An Interview with LendingClub’s Rob Garcia

LendingClub brings individual borrowers and lenders together to fund loans up to $25,000 ... ’s community is made up of borrower and lender members. Borrowers are good credit folks who need ... are typically lower than those paid by borrowers on their credit cards, but higher than those received [more...]

Date: 2009-01-14 11:40:39

Blog posts (152) | Videos (93)
 

Spotlight Supplier: Proweaver

Spotlight Supplier: Proweaver January 12th, 2009, by: 2checkout Proweaver Proweaver is currently offering FREE custom-designed layouts (3 different concept designs) for your planned website. This is consistent with our commitment in giving our clients the best value in custom web design services [more...]

Date: 2009-01-10 16:05:52

Bankruptcy Reform Caused More Foreclosures

This research is from the NY Fed. It finds that bankruptcy reform shifted default risk from credit card lenders to mortgage lenders and in doing so ... in subprime foreclosures by shifting risk from credit card lenders to mortgage lenders. Before BAR, any household could file Ch. 7 bankruptcy and have credit cards and other unsecured debts discharged [more...]

Date: 2008-12-12 22:43:00

What I’m looking for in my next registrar

I have been a Go Daddy customer for about 5 years (wild guess). Somehow, I have managed to buy dozens of domain names through them, despite their constant efforts to prevent me from doing so. Their prices seem fine and their service seems good (I also have hosting, [more...]

Date: 2009-01-12 02:46:42

Wells Fargo Prime Rate Credit Card Eases the Credit Crunch for Consumers

The new Wells Fargo Prime Rate Credit Card offers a panacea to shady interest rate hikes, ... : The Prime Rate APR does not apply to cash advances. If a minimum monthly payment is not received ... who doesn’t pay off their entire bill monthly, and needs a card to carry debt. I hope other banks follow [more...]

Date: 2009-01-14 16:53:47

Is 2009 the Year of Credit Card Reform?

iStockphoto iStockphoto Dissatisfied with the timing and sweep of new federal rules designed to protect credit card users from the banks that ... on Thursday, will prevent credit card companies from increasing interest rates on existing balances ... credit card reforms in 30 years. Illustration by: Matt Mahurin Illustration by: Matt Mahurin [more...]

Date: 2008-12-23 15:45:04

Responding to criticisms about OpenID: convenience, security and personal agency

Chris Dracket responded to one of my tweets the other day, saying that “OpenID should be dead… it’s way over-rated”. I’ve of course heard plenty of criticisms of OpenID, but hadn’t really heard that it was “overrated” ( [more...]

Date: 2008-12-27 07:50:12

Saving your credit and credit scores

I have blogged about my experiences with American Express and their systematic reductions in my credit lines ... report. Canceling a card with a good history will impact your credit, but being at 99-100 ... . American Express along with the other credit card issuers were simply trying to keep their head above [more...]

Date: 2009-01-14 23:51:28

The Fed Has Become a Prime Broker, Will Lend to Hedge Funds Under Consumer Loan Program

So where is my bailout? Now even hedge funds can borrow super cheap if they invest in securitized consumer loans. Really, the Fed is going about this all wrong. Why let hedge fund have all the fun? Private citizens have perilous little to show for all the kazillions thrown at the financial system [more...]

Date: 2008-12-20 06:06:15

New Credit Card Rules and Regulations - The Good and The Bad

Note: The New Credit Card Rules Do Not Go Into Effect Until July 1, 2010 These days, it seems like whenever there’s a good thing going or some attractive opportunity for pecuniary gain or profit, the masses ultimately swarm the offer like locusts until they’ve completely ruined it for everyone else [more...]

Date: 2008-12-25 03:28:28

Why can’t students get a break on paying back student loans?

Jan B. from NJ asked: Seeing how all the big companies are getting bailed out and getting tax breaks, why can’t they give us students a break on repaying student loans? I’m having a hard time trying to buy a home or car because of my Student Loans. It doesn’t seem fair to me [more...]

