Goals for 2009

I’m not big on New Year’s resolutions. The main reason is that January 1 is an arbitrary date that most of Western civilization has agreed we ... . But hopefully I can find a race, perhaps sometime in June. Lake Placid’s a possibility. Cut down my credit card debt to $x. (Before you get on my case, yes [more...]

Date: 2009-01-02 04:49:34

Blog posts (299) | Videos (306)
 

Can Debt Consolidation Help To Overcome Credit Card Debts?

The only way to keep up with the latest about debt consolidation is to constantly stay on the lookout for new information. If you read everything you find about being sued for debt, it won’t take long for you to become an influential authority. Our society encourages consumers to “buy now, pay later”, offering credit cards and convenience to spend more everywhere we look. This is why it is so easy to get carried away with spending, and eventually end up “knee-deep in debt”. [more...]

Date: 2009-09-15 15:05:02

How to Motivate Yourself to Pay Debts

Start the year right with a clean slate which is why I paid all of my credit card dues just last December ... debts to pay off. If you’re in credit card hell. Pay off the ones with smaller debts then get rid ... advice from people who have experienced paying off debts successfully. You can ask your parents, other [more...]

Date: 2009-01-07 10:45:24

Debt Consolidation Education

It is always best that before venturing into anything you get educated first to know the ins and outs of any transaction. When getting loans and applying for credit cards more often then agent will just tell ... that are there to help each creditor. They will educate you about debt consolidation, help you manage medical [more...]

Date: 2009-01-10 03:56:00

The Impact of Marriage and Divorce on Your Finances

We joined Costco. And I’ve only been there 5 times in 8 days! Thanks for all your suggestions; we knew exactly what to look for. Now I just need to get my True Earnings Credit Card for Costco and I’ll be all set. Also ... What to give the new couple? Think twice before giving a gift card. Debt Reduction Five Tips for Reducing [more...]

Date: 2008-10-08 13:29:23

Sacred

  Yesterday I took an abstract acrylic class with artists Mimi Little  (see here too) through the Calvert Artists' Guild ... with the edge of a credit card or embosser.  Do not get the GAC 100 on the back of the transfer.  Either ... .  It was great!  I seldom take classes, preferring to discover what is possible on my own [more...]

Date: 2009-01-11 13:18:32

Consumer Credit Counseling Services

These days, people are living far beyond their means. It is too easy to get credit cards, and before you know it, massive bills come your way with huge amounts of interest slapped on them. There are many people who find themselves in grave [more...]

Date: 2009-01-03 18:10:13

Bill Consolidation

Bill Consolidation People have different ways of budgeting their money and it all stemmed up from the person’s attitude towards finance handling ... gadget, shopping online for your needs and using credit cards as your payment. Applying and getting ... ways to consolidate bills in a way that they’ll reduce your debt into one comfortable and convenient [more...]

Date: 2008-07-04 03:28:12

Slumdog, a “Perfect Fairy Tale for Our Hard Times”

Click here to view the embedded video. Frank Rich, writing for the New York Times, ... in the toilet of globalization: one of those mammoth call centers Westerners reach when ringing an 800 number to, say, check on credit card debt. When he gets his unlikely crack at instant wealth, the whole [more...]

Date: 2008-12-22 16:26:33

Unsecured Credit Card Debt Consolidation – Is it Possible?

Amazon.de Widgets Debt consolidation companies advertise their ability to condense all of your debts into one bill each month. Sure, that sounds really nice. But is that sort of option even feasible? To you, you are just taking on another debt to get rid of debt. Sounds like a mess of contradictions, does it not?Unsecured credit card debt consolidation has proven to work for many, many people. But, some of us would rather try to remedy our struggles with debt on our own. [more...]

Date: 2009-09-23 18:07:01

How to Get Out of Debt and Credit Card Tips

Taking care of our finances requires a great deal of knowledge and implication on our behalf. As adults, we must take responsibility when it comes to money and put to good use all the advice that is being given to us. Fortunately, we have one more hand offered and that is represented [more...]

