What Are The Benefits Of Using 0% APR Credit Cards?
Amazon.de Widgets The practice of chasing 0% credit cards has been around for a while now. Let’s face it, if you could guarantee continual use of credit cards without paying interest you too would jump from one card to the next.0% credit cards are as popular today as when they first appeared a few years ago and even during these harsh economic times credit card usage and the pursuit of these deals is continually increasing with massive increases in the past 5 years alone.How much of the blame [more...]
Date: 2009-09-29 12:13:36
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Foreclosure Scams You Want To Avoid
by Adam Whazzer Foreclosure is one of the worst things that can happen to a homeowner. Knowing there are scammers waiting to prey on your desperation and vulnerability makes the situation even more worrisome. Thousands have fallen prey to phony foreclosure counseling, phantom help, bait and switch, rent to buy, and bankruptcy foreclosure scams. Being able to know the telltale signs of a foreclosure rescue scam can save you the agony and suffering of becoming yet another victim. [more...]
Date: 2009-09-29 19:23:35
Small business loan support scheme unveiled by Mandelson
The government today unveiled a scheme to secure some £20 billion of short term lending to support ... to convert debt into equity. Phil Orford, chief executive of the Forum of Private Business, expressed [more...]
Date: 2009-01-14 17:29:05
Cheap Home Improvement loan? Loans at low rate of improvement in house prices
When your house is now in need of some repair requires a building or other works seem to some modern improvements, we are certainly looking for a suitable loan. Cheap Home Improvement Loan is to provide a loan at low interest rate so that it works to improve, we can not stop feeling the burden of repayment meaning. With economic improvement loans home repair work can only be so necessary, but also enlarge some rooms, update your kitchen with the latest design, you increase your home or garden and so on. [more...]
Date: 2009-09-29 07:39:12
FDIC Faces $10 Billion Blast on IndyMac Loans
The Federal Deposit Insurance Corp. – while supposedly rid of IndyMac Bank via a sale agreement with a consortium of private-equity investors last week — may face $10 billion in previously-unknown [more...]
Date: 2009-01-12 12:51:30
Risks associated with the use of home equity loans for other purposes
This is a normal practice for applying for loans secured home improvement, and with the money for their own purposes. If undetected, this is a cheap source of financing. However, depending on the loan, can cause a number of issues that may also cause the Court. Although one might think that "it's only fraud if you get caught," the risk of a breach of the rules by Home Improvement Loan Borrowers contractually implied by changes in the end, initially to deter money. [more...]
Date: 2009-09-29 19:42:07
John Paulson Playing Matchmaker For IndyMac And CIT
Hedge fund manager John Paulson could be mulling the merger of banks CIT and IndyMac. It's one potential solution for the two troubled institutions which Mr. Paulson has substantial debt and equity stakes in. New York Post: A marriage between the two banks would help IndyMac with its plans to diversify away from mortgages to commercial loans as CIT Group is one of the nation's biggest lenders to small and midsize businesses. It could also help expand CIT's deposits. [more...]
Date: 2009-09-29 12:20:17
Learn About Interest Rate Only Loans Before You Borrow
September 29, 2009 | By Dominic K. Kimbell In Finance | by Dominic K. KimbellWhen you pay your monthly home loan payment, you may have noticed that a part of it (however small) reduces the mortgage and the rest of it pays the interest. This was how all mortgages were until recently. Banks have now come up with a new type of loan called interest only.Basically the borrower can pay what he wants, provided he covers the minimum of the interest payment. [more...]
Date: 2009-09-29 17:13:13
War Made Easy_Brainwashing…Why a Global Economic Deluge Looms June 2006!!
War Made Easy… http://www.warmadeeasythemovie.org/ War Made Easy Reaches into the Orwellian memory hole to expose a 50-year pattern of government deception and media spin that has dragged the United States into one war after another from Vietnam to Iraq. Narrated by actor and activist Sean Penn, the film exhumes remarkable archival footage of official distortion and exaggeration from LBJ to George W. [more...]
Date: 2009-09-29 14:26:05
Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?
Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]
Date: 2009-09-29 11:50:50
Foreclosure Scams You Want To Avoid
Foreclosure Scams You Want To Avoid by Adam WhazzerForeclosure is one of the worst things that can happen to a homeowner. Knowing there are criminals waiting to feed on your desperation and vulnerability makes the situation even more worrisome. Hundreds have fallen victim to phony foreclosure counseling, phantom help, bait and switch, rent to buy, and bankruptcy foreclosure scams. [more...]
