Carnival of Personal Finance, Cyber Monday 2008 Edition
Welcome to the Carnival of Personal Finance! It’s officially Cyber Monday 2008, the online doppelgaenger to Black Friday ... What is freedom worth?“ Posts on Credit and Debt Free From Broke chats about medical treatment ... some aspects of refinancing consumer debt. Blueprint for Financial Prosperity has a list of 0% balance [more...]
Date: 2008-12-01 06:02:01
Blog posts
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Videos
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Top 10 Trends In Managing Small Business Finances in 2009
There’s not much good news to report on the financial front as we move into 2009. Layoffs are occurring at breakneck speed and “out of business” signs are in high demand for many small business owners. Overall, the landscape is different than it has been for a long time, [more...]
Date: 2009-01-14 08:12:29
The Personal-Finance Gift Guide 2008
Last year, in answer to reader questions, I suggested some personal-finance books that make good gifts ... that this is the most crucial stage in a person’s financial life. Begin accumulating debt, and there are years ... , she can acquire some kick-ass wealth relatively early in life. Debt is Slavery by Michael Mihalik [more...]
Date: 2008-12-11 13:00:11
Learn How to Manage Your Money
by Jim Parker Have you ever wondered why some people seem so financially sound? ... , savings and debt management. Personal finance covers everything involving your money, from knowing ... finance. It is common for people fail to budget and therefore they end up in debt and in financial [more...]
Date: 2009-01-15 19:59:28
Another Paddy-Whack At MBIA
Standard & Poor’s dropped the structured finance operations of MBIA (MBI) to junk status for the first time late Monday, bringing up its commercial real estate portfolio, but drawing a line in the sand for the traditional public finance insurance business that MBIA has tried to ring-fence from its deteriorating operations. [more...]
Date: 2009-09-29 16:44:03
One-on-One With Phil Weiser – Topic #1: Finance
Late last year, Phil Weiser (the omnipresent head of Silicon Flatirons and CU professor of Law and Telecommunications) ... and what it means for start-ups, evaluating the role of angel financing, venture capital, private equity as well as the public debt and equity markets. Our discussion will touch on whether venture [more...]
Date: 2009-01-12 21:56:22
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
Last roundup of 2008
Happy New Year everyone! Here are a few links to round out this year: ... -the-gift-of-cash post in this week’s Carnival of Personal Finance. Ask Mr. Credit Card included ... Free From Broke here. No Credit Needed reviews his year in finance and in health. For these final [more...]
Date: 2008-12-31 21:53:19
Advantages of Online Banking
We set aside some time this weekend to pay a visit to our elderly Aunt Jane* and Uncle James ... of various aspects of life like accounting, finances, debt and more. She is content with Uncle James handling [more...]
Date: 2009-01-13 01:38:47
Resolutions And Goals For 2009
Personal Finance Goals Fully-fund 403(b) Fully-fund 2 Roth IRAs Fully-fund 3 Education Savings Accounts Save for down payment on a new home Stay out of debt Blogging Goals Post daily to No Credit Needed Increase number of subscribers Improve site usability Establish connections with other bloggers Continue to support the personal finance [more...]
Date: 2009-01-03 02:23:58
Should I Refinance? PowerShell the Financial Advisor
When it comes to personal finance, research and reading sometimes can’t answer all of your questions ... rates sinking, now’s a good time to evaluate a mortgage refinance. The online calculators help ... . At 5%, you’re paying $585 per month. However, All of the re-finance quotes and calculators put [more...]
Date: 2009-01-10 07:17:11
The layman's finance crisis glossary
The layman's finance crisis glossary via BBC Here is a guide to many of the business terms currently cropping up regularly, ... trade Chapter 11 Capitulation Chapter 11 Collateralised debt obligation Commercial paper Commodities ... Dividends Equity FTSE-100 Fundamentals Futures Futures GDP Hedge fund Hedging Inflation Investment bank [more...]
