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

Blog posts (754) | Videos (660)
 

Review: Financial Infidelity

Each Friday, The Simple Dollar reviews a personal finance book of interest. ... that can be the earliest cracks in the foundation of a marriage. A little withheld truth about a credit card debt ... some incredibly devastating tales of woe - suddenly discovered five-figure credit card bills, closets full [more...]

Date: 2008-08-22 14:00:37

Consumer Groups Blast Banks' Card 'Tricks'

If credit cardholders feel worse off since the passage of the law designed to protect them from banks, that's because they are. An avalanche of new fees, interest rate hikes and other costly changes since the law was signed in May suggest the Credit Card Accountability, Responsibility and Disclosure Act, or the CARD Act, has backfired. [more...]

Date: 2009-09-29 19:40:03

Where Are The 12 Month 0% No Balance Transfer Fee Credit Card Offers?

The credit crisis is bumming me out. Because of the current economic recession, an important source of free money and money making opportunities has all but dried up on me and pretty much everyone else in the country. I’m talking about lucrative balance transfer credit cards - namely, [more...]

Date: 2008-09-30 02:50:48

Advanta Business Credit Cards: A Closer Look

The credit card wars continue to heat up and that spells “good news” for consumers ... , has thrown the gauntlet down and is now offering a low APR on balances until the debt is paid off. Let [more...]

Date: 2009-01-15 23:33:16

Debt Consolidation: Don’t Dismiss Consolidation, It Can Help!

Amazon.de Widgets Consolidating Debt is often regarded by many as a sign of personal financial mismanagement when in fact it is quite the opposite as this article outlines.Debt consolidation is often considered a last choice option for people who are struggling with paying their credit card debt. Many believe that to consolidate credit debt is akin to saying that they cannot support themselves. If they were to collect some debt consolidation information, their attitude might change. [more...]

Date: 2009-09-15 14:00:05

Paulson's New Program: Giving People Money They Can't Afford To Spend

The news is as old as the Magna Carta. The consumer is broke. He does not have a dime. He is out of work. He is defaulting on his home equity loan, and the bank has reposed his credit card. It may ... of auto loans, student loans and credit cards." The head of the Treasury is concerned that people [more...]

Date: 2008-11-25 10:50:07

First line of defense.

today we are going to discuss webhosting signup and domain registration fraud ... fraud detection services”. run all new orders through maxmind. this system compares the credit card ... and not me able to process any credit card payments. every [more...]

Date: 2009-01-15 13:39:24

Travel Tips From A Japanese Travel Agent

This is a fantastic email forward that’s going around that was written by an American citizen that lives in Japan: ... a credit card, in order to make them spend more money. We suggest politely declining offers of credit ... store, they will ask you if you want to open a credit card account. They are *not* asking whether [more...]

Date: 2009-01-16 03:16:14

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

Identity Theft Protection

Identity Theft has become one of the biggest crime these days.It is becoming a big problem which can result in million dollars of damage each year ... Security Cards, bank accounts, credit card numbers, etc., a criminal will attempt to open up accounts ... one of us.We are all suffering because of this crime. ID Theft is nothing but a type of  consumer fr [more...]

Date: 2009-01-15 16:00:55

Nader: Obama might not protect consumers

Not since the 1960s, when seat belts became standard equipment in cars, has the atmosphere been so favorable for consumer-friendly reform ... have just elected a president who has promised to reform the credit card industry, bankruptcy law, and toy ... has received more campaign donations for his Senate campaigns from credit card issuers than any other [more...]

Date: 2008-11-07 10:00:00

Weekly Roundup - The Internet is Dead Edition

We just got back from vacation today and I was delighted to find that our internet is down due to a dead DSL modem. I’ve been in touch with AT&T ( ... … Credit Card Addict covered what merchants can and cannot do when it comes to limiting the acceptance of credit cards. Ben talked about saving money on gas. I’ve recently written up some gas saving [more...]

Date: 2008-06-29 22:35:55

Turning Attention to Christmas Bills

When I was a kid I remember being so depressed the day after Christmas, knowing Santa would not make a return trip for some 364 days ... and pen, and listing each of your credit cards.  Update each card’s balance with current information ... -in-law” syndrome. The symptoms include overspending around the holidays in an effort to impress [more...]

Date: 2008-12-26 14:07:19

Say Goodbye To Plastic

Nouriel Roubini has been the most prominent Cassandra for the financial crisis, ... that I introduce her newest prediction: the severe curtailing of credit card lines. It would definitely make sense as banks haven’t been keeping credit card debt on their books, but instead turning them [more...]

Date: 2008-12-01 22:01:01

This sounds less bad

I doubt anyone can know how much it might help, but the desperation apparent in this move should be obvious. From Bloomberg: The U.S ... and college education while also reducing the cost of credit-card debt. If we really need ... it improves auto sales much. Maybe people pay off some credit cards and take some classes [more...]

Date: 2008-11-25 05:46:00

Arrests: Gavin Grant, assault with handy tool, Cherry Hospital beating, bus crash

Former NC State basketball standout Gavin Grant was charged with fraud as part of a credit card scheme at Triangle Town Center ... credit card fraud.  N&O Trumeka Deon Wilson was charged with misdemeanor death by motor vehicle [more...]

