Bonus Day!

Got my year end bonus today deposited to my bank account. SWEET! First order of business was to completely wipe out my credit card and line of credit debt. I’m on track this month to have my best absolute monthly net worth increase since I started recording [more...]

Date: 2009-01-15 18:49:31

Blog posts (318) | Videos (227)
 

Intel reports sharp profit drop

For San Francisco readers keeping up-to-date on celebrity news, ... months of 2008. Sales at the world’s fourth largest chip maker slumped 23% to $8.2bn in line ... into its chips - but there are fears that the credit crunch will impede its business plans [more...]

Date: 2009-01-16 03:00:52

Help Me I Need To Consolidate My Debt

No matter how well you plan, at times you can find yourself the victim of unfortunate financial circumstances ... to your debt consolidation questions and concerns can be fairly straightforward. “When someone ... paying on each loan or credit card,” says financial advisor and business writer Carl Walins. “ [more...]

Date: 2009-01-14 03:05:42

Making a Family Budget

by Mary bush Whether you’ve just started a family and are new to the lifestyle, or you have several kids as old as high school age, ... it, you need some help, too. Debt comes in all shapes and sizes. You could have car loans, small business loans, loans from family, credit card debt, or money owed from any type of financing. You need to find [more...]

Date: 2008-12-31 12:10:08

Making a Family Budget

by Mary bush Whether you’ve just started a family and are new to the lifestyle, or you have several kids as old as high school age, ... it, you need some help, too. Debt comes in all shapes and sizes. You could have car loans, small business loans, loans from family, credit card debt, or money owed from any type of financing. You need to find [more...]

Date: 2008-12-29 11:07:10

Private Equity Re-Gifting: The Debt Exchange

Times are tough for buyout firm-backed companies. The economy is in recession, slowing business and hurting earnings. The credit markets remain shut, making refinancing debt difficult at best. That leaves few options for companies who have debt coming due soon and need to refinance it, or who simply need to rework [more...]

Date: 2008-12-24 15:05:49

Twenty-First Century Trust-Busting

Halfway through Michael Lewis and David Einhorn’s NYTimes Op-Ed (btw, when did those two hook up?) ... businesses to the highest bidders — perhaps to some bank that was not swept up in the credit bubble ... that if you don’t prop up these banks you risk an enormous credit contraction — if they aren’t in business [more...]

Date: 2009-01-04 15:45:51

Roni Deutch Tax Center on Entrepreneur.com

Elizabeth Wilson of Entrepreneur.com recently interviewed me, and I was ecstatic to see how well the resulting article turned out ... school. In 1991 at the age of 26, with $120,000 in law school debt, Deutch rented a two-bedroom ... business services: credit card restoration, bookkeeping [more...]

Date: 2009-01-07 19:58:00

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

Business Debt Consolidation in Credit Crunch Today: A Must Do

In Debt We Trust Many more people drown in debt these days, if not gone bankrupt ... and foremost thing to do is to find the right information on debt consolidation. About debt consolidation for small business According to Bills.com: Debt consolidation is when you consolidate multiple [more...]

Date: 2008-11-01 06:03:43

TARP II: The Wrath of TALF

In normal times the Federal Reserve responds to crises by using teeny, gold-plated hydraulic levers to raise and lower interest rates ... which it will lend up to $200 billion to support the issuance of debt backed by consumer and small-business debt -- such as credit-card loans, student debt, auto loans and loans backed by the Small [more...]

Date: 2008-11-26 15:35:02

Advanta Credit Card Scam

by John Monderine I sit at my desk completely frustrated with Advanta. I opened up a business credit card with them 3 years ago and made a purchase of $6500 to help ... sense. They should lower my rate if they think I will default on my credit card. How will an increase [more...]

Date: 2009-01-12 09:01:11

October Hysteria in Hindsight

October Hysteria in Hindsight By Casey B. Mulligan Casey B. Mulligan is an economist at the University of Chicago. After Lehman failed and “credit markets froze” in the second half of September 2008, many people ... . As a presidential candidate, Barack Obama said that “the credit market is seized up and businesses [more...]

