What The Hell Is Leveraging? [Leveraging]
Leverage leverage leverage. Everyone's talking about it, but what does it mean? Basically it's a fancy word for debt, and companies can use that money to go buy more stuff ... securities then you've got a problem. Or, as Paddy Hirsch learns us in his latest whiteboard explainer [more...]
Date: 2008-12-09 23:35:32
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How To Get Out Of Credit Card Debt On My Own
I am sick and tired about my awful state of financial affairs. I got sick back in January and as a result I had to leave my occupation ... up as they shall be overcome. Post from: Bankruptcy Articles How To Get Out Of Credit Card Debt ... t know what to do. I tried to call three of my credit card companies and was just told I needed to pay. While [more...]
Date: 2008-10-18 01:04:52
Openly gay priest to deliver inaugural invocation
Pro-gay priests at the inauguration, anti-gay priests at the inauguration. I guess now Obama's got all his bases covered ... close working partnership with the New Hampshire Community Loan Fund, advocated for debt relief ... Christian denomination, is a member of the Human Rights Campaign Religion Council. “Bishop Robinson models [more...]
Date: 2009-01-12 20:20:20
Got a tip for a post?: Email us | Anonymous form Get PEEK in your mailbox! ... of secured debt insured by the FDIC. Yet, as with almost all banks, it has been tightening its credit [more...]
Date: 2008-12-08 18:30:08
Nearly there....
Some of you might have noticed that the forum is looking normal again ... all the posts so we owe him a huge debt of gratitude for all his efforts.thanks.FordJust a brief update. All is looking good. We've still got everything in the forum but to ensure everyone's posts [more...]
Date: 2009-01-13 14:29:00
Blog Your Way to $13,000
You can blog anytime, anywhere…as long as you have access to a computer. The following is a guest post by Amy at My Daily Dollars ... -card debt. Along with that, I also completely paid for our wedding. All told, I came ... . How? Since I got my first credit card at the age of twenty-one, I have always carried a balance [more...]
Date: 2008-11-13 14:05:07
IZVESTIA: Russian Expert Says America Will Decline and Break Up
A Russian expert was quoted in the Russian daily, Izvestia, predicting America’s decline and ultimate break-up. I absolutely concur with the man ... rent, one got an expensive car with a big monthly payment, they went halves on a huge plasma TV ... on debt. The bills are now coming due and there is panic in the air. The drunken spending orgy [more...]
Date: 2008-11-25 19:29:53
Mel Preston on "Publication: A New Book 'Pakistan's Strategic Culture and FP Making"
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Date: 2008-12-05 17:52:21
Balance your checkbook with Clearcheckbook
I have to confess I am rather into money management apps, although I never actually got into any of them, except for one of the best, Clearcheckbook ... . I use Clearcheckbook mainly for managing my debt situation, which I am sorry to say is quite bad ... . You can have standard accounts like checking, savings, credit but you can also enter your own types [more...]
Date: 2008-12-25 00:23:33
Cash to Close - A Basic Primer
Cash to close has always been an underwriting standard, but more people are running into it as a reason why they cannot buy that property, ... and debt to income ratio. Not only do you have to have the money for the down payment, you've got [more...]
Date: 2008-12-01 14:46:23
The Water Bill
Quick one tonight! I got a water bill today, no surprises there, it happens. The bill reads: “Final Demand Overdue Amount: £5 ... to a Debt Collection Agency or by court action. … … THIS SITUATION IS SERIOUS - ACT NOW TO AVOID ... notice with a thread of debt collection or legal action. And this isn’t the first time either [more...]
Date: 2009-01-11 01:28:15
Money woes
Urgh. I just did some calculations (thanks, Microsoft Excel!) and I came to a conclusion that I will be debt-free by next year ... it out of the house to spend on a splurge. Trust me, people, if you haven’t got a credit card yet, DON’T GET ONE. I’m so peeved at how I can spend so much more than I can afford with a stupid credit card [more...]
Date: 2008-07-16 13:03:25
Big Information Technology Firms Still Struggling Financially
It was the Search Engine Company Yahoo that got headlines for the most part of 2008 ... sure their long term viability. Some of the usual Financial Services includes debt management ... Jerry Yang to give way for a new CEO of Yahoo. Despite the management move Yahoo stocks are still [more...]
