Using Your Home As A Second Job
Today's LA Times has a very good article by Peter Hong with an unfortunate title: "Don't bank on your home as an ATM" . The notion that Californians took equity out of their homes during the bubble earlier this decade and spent it on frivolities like cars and vacations is a widespread belief. "Using a home as an ATM" is the way this practice is derogatorily described on many of the otherwise excellent housing blogs that have charted the collapse of the real estate bubble. [more...]
Date: 2009-09-27 21:11:10
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HOW CAN I GET A STUDENT LOAN WHEN I’M IN SO MUCH DEBT?
I have around 100k in tyro loan debt. we right away owe 7k during my university as well as we have roughly no income left from my loans. I’m the 5th year comparison as well as no loan association which I’ve found will lend me income after this semester. I’m now not in propagandize since of illness issues (had to take the Spring division off). we do not have the pursuit since we am anticipating my illness (need surgery) will be resolved prior to Aug so we can go to propagandize again. [more...]
Date: 2009-09-29 06:17:49
How To Avoid Bankruptcy With A Consumer Proposal
If you have a job but are unable to make all your minimum payments, let alone actually pay down your debts, you may have wondered if bankruptcy is the only way to get out from under all your debt. The is another option you should consider before bankruptcy, filing a consumer proposal. A consumer proposal is an option for anyone with over $5,000 but less than $250,000 in unsecured debt, or $500,000 per couple. Unsecured debt might include credit cards, lines of credit, loans and even unpaid income tax. [more...]
Date: 2009-09-28 09:00:34
Where has the Bailout Money Gone? Good Billions After Bad
Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]
Date: 2009-09-28 06:17:36
How Ghana Did It - George B.N. Ayittey, Ph.D.
September 28th, 2009 PrintEmail Goto commentsLeave a comment When President Obama visited Ghana in July 2009, he said the choice was based on Ghana’s record on good governance. The irony was that the NDC government, which just took office just January 2009, obviously could lay claim to that model of distinction. More importantly, those familiar with Ghanaian history in the late 1980s and 1990s would recall that the P/NDC regime was most ferociously resistant to change. [more...]
Date: 2009-09-28 22:10:36
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
Get Your Credit Card Debt Paid Off
In an ideal world, the way to avoid debt is to never get in it. This is probably unavoidable as you are deep in debt as you read this. You may have liked the low interest rate when you first open the account. Then life happened and you had the charge everyday items on the credit card. And before long you found yourself suffocating from a massive debt load. In addition to credit card debt you may also have tons of student loan debt or medical debt. You could also have student loans from your college days. [more...]
Date: 2009-09-29 14:16:34
No Credit Check Loans – Help and Advice
by Jimmy Tyrrell Thinking about a no credit check loan but not sure of all the facts? If so, you should invest a few minutes reading this. By the end of this article you should be better informed to decide if no credit checks loans are for you, and as there is more than one type of no credit check loans which one you should consider. Firstly, we must address the subject of no credit check payday loans. Because of the reasons described below these loans might not be an option. [more...]
Date: 2009-09-29 11:35:37
Cristina Warthen
Stanford Law School grad turned call girl sentenced to home detention – San Jose Mercury News During a hearing in San Jose federal court, US District Judge James Ware concluded he needed to impose those restrictions on Cristina Warthen after federal …. Cristina Warthen Cristina Warthen , a Law graduate and known to be a professional call girl has been judged for one year home detention and probation of three years on Monday. [more...]
Date: 2009-09-29 13:07:03
Student Loan Consolidation
by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]
Date: 2009-09-29 14:56:40
Benefits Of Student Loan Consolidation
by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]
Date: 2009-09-29 14:34:45
Fast Student Loans Master Key- Pointers to Reveal the Good Colleges
Fast Student Loans Master Key- Pointers to Reveal the Good Colleges by Andrea SouthIf you are requiring bad credit student loans, you have fought with ruined finances in the past, or have not had time to get a great credit rating. Both of these aspects contribute to what is known as bad credit history, and acquiring student finances under both of those categories can be difficult at best.There are a few methods you can utilize to make bad credit student loans possible to gain. [more...]
