City hall lowers tax levy with $3.54 million budget
By MICHELLE MCLEAN Lower taxes. Hillsboro city commissioners approved a $3.54 million budget for 2009 and lowered the mill levy by 3.8 mills ... debt service for previous improvement projects and amount to a flow-through sums — taxes collected [more...]
Date: 2008-10-10 16:50:00
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Senators Kyl, Corker Warm to Detroit Bankruptcy Plan
Detroit’s automakers insist bankruptcy is not an option, but a number of U.S. lawmakers aren’t so sure ... certain concessions, such as lower wages and benefits for union members or debt relief [more...]
Date: 2008-12-03 13:46:00
All Time Low Mortgage Rates For A++ Borrowers Only
As discussed on December 31, 2008 many homeowners attempting to lower their mortgage rate apply for a refinance, ... income (debt ratio of 32% or less) and substantial equity in the home (loan to value of 75% or less ... and won’t get approved. Only about a third of U.S. mortgage debt outstanding is likely to qualify [more...]
Date: 2009-01-15 08:09:46
What You Need To Know about Tax Debt Relief
The IRS does have the option of reevaluating the amount of taxes that you owe, and this will often result in a lower amount of debt [more...]
Date: 2009-09-29 08:10:48
Goal for this Year
What is your goal this coming year? Well, as for me, ... talking about my outstanding balances with my four credit cards. Yes! I was qualified ... of a debt consolidation service. These services are provided to help lower your bills [more...]
Date: 2009-01-14 12:23:40
Guest Post - Failure to Plan
Hello to the readers of Living Almost Large! It’s hard to believe 2008 is almost over and the last year of this decade is about to begin! ... and don’t need. 2. If you have credit card debt, call the credit card company and ask for a lower ... no. 3. Ask your bank to eliminate your banking fees or find a bank that will. There are so many [more...]
Date: 2008-12-29 14:00:32
Are you looking at every possible debt settlement option?
Typically when someone enters a debt settlement program they need to fit a set of criteria that includes having at least $10,000 in bad consumer debt and a very good reason why the debt has become delinquent. Valid reasons include loss of job, lowered income, divorce, medical issues, and even limited fixed income. [more...]
Date: 2009-09-25 22:34:00
How To Pay Off $14,330 In 20 Months
Written by Ben Popken Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: “This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of [more...]
Date: 2008-10-07 18:29:39
Reader Pays Off $14,330 In 20 Months With Our Tips [Debt]
Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: "This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of them. In once [more...]
Date: 2008-10-06 20:35:27
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
consumer credit counseling
A consumer credit counseling service may be right for you if you are behind on your debts and not being able to make even the minimum payments. A reputable credit counseling agency can help to stop collection calls ... into one lower monthly payment. Some of them can help you have your debt paid off in three to five years [more...]
Date: 2008-11-28 02:21:05
21 Ways To Save Some Cash By Letting Your Fingers Do The Walking
The twin mantras of a great personal finance strategy is to make extra money and spend less than you earn ... your credit card company. If you’re maintaining a balance (and hopefully working to become debt free), call your credit card company and ask for a lower interest rate. The national average is around [more...]
Date: 2009-01-07 06:01:46
WHY IS THIS RECESSION SO SERIOUS? By Dr. Laurie Roth
January 9, 2009 NewsWithViews.comThe only way to save the U.S ... talks about how it doesn’t work anymore to stimulate consumer demand by lowering interest rates. People still won’t buy because this time around their debt is too high, homes [more...]
Date: 2009-01-13 13:50:02
HOW TO HELP PEOPLE WHOSE HOME VALUES ARE UNDERWATER
The more than 12 million homeowners with mortgage debt have an incentive to default because mortgages are generally "no-recourse" ... or income to make up the difference between the unpaid loan balance and the lower value of the house ... up about $27,000 of potentially uncollectible debt but would avoid the extra loss of value that comes with selling [more...]
Date: 2008-11-19 14:59:56
What Does HomeAway VC Funding Mean to Orlando Vacation Home Market?
Eyebrows were raised earlier this week when HomeAway, an Austin, Texas based vacation tech company, ... opportunities for the company to pay down debt, insiders to cash in a little equity ... as a result of lower gas pricing for consumers. 3. Grow its presence in the vacation home managment [more...]
Date: 2008-11-15 05:35:15
The Personal Finance Secrets “They” Don’t Want You to Know About
I get asked to review all sorts of crazy personal finance books, plans, programs, and schemes all the time, ... and negotiate lower rates (or in some cases a balance reduction), adopt a very strong debt repayment ... you attempt to buy your bad debt from the creditor (and then obviously dismiss it), but the legal [more...]
