Bad Credit Cards – 5 Little Known Facts You Should Know About

If you’re suffering from bad credit, you probably won’t have as many credit card choices as someone with good credit. But that doesn’t mean you shouldn’t be prudent and examine your options carefully before selecting a card designed for bad credit. Not all bad credit cards are the same! The terms and interest charges can vary greatly so be sure you do your homework before applying. It can literally save you hundreds of dollars each year. Among the credit cards available for people with poor cr [more...]

Date: 2009-09-29 17:32:34

Blog posts (209) | Videos (217)
 

Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

Filing for Bankruptcy Chapter 13

A lot of people end up looking at bankruptcy chapter 13 when they get into financial difficulties out of which they simple can’t find a way out. Most of them choose to file a bankruptcy chapter 13 where the court will take your entire claimed debts and find you a plan for repayment that matches with what you can actually afford. If you are on the verge of bankruptcy, you should first explore the various bankruptcy alternatives available. [more...]

Date: 2009-09-29 13:17:05

Need Info About Credit Cards – Check Out this Post

Numerous people fail to get approved when applying for a credit card these days. It is often a very depressing experience, especially if it is not the first refusal letter you get and if you really need that credit card. The most common reaction to this is losing hope for getting a credit card once and for all. Not the best thing to do, is it? Let’s find out what you really can do to get out of this unpleasant situation. First thing you have to do is realise that it is never over. [more...]

Date: 2009-09-29 02:37:09

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Fast Student Loans Master Key- Pointers to Reveal the Good Colleges

Fast Student Loans Master Key- Pointers to Reveal the Good Colleges by Andrea SouthIf you are requiring bad credit student loans, you have fought with ruined finances in the past, or have not had time to get a great credit rating. Both of these aspects contribute to what is known as bad credit history, and acquiring student finances under both of those categories can be difficult at best.There are a few methods you can utilize to make bad credit student loans possible to gain. [more...]

Date: 2009-09-29 17:21:06

Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22

Can Debt Consolidation Make My Financial Position Worse?

Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. You, and your bad financial habits. That is how you got into debt in the first place. Lack of financial discipline If you take out a debt consolidation loan you have given your finance s some breathing space. [more...]

Date: 2009-09-29 11:16:03

I AM IN LOVE WITH A SOCIOPATH

During these cold months, Molly Young is keen to cosy up at home with her new friend Dexter, a humble, introspective serial killer. Really, he's a mensch with just a bit of blood on his hands ... Special to MORE INTELLIGENT LIFE Just as it takes a certain inner push to learn a new board game or jump into a cold swimming pool, [more...]

Date: 2009-01-08 02:09:14

Sears Credit Card Review

There are 2 Sears credit card that I will talk about toay. The first is the Sears Store Card (picture above), which only allows you to use the card at Sears and Kmart. This card is primarily geared to folks who do not have good credit. The other card which I’m going to talk at length is the Sears Gold MasterCard with Choice Rewards (picture above) Rewards Formula – The Sears Gold MasterCard has two tiers in their reward system. First, there is the regular Sears Choice Rewards Program. [more...]

Date: 2009-09-29 15:31:07

Bad Credit Credit Cards – Low Interest Rate Cards Doable?

Bad credit credit cards have greatly gained in popularity since the beginning of the recession.  The question that many borrowers want answered is “are low interest rates doable for a bad credit credit card?”  The only way to answer this question is to find out your credit score.  If you truly have bad credit it is very unlikely that you can get a low interest rate.  Credit card companies have gotten much more strict with their lending practices since the beginning of the credit crisis. [more...]

Date: 2009-09-28 18:43:47

Guilty By Association

Many years ago, I used to run my sites out of an office building in an industrial part of Richmond. There were two other tenants in the building. One was an auto repair shop. The other was a drug dealer who used his unit to make illegal ... of association. The commentators asked me how many people I know who never run a Credit Card balance [more...]

Date: 2009-01-04 23:45:11

What Would You Do If Your Power Went Out For 3 Weeks?

