Tenant Loans - Tenants Only Resort

As if the problems of tenancies were not enough that loan providers too have started treating tenants in a step motherly fashion. Such is the indifference of loan providers that it appears as though loan opportunities are all shut for the tenants. Since they do not have a home of their own, tenants are often eyed with suspicion [more...]

Date: 2009-01-15 22:31:49

Blog posts (166) | Videos (465)
 

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

Kicking Off the Panic of 2009

“Sir, there are no seats left. You’re going to have to stand in the back.” I was only 10 minutes late, but the conference hall was packed. Every seat was taken. The walls were lined with people. At that point, I knew without a doubt, there was a lot more downside left in real estate [more...]

Date: 2009-01-16 01:10:34

Four at Four: Bank of Whatever

Never underestimate the power of the market to confound. Citigroup Inc., an institution that appears more or less rudderless, gains more than 5% on news that it is planning one of those ethereal, wondrous-sounding “overhauls” that will involve focusing on wholesale and retail banking [more...]

Date: 2009-01-08 16:04:41

Unsecured Unemployed Loans - to Lessen the Pangs of Unemployment

Financial irregularities are not new to the unemployed person. With the blockage of the only or major source of income, making ends meet is surely going to be a big problem. In that regard, unsecured unemployed loans are going to be very helpful. An unsecured unemployed loan is designed particularly for the unemployed people [more...]

Date: 2009-01-16 02:39:21

Need Help With Money

It’s normal for people to make mistakes when it comes to money, but with the economy being in the state it is in now, you may need to correct some of your bad money habits to survive the recession. The most common mistake is the neglect of credit scores. Your credit score is incredibly important in an age where [more...]

Date: 2009-01-16 01:57:49

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

Online Car Loans

We all love the Internet. We love the convenience of online shopping because it’s fast and easy to buy anything, ... of generic auto loan brokers with websites as well. Many will claim to guarantee you the lowest ... . That is not to say that you cannot possibly find a good rate for your auto loan online [more...]

Date: 2009-01-15 23:52:41

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

Is Bank of America the Next “Citi”?

Is Bank of America the Next “Citi”? This morning Bank of America hit a new 52 week low, and traded at its lowest level since 1991 ... that help illustrate why humans make predictably irrational decisions. Ariely is the author ... , and the weaknesses in the credit rating agencies’ collateralized debt obligation (CDO) assumptions [more...]

Date: 2009-01-15 15:42:49

Banks put their hands up

The local banks turned up at the Assembly a month after they were requested to do so and put their hands up ... with the credit crisis had not always been fairly treated. Business, personal users and people ... They need money, they need cash flow and I don’t see it coming. “All I see is a bundle of bad nerves [more...]

Date: 2009-01-15 09:21:49

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

Refinancing When You Owe More Than The Home Is Worth

I've been looking around for an answer to this but my searches haven't returned anything useful ... now, that's 50% equity even if you didn't have a down payment. So people who bought for $180,000 were refinancing ... $225,000, that's one loan at 6.25%, with a payment of $1089.82. This cuts $86.49 off the monthly [more...]

Date: 2009-01-08 09:54:12

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

Choose A Loan Carefully

If you are thinking of taking up one of the many offers that you see on the television or in the daily newspapers. Offering to give you a personal loan that will consolidate your debt into one manageable monthly ... with the consolidation loans, many seem to have a blind spot and only look at the loan amount column [more...]

Date: 2009-01-16 03:33:21

Government help for the bank lending: just “get on with it”

Last weekend the Prime Minister announced yet another “anti-recession” plan which included the “creation of up to 100,000 new jobs” ... that households are reining in after the years of credit-fuelled excess. Two key indicators are housing equity [more...]

Date: 2009-01-08 21:14:21

Credit Crisis Watch: Gaining Positive Traction

In order to gauge the progress being made to unclog credit markets and restore confidence in the world’s financial system, I monitor a range of financial spreads and other measures. By perusing these, as summarized in this “Credit Crisis Watch” review, [more...]

Date: 2009-01-14 13:30:49

Refis

On the eve of the closing for my refinancing, I notice this from the W$J: ... ). Now I understand why: Only about a third of U.S. mortgage debt outstanding is likely to qualify ... Interest rates on fixed-rate mortgage loans for prime borrowers have fallen to below [more...]

Date: 2009-01-15 16:42:15

Guaranteed Payday Loans - The Facts

by Trinity Thomas If you are in need of cash, but your paycheck is still a few days off, you may think about taking out a guaranteed payday loan from a lending institution ... , you have probably seen quite a few payday loan stores around. If it’s not, you probably haven’t. Finance [more...]

