MY GOALS FOR YEAR 2009
Year 2008 was mostly devoted to debt elimination. I was able to terminate some credit cards and be able to enjoy some trips without hurting our ... Visa Card update my blogs every week (xerkel and textpartner) get a health insurance [more...]
Date: 2009-01-05 06:13:10
Blog posts
(64)
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Videos
(74)
It’s the economy stupid!
It’s the economy stupid! Remember that being said not all that long ago in a campaign speech? ... of all but essential credit cards, dine at home more often, terminate unnecessary trips ... . He will begin to save and start paying down debt. A company that has reached the limits of its credit [more...]
Date: 2008-12-09 19:16:05
A Few Quick Questions -- Divorce Deadlines
There are several issues that have different ending dates in Texas divorces. Here are some that people often wonder about.1 ... to terminate my responsibility?Answer: New debt created by your (ex)spouse after the decree of divorce ... the decree is signed, you are each on your own.Example: If either spouse charges on a credit card [more...]
Date: 2008-12-15 06:15:00
Customers Service at its best : Inconvenient your client & make them WAIT
Nowadays, almost every company has a customer service dept. But does it really function as it suppose to be ? ... their credit card and accounts again. All were left dormant. Then I received a statement last Fri ... to the fundamental of debt free living, I thought I might as well take this time to go terminate [more...]
Date: 2008-08-25 15:08:40
Basics About The Finance Information - Part 1
Savings. Pay yourself unrivaled. Start now stashing 10% of your income in an “Emergency” savings. Don’t aid it for anything but real emergencies. Keep a “For Sure” savings account for yearly expenses you know are coming and you can essence (e.g. Christmas, insurance, taxes, etc.). Also have a Buy Stuff account. If you do, you’ll symbolize producing to flee many financial disasters which bequeath face you, and you can escape borrowing iva or debt management from high-rate lenders. Borrowing. [more...]
Date: 2009-04-30 10:46:55
Inside the Financial Collapse of Annie Leibovitz [Debt]
How did Annie Leibovitz end up $24 million in the hole? New York magazine's Andrew Goldman has cataloged her wildly ill-advised spending flourishes . Oh, and the money behind her glorified pawnshop loan came from none other than Goldman Sachs. Goldman's write-around profile of an artist in crisis goes a long way toward explaining exactly how the world's most celebrated celebrity photographer wound up hocking her photographic legacy to keep up with her mounting bills. [more...]
Date: 2009-08-17 21:58:51
(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
May 20 2009: Home is where the hurt is
Jack Delano Hey, did you happen to see.... the most beautiful girl in the world July 1940 Near Shawboro, North Carolina. Florida migrants on their way to Cranberry, New Jersey Ilargi: Let's look a bit more at the housing construction quagus mirus completus, since it's such a good way to counter all the 'green shoots shining through the trees' mumbo-jumbo. Monday, just two days ago, the National Association of Home Builders caused a happy stir worth 2.85% jump in the Dow. [more...]
Date: 2009-05-20 19:31:00
Posts about Foreclosures as of August 2, 2009
Reverse mortgages to the rescue – instantloanreview.com 08/02/2009 Reverse mortgages have been around for nearly 20 years, but it wasn’t until the current financial crisis that they caught on. Seniors are turning to these loans to tap the equity in their homes and generate tax-free income to help them ride out hard times. For Frank and Carol Rider, a reverse mortgage is providing a cushion, giving their investments time to recover from the bear market. [more...]
Date: 2009-08-02 12:05:22
Merchant Account Hold: What it is, why it’s done & how to avoid it
An extremely important but seldom talked about topic regarding credit card processing is that of merchant account holds. One of the most financially devastating things that can happen to a business is for a processing bank to freeze its merchant account. If this happens to your merchant account, you won’t be able to access the account and your funds from open authorizations will be held without deposit for an undisclosed period of time. [more...]
Date: 2009-05-19 01:32:28
GENERAL MOTORS GOES BANKRUPT
from the DETROIT NEWS: Sunday, May 31, 2009 GM to enter bankruptcy Carmaker under federal control; U.S. to own 60% Henderson stays; restructuring chief named David Shepardson / Detroit News Washington Bureau Washington — General Motors Corp. will file for bankruptcy early this morning — but won’t move its headquarters from Detroit — and will name an outsider as chief restructuring officer, company and government officials said Sunday night. [more...]
Date: 2009-06-01 02:15:48
The Federal Reserve System Expanded–Are You Kidding–How About Disbanded and Shut-Down For Incompetence–End The Fed–Videos
“True, governments can reduce the rate of interest in the short run. They can issue additional paper money. They can open the way to credit expansion by the banks. They can thus create an artificial boom and the appearance of prosperity. But such a boom is bound to collapse soon or late and bring about a depression.” ~Ludwig von Mises, Omnipotent Government, page 251 The Federal Reserve System is a private banking cartel that sets the price of money, serves as a lender of last [more...]
