Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

Blog posts (191) | Videos (170)
 

Daddy’s Home, and a Bit Lost

This article is from The New York Times By: Peg Tyre Published: January 9, 2009 SCOTT BERRY has always been a morning person. For years he would wake up at 5 a.m., shower, shave and, tamping down a twinge of regret, plant quiet kisses on his two sleeping children and his wife, before backing his BMW out of the driveway [more...]

Date: 2009-01-13 01:06:21

Strategic Drift

Whether it was a kabuki dance or just the Democratic majority in the Senate finding its power or, amazingly, the essence of deliberative democracy, ... that the first half of the $700 billion of the financial rescue law was badly mismanaged, Obama’ ... . The right is focused on deficit reduction, which is interesting, considering that eight years of [more...]

Date: 2009-01-12 15:58:00

Why You Don't Want A "Top Producer" Listing Your Property

The completely frenzied micro-market currently manifesting in the Eastlake area of San Diego is a wonderful illustration of several pieces of advice I consistently give. First, What Happens When You Over-Price Real Estate?: properties priced correctly are getting multiple offers, properties priced a little under are seeing bidding wars, [more...]

Date: 2008-12-22 14:47:11

Bacevich: The Limits of Power

Is an imperial presidency destroying what America stands for? Bill Moyers sits down with history and international relations expert and former US Army Colonel Andrew J. Bacevich who identifies three major problems facing our democracy: the crises of economy, government and militarism, and calls for a redefinition of the American way of life [more...]

Date: 2008-09-30 04:30:00

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

What Debt Consolidation Information Can Be Trusted?

Amazon.de Widgets Debt consolidation information can be conflicting, this could be because many companies are in it for themselves and will tell you one thing and others, are there to give you the best deal and assistance they can. But which are which?Debt Consolidation Information can be overpowering initially, especially if your knowledge of financial products is limited. [more...]

Date: 2009-09-28 11:08:25

Tribune Co. Files for Bankruptcy

Well looks like it wasn't a negotiation tactic after all. The AP is reporting (and our sister-blog FishbowlLA picked up a few minutes ago) ... have coupled with a credit crisis, making it extremely difficult to support our debt. All of our major ... from the NYT's Dealbook:In a court filing, Tribune said it had nearly $13 billion in debt, compared [more...]

Date: 2008-12-08 19:08:09

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

Emily’s List: 'Poor' musician edition

Happy Friday! Today is the birthday of several music greats; Joan Baez, Jimmy Page, Dave Matthews, and even AJ McLean of the Backstreet Boys ( ... of the composer Johann Strauss. This week's credit card roundup of posts from around the personal finance blogosphere celebrates famous musicians and their questionable experiences with credit cards [more...]

Date: 2009-01-09 15:30:21

23 October SWJ Roundup

QUOTE OF THE DAY On a Southeast Asian front that's vital yet largely unfamiliar to most Americans, some 500 US Special Operations Forces and their Filipino counterparts have been fighting a different, unconventional - and seemingly successful - war against Islamic terrorist groups with links to Osama bin Laden's al Qaida [more...]

Date: 2008-10-23 07:43:30

The Political Case for a Strong Stimulus Bill

The Political Case for a Strong Stimulus Bill Although Obama's proposed stimulus plan is better than what Bush would have devised, his own economic team admits it doesn't do enough to reduce unemployment: “Full employment” ... that won't be effective, but will burden us with greater debt as we plunge deeper into recession [more...]

Date: 2009-01-15 19:06:36

Arrange Your Own Debt Consolidation and Save Money

Amazon.de Widgets Debt consolidation companies can and have provided excellent services to thousands who have had severe credit card debt and who were suffering financial problems as a result. However, these services are not free and also many people don’t like the idea of handing over their personal information to these companies. The solution: DIY debt consolidation. [more...]

Date: 2009-09-25 15:43:00

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

Gates of Vienna News Feed 11/16/2008

Don’t miss “Letter From Iceland” under the “General” heading. The most concentrated essence of the financial crisis can be found in Iceland, and the account of recent events there is fascinating — and sobering.Thanks to C. Cantoni, Conservative Swede, Diana West, Insubria, JD, no2liberals, RRW, TB, and all the other tipsters who sent these in [more...]

