Refinancing When You Owe More Than The Home Is Worth

I've been looking around for an answer to this but my searches haven't returned anything useful ... now, that's 50% equity even if you didn't have a down payment. So people who bought for $180,000 were refinancing ... $225,000, that's one loan at 6.25%, with a payment of $1089.82. This cuts $86.49 off the monthly [more...]

Date: 2009-01-08 09:54:12

Blog posts (147) | Videos (140)
 

"Thoughts about Thinking"

Paul Krugman's "fairly distinctive intellectual style": How I work, by Paul Krugman (1992/1999): My formal charge in this essay is to talk about my "life philosophy". Let me make it clear at the outset that I have no intention of following instructions, since I don't know anything special about life in general [more...]

Date: 2008-10-13 22:52:07

The New Wave for the Baby Boomer and the Senior!

The New wave for the Baby Boomer and the Senior! Now that the baby boomers oldest has hit 62 years of age it is becoming increasingly more obvious ... all of the time in the Reverse Mortgage industry is as follows in order. 1. What is going to happen ... today. If you are going to leave something behind why not try to not leave debt that has to be paid [more...]

Date: 2009-01-09 03:00:05

Carnival of Debt Reduction: Tips via Twitter Edition

Welcome to the Carnival of Debt Reduction, a traveling weekly roundup of the best articles in the blogosphere covering credit cards, consumer debt, mortgages, and the elimination thereof. Here is more information about the Carnival of Debt ... to be featured in today’s Carnival of Debt Reduction. What follows is the best of those submissions [more...]

Date: 2009-01-12 13:00:59

Pay off Debt or Pile Up Cash? Goals for 2009

Lots and lots of people around bloggyland have been posting their 2009 goals and I thought I should do the same ... to be on step 2: Pay off all debt except the mortgage. Including our vehicle, personal loan, and Small Business Association loan we owe right at $25,000. (When we started our debt freedom journey the number [more...]

Date: 2009-01-06 01:38:00

Michael Lewis on Causes of Financial Crisis

Michael Lewis, author of the long-selling book, Liar’s Poker, offers a magazine-style account of some of the factors provoking the current financial crisis. It is a delightfully literary contribution that will likely appeal to those captivated by best-selling narrative ( [more...]

Date: 2008-11-13 01:40:32

How To Become A Millionaire and Get Rich In 10 Steps

So you want to be a millionaire? Well you know what? Me too - and I’m determined to get there in the near future ... as the means to generate free credit card arbitrage income. Through the use of airline credit cards ... , and with business credit cards, they took advantage of high credit limit card financing and business [more...]

Date: 2008-10-13 08:13:02

Effective Immediately - No Refi’s For Borrowers with Modified Loans

1/5/09 - EFFECTIVE IMMEDIATELY - Modified Loans are Ineligible For Fannie/Freddie Refi’s, while FHA MAY Be Eligible ... , resulting in either absolute forgiveness of debt or restructuring the debt through either ... of the original mortgage debt to a “soft” subordinate mortgage; or Conversion of any portion [more...]

Date: 2009-01-12 17:52:15

How Can We Save Our Debt-Swamped Government? [Your Government]

The United States is $10.2 trillion in debt. Like countless Americans, ... in debt and I only make $2.5 trillion per year, and now this Bernanke jerk put me on the hook ... all my stuff. Please, what can I do? Calm down, Jim. You too can escape from debt by following a few basic [more...]

Date: 2008-10-11 22:00:00

Debt Consolidation Refi Loan - Refinance and Get Out of Debt

Before mortgage interest rates begin to rise, homeowners must take advantage of low rates and refinance their mortgage ... to become debt free. What Are Debt Consolidation Refi Loans? Consolidating debts has become an effective means for reducing and eliminating debts. Many people have more debt than they can handle [more...]

