Holiday Notes

I'm enjoying a year-end break, trying to relax without to much computer usage-- just doing lots of reading, baking pies, and today, watching it snow! But here's a little update on how the holidays went: First of all, my father was in the hospital the whole time [more...]

Date: 2009-01-01 00:00:07

Blog posts (188) | Videos (203)
 

The Effect Of Credit Card

by Mike Carbeck If you’re looking to get a credit card, be sure to go over the terms with a fine-toothed comb ... your credit rating, and are also in danger of falling into debt .You need to compare the companies ... for your money. Many people fall into debt because they charge too many luxuries onto their credit card [more...]

Date: 2009-01-14 11:03:30

Debt Fraud is Real: What you Should Know

Recent statistics have shown that millions of consumers are affected by debt fraud each year, ... the identity of the debt collection agency. They do not consider the possibility that the whole thing ... with debt scams becoming increasingly common among younger generations. The truth is that people [more...]

Date: 2009-01-16 00:24:21

Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect. Perhaps in an effort to cut costs, credit card companies are beginning to close their customers’ ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit [more...]

Date: 2009-01-06 19:00:00

Credit Scores: New Threats

Credit Scores: New Threats Credit Scores: New Threats A long-delayed update to the leading credit scoring formula is rolling out in 2009, ... . If your credit card issuer slashes your credit limit — which is increasingly likely these days — you could ... by lawsuits between its creator, Fair Isaac, and the nation's three main credit bureaus. Fair [more...]

Date: 2009-01-15 16:51:33

An argument for forgiving consumer debt.

An argument for forgiving consumer debt. Looks like Bank of America needs more money to save Merril Lynch ... to debt servicing, that is the money paid in interest late fees and overlimit fees, all the things ... , that just creates a bigger hole down the road. A better sollution is to figure out a way to get people out of debt [more...]

Date: 2009-01-15 18:04:55

Start Improving Your Credit Score Today

If you want to borrow money from a lender, you’ll quickly learn how important your credit score is ... , payment history, and the types of credit you currently have. So let’s take a look at the various factors in more depth, and what percentage of your credit score they will generally represent. Payment [more...]

Date: 2009-01-16 00:46:34

News and Commentary

Children Heavily Represented Among 917 Dead, Say Officialsby Michael Jansen - Irish Times / Common DreamsHealth officials in Gaza said yesterday that the Palestinian death toll since Israel began its offensive against the Strip on December 27th had reached 917 and the number of wounded 4,100 [more...]

Date: 2009-01-14 08:42:00

TREASURIES MAY MAKE US WAIT

“The two most powerful warriors are patience and time ... of U.S. Treasuries. I've suggested that both governments might be losing their appetites for U.S. debt for several ... are experiencing severe recessions, and their ability to fund U.S. debt has been curtailed.4. Both Japan [more...]

Date: 2009-01-15 20:48:00

Better Personal Finance

Do you know the best way to financial freedom and wealth? You might be surprised at the simple things you can do to be just like them. The key to stability with your personal finances is successful management of your personal finance. Getting your personal finances in order will allow you to understand how to use your money better and how to keep [more...]

Date: 2009-01-15 15:52:33

Bad Credit Repair Tips & Advice

When it comes to trying to get a new car or a new house, there is nothing worse than having bad credit ... , there is such a thing as Bad Credit Repair. Starting Off Smart Of course, the best thing to do is to avoid getting ... is now to repair your credit profile so that when you need the help of a loan or credit card [more...]

Date: 2009-01-16 00:22:09

Learn How to Manage Your Money

by Jim Parker Have you ever wondered why some people seem so financially sound? ... , savings and debt management. Personal finance covers everything involving your money, from knowing ... finance. It is common for people fail to budget and therefore they end up in debt and in financial [more...]

Date: 2009-01-15 19:59:28

Dinga Long Dave Ringa Long Ramsey

Here's my envelope system, which I am still getting used to ... all that muck before and during Christmas without using a credit card. DING!As we recover from the loss ... . My problem is if I run out of money in one category I borrow from another and that's a big [more...]