Date: 2008-11-17 04:57:00

How To Do A Short Sale

Why Would a Lender Accept a Short Sale? By Elizabeth Weintraub A short sale in real estate is not always a pleasant transaction ... credit, embarrasses the family and strips an owner of dignity is one of the hardest. For owners ... conditions pursuant to the Mortgage Forgiveness Debt Relief Act of 2007, be aware the I.R.S. could [more...]

Date: 2009-01-11 18:17:51

How To Consolidate Your Debt

Amazon.de Widgets Many people are now looking at how to consolidate their debt in an attempt to improve their financial situations. Debt consolidation provides immediate relief to people suffering from debt related stress and anxiety but is only part of the process f dealing with personal debt.Many people are looking at how to consolidate debt in an attempt to improve a poor financial situation, and quite rightly too. [more...]

Date: 2009-09-28 11:04:32

Are We Witnessing the Collapse of Liberalism?

Are We Witnessing the Collapse of Liberalism? By J. Robert Smith Less than a year into his presidency, Barack Obama’s world grows bleaker.  Liberalism’s world is bleaker.  At home and abroad, liberalism, as advanced by the President, is failing.  Are we witnessing the beginnings of another historic event, loosely comparable to the fall of communism twenty years ago?  Now the fall of liberalism? [more...]

Date: 2009-09-29 13:36:14

Using Credit Cards

Almost everywhere we turn we see advertisements for us to get hold of another credit card so we can spend and get those things that we love ... of non profit debt consolidation companies who include credit card debt management in their services ... vacation, we can all take advantage of the extra funds that using a credit card brings [more...]

Date: 2009-01-15 15:06:03

Legal Helpers vs Transforming Debt Into Wealth Course - A review of two popular debt elimination programs

Transforming Debt Into Wealth Review A person deep in difficult financial situation and is desperate for a solution tends to grab the first ... elimination. In his program called “Transforming Debt Into Wealth” he will teach you to focus ... their exclusive services to help people get out of their debt.  Depending on the type and amount of debt [more...]

Date: 2009-01-15 07:35:31

Credit Card Settlement Can Trigger Tax

Credit card banks may offer settlement at a reduced amount if you get behind and fail to keep current on your payments. My colleague, Doug Jacobs, talks about Negotiating Your Credit Card Balance in an earlier series of articles on this website. However, if a bank or other finance company agrees to settle a debt [more...]

Date: 2008-09-07 00:48:44

Reduce debt

Is reducing debts possible? Absolutely, it is! Debts can give someone a stressful life but with the help of an approved company, ... today and have a DEBT REDUCTION. They have the best credit counselors which will be at your side ... one will be aided in his way to a debt free life. To all clients who are experiencing a problem [more...]

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

The Political Case for a Strong Stimulus Bill

Although Obama’s proposed stimulus plan is better than what Bush would have devised, ... that to 7.3 percent, which would be a help but could easily be spun by critics as a failure. Why ... that won’t be effective, but will burden us with greater debt as we plunge deeper into recession [more...]

Date: 2009-01-15 19:12:30

Notes from Today’s Economic Recovery Conference

Image via Wikipedia I spent today in Dublin at a conference organised by the UCD economics department and the ... s rant was so powerful, hair pieces fell off at the back of the room. The strength of his rant could ... , sustainability of pubic debt. Irish case is open to different views, need a consensus. [more...]

Date: 2009-01-12 20:38:41

Countervailing Powers

by hilzoy From the Washington Post: "Senate leaders won the support of Citigroup, one of the nation's largest banks, ... too. And I'm glad they won't be trying to block the sensible position that mortgage debt should be treated like any other secured debt in bankruptcy, which looks like a very good way to prevent [more...]

Date: 2009-01-09 01:20:17

10 Things You Should Know About Bush’s Trillion Dollar Fleecing Plan

By AlterNet Staff, AlterNet. Posted September 23, 2008. Here’s a roundup of what opponents of the Bush-Paulson plan are saying. The Bush administration’s proposal to bail out some of Wall Street’s biggest players with an unprecedented transfer of public wealth to the private sector sent shock-waves throughout the nation [more...]

Date: 2008-09-23 14:46:31

Two Questions for SAM

Andrew Caplin et al. propose a way to stop home foreclosures:The way to do so is through the shared appreciation mortgage, or SAM ... of their mortgage debt, but at the same time, they are required to share future appreciation gains with those ... get "just compensation" for losses that resulted because Congress crammed down an equity-for-debt swap? If [more...]

