FTC Helps With Your New Years Resolution to Manage Debt

Information from the Federal Trade Commission to Help You Manage Debt: Knee Deep in Debt Having trouble paying your bills? ... , consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt negotiation is yet another option. How do you know which [more...]

Date: 2008-12-30 17:45:34

Blog posts (129) | Videos (43)
 

Want to Consolidate a Student Loan?

Just finished school and now it’s time to start paying on those Student loans fall into two categories. 1 ... consolidation services. A federally funded student loan also cannot be consolidated with credit card debt. If you are considering consolidation of your student loans, gathering the appropriate [more...]

Date: 2009-01-08 02:29:44

Are there any disadvantages to getting a consolidation loan?

YES, there could be. Consolidation is used as a debt management tool and is ideal for those who are having difficulty making their monthly payments ... market at the wrong time. If you happen to consolidate your federal loans when the interest rate is high than you are stuck with that rate. You can not consolidate your loans again at a later date [more...]

Date: 2008-12-29 21:46:40

Important News for College Graduates

Attention recent college graduates: starting July 1st, ... loan consolidation program. All borrowers with non-consolidation federal student loans that were ... percent can save big money by refinancing their debt after July 1st of this year [more...]

Date: 2008-06-10 20:30:00

Five Reason To Get Primary Liability In Truck Insurance Coverage

by katie George The goods movement through road is always increasing within state or inter-state level ... from huge losses some time. About the Author: Debt Consolidation ... occurs. 2. The primary liability coverage is made compulsory by state and federal agency [more...]

Date: 2009-01-05 16:40:03

How To Pay Down $83,306.89 in Student Loans

I have been out of college for about 2.5 years now and made a little bit of progress on my private student loan ... from you) against my private consolidation loan. So the goal is looking at a minimum of $16,800 going ... but not impossible. How are your numbers looking for student loan debt remaining? Private or federal [more...]

Date: 2009-01-07 20:00:00

Recession Not Through With Us Yet

While it may seem that the nation's economy is taking a turn for the better and strides toward the positive are being made, the recession times we have been experiencing are not exactly over. With so many people starting to regain confidence in their personal finances again with just the glimmer of hope we are seeing, this is not the time to cease and desist our frugal ways. No Concrete Evidence Some of the crisis has been downgraded but there is still no solid evident of a full recovery. [more...]

Date: 2009-09-22 20:02:29

Can Collection Agencies Sue Me For Outstanding Debt?

Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]

Date: 2009-09-29 11:34:48

US dollar set to be eclipsed, World Bank president predicts

Flashback: Bilderberg Wants Global Currency Now | Dollar to fall under scrutiny at G20 summit | IMF approves $13bn gold sale to boost lending fund | UN wants new global currency to replace dollar | G20 agrees to continue economic stimulus measures; Geithner shops international reserve accord | China Set to Buy $50 Billion in IMF Notes | Medvedev Unveils “World Currency” Coin At G8 | China calls anew for super-sovereign currency | No one talking about dumping dollar: China minister [more...]

Date: 2009-09-28 23:29:59

ScamBuster 283

Anti-Terrorism And Financial Crimes Division. Federal Bureau Of Investigation. J. Edgar. Hoover Building, Washington D.C Telephone Number: (206) 333 - 0715 ATTN: BENEFICIARY This is to Officially inform you that it has come to our notice and we have thoroughly completed and Investigated with the help of our Intelligence Monitoring Network System that you are having an illegal transaction with Impostors claiming to be Prof. Charles C. Soludo of the Central Bank Of Nigeria, Mr. [more...]

Date: 2009-09-26 10:54:50

Medical Expenses A Common Cause Of Bankruptcy

The following guest post was submitted by Kevin, web content writer for Resqdebt.com. For more helpful tips on how to save money and stay out of debt, visit Resqdebt’s website at www.resqdebt.com . When Americans think of a person trapped in enormous amounts of debt, inevitably they think of irresponsibility. They think of fast cars and fancy stereo equipment. They think of people living the high life who could not afford it. In short, they think of a deadbeat. [more...]