Date: 2009-06-19 00:58:46
I owe Citibank negative five centavos. How do I pay it?
THIS IS MY unusual, and so overly annoying problem for more than a year now. I welcome any out-of-the-box solutions you may offer ... center agent to somebody who went on to probe why I wanted to terminate my credit card. To cut the story ... months ago. I decided to stop using my Citibank-Shell credit card which I started using just a [more...]
Date: 2009-01-13 22:01:33
Reader Mail #69
I liked this article, via Hacker News. Depressed people can more accurately measure reality than "normal" people. What if the reverse is true? If you're better at sensing reality, then you become depressed?Also, such scientific studies are usually blown out of proportion. They were writing about a single carefully-controlled experiment [more...]
Date: 2008-11-18 17:00:00
Monday Madness
Dear Friend, I am MR BENOIT OUATTARA,Manager Bill and Exchange Department of BANK OF AFRICA here in Ouagadougou Burkina-Faso West Africa. I am writing following an opportunity in my office that will be of immense benefit to both of us.I have decided to contact you purely on the personal conviction of trust and confidence that we can [more...]
Date: 2008-11-24 07:48:04
5 Ill-Advised Celebrity Endorsements
Those crafty marketing executives know exactly what makes us tick: they take a picture of whichever ‘celebrity’ tosspot they think is currently ‘hot’ and slap it onto the advert for whatever overpriced piece of crap they’re trying to sell and like lobotomised, star-struck automatons we scurry along to the nearest sterile, [more...]
Date: 2008-10-09 14:26:38
Debt Relief Part 2
Credit Card Debt: Ask yourself these 10 questions about your credit label debt.1)Did we assign more this month than final though any vital purchases such as a brand brand brand brand new TV. 2)Is my income reduction and my credit label check more this month than last? 3)Did we customarily have a smallest remuneration on my cards. 4)Did we steal from a single credit label to compensate another. 5)Did we have have have use of of of 3 or more credits to have purchases during a month. [more...]
Date: 2009-08-07 08:04:11
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
Personal Bill Consolidation To Get Reduced Rate Of Interest Installments
Most folks think that ready credit bad credit debt consolidation loan can help to restructure their debt payments. As an illustration, when you have a unsecured loan credit that can cover all your current debts, you can transfer all your various loans and/or bills onto that single credit card so that you only make a single monthly installment in the long run. However, do check if your ready credit transfer expenses are worth the energy. [more...]
Date: 2009-07-22 15:25:14
Screaming Meme’s
I stand in awe of the Obama signature on the last four weeks; or — you know — maybe we’ve all just forgotten what competent looks like. I think it’s more, though; I think it’s remarkable talent and skill. Transition into leadership has always been a kind of a clumsy wobble, a semi-disastrous toe-stubbing period [more...]
Date: 2008-12-01 21:55:37
Debt Free League Announces Partnership with Debt Elimination Book Author to Help Consumers and Small Businesses Avoid Bankruptcy
Debt Free League gained rights to distribute author Victor N. Chevalier’s new book, “SETTLE Personal, Medical & Business Debt for PENNIES on the Dollar.” The free debt elimination book available at http://www.debtfreeleague.com/bookcover.html demonstrates how the “debt settlement” solution provided by the company’s Debt Liquidation Program excels over bankruptcy, consolidation, and credit counseling. [more...]
Date: 2009-09-05 09:12:08
Now Back To Reality!
Obama was not my choice and I remain concerned about Democrats controlling Congress and Rahm Emanuel becoming Chief of Staff but we survived Carter and GW and we will survive the current political line up.At least a lot of Americans voted this time and that is a positive.In The Middle East it is back to business as usual with the Palestinians. ( [more...]
Date: 2008-11-05 10:59:00
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
Advanced HOW-TO Credit Repair Tips (2 OF 3)
If you have been denied new credit because of your existing bad credit and you want to know WHY your credit repair rights are legally protected then you will save time and money by reading further. Let’s start off by defining what the Fair Credit ... when preparing consumer reports on individuals.” Simply stated your credit repair rights are [more...]
Date: 2008-11-22 06:47:11
To Repair Your Credit You Must Boost Your Credit Reports Scores
by Leo K Matthews A credit score is a statistical breakdown that is used to settle on creditworthiness. It takes into deliberation all of the information on a credit report including both affirmative and destructive information and the quantity of credit offered compared to the total of credit used and all open accounts. You can take steps to repair your credit and thereby amplify your credit scores and enhance your credit standings. [more...]