Date: 2009-09-29 19:47:22
Exploring Your Mortgage Loan Options
Exploring Your Mortgage Loan Options by Crystal GuthrieIf you are planning to take out a loan in order to purchase a home, you may think there is only one type of mortgage available. Generally one does not hear people discussing about taking out a specific type of mortgage. Although the majority of buyers do take out what is referred to as a fixed rate mortgage, the reality is that there are several different types of mortgages available. [more...]
Date: 2009-09-29 10:47:38
Refinances Booming? Not As Much As You Think
Discount all the reports you read about Americans lining up to refinance their mortgages and take advantage of the lowest rates ever ... down. Only about a third of U.S. mortgage debt outstanding is likely to qualify for refinancing ... or Freddie Mac in the highest-cost areas. “The refinance boom is mostly impacting the people who need help [more...]
Date: 2009-01-16 00:46:03
Manhattan Inventory Stagnates - For Now
A: With Q4 in the books, we are getting the first glimpses of what happened to our marketplace in the period after the fall of Lehman and the gov't rescue of AIG. However, use caution when reading into these reports because they are lagging in nature & are still a bit skewed from new dev closings whose contracts were signed up to 18 months ago [more...]
Date: 2009-01-07 16:44:49
Why Does Paulson Want Us to Keep Piling up Debt?
Bailout Nation turns to consumers today, as Treasury Secretary Henry Paulson prepares to announce a new program to encourage lending for auto loans, ... to complain when consumers finally get their turn. I know we need to get credit moving to help the economy ... the last decade piling up debt, taking out equity from their homes to spend [more...]
Date: 2008-11-25 14:40:19
FHA chatter; News from MERS, Wells, Flagstar; Home price index not as bad as feared
As my grandfather used to say, “If you find yourself in a hole, the first thing to do is stop digging.”* Apparently the folks at Sunwest Bank , out of Tustin, CA, felt the same way. Clients received a letter saying, “I regret to inform you that as of October 2, 2009, Sunwest Bank will be suspending its mortgage banking operations. [more...]
Date: 2009-09-29 19:04:07
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
Learn About Interest Rate Only Mortgages Before You Borrow
by Dominic K. Kimbell In the traditional mortgage mortgage market, you pay a part of your loan, and the monthly interest with each monthly mortgage payment you make. At least, that?s how it used to work. But there exist now new types of mortgages that only pay the interest. The home owner can decide how much to pay each month, as long as he pays an amount that will satisfy the interest, and does not change the loan balance. [more...]
Date: 2009-09-29 17:15:43
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
First-time buyers squeezed as mortgage approvals hit new low
The average deposit put down by first-time buyers in November climbed to its highest level since records began, figures showed today, ... of the credit crunch. The 100% loans that were available to borrowers at the beginning of last year ... % to put down and targeting their best deals at those with more than 40% equity. The difficulty [more...]
Date: 2009-01-15 10:20:15
Grim picture for retail, housing and industry as recession takes hold
Britain's descent into full-blown recession was highlighted yesterday after the loss of more than 3,300 jobs across the economy was followed by three grim surveys chronicling savage retrenchment in housing, retailing, manufacturing and services. Amid fears that 2009 could see the biggest fall in output in any year since the war, [more...]
Date: 2009-01-13 00:08:27
Note to Obama, Congress on green stimulus, part 1
By Joseph Romm The green stimulus is beginning to take shape with mostly good stuff in the stocking, except one big lump of coal. The package is getting bigger -- no surprise. The Washington Post writes: Congressional leaders and Obama advisers are looking at including as much as $25 billion of energy tax credits in the economic stimulus package [more...]
Date: 2009-01-14 08:28:08
Free lunch? - What does UK government funding mean to startups?
This is a guest post by Nick Halstead, CEO and founder of fav.or.it As I am in the midst of raising another round of funding for fav.or ... your Intellectual Property. The problem though is that since the beginning of the credit crunch the Banks ... up to £1.3bn of new lending by banks.’ However, there is one BIG problem, the banks still do not want [more...]
Date: 2009-01-15 09:25:59
Refinancing vs Line of Credit
Refinancing vs line of credit are two popular options you have when deciding the best way to take equity out of your home. Sometimes it makes sense to establish a line of credit. But in other situations it’s better to get a cash back refinance mortgage loan. You can find out which loan is best for your situation by doing some simple math [more...]