Date: 2009-09-29 17:21:06
What if my kid went to Dawson's School of Online Learning?
September 28th, 2009 Posted by Christopher Dawson @ 9:47 amCategories:Education TechnologyTags:Education, Online Learning, Kid, E-learning, Training And Certification, Enterprise Software, Software, Christopher DawsonA couple weeks ago, I asked if online education would kill the university. Although I concluded, as did lots of readers, Tweeters, etc., that it wouldn’t kill the university, it’s quite clear that higher education is changing very rapidly in a lot of ways. [more...]
Date: 2009-09-28 16:47:34
School Loan Consolidation Facts
School Loan Consolidation Facts by Sarah TaslkinstenIf you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate.The economy has taken a turn for the worse and with that comes debt. [more...]
Date: 2009-09-28 14:43:16
The Debt Bomb and You
Lots of folks these days are concerned about the ever growing national debt and our ability (or lack thereof) to pay it. For those of you out there that are actually concerned (I guess that excludes any liberals that might frequent JBM) this article ought to scare the living shit out of you.Assume you had put much of your savings into U.S. government bonds and then you learned the following. [more...]
Date: 2009-09-29 01:47:50
Benefits Of Student Loan Consolidation
September 29, 2009 | By Layla Vanderbilt In Finance | 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 14:35:03
Student Loan Consolidation
Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]
Date: 2009-09-29 14:46:22
What Is Cesi Debt Free?
by Melinda Harni To help us out from our debts there are many forms of debt relief. The different companies that you can use to help you learn about debts and the way that they impact your life are numerous. Among these companies you will see the one that is called Cesi debt free. This company is involved with educating people about the different ways that you can get into debt. You will also be introduced to the best tools that you can use for this problem of solving your debt misfortunes. [more...]
Date: 2009-09-28 08:30:03
Downturn Pounds Commercial Real Estate
And despite the tone of this article, some people believe it will be worse than the residential crash: Contractors, ... reeling from a historic housing depression. “This is a rolling problem that’s only going ... values. “Businesses need to be able to access the credit market when their debt comes due [more...]
Date: 2009-01-12 15:04:37
Student Loan Consolidation
If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]
Date: 2009-09-29 14:55:09
Get The Best Home Mortgage Loans
by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... , receiving cash out at closing, and so many others. Since home loan refinancing would involve taking a new ... makes you uncomfortable, you can now obtain a loan, which needs minimal documents. The best way [more...]
Date: 2009-01-14 21:01:19
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
Something has to Change
This summer we squeaked our way through our normal and expected financial crunch. It is never fun, but it is expected ... , you can guess where we took many of these hits; in our credit card balances. I spent the months before ... this life style, but the lack of progress to getting out of debt is downright disheartening [more...]
Date: 2009-01-12 12:00:01
Expected Family Contribution - The Key Target When Saving For College
One of the great things about not having children is that you can make comments on the way other people raise theirs with basically no comeuppance ... : Government Institution Family (including the student) and there are two main types: Money ... (student and parents) — the EFC (expected family contribution). If the cost of tuition is more than [more...]
Date: 2009-01-06 02:17:35
Screenplay Junkie #6: The 2008 Black List
Adam Volk is a wannabe screenwriter trying desperately to break into the industry and cram his hack drivel down Hollywood’s gaping maw. Each week he examines one aspect from the wonderfully demented world of screenwriting. Two years ago — or so the story goes — a young executive at Leonardo DiCaprio’s production company Appian Way, [more...]
Date: 2008-12-12 14:03:07
Benchmarks and Tempations
I am beyond thrilled to say that, after a lot of really hard work, I am now $337.00 away from being debt-free except for my mortgage ... (k), but I have basically been plugging away at the debt very hard the last couple years. (Having a roommate also ... : to be one of those people with no mortgage in ten years or less by socking all that money at the loa [more...]