Date: 2008-12-21 16:41:06

Ohio School Funding Has Me Seeing Red Today, Literally

It’s no wonder school funding in Ohio makes folks see red. What I got in my mailbox today, did, literally ... today from the Ohio Department of Taxation. This bad boy is all orange, red and scary. One minute you’ ... . We’re just trying to get the credit card balance back to zero after Christmas. The Four Horseman [more...]

Date: 2009-01-10 20:24:00

Texas Sues Broadway Photo for Bait & Switch Scams

Don’t Mess With Texas The State of Texas has just lit up Broadway Photo and Starlight Camera & Video (aka everyprice.com) ... . Once customers selected merchandise and made credit card purchases via the defendants’ Web sites ... to get suckered into buying an overpriced battery, memory card or some other scam during a “ [more...]

Date: 2008-11-30 08:59:53

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

Credit Debt Advice - The Solution Needs to Suit Your Circumstances

Credit Debt Advice in the UK is so widely available but it’s difficult to tell if it applies to your circumstances ... . If you are UK resident, are worrying about these testing times and maybe have that awful sinking feeling that payments to credit cards & unsecured loans etc are not getting any easier to meet, ... [more...]

Date: 2009-01-14 06:30:18

Yet Another Reason to Hate the IRS (and OCC)

Photo by SC Fiasco As if it weren't hard enough to get banks to offer workouts to overindebted consumers! ... lenders want to forgive significant portions of credit card debt that borrowers can't currently repay ... to expand credit card debt forgiveness. According to the Financial Services Roundtable (whom I don't [more...]

Date: 2008-10-30 20:11:13

Funny but True: SNL- Don’t Buy Stuff You Cannot Afford

With all of the serious economic problems happening these days, I figured a little humor was in order ... t get these numbers to add up. Husband: Like we’re never going to get out of this hole. Wife: Credit card debt ... ve tried debt consolidation companies. Husband: We’ve even taken out loans to help make payments [more...]

Date: 2008-10-02 04:01:10

Family Finances: When you’re desperate, look out for fraud

At a recent home show, we were grabbed by a debt settlement company salesperson who offered to save us at least 40 percent in our effort to get ... Republican Searching For a Debt Consolidation Loan or Credit Card Counseling Service Beware Of Zombie Debt ... Collector? Bad Credit Debt Consolidation - Brutally Honest Advice Recent Debt and Foreclosure [more...]

Date: 2008-10-31 06:20:00

Mortgage Rights and Wrongs

Congress has said that they want judges to adjust mortgage debt. On the face of it, this makes sense. After all, when people declare bankruptcy they get their credit card, auto loan, and personal debts adjusted. What makes a mortgage any different? Well, one difference is the law. By law [more...]

Date: 2009-01-14 05:01:08

Quote of the Day - Frank Rich

Quote of the Day - Frank Rich 21 Dec, 2008 3 Comments Our feel-good movie of the year is “Slumdog Millionaire, ... in the toilet of globalization: one of those mammoth call centers Westerners reach when ringing an 800 number to, say, check on credit card debt. When he gets his unlikely crack at instant wealth [more...]

Date: 2008-12-22 04:37:25

THE FINTAG NEWSLETTER @ 25 August 2009

FINTAG COMMENT Plastic Ono Bank. Bank of America is having trouble packaging up its credit card receivables and flogging them on. You see, to get a decent FICO score you need debts that are likely to be paid back but BoA seems unable to throw any into the mix. I made the error yesterday of stating Mastercard and Visa were in trouble and rightly so I was shot down for they are payment processors not debt holders. I was using a metaphorical term but it didn't work. [more...]

Date: 2009-08-25 23:35:00

In Earmarks Lies Salvation?

In a deepening recession, what does the reasonable man do? Seeing friends laid off, he will get rid of all but essential credit cards, dine at home more often, terminate unnecessary trips to the mall, put off buying a new car, give up the idea of borrowing [more...]

Date: 2008-12-15 04:47:42

5 Options to Get Out of Debt

I am the kind of person who is not afraid to take risks and even use credit cards when necessary just to push through with an idea or project I have ... for missing payment whether it is for credit card, direct selling, and anything that has a due date ... the U.S., there are debt consolidation companies can be tapped to help out in managing your payments [more...]