Date: 2009-01-16 00:09:11

The Last Bastion of the U.S. Economy Is In Full Retreat

In previous economic slowdowns, it was always consumer spending that kept the American economy afloat. Millions of Americans continued shopping at malls, buying cars, ordering gadgets through the mail and TV and otherwise putting their wallets and purses on the line [more...]

Date: 2009-01-15 19:45:21

Foreclosures in U.S. Rose 81%, Topping 2.3 Million Last Year

Foreclosures in U.S. Rose 81%, Topping 2.3 Million Last Year By Dan LevyJan. 15 (Bloomberg) — U.S ... of California, Berkeley, said in an interview. “The single most important thing is making credit available ... in 2008.About 55 percent of loans modified in the first quarter of 2008 were 30 days [more...]

Date: 2009-01-15 16:45:20

Using Eminent Domain To Acquire Mortgages Would Be Reckless And Dangerous

Just when I think that the bailout plans couldn’t get any wackier, ... Financial Services yesterday- they propose using eminent domain to buy loans to modify them. Here’ ... is and has been the loan servicer and that servicer’s responsibility to its investors. So many loans [more...]

Date: 2009-01-14 15:01:57

Common Types of Guaranteed Loans

by Trinity Townsend The term guaranteed loan might mean different things to different people ... for any default on the loan. One very common government guaranteed loan is a student loan ... history. Students can usually receive pretty good interest rates with their student loan as well [more...]

Date: 2009-01-15 20:22:36

President-elect Obama’s Economic Speech

President-elect Obama’s Economic Speech Here’s highlights from the speech (full video here): Full text of the speech below: ↓ Show full post ↓ Remarks of President-Elect Barack Obama As Prepared for Delivery American Recovery and Reinvestment Thursday, January 8, 2009 Throughout America's history, [more...]

Date: 2009-01-08 02:14:29

Monetary Conditions Might Exacerbate the Chinese Adjustment

I think if I were an economic policymaker in China I would be spending most of my time thinking about the money supply and how it works. There is a small but growing possibility that Chinese monetary conditions are going to go wrong at exactly the wrong time, [more...]

Date: 2009-01-15 14:32:35

Constitution Party: ‘The mortgage thieves return’

Reposted at http://www.constitutionparty.com/news.php? ... spectacle of bad actors descending on a government program fat with new money and starved ... and proof of an ability to pay the money back. These were boring 30-year fixed-rate loans. Now FHA [more...]

Date: 2009-01-07 18:25:37

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

Shock & Awe! - NOI Gets Bombed

Noah and I have been talking ad nauseam about the imminent threats to the New York City land market, commercial real estate market and ultimately the residential real estate market as a result of the tentacles of the credit debacle going back quite a stretch [more...]

Date: 2009-01-09 00:25:02

Owner of Black Angus Steakhouse files for bankruptcy

the bottom line for this personal bankruptcy: $2.7 million in assets and $345.3 million in debts. Deeper inside the schedules Gantes discloses that he potentially owes millions in unpaid payroll and sales taxes for his restaurants: $5 million to $7 million to the Internal Revenue Service in unpaid payroll taxes [more...]

Date: 2009-01-15 19:15:42

Why Getting A Copy Of Your Credit Report Is Important

Your credit rating, like a report card of your credit history, is important when determining your economic status ... to begin. The first step to credit repair would be to order a current copy of your credit report ... . When your credit rating is good, can easily obtain a loan, a mortgage, or credit cards, among [more...]

Date: 2009-01-16 00:04:35

A Car Loan For People With Bad Credit

Banks charge higher interest rates on loans for used cars than on loans for new cars ... who is considered a subprime borrower is one who has a blemished credit history. He may not be paying his bills on time or he may overextend his credit card. A subprime borrower is usually someone [more...]

Date: 2009-01-16 01:19:27

Eliminate Your Debts With Unsecured Debt Consolidation Loan

Are you worried about piles and piles of debts? Well, unsecured debt consolidation loan is what you’ve been looking for ... for unsecured debt consolidation loan. It’s a loan alright but with this you can say goodbye ... all your outstanding liabilities. In the end, you will only be left with unsecured debt consolidation loan [more...]

Date: 2009-01-15 07:50:27

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

Citi on Its Way to Breakup?

The Wall Street Journal tonight says, "Citigroup Takes First Step Toward Breakup." But what does that mean, exactly? ... banks. TPG's $7 billion stake in WaMu turned to dust in record time. The credit, Treasury and trading [more...]