Date: 2009-01-14 03:20:00

Rich Blog, Poor Blog

Last night I was watching NOW, featuring Harvard law professor and TPM guest writer Elizabeth Warren, ... History of the Credit Card." And do check out the full Elizabeth Warren interview. It reminded ... that was 'insuring' my credit card, charging a moderate fraction of the balance so that in the event I lost [more...]

Date: 2009-01-03 10:31:45

Credit Card Debt Can Be Avoided

Credit Card Debt Can Be Avoided January 15th, 2009 Subscribe To Our Feed Some people look at credit cards with an evil eye and they wouldn’t dare use a credit card for anything. In the past they may have had bad experiences with credit ... credit card use like the plague, or do you forget what color a dollar bill is because you charge [more...]

Date: 2009-01-15 12:58:29

Using Good Debt to Pay for a House, Car, or Education

Hello again! Cate here, talking, as usual, about debt. The point of my series here at QueerCents is to talk about the dangers of getting into debt ... that will produce concrete benefits to your life. The bad kind of credit card debt that I’ve talked about often ... benefit. I’ve had both kinds: Bad Debt: $5,000 credit card debt from living beyond my [more...]

Date: 2009-01-16 02:45:14

Good Debt vs. Bad Debt

by Michael Geoffrey Yes, there is such a thing as good debt ... in the long run. * Student loans - Getting a college education is a good investment as well. By earning ... a start up loan for a business venture this can be good debt. Again you are borrowing in order to give [more...]

Date: 2009-01-14 20:09:45

Quango Irish Bank.

So, starting close to home, finally, it’s Anglo Irish Zero ... under its hood – you can’t pretend the bill isn’t yours – and, overnight, the Irish national debt ... encumber the State with a truly huge amount of total junk – the problem is that they're probably going [more...]

Date: 2009-01-16 02:21:50

The Daily Poverty Post.

Yesterday, Suze Orman went on Oprah to talk about her latest book, Suze Orman’s 2009 Action Plan, ... are a few of Bossy’s notes from the show: Pay off your credit card debt before anything else ... to your credit card debt or savings by making a list of all your expenditures, and separating the things [more...]

Date: 2009-01-09 13:28:31

All Four Australian Banking Major’s Profits To Take A Beating in 09 & 10

The Big Four Australian lenders may see their full year earnings decline by as much as ten per cent as bad debts begin to mount and increase by up ... cent in fiscal 2009 and by another 63 per cent in 2010 as bad debts from credit card and personal ... in the following fiscal year 2010. The report cited increased unsecured lending losses from credit [more...]

Date: 2009-01-16 04:45:30

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]

Date: 2009-01-14 23:03:41

Net Worth: December - 2008 Ends w/ a bang, Hallelujah!

Up $4k - not a bad way to start the year, eh? I have a REALLY good feeling it's gonna be a good one, so get ready everyone - 2009 is the year of mad financial skills!!! It's also the year I finally man up and combine Mrs. Budgetsaresexy and I's finances here on the blog :) Oooooh, ahhhhh, how exciting! [more...]

Date: 2009-01-06 14:44:19

Choosing a Credit Card When You Have Poor Credit

Choosing a Credit Card When You Have Poor Credit January 15th, 2009 Poor credit is something that can happen to just about anyone, ... t necessarily think of may run a credit check on you. This makes selecting a credit card to help ... control, it’s time to start rebuilding your credit. Even if you hope to never have debt in your life [more...]

Date: 2009-01-15 16:30:09

Divorce Affects Credit Big Time

by Rob Kosberg Divorce can have unexpected effects on your credit ... with your finances before you receive the possibly devastating injuries to your credit. Know your total debt ... to examine the credit reports for each spouse. Any errors should be fixed so that both reports [more...]

Date: 2009-01-15 23:28:30

The credit card transfer season

by James Noon As the coldest January for years starts to bite and the credit crunch is still in full swing, ... chance to take control and manage your money to your benefit, and taking advantage of credit card ... noticeably in comparison to January of last year, with the credit card companies tightening [more...]

Date: 2009-01-14 19:45:58

Non-Profit Debt Relief - A Respite For Customers

Non-Profit Debt Relief - A Respite For Customers Posted in January 15th, 2009 Category:Debt Relief Non-profit debt relief is not a difficult task. All you need to do is some research and find what is right for you. Generally by consolidation you assign a process under which several bad credit card debt loan, credit card debt etc. are dealt [more...]