Date: 2008-12-11 11:21:00

Do You Have Interest In "NO INTEREST"?

CarCareONE It's the solution to the question "Where do I get the money to fix my car? ... *No annual fee *Optional debt cancellation Keep your vehicle in tip-top shape with the CarCareONE card ... " CarCareONE is a credit card with a line of credit that is used just for your car. Now you don't [more...]

Date: 2008-12-11 18:02:14

Pinching pennies

Pinching pennies January 15th, 2009 1:14 pm by Gregory Phillips The National White Collar Crime Center says credit card charges of less than a dollar have been showing up on credit card bills nationwide from a fraudulent company called Adele Services, based in Melville, N.Y.. The company is apparently trying to get rich by stealing small [more...]

Date: 2009-01-15 18:14:19

I’ve Become a Victim of the Credit Crunch

I already knew the credit card companies considered me a deadbeat, but I didn’t think I was that bad.  Sheesh ... be at the moment.  I think that’s bull ish.  But I don’t carry a balance, so I can’t really get mad. 4. Navy Federal Credit Union Platinum Visa Limit: $20,000 Thoughts: Always nice to have a credit union [more...]

Date: 2009-01-08 11:12:43

Debt Management Ideas

by William Blake One of the fastest growing businesses in America right now is debt management ... your money. If you have trouble paying more than the minimum on your credit card bill, for instance ... if you can get yourself out of debt now. - Enter a Debt Counseling Program: There are good programs [more...]

Date: 2008-11-01 07:23:58

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

Van Jones Testifies on Green Collar Jobs, Makes Complicated Things Seem Simple

I’ve written about how much of a relief it is that adults have been put back in charge of our energy policy ... on credit cards. Lets get back to building rather than borrowing in the United States. … [more...]

Date: 2009-01-16 04:26:25

Debt consolidation Loan/Credit Card?

I have a bunch of credit card debt and am looking to consolidate it ... ( over 21% for one of them). The problem is being in a lot of debt i dont get enough credit ... with a perfect payment history but hight debt to available credit ratio can consolidate? It is nice [more...]

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

Unhappy Anniversary

A year ago today my house was broken into. It was around 5:30 am, and I was upstairs in bed, sleeping. I heard a crash ... you have to cancel all your credit cards, close your checking account, get a new driver's license [more...]

Date: 2009-01-12 01:04:00

Today Is A Better Day

A picture of me yesterdayYesterday, I spent the better part of the day trying to get my flight reservation to England fixed. After I had already paid my credit card bill for the flight to England, I noticed, much too late ... was on the ticket was from California. If my credit card number had been stolen, it seems to me that I would [more...]

Date: 2009-01-13 20:09:00

Green Panda Treehouse serves up a feast of a Carnival

A big thank-you to Green Panda Treehouse for the fantastic feast of a Carnival this week, from hors d’ouvres to the desserts ... an economic crisis. No Credit Needed describes how credit card companies calculate minimum monthly payments. Erase Debt shows how to get rid of debt with less stress. Finance Tips 101 reports on dealing [more...]

Date: 2008-12-02 09:36:21

Credit Card Debt

Are you having problems with not being able to pay down your credit cards and only paying interest each month? If so, then maybe you should consider debt consolidation. Many people let this get out of hand and don't do anything about it before it's too late. I know from experience, it would be nice to pay [more...]

Date: 2008-12-22 16:16:00

Debt Relief

Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]

Date: 2008-11-14 19:53:21

Debt Diet

A very cool article by MP Dunleavy talks about people getting serious about getting out of debt ... motivated and helped along she paid off $15k in credit card debt in 1 years!  What an accomplishment ... Matulock hit rock bottom.  She couldn’t afford her credit card minimums. They had escalated far and beyond [more...]

Date: 2008-10-29 15:36:54

Tracking My Finances In 2009: 10 January

Welcome to  tracking of income and expenses for the month ... for work because I ripped another one that I could not repair. It originally cost $30.00 ... (classified as a bill) and small credit card payments left until I get paid again at the end [more...]

