Expert Explains Why E-Books Are So Expensive
What's a fair price for a digital book? ... % is the retailer. So when you add in (lets use a round number) 5% for credit card processing ... more) of list price. The credit card processors, even with micropayments, take 3-6% of the sales price [more...]
Date: 2009-01-13 17:23:32
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How to Motivate Yourself to Pay Debts
Start the year right with a clean slate which is why I paid all of my credit card dues just last December ... debts to pay off. If you’re in credit card hell. Pay off the ones with smaller debts then get rid ... advice from people who have experienced paying off debts successfully. You can ask your parents, other [more...]
Date: 2009-01-07 10:45:24
Debt Consolidation Needs
When I was a branch sales manager before for a well-known direct selling company, I was privileged to avail four credit cards ... but now I am really having a hard time. How I wish I could avail of a debt consolidation! Anyway ... , I was able to find reliable information that can give me great tips on how to deal credit card debts [more...]
Date: 2008-07-23 04:02:17
Fixing Your Messed Up Finances this 2009
If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... your credit card statements so you can see if your bank is increasing its rates. Explore ways on how [more...]
Date: 2009-01-07 10:18:05
FBI Cyber Network Conference warns about terrorists, spies and underground economy
(New York)—Sometimes the U.S. government uses resources wisely ... in the world can buy a blank credit card, complete with the holographic security markings used by legitimate credit card companies. They can buy equipment to encode someone’s stolen identity [more...]
Date: 2009-01-15 17:22:50
How to Get Out Of Debt
One of the most frustrating financial situations for a consumer is carrying unnecessary debt ... you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score, especially ... credit card debt, experience emotional stress that can make it difficult to enjoy other areas [more...]
Date: 2008-05-03 02:32:47
NextEve.com Joins PrepaidLegal Inc
NextEve.com Joins PrepaidLegal Inc Posted in January 15th, 2009 by editor in Web Hosting News (PRESSbooth.ORG) ... only the truncated credit or debit card numbers on the receipt. For added security of the customer’s credit card information, our shopping system is designed in such a way that it does not store any [more...]
Date: 2009-01-16 02:34:19
A Shopper Bites Back (or, Thanks, Consumerist, for giving me a consumer backbone)
As I've previously mentioned, I'm pretty sick and tired of being asked to show ID whenever I try to use a credit card for purchases ... have won another credit card fight. [more...]
Date: 2009-01-15 22:01:51
Investors May Be Too Optimistic About Consumer Recovery
The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... , the somewhat in debt and the chronically indebted. Indeed, in the stone ages of the 1980s, banks were really [more...]
Date: 2008-12-14 06:10:36
(untitled)
Amazon.de Widgets If you want to take a loan to repay others, debt consolidation is the best bet. For paying down credit cards the most easiest way is to try a credit counseling program. One of the most assured measures to lower all your debts swiftly is here. Stop being at stake with striking debts, put them together into one debt consolidation program to have one low monthly payment. This can even help you control your monthly payment structure and keep you within a budget. [more...]
Date: 2009-09-15 23:43:02
Sunday Money Roundup - Home Again Edition.
Well, we are in Boston now where we will be for the next 10 days or so. It’s been about 1.5 years since I was home, and it’s nice to finally be back ... her, the one with all the credit card debt, is not her anymore. I have said it before and will say it again - PaidTwice’s journey out of credit card debt is one that every person looking for [more...]
Date: 2008-12-21 14:00:29
Ctrl BG: A Shortcut to Financial News 11/29
Hope everyone is having a great Thanksgiving weekend and got some great bargains yesterday! ... facility to support consumer finance, including student, auto, and credit card loans and loans backed ... consumers get home, car and credit card loans easier. I haven't figured out all the implications [more...]
Date: 2008-11-29 14:40:00
It's time to settle the bill for all that festive goodwill
Thousands of shoppers who over-flexed their plastic on Christmas presents will be dreading checking, let alone paying off, ... on to a 0% balance transfer credit card and pay off whatever you can within the interest- free period," says ... what is known as an "adverse order of payments". This means that when you pay off your credit card balance [more...]
Date: 2009-01-04 00:04:34
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
Collection Agency calling from 571-431-1958 (Washington, VA)
Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]
Date: 2009-09-25 19:53:49
10 Tips to Keep Identity Theft from Ruining Holiday Travel Plans
From Brian Lapidus, Chief Operating Officer for Kroll Fraud Solutions Attention Holiday Travelers: ... the house key. Don’t leave out tax returns, credit card statements, utility bills and the like. It’ ... with identifiable bank or credit card information. Not even your online personal bill-paying [more...]
Date: 2008-12-16 06:24:11
Obama Advice - Credit Card Debt Consolidation - How to Eliminate Your Bad Credit Debt Consolidation
Amazon.de Widgets The most ordinary difficulty of debtors is their unrestrained debts and then hunt discover for a way to hold these debt issues. While attractive debts, grouping never intend that the termination would be so devastating. At nowadays circumstances obligate them to modify go for binary debts thusly crescendo their burden. However demise the think strength be, debts should be unnatural and condemned according to the power to repay. [more...]
