Are You Sinking?

It is all too common these days, people suffering from poor financial decisions and ending up in hole that they cannot climb out of. High credit card debt, loans that cannot be paid off and recently more people are losing ... . Credit card debt was our biggest hurdle. But, speaking from experience, we can tell [more...]

Date: 2008-11-14 23:21:53

Blog posts (141) | Videos (221)
 

Thanksgiving surprise: $800 billion more for the credit markets

The $800 billion in new outlays announced today by the federal government to unlock the credit markets might have come as a shock if you remembered ... of the credit crisis. By buying Fannie and Freddie debt, the Fed believes the yields will go down, taking ... Asset Relief Program, or TARP. And that’s still the case, because the $800 billion — which is [more...]

Date: 2008-11-26 00:40:21

Cheap is the new black

From the Wall Street Journal: Hard-Hit Families Finally Start Saving, Aggravating Nation’s Economic Woes Rick and Noreen Capp recently reduced their credit-card debt ... s what economists call the “paradox of thrift.” U.S. household debt, which has been growing steadily since [more...]

Date: 2009-01-06 11:35:39

How to Get the Tax Debt Relief You Need

Author : Vlavladi Vishnu A "little" tax probelm can become a huge financial and legal nighhtmare in just a short time Many thins can cuase you to have tax prbolems You might have made a mistake when you fled, thinking that everything was fine A few months later you get a letter from the IRS that tells you that you owe a substantial amount of mooney What are you gooing to do? [more...]

Date: 2009-09-26 07:31:07

The US Now Owns Citigroup (C), Not Done Funding Bank

One size does not fit all. Citigroup (C) will get a bailout which does not look anything like the deal the government has made with other ... is guaranteeing. Citi's troubled credit card portfolio, which could still face huge losses, is not including ... that the bank is too big to fail". Citi's troubles are not over. It consumer debt could [more...]

Date: 2008-11-24 08:14:49

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

Personal Finance - Digging Yourself Out of Debt

Excessive consumer debt can be a prison, holding you captive to past financial decisions and overspending ... are true, you have a consumer debt problem: You have little or no savings and are at your limit ... and dreams. In addition to living an all-around frugal lifestyle, the following steps help you get debt [more...]

Date: 2009-01-15 21:23:35

CPI Drops Most On Record, What's Ahead?

For many months now I have been saying the CPI was going to go negative and stay there for quite some time. This was an easy call to make given the plunge in commodity prices in general and gasoline prices specifically.The effect would be even greater if housing prices were properly reflected in the CPI [more...]

Date: 2008-11-20 05:05:00

Transcript: President George W. Bush at American Enterprise Institute, Includes Q&A | December 18, 2008

(Source: White House Press Office) 10:44 A.M. EST MR. DeMUTH: Mr. President, what’s on your mind this morning? THE PRESIDENT: First, thanking you for being the leader that you’ve been, and thanking AEI for generating good thought. People in the public arena need to have support for philosophy — and that’s what you provide, [more...]

Date: 2008-12-18 20:43:07

Economic Potpourri December 14, 2008

The barrage of noteworthy economic news continues unabated. Here are a few headline news reports of interest from the past couple days ... of U.S. government debt outstanding rose to $10.7 trillion in November from $9.15 trillion a year earlier ... people continue to flock to the U.S. government debt market because it’s the biggest and deepest [more...]

Date: 2008-12-15 02:30:00

American Express: Don’t Leave Home Without Uncle Sam

In Shakespeare’s “Hamlet,” Polonius advises: “Neither a borrower nor a lender be ... % for the year (though up ever so slightly, two cents, Friday). In freezing the debt markets, the credit ... One of them is American Express. It has been a tough week for the charge card issuer, whose stock [more...]

Date: 2008-12-12 19:47:00

Equity Line of Credit:Is this the Answer to Your Financial Needs?

by Doc Schmyz We all know by now that home owners have a hidden savings account…its called HOME EQUITY ... Line of Credit? With a typical loan, which deposits a set amount of money in your account and begins ... asking for a new loan when you have paid it back. What can the HELOC be used on?? We can all find [more...]