Date: 2008-10-29 07:44:00

Eight things to do in recession

Don’t panic. The first thing you should do is not panic. By panic, you are making things worse. This is not the end of the world ... . Get your cash position to at least a year’s worth of living expenses. Manage your debt. Examine your short-term liabilities. Cut your debt especially with high interest rate. You can also refinance [more...]

Date: 2009-01-14 14:47:25

Sekwanele! Social Movement Struggles for Land and Housing in Post-Apartheid South Africa

This article is published in the current issue of Left Turn magazine.Sekwanele! ... settlement in Durban. Sparked by an unattended candle, the fire spread quickly and raged for hours.With ... . In the eThekwini municipality where the Foreman Road settlement is located, there is roughly one shack fire [more...]

Date: 2009-01-12 13:31:02

Midnight Meanderings – Back To The Basics

Site Redesign - I’ve tweaked the look of No Credit Needed .  I hope you like the larger text and less-cluttered layout. From No Credit Needed – The first four articles in the Back to the Basics series - How To Eliminate Credit Card Debt How To Maximize Or Minimize Interest How To Stay On Track How To Stay Out Of Debt From No. [more...]

Date: 2009-09-27 01:29:13

What Would They Know? Kathryn of Pink Frosting

Bringing in the new year is a lady who I’ve been lucky enough to come to know over the past few years.  Kathryn Porritt! Kathryn has not only been an event planner in Canberra, but she now runs one of Australia’s most gorgeous online wedding stores Pink Frosting and writes the delightfully gorgeous blog Australia Entertains [more...]

Date: 2009-01-06 04:04:57

20 November SWJ Roundup

At the request of the small group of think-tankers I was travelling with, General David McKiernan's headquarters has agreed to release an unclassified version of the ISAF Campaign plan specifically for posting on Small Wars Journal. Things I find particularly interesting in this plan include the upfront acknowledgement that this is a [more...]

Date: 2008-11-20 02:24:18

Get the Right Credit Counseling!

My credit card dues were mounting and I was wondering where I could get some advice on managing my debts when my friend referred me to visit www ... the client’s needs. In short the Credit Exchange helps you to find the best debt consolidation company ... .thecreditexchange.com for help. The Credit Exchange Corporation provides Debt Counseling [more...]

Date: 2009-01-13 18:49:43

"The $10 Trillion Hangover"...

You gotta read this...(Apologies and thanks to Harper's, etc.)The $10 Trillion Hangover: Paying the Price for Eight Years of BushBy Linda J ... , trade deficits, and debt have reached record levels. Unemployment and inflation ... , 5 million more Americans have no health insurance. Consumer debt has almost doubled, and nearly [more...]

Date: 2009-01-11 13:21:00

Debt Management Solution: Perfect Way to Resolve Debt Related Issues

The fact that you can accumulate loans from various multiple sources makes it easy for you to fulfill your various demands ... finances. Credit cards too are a major source of high interest debts. So, you should minimize ... of debts. This will considerably lower the debt burden. You can consolidate the remaining debts [more...]

Date: 2009-01-06 02:31:29

What 2 Things Are The Main Reasons Why Credit Card Consolidation Should Be Considered?

Amazon.de Widgets Credit card consolidation is an excellent way to improve credit card debt both by simplifying the management of your debt and the more importantly the amount you will eventually repay.Credit card consolidation will undoubtebly help if you have many credit cards and are starting to lose control of both your repayment schedules and the amount you need to pay to each card provider. [more...]

Date: 2009-09-29 11:41:23

Carnival of Debt Reduction, Thanksgiving Week Edition

This Thursday is Thanksgiving in the United States. If you’re traveling, please do so safely ... with a quickie on how not to abuse your credit cards. Destroy Debt lists over six dozen ways ... have to use your credit card for things. Debt Free Destiny asks how freely your cash is flowing. Credit Card [more...]

Date: 2008-11-24 07:42:18

Rolling Stone Throbs With Hate for Palin and The American People

It's utterly predictable that the aging-hippie magazine Rolling Stone would publish an article titled "Mad Dog Palin" ... , intelligence, education, patience with the notion of compromise and negotiation, and a willingness ... of his lungs while his kids live off credit cards and Saudis buy up all the mortages in Kansas [more...]

