker? Would you run for the hills or stick around? It was an interesting question posed on a message board I read. But currently two [more...]
Date: 2008-09-04 13:00:04
Denver Bankruptcy Attorneys Shed Light on Current Bankruptcy Rules
Filing for bankruptcy is not quite as easy as it used to be, if you are under the impression that you can just sign some papers and have all of your debt absolved you may be in for a rude awakening. The government has made it quite a bit more difficult to file for bankruptcy after it was deemed that many too many people had been taking advantage of the system to have their debt absolved. [more...]
Date: 2009-09-29 17:41:08
Its Monday - so it must be govt wasting £500 million on a half baked scheme to buy it votes day
As I have just argued the current Labour Government is obsessed by "the narrative" and finds reality annoying and just plain disloyal ... of employing someone they don't want or worse need to get rid of. Lets assume very conservatively ... more to Saudi and Chinese investors in govt debt soon, the figure we can't be sure of ( as David [more...]
Date: 2009-01-12 08:46:00
The Simple Dollar Weekly Roundup: Sleepy Days Edition
I’m currently in the midst of my first Iowa winter as a stay-at-home writer - and it’s fairly tough ... . If you’re talking about core principles, there basically isn’t a price. You could not pay me enough ... and Manage a Debt Snowball I really liked this summary of how a debt snowball works - nicely written [more...]
Date: 2009-01-14 14:00:52
The Year of Hotel Consolidation
One by-product of the current hotel recession we’re in will certainly be a spate of mergers, acquisitions and other types of consolidation ... , owners and speculators caught with large or ill-conceived debt related to development ... of debt that will come due this year or next. They may opt instead (or be forced) to sell [more...]
Date: 2009-01-08 20:49:21
Current Progress on GM Getting Emergency Government Loans
Late Thursday when the Senate failed to pass legislation to give GM emergency aid, ... . Obviously the clock is rapidly ticking against GM with only 12 more business days in the month of December ... in last week’s Republican plan, including reducing GM’s healthcare obligation debt to the UAW to half. Under [more...]
Date: 2008-12-14 13:19:39
Financial Advice for the Current Market Conditions
I have a special attachment to Saturday Night Live, since it debuted the same year I was born ... t get these numbers to add up Husband: Like we’re never going to get out of this hole. Wife: Credit card debt ... could use it. Wife: We’ve tried debt consolidation companies. Husband: We’ve even taken out loans [more...]
Date: 2008-10-16 06:30:09
Economist predicts layoffs through 2010
Hahn The current recession will be the nation’s longest and deepest since the Great Depression, ... reductions in consumer spending. A continuing flood of home-loan payment adjustments that will result ... – and borrowing trillions of dollars to finance the difference. We have been on a 25 year debt binge [more...]
Date: 2008-12-26 12:59:06
S&P's Puts Spanish Sovereign Debt On Ratings Watch Negative
bond+spreads+2.png - Spain yesterday became the third euro zone country within a week to be warned by rating agency Standard & Poor's that its credit rating (currently the highest - AAA) is under threat from the deterioration in public finances being produced by the government's attempt to support the banking system and put [more...]
Date: 2009-01-15 15:12:32
Credit Card Settlement Can Trigger Tax
Credit card banks may offer settlement at a reduced amount if you get behind and fail to keep current on your payments. My colleague, Doug Jacobs, talks about Negotiating Your Credit Card Balance in an earlier series of articles on this website. However, if a bank or other finance company agrees to settle a debt [more...]
Date: 2008-09-07 00:48:44
Some Debt Negotiation Facts to Consumers
Debt negotiation which is also known as bill settlement is a bill elimination method that you can use to solve your financial difficulties and become stress free. However, whichever other way you may decide to use, the bottom line is, put your current financial situation to an end and become a free person once and for all. [more...]
Date: 2009-09-20 06:02:42
Five Factors That Can Determine the Fate of the U.S. Dollar
As many economists and analysts have noted, the stability of the US dollar is a key issue in our current times of economic turbulence ... of as default insurance; the buyer makes regular payments, and the seller makes a payoff ... will not be able to pay off its debt, or will have difficulty doing so, it introduces concerns [more...]