Date: 2009-01-15 06:43:03

DebtTracker Pro (2.0.4)

DebtTracker Pro (2.0.4) SnapTap Category: Finance Price: $2.99 Cracker: most_uniQue Application Description: DebtTracker Pro helps you stay on top of your finances by providing a simple interface to keep track of your debt. DebtTracker Pro also features the ability to track a payoff plan for your debt Go here to read the rest: DebtTracker Pro (2.0.4) [more...]

Date: 2009-09-24 09:49:59

TNA Impact Results (1/15): AJ Styles vs. Scott Steiner

Source: Randy Harrison of 411 Mania We start the show out with highlights from the Genesis pay-per-view including Alex Shelley’s X Division Title ... with matching t-shirts. Kurt Angle grabs the microphone and talks about how there have been many great [more...]

Date: 2009-01-16 04:12:04

Home Equity Loan after Bankruptcy - Make a Fresh Start after Bankruptcy

Making a fresh start after a recent bankruptcy is the best approach for rebuilding your credit history ... that are secured by collateral. For example, a secured credit card, auto loan, mortgage, etc ... . Filing bankruptcy will result in a negative credit rating, and make it more difficult to achieve [more...]

Date: 2009-01-15 06:04:42

Suzee Orman Says “Pay off Your Mortgage, Boomers” - But I’m Not Sure

Suze  Orman has a new book that she’s promoting on Oprah’s website: Suze Orman’s 2009 Action Plan ... Your Mortgage says that carrying mortgage debt into retirement can wreak “financial havoc.”  He takes the reader through three scenarios of mortgage repayment, to review the tax effects of paying off [more...]

Date: 2009-01-12 16:48:32

Your Family Budget: Step by Step

by banoootah_qtr   A budget can help you to plan for expenses and know where your money is going.  It’s a fantastic tool — as long as it doesn’t get too complicated. Karen recently sent this question to me: I’m wondering what steps you took to get your family on a budget [more...]

Date: 2008-09-30 12:00:18

Savings Update for the New Year

I set up my savings snowball in August, right after I paid off my credit card debt ... some more adjustments. Adjustments are the key to the savings snowball - unlike a debt snowball, it’s not a "set it and forget it" type of thing. Savings plans tend to change a lot more than debt payoff plans [more...]

Date: 2009-01-12 22:24:57

ratcheting up the pressure

I assume these recent speeches by Obama are intended to publicly call out Blue Dogs and Senate Republicans to get along and go along once the ... could repay them, and some borrowers took advantage of cheap credit to take on debt they couldn’ [more...]

Date: 2009-01-08 18:03:39

Bankruptcy and Debt Carnival #18- Online Now!

Bankruptcy and Debt Carnival #18- Online Now! Monday, January 5, 2009 Welcome To The 18th Bankruptcy & Debt Carnival! Jan ... that were absolved due to bankruptcy or debt settlement. And collection agencies also sell debts in bulk to other collecting companies. Why would anyone buy debt that legally can’t be collected on?” Credit [more...]

Date: 2009-01-05 23:52:20

Take Control of Your Finances Part 6: Get Out of Debt

Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else. With debt, your finances are controlled by someone else, not you. For example, credit card ... is controlling a portion of your finances. If a Citi customer is accruing more debt on the credit [more...]

Date: 2008-11-21 17:52:35

Credit Card Balance Transfer - Do You Need One?

Credit card issuers keep on adding new features to credit cards to woo potential customers. A credit card balance transfer is one among them ... with balance transfers. Unfortunately, credit card debt can build quickly if balances are not paid in pull ... . You can transfer your outstanding card balance (or balances) from your higher interest credit [more...]

Date: 2009-01-15 08:12:18

Net Worth: September - The market gobbled up $5,223.70

Not that it was all that surprising, right? ... goals i'm working on right now: 1) Erasing all our "credit card" debt, 2) Pumping up my half ... to some new blogging income (finally!), and i'm still religiously paying off my Credit Card with any [more...]

Date: 2008-10-01 14:50:53

the auto fund is connected to the credit card fund....

It's been awhile since I've done a debt-proof living update. The beginning of the new year seems like a good time.  We're still on track ... the vehicles are old - we'll need a new one at some point.  OR. Roll that payment onto the credit card bill [more...]