Date: 2009-01-09 04:43:38

40 Key Elements to Getting Started In Social Media

By Mike Fruchter of MichaelFruchter.com (Twitter/FriendFeed) ... of the credit card you have on file as well. Auto-renewal notices, getting marked as spam, combined with an expired credit card is bad news. This happened to a friend, just a word of advice [more...]

Date: 2009-01-05 22:52:52

Visual Voicemail: 3 Options for Never Listening to Another Message

I don’t know about you, but I hate receiving bad news via voicemail. There’s just something nauseating about seeing a new message from a dreaded contact and then being forced to actually listen to it. Maybe you don’t share my plight, and you’re just trying to avoid mom’s messages, [more...]

Date: 2009-01-14 16:39:18

True Cost Of Credit

This morning, via the Consumerist, I found this site called, “The True Cost Of Credit ... .    Or, maybe it is the cost to the economy when people default on their credit cards.    It turns ... has a tool that allows you to put in a portion of your credit card number, and then shows [more...]

Date: 2009-01-09 23:54:17

Coping in Tough Times: Your Questions

You've been sending me your questions. Now it's time for me to answer one here and in next week's newspaper. Which question would you pick? ... they want to help you. You mentioned the $7,500 tax credit for first-time homebuyers. Does that apply ... ? Can you retain $100,000 plus house and car On that first-time homebuyer tax credit, would it apply [more...]

Date: 2009-01-14 15:37:37

Credit Card Bill of Rights Passes

Credit Card Bill of Rights Credit Card Bill of RightsI’ve always regarded credit cards the same way I do red wine ... s another post entirely.) Universal Default - In the past, if you fell behind on one debt a credit card ... up for freeloaders like myself. Still credit card companies over the years have gradually [more...]

Date: 2008-12-19 19:23:34

The World Bank and the Spread of the American Empire

The World Bank and the Spread of the American Empire By Dene McGriff I must confess to being a “cog” as in the “cog” in a machine. Did I know I was? Nope, but I have gradually come to see that I was a “cog” in the building of the American Global Empire. Please don’t get mad at me for my confessions, for I certainly didn’t realize it at the time [more...]

Date: 2009-01-15 06:31:10

2008 Search Quiz: We Have a Winner

2008 Search Quiz: We Have a Winner » By Matt McGee on Jan 1, 2009 in Miscellaneous | 3 Comments Thanks to a couple generous links from Search Engine Land and Search Engine Roundtable, more than 300 people took the 2008 Search Quiz earlier this week — a huge jump over last year’s version [more...]

Date: 2009-01-02 13:02:13

“We can put light where there’s darkness, and hope where there’s despondency in this country. And part of it is working together as a nation to encourage folks to own their own home.” — President Bush, Oct. 15, 2002 THE BLUEPRINTS In June 2002, [more...]

Date: 2008-12-21 16:01:46

Creating Objects in Java Unit Tests

Most Java unit tests consist of a Class Under Test (CUT), and possibly dependencies or collaborators. The CUT, dependencies and collaborators need to be created somewhere. Some people create each object using 'new' (vanilla construction), others use patterns such as Test Data Builders or Object Mother [more...]

Date: 2009-01-13 06:58:00

New Credit Card Regulations Finally Throw Consumers a Bone

If you have a credit card, you should pay it off monthly and not get deeply into debt ... regulations around credit card fees and billing practices. It’s about time (from Reuters ... fees or membership fees to a credit card if they would use up most of the available credit [more...]

Date: 2008-12-18 17:08:35

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

New York Times Blames Housing and Financial Crisis on Bush

UPDATE AT END OF POST: White House issues statement concerning "Irresponsible Reporting by New York Times." It's official: the housing and financial crisis gripping the nation is President George W. Bush's fault. So said the New York Times Sunday in a 4900-word, front page hit piece entitled " [more...]