Back in December, residents of a few Massachusetts towns went without electricity for weeks because of an ice storm and the ineptitude of a local ... or flashlights. No more refrigeration or freezers, so cold food goes bad. No access to the internet ... and this is what I have so far. Cash - We do keep cash on hand in the house in case the ATM’s or cre [more...]

Date: 2009-01-15 14:00:45

Why Starting a Business in a Bad Economy Is a Great Idea

By now, you’ve probably heard all the warnings about operating a business in the current economic climate. They may have ranged anywhere from a well-meaning “Be careful” to an ominous “Get out now!” And while both of those reactions are probably the result of people who care about your success, [more...]

Date: 2009-01-15 17:10:54

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Grab Life By the Disco Balls and Dance

This is my one and only life, and its a great and terrible and short and endless thing, and none of us come out of it alive. – Holly – P.S. I Love You The above movie is one of the most profound I have ever seen I think. It is one of those movies that teaches and inspires you as much as it entertains you. From the opening seen when Holly and Gerry are fighting I recognized that this Holly chick and I have a lot in common. [more...]

Date: 2009-09-29 16:52:47

6 Money Management Software For Personal Finance (Freelancer’s Special)

Being a freelancer is not easy and more so in these troubled times of worldwide recession ... get themselves under debt by making certain bad decisions or investments. Lets take a look ... which was first introduced back in 1991. It can be used to keep record of loans, mortgages [more...]

Date: 2009-01-08 14:41:12

Finance - Books on Personal Loans

by Jorg Maurer Personal loans and all the terminology that goes with it can make your head spin after awhile ... if you are considering obtaining one for any financial reason. Doing so can help ensure you get the right ... , there have been a couple of which yield we report upon how to compensate off debt, together with credit [more...]

Date: 2009-01-16 02:40:29

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

Gates of Vienna News Feed 1/4/2009

The overwhelming evidence of global warming continues to accumulate — as does the level of ice and snow in Greenland’s central ice cap, which increases at a rate of about two inches a year.Shhh! Don’t tell Al Gore…Thanks to Abu Elvis, Barry Rubin, C. Cantoni, heroyalwhyness, JD, Lexington, LN, RRW, VH, and all the other tipsters who sent these in [more...]

Date: 2009-01-05 04:27:00

Avoiding Bankruptcy

Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]

Date: 2009-01-16 02:11:52

No Fee Balance Transfer Offers Rise Again

Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]

Date: 2009-09-29 15:20:06

Emotional, financial and legal advice on surviving redundancy

Keep calm Remember you're not alone Redundancy can be a devastating, sometimes brutal, experience but it's not your fault. "You aren't responsible for the vagaries of the western economic cycle. You didn't start the credit crunch in your own backyard," says Phillip Hodson, a fellow of the British Association for Counselling and Psychotherapy [more...]

Date: 2009-01-08 14:45:20

Credit Card Tips 10: Avoiding Penalties

September 28, 2009 | By Obapo Gana In Finance | by Koba RryantIt is a basic and well known fact that most credit card companies penalize those of their customers who are late in making their credit card balance payments. Indeed, a considerable number of credit card companies make the greatest portion of their income out of the penalties they charge those of their customers who make their balance payments late.But while the credit card companies have become accustomed to late payment of [more...]

Date: 2009-09-28 17:53:34

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

How To Contact Creditors To Help With Credit Repair

Good credit has become nearly a necessity these days. Credit has become almost essential to buying a car or a home ( ... a problem because you’d be surprised at what kind of credit repair you can accomplish by being ... out of embarrassment or even fear. Unfortunately, it’s best to deal with the problem immediately [more...]

Date: 2009-01-15 23:57:12

The Paradox of Thrift

Has the economy scared you into cutting back on your spending, paying down your credit cards, getting your budget in order? ... couple profiled in the Journal story: Rick and Noreen Capp recently reduced their credit-card debt ... with that? Haven’t consumers been told they need to be more responsible about debt and spending - the lesson [more...]