Date: 2008-09-23 18:22:29

Open Letter To Congress On The $700 Billion Paulson Bailout Plan

Dear CongressTreasury Secretary Paulson is asking you to rush through a $700 billion package because " ... at all.The problem is consumers and corporations are deep in debt with no way to service that debt.Attempts to bail out banks and brokers at taxpayer expense will do nothing but add to consumer debt [more...]

Date: 2008-09-22 02:28:00

Debt Settlement Is A Solution To End Your Financial Problems

by katie George Are you constantly hoping it is not another creditor calling you, every time you hear the phone ring? ... about relieving some of the stress that comes with knowing you are in debt? Debt settlement is a solution that can ease your financial pain. Maybe you have heard of the term “debt settlement” but you aren’ [more...]

Date: 2008-12-30 21:51:57

Sarah Palin and Joe Biden Complete Debate Transcript

The Ticket had a live-blog during this entire event, which is available here. Here's a quick video of some non-verbal language. The transcript comes below. Hey, you could have instant alert of this Ticket item and all others flashed directly to your cell free by going here to Twitter and registering [more...]

Date: 2008-10-03 04:30:02

Limbaugh, others run with GOP attack on Obama for Libyan funding — ignoring Bush’s requests for millions* for Libya

Limbaugh, others run with GOP attack on Obama for Libyan funding — ignoring Bush’s requests for millions* for Libya Right-wing media including Rush Limbaugh, National Review Online’s The Corner blog, the Gateway Pundit blog, and the Say Anything blog have attacked President Obama over funding that the State Department plans to give to Libyan organizations, including the Gaddafi Development Foundation, run by one of Libyan leader Moammar Gaddafi’s children. [more...]

Date: 2009-09-26 11:43:15

Sekwanele! [Enough is Enough!]: Social Movement struggles for Land and Housing in Post-Apartheid South Africa

This article is published in the current issue of Left Turn magazine in the United States of America ... up the Foreman Road informal settlement in Durban. Sparked by an unattended candle, the fire spread ... fire almost every other day. In the eThekwini municipality where the Foreman Road settlement [more...]

Date: 2009-01-08 14:50:04

MAKLUMAT TENTANG REGIM ISRAEL DARI SUMBER CIA, AP, REUTERS DAN WIKIPEDIA

.fullpost{display:inline;}REGIME ISRAEL/ ZIONISTSBackground:Following World War II, the British withdrew from their mandate of Palestine, ... representatives and Syria to achieve a permanent settlement. Israel and Palestinian officials signed ... out a roadmap to a final settlement of the conflict by 2005, based on reciprocal steps by the two [more...]

Date: 2009-01-04 17:23:00

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

Private Equity Drama Unfolding

As the economy weakens and credit markets remain tight, ... growing. The main problem First Data faces is its mammoth debt burden and interest costs barely ... announced (In November) a tender offer for various tranches of debt, but offering prices well below [more...]

Date: 2008-12-11 05:59:19

The Inside Story (Java, Microsoft and MySQL)

As consumer spending slows across the world, a variety of "brick and mortar" retailers are clearly feeling the impact. Foot traffic is slowing, and it's getting harder to balance debt laden real estate portfolios and fickle consumer trends. For consumer product manufacturers, retail distribution is key [more...]

Date: 2008-11-13 07:19:56

FTSE seen opening up - MSN UK News

FTSE seen opening up - MSN UK News Filed under: Real Estate — Administrator @ 1:10 am FTSE seen opening up - MSN UK News LONDON (Reuters) ... pose threat; one builder acts to force negotiation - Herald Tribune Unable to get bankers to renegotiate nearly $22 million in debt, Southwest Florida home builder Lee Wetherington has filed a legal [more...]

Date: 2009-01-14 08:10:04

Disadvantages of Student Loan Consolidation

Every loan has its pros and con and same thing holds true for student debt consolidation loans as well. No doubt the loan provides several benefits ... is unstable at present. And as the global recession continues applying for student loan consolidation ... installments over the years. With all these benefits the student debt consolidation loans becomes [more...]

Date: 2009-01-08 04:44:15

Russell Kirk on Bush I's Iraq war

Last night, I came across a speech I had heard before, of Russell Kirk in 1991 in the waning months of the presidency of George H.W. Bush entitled "Political Errors at the End of the Twentieth Century."  It reminded me so much of our current time in the waning days of George W. Bush’s presidency, and war in Iraq, that I had to post it up [more...]

Date: 2008-12-24 02:11:17

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