Date: 2009-01-15 09:14:26
Instahoglets for Jan 2, 2009
By BJ And so now I have to remember to start putting '09' down when I sign and date things, just after I finally got used to using '08' ... as much as possible, and given I already needed student loans, the idea of adding additional debt seemed [more...]
Date: 2009-01-02 19:22:51
Excuses, Excuses, Excuses
Every time I think I’ve heard it all, someone pops up with a new way to excuse the fact that their money management is in the crapper. Here are some of my favs: “We got a consolidation loan and paid off our credit cards.” Really ... . Consolidation makes sense when you then work aggressively to repay the debt. But most people don’ [more...]
Date: 2008-12-10 10:11:44
Jemma’s Story
I am a 21 yr old female who through depression the last 2 years I have spent all my money on bingo/slots online casinos etc now I cry myself to sleep because I’m so in debt. I can’t accept help which is my problem, I’m maxed out on my credit card and on my overdraft, I even got a loan out just simply because I could and practically blew [more...]
Date: 2009-01-14 11:11:16
on it again
My friend just got home 1 month earlier my father, she too works in a cruise line! ... that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider when applying [more...]
Date: 2008-11-11 14:09:18
Odds And Ends
Odds And Ends December 5, 2008 OJ got off for an alleged murder, but could spend as much as 33 years in prison for armed robbery ... committee is still in debt. The US lost 533,000 jobs in November alone. This blogger believes ... featured Obama's 27-year-old speechwriter that depicted him groping a cardboard cutout of Clinton [more...]
Date: 2008-12-05 22:10:44
To Loan or Not To Loan
I got a SMS from an old friend this morning at 6am.Can you lend me $2,000 as I need to pay off my debts this week? I will pay you back in monthly installments when I get my pay. If you dont have the money, then its alright.Firstly, it was a surprise to hear from this friend after more than a year. But it came [more...]
Date: 2009-01-15 09:20:00
My Debt Story: An Introduction
This post is from April Dykman, a new GRS Staff Writer. April was a typical GRS reader who used the things we talk about to improve her financial situation. Now that she’ll be writing for the site, she wanted to start by sharing some background on her financial history. In April 2008, I got married. My in-laws graciously gifted my husband, Luis, and me with an adventurous honeymoon in Mexico, complete with scuba diving, climbing Mayan pyramids, and navigating local markets. [more...]
Date: 2009-09-04 12:00:39
Insider Tips About The Chapter 13 Bankruptcy Forms
consumer law Chapter 13 bankruptcy forms are available to Americans in need to offer a second chance. You may berate yourself and wonder how you got into such a predicament, but the truth is that over one million people ended up filing bankruptcy forms in 2008 and the numbers are climbing in 2009. No matter what your case may be, you don’t have to suffer wage garnishment, foreclosure, repossession, insurmountable debts or harassing creditors and collection callers. [more...]
Date: 2009-09-08 17:54:32
Get Out Of Debt, Finally!
by Mike Edwards Everyone was affected by the recent, or rather, current US recession. From multinationals to car dealerships, to local pet stores, a lot had to close shop. The people whose employment or livelihood depended on these businesses eventually lost their homes and other possessions when they eventually got repossessed by the banks. The unemployed who had active mortgages eventually lost their homes or their cars, among other things. [more...]
Date: 2009-08-28 08:11:20
Markets Decidedly Down, and Expect More
FinancialSpiltMilk submits: Let me apologize up front, but I just got in a new shipment from Amazon.com and have a lot of reading to do ... Orders, U.S. Sales Fall; Sony Drops Apple CEO Steve Jobs Will Take Medical Leave Through June; Shares ... to Highest in a Decade on Government Debt Guarantees Ford, Chrysler Pull Out of Tokyo Automotive [more...]
Date: 2009-01-15 09:19:06
Protect Insurance Companies PSA
Will Ferrell, Jon Hamm and a few other Hollywood celebrities got together and put together this PSA explaining why it’s important for Americans to protect the big insurance companies. These Guys Are Some Rich Dicks New Credit Card Laws Dow Joes - He'll Put You In Debt Online Q&A With Will Ferrell Will Ferrell Fights With A Bat Padded Light Posts - Protecting Bodies Not Smart Enough To Protect Themselves [more...]