Date: 2009-09-10 14:21:37
F? H? WTF? Ayetttee lah!
This is a conversation between me and one banking officer when I called their helpline for assistance. Bank Officer: Good evening, sir ... with me. I normally keep the all the numbers (credit cards, bank accounts) in my mobile phone, but I reformatted ... . How may I assist you? Me: Good evening. I am going to make a credit card payment but I forget [more...]
Date: 2009-01-16 01:08:04
Re: Edwards to speak publicly again
Senator John has been a modern day Paul Revere. I remember his July 2007 Coopers Union speech where he tried, oh so gently, ... national laws protecting us against the worst abuses in credit markets predatory mortgages,abusive credit card terms, and payday loans with interest rates of 300 percent or higher. Finally [more...]
Date: 2008-11-11 06:22:53
Customize Paypal Clone Script
Pm me before bidding ***Customize Paypal Clone Script*** We already own the Alstrasoft Epay Pro script.You can find out more about it here http://www.alstrasoft.com/epay.htm#1 What we want is the addition of this feature: -Buy now option where a customer does not require to signup to pay by credit card.He can direclty pay using credit card. Pls only serious bidders. People who have already done such project are welcome as we need it done very fast. [more...]
Date: 2009-09-28 10:35:02
Getting Finances in Order
When the husband and I talked about our goals this year, one of the things we agreed about is to pay the balances on his credit cards immediately ... . The two cards have both running interest rates that are quite high so it is a smart decision to clear them as soon as possible. We have ... [more...]
Date: 2009-01-15 17:35:39
Personal Bankruptcy Rising
Front page NYT article on the increasing number of personal bankruptcy filings: ... , legal scholars, retired bankruptcy judges — was passed after the credit card industry spent more than ... you that this bill was pushed by the credit card industry — mostly based on claims that were factually [more...]
Date: 2008-11-16 13:39:54
PFBlogger Spotlight: Green Panda Treehouse
What color is US currency? It’s green. What’s one of the most content creatures on the planet? Well, one of them is a panda ... of it. I got a credit card in college and like many of my friends, I charged on it like crazy ... some of my friends (who would return the favor and use their credit card next time). I also thought [more...]
Date: 2008-08-07 16:28:03
October 2008: Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but I have to admit it does no good to send in money if you keep charging [more...]
Date: 2008-11-05 18:10:55
Don’t Worry, Be Happy: Surviving the Financial Crisis?
Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]
Date: 2008-11-20 04:12:42
Scam warnings against SFL Nutrition, GlobalNet Pharmacies, and Aton Solutions
Photo by: Fill More Photography Better Business Bureau is warning all consumers to go easy with the Acai Berry, ... to submit their credit card numbers online. They were surprised, later, when orders of the supplement ... their monthly credit card statements and found that the companies were billing them $80 for the unwanted [more...]
Date: 2009-01-15 17:48:04
Random Snippets
by hilzoy Just a couple of things I had to highlight ... in recent years, credit card companies are realizing that some hard-pressed Americans will not be able to pay their bills as the economy deteriorates." Really? All those credit card offers to people [more...]
Date: 2009-01-05 07:20:09
Easier and Cost-Effective Payment System
In keeping with the latest high technology level people have been using credit and debit cards for their purchases rather than cash. It’s safer to bring card than cash and sometimes if you run out of cash you’ll never worry because you can have your purchase through credit cards. Payment is also easier as there are many [more...]
Date: 2008-12-06 09:57:00
All the time, I get requests from readers asking me for recommendations of financial products ... account? What credit card should I get? Where should I get my insurance from? What kind of software ... in the world. I’ve never held a credit card with a lot of banks. I’ve only had accounts with a few [more...]
Date: 2008-09-09 20:00:17
Last Chance To Enter Online Profits Twitter Contest
I want to remind everyone that tomorrow is the last day to enter my Twitter contest to win one of ten $288 Online Profits training course ... . Good luck! This Post Was Brought To You By Best Credit Card Offers Get up to $250 or even FREE round-trip plane tickets by signing up for hot credit card offers and bank deals! [more...]
Date: 2009-01-15 23:48:22
Debt Consolidation for Credit Card Debt Relief
Getting out of debt takes time and patience, but following the proper steps will have you out of debt in five years or less with your credit still intact. It is important to avoid loans or any other type credit card consolidation that requires debt financing. More debt often results from this type of debt [more...]
Date: 2009-09-28 15:10:13
6 Steps to Doomsday: A Great Depression II Scenario
I have to get this out of my system. BP’s interview with historians Michael Allen and Larry Schweikart helped assuage my fears some ... , out of money, default on their mortgages, car loans, student loans, credit card loans, etc. Bond ... access to credit, you can’t get that loan to start up the new business you’ve been planning [more...]
Date: 2008-10-07 18:00:29
When you should use a credit repair agency.
Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and mortgages. Now all is not lost and you have the option to start fixing your credit. [more...]
Date: 2009-09-29 18:23:10
When you should use a credit repair agency.
