Credit Card Minimum Payments, More or Less

I have been a member of the Dave Ramsey Total Money Makeover forums for over two years now, and in that time I’ve made several virtual friends, and read many inspiring stories of families who clawed their way out of debt.  I recently read a comment from a new member working their way through baby step two–the dreaded debt snowball [more...]

Date: 2008-10-07 11:00:37

Blog posts (147) | Videos (75)
 

Roth IRA FAQ, Income Streams and Financial Q & A @ The Carnivals

new logo design is now over. As for which logo won? It was a tight vote between 2 logos. Now how about I surprise you all with it when I put it up? ... In Washington All Financial Matters: Oil Just Keeps Dropping! Rich Credit Debt Loan: How To Stop ... Decision Crackerjack Greenback: Personal Finance in the Bible: Proverbs 13:7 Ask Mr. Credit Card [more...]

Date: 2008-12-03 22:11:44

A Credit Repair Forum - Helpful Or Hurtful

A credit repair forum can be a good place for advice from people who have been there. These forums are full of people who are having debt problems or have overcome debt problems. The danger of getting information from a credit repair forum is that you’ll get bad information that hurts your credit. While most people in any type of Internet forum have a sincere desire to help, there are some who like to cause trouble. This isn’t just the case in a credit repair forum, but everywhere online. [more...]

Date: 2009-09-11 14:58:39

How to Fight Debt Collectors Series

Starting next week, we will be publishing a series of articles in a new feature series called How to Fight Debt Collectors . I’ve tapped the expertise of Craig Cunningham, known as Codename47 on the Fatwallet Forums, who has been a citizen warrior in the fight against debt collectors. If you have a debt collection problem and you post it on the Fatwallet Finance Forums, the first name that everyone recommends you message is Codename47. [more...]

Date: 2009-09-25 16:46:12

Do Children Need To Know About Family Finances?

(This is a guest article by Trisha Wagner*) Specifically should you talk to your children if you are experiencing a financial hardship? Just as each family is different each situation is unique and there is not one easy answer to this question. I have a three year old and while we ran to the store this weekend to pick up a new router for my new [more...]

Date: 2009-01-08 21:22:00

‘A Republic, if you can keep it…’

PatriotPost.US Alexander’s Essay – September 17, 2009 ‘A Republic, if you can keep it…’ We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America. [more...]

Date: 2009-09-18 12:04:47

How to Avoid a Lawsuit From a Collection Agency

The first thing you need to understand is that most large collection companies have a lawyer at their disposal who writes letters on their behalf ... to respond… they’ll sell the debt to another collection agency for pennies on the dollar. In order for them ... that they cannot legally be collected on. So even with a judgment to repay the debt… the collec [more...]

Date: 2009-01-14 19:53:56

Gates of Vienna News Feed 10/16/2008

A woman will lead Muslim prayers in Oxford. The EU bans incandescent bulbs. The FBI launches an investigation of ACORN.But the story about the subduing of the drunken hijacker on an airliner bound from Turkey to St. Petersburg is my favorite, because of this quote:“Surprisingly this hooligan was not British,” said an official at Pulkovo [more...]

Date: 2008-10-17 03:55:00

A Commonly Believed Myth: The Little Guy Just Can’t Get Ahead

photo credit: tarahm ... to be mired in debt and despair.  They have a distinct difference is an attitude and outlook. Those ... -out. Are there legitimate situations where people can’t get out of debt because of medical bills, addictions or because [more...]

Date: 2009-01-11 02:01:28

What Else Did Brownski Need- A SMACK IN THE GOB…10 Folk that predicted the Meltdown…

October 12, 2008 Ten people who predicted the financial meltdown The financial events of recent weeks have filled many of us with shock and panic ... pinned against record levels of personal debt, which is secured, if at all, against house prices ... on the problem of consumer debt?”Mr Brown did not answer how he would solve the problem, merely [more...]

Date: 2009-01-10 10:45:36

Cracked’s New Year’s Resolutions

Around the Cracked offices, we have an annual tradition every New Year where all the staff gather around and publicly make promises as to how they’ll be better comedy citizens in the coming year. “I’m going to get really good at baking, and bring treats to all the Cracked meetings” says Brockway. We clap lightly. It’s very generous of him [more...]

Date: 2009-01-06 13:00:22

Assessing Distressed Debt Opportunities

We all understand the fundamental philosophy that  generally drives winning investing (or at least I hope we all do): “buy low,  sell high” ... of distress associated with it (either personal and/or debt driven  distress). This blog will focus on assessing the distressed debt  opportunity. As due diligence consultants, we’re asked [more...]