Date: 2009-01-06 19:10:46

Is America in Decline?

Paul Kennedy has a piece in today's WSJ, American Power Is on the Wane  that claims that America has begun its decline as a nation and empire ... - Down 43% German DAX - Down 40.4% UK FTSE 100 - Down 31.3% Japan Nikkei - Down 42% Hong Kong ... . Which is astonishing when you consider that the national debt increased (The Debt to the Penny [more...]

Date: 2009-01-14 18:08:41

This year I am declaring three New Year’s Resolutions in three categories:  finances, personal and blog-related.  These resolutions are really just big goals, but since the idea of declaring New Year’s resolutions this time of year is popular I’ll play along [more...]

Date: 2008-12-30 12:11:01

Should You Lease A Car Or Not?

It's 2009 and your car lease is almost up.  It's time to turn in your car and face the music of paying for extra mileage and putting out some dough to get your car in tip-top shape.  You're asking yourself, "Should I lease again?  Are my leasing days over?" [more...]

Date: 2009-01-06 00:54:59

16 Ways to Do It Yourself

Do you do it yourself…. or do you pay someone to do it for you? ... hair. Or color it. Or give yourself a manicure or pedicure. Pay off debt. Instead of using a debt consolidator, buckle down, do it yourself, and create a plan for debt elimination. Clean your house [more...]

Date: 2009-01-08 15:18:33

Software You Can Use to Get Out of Debt Software You Can Use to Become Debt Free The Best Software for Getting Out of Debt The Best Software Programs for Getting Out of Debt

Software You Can Use to Get Out of Debt Software You Can Use to Become Debt Free The Best Software for Getting Out of Debt The Best Software Programs for Getting Out of Debt by Sean PayneIf you’re stuck with loads of debt, you may have noticed that many of those who get out of debt tend to use some kind of financial software. There’s a good reason for them to do so: It works like crazy!A wise man will tell you that “success leaves clues”. [more...]

Date: 2009-09-23 08:21:01

LendingClub Loans

Examples of loans being funded at the LendingClub. If these guys are getting their loans funded, couldn’t you? ... I am looking for a better rate to pay off my credit card. debt. Las Vegas, NV I NEED A LOAN TO PAY OFF ... . tamarac, FL Using to pay down credit cards Rensselaer, NY Pay off credit card at lower rate Jupiter [more...]

Date: 2009-01-11 01:17:27

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

Your Credit Score Affects Your Reputation

Reputation is a measure that all of us have ... . This will ensure that you can get the payoff put on your credit report. What you should then do is to stop using credit. If you come across an item that you want, that you would normally use a credit card [more...]

Date: 2009-01-07 13:45:30

Loan For Bill Consolidation - Learn How to Apply for a Loan Bill Consolidation

Online loan for bill consolidation may be an excellent option for people looking to come out of debt ... suggests, loan for bill consolidation, also known as debt consolidation is a means of combining all your debts. Your various debts would be consolidated into single debt from a credit card company or a bank [more...]

Date: 2009-01-12 20:20:11

Tracking My Finances In 2009: 3 January

Welcome to  tracking of income and expenses for the month ... the Capital One card for payoff before the end of February because the 0% interest offer ends ... be negative until the last day of the month. This does not mean that I am adding to my debt [more...]

Date: 2009-01-03 12:03:56

Financial Resolutions

It’s that time of the year again, New Year’s Resolution time ... you can take today to fix your finances?Get Out of DebtDon’t Take on New Debt – Step 1 to getting out of debt, don’t take on any new debt! If you’ve got a debt problem, put away the credit cards [more...]

Date: 2009-01-05 13:51:00

Obama's Privileged Few

Red is the color Birdie Obama seems attached to. He loves red Marxism and in economic devastation to the United States, ... we can't pay these medical, retirement and high wages or we are going to go bankrupt! We need relief [more...]

Date: 2009-01-08 18:06:00

Foreclosures in Charlottesville - Answers to some of the Questions

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... in our market. It’s a complicated issue, and many realtors and even real estate attorneys are still [more...]