Date: 2009-01-10 05:11:48

Bad Credit Personal Loan, No Credit Check And Credit Cards

Bad Credit Personal Loan, No Credit Check And Credit Cards Choosing the right collateral So what is the right collateral to secure a bad credit ... that do well for these loans are real estate and automobiles. Getting the most out of your loan Once you’ve decided what you want to use as collateral for a bad credit bank loan, you need to decide upon [more...]

Date: 2009-01-16 03:48:11

Banks’ Loan Losses Could Reach $2 Trillion

It is little wonder financial markets are taking a beating ... look at losses on U.S. loans, not the bad mortgages and debt sitting in places like Europe ... debt and business debt and Goldman’s loan loss estimate hit $2.1 trillion. Many of those losses [more...]

Date: 2009-01-15 18:04:50

Banks? Loan Losses Could Reach $2 Trillion

It is little wonder financial markets are taking a beating ... look at losses on U.S. loans, not the bad mortgages and debt sitting in places like Europe ... debt and business debt and Goldman’s loan loss estimate hit $2.1 trillion. Many of those losses [more...]

Date: 2009-01-15 17:06:33

Deals of the Day: Treasury Bails Out Merrill Lynch Acquisition

Deals of the Day, compiled by Stephen Grocer and Heidi N ... aid to Bank of America to help it close its acquisition of Merrill Lynch. Treasury Secretary Paulson had been concerned that without further help the merger wouldn’t close, leaving Merrill adrift [more...]

Date: 2009-01-15 14:29:55

Deals of the Day: Treasury Bails Out Merrill Lynch Acquisition

Deals of the Day, compiled by Stephen Grocer and Heidi N ... aid to Bank of America to help it close its acquisition of Merrill Lynch. Treasury Secretary Paulson had been concerned that without further help the merger wouldn’t close, leaving Merrill adrift [more...]

Date: 2009-01-15 14:43:53

Financial Collapse - Round 2 Preview

If you have been reading this blog and some other greats, ... of the credit markets. Urgent intervention by world government kept things from taking their natural [more...]

Date: 2009-01-15 20:45:17

Bad Credit Score is not a Problem to Get a Loan

Are you having a problem regarding your credit loan right now? ... in the past causing you to get bad credit rating because of your financial hardship or bankruptcy ... Credit. It is truly a resource center for you to find a loan online easily [more...]

Date: 2009-01-13 17:46:16

Using Eminent Domain To Acquire Mortgages Would Be Reckless And Dangerous

Just when I think that the bailout plans couldn’t get any wackier, ... sustainability.” This strikes me as a REALLY BAD IDEA for several reasons.  Olick touched [more...]

Date: 2009-01-15 21:52:30

Insider Q&A: O.C. bank president on his $5 million in TARP funds

Simmons Commerce National Bank in Newport Beach is the latest O.C. bank to get funds from the U.S ... s sake. Q. How will the money make a difference in your bank’s ability to loan? A. It’ [more...]

Date: 2009-01-15 10:00:55

Well Below Expectations

Good Evening: The bad news finally caught up with the markets today ... to inventory ratio. A report estimating that housing still has a lot further to fall only added [more...]

Date: 2009-01-15 04:09:51

Islamic finance in Michigan: "When you look at the economic crisis we're in, if you were to follow Islamic or Sharia financing, you couldn't have this crisis"

And if cars didn't exist, you never would have had that fender-bender that made you late for work ... . Are Western economic systems perfect? Clearly, they are not. But the bottom line is this: Bad things [more...]

Date: 2009-01-14 05:01:00

Get A Used Car Loan Without A Credit History

by John Brennan How do I get a used car loan wihout any credit history? ... the car back. It is not always a bad thing to ask for a car loan without any credit history ... such a large amount. Most loans do require some sort of credit history for approval [more...]

Date: 2009-01-15 21:15:24

Dandelion Saladby Prof. Peter Dale Scott Global Research, January 8, ... has refused to provide information about its own bail-out (using government-backed loans [more...]

Date: 2009-01-08 15:39:23

Alan Schram: The Story of 2008: What Went Wrong?

The past year has been financially chaotic on a level almost no one alive has ever seen ... has $1 billion of capital. They buy $30 billion worth of triple-A mortgage-related debt using $29 billion [more...]

Date: 2009-01-12 05:06:35

How To Find The Best Student Loan Consolidation Programs

by Trinity Tolbert After four years or more of college, you probably have several different loans ... on your loans. Most of the time, loan officers will help you interpret the best consolidation program [more...]

Date: 2009-01-16 03:14:12

Deflation, Deleveraging, and the Stimulus Effect

Forecast 2009: Deflation and Recession January 10, 2009 By John Mauldin Where are we headed in 2009? ... of economic theory and practical investment advice. Already committed to speak are Martin Barnes [more...]

Date: 2009-01-11 12:32:28

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