Date: 2009-01-11 12:55:51
Showing Your Finances The Light of Day
This is a guest post from Scott Crawford. Scott is the CEO of DebtGoal.com, a do-it-yourself system for lowering your interest costs and getting out of debt ... and get visibility to their debt finances. How should I deal with my debt? I’m often asked what is the most [more...]
Date: 2008-11-25 16:13:00
Will the Federal Government Provide Bankruptcy Financing?
One topic we've mentioned from time to time is the near disappearance of the debtor in possession financing market and why that is a more serious ... to other debt, to pay all those bills during the Chapter 11 process. No DIP, no Chapter 11 for a lot [more...]
Date: 2008-11-25 06:35:10
Three Random Stories (and Personal Finance Links)
I thought about not posting the last two stories, but I figured they were entertaining and the kind of thing that I would to read if I were someone else. Not too much personal finance after the first story, so if that’s your interest, just jump straight down to the links and enjoy [more...]
Date: 2008-12-15 20:07:25
1st day, how's your finances? Resort to Payday Loans?
I know my title sounds a bit serious and heavy for a January 1 post but after all our merry-making the past weeks, we have to face serious issues, ... about a Payday Loan No Fax Required. While I am no expert on finances, I think Payday Loans are an option [more...]
Date: 2009-01-01 20:26:30
Fierce Financial Tips: The Carnival of Personal Finance #178, Struwwelpeter Edition
I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... , and this time, I think I do….! This edition commemorates a rather strange and bizarre collection ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]
Date: 2008-11-10 05:46:25
Useful Guide - How To Improve Your Understanding of Personal Finance
Personal finance is a really new subject in our life ... problems and it is a very bad thing if they just assume that everyone is facing the same problem as they are without any solutions. The situation shows that the problems occur because of themselves [more...]
Date: 2009-01-12 20:35:31
Continental Finance MasterCard - Review
By Dan MoskelThe Continental Finance MasterCard is an unsecured sub prime credit card ... -annual credit limit increases, with a maximum limit of $2000. This card does report monthly ... they often come with large fees and only report to one credit bureau. In sum we do suggest the Continental [more...]
Date: 2009-01-08 00:37:00
Delta gets financing to tackle debt
September 29th, 2009 Goto commentsLeave a comment <p>AFP - NEW YORK (AFP) - Major US airline Delta said it had closed 2.1 billion dollars in financing deals, marking "a significant step" toward repaying debt.</p><br clear=all>Similar Posts:Delta Air Lines closes a total of $2.1B in loans, making progress toward 2010 debt paymentsTwitter gets "significant" new fundingBank of America raises $13.47 billion in share saleBank of America raises $13.47 [more...]
Date: 2009-09-29 02:29:40
Jim Grant Declares Boom is Nigh
The Daily Reckoning Personal conversions sometimes mark dramatic turns in history. Saul of Taursus saw a vision so bright it left him blind. The next thing you know, he had changed his name and was pushing Christianity all over the world. According to Gibbon, the Roman Empire fell as a consequence. Then, on the advice of his mistress, Gabrielle, Henry IV became a Catholic, leading to the Edict of Nantes and its subsequent revocation. Even in the world of finance, there are momentous conversions. [more...]
Date: 2009-09-28 15:43:37
USGovt Yuan Bond Threat
By Jim Willie CB, GoldenJackass.com Subscribe: Hat Trick Letter The tables are fast turning against the deeply indebted USGovt officials. USA Inc is in deep trouble. Its productive engines in both finance and industry are either wrecked or sputtering, even as its debt burden grows exponentially. Debt default litters the landscape. Next its sovereign bonds will be have to be sold to some extent outside the US$ Sphere, which will put at great risk its stock, namely the USDollar itself. [more...]
Date: 2009-07-30 19:24:15
Recession Not Through With Us Yet
While it may seem that the nation's economy is taking a turn for the better and strides toward the positive are being made, the recession times we have been experiencing are not exactly over. With so many people starting to regain confidence in their personal finances again with just the glimmer of hope we are seeing, this is not the time to cease and desist our frugal ways. No Concrete Evidence Some of the crisis has been downgraded but there is still no solid evident of a full recovery. [more...]