Date: 2008-12-21 19:37:01

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

Lending Club Review: A Leading Peer To Peer Lending Network

Our review on Lending Club, a leading peer to peer lending and borrowing social network. Because of updated credit card regulations, fewer people are qualifying for traditional credit and loans. And now that the subprime loan industry has slowed down, people may be taking a second look at P2P lending [more...]

Date: 2009-01-02 21:58:53

5 Tips on Finding the Best Balance Transfer Credit Cards

The balance transfer credit card can help you save money if you have an outstanding payment to make on one or more high interest credit cards ... card to the credit card with the lower rate of interest. Accordingly, you pay less on the balance ... or zero, you can make your credit card payments on the principal amount a whole lot faster [more...]

Date: 2009-01-16 04:15:06

Advanta Credit Card Scam

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 build my business credit for Rapid Recovery Solution, my Collection Agency. I have paid [more...]

Date: 2009-01-11 08:40:16

Crazy little thing called Privacy (1)

Privacy is such a crazy little thing. We love it, we ache for it at times, yet we throw it away like garbage every day on the internet ... and credit cards to go with it for sale for a few bucks in Russia and what have you got. Most [more...]

Date: 2009-01-09 22:38:02

How to Edit Order Details

The Edit Order Details screen in SPI's shopping cart, allows you to: ... the selected credit card for a specific amount. By default the amount shown will be the amount ... * Set a custom price * Charge customer's credit card * Set an order as free * Control a recurring [more...]

Date: 2009-01-14 16:48:14

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

Three Legislative Proposals That Could Have Major Consequences for Your Finances

J.D. is on vacation. This guest post comes from DR of The Dough Roller, a money management blog ... that is quietly pending in Congress. Ranging from credit card reform to foreclosure assistance [more...]

Date: 2008-12-18 13:00:42

The Benefits You Can Take Advantage Of From A Low Interest Credit Card Application

The Benefits You Can Take Advantage Of From A Low Interest Credit Card Application January 11, ... to applying for a credit card or even when applying for a loan to buy a home, auto or other asset. However, under certain circumstances credit card issuers will ask that you pay high interest rates [more...]

Date: 2009-01-11 08:57:02

People With Bad Credit,Poor Credit Or No Credit even Bankruptcy Bad Credit Credit Cards,Student Loans,Comercia l Loans,Mortgage ,Refinance,Dept Consolidation, Auto Loans All Types

http://www.911credit.blogspot.com has been created to help those who have bad credit find the credit they deserve ... student loans consolidation loans consumer loans debt loans defaulted student loans direct loan ... . Personal loans, business loans, credit cards and mortgages are all within your reach [more...]

Date: 2009-01-15 05:44:49

0percent APR Credit Cards Tips and Tricks

Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards ... credit card types available anywhere. As with all credit card types, there are a certain tips [more...]

Date: 2009-01-14 20:45:07

The GOLD HAS BEEN STOLEN by neocons: NO METAL BACKED DOLLARS....Weimer fiat dollars...trouble all the way.

http://www.mi2g.com/cgi/mi2g/frameset.php?pageid=http%3A//www.mi2g.com/cgi/mi2g/press/231208.phpNOTE: CLICK BLOGPOST TITLE ABOVE TO SEE GRAPHICS, CHARTS...Beyond The Tipping Point: Setting the Stage for Weimar?Metamorphosis in 2009/2010London, UK - 23rd December 2008, 02:19 GMT Dear ATCA Open & Philanthropia Friends.. [more...]

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

Spotlight Product: Directory Journal

Spotlight Product: Directory Journal January 12th, 2009, by: 2checkout Directory Journal Directory Journal is a trusted resource and a haven for internet marketers, businesses, webmasters and entrepreneurs offering listings, reviews, articles and webmaster tools [more...]