Date: 2009-01-14 06:55:55
Money 101 for screenwriters
Most of the questions I answer on this site are from readers who hope to become professional screenwriters. A small percentage of these readers will succeed, and suddenly face a new category of questions about What Happens Next. Having watched former assistants and other young writers cross the line into professional work, [more...]
Date: 2008-12-18 19:02:50
No Fee Balance Transfer Offers Rise Again
Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]
Date: 2009-09-29 15:20:06
Seven Huge Financial Mistakes I Made During My College Career
Over the last few weeks, I have been reflecting on how many members of my rather close extended family are either near high school graduation or are in college right now. They have so many great opportunities ahead of them in the next few years - and so many chances to botch things, too [more...]
Date: 2009-01-04 14:00:00
TARP's Original Mandate Must be Executed
“This program is intended to fundamentally and comprehensively address the root cause of our financial system’s stresses by removing distressed ... s (Troubled Asset Relief Program) original mandate, the Treasury would apportion a sizable share of the original $700 billion dollars of tax-payer funds to place busted mortgage-backed assets [more...]
Date: 2009-01-12 18:37:25
Why Cash Advances are a Great product….
Why Cash Advances are a Great product…. Subscribe To Our Feed Why cash loans is the right solution… The human mind works in mysterious ways or ... in income from being a student. But we quickly find out that rent, telephone bills, electricity ... like these is that you can have the money just 60 minutes after you apply. The loan only runs for a [more...]
Date: 2009-01-15 03:30:17
The Massachusetts Mess
By The Honorable Arlene Wohlgemuth News coming out of the Massachusetts experiment with “socialized medicine lite” – the combination of insurance coverage that is free, subsidized, or mandatory to make it near universal – continues to be distressing for reasons other than the predictable, ever-escalating cost to the state [more...]
Date: 2009-01-15 19:10:42
Key Bank's "One-Two Punch"
Last week, we described how Key Bank has partnered with dozens of unlicensed and unaccredited trade schools to help thousands of students take on ... . Key Bank has apparently been able to avoid forgiving borrower debt at these defunct schools ... discharging borrowers' debt has been to intentionally disregard the U.S. Federal Trade Commission's [more...]
Date: 2008-12-17 20:20:04
Student Loan Default: How to Deal with It
by William Blake The Department of Education has many different avenues with which it works hard to get money back from individuals whose student loan payments have turned into student loan default. Defaulting on a federal student loan can become such a costly event that it often becomes more expensive than an individual’s original student loans [more...]
Date: 2009-01-15 12:05:44
20 Questions for the Secretary-Designate
In preparation for Secretary of Education-Designate Arne Duncan's confirmation hearing in the Senate tomorrow, ... to improve student achievement and narrow achievement gaps? How should the federal government be involved ... use of static test scores or do you favor a model that compares individual student growth from year [more...]
Date: 2009-01-12 18:37:34
Benefits Of Student Loan Consolidation
Rollover USA-401K Rollover to IRA is a post from: Rollover USA-401K Rollover to IRA If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. [more...]
Date: 2009-09-29 14:34:45
Existing Debt: The Biggest Hurdle in Mortgage Loan Qualification
I got a question about what the number one obstacle is to most people qualifying for the loan on the property they want. The answer is "existing debt ... amortization, but even most folks who fall for it, know on some level that it's not real. They may not realize ... actually qualify for a significantly larger loan if they had no other debt. (When I [more...]
Date: 2008-12-11 14:48:13
Consolidate Your Debt!
Being a debt free citizen is really hard because of the financial crisis that was happenning right now all over the world that is why people are ... . car loan, housing loans, student loans and even credit cards dues. If you are in so much debt ... consolidation??? Because in debt consolidation they will give you a credit counselor wheren in they would [more...]