Date: 2008-11-02 09:48:47

Can a Creditor Collect on Discharged Debt?

Original creditors and collection agencies will often collect on discharged debt, debt absolved by bankruptcy, and even debt that’s been settled. This is debt that can’t legally be collected on via a civil court judgment. However, collection agencies won’t let a little thing like your legal rights stand in the way of their profits. See also [more...]

Date: 2009-01-03 02:57:25

Is Using Credit More Expensive? Not Always

One of the biggest things that anti-credit proponents like to hold up is that using credit is more expensive. But is it really? ... save you money - a lot of money. Using your good credit score to help you leverage your debt ... With A Cash Back Credit Card - My favorite method for this works especially well when you shop online [more...]

Date: 2009-01-05 13:14:47

Looking Back, Looking Forward

As a rule, I avoid New Year’s resolutions, because something about them smacks of desperation and imminent failure. However, I don’t mind setting goals for the coming year; the difference is probably purely semantic, but it works for me somehow. At any rate, solely for my own benefit, [more...]

Date: 2009-01-01 22:41:20

CIC paper: Can British citizens become ‘active’?

Liberal Conspiracy is publishing a series of discussions about the government’s Community Empowerment White Paper. This is a summary of the second chapter. Chapter 2: Active citizens and the value of volunteering The government wants to “make it easier to be involved in voluntary and community activity” and proposes: [more...]

Date: 2008-11-19 13:12:06

Be It Resolved

I’ve compiled a list of things I’d like to accomplish this year. They are not necessarily resolutions as the unspoken definition of resolution is something that is guaranteed to fail. These will be marked off as they are completed (assuming that any of them are of course) [more...]

Date: 2009-01-14 06:59:55

Setting Your Business Priorities

] One of my constant battles is to set and keep my priorities straight. Little things called life keep getting in the way, distracting me from making progress on my priorities. I keep a little sign near my PC monitor that says: “Do Something EVERY Day Towards Accomplishing Your Goal! [more...]

Date: 2009-01-12 18:26:36

Best Insurance Forum

Are you now currently confused about your life? Because you aren’t knowing where you can find useful information about insurance topic? ... , there is one website that you should know, insurance forums. With this forum I hope you can share your thought ... to join this forum? Related posts:Inner 8USA Crisis? Free Credit Report Online and Debt Consolidatio [more...]

Date: 2009-01-09 15:33:40

Getting Answers To Your Financial Questions

Every so often, I get questions from readers. I’d love to get more (contact me) ... , it might be some very helpful forums. I’ve been spending some time on Wesabe Groups and find that there’ ... about the Get Rich Slowly Forums. These are two places where you can ask questions and get a variety of answers [more...]

Date: 2008-09-30 14:19:44

My Hard Money Buying Worksheet - Yours Free!

I have the worksheet I use of a ‘quick and dirty’ hard money purchase analysis and I thought I’d share it with you…download here! First if you don’t know much about worksheets, don’t worry; you simply input a few numbers at the top, and the worksheet automatically calculates the fields without your assistance. You just get to read the output [more...]

Date: 2008-11-29 16:46:52

Jimmy Carter on race, the South and President Obama

Video here , story here . In an interview with NBC's Brian Williams, former Democratic President Jimmy Carter attributed much of the conservative opposition that President Obama is receiving to the issue of race. "I think an overwhelming portion of the intensely demonstrated animosity toward President Barack Obama is based on the fact that he is a black man," Carter said. [more...]

Date: 2009-09-16 00:28:51

Collection Agency Scare Tactic: We’ll Get Your Driver’s License Suspended

Collection agencies never seem to have enough tricks up their sleeves for scheming and lying to debtors.  Most recently, it was brought to my attention by a reader that a collection agency had threatened to have his Washington State Driver’s License suspended if he didn’t satisfy a debt.  Considering [more...]

Date: 2009-01-05 00:12:32

Top 3 Tips for Qualifying Your Renter / Tenant

What Make A Good Renter? Is a good renter someone with great credit, or large deposit or maybe  high income? ... really work and how much do they make. Debt to Income Ratio - While pulling credit can give ... a debt to income ratio .  This will illustrate whether they have sufficient income to cover their rent [more...]

Date: 2008-10-03 12:59:43

Back to Basics: Reduce your debt

Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. (For the purpose of this post, I’m not going to lump in “profitable” or “good” debt that is used to make money reliably for the borrower through some other vehicle.) The debt can be, for example [more...]