Date: 2009-09-22 20:02:29
Economy & Finance
Economy & Finance 14-Jan-09 Stocks tumble on disappointing retail sales NEW YORK - Wall Street extended its 2009 retreat Wednesday, ... loans to investment banking — with Tuesday’s announcement that it was merging its Smith Barney [more...]
Date: 2009-01-14 19:40:45
Mandelson studies auto finance plan - News UK
Mandelson studies auto finance plan - News UK Posted by:peter 16 minutes ago • Discuss He was responding to a report in The Times saying more car loans could be encouraged by extending the Bank of England's special liquidity scheme to motor-based [more...]
Date: 2009-01-15 19:35:26
Confessions of a Subprime Lender by Richard Bitner
Title: Confessions of a Subprime Lender Author: Richard Bitner Publisher: John Wiley &amp; Sons Books (2008) Here’s why the mortgage mess happened: If you had a Target credit card with a $100 maximum ... had a credit score of 580 (considered very low) you qualified for 100% financing! 100% financing [more...]
Date: 2009-01-15 11:00:32
Winners & Losers From the Week That Was
J.P. Morgan Chase: With a scarcity of financing for deals in 2008, those that could lend were kings ... % stake in several chemical plants. Dow intended to use that money to help finance its $15.3 billion [more...]
Date: 2009-01-02 14:17:00
Winners & Losers From the Week That Was
J.P. Morgan Chase: With a scarcity of financing for deals in 2008, those that could lend were kings ... % stake in several chemical plants. Dow intended to use that money to help finance its $15.3 billion [more...]
Date: 2009-01-02 14:17:00
Five Minute Finance Fixes
Maybe you’re putting off doing anything about your finances because you think you don’t have time ... you wish there were some quick and simple solutions to your financial problems. Good news – [more...]
Date: 2008-12-21 19:25:39
Basics About The Finance Information - Part 1
Savings. Pay yourself unrivaled. Start now stashing 10% of your income in an “Emergency” savings. Don’t aid it for anything but real emergencies. Keep a “For Sure” savings account for yearly expenses you know are coming and you can essence (e.g. Christmas, insurance, taxes, etc.). Also have a Buy Stuff account. If you do, you’ll symbolize producing to flee many financial disasters which bequeath face you, and you can escape borrowing iva or debt management from high-rate lenders. Borrowing. [more...]
Date: 2009-04-30 10:46:55
10 iPhone Finance Apps That Count
Managing your money shouldn’t get in the way of living your life. That’s why personal finance apps are such a natural fit for the iPhone. They let you track your stocks, convert currencies, calculate how much you owe, and track expenses—all on the go [more...]
Date: 2008-09-25 22:41:14
Resisting The Urge
I have met a lot of people who have taken steps to improve their finances in an incredible way, and then they fall victim to "the urge". What is "the urge"? It takes shape in various forms. Here are a few … I have put off fun too long. I deserve to have some fun. It is OK to take a vacation and pay for it with our credit card. That is AWESOME! I want it. No, I don't want it. I need it! It is OK to use my emergency fund for this purchase. [more...]
Date: 2009-09-29 08:00:45
India upholds 2009/10 debt plan overshoot risk seen
By Manoj Kumar and Rajesh Kumar Singh NEW DELHI, Sept 29 - India will stick to its borrowing target for 2009/10, finance ministry officials said on Tuesday, but analysts warned drought relief spending may strain government finances and force it to ... [more...]
Date: 2009-09-29 12:02:10
Managing Debt Wisely
Leading a debt-free life is the best way to provide a secure future for ourselves and our families. Long term debt, when becomes very large, can wreck a persons life. So, it is imperative for everyone to meticulously manage their finances to avoid huge debt payments. It has been proven through research that most people have debt due to their spending habits. So, if there is a need to change our lifestyle to prevent a debt situation in the future, it should be done immediately. [more...]
