The Coming Great Depression

Martin Armstrong: The Coming Great Depression It is frustrating to read so many comparisons of our current situation with 1929 while watching ... may signal a recession, but the collapse in debt signals a Depression. This Depression was set ... and shifted spending that created jobs into the banks as interest on things like credit cards [more...]

Date: 2009-01-08 03:55:35

Blog posts (154) | Videos (161)
 

If your credit card…

…balances are high, and you are considering bankruptcy, you should negotiate your credit balance with the card company. Usually they will waive some interest and fees to have a lump sum payment. You can also hire a debt consolidation company to do this for you. [more...]

Date: 2009-01-11 01:41:19

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

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

Membership Has Fewer Rewards

Membership Has Fewer Rewards Posted on January 13, 2009 (0) Comments For credit card-carrying Americans, the latest news from the economic crisis ... . Americans borrowed less because they had to, since credit card companies raised their interest rates [more...]

Date: 2009-01-08 15:00:32

Tips a Home Owner Should Know Before Refinancing

by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate credit card debt at a lower interest rate. Homeowners should not consider real estate mortgage refinance as a way to pay for a vacation unless it will be your last, a new car or a boat. A good [more...]

Date: 2008-12-29 22:15:15

The Return of Layaway

I remember being a little kid and my mother putting items on layaway at Sears (mostly those Toughskin jeans) ... and with shrinking credit limits, fewer specialty card promotions (zero interest, 180 days same as cash, etc ... items. In times past, layaway was a savings account of sorts but it did keep the giant credit monster [more...]

Date: 2008-10-27 05:05:53

Scotiabank offers some finacial advice for Canadians

These are some of the items that Scotiabank has offered to Canadians in order to improve their financial situation ... such as higher rate department store and other credit cards. Inform yourself about interest rates and options ... have a financial plan, now is the time to get one that emphasizes debt management and map out your short [more...]

Date: 2009-01-09 09:57:00

Making Sense of Your Credit Report

by William Blake If you are trying to do the smart thing and take a look at your recent credit report, ... score. There is also credit card counseling services ... you will be extended any credit with a good rate of interest, if you were looking for a debt [more...]

Date: 2008-10-03 16:23:30

How to Set New Year’s Financial Resolutions You Can Keep

(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [more...]

Date: 2009-01-02 19:55:16

How to Set New Year’s Financial Resolutions You Can Keep

(source) Every year it’s the same old story. You start with the best of intentions but somehow never manage to fulfill your New Year’s ... or Equifax. If your credit score is lower than 700 due to some outstanding debt, see if you can get those bills paid off as early in the year as possible. Pay the credit cards with the highest interest [more...]

Date: 2009-01-02 19:55:16

Polly’s Case Study

I was very impressed with the number of you that stepped up to the plate to analyze the Polly Case Study ... her debt. She hasn’t figure out what the interest costs on all her loans add up to, which should have been her first step. $12,000.00 credit card @11.5% = $1380 $6500.00 credit card @ 18.5% = $1170 [more...]

Date: 2008-12-20 15:03:28

Free Ebook: Suze Orman 2009 Action Plan

I am actually currently reading (and by reading I mean listening to an audiobook) ... of this book. I’d think the twenty something crowd would be most interested in: Credit card repayment plan Debt consolidation Expense/Income worksheet Finding ways to save Dealing with car loans First [more...]

Date: 2009-01-08 19:30:11

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]

Date: 2009-01-15 08:38:53

Bailing Out American’s Credit Card Debt

We have been hearing a lot of talk lately about bail outs.  We bailed out Wall St ... collection agency than Uncle Sam. The end results ... for $16,635 in debt, excluding mortgages, according to Experian.  The average credit card interest rate [more...]

Date: 2009-01-09 08:20:46

Transfer Your Balance to Avoid Interest

Consumers will spend around £11bn on plastic leading up to Christmas and the New Year, reported by the Association for Payment Clearing Services ... one credit card,another solution to save on interest would be to make use of a debt consolidation ... this you can switch your debt| by switching your debt on to the new card as soon as the festive season is [more...]

Date: 2008-11-13 22:08:22

Study: Americans Overwhelmingly Demand Simple Communications

Siegel+Gale recently completed a year long study of 1,214 American homeowners and investors that shows huge demand for simple, ... in the current financial crisis. Moreover, 63% of those surveyed feel that “banks, mortgage lenders ... interest in taking out a loan, and a 63% increased interest in applying for a credit card [more...]