Date: 2009-01-15 12:51:58

Holiday Cheer: Reality is Not All It's Cracked Up to Be

I am currently on blog holiday, and am re-posting some refreshing concoctions from Christmases past.Life. It's deep, right? ... surrounding (i.e. Shaolin), that credit card debt and those student loans aren't mundane, they suddenly [more...]

Date: 2008-12-29 16:00:00

Obama’s Wall Street Buddies

There is no way Wall Street was going to let a new President preside over sweeping changes in the financial industry without making its presence ... relationships. He advised Citigroup on its $6 billion acquisition of Sears’ credit card unit in 2003 [more...]

Date: 2009-01-09 19:53:00

HOW TO GET GREAT CREDIT REPAIR RESULTS

HOW TO GET GREAT CREDIT REPAIR RESULTS January 15, 2009 By: Admin Category: Credit Repair, ... , such as furniture store loans, are bad. If you have store cards or consumer debt you should work on paying it off. Now, let’s chat about managing those good mainstream credit cards for credit repair success [more...]

Date: 2009-01-15 20:33:08

Instahoglets for Jan 2, 2009

By BJ And so now I have to remember to start putting '09' down when I sign and date things, just after I finally got used to using '08' ... as much as possible, and given I already needed student loans, the idea of adding additional debt seemed [more...]

Date: 2009-01-02 19:22:51

The Great Depression 2.0

The Great Depression 2.0 Posted by brittgillette on January 15th, 2009 When people reflect on The Great Depression which gripped the global economy in the 1930’s, the idea conjures a number of poignant images.  Bread and soup lines…  Factory closings…  Wall Street suicides…  The dust bowl…  Union riots…  Not to [more...]

Date: 2009-01-15 15:06:12

Dummy to Dave: A Question I Wish You Had Asked

Dear Dave, In the first hour of your January 12 show, ... debt. You advised Dan that interest wasn’t her problem, budgeting was. You told him to have her run a budget, squeeze out some extra money, and not try to interest-surf her way out of debt. I loved [more...]

Date: 2009-01-15 22:11:21

Democrats ignore recent history/reality, continue to spend money we don't have

The Wednesday edition of the Cedar Rapids Gazette shows a picture of Governor Chet Culver and a headline - a snippet from his state of the state ... budget properly.  So now our ignorant of debt Governor proposes borrowing money in the form of issuing [more...]

Date: 2009-01-16 00:08:01

My Stock Market and Real Estate Predictions For Year 2009

Goodbye 2008 and Good Riddance - Hello Year 2009! Happy New Year everyone! ... way out by blaming the credit crisis and current economic woes on the Bush administration ... on the wrong culprits. The primary blame should be placed on ourselves - the credit and home hungry [more...]

Date: 2009-01-02 03:50:28

Wall Street Breakfast: Must-Know News

Morgan Stanley Smith Barney. Citigroup (C) and Morgan Stanley (MS) confirmed they're merging their wealth management units into Morgan Stanley Smith Barney. Morgan will pay $2.7B for a 51% stake with the option of taking full control after five years. Citi will book a pre-tax gain of $9.5B, and an after-tax gain of $5.8B [more...]

Date: 2009-01-14 12:15:31

Are you willing to go out and purchase a motorbike and want 5000 euro

Are you willing to go out and purchase a motorbike and want 5000 euro January 14, 2009 The Dutch translation says: ... that offers you a bank loan. Share This Posted in Credit Card Debt | | Comments (0) ... out if you can have a credit loan at a proficient percent rate. Many of the merchant banks wil show you a interest rate [more...]

Date: 2009-01-14 22:19:33

WORST PITCH IN THE WORLD! (apologies to Keith Olbermann)

Last August, I received what can only be classified as the worst pitch (and dumbest idea) (and most greedy letter) that I have ever gotten ... together debt free! With Scott being an inner city teacher for over 15 years and myself being [more...]

Date: 2009-01-03 18:42:00

Money Hacks Carnival - New Year’s Eve Edition

Welcome to the New Year’s Eve Edition of Money Hacks Carnival ... , wealth, and love! Debt & Credit The credit crunch is in full effect right now - lenders ... are taking on less debt, leading to an increase in the savings rate in the US. I think that’ [more...]