Date: 2009-01-05 19:12:07

Christmas Potpourri and Holiday Shopping Update

Happy Holidays and Happy New Year to you and your loved ones. Here are a few headline news reports of interest from the past couple days.U.S. Store Traffic Fell 24% on Pre-Christmas WeekendU.S. retail store traffic fell 24 percent last weekend from a year earlier as deepened discounts failed to entice consumers to spend during what may be the [more...]

Date: 2008-12-26 03:52:00

Credit Card Debt Reduction - What You Must Know

by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... . As we just said, there is a lot of advice available on how to reduce credit card debt and the only thing you need to do is put that advice, on how to reduce credit card debt, to practice in real life. Well [more...]

Date: 2009-01-15 14:51:14

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

Bring Back Paternalism in the Mortgage Market

Not Responsible—Tom Jones Now let me ask you something: Have you ever felt that you weren’t responsible for the things that you do? I do not like government paternalism. When Ronald Reagan came to power and began our 25 year experiment with government deregulation, I thought it was a good idea [more...]

Date: 2009-01-12 15:43:03

relieve yourselves from this kind of stress

A dear relative was too happy to be able to purchase a luxury car with such a good deal ... alternative to debt burdens rather than bankruptcy filing and embarrassing debt counselling. ... to Debt Relief assistance if and when our debts are too hard to manage and we want to have a 2nd [more...]

Date: 2008-11-14 20:10:06

Debt Reduction Program

Debt Reduction Program Posted in January 15th, 2009 Category:Debt Relief The numbers of debt ridden customers are increasing ... into debt traps. Debt reduction is an innovative approach to solve unsecured credit card ... ... . While credit facilities take up the fancy of buyers, they land themselves in debt. Not everyone [more...]

Date: 2009-01-15 12:32:44

Federal Reserve, Treasury Announce $800 Billion Plan to Support Consumer Lending

Let's see, Bloomberg said yesterday that the Federal government had committed $7.4 trillion to lending facilities and guarantees ... loans, auto loans, credit card loans, and loans guaranteed by the Small Business Administration (SBA ... (TALF), a facility that will help market participants meet the credit needs of households and small [more...]

Date: 2008-11-25 15:09:54

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

Peak Earnings

Before we explore the concept of Peak Earnings let's take a look at the mad rush by financial institutions to become banks or bank holding companies ... status to participate in the Treasury Department's $700 billion Troubled Asset Relief Program (TARP ... from the U.S. government's Troubled Assets Relief Program, whic [more...]

Date: 2008-11-17 00:21:00

Say bye to your debts with Debt Consolidation Loans

Naturally, people take loans to satisfy either their personal or the business financial needs ... the lenders, who gave them money. In this condition, the debt consolidation loans help them in a great way ... . These loans are available in two forms such as secured and unsecured. Secured debt consolidation loan [more...]

Date: 2009-01-15 12:24:04

Economic Potpourri December 20, 2008

The barrage of noteworthy economic news continues unabated. Here are a few headline news reports of interest from the past couple days.Legg Mason to Add Miller to All Cap Fund Manager TeamBill Miller, the Legg Mason Inc. money manager whose two funds have each lost more than half their value this year, [more...]

Date: 2008-12-21 01:05:00

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

What You Must Know About Reducing Your Credit Card Debt

by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... of advice on how to reduce credit card debt, are available, however nothing much seems to change ... debt. As aforementioned,lots of advice are available on how to minimize credit card debt, and the only [more...]

Date: 2009-01-14 13:51:26

The Best Credit Card Consolidation Loans for Debt Problems

Increasing numbers of U.S citizens are having serious money difficulties especially those surrounding credit card debts. It is often the case that these credit card debts have accrued over a period of time because of a number of costly emergencies that needed paying for. Credit card debt relief is possible no matter [more...]