Date: 2008-08-30 17:00:11
WSF Headline Roundup - 1/8/09 - SEC Probes Pequot again; Wal-Mart warns; India's Enron; Frank: TARP aid for munis; Mtge rates < 5%; BOE cuts rates to lowest since 1694!; Intel warns; Lower '09 metals prices?; Other retailers warn; MGM Mirage to cut debt
SEC Reopens Probe of Trading at Pequot Wal-Mart’s Fourth-Quarter Earnings Will Miss Forecast $1bn fraud at India IT group Satyam Accounting Scandal ... sales MGM Mirage’s CEO to ‘Dramatically’ Cut Debt, May Sell Casinos SEC Reopens Probe of Trading [more...]
Date: 2009-01-08 13:40:42
Weekend Roundup- The Best of Think Your Way To Wealth 2008 Edition
Another one bites the dust! Another year, that is. I started Think Your Way To Wealth in February of 2008, ... to Money? Use Extreme Measures to Eliminate Your Debt or Increase Savings March 30 Ways To Stretch ... With Your Frugality April Lower Your Medical Bills Through Negotiation, Cost Comparison, and Haggling Lies We Tell [more...]
Date: 2009-01-05 04:19:16
The Secrets Of How To Consolidate Debt
If you find yourself facing a mountain of monthly payments and see your outstanding loan balances hovering at the exact same amount for months or ... consolidation method is to transfer high-rate credit cards to a lower-rate card. However, consumers ... even years, you may be wondering how to consolidate debt in a way that protects your credit score [more...]
Date: 2009-01-15 01:32:23
Protecting Your Good Credit
It’s safe to say that if you have built a good credit score, you’d like to keep it that way. Who wouldn’t? ... . If you have a good credit score, but can foresee rougher roads ahead, maybe you should consider debt consolidation ... appear to be a larger payment, in fact you are paying a lower payment to each individual company [more...]
Date: 2009-01-16 03:45:25
Homeowner Loans
About Champion Finance Champion Finance is a UK based finance company that provide competitive any purpose homeowner loans, secured loans and debt consolidation services starting from as low as 7.5%. Champion Finance works ... the New Year with lowering your monthly outgoings If you have an overdraft, credit cards or any other [more...]
Date: 2009-01-07 17:46:30
Are mortgage rates heading lower
As the stock market gains new ground investors are looking to short rates as a marker for future interest rates ... . As applications for home loans have actually seen an increase. This is a good sign for those who provide debt consolidation loans, as more people are now getting back into the market to look to lower [more...]
Date: 2009-01-10 13:42:54
NY Times And Tribune Company Sinking Fast
—DrewM. The New York Times seems to be having some cash flow problems ... be the company's best option for averting a cash flow problem next year. Standard & Poor's recently lowered ... this year, closed on Friday at $7.64, down 30 cents. Ah, piling on new debt on during a time [more...]
Date: 2008-12-08 16:04:14
UBS More Optimistic About Silver Wheaton's Credit Risks
Silver Wheaton Corp. (SLW) was upgraded to a “buy” at UBS as a result of a more optimistic view of the risks associated with its credit facilities. Analyst Dan Rollins expects that it will be able to renegotiate its debt covenants and de-lever ... were also below original expectations as a result of lower-than-anticipated production [more...]
Date: 2009-01-14 16:29:21
TARP II: The Wrath of TALF
In normal times the Federal Reserve responds to crises by using teeny, gold-plated hydraulic levers to raise and lower interest rates ... which it will lend up to $200 billion to support the issuance of debt backed by consumer and small-business debt -- such as credit-card loans, student debt, auto loans and loans backed by the Small [more...]
Date: 2008-11-26 15:35:02
Help Me With My Debts
We have been living in a two bedroom condominium since 2004 and as the baby grows I think we need a bigger space and a backyard for barbecues, ... . Right now, we are still paying two car notes and some credit card bills so we are looking to consolidate debt first to ease up with our monthly payments. At least, if we would be able to lower [more...]
Date: 2008-09-10 18:36:07
Why Should I Incorporate?
Benefits of Incorporating(A) Separate Legal EntityThe act of incorporating creates a legal entity called a corporation, commonly referred to as a " ... , go into debt, enter into contracts, sue or be sued. A corporation's money and other assets belong ... is generally lower than the individual tax rate, incorporation may offer you some fiscal advantages [more...]