Date: 2008-12-31 12:03:10

Financial Advice And Free Book Offer From Zen Master Leo Babauta

By Will Chen Leo Babauta is the author of of the highly popular Zen Habits blog and the new book The Power of Less: The Fine Art of Limiting Yourself to the Essential. The book was just released yesterday and it is already the bestseller in Amazon's Motivational Books category [more...]

Date: 2009-01-01 13:26:17

Pocket Profile: The Finance Buff

This week we spoke with The Finance Buff. His blog was named the Best Finance Blog for People Ready to Save or Invest by the CEO of Wesabe ... percentile! Credit Card Debt: None. Top percentile! What are your two favorite financial products? Why [more...]

Date: 2009-01-15 17:07:27

5 Good Reason Having Multiple Credit Cards Make Sense

5 Good Reason Having Multiple Credit Cards Make Sense While the opinion of many consumers revolves around the credit negative aspects of credit card use, the majority of consumers in the nation own not only one credit card but have several in their wallets. How do you know how many credit cards is too many? Well [more...]

Date: 2009-01-14 00:37:26

Wolf Versus Pettis on US Stimulus, Fiscal Deficit (Not for the Fainthearted)

Martin Wolf has a very good comment in the Financial Times, "Why Obama’s plan is still inadequate and incomplete," ... 6) I argued that the debt-encumbered US private sector would now be forced to save .... The excess [more...]

Date: 2009-01-14 15:43:00

January 2009 Financial Status / Net Worth Update

Net Worth Chart 2008 Credit Card Debt I have no actual consumer debt ... of credit cards this way. However, given the current lack of no fee 0% APR credit card offers ... . In the past, I have been taking money from credit cards at 0% APR and immediately placing [more...]

Date: 2009-01-06 11:22:18

5 Tips on How to Manage Credit Card Debt

5 Tips on How to Manage Credit Card Debt Posted in January 15th, 2009 Category: ... Debt Relief The verdict as to whether credit card debt is good or bad is a shady line. make money online Some financial experts agree that the only good debt is no debt at all. However, others [more...]

Date: 2009-01-15 10:51:45

Bureaus Roll Out New Credit Score Formula for 2009

The three credit bureaus will begin using a new formula to calculate credit scores in 2009 - just as folks were starting to get the hang of what ... collection accounts in which the original debt was less than $100. This is a big victory [more...]

Date: 2008-12-29 21:48:19

Debt Management Dealing With Do Debt Management Plans Work & Non Profit Debt Management Programs

Debt Management Dealing With Do Debt Management Plans Work & Non Profit Debt Management Programs If you feel like you are already drowning in the debts that you have gotten yourself into, maybe it is time to get card credit debt management ... the necessary steps to find that debt management credit counselor resources or company [more...]

Date: 2009-01-14 03:27:20

PS: Tell me I'm not the only bitter one in this crap economy!!!

Oh how i love me some reader mail! This one comes from a fellow budgets lover who just wanted to know that she's not the only crazy out ... are all in this TOGETHER. Below is my attempt to help [more...]

Date: 2009-01-15 16:04:27

2008 Year In Review

Recession? What Recession? By any measures, 2008 was a very good year for John Chow dot Com and myself ... as the US banks so I have no problem getting credit. The proper use of debt is the number one tool [more...]

Date: 2009-01-01 00:43:20

Non-Profit Debt Relief - Get it Free

Non-Profit Debt Relief - Get it Free Posted in January 15th, 2009 Category: ... Debt Relief Non-profit debt relief provides you respite from your numerous lenders by negotiating ... all your credit card arrears. Non-Profit Debt Relief Groups These are one of the most preferred [more...]

Date: 2009-01-15 21:15:29

Can I get Bad Credit and Unsecured Credit Cards?

Can I get Bad Credit and Unsecured Credit Cards? posted on January 15th, ... , there is a credit card on the marketplace for you. If you have bad credit then you will need to find ... that have money, yet want a credit card to maintain their credit rates on the records. Spending money [more...]

Date: 2009-01-15 11:49:39

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