Date: 2009-01-09 03:29:21
Citigroup Pieces For Sale, Starting With Smith Barney
Citigroup is likely to be broken up. The New York Times highlights the story in Rubin Leaving Citigroup; Smith Barney for Sale.Citigroup signaled a breakup of its unwieldy financial supermarket model with a possible deal to sell a share of its prized retail brokerage business to Morgan Stanley, said several people with knowledge of the discussions, [more...]
Date: 2009-01-10 09:22:00
Government Intervention in Foreclosure
This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire legal counsel. Call your local state bar association for a referral. Reduced or free legal aid may be available in some states [more...]
Date: 2009-01-07 07:00:13
Asset and Income Rentals - Borrowing Trouble at Usurous Rates
This was originally published in 2005, but is one facet of the meltdown that is still going on, unfortunately ... it up over a period of time, or they want to know where and how you got it. Most loans should not require a large amount of assets - A paper loans, the best loans of all, want one to two months Principal [more...]
Date: 2009-01-15 14:46:07
One in 54 Homes Entered Foreclosure in 2008
One in 54 Homes Entered Foreclosure in 2008 Some interesting new statistics were published this morning regarding the state of the housing market ... stated-income loans. "Clearly the foreclosure programs implemented to date have not had any real ... in a statement. Like the troubled loans they are meant to fix, modification plans can include complex [more...]
Date: 2009-01-15 22:44:59
20 Questions for the Secretary-Designate
In preparation for Secretary of Education-Designate Arne Duncan's confirmation hearing in the Senate tomorrow, ... to improve student achievement and narrow achievement gaps? How should the federal government be involved ... use of static test scores or do you favor a model that compares individual student growth from year [more...]
Date: 2009-01-12 18:37:34
Weighted Average Cost of Capital Doesn't Include Everything
Or: Figures don't lie, but Liars Sure do Figure! We've got a lot of people with loans in the low fives, interest rate wise, ... : $350,000 first at 5.25% $100,000 second at 8.5% $50,000 consumer debt at 12% This person then used ... that there's enough equity in the property to absorb the full amount of excess debt without PMI. Robert [more...]
Date: 2009-01-11 17:50:23
Mortgage-backed insecurities
If you don’t have enough down payment money to qualify for a traditional mortgage, the government forces you to buy mortgage insurance ... with little (or nothing) down, you may soon be in negative equity. This is the case with about ten ... can only lend 80% of the value of a home without it, you can imagine how many loans fell [more...]
Date: 2009-01-15 02:31:53
Analysts Agree: NovaGold Must Raise Equity or Sell Assets
With the suspension of the Rock Creek mine and a dwindling cash position, analysts are increasingly worried about NovaGold Resources Inc.'s (NG) financial outlook. The company has a $20-million bridge loan payment due on Dec. 29th. In order to cover all of its debt repayment, working capital and exploration expenses, RBC Capital Markets [more...]
Date: 2008-11-25 20:06:15
FHA Mortgage Insurance Fund Down 40%
Mortgage Law Central reports today on FHA’s Oversight Capability. The House Committee on Financial Services held a hearing to look into the recent Business Week story alleging that predatory lenders are alive and well originating FHA loans. The committee listened to testimony from HUD on the approval process for FHA lenders, [more...]
Date: 2009-01-14 22:30:06
Become Familiar with Mortgage Refinance
by Madeline Hernandez Below I have mentioned some terms you may want to become familiar with to help increase your knowledge and help you become ... and Commercial Loans and Mortgage Refinance options, ARMS, Balloons etc. I was just getting started ... , the difference between Conduit and Mezzanine Loans, and so on. Most importantly, you had to find [more...]
Date: 2009-01-15 23:21:15
Lennar sues ex-con who questions O.C. exec’s mortgage
Jaffe (Register photo) Lennar Corp. said today it added an ex-con who became a fraud detective to an existing federal lawsuit, ... since it comes on top of about $5 million in existing debt on the property. He intimates that the loan could be a “disguised kick-back” by mortgage broker Robert Venneri, possibly because Lennar [more...]
Date: 2009-01-15 01:56:17
Brown's hi-tech gamble on a new "Labour 3i"
All the headlines are focusing on the business loans guarantee scheme, ... . "We will buy shares in hi-tech companies that have a viable future sot hat they can transfer debt into equity ... it grow, I would like to see it extended. Not because I believe debt or credit are wrong, of course [more...]