Date: 2009-01-06 14:12:53

Why Are My Credit Cards Being Canceled?

In today’s economy, credit card companies are changing interest rates at whim (at least until the new credit card laws go into effect…in July 2010 ... . And this could ding your credit score a little bit, which is not something you really want to happen ... by following this simple tip - it helps your credit score and it lets you keep all your available cr [more...]

Date: 2009-01-07 16:59:00

World beater: Josh Barnett interview exclusive with MMAmania.com

Josh “The Baby Faced Assassin” Barnett (23-5) — currently ranked number three on the WAMMA top 10 list for heavyweights — is set to face Dutch ... cards, defeating training partners Hidehiko Yoshida with a third round heel hook submission and Jeff ... to his credit and 30 of his 35 wins coming by knockout or technical knockout. Not to mention [more...]

Date: 2009-01-14 21:41:38

101 Ways to Take a Bite Out of Your Food Budget

0) // Except on the Mac - ahead of its time date.setTime (date.getTime() - skew); } var expdate = new Date (); FixCookieDate (expdate); expdate.setTime (expdate.getTime() + (365 * 24 * 60 * 60 * 1000)); // 1 year from now document.cookie = "wp_ozh_wsa_regardless" + "=" + escape (1) + "; expires=" + expdate.toGMTString() + "; path=" + "/Blog/"; [more...]

Date: 2009-09-29 08:20:00

Mrs. Witten

Rite Aid Pharmacy, Grand Central TerminalThere's a woman in line ahead of me who has just handed over a huge sheaf of prescriptions ... better?""Well, he has his good days and he has his bad days, you know how it is."The pharmacist nods ... a few of the slips on the counter between them."So there's some good news and some bad news today [more...]

Date: 2009-01-03 17:30:00

How the credit card industry is set to change

The credit card industry has found itself in the news on a number of occasions over the past year or two for one reason or another, ... that in cases where the borrower falls behind with repayments no debt recovery action will be taken for at least sixty days providing the borrower is working with a debt management advisor in a bid [more...]

Date: 2009-01-15 07:00:33

How Can I Participate In Online Marketing As Someone From Nigeria.?

I want to be involve in online marketing i.e using credit cards or even wire transfer. I dont know how to get going with the stuff. Related posts:Fixing Bad Credit There are credit repair companies out there that are legitimate....Addressing A Negative Credit Score Are you considering getting in touch with a credit repair...Do You Make Related posts: Fixing Bad Credit There are credit repair companies out there that are legitimate.... [more...]

Date: 2009-09-29 02:56:26

10 Reasons to Stop Gambling When You Have a Gambling Addiction

If you have a gambling addiction you are not alone. There are millions of people all over the world who are struggling with some type of gambling problem or a compulsive gambling addiction. If you have contemplated whether or not you should quit gambling your life away, read on. Below are 10 reasons why you should stop gambling now. The 10 reasons to quit gambling that are listed below are based on the the consequences that your compulsive gambling problem can have in all areas of your life. [more...]

Date: 2009-09-29 18:14:13

Things You Tend Not To Spend Much Time Thinking Seriously About When Making A Decision To Relocate

I have had this item on my blogging to-do list for probably 18 months now, without attempting to address it ... accounts and getting local credit cards. You see, your check - or should I say cheque? - drafted ... s start with credit history, something discussed in this blog a long time ago. Or, rather, your lack [more...]

Date: 2009-01-15 20:29:06

Credit Report Contents

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... to monitor his/her own credit profile, fix errors, and repair personal credit. About the Author ... credit. You need to know that there are actually three major credit reporting agencies [more...]

Date: 2009-01-15 21:43:13

The vicious Home Rental Scam – don’t get conned.

By Paul Michael It seems like new variations of the Nigerian 419 scam pop up every week. The one that caught my attention recently involved renting a home, and it’s a nasty trick that could take anyone by surprise. But if you know what to look for, you can avoid it. I’ve been looking around for a home rental recently [more...]