Date: 2009-09-29 16:41:49
Best Prepaid Credit Card – What To Look For
September 27, 2009 | By Dan Moskel In Finance | by Dan MoskelYou may have heard of these and asked, “why are they called credit cards if you receive no credit?” To answer that question and many others, let’s look at them in detail.Nearly all of the major issuers offer these. The concept is very simple. Once you are approved, and nearly everybody regardless of their history is, you get a card in the mail. It looks identical to a regular one typically with a Visa or MasterCard logo. [more...]
Date: 2009-09-27 18:13:10
When to Move to Joint Financial Accounts
The joint accounts for couples. It’s one of those age-old hot personal finance topics. When do you know if it’s the right time to do it? Is there ever a right time if you’re not married? I will tell you what worked well for my wife and I. However, I realize that I might somewhat be in the minority on this one (particularly amongst married couples). There’s really three options: Shared everything. All funds go into one share account. Everything stays separate in individual accounts. [more...]
Date: 2009-09-29 20:47:44
Carnival of Personal Finance: Live From Monticello!
(Thomas Jefferson's Monticello) I'm working on this carnival from my hotel room just down the road from Thomas Jefferson's famous home of Monticello, where I have spent the weekend at the fantastic Heritage Harvest Festival . Considering Jefferson was a bit of a profligate and died deeply in debt, his may not be the best example of good financial practices. Nevertheless, Jefferson was an incredibly resourceful, inventive man who had a lot of sensible things to teach us. [more...]
Date: 2009-09-14 11:00:00
Welcome to the Carnival of Debt Reduction
Hi everyone, and welcome to this week’s Carnival of Debt Reduction . There were more good articles submitted this week than are shown below, but only a small number of them dealt directly with (a) personal debt reduction stories or (b) how to reduce consumer debt: No Credit Needed dispenses with a lengthy introduction and jumps right in with a six-step process for eliminating credit card debt . Free Money Finance recounts a story of how one couple paid off their mortgage . [more...]
Date: 2009-09-28 05:00:04
Facts And Figures About Bill Consolidation
September 4, 2009 | By Imus Jackson In Finance | by Imus JacksonYour credit rating is becoming obscene, your bills are out of control, you have more debt than you can face or ever hope to pay off, and you cannot sleep at night because of all of this. What to do. Well, the best way to approach this situation is to get some help in the form of a credit counseling service that can initiate bill consolidation and start to get you back on the right track financially so you can enjoy life again [more...]
Date: 2009-09-05 03:22:15
What is Lawsuit Funding
September 17, 2009 | By Gary Vanderheim In Finance | Can you get cash out of a lawsuit before it settles? One way is to use Settlement loans or lawsuit loans. These kind of ‘loans’, and I put it in quotes for a reason, have become much more common in recent years. A settlement loan is an advance of some type. A company will give you money now and in return you agree to pay them back out of your settlement or verdict ( if the case goes that far ). [more...]
Date: 2009-09-17 20:21:27
Getting Out Of Credit Card Debt
Now that the nation is fully aware of how much debt we are facing as a country and individuals the time has come for each person to address their own personal finance demons. The one thing that commonly holds consumers back from achieving their financial goals is high interest credit card debt. Statistics vary on how much debt each household is currently carrying but the sad truth is many people are living paycheck to paycheck just trying to make ends meet. When credit card payments [more...]
Date: 2009-09-07 06:00:00
33 Free Personal Finance Templates for Google Docs
I'm a big fan of Google Docs — the search engine company's cloud competitor to the Microsoft Office suite of applications — especially when it comes to managing my files or schedule or ideas when I'm using my iPhone or computer other than my standard iMac. I haven't gotten too deep into using its spreadsheet or presentation templates (I'm mostly a text doc kind of guy), but I was excited when I saw this tweet from MattJabs , blogger at Debt Free Adventure and a contributor to FiveCentNickel . [more...]