Date: 2009-01-08 21:03:00
Tories versus loan companies
Tory Housing Spokesman Grant Shapps recently published a report entitled Pay-Day for Loan Sharks which complains that companies lending small sums of ... has been warning about the massive rise in personal debt since well before Labour’s recession hit, but if the government thinks that the problem will be solved by lower official interest rates then [more...]
Date: 2009-01-09 12:08:03
Short Selling Ban May Raise Cost of Selling Convertible Bonds
As those who are following the banking industry know full well, bank stock prices are so depressed that selling new shares is at best unattractive, ... hurting the market for convertible debt, another favored way for banks to raise capital ... arbitrage, coupled with the removal of the funds’ ability to lower the risk of holding bonds by short [more...]
Date: 2008-09-25 06:36:29
Use Government Grants and Scholarships to Rid Yourself of Debt and Bills!
The government has put a plan into place to help ease up the effects of the crisis on lower income families. The definition of lower income families may not be as low as most people think. If a family earns less than $30,000 a year, then they are eligible to apply for some of these grants. There are a number of grants that are available depending on your personal circumstances and there are also programs specifically designed to help various groups of people. [more...]
Date: 2009-09-18 12:52:18
Property expert: Can I lend or donate money to my children?
Q I am over 70 and have at least £100,000 in an e-savings account, as well as £35,000 in fixed-rate bonds ... to reduce their outstanding debts, but would it be better to concentrate on the fixed-term loan ... at a rate of interest that is lower than that they are being charged by their mortgage lenders [more...]
Date: 2009-01-14 00:10:01
Eight reasons why we are in a depression
1. We have zombie banks. 2. There is considerable regulatory uncertainty in banking and finance. 3. There is a negative wealth effect from lower home and asset prices. 4. There is a big sectoral shift out of real estate, luxury goods, and debt-financed consumption. 5. Some of the automakers [more...]
Date: 2009-01-11 13:03:56
Alt-A and ARM resets could trigger another crisis!!!
We are winding down out of subprime and going into Alt-A and ARM resets. We have government funding for homes in two ways. One, incentives with lower rates and tax credits, but, there is more. The GSE’s are allowing loans that are 105% and where the monthly debt to income is over 60%. These loans have high default rates and we will pay the price as unemployment stays high. quote Let’s look at a few facts: The Fed is literally the entire mortgage market. Yes, really. [more...]
Date: 2009-09-29 18:15:58
Shrink Your Debt
From Entrepreneur.com : In general, the best choices for debt negotiation and settlement are unsecured loans and credit cards. Since there is no collateral that can be attached to satisfy the debt, creditors are more likely to negotiate to avoid writing off the entire debt. The two most common approaches for debt negotiation are to pay a lump sum that is less than the total amount owed, or to restructure the payment schedule with lower monthly payments. [more...]
Date: 2009-09-14 14:00:00
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
Don’t Make Credit Decisions Based On Last Year’s Recommendations!
When I was taking a political science class in college, we learned about the problem of “fighting the last war ... about the advice of many newspaper columnists on credit card debt currently. They may be right ... years but now seems to miss the point of the credit crisis. If your credit card provider lowers [more...]
Date: 2009-01-08 23:46:33
How Should We Help Underwater Home Owers ?
Martin Feldstein has another plan to fix housing. It is a variation of the 30/20/10 plan I proposed earlier in the year, ... , recourse loan: “More than 12 million homeowners now have mortgage debt that exceeds the value ... take other assets or income to make up the difference between the unpaid loan balance and the lower [more...]
Date: 2008-11-18 12:40:23
Debt relief Deals “attack on the confidence of consumers”
How’d you to your monthly credit card payments and loans - guaranteed? ... said Carol creditors can lower their interest rates. Carol, who can pay their credit card, mortgages ... rate or reduce the amount you are liable. But beware! Some of these programs are debt relief Scams [more...]
Date: 2008-07-18 10:38:03
Debt Buyer Beware
If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]
Date: 2009-09-29 15:22:37
The Socialist Strategy
By Daniel Greenfield Tuesday, September 29, 2009 Government is essentially a national management system, taking on those tasks that it would be unwise or unworkable to turn over to the free market. Good government functions as intended. Bad government takes over the nation and becomes an absolute force, looting and raiding public resources, suppressing individual freedoms in order to keep itself in power. In olden days this sort of government was considered a tyranny. [more...]