Date: 2009-01-15 18:59:32

Debt Elimination

Debt Elimination Almost all employees I know have at least one or two credit cards which they use for buying clothes, groceries and many other things. It’s been a practice to use credit card payments ... rates. If everything fails then seek help from debt consolidation company who will advice you on so many [more...]

Date: 2008-09-04 13:19:08

Expert Explains Why E-Books Are So Expensive

What's a fair price for a digital book? ... % is the retailer. So when you add in (lets use a round number) 5% for credit card processing ... more) of list price. The credit card processors, even with micropayments, take 3-6% of the sales price [more...]

Date: 2009-01-13 17:23:32

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

The Mission: CD Rates California, Mission Bank

Choosing a savings plan that makes sense for you and your lifestyle can be a difficult task ... , certificates of deposit, credit cards, and business, agricultural, commercial real estate, construction, residential, and consumer loans.  It also provides credit card processing services to area [more...]

Date: 2009-01-15 05:21:10

Debt Consolidation Needs

When I was a branch sales manager before for a well-known direct selling company, I was privileged to avail four credit cards ... but now I am really having a hard time. How I wish I could avail of a debt consolidation! Anyway ... , I was able to find reliable information that can give me great tips on how to deal credit card debts [more...]

Date: 2008-07-23 04:02:17

Fixing Your Messed Up Finances this 2009

If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... your credit card statements so you can see if your bank is increasing its rates. Explore ways on how [more...]

Date: 2009-01-07 10:18:05

Is Your Credit Application Affected By Your Job?

The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]

Date: 2008-12-01 14:29:30

FBI Cyber Network Conference warns about terrorists, spies and underground economy

(New York)—Sometimes the U.S. government uses resources wisely ... in the world can buy a blank credit card, complete with the holographic security markings used by legitimate credit card companies. They can buy equipment to encode someone’s stolen identity [more...]

Date: 2009-01-15 17:22:50

Ask Madison: Reader Mail Volume 2

One of my favorite parts about My Dollar Plan is getting to hear from you ... a credit card in 2006 and now the IRS is stating that we owe them $755 in taxes, how is this possible ... to do so. Since when is paying a credit card off become taxable? Can you tell me what we need to do to straighten [more...]

Date: 2008-09-30 14:32:31

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

Ten For Tuesday (January 6, 2009)

1. First off, check out this resource I discovered a couple of days ago. It’s called NewMogul.com ... . 6. Lazyman has some tips on how to have a successful 2009. 7. Tricia wrote about credit card offers on college campuses. She said, “I have come to realize that whenever you get a credit card through [more...]

Date: 2009-01-06 17:55:07

NextEve.com Joins PrepaidLegal Inc

NextEve.com Joins PrepaidLegal Inc Posted in January 15th, 2009 by editor in Web Hosting News (PRESSbooth.ORG) ... only the truncated credit or debit card numbers on the receipt. For added security of the customer’s credit card information, our shopping system is designed in such a way that it does not store any [more...]

Date: 2009-01-16 02:34:19

A Shopper Bites Back (or, Thanks, Consumerist, for giving me a consumer backbone)

As I've previously mentioned, I'm pretty sick and tired of being asked to show ID whenever I try to use a credit card for purchases ... have won another credit card fight. [more...]

Date: 2009-01-15 22:01:51

Investors May Be Too Optimistic About Consumer Recovery

The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... , the somewhat in debt and the chronically indebted. Indeed, in the stone ages of the 1980s, banks were really [more...]

Date: 2008-12-14 06:10:36

(untitled)

Amazon.de Widgets If you want to take a loan to repay others, debt consolidation is the best bet. For paying down credit cards the most easiest way is to try a credit counseling program. One of the most assured measures to lower all your debts swiftly is here. Stop being at stake with striking debts, put them together into one debt consolidation program to have one low monthly payment. This can even help you control your monthly payment structure and keep you within a budget. [more...]

Date: 2009-09-15 23:43:02

Sunday Money Roundup - Home Again Edition.

Well, we are in Boston now where we will be for the next 10 days or so. It’s been about 1.5 years since I was home, and it’s nice to finally be back ... her, the one with all the credit card debt, is not her anymore. I have said it before and will say it again - PaidTwice’s journey out of credit card debt is one that every person looking for [more...]

Date: 2008-12-21 14:00:29

Ctrl BG: A Shortcut to Financial News 11/29

Hope everyone is having a great Thanksgiving weekend and got some great bargains yesterday! ... facility to support consumer finance, including student, auto, and credit card loans and loans backed ... consumers get home, car and credit card loans easier. I haven't figured out all the implications [more...]

Date: 2008-11-29 14:40:00

It's time to settle the bill for all that festive goodwill

Thousands of shoppers who over-flexed their plastic on Christmas presents will be dreading checking, let alone paying off, ... on to a 0% balance transfer credit card and pay off whatever you can within the interest- free period," says ... what is known as an "adverse order of payments". This means that when you pay off your credit card balance [more...]