Date: 2009-01-10 16:05:52

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

Trojan Waledac

Trojan Waledac Threat Level: Trojan Waledac is a downloader Trojan that sneaks into your system through fake holiday e-cards and other backdoors. Once Trojan Waledac is installed, Trojan Waledac downloads more malware and adware, and launches ads on Internet Explorer [more...]

Date: 2009-01-15 14:55:54

How to Respond to a Court Summons for Credit Card Debt

Too many, in fact most consumers do not respond to a court summons for credit card debt. Collection attorneys have become accustomed to filing a summons, winning be default and collecting money with the court's help. [more...]

Date: 2009-09-27 17:53:15

PC Mag's list of the best free software of 2009 and the software that I use

If you have a few hours to kill, check out PC Mags list of the best free software of 2009. I can say that I have tried or used all of the software in their "Hall of Fame." If you don't have a few hours to check out everything on the list, you can at least check out the software that I have used this past year as listed below [more...]

Date: 2009-01-14 15:19:00

How to Respond to a Court Summons for Credit Card Debt

The first thing to do is to respond the summons. Collection attorneys are used to consumers not responding to court summonses for credit card debt. Feeling helpless and guilty the consumer then loses by default, and the attorney gets the court's backing to collect the debt. [more...]

Date: 2009-09-29 20:57:38

The Brown Swan

My critique in VDARE.com of Nassim Nicholas Taleb's bestseller "The Black Swan: The Impact of the Highly Improbable" ... actually paying the loans back, not the other way around).Furthermore, you focus on residential [more...]

Date: 2009-01-05 22:27:00

Trojan Generic

Trojan Generic Threat Level: Trojan Generic is a downloader Trojan that sneaks into your system through vulnerabilities. Once Trojan Generic is installed, Trojan Generic downloads more malware and adware, and launches ads on Internet Explorer [more...]

Date: 2009-01-15 00:49:20

The Television Writer's Guide to Cryptography

On television shows, sometimes characters encounter encrypted data ... into the villain's psychology.  Eventually we discover that the most important thing to the villain [more...]

Date: 2009-01-13 14:37:04

Moo'y Christmas

As the web matures, it is less and less just about the virtual world ... . This is important, because it allows Moo to track usage and to credit you. To register, visit http [more...]

Date: 2008-12-19 00:00:24

Trojan.Downloader.bbli

Trojan.Downloader.bbli Threat Level: Trojan.Downloader.bbli is a downloader Trojan that sneaks into your system through vulnerabilities. Once Trojan.Downloader.bbli is installed, Trojan.Downloader.bbli downloads more malware and adware, and may disable your security software [more...]

Date: 2009-01-15 00:03:33

Neural Networks in Finance: Gaining Predictive Edge in the Market

... and deflation processes in Hong Kong and Japan, to credit card default in Germany to bank failures in Texas [more...]

Date: 2009-01-15 03:19:31

'¡Carguelo a mi cuenta!' campaign retreats among Mexican banks

Mexico's love affair with high-interest credit cards appears to have been a short-term romance ... one. As the country deals with its own economic slowdown, Mexican banks are seeing higher rates of credit card default ... , it shouldn't be a big surprise that credit card defaults are on the rise in Mexico. Considering that many [more...]

Date: 2009-01-09 13:34:02

Not good

Credit card defaults are on the rise.  From Reuters:  Capital One Financial Corp (COF.N), one of the largest issuers of MasterCard and Visa credit cards, said on Thursday that credit defaults rose in December as a deepening recession led unemployment to its highest level in almost 16 [more...]

Date: 2009-01-15 14:09:06

Credit Card Issuers See the Writing on the Wall: Forgiveness of Debt — they also got paid in full through securitization, so there is no obligation owed to them

Credit Card Companies Willing to Deal Over DebtBank of America says it eased off on more than 700,000 credit card holders in 2008, ... to foster the explosive growth of consumer debt in recent years, credit card companies are realizing ... and card companies are bracing for a wave of defaults on credit card debt in early 2009 [more...]

Date: 2009-01-05 00:34:25

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