Date: 2009-01-05 19:17:04

BROWN RALLIES THE TROOPS: “LABOUR STANDS FOR THE MANY NOT THE FEW.”

It was a good speech. Given the gutter attacks and gossip about his health, and slanderous whispering about him being on anti-depressants, Gordon Brown came out fighting. The best aspects were his defiant summary of what the last 12 years of Labour government have achieved, and his withering contempt for the Tory laissez faire economics. [more...]

Date: 2009-09-29 15:38:33

More Inactive Credit Cards Being Closed: Protect Your FICO Credit Score

If you haven’t heard already, several large credit card issuers (Chase, Washington Mutual, Citibank, Capital One, HSBC) ... . Some credit repair experts say it does, others disagree. However, if someone does a manual review ... are currently closing millions of consumers’ credit cards without prior warning due to inactivity [more...]

Date: 2009-01-07 11:48:09

Guest Post: Time to Recapitalize Banks Fully

As debate continues over the release of the second half of the Treasury Department’s Troubled Asset Relief Program, Peter Boone and Simon Johnson argue that it’s time to stop taking half steps and make sweeping moves to fight bank insolvency. Boone is chairman of Effective Intervention, a U.K [more...]

Date: 2009-01-15 11:47:00

Don’t Swipe That Plastic Without Reading This First

by Rice Amire Are you worried about bad credit? Well, you should be more worried if you can not get another credit card because of your record ... not go for universal cards like American Express card, Visa or MasterCard. Credit card companies raise ... . Because of the demands and the sky rocketing fees that most credit card issuers give [more...]

Date: 2009-01-15 06:13:45

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... out your credit card number online when you were making a purchase. It is possible that some unscrupulous ... on credit as long as you can pay for it eventually. Aside from cleaning up your credit, build a savings [more...]

Date: 2009-01-15 03:41:35

Credit Reports can be a Teaching Tool

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... credit. You need to know that there are actually three major credit reporting agencies ... . Lines of credit will be included such as balances, monthly payments, and credit limits [more...]

Date: 2009-01-15 21:32:08

You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... of your salary that goes for necessities such as mortgage, car loans, credit card payments, utilities, other loan ... . This is the income you can devote to reducing debt. Next, decide which loans and credit cards [more...]

Date: 2009-01-14 23:27:42

Hoarders and Destroyers

Just when you thought it was all baked into the cake...whammo! Another pie to the face. Get ready for more pies. In fact, you could take your pick of pies this morning. The most painful pie was yesterday's 4.3% decline on the All Ords. It was the worst day of the year for Australian stocks. Unemployment called in at 4 [more...]

Date: 2009-01-16 03:04:54

Top 10 Trends In Managing Small Business Finances in 2009

There’s not much good news to report on the financial front as we move into 2009. Layoffs are occurring at breakneck speed and “out of business” signs are in high demand for many small business owners. Overall, the landscape is different than it has been for a long time, [more...]

Date: 2009-01-14 08:12:29

Credit Bankruptcy - Essential Information

Someone once said that bankruptcy is essential in order for capitalism to survive ... (if not all) of the debt is forgiven. Are there any disadvantages? First of all, each future credit check ... into consideration for any person who intends to declare bankruptcy. The financial situation – being in debt – [more...]

Date: 2009-01-16 00:24:18

Creeping Up to 5 Digits Yet Again

It is only a number — the stock market equivalent of an appliance chain’s millionth customer, or the gazillionth hamburger served at McDonald’s.Still, the Dow, which closed up 124.17 points at 9,789.36 on Monday, is within reach of 10,000, The New York Times’s Jack Healy writes. Who would have thought? [more...]

Date: 2009-09-29 07:18:22

Happiness interview with Nina Smith.

During my study of happiness, I’ve noticed that I often learn more from one person’s highly idiosyncratic experiences than I do from sources that detail universal principles or cite up-to-date studies. So from time to time, I post short interviews with interesting people about their insights on happiness [more...]

Date: 2009-01-09 04:12:44

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

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