Date: 2009-01-14 14:30:53
Debt Settlement Services
Debt Settlement Services Debt settlement service can help you resolve debt problems easily. These services are available to all kinds of borrowers. Usually the best debt to settle first is the ones, which charge higher interest rates and that will bring the dramatic change in your monthly budget. Why is Unsecured Debt Consolidation [more...]
Date: 2009-01-15 14:29:52
A-Z Funny Bumper Sticker Quotes
0-60 in 15 minutes! 100% Irony Free 100,000 Sperm And You Were The Fastest? 186,000 Miles/Second: It’s Not Just A Good Idea, It’s The Law! ... to pay for maturity Air Pollution Is A Mist-Demeaner Alcohol and calculus don’t mix. Never drink ... pay for not getting it done. All Men Are Animals, Some Just Make Better Pets All Men Are Idiots… [more...]
Date: 2009-01-14 09:11:08
Crist to lawmakers: Cut less, borrow more
Gov. Charlie Crist carefully avoids direct criticism of the Legislature ... that I have is that we make these reductions without hurting the end user: the student. So we're watching closely," said ... of economic development experts to a "Tallahassee Tuesday" discussion of a new $10-million loan program [more...]
Date: 2009-01-06 16:06:09
Crist to lawmakers: Cut less, borrow more
Gov. Charlie Crist carefully avoids direct criticism of the Legislature ... that I have is that we make these reductions without hurting the end user: the student. So we're watching closely," said ... of economic development experts to a "Tallahassee Tuesday" discussion of a new $10-million loan program [more...]
Date: 2009-01-06 15:56:15
College Students in Debt Find a Friend in MTV
Growing up as part of the MTV generation, I always thought of MTV as a source of entertainment that had an anti-establishment edge ... and government debt, and to promote action to help stop the fiscal crisis in the U.S.” How ... to educate college students about debt and financial responsibility. It may not be much help [more...]
Date: 2009-01-15 14:23:03
The college scam
It's actually worse than you probably think:Hickey got caught in an increasingly common trap in the nation's $85-billion student loan market. She borrowed heavily, presuming that all her debt was part of the federal student loan program ... of the student loan market. Private loans have no relation to the federal loan program, with one exception [more...]
Date: 2008-12-31 14:00:00
Learn More About Refinance Mortgage Loan
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2009-01-15 00:14:51
December 2008 - Net Worth Update and Personal Finance Status
Honestly, I’m starting to regret posting my financial numbers online for all to see ... relationships I feel. Just a few days ago my brother asked me to contribute to his law school tuition fund. He’s currently working full time and juggling evening law school classes. His federal [more...]
Date: 2008-12-20 02:54:38
Are California’s Muni Bonds Golden?
Here is an opportunistic view of California’s fiscal difficulties ... state. The “general obligation” (or full faith and credit) bonds now yield about three times as much ... Bill Lockyer, I had to ask: Is California public debt completely safe? Absolutely, he replied. “ [more...]
Date: 2009-01-14 00:11:54
The Economic Downturn and Student Loans: Some Practical Advice for Borrowers
Today's post is from Alan Michael Collinge, author of The Student Loan Scam: The Most Oppressive Debt in U.S ... of bankruptcy protection has given the green light to lenders to attach penalties and fees onto debt without ... to discharge in bankruptcy for the past decade. The federal guarantee on these loans was used as the reason [more...]
Date: 2009-01-11 01:14:50
Refinance Mortgage Loan Guide
by John Bear Everyone knows that comparing lenders can help you find the best refinancing deal, but those numbers can get confusing, especially when you are comparing lenders. You should investigate rates, fees, and points. Remember too that just because a mortgage company has the lowest rates, it doesn’t mean [more...]
Date: 2009-01-15 00:23:29
There Are Worse Things In Life Than Student Loan Debt
There Are Worse Things In Life Than Student Loan Debt by William Blake The negative effects of student loan debt on recent college graduates have ... . Some unscrupulous people may present opportunities to you, giving advice on how to eliminate all of your debt related to student loans. Beware of such advice and remember that there are real, honest [more...]
Date: 2009-01-15 10:45:56
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