Date: 2009-01-14 17:11:03

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Philippine Congress Tables Proposed Credit Card Interest Rate Cap Law

While the public was distracted yesterday by the deliberations of the justice committee of the House of Representatives on the substance of the ... . They consider any balances left unpaid as unsecured loans, as opposed to other forms of consumer loans which [more...]

Date: 2008-11-26 14:12:51

Payday loan might be the answer.

If you are living paycheck to paycheck like most Americans (including us) ... situation if you find yourself in one. You could use a payday loan instead of a credit card for purchases ... interest. I have heard of this happening to a lot of people lately. So, faxless payday loans might [more...]

Date: 2009-01-13 22:47:43

Choice

Most of the people have some kind of debt nowadays ... a debt consolidation loan. It is usually a great option if you are paying several minimum payments per month on high interest credit cards or loans. If you are behind on any payments, debt consolidation [more...]

Date: 2009-01-14 23:04:08

debt consolidation

As we find ourselves living in the credit crunch of a world, ... purposes - we see people using them to pay off high interest credit card debt and student loans ... t also note that unsecured loans are also available. We have seen that debt consolidation loans [more...]

Date: 2008-12-15 15:17:50

Is Debt Consolidation The Right Choice For You?

by William Blake Debt consolidation means to combine several small debts into one single payment per month in order to lower monthly payments or high interest rates. Typically, consumers will consolidate credit card debt, medical bills ... rate and create payments that are more manageable. Keep in mind that for debt consolidation [more...]

Date: 2008-10-27 12:23:33

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

Avoid Payday Loan

If you spend more than you earn on a regular basis, it is a bad practice ... to borrow a loan, so you can save 15-30 USD by not paying the loan interest! • Use your credit card ... companies often make use of your needs and leads you into the debt trap. The most obvious drawback [more...]

Date: 2008-12-04 12:36:55

Emergency Debt Relief Programs

There isn’t much in this world that is more frustrating than finding you are in the midst of a financial crisis ... relief program. You will be offered several services that can aid in making your credit card ... who have very high credit debt and most likely overspend well beyond their means. High interest [more...]

Date: 2008-12-22 19:19:01

I got 78% C

I just took a Bills IQ test to see if we're financially fit and I got a score of 78 % C.! ... . :) I also realized that loans and credit card payments must indeed be paid on time, if not interests ... be the last resort if we're not careful with our paying our loans and credit card on time. But it is a good [more...]

Date: 2008-07-24 01:08:00

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

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

Debt Consolidation

Having a credit card is good since mostly people use here in the States or other countries to purchase any items or pay off a bill in the restaurant, ... their site and apply unsecured debt consolidation loans now. ... from the credit card company, you should pay it right away or else there will be an interest [more...]

Date: 2008-10-14 04:04:56

You Say You Want a Regulation?

As if the economic news weren't bad enough at the moment, ... . Enter new "credit card regulations" issued by the Federal Reserve, Office of Thrift Supervision ... lenders from raising interest rates on existing balances unless a payment is received late. Credit card [more...]

Date: 2008-12-29 14:00:48

Book Review and Giveaway: Good Deals & Smart Steals

By Lynn Truong Good Deals & Smart Steals: ... receipts, avoid paying credit card interest, always comparison-shop, and takes advantage of savings ... offers hundreds of ideas for getting the best value for your money on every kind of purchase. I've also [more...]

Date: 2009-01-09 16:59:03

Happy and Full Sunday

The past Thursday marks the first time I met some fellow bloggers face to face! ... ending quest of saving and making more money, The Digerati Life found a credit card that interest ... MuchMotivation Monday - Repair Our Life Away From WorkNo Full [more...]

Date: 2008-08-24 14:45:46

feathers Blog entries Jan b Feathers b VintageGlam Weddings and more

Luscher, colors have deep psychological significance that go back to our primitive, unconscious roots. Along with these growing sales is a rapidly growing amount of fraud. You will find that if you get reeled into getting a credit card with a low introductory rate, your interest rate may increase [more...]

Date: 2009-01-15 12:34:35

Layaway is Making a Comeback

I read an interesting article in the Detroit News about layaway ... to the customer. Now banks are lowering credit card limits and home equity lines, and even consumers ... . Before there were credit cards, stores offered layaway as an option to consumers who may [more...]

Date: 2008-12-14 06:13:42

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

New Year’s Financial Resolutions

Guest Post by Dara DuguayEach year, the most popular New Year’s Resolutions usually alternate between losing weight and getting one’s finances under ... , come with fees and interest rate charges that are usually higher than your credit card purchases ... an emergency fund will give you peace of mind.3. Pay more than the minimum on your credit [more...]