Date: 2008-11-11 09:37:37
Free Ebook: Suze Orman 2009 Action Plan
I am actually currently reading (and by reading I mean listening to an audiobook) ... of this book. I’d think the twenty something crowd would be most interested in: Credit card repayment plan Debt consolidation Expense/Income worksheet Finding ways to save Dealing with car loans First [more...]
Date: 2009-01-08 19:30:11
New Year Resolution #1: Financial Fitness in 2009
Worried about the economy? Been hoarding all your pennies lately? You’re not alone ... ? If you have credit card debt, ask yourself why. That list on your credit card statement….was each one of those card swipes necessary? If they were, consider consolidating. Call your current credit card [more...]
Date: 2009-01-07 22:51:21
eBay: Stock Fully Valued at Current Price
I thought that eBay (EBAY) may be a good play on frugality in 2009. The stock is off 53% this year ... and no long term debt. The company did draw down a billion dollars from a revolver for thepurchase of Bill Me Later in October, but this should not be an issue to repay. The revolver matures at the end [more...]
Date: 2009-01-06 15:08:58
Don't Hold Current Managment Responsible For The Sins of The Prior One
First, I have respect for Jeff Matthews and link to his stuff often, but this time, he misses... ... aggressive. Five years ago Borders had a $1.9 billion market value and more cash than debt on its books. Today, Borders has a $50 million market value (yes, that’s right, $50 million) and more debt than [more...]
Date: 2008-12-01 20:49:08
The current economy situation
What is going on with the economy and the bail outs? Ok, I would explain it so that a high school kid could understand ... . As long as the $90 debt is producing $90 value in due time, the system is balanced, and without inflation. Now here is the problem. Due to the housing bubble, our banks now have only $5 left [more...]
Date: 2009-01-16 03:19:22
Winners and Losers from Current Economic Situation.
In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]
Date: 2009-01-13 06:40:00
In a World of Hurt Writes and Wants to Know “Should We Tell My Parents?”
I got the question below through the GetOutOfDebt.org site from someone that identified themselves as In a World of Hurt ... , and $17,000 in loans and credit cards. Monthly out go currently $3,500.00 including utilities ... to most likely end up in a world of hurt? Forget the refi, and find a nother way to get out of debt [more...]
Date: 2008-10-03 15:03:19
2008 Debt
Our homeowners insurance company decided to cover all our expenses for the new A/C unit at our house ... that I hope to get this weekend, best news of all NO CREDIT CARDS! All paid with CASH! Click ... I have some bad news to report, the balance on the CITI Premier Pass card is up this month. The current [more...]
Date: 2008-12-31 06:27:58
Get the bill consolidation loans
If you are struck well with huge loans and if you want a solution for all your problems, ... debt consolidation because they know it will free up money in their monthly budget that can be used ... here is a site for you to visit at least once so that you can get relief soon. The current [more...]
Date: 2009-01-05 19:21:37
BARRONS ROUNDTABLE - NEVER MIND
The Barrons roundtable gathered a few days ago and the current issue has this years predictions- Meryl Witmer with an interesting observation-" ... :"The government can't cure a disease that has been more than a decade in the making. The U.S has built up gigantic financial imbalances, and debt levels [more...]
Date: 2009-01-10 18:54:00
Just Taxation
In the current American elections, John McCain’s last-gasp attempt at gaining the support of a majority of American voters revolves around trying to ... to balance the federal budget, or at least prevent a runaway debt that would ultimately destroy [more...]
Date: 2008-10-30 19:05:29
Holiday Cheer: Reality is Not All It's Cracked Up to Be
I am currently on blog holiday, and am re-posting some refreshing concoctions from Christmases past.Life. It's deep, right? ... surrounding (i.e. Shaolin), that credit card debt and those student loans aren't mundane, they suddenly [more...]
Date: 2008-12-29 16:00:00
Is Bankruptcy the Right Choice for You?
by Harvey L. Cox Current economic conditions are making a lot of individuals who have never before considered filing bankruptcy to now consider it ... to see whether bankruptcy is right for you. You don’t need a particular level of debt. You don’ [more...]
Date: 2009-01-15 08:21:15
Look who's #2 on global stimulus package
CURRENTS: "The New Old Big Thing in Economics: J.M. Keynes," by Sudeep Reddy, Wall Street Journal, 8 January 2009 ... : we expect China to both stimulate itself and the world and be the primary buyer of our debt--AT THE SAME [more...]
Date: 2009-01-13 02:56:57
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