Date: 2008-11-16 07:24:43

That is the one question we are asked every single day.  Homeowners are confused with their options (or in some cases, their lack of options) ... is not doing the same tax relief as the federal government.  You may have a state tax liability ... the entire debt (on your first and second loans [more...]

Date: 2009-01-15 21:07:27

Debt Elimination Tips: How To Reduce Debt With These Do’s and Don’ts

My own debt elimination tips and thoughts on how to reduce debt. I’ve learned from my mistakes so I hope you do as I say, not as I did. In the mid- to late-’90’s, I made accumulating credit card debt something of a hobby. It wasn’ ... , by the end of 1998 I had nearly $25,000 in debt and not a darn thing to show for it. I knew I needed [more...]

Date: 2008-12-12 23:58:35

The State of the Union…

WARNING:  Rant ahead.  It jumps around because it’s a huge mass of topics rolled into one and I have a three year old boy making a lot of noise.State of the Union.  What it is…The single largest screwing the John Q. Public has ever gotten.The enormity of the screwing isn’t even apparent yet [more...]

Date: 2009-01-02 16:31:48

Roundup: Catching Up My Feed Reader Edition

It’s been a while since I hit the feed reader–I mean a long, long while! ... will be the best year for individual savings this decade.”  I can’t help but feel that as soon ... Plan Can you think of 20 things that rock about being debt free?  NCN can!  We are not quite there yet [more...]

Date: 2009-01-04 11:00:15

I Was Looking For The Weirdest Conspiracy Theories

And did I find them: •The driver shot JFK. (the late William Cooper) •The Beatles were designed and sent to the U.S. by the British Psychological Warfare Division, to undermine the morals of American teenagers. (Lyndon LaRouche) •Christ's Crucifixion was staged. (Hugh Schonfield) [more...]

Date: 2008-12-30 17:43:37

Bank of America Refuses a Hardship Application

I was recently contacted by a full time college student with five credit card accounts ... his credit as much as possible. All of the credit card companies, with the exception of Bank of America ... , I have scoured the net for info regarding my debt, and yours is definitely one of (if not the most [more...]

Date: 2009-01-04 01:28:29

Mortgage Interest Rates: Where Are They Heading?

I was listening to a financial talk show on the radio the other day; the host was going nuts over an upcoming Treasury auction where over $140 Billion in 2, 5, and 7 year notes were going to be auctioned. This would represent the most auctioned at one time ever, and would be on top of $60+ Billion in notes auctioned the week before. [more...]

Date: 2009-09-22 21:35:43

Jan 13, 2009

Day started out nice, with a few good trades, notably ADBE short. Then things turned into repetition of yesterday so we cut down on activity. Took couple stops, took couple scalps - all in all, we could finish the day after first morning trades just as well. Session Time: Tue Jan 13 00:00:00 2009 {nemo} guten morgen {Threei} [more...]

Date: 2009-01-13 21:13:50

Seven Deadly Sins For People Trying to Make Money Online

Last week on the History channel every day they have covered one of the seven deadly sins ... do it? I get so pissed off looking at forums or on IRC and hear people do NOTHING but constantly ... themselves =( . Pride: Do you go on forums or blog about how awesome you are? Well then you better [more...]

Date: 2009-01-05 12:03:03

Five alternatives to 0% yield U.S. treasuries

By Xin Lu This week the 4 week T-bill rate was driven down to 0% and the demand for these treasuries was astounding ... with yields higher than 0%. The Fatwallet forums maintains a good list of the current rates ... above 2% and they are FDIC insured up to $250,000 per account. 4. Pay off debt - Instead of buying [more...]

Date: 2008-12-12 01:10:37

Why Phone Conversations with Bill Collectors is a Bad Idea

A highly trained bill collector knows how to get the most money out of defaulted debtors ... % of your payment to the collection agency. So if they get you to cough up $100… they just made $25 buckaroos ... quota they can be let go. A collection agency needs bill collectors that can produce dollars while [more...]

Date: 2009-01-08 02:36:42

Tough Negotiations With Credit Card Companies

One of our readers, Karen, recently left this comment: I opted to pull out my 401k early to pay off debt ... all that I owe in credit card debt and loans, I will be broke. I had to quit my job to pull out my 401k, so the credit card debt has gone up due to late fees and over limit fees. I want to negotiate [more...]