Date: 2009-08-19 20:25:24
Stock Market Dictionary - C
CFifth letter of a Nasdaq stock descriptor specifying that issue is exempt from Nasdaq listing requirements for a temporary period ... Dollar.CADSSee Cash Available for Debt Service.CAGRSee: Compound Annual Growth RateCAMPSSee: Cumulative ... for CONGO, THE DEMOCRATIC REPUBLIC OF.CDNSee: Canadian Dealing NetworkCDOSee: Collateralized Debt [more...]
Date: 2009-01-02 16:33:00
What is Bailment?
Bailment is the name given to a process of making delivery of an asset or other type of property. Generally, this type of transaction involves the process in which the owner of the assets opt to temporarily place his asset in the control of another individual. The person by whom the asset is delivered is usually referred to as the bailor , while the person who has received the assets is referred to as the bailee . [more...]
Date: 2009-09-28 13:00:05
6 Steps to Free Yourself From Debt
Ignoring your debt is the worst strategy that will bury you in interest charges and paying only the minimum payments may take you as long as 30 ... cards, you should be able to be debt free in less than three years. Step 3: Eliminate credit cards ... into your existing debt by avoiding the use of credit in your purchases, instead use only cash [more...]
Date: 2008-10-19 11:53:42
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
Posts about Foreclosures as of July 25, 2009
Fruitridge Real Estate Market Update: June 2009 – sacramento-home.com 07/25/2009 For the first time this year, real estate sales in the Elder Creek and Fruitridge areas were down year over year. Unit volume is currently down 15.6%. It comes as no surprise when we see foreclosure inventory beginning to dry up. It was down 17.1% year over year while non-distressed sales are also down 33.3% for the same period. [more...]
Date: 2009-07-25 12:04:54
The Crutch Called Good Credit
In today's society the reliance on good credit is the equivalent of having money in the bank or it may even be likened unto a reservoir of good ... off the credit card bills over a period of time. Thus, the credit lines are used in a mad desperation ... standing which in some cases is worth more than sums of money in the bank. However, good credit [more...]
Date: 2008-10-22 19:12:00
The Quest to Eliminate Debt
I am glad to report that we are definitely seeing the light at the end of the tunnel from where we are at ... and I collectively have a total of four credit cards, minus the supplementary card, which generates ... one of the reasons why we paid off the aforementioned credit card balance. Before the next cycle [more...]
Date: 2008-07-16 11:05:42
In Earmarks Lies Salvation?
In a deepening recession, what does the reasonable man do? Seeing friends laid off, he will get rid of all but essential credit cards, dine at home more often, terminate unnecessary trips to the mall, put off buying a new car, give up the idea of borrowing [more...]
Date: 2008-12-15 04:47:42
We Don’t Need and Won’t Get Credit. We Need Reindustrialization.
Jump to CommentsThe December 4thNew York Times reported in “Employers cut 533K jobs in Nov., most in 34 years” that, “Skittish employers slashed 533,000 jobs in November, the most in 34 years, catapulting the unemployment rate to 6.7 percent, dramatic proof the country is careening deeper into recession [more...]
Date: 2008-12-23 07:25:59
Borrowing From Big Banks – A Moral Issue?
*Me to group* “Hello everyone. My name is Matt and I’m a recovering big bank customer.” *Group replies in unison* “Hi Matt!” *Me to group* “I’m 33 years old, and have been borrowing from big banks ever since they courted me with offers of credit cards and free t-shirts on my University campus back in the 1990s. [more...]
Date: 2009-07-23 12:15:54
HOW I PAY OFF MY CREDIT CARDS
When year 2008 started, I made a list of what I should do. Most of my entries were about paying off my credit card debt. And here are the things I did to generate enough money to pay for those credit card balances ... name. They are earning me about P50.00 (US$1) a month on interest. My credit card charges [more...]
Date: 2008-11-09 02:36:11
Should I File for Bankruptcy? - Some Things to Consider
by William Blake Bankruptcy is a means to get out of debt. Some feel that it is a quick escape from mounding debt, and they make it their number one option ... taking such a drastic step. You will no longer be eligible for any decent credit. That means [more...]
Date: 2008-09-17 14:43:00
Chat Transcript - November 10, 2008
ong3232 I am a property investor in UK. I would like to buy a property in New York City, New Jersey and Los Angeles. possibly in Hawaii too. I may need your help. my email is ong3232@gmail.com. sorry I cannot stay to chat, for it is 1240am in UK. Mike_Summey Hi onq Mike_Summey You’re a few minutes early [more...]
Date: 2008-11-11 14:05:02
Karen Writes In “Ex-Husband Isn’t Paying The Bills and He’s Trashed My Credit. What Can I Do to Repair It?”