Date: 2009-01-14 14:05:43
Select the Best Refinance Lender to Save Money
Replacing, refunding or repaying any new equity or debt or a combination of both is referred to as refinancing ... things that you must know while you approach best refinance lenders are: 1. Objective for mortgage refinance - Consolidation of bills or debts, to pay off your mortgage loan faster, lowering the hoemploy [more...]
Date: 2009-01-02 06:03:30
Rethinking The Early Mortgage Payoff
By Julie Rains The borrow-at-a-low-interest-rate-and-invest-to-get-greater-returns mentality was so embedded in our ... mortgage payoff question is: if you weren't using your money to pay off the mortgage, what would you be using the money for? Here are some alternative uses of extra cash: Pay off non-mortgage debt [more...]
Date: 2009-01-09 15:41:42
Malaysia will go into a technical recession
KUALA LUMPUR, Jan 13 — Citigroup Global Market forecast that Malaysia will go into a technical recession likely in fourth quarter of 2008 and first ... the period from January to June this year based on the equity of the financial system which exceeds 13 per cent, total liquidity which is in billions of ringgit and the low non-performing loan (NPL) [more...]
Date: 2009-01-08 04:06:32
Detroit Auto Show: Sen. Corker visits the Big Three
The final press day at the North American International Auto Show is usually a quiet one, ... of its receiving authorization for $9.7 billion in federal loans. After that, GM's head of design, Ed ... that, in fact, Congress never passed legislation on loans and the White House was forced to act). "I wish [more...]
Date: 2009-01-13 22:48:44
Economics 101
by Alan R. Bechtold A lot of people seem to believe a “hands-off” approach is best when it comes to government and business. I must enthusiastically disagree. I run a business and routinely earn a solid income with that business that consistently places me in the top 1-5% of the U.S. per capita average income [more...]
Date: 2009-01-15 22:41:55
My Predictions for 2009… and What I Got Wrong in 2008
Hi Guys, Happy New Year! It’s been a while since we last caught up. I hope you are well and that you had a wonderful holiday and a very happy New Year. I was on vacation for the holidays. We had a terrific break. We took our three boys to Disney World. What a treat! We go once a year usually around President’s Day weekend [more...]
Date: 2009-01-06 21:43:37
Bank of America Needs America’s Money
Ongoing chatter about the health of Steve Jobs aside, the focus, once again, is on the banking industry, ... and additional funds set aside for credit losses. But J.P. Morgan shares rose 49 cents to $26.40 a share, as this report was viewed as a bit better than anticipated. The same cannot be said for Bank of America [more...]
Date: 2009-01-15 15:20:40
How To Protect Your Home Equity Lines of Credit (HELOC) From Being Frozen: Max It Out?
When I bought our house, I considered setting up a home equity line of credit (HELOC) for primarily for emergencies ... as their primary emergency fund. However, these days with loan-to-value ratios skyrocketing and lenders ... go up significantly, you can just pay back the loan. Now, maxing out your HELOC may lower your credit [more...]
Date: 2009-01-12 11:55:11
DUF, EVR, GHL, LAZ, SNV, SQNM, PSDV, LAMR Popular Stocks
U.S. stocks traded mixed Tuesday, with the Dow Jones Industrial Average down 22 points to 9768, the Nasdaq Composite sliding 3 points to 2127 but the S&P 500 rose bellow one point to 1063.M&A activity has troughed, Collins Stewart said it started coverage of investment banks Duff & Phelps Corp. (NYSE:DUF, $19.26, -$0.29, -1.48%), Evercore Partners Inc. (NYSE:EVR, $29.60, -$0.29, -0.98%) and Greenhill & Co. (NYSE:GHL, $92.41, +$4.00, 4.52%) at hold and Lazard Ltd. (NYSE:LAZ, $42.32, +$2.37, 5.93%) at buy. [more...]
Date: 2009-09-29 19:06:22
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
In Defense of Friction
When automobile manufacturers struggle to squeeze as many miles per gallon as possible out of their car designs, any feature of the design that impedes the forward motion of the vehicle--friction, or air resistance--is the enemy. The aim is to design a vehicle that uses every ounce of fuel to move the car forward as efficiently as possible [more...]
Date: 2009-01-14 19:18:18
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
What The Rise And Fall In Housing Has Done
The Ventura County Star reports from California. “Thousands of Ventura County residents were pushed out of their homes last year, and many more were left hanging on by a thread — a situation exacerbated by mounting job losses. In Ventura County, December foreclosure filings surged 37 percent from November and 97 percent from a year ago, [more...]
Date: 2009-01-15 18:16:59
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
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