Date: 2009-01-02 14:39:44

Total Money Makeover giveaway

Dave Ramsey’s Total Money Makeover I just gave away a copy of the Total Money Makeover as part of my 10 Day Give. I really love the book, and highly recommend it for anyone trying to work their way out of debt ... , but overpend and need to reduce their debt load. Too many books about debt focus only on paying [more...]

Date: 2008-10-17 12:41:43

So You Want to Work in Sports?: Ryan Knapp, President/GM, Queen City FC

Over the next several weeks, HHR will be interviewing 20 and 30-something-year-olds in various careers in professional, amateur and collegiate sports to get a take on how they broke into their respective industries and to offer tips how ambitious sports-related job seekers might do the same [more...]

Date: 2008-10-09 13:30:00

Annual Report - Sasken - 2008-2009

SASKEN COMMUNICATION TECHNOLOGIES LIMITEDANNUAL REPORT 2008-2009DIRECTOR'S REPORTYour Directors have pleasure in presenting the report on the business and operations of the Company along with the Audited Accounts for the financial year ended March 31, 2009.Result of Operations (Consolidated) - Extract Amount in Rs. [more...]

Date: 2009-09-16 03:37:00

HelpingKind.org: A Pay It Forward Marketplace

Beside being a rather forgettable Kevin Spacey film, ... the Debt by a like operation, when he shall be able, and shall meet with another opportunity. I hope ... recently struck long-time SitePoint Forums member Dave Dalton, and drove him to create [more...]

Date: 2008-11-19 19:19:01

Walking away from foreclosures

Should we be allowed to walk away from foreclosures?  On savingsadvice financial forums a poster called “foolfromAZ” asked the question if he should allow his home to be foreclosed upon.  I’ll post the details and discuss what his options are and if they are viable and perhaps we can all weigh in [more...]

Date: 2008-10-01 13:28:32

Kiplinger’s 6 best budgeting websites…

I just found this article from Kiplinger’s that caught my eye ... to manually add transactions and also thought that the support forums were not very helpful. Next ... There has also been a long-running discussion in the forums about budgeting tools which provides [more...]

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

Will Zealots and Foreigners Support the Market?

Tonight is the night… Lemon—U2 And I feel Like I’m slowly, slowly, ... , we have discussed debt-to-income ratios and how people are financing current purchases. One of the topics mentioned in the comments and in a recent thread in our forums is the large downpayments people [more...]

Date: 2009-01-07 20:30:15

How Bill Collectors Locate You

Thanks to the internet it’s easier than ever for bill collectors to locate your whereabouts ... will use to find you. Initially a collection agency will review the file they receive ... had no phone and no job. According to the Fair Debt Collection Practices Act it is legal for a debt [more...]

Date: 2009-01-08 02:36:42

Banks and Financial Institutions can be More Flexible in their Dealings

Banks and financial institutions are seeking more flexibility in dealing with commercial and industrial loan accounts, ... through the corporate debt restructuring (CDR) mechanism. At the last meeting of the core group ... problems. It looks at accounts which are outside the purview of forums like BIFR and DRT and other [more...]

Date: 2009-01-02 04:30:37

Fed Predicts Economic Decline in 2009 Despite Obama

Minutes from the December 16th Federal Reserve meeting have been released and 2009 is not going to be a good year for you. The Federal Reserve, always taking care in how they address economic conditions, predicted rising unemployment continuing as companies make cut backs [more...]

Date: 2009-01-08 18:59:25

How Much Money Do You Really Need?

How to Manage Your Money by Austin Kleon Here’s a good question: how much money is enough? What do we need to have in order to meet our needs and help us be happy? As I completed my Annual Review recently, I finalized a choice I had been pondering for a while [more...]

Date: 2008-12-29 16:36:19

Simple Ways to Keep More of Your Money in 2009

This is a guest post from Trisha Wagner. Please take a minute to check out her bio at the end of this article. Did the state of the economy last year leave you wondering what 2009 might have in store for your finances? Are you, like the rest of the world, [more...]

Date: 2009-01-08 09:00:36

The Cost of our Wars and the Bailout; Angry Muslims

Cross-posted by Maggie at Maggie’s Notebook Value of 2008 Bailouts Exceeds Combined Costs of All Major U.S. Wars - that’s ALL major U.S. Wars ... to the major U.S. wars and other major historical government expenses. “Today, families are in debt and government is in debt. According to Bloomberg, the federal government has made commitments worth [more...]

Date: 2009-01-08 03:13:42

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