Date: 2009-01-15 12:15:08

A few tips to assist with credit card debt relief.

Here are a few ways to help get you started toward getting some credit card debt relief. If possible pay more than the minimum payment amount ... with the higher interest rates first. On your highest interest rate debt, pay the minimum payment plus any ... payment on a $2,500 debt that would only be about $50 per month toward decreasing that debt [more...]

Date: 2009-01-15 22:10:33

Roubini's Latest "Why Things Are Hopeless" List Hits New Record, 20 Items!

I have not made a formal tally of Roubini's various lists of why the economy is going (and will continue to go) ... and have so far proven correct, one needs to find comic relief where one can. From RGE Monitor ... is debt burdened with the debt to disposable income having increased from 70% in the early 1990s [more...]

Date: 2008-11-16 07:13:22

Fed Announcements on Household Credit, GSEs

TALF Announcement For release at 8:15 a.m. EST The Federal Reserve Board on Tuesday announced the creation of the Term Asset-Backed Securities Loan Facility (TALF), a facility that will help market participants meet the credit needs of households and small businesses by supporting the issuance of asset-backed securities (ABS) [more...]

Date: 2008-11-25 13:33:18

A Word On Credit Card Debt Reduction

Too many Americans have been getting caught up in the credit card debt cycle and have not figured out a way to escape ... is with a credit card debt relief program. The problem is not many have any clue as to what is available to them ... free of credit card debt much faster. The only problem many debtors have with this type of a program [more...]

Date: 2009-01-15 16:29:48

The Fed Gives Consumers an Early Christmas Present

Last week the Federal Reserve released some long awaited new credit card rules that will provide important new protections for consumers ... we could help consumers make better and more rational financial decisions without greatly inhibiting [more...]

Date: 2008-12-24 23:44:00

You Never Give Me Your Money(long 6 min version)-The Beatles

September 28th, 2009 | Tags: 6), Beatles, Give, Me, min, Money(long, Never, version)-The, you, Your Share: Leave a comment | Trackback Related PostsNever Gonna Give You Up (Piano)Give me your money! Park Ave. Fest Rochester NY 2006Never Gonna Give You Up -Rick Astley- (Piano Cover)Never Gonna Give You Up by Rick Astley on PianoNever Gonna Give You Up-Richard’s Piano Cover(The Traffic Plan) Imagine If YOUR Internet Marketing System Was FREE. [more...]

Date: 2009-09-28 18:11:33

Credit Card Debt Assistance Programs Which Offer Relief

Many people in the United States are undoubtedly heavy into credit card debt, and the effects of the recession have not made it any easier for them to repay their existing credit card debts As part of the debt relief program initiated by the government, many credit card companies are offering credit card debt assistance in the form of the consolidation of credit card debts [more...]

Date: 2009-09-29 03:34:03

Know Your Credit Card Debt Settlement Options

by Carina McMullen Knowing that there are solutions to your credit card debt settlement needs is the first step in taking back control of your ... relief to handle your creditors for you. With the right plan, credit card debt settlement will be much quicker and easier. Whether you’ve got one credit card debt settlement that you need to pay [more...]

Date: 2009-01-15 08:28:04

Government To Commit Another $600 Billion On Mortgages, Another $200 Billion on TALF

Not content with previous Bailout Pledges of $7.7 Trillion the Fed Commits $800 Billion More to Unfreeze Lending ... businesses, committing up to $800 billion.The central bank will purchase as much as $600 billion in debt ... are beginning to take a large amount of credit risk.”The Fed will purchase up to $100 billion in direct debt [more...]

Date: 2008-11-25 16:55:00

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

Friday Digest - Vol. 09 No. 01

Friday Digest — Vol. 09 No. 019 January 2009THE FOUNDATION"A Constitution of Government once changed from Freedom, can never be restored. Liberty, once lost, is lost forever." --John AdamsPATRIOT PERSPECTIVE2008 in review: Top questions Barack Obama did not answerBy Mark AlexanderPerhaps you've noticed an abundance of "Top Ten" [more...]