Date: 2009-09-22 16:00:09
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
Hello PF! What’s up? Long time no see.
I met a theory in a class my senior year of college that I wish I had known before I got out of high school ... no sometimes”, and “Put the credit card down sir. Nice and slow”. This class taught me so many useful ... % $280.00 Debt 10 [more...]
Date: 2009-01-08 23:53:26
What It Feels Like to Be In Debt
Creative Commons License photo credit: youreyes A dark feeling rises from the pit of your stomach and a wave of heat courses over your face ... you ask yourself. It all started innocently enough, a card here, a deserved vacation there and when cash got a little tight, you used the credit cards for necessities to make the short month stretch [more...]
Date: 2008-07-18 14:47:50
My 30th Year, reflected upon on my 31st birthday
Luke & me at my 30th birthday party, mere hours after we got engaged. I had to wear my ring on my thumb because it was so big ... ), worked with double the clients I had in the past, paid off $6K in debt, launched whenigrowupcoach.com ... I can, and there will be a payoff not only at the end of the journey, but during it as well. I became someone [more...]
Date: 2009-01-14 16:02:20
Got a tip for a post?: Email us | Anonymous form Get PEEK in your mailbox! ... accept limits on executive compensation and eliminate perks such as corporate jets. Debt owed ... and emissions requirements. Firms must not issue new dividends while they owe government debt. Yet [more...]
Date: 2008-12-19 21:20:04
on mortgage talks
A childhood friend just got home 1 month earlier my father, she too works in a cruise line! ... 1 in the states that helped millions of people with their house financing, debt consolidation and equity loans. like this company, good and renowned service must be the first thing to consider [more...]
Date: 2008-10-27 13:51:27
missed.
I got a call from my credit card company today telling me that my due date had gone past already! argh! how could i miss it for the world?! ... or if I actually need a debt help or something because they are actually offering free help with debt and even credit counseling. That is one of the many effects of the holiday season and the birthday [more...]
Date: 2008-11-06 15:46:16
Higher Education is Way Too Expensive
Nirmal’s piece last week on University lectures in the public domain got me thinking ... just the university’s students. This is absolutely correct, but he didn’t get into just how big of a problem ... to the exorbitant costs, those who do are often buried in debt. For example, in my home state of Ohio 67 [more...]
Date: 2008-12-12 22:22:45
So I Just Got a New Credit Card.
My move back to the U.S. from England recently, generated a bit of ‘international moving expenses’ for us ... balance transfer credit card deals to be had, but I was wrong. There still are. So what Pam ... For Your Protection’. Anyway, I hate debt but after moving back I wanted to see what other financial surprises [more...]
Date: 2008-10-02 15:20:50
Mortgage Market Week in Review
I’ve got to tell you, I’d love to be able to write one of my Friday updates and tell you about some good news or tell you, “You know, ... side (the stock markets) and the debt side (bonds, loans, mortgages, Fed Funds, and all other types ... of a few firms, a total meltdown. On the debt side, it really was very close to a nuclear reactor [more...]
Date: 2008-09-19 20:26:22
Weighted Average Cost of Capital Doesn't Include Everything
Or: Figures don't lie, but Liars Sure do Figure! We've got a lot of people with loans in the low fives, interest rate wise, ... : $350,000 first at 5.25% $100,000 second at 8.5% $50,000 consumer debt at 12% This person then used ... that there's enough equity in the property to absorb the full amount of excess debt without PMI. Robert [more...]
Date: 2009-01-11 17:50:23
We’re saving for retirement!
Last week, I questioned when we should start saving for retirement. I got a lot of great advice from readers (thanks!) ... that didn’t require a minimum investment. Our main priorities are student loan repayment ... of our accounts. We’ll increase that amount later as our income increases and our debt decreases. After [more...]
Date: 2009-01-10 17:05:37
How long should it take a dealer to finance you. I got the car 2 weeks ago and haven’t heard of financingisdon
June 17th, 2009 Posted in Finance Q&AI went about 2 weeks ago to try to financial a car. we have bad credit tall income to debt comparative measure as well as upon debt managment. It should take them which prolonged to see if we can get financed right? we keep job as well as withdrawal messages as well as they have been not returning my calls. [more...]