Date: 2009-01-07 11:30:18

BBB Consumer Alert About Credit Service

Hawaii's Better Business Bureau® issued an alert today warning consumers to be aware of companies taking advantage of the credit crunch by promising bogus credit repair services that can be costly and in some cases illegal. With lenders becoming increasingly... [more...]

Date: 2008-10-31 09:59:09

Car Loans

Like all sophisticates, ... a great job of detailing how the car loan business looked amidst the general credit madness: Here’ ... years and required a 20 percent down payment, which limited the kind of negative equity problem seen [more...]

Date: 2008-12-22 18:56:16

Obama's Speech On The Economy

The complete text, via Sargent, is on the flip. Two things stood out for me. First, the 90 day moratorium on mortgage foreclosures ... that so much of their hard-earned savings have disappeared. The credit crisis has left businesses large [more...]

Date: 2008-10-13 22:39:16

The Newspaper Crash of 2009... And How You Can Help

Could things get much worse for the newspaper industry? ... , the signs are already there, and visible to those paying attention. It could be the credit crunch ... cow, and such businesses are often able to attract equity and debt financing on favorable terms [more...]

Date: 2008-10-27 03:42:56

Can Businesses Really Check My Credit Report Before Offering Me A Job? [Ask The Consumerists]

Reader Brandon wants to know if those freecreditreport.com commercials are being misleading when they tell you that your credit report can affect where ... , but how is it that they can scare people into checking their credit scores because "it may even [more...]

Date: 2009-01-14 20:53:31

Barack Obama's speech in Roanoke, VA

Watch it live here Remarks of Senator Barack Obama Roanoke, Virginia Friday, October 17, 2008 We meet at a moment of great uncertainty for America ... of their hard-earned savings have disappeared. The credit crisis has left businesses large and small unable [more...]

Date: 2008-10-17 16:07:45

Ron Paul Pressing for MBL Easing in Stimulus

http://www.nafcunet.org/T... Jan. 12, 2009 – Rep. Ron Paul, R-Texas, is organizing a letter to House Speaker Nancy Pelosi, D-Calif., in favor of including greater member business lending authority for credit unions in connection with this year’s stimulus bill. read more [more...]

Date: 2009-01-12 21:31:47

Can Debt Consolidation Help To Overcome Credit Card Debts?

Are you looking for some inside information on being sued for debt? Here’s an up-to-date report from debt consolidation experts who should know. A debt consolidation loan enables you to reduce these high payments and avoid expensive loan penalties. Creditors will give customers with a good credit history a better rate to keep their business. Once you have rates as low, target the cards with the highest rates first, then work your way down the list. [more...]

Date: 2009-09-19 12:42:52

Can Debt Consolidation Help To Overcome Credit Card Debts?

Are you looking for some inside information on being sued for debt? Here’s an up-to-date report from debt consolidation experts who should know. A debt consolidation loan enables you to reduce these high payments and avoid expensive loan penalties. Creditors will give customers with a good credit history a better rate to keep their business. Once you have rates as low, target the cards with the highest rates first, then work your way down the list. [more...]

Date: 2009-09-16 18:49:56

How to Handle the Bill Collectors

How to Handle the Bill Collectors Posted in January 15th, 2009 Category:Debt Relief Credit card debt collection is a big business. There are millions of dollars every year from thousands of accounts that go to collection agencies for delinquency. Being in debt is never easy and it’s a very stressful time. You may receive [more...]

Date: 2009-01-15 05:53:51

Help! I need a push

This winter has been an off one in Calgary! I have lived here since 1993 and I can not recall this much snow in early January ever, ... , in the middle of server repair, maybe we are working on a proposal or working on our business plan ... .  I found myself in some deep credit challenges, life challenges and other issues in my life [more...]