Date: 2008-11-03 18:00:27

Loan For Bill Consolidation - You Know How to Apply for a Loan Bill Consolidation?

Online loan for bill consolidation may be an excellent option for people looking to come out of debt ... , loan for bill consolidation, also known as debt consolidation is a means of combining all your debts. Your various debts would be consolidated into single debt from a credit card company or a bank [more...]

Date: 2009-01-14 20:20:12

Birmingham Mayor Larry Langford Arrested

Larry Langford, the mayor of Birmingham, Alabama, ... to pay his growing personal debt. All the while, Blount was paid fees topping $7 million,” said ... institutions to use Blount as a consultant so Blount would make fees and in turn payoff Langford [more...]

Date: 2008-12-01 17:29:16

Economic Globlization and Speculation Coming Home to Roost By Rowan Wolf

Dandelion Salad Sent to me by Jason Miller from Thomas Paine’s Corner. Thanks, Jason ... , or an attempt to “quarantine “toxic debt.” There is a much bigger avalanche waiting to come tumbling [more...]

Date: 2008-10-08 10:46:09

Should I pay the collection agency or the original creditor?

When possible pay the original creditor and bypass the collection agency.  If your creditor has ‘assigned’ your defaulted debt over to a collection agency for collection… ... then pay them and eliminate the third party.  See also, How to deal with collection agencies. Dear Debt [more...]

Date: 2009-01-05 23:03:22

GMAC Restructuring Leaves SmartNotes Holders in the Lurch

Many readers have been following the GMAC (GKM) bond saga - especially SmartNotes. The latest is that GMAC will restructure its debt to avoid bankruptcy, and that SmartNote holders ... . I reckon that SmartNotes are now zero coupon bonds, with the payoff at maturity being their $1000.00 [more...]

Date: 2008-12-03 13:30:30

Loan Bill Consolidation - Can You Get Out of Debt With Loan For Bill Consolidation?

Loan bill consolidation online is a workable approach to getting out of debt ... debt - either with a single credit card or a bank or any other financial company. You can get many ... . Typically homeowners and people with a good credit history have access to many debt reduction [more...]

Date: 2009-01-14 20:20:12

Deficits Only Matter When They Matter

Paul Krugman says that now is no time to worry about deficits: Just to be clear, ... a liquidity trap to avoid depression, but you want to keep the long-run debt load in check [more...]

Date: 2008-12-01 19:12:07

Best Refinance Mortgage Rates - Ways to Qualify for a Low Refi Rate

Obtaining a low rate is a top concern for many homeowners who choose to refinance their existing mortgage ... payments, judgments, and high debt to income ratio are damaging to your credit score [more...]

Date: 2009-01-15 04:45:36

The Big Bank Job: The Insanity of the $700 Billion Giveaway by Michael Hudson

Dandelion Salad Sent to me by Jason Miller from Thomas Paine’s Corner. Thanks, Jason ... will get rid of their bad mortgages, and also their bad car loans, furniture time payments, credit-card loans [more...]

Date: 2008-09-28 10:05:07

Tell All Tuesday: Holiday Edition

Thank you all for the concern for my daughter after my last post ... t be.  The last time I was really impatient, with the credit card payoff, my car died when I only had a little over [more...]

Date: 2008-11-12 04:08:05

FL-16: Mahoney (D) in serious scandal

This is serious, and it could well mean the end of Rep. Tim Mahoney's brief political career. Frankly, this may not be a bad thing ... : Well. Even giving Mahoney the benefit of the doubt on the alleged affair and payoff - even [more...]

Date: 2008-10-13 23:14:59

Obama's 'Main Street' Focus

Obama's 'Main Street' Focus President-elect Barack Obama at today's press conference announcing his economic team. AP Photo/Charles Dharapak President-elect Barack Obama had but one central message in his brief press conference today announcing his economic team: I feel your pain [more...]

Date: 2008-11-24 19:00:00

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