Date: 2009-01-09 05:34:00

3 Little Known Reasons To Stay Away From Debt Consolidation Loans

A debt consolidation loan is often said to be a good way to reduce your debt. The common theory is that you can lower your interest rate, particularly if you’re consolidating credit card debt, and wind up with a smaller payment. This theoretically lets you get the debt paid [more...]

Date: 2008-08-26 20:52:46

Federal Reserve Proposes Rules to Implement Card Law

Sept. 29 (Bloomberg) -- The U.S. Federal Reserve proposedrules today that will end banks’ ability to apply credit-cardpayments to balances with the lowest interest rates first,implementing legislation Congress passed in May. The Fed also proposed that creditors obtain consumers’consent before charging fees for transactions that exceed creditlimits. Restrictions on lending to people under the age of 21and subprime credit-card fees were also included, the Fed saidin a statement. [more...]

Date: 2009-09-29 17:59:56

Bachelorettes in Debt -- The New Reverse Dowry System

My wife raises an interesting point that I've never heard anyone discuss ... . Right. Thus, an awful lot of them have a lot of debt, especially credit card debt, which they keep ... card debt, which she's paying $5500 per year of interest on, does the idea of a joint checking account [more...]

Date: 2008-11-07 22:28:55

Mealy Apples

Is there anything more disappointing than biting into an apple that has no crispness and flavor? ... , I bit into a mealy apple of my own. My bestbuy credit card started charging me a "debt cancellation" fee. I recently bought a nice expensive system on credit because of the no interest financing. Well [more...]

Date: 2008-06-05 01:15:10

Lose Weight, Get Rich: Write it Down

Lose Weight, Get Rich: Write it Down July 10th, 2008 I discovered yesterday, to my consternation, that a tall skim latte has 100 calories ... progress toward your financial goals. Unless you crunch the numbers with a credit card payoff calculator and figure out how much that interest really costs, you’ll continue to run up debt. See [more...]

Date: 2008-07-10 14:53:44

Debt Settlement

These are difficult times and it is absolutely common to also find to much people loaded with enough of debt without guarantee and of debts of the credit card. You must know that these debts attract very heavy types of interest and the stiff fines are imposed before delayed payments. It is obvious that one cannot go ignition to pay these debts especially when there are losses of work and many do not have a regular monthly rent. [more...]

Date: 2009-09-22 17:14:17

The Nightowl Newswrap

It's mid-December - you know what that means... It's time to nominate your favorite small-market blog(s) for a Monkeyfister award! ... progressive... Consumers need help with debt: The Federal Reserve on Thursday will vote on sweeping reform of the credit card industry that would ban practices such as retroactively increasing interest [more...]

Date: 2008-12-14 17:02:06

Nine Tips For Holiday Spending: Tis The Season To Be Financially Savvy!

If you’re like many folks, the approach of this year’s holiday season has you feeling less than jolly ... shopping as an excuse to run up your credit card bills. There’s nothing festive about high-interest debt [more...]

Date: 2008-12-11 19:20:17

Tis The Season To Be Financially Savvy: Nine Tips For Holiday Spending

If you’re like many folks, the approach of this year’s holiday season has you feeling less than jolly ... shopping as an excuse to run up your credit card bills. There’s nothing festive about high-interest debt [more...]

Date: 2008-12-12 06:19:24

Tis The Season To Be Financially Savvy: Nine Tips For Holiday Spending

If you’re like many folks, the approach of this year’s holiday season has you feeling less than jolly ... shopping as an excuse to run up your credit card bills. There’s nothing festive about high-interest debt [more...]

Date: 2008-12-12 06:24:20

11 Secrets to Paying Off Credit Card Debts

The current growth of UK debt is £1million every 8 minutes and we all contribute a Stonking £263 million in interest a day. There is currently 27 ... card debt in the UK for September 2008 was £55.7 billion and the average adult in the UK ... consolidation is the solution of last resort unless it is the only option available to you due to the lack [more...]

Date: 2008-12-19 03:01:13

Bernanke: Federal Reserve Policies in the Financial Crisis

Ben Bernanke does not expect further interest cuts to have much of an impact on the economy, ... , credit card receivables, student loans, and other forms of credit greatly curtailed. Consequently [more...]

Date: 2008-12-01 20:42:00

Debt Management Programs– best way to get out of debt.

A debt management program collectively takes all the loans of various amount and interest rates and forms into a new loan which is released to you. After that, only a single installment is required to be paid every month on a fixed rate of interest. This process is known as debt consolidation. Usually, debtors opt for bill consolidation scheme from the fear of bankruptcy. The problem originates with the use of many credit cards or taking multiple loans from various banks for personal or investment purposes. [more...]

Date: 2009-09-08 05:51:11

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