Credit has become a very important part of peoples live in todays age. If you have bad credit you are familiar with having closed doors to loans, bank cards, credit cards, car financing and mortgages. Now all is not lost and you have the option to start fixing your credit. [more...]
Date: 2009-09-29 18:23:10
Credit Card Debt Update - $5,499
The weather outside is absolutely freezing! It’s a good chance to sit down and really take a close look at our finances and do some forecasting ... . Our income is up and we are still keeping our expenses fairly low. I am pleased to be able to get our debt down to $5,499. I realized that we are only technically $1,759 away from being credit card debt [more...]
Date: 2009-01-16 03:19:56
Death of the Balance Transfer Arbitrager
Jim writes about personal finance at Blueprint for Financial Prosperity ... in on the game, getting about $15,000 in credit card debt and earning a little interest on the side ... from a credit card. My list of no fee 0% balance transfers was so long I left some cards off simply [more...]
Date: 2008-09-02 12:55:18
November 2008 Goals Update
Goal Specific-Pay off transferred credit card balance Measurable-approximately $11K Attainable-$800 a month Realistic-That’s about what I pay every month right now for debt servicing. Timely-By January 2010 Grade: Neutral $800+ went to the credit card company, but netted out to ($622.09) because I have a recurring subscription charge [more...]
Date: 2008-12-03 19:04:57
Openlife currency on the way
In another evolutionary move for Second Life alternative OpenLife, a virtual currency is on the way for the platform. February 2009 is the tentative timeline, and any Openlife resident can purchase what will be called ‘credits’ via PayPal or credit card. Only region land owners will be able to cash out credits [more...]
Date: 2009-01-15 21:42:17
People Here Don’t Give A Crap What Kind Of Car We Drive.
And believe me, that is a welcome relief after living in Los Angeles for 13 years ... too much, and just charged myself into credit card debt - all to try to impress other people. I fell ... not afford and tens of thousands of dollars in credit card debt…for nothing! What did I have to show [more...]
Date: 2008-08-27 13:00:54
Seriously, can I get a freaking break!??!?
I teared up yesterday when I got home as I was dealing with the garbage. And if you know me…I don’t tear up easily ... , have to pay off my credit card, but that my life is good. I can focus on what is good in my life ... of rely on my credit cards. I spent about $100 at Toys R Us for the kids. But seriously, the rest [more...]
Date: 2009-01-15 19:04:29
Mortgage Mania 26 - …And Henry Giveth Again
You would have to be living under a rock to have missed this today, so here is a newsflash for all you subterranian dwellers ... up mortgage assets, consumer credit card debt and car loans. In his article, “Fed bets $800 billion ... securities backed by auto loan and credit card debt. Hmmm, let me see if I get this straight [more...]
Date: 2008-11-26 04:30:52
Pensioners hit by spiralling credit card debts forced to take out loans as energy prices soar
One in four people is approaching retirement with thousands of pounds worth of debt because they cannot meet the rising cost of living ... for debt charity the Consumer Credit Counselling Service (CCCS) said the research tallied with its own ... to pay their bills. The average credit card debt for the age group is now just over £8,000, according [more...]
Date: 2008-11-23 00:05:36
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
Cash in those bank rewards travel points!
Kudos to the Wall Street Journal for pointing out yesterday an important side effect of the financial problems of Citigroup and other banks: Credit-card rewards programs are vanishing, especially for travel. On March 1, Citibank will make a key change to its ThankYou Rewards program for its credit-card holders. You'll have to spend [more...]
Date: 2009-01-14 22:57:23
The Simple Dollar Weekly Roundup: Holiday Reading Edition
As the New Year rolls around, I find myself engrossed in several new books received over the holiday season ... a credit card to establish their credit history. (@ carrie & danielle) Is Your Business Prepared ... . (@ new york times via get rich slowly) The “One Big Lump” Theory of Your Money The advice here [more...]
Date: 2009-01-07 14:00:53
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
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
Is Ulrich's Move at Target Good for Bill Ackman? $$
A new CEO always makes some changes. Will Steinhafel look closer at Pershing Square's proposal? Here is the news:The WSJ Reports:Target Corp ... of its shoppers default on credit-card payments. "As we look to the future, we are completely confident ... from Ackman:The plan was endorsed by Lazard.Target (TGT) is facing increasing credit card losses [more...]
Date: 2009-01-16 01:15:00
PHOTOS: “Prairie Heart” Rehearsal Pics, Ticket Info
Harald (Steve Scheide) dances with Ingrid (Adrienne Grieco) in Prairie Heart, which opens at E.B. Foote Winery Friday, Jan. 16th. Ingrid ( ... a date and other details (credit cards accepted with a $5 fee per ticket OR your credit card [more...]
Date: 2009-01-15 21:32:31
The Lowdown on Wired Plastic
Wired Plastic is the brand name of one of the most rewarding prepaid debit cards out there. Unlike credit cards, there is no debt involved when purchases are charged to a debit card ... with features like online account management, automated monthly payment systems, a point-collecting [more...]
Date: 2009-01-16 02:46:02
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