Date: 2009-01-04 00:04:34

BizWeek: Leading Arbitration Firm Favors Creditors Over Individuals

scales In its cover story this week, BusinessWeek offers up a lengthy critique of the National Arbitration Forum, one of the nation’s largest arbitration firms. The story focuses on credit-card collection ... that NAF enlisted law firms with ties to credit-card companies to help NAF win business from creditors ─ [more...]

Date: 2008-06-10 08:45:00

Collection Agency calling from 571-431-1958 (Washington, VA)

Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]

Date: 2009-09-25 19:53:49

Coins Out, Technology In, With New Meter Lease

Chicago Tribune transportation columnist Jon Hilkevitch had a pretty interesting column Monday, ... that accept coins and move to technologically advanced hardware and systems that will accept credit card ... to chart a specific timetable, drivers will be able more than ever to use credit cards and other [more...]

Date: 2009-01-15 06:00:10

10 Tips to Keep Identity Theft from Ruining Holiday Travel Plans

From Brian Lapidus, Chief Operating Officer for Kroll Fraud Solutions Attention Holiday Travelers: ... the house key. Don’t leave out tax returns, credit card statements, utility bills and the like. It’ ... with identifiable bank or credit card information. Not even your online personal bill-paying [more...]

Date: 2008-12-16 06:24:11

Obama Advice - Credit Card Debt Consolidation - How to Eliminate Your Bad Credit Debt Consolidation

Amazon.de Widgets The most ordinary difficulty of debtors is their unrestrained debts and then hunt discover for a way to hold these debt issues. While attractive debts, grouping never intend that the termination would be so devastating. At nowadays circumstances obligate them to modify go for binary debts thusly crescendo their burden. However demise the think strength be, debts should be unnatural and condemned according to the power to repay. [more...]

Date: 2009-09-10 14:21:37

F? H? WTF? Ayetttee lah!

This is a conversation between me and one banking officer when I called their helpline for assistance. Bank Officer: Good evening, sir ... with me. I normally keep the all the numbers (credit cards, bank accounts) in my mobile phone, but I reformatted ... . How may I assist you? Me: Good evening. I am going to make a credit card payment but I forget [more...]

Date: 2009-01-16 01:08:04

Re: Edwards to speak publicly again

Senator John has been a modern day Paul Revere. I remember his July 2007 Coopers Union speech where he tried, oh so gently, ... national laws protecting us against the worst abuses in credit markets predatory mortgages,abusive credit card terms, and payday loans with interest rates of 300 percent or higher. Finally [more...]

Date: 2008-11-11 06:22:53

Customize Paypal Clone Script

Pm me before bidding ***Customize Paypal Clone Script*** We already own the Alstrasoft Epay Pro script.You can find out more about it here http://www.alstrasoft.com/epay.htm#1 What we want is the addition of this feature: -Buy now option where a customer does not require to signup to pay by credit card.He can direclty pay using credit card. Pls only serious bidders. People who have already done such project are welcome as we need it done very fast. [more...]

Date: 2009-09-28 10:35:02

Getting Finances in Order

When the husband and I talked about our goals this year, one of the things we agreed about is to pay the balances on his credit cards immediately ... . The two cards have both running interest rates that are quite high so it is a smart decision to clear them as soon as possible. We have ... [more...]

Date: 2009-01-15 17:35:39

Personal Bankruptcy Rising

Front page NYT article on the increasing number of personal bankruptcy filings: ... , legal scholars, retired bankruptcy judges — was passed after the credit card industry spent more than ... you that this bill was pushed by the credit card industry — mostly based on claims that were factually [more...]

Date: 2008-11-16 13:39:54

PFBlogger Spotlight: Green Panda Treehouse

What color is US currency? It’s green. What’s one of the most content creatures on the planet? Well, one of them is a panda ... of it. I got a credit card in college and like many of my friends, I charged on it like crazy ... some of my friends (who would return the favor and use their credit card next time). I also thought [more...]

Date: 2008-08-07 16:28:03

Free "Jumpstart Credit Card Processing" guide ebook

The cheat sheet we extracted from freckle time tracking for Ruby Advent is now growing into a real ebook, so we’ve put it up on it’s own domain ... . Head over to http://jumpstartcc.com/ to grab your copy of our free guide. Free Jumpstart Credit Card processing ebook P.S. We’re also planning some updates to it, so if you like to stay [more...]

Date: 2009-01-15 13:12:20

October 2008: Goals Update

Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but I have to admit it does no good to send in money if you keep charging [more...]

Date: 2008-11-05 18:10:55

Don’t Worry, Be Happy: Surviving the Financial Crisis?

Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]

Date: 2008-11-20 04:12:42

Scam warnings against SFL Nutrition, GlobalNet Pharmacies, and Aton Solutions

Photo by: Fill More Photography Better Business Bureau is warning all consumers to go easy with the Acai Berry, ... to submit their credit card numbers online. They were surprised, later, when orders of the supplement ... their monthly credit card statements and found that the companies were billing them $80 for the unwanted [more...]

Date: 2009-01-15 17:48:04

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