Karen wrote to me through the GetOutOfDebt.org site and asked for help and advice to repair her credit. If you have a debt or credit related question, ask it and I’ll help you for free. “Dear Steve ... or sold the home. His late payments have started to ruin my credit report and credit score. Now it look [more...]
Date: 2008-09-23 20:55:34
101 Ways To Save Money - The Best Tips On How To Save Money
The media would have you believe that we’re heading into a recession. Although the economy has grown the past two quarters, we are, indeed, in an economic downturn. This prompted me to research the best ways to save money and put together a list of the best tips on how to save money. This is, by no means, an exhaustive list [more...]
Date: 2008-09-11 15:51:16
President Obama’s Plan of Massive Deficit Spending Is Destroying The US Economy–The American People Say Stop Socialism BS Now!
“A man who chooses between drinking a glass of milk and a glass of a solution of potassium cyanide does not choose between two beverages; he chooses between life and death. A society that chooses between capitalism and socialism does not choose between two social systems; it chooses between social cooperation and the disintegration of society. [more...]
Date: 2009-07-20 22:30:25
When your company is declining, you may be (Business Debt Relief)
When your company is declining, you may be (Business Debt Relief) More small business help. Our recommend approach to fix your business ... on what the bank credit card firms are charging you and how much you owe. Within two months ... . With the direct approach, you should set a time to terminate the family member. When your business [more...]
Date: 2008-10-27 11:08:56
Teamsters Ratification of Contract Changes Moves YRC Worldwide Comprehensive Plan Forward
Teamsters Ratification of Contract Changes Moves YRC Worldwide Comprehensive Plan Forward- Immediate cost savings from modified agreement estimated at $45 million monthly, increases to $50 million monthly in 2010 – Company signs additional asset sale contracts with NATMI for $81 millionOVERLAND PARK, Kan., Aug. 7 /PRNewswire-FirstCall/ — YRC Worldwide Inc. [more...]
Date: 2009-08-07 20:22:52
Risk Management via Insurance - Critical Illness Insurance
This is a guest post series by Brian Poncelet who is an independent certified financial planner (CFP) working in the financial services industry since 1994. Along with insurance, Brian Poncelet focuses on mortgage and retirement planning. Overview of Critical Illness Insurance Critical Illness (CI) [more...]
Date: 2008-07-10 09:30:04
How to Lower Credit Card APR
Signs - Handsome man holding blank white sign. If you’re looking for a credit card, ... is a good indication of the amount of money you need to pay every time the credit card is used ... credit card may have multiple APR including: An APR for purchases, APR for cash advance, and another [more...]
Date: 2008-12-18 13:05:13
An Election Who's Who
On the eve of the election, much has been learned about the candidates. But questions still remain. I've been avoiding doing this for far, far too long but finally felt compelled to do this on the eve of what could prove to be the biggest election Santa Clara has ever seen [more...]
Date: 2008-11-04 15:00:00
How to Obtain A Consolidation Loan Debt Reduction
How to Obtain A Consolidation Loan Debt Reduction Debt consolidation loan services allow you to pay your credit card debts faster and save ... reduction. Copyright 2007 by Advice on credit repair, credit reports and debt solutions. All Rights ... you consider debt consolidation loans, analyze your debts to conclude the balance. Debt is a source [more...]
Date: 2008-11-24 15:10:50
DAVID NUGENT THREATENS BLOGGER & HIS FAMILY, THREATENS TO FABRICATE DISCREDITING INFORMATION; PERSONAL E-MAIL DISCLOSED FROM FMR. PLDT/MPC VP NUGENT
DAVID NUGENT THREATENS BLOGGER & HIS FAMILY, THREATENS TO FABRICATE DISCREDITING INFORMATION; PERSONAL E-MAIL DISCLOSED FROM FMR ... credit check or even discover that their 7 year "Vice President" was a U.S. citizen, and had defrauded ... as June 1996 Nugent was almost arrested for fraud after stealing a friend's American Express card [more...]
Date: 2008-11-09 18:55:25
A Monetary Reform Act We Can Agree With
Last night I went to a community meeting with the Islamic Mosque of Brighton at the Brighton Town Park Lodge. At the forum were Eric Massa (D) ... in and governmental control over money and credit, to stabilize the money supply and price level [more...]
Date: 2008-10-24 00:16:00
Bill may limit credit card marketing at Ohio universities
Bill may limit credit card marketing at Ohio universities by Jillian Engel in Front Page Ohio state representatives are working to curb credit card debt among college students. State representatives are working on legislation to terminate affinity credit card agreements between public universities and banks. Affinity agreements [more...]
Date: 2008-10-14 04:00:00