Date: 2009-01-11 14:48:57

Friday Stories: Hero Pilot, Bad Birds & A-Rod

Stories I’m watching this Friday: Everyone lives, the pilot averted disaster by ditching in the river, and ordinary humans acted like heros ... American help in the oil business Peru must not have a great credit score MarketWatch: 6 brutal facts you need to realize about your retirement Good for you, bad for phone companies: possible cell phone [more...]

Date: 2009-01-16 03:49:36

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

Citi to chop more jobs, again?

Citi CEO Vikram Pandit is ripping apart the company and surely firing even more yet the arrogant and incompetent CEO struggled at the end of 2008 ... announce measures to shed two consumer-finance units and its private-label credit-card business, and step [more...]

Date: 2009-01-14 20:55:02

YouTube & Leadpile Lead Exchange

... Business cash advance Credit card processing Equipment leasing Internet marketing services Web design ... repair Debt consolidation Debt settlement Tax debt relief Bankruptcy Student loan consolidation [more...]

Date: 2008-12-17 14:49:18

Trish Says “Credit Counselor Is Going Out of Business And I’m Late On Payments”

Trish wrote to me through the GetOutOfDebt.org site and asked the following question ... than maybe a credit counseling or debt management program might be worth investigating to see ... . If you have a credit or debt question you’d like to ask just use the online form. I’m happy [more...]

Date: 2008-10-16 17:35:29

Impact of Credit Crisis on the Energy Industry - Where Are We Now?

I recently looked through news articles to see which energy sectors were being affected by the credit crisis ... related problems. One is reduced access to credit, making new borrowing difficult for nearly every business that requires debt. Prices for all commodities have been dropping as well. At least part [more...]

Date: 2008-11-30 13:00:54

The Friday Gathering: Reader of the week

Wow, Friday already. This week has really flown by. I guess that’s the benefit of staying busy ... Paying credit cards before a mortgage was included in the Carnival of Debt Reduction Frugal Babe [more...]

Date: 2008-09-12 09:42:26

BizWeek: Leading Arbitration Firm Favors Creditors Over Individuals

scales In its cover story this week, BusinessWeek offers up a lengthy critique of the National Arbitration Forum, one of the nation’s largest arbitration firms. The story focuses on credit-card collection ... that NAF enlisted law firms with ties to credit-card companies to help NAF win business from creditors ─ [more...]

Date: 2008-06-10 08:45:00

BANKS FACE ANOTHER BAD YEAR IN 2009

Rising loan losses, the threat of more regulation and tougher competition adds up to another year of poor profits for banks BY DAVID ELLIS ... a significant deterioration in the health of their credit cards and home equity loan portfolios ... and business loans are starting to surface as well. “There is loan quality deterioration across [more...]

Date: 2008-12-22 15:14:10

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... has to meet a certain quota for financing GM cars. Also, falling auto sales aren’t the only problem ... it is burning through cash to a punishing level of debt that couldn’t be funded through the markets once [more...]

Date: 2008-12-30 09:57:00

Treasury Official Interviewing for Fed Job

David McCormick, the Treasury Department’s undersecretary for international affairs, ... banking business of Credit Suisse and Terrence Checki, head of the Federal Reserve Bank of New York [more...]

Date: 2009-01-09 14:35:00

Is QVC Evil?

QVC, which stands for Quality, Value and Convenience is headquartered out of little old West Chester, Pennsylvania ... credit card. But isn’t that just good business practice to make it as easy as possible for customers [more...]

Date: 2008-10-25 18:31:55

Let the bidding begin: Dick Cheney's writing a book with 'a few scores to settle'

... Ford. In 1989 he became secretary of Defense for Bush I and oversaw two of the larger military ... : He's been in the government/political business long enough to know you rarely get credit for what [more...]

Date: 2009-01-13 04:25:06

Will the GMAC Deal Spell Relief for GM?

“Consumer credit is the jet fuel of the auto business,” said Michael J. Jackson, chief executive of AutoNation Inc ... . Also, falling auto sales aren’t the only problem facing GM. The auto maker is dealing with myriad issues, ranging from the speedy rate at which it is burning through cash to a punishing level of debt [more...]