Date: 2009-07-01 16:21:11
Danger: Beware Of Payday Loans For Debt Consolidation
By Ozeme J Bonnette For the past two years, the economy has really taken us for a ride. The economic crisis is hurting families at all economic levels. Now it is more critical than ever to be careful with your finances. Eliminating debt requires both consistency and determination. It can be tempting to seek ways to speed up the process. Some people consider taking out a loan to pay off credit cards. Here is one money mistake that you should really avoid. For two years, the economy ha [more...]
Date: 2009-09-28 19:02:40
How To Select The Right Mortgage Calculator For Your Needs.
Your dream house may not be everyone else idea of “Home, Sweet Home,” but it’s going to be all yours. Now if you can just figure out how to finance that bit of real estate. Not wanting to leave any stone unturned, you’re on this site to get some background for your decision. One kind of mortgage calculator (”how much house can I afford” type) takes a look at your budget and, with your input, works out how much you can afford to pay, either monthly or annually. [more...]
Date: 2009-09-11 00:01:41
The Rest of The (Belated) Week In Review
Didn't get to this yesterday, as I basically played hooky from blog. So I'm cleaning out the closet: • The House voted to strip all federal funding from ACORN in the student loan bill, and there are more such funding strip amendments in the health care markup in the Senate Finance Committee. The "let's strip ACORN funding" amendment will soon become a staple of GOP politics. Only problem is an unconstitutional bill of attainder , but when have laws gotten in a way of a good story. [more...]
Date: 2009-09-22 05:17:00
Loan Calculator Secrets To Lower Your Rates
Sep 20th, 2009by Billy Eubank. The best course of action to take sometimes isn’t clear until you’ve listed and considered your alternatives. The following paragraphs should help clue you in to what the experts think is significant in terms of simple loan payment calculators.Are you looking to purchase a new car or have recently signed a contract to purchase one? Well no doubt you will require car finance for your new car. If you carefully observe, you will find that most of them are stereo type. [more...]
Date: 2009-09-20 15:36:47
How To Prioritize Your Debt Repayment Plan
Everyone knows that healthy personal finances requires debt reduction. However, paying down debt can become discouraging when you have a great deal of it, from a variety of sources. Paying a little bit extra every month on each of your debts doesn’t seem to make a dent, thanks to high interest charges. Instead, you can make more effective use of your debt repayment funds if you concentrate on retiring one debt at a time. This can also simplify matters and help you focus your efforts. [more...]
Date: 2009-09-24 01:03:28
Carnival of Personal Finance #175 - "Jokey McJokester" ed.
Hello my frugal little friends, and welcome to the 175th Carnival of Personal Finance - "Jokey McJokester" edition! ... Warfare? by Richard over at Student Scrooge. An interesting look at how waiters work the "upsell" angle [more...]
Date: 2008-10-20 11:02:01
Money, Credit, and the Law – Know Your Rights
That’s the title of a valuable new video narrated by Professor Richard Alderman, director of the Center for Consumer Law at the University of Houston Law Center. The video, consisting of easily digestible short chapters, provides help managing personal finances, dealing with credit problems and debt collectors, responding when sued by a creditor, seeking credit counseling, or exploring the option of bankruptcy. The video can be viewed online or a DVD can be requested directly from Professor [more...]
Date: 2009-09-17 20:50:58
Benefit From Your Maximum Tax Reduction with Preferred Tax Relief’s Help
September 14, 2009 | By Jamie Polinsky In Finance | Preferred Tax Relief provides its clients with hope whenever there is a difficult tax situation. The firm caters to all types of taxpayers who do not have any clue about how they can ease their tax burdens. You see, there are instances when a particular taxpayer may face tax issues that can significantly raise the amount of taxes they have to pay the government. The most stressful tax scenarios are typically penalties, audits an back taxes. [more...]
Date: 2009-09-14 18:27:25
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