Date: 2009-01-11 12:59:26

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

Expect Calm Under Pressure?

Experts tell us that when the going gets rough - brain chemicals get going. My question is, Do they move you into calm or chaos? ... in the dumps because you’re sinking under financial pressures or caught in credit card debt. Add ... that you are going to try a few solutions to pay off credit cards. For instance, you might download [more...]

Date: 2009-01-08 15:22:22

Loans Available to Aid in Debt Relief and Credit Management

by Carlton Ossinger Getting into debt is so incredibly easy ... of a professional. Debt consolidation companies and credit counseling ... . If you have more credit card debt than you would like, but are still able to do so, taking advantage [more...]

Date: 2009-01-11 09:06:20

Bid adieu to debts

The easiest thing that every human can do is to get into debts and have a troubled life altogether ... from debts only at a later stage. Credit cards have been the prime source that has dragged many to the bankruptcy. Credit cards debts are by far the most prominent since individuals or groups make [more...]

Date: 2009-01-10 02:11:56

Debts..yikes how do i overcome it

It is a human psycology that we spend more than we earn ... , I AM DEBT FREE!!! I thought I was going to have to spend my entire life paying off credit card bills ... for you to start saving money and get out of debt. Even if you have bad credit, debt consolidation [more...]

Date: 2008-09-02 20:03:23

Divorce Debt and Free Credit Reports

When individuals get divorced, one of the major problems that couples have during this already difficult time, is dealing with their finances. Many couples have high credit card balances in both of their names or have multiple debt issues ... out consolidation loans to minimize high balances into one lower payment. Couples can also speak directly [more...]

Date: 2008-11-24 17:02:57

Consolidating Your Debt May Help You In A Tough Economy

by John Brennan The present difficult economy affects each of us differently ... . If you simultaneously have an auto loan, credit card loan, home mortgage and other lines of credit at retail ... of credit have been extended, debt consolidation can help the individual get their life and finances back [more...]

Date: 2009-01-13 08:15:18

How to Get Out Of Debt

One of the most frustrating financial situations for a consumer is carrying unnecessary debt ... you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score, especially ... credit card debt, experience emotional stress that can make it difficult to enjoy other areas [more...]

Date: 2008-05-03 02:32:47

The Simple Dollar Weekly Roundup: Holiday Reading Edition

As the New Year rolls around, I find myself engrossed in several new books received over the holiday season ... a credit card to establish their credit history. (@ carrie & danielle) Is Your Business Prepared ... . (@ new york times via get rich slowly) The “One Big Lump” Theory of Your Money The advice here [more...]

Date: 2009-01-07 14:00:53

Going Back to School, Adding More Debt, Hoping I Made the Right Choice

I haven’t brought this up here on the blog yet, but one of my big plans for 2009 is going back to school and getting a Master’s Degree ... new laptop.Monthly Update: Credit Card Debt Payoff ... . The bad: I’ll be adding $25K - $30K of debt. If I don’t get a big salary increase I’ll be paying [more...]

Date: 2009-01-08 07:29:26

Ultimate Debt Guide - Get Out of Debt With Debt Consolidation?

by Ash Ford How to get out of debt by not filing for bankruptcy or by signing up to a long-term debt relief plan which has the potential to push you ... truth about the credit card game is clear to me now and you’ll learn why numerous people remain in debt ... and be in over your head with loans, credit cards, car payments, mortgages etc. Finding a way [more...]

Date: 2009-01-15 02:47:14

Debt Consolidation

Debt Consolidation December 29th, 2008 It is quite alarming to know that families find it hard to get by from day to day on average combined ... from and they have more than their loaned amount to pay from interest alone. Most credit card companies charge a whopping 400% interest per year if you aren’t really able to completely pay your credit card [more...]

Date: 2008-12-29 02:07:05

Plotting the Debt Reduction Course

It feels like it’s been months since I last accomplished a financial goal. In fact, it *has* been months. It’s getting me down. I eliminated $28k+ worth of credit card debt way back on March 27 with a $508.13 payment ... , you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals [more...]

Date: 2008-06-12 16:55:34

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