Date: 2008-12-30 09:57:00

Collecting Your Money: What to Do When A Client Does Not Pay

Guest post by Sandra P. Martini, the Automatic Business Coach. You’re psyched! ... wire, PayPal, credit card – offer him all the options and be sure that you have more than just “send [more...]

Date: 2008-10-21 23:33:36

Spending Plan Details Released - Gimme your wallets!

Democrats Unveil $825 Billion Stimulus Measure - WSJ ... , increased aid to state governments and $275 billion in tax breaks for businesses and individuals ... breakdown of the tax credits to be included in the bill was published by the House Ways and Means [more...]

Date: 2009-01-15 19:10:52

Barack Obama Draws 100,000 to St. Louis Rally

Wow. This is impressive no matter your political persuasion ... have disappeared. The credit crisis has left businesses large and small unable to get loans, which [more...]

Date: 2008-10-19 04:51:44

“A Rescue Plan for the Middle-Class”

Remarks of Senator Barack Obama (as prepared for delivery) ... -earned savings have disappeared. The credit crisis has left businesses large and small unable [more...]

Date: 2008-10-13 18:46:51

Your Choice: Doom & Gloom or Strategic Marketing

Well, the reports are out. The National Small Business Association is reporting (based on its 2008 Year-End Economic Report) ... marketing plan. Image credit:  gothicburg, on Flickr Tags: achieve success, Business, economy [more...]

Date: 2009-01-15 16:09:27

Barack Obama speech from St Louis, MO

Remarks of Senator Barack Obama (as prepared for delivery) St ... -earned savings have disappeared. The credit crisis has left businesses large and small unable [more...]

Date: 2008-10-18 18:37:52

A “Computer Glitch” Caused Macy’s Customers to be Charged Twice

On December 22, a representative for Visa wrote about that company’s protection for customers who use debit cards: If your account is compromised, ... provisional credit for losses from unauthorized card use within 5 business days of notification ... Visa is committed to setting things right without further aggravation or inconvenience [more...]

Date: 2008-12-30 20:00:49

Obama’s Blunders

Obama is looking pretty weak and without convictions before even being sworn in. The biggest concern I think every one has ( ... projected a lot of hopes and wishes (and fantasies). His handling of the Blagojevich incident was a bad ... the $3,000-per-job credit last week as one of five individual and business tax incentives aimed at winning [more...]

Date: 2009-01-15 13:23:57

In This Failing Economy A Multitude Of Business Owners Are Searching For Fresh Marketplaces In Which To Do Business

This terrible financial system is leaving a lot of people that were in business looking for a new means of income ... particularly credit card debt. The standard American family has somewhere around ten thousand or more in debt ... . In particular the debt settlement industry Some people would question why get into this market. Well [more...]

Date: 2008-11-29 04:11:23

But He's On Vacation!

President Bush was in TEXAS for a weekend getaway, but that damn economy keeps ruining things ... , a automobile repair shop, a restauranteurs -- two restauranteurs. And it's clear that these small business owners are dealing with the effects of a credit crunch. And by that I mean that they're having trouble [more...]

Date: 2008-10-06 18:00:23

Experian Dispute

by Justin Hutto To file a dispute with Experian credit bureau you must write a dispute letter ... many businesses are not going to spend the time or money verifying a disputed debt. A credit repair ... . These include; escalated dispute information requests, debt validation, and creditor direct [more...]

Date: 2008-11-25 22:44:07

No More Investment Banks - Turn Them Into Public Utilities By Mike Whitney

Dandelion Salad By Mike Whitney October 18, 2008 “Information Clearinghouse“ “If you made it past the credit crisis, ... they couldn’t roll over their short term debt. Cargo ships were stuck in ports around the world because buyers couldn’t get Letters of Credit. As analyst John Mauldin said, “Just as the business [more...]

Date: 2008-10-20 00:38:25

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