Date: 2009-09-29 21:15:03
Can debt negotiation organizations be of assistance?
The most rapid and least expensive program to get out of debt besides chapter 7 bankruptcy is to negotiate your credit card debt. There are a plethora of ethical debt settlement companies doing a good job that could aide you in negotiating your accounts down to the lowest amount possible. What they do is reach your collectors and honestly go to battle, looking to have the account look as if paid in full for a sum drastically lower than what was owed before. [more...]
Date: 2009-09-19 19:14:59
Pimco Warns of Deflation To Come
Though inflation fears are popping up all over the place — particularly in ads for inflation-hedging investments such as gold — Pimco’s Bill Gross still believes economic activity is weak and he is warning of deflation ahead, not inflation. This Bloomberg pieces gives his thoughts . Be wary though of the headline because I believe it is incorrect as I point out below: Pimco’s Gross Buys Treasuries Amid Deflation Concern (Bloomberg, September 29, 2009, Thomas R. [more...]
Date: 2009-09-29 21:08:23
Market Commentary From Monty Guild
Dear CIGAs, The end of September is here. We wish you a happy and healthy fall season in the northern hemisphere and spring in the southern hemisphere. THE G-20 MEETING Last Thursday and Friday, the G-20 meeting was held in Pittsburgh. At this meeting, it was decided that world economic power, which had been the bailiwick of the eight G-8 countries, should be broadened to give more voice to twelve additional countries. This gives the G-20 power to set world economic policies. The [more...]
Date: 2009-09-29 19:30:43
Five Ways To Profit From The Commodity Nobody Likes
Five Ways To Profit From The Commodity Nobody Likes Tony Daltorio, Investment U Research Forget Superman… the real man of steel is Lakshmi Mittal, chairman of the world’s biggest steelmaker, Arcelor Mittal ADR (NYSE: MT ). Mittal has built an empire – and a personal fortune – by being optimistic when it comes to the global steel industry. And he still maintains that confidence today, recently going on record to say that global demand could rise by more than 10% in 2010. [more...]
Date: 2009-09-29 15:29:04
Following Grueling Financial Times You Can Re-establish Your Credit
September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]
Date: 2009-09-29 17:00:00
A bloody mess…
F or reading up on commercial real estate, Robert Knakal’s blog is one of my favorite sites. His topics are of interest. He has good commenters that are knowledgable about the commercial real estate business and his writing is accessible to the layperson. His latest post is the perfect summary of the significant problem facing commercial real estate properties, a problem that will plague commercial real estate for years, as it is estimated that there will be in excess of $ 1 trillion [more...]
Date: 2009-09-29 19:18:07
WSN Bungles the UCSC Occupation
The University of California – Santa Cruz student occupation has been another addition to the chaos of California’s budget crisis. On Friday, my colleague Ned wrote a post about the UCSC occupation with the title, “UCSC Students Go All TBNYU On the Administration.” Yesterday, the Washington Square News ran a piece titled, “Occupation at UCSC similar to TBNYU’s,” along with a staff editorial agreeing with the UCSC students’ reasoning while condemning their methods. [more...]
Date: 2009-09-29 14:34:28
Behind the Gambit in the A.S.C.-Xerox Deal
DealBook’s Andrew Ross Sorkin makes the case that the uptick in the stock market and the slow return of credit are reviving the mergers and acquisitions market. The question, however, is not whether the M.&A. market will revive, but instead whether everyone will simply go back to the old party and its bad practices. The question arises yet again as a result of Darwin Deason’s latest gambit. Mr. Deason is the chairman of Affiliated Computer Services, and owns a near-controlling stake in the company. [more...]
Date: 2009-09-29 20:26:36
Benefits Of Student Loan Consolidation
If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!by Layla VanderbiltAre you having difficulties making your monthly payments for the student loans that you have availed of? If you are facing some financial problem due to which you are unable to service your loan, you should go for student loan consolidation. Whether your financial miseries are due to poor credit score, possibility of forbearance or deferment, loan consolidation is a way out of your financial mess. [more...]
Date: 2009-09-29 14:26:36
Spending our way out of debt.......from Rico
Don't try this at home! Spending your way out of debt, by creating more debt just doesn't work for individuals, or nations. The OECD chart illustrates that public spending on the back of unsustainable tax revenues leads to structural deficits which will NOT vanish after the crisis is over. Policy measures across many nations will prolong the recession/depression, and lead to lower tax revenues and higher unemployment. [more...]
Date: 2009-09-29 07:14:00
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