Date: 2009-01-09 16:19:00

Credit Card Help: Debt Relief Tips For Paying Off Your Cards

If you’re looking for credit card help, debt relief, consolidation loans or any of a number of other ways to pay off your credit cards, ... you’re probably feeling stressed out and wondering how to get out from under the weight of all that debt. Believe me, I understand how you feel. At my high point I ... [more...]

Date: 2008-11-20 20:49:52

Holiday Gift Giving On A Tight Budget

How we’re approaching holiday gift giving this season as we keep to a tight budget ... all available money toward reducing our debt and following debt elimination tips and debt reduction ... debt was crippling our family and drastic measures where required to stop the damage [more...]

Date: 2008-12-16 20:26:24

Credit Card Debt Reduction - What You Must Know

by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... of advice available on how to reduce credit card debt, but still nothing much seems to change ... . So, how do you reduce credit card debt? Well, you reduce credit card debt by preventing [more...]

Date: 2009-01-15 14:51:01

Home equity line of credit: Do you really want one?

by Doc Schmyz We all know by now that home owners have a hidden savings account…its called HOME EQUITY ... projects you wish to do. Would You Want an Equity Line of Credit? Unlike a typical loan which ... loan. What Can I Use the Equity Line of Credit For? While you can no doubt find numerous uses [more...]

Date: 2008-12-29 16:17:10

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

Do you really need a home equity line of credit?

by Doc Schmyz If you own your home you have a financial resource available to you that can help you with your financial needs or concerns ... of credit acts as a revolving credit (like your credit card). You do not need to pay interest on the full amount you have access to — you only pay for what you have used. Also, like a credit card [more...]

Date: 2009-01-14 10:28:55

Trepidation About Quantitative Easing, Version 2.0

The Fed made official its move to quantitative easing today, and said it will take no prisoners until it has lowered rates and credit spreads further ... of agency debt and mortgage-backed securities to provide support to the mortgage and housing [more...]

Date: 2008-12-17 10:28:49

Getting Credit Card Counseling for Your Debts

Getting Credit Card Counseling for Your Debts Posted in January 15th, 2009 Category: ... Debt Relief There are many things that we are not in control of, and there are many things we need, even if we can’t afford them. make money online During these times it’s great to have a credit [more...]

Date: 2009-01-15 21:44:24

another post for Debt Consolidation

How would you like to be free from all your credit card debts? ... and totally be able to credit cards and debt and other matters related to it. That is why I really ... for all my credit card dues from collection agencies is really pain in that part, you know what I mean. Anyways [more...]

Date: 2008-12-26 06:05:16

Does Paulson Have Any Idea How to Spend Our $700 Billion?

Does anyone else get the funny feeling that we’re going to discover very soon that the $700 billion has been spent and no one is quite sure what it ... Express, now that it has been characterized as a bank, as well as into the credit card, auto loan [more...]

Date: 2008-11-13 21:43:44

Pay Off Your Credit Cards in Record Time

Pay Off Your Credit Cards in Record Time Posted in January 15th, 2009 Category:Debt Relief Credit card debt - it seems we are drowning in it. Each year, Americans rack up more and more debt and it becomes harder and harder to pay them off it seems. Many of us have multiple credit cards with different balances meaning that each month [more...]

Date: 2009-01-15 16:02:16

suspend the required minimum distribution (RMD) for 2009 (the Senate has since voted in support of this measure). Today I thought I’d spend a bit of time explaining exactly what the RMD is for those that aren’t familiar with the term. What is a Required Minimum Distribution? [more...]

Date: 2008-12-11 16:10:53

The Benefits of Credit Card Debt Settlement

The Benefits of Credit Card Debt Settlement Posted in January 15th, 2009 Category: ... Debt Relief More people are finding themselves in debt today for one reason or another. Companies are downsizing putting more people out of work and many creditors have become lenient [more...]

Date: 2009-01-15 16:51:54

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