Date: 2009-06-17 01:40:46
Wednesday…Bytemarks Cafe this afternoon on HPR, Food Bank can’t meet demand, newspaper bubble, Waikiki 1972
If you’ve got nothing better to do this afternoon, consider tuning in to Bytemarks Cafe on Hawaii Public Radio’s KIPO (89.3 FM) from 5-6 p.m ... and consolidation fueled by high amounts of debt and leverage. But the companies in the weakest ... , The Chicago Tribune and 23 television stations, a transaction that almost tripled the company’s debt [more...]
Date: 2008-12-10 15:53:19
Of Course It’s Worse Than They’re Telling Us
Anglachel Naked Capitalism got this email from a Wall St. staffer and it seems there are (not that we’re surprised) ... good during this negotiation (or really, during any showdowns with this administration) at forcing ... is to go in and buy up the distressed debt and then convert that to equity. [more...]
Date: 2008-09-23 02:17:55
Bonus Day!
Got my year end bonus today deposited to my bank account. SWEET! First order of business was to completely wipe out my credit card and line of credit debt. I’m on track this month to have my best absolute monthly net worth increase since I started recording [more...]
Date: 2009-01-15 18:49:31
The Real Janet
KPNX viewers got a glimpse of the real Janet Napolitano during a meeting of the State Loan Commission ... for a few years, actually increased our lifestyle by spending down our 401k and refinancing our house ... out of this within a fiscal year. Increasing long term debt to cover operating expenses is clearly [more...]
Date: 2009-01-09 18:34:29
Advice for a 19-year-old guitarist who wants to be a session musician.
I got an email today from a 19-year old guitarist from Alabama who wants to be a session guitarist, is tempted to go to Musicians’ Institute in Hollywood, but is overwhelmed by the expense that would put him into debt for decades. He asked my advice, so here it is: School won’t give you much [more...]
Date: 2009-01-08 14:42:18
Sustainable Sales Growth (3)
In short, when it comes to sustainable growth, as the song says, something’s got to give. Let’s now look at the sustainable-growth formula ... generated cash flow, and just enough in the way of additional liabilities to keep the debt-to-equity ratio from rising. Taken From : Cash Rules [more...]
Date: 2009-01-07 08:29:29
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
The New York Times: Defunct by May? Um, Maybe not.
Michael Hirschorn got news industry observers sputtering last week by opining that, based on his analysis of the New York Times Company's balance sheet, the Great Gray Lady might run ... will have to be taken over the next five months or the paper will default on some $400million in debt [more...]
Date: 2009-01-14 03:07:57
The Student Debt Dilemma
mediocre student, so I can understand why I wasn't accepted there; but the other school that rejected me was a huge state school. I always wondered why some of my classmates got into that school and I didn't - we didn't have particularly different grades or recommendations [more...]
Date: 2009-01-08 06:59:00
Pence Challenges Americans To ‘Check’ His Facts: Guess What? He’s Got Them Wrong
Appearing on CSPAN’s Washington Journal this morning, Rep. Mike Pence (R-IN), the third ranking Republican in the House, repeatedly claimed that the solution to the economic ... that the caller was right that Reagan “saw deficits and the national debt grow,” but claimed [more...]
Date: 2009-01-06 22:36:54
Stuff does not equal wealth
People often say to me about someone else they know: "He's got a lot of money," or "They're loaded." Does that sound all too familiar? ... , or, what's the nature of that person's personal balance sheet? Are the assets encumbered by debt [more...]
Date: 2008-11-17 15:03:55
Bitch of the Day
My school insurance didn’t cover Gardasil, the HPV vaccine. So I waited until I got a job, found a new doctor and started on private insurance ... . What’s another $600 when I already have $200,000 in student loan debt, right? The U.S. health [more...]
Date: 2008-11-24 16:33:25
How to Using Paypal for Beginner Tutorial
I got request from my Deviant Account. They asked me to create How to use Paypal tutorial ... . You will get this view 4. You can see “To do List” section on right side. Press “Link and confirm my debt [more...]
Date: 2009-01-08 17:01:01
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