Date: 2009-09-25 10:00:13

G20 nations meet as protests flare on issue of international banking regulation

Again, the summit is being presented as a way to get the bankers, when it is in fact a further centralization of banking power. The picture below tells you much of what you need to know about the G20. And for new readers, it’s not that banks are inherently bad. But at the international level, economies are being governed now by a syndicate of privately held central banks that operate above the law and print money with which to acquire real equity. [more...]

Date: 2009-09-24 22:35:28

“CONTROLLED DISINTEGRATION” Now Out of Their Control.

you really want to read a truly shocking bit of information then please read, if you can find it, the 1970s “white paper” published by the CFR entitled “1980s Project”. In it there is a description of what they called “Controlled Disintegration” which precisely laid out a plan to basically bring about a global economic crisis for the sole purpose of gaining far more control over the global market place and the population. [more...]

Date: 2009-09-26 14:17:21

Top 10 at 10: Ralph Norris among world’s best paid bank CEOs; Volcker hammers Obama; Dilbert

Here are my Top 10 links from around the Internet at 10am. I welcome your additions and comments in the comments below or please send suggestions for Monday’s Top 10 at 10 to bernard.hickey@interest.co.nz We don’t do camping at interest.co.nz… 1.  It’s starting - The exit strategy has begun. Overnight the US Federal Reserve, the Bank of England, the Swiss National Bank and the European Central Bank announced plans to withdraw US dollar injections from early 2010, Reuters reported. [more...]

Date: 2009-09-24 22:30:56

The Fed Speaks, the Market Disses…

The Stock Market Doesn’t Believe The Fed Chariman Yesterday, I opened up msn.com and right on the home page there was a picture of crazy Ben Bernanke and a headline “Fed Sees Signs Of Improving Economy.” Of course, this was released just minutes after the FOMC meeting ended. The funny thing is, directly below that was the market ticker, and all 3 major US indicies were in the toilet. I have a snapshot of the image on my computer at work, and I’m going to post it here in a bit. [more...]

Date: 2009-09-24 17:04:31

Dollar to fall under scrutiny at G20 summit

Apparently the French Press is the only major media outlet that wants to address this issue. Under the pretext of correcting trade imbalances and aiding developing nations, The UNCTAD and Chinese proposals, below, would have the effect of getting SDR bonds into circulation by monetizing international debts, purchasing investments in local currencies, and so creating an international currency based on a floating basket of investments. [more...]

Date: 2009-09-24 21:18:13

Add Your Comment:

« PreviousAll unemployed people are equal, but some are more equal than others Next »New column: Bond bust ahead Misunderstanding the FDIC Posted by Justin FoxThursday, September 24, 2009 at 5:04 pm 11 Comments • Trackback (0) • Related Topics:bailouts, banks, regulation, FDIC Bloomberg's Jonathan Weil has an uncharacteristically boneheaded column about the FDIC's money troubles. He begins:The FDIC's insurance fund is going broke, and Sheila Bair is wondering aloud about how to replenish it. [more...]

Date: 2009-09-24 21:04:40

G20 decides to become world’s new ruling economic council

The new order of things has been announced. Magically, now “Deficits and trade imbalances are believed to have played a prominent role in plunging the global economy into a downward spiral.” No - it was derivatives and fraudulent leveraging of bad debt into the economy. But who cares about the truth, there’s a new agenda to begin this shell game of swapping currency reserves around the world to create a new defacto global reserve currency. [more...]

Date: 2009-09-25 16:09:33

Carney says G20 must stay the course on stimulus

Those reading the transcript of the interview may be surprised to discover that, for all the lip service Carney gives the US dollar, Canada holds 40% of its reserve currency stocks in Euros. Holding Euros is not recent - government reports online dating back to 1999 indicate at the time 24 million in Euro reserves were held. there was a coordinated attempt to prop up the Euro in 2000, an effort in which Canada was a player. In 2008, the figure was 238 million . Just a little history. [more...]

Date: 2009-09-25 15:36:08

Credit Card Issuers Growth Prospects From A Micro Level View

This is a guest post by Mr Credit Card from Mr Credit Card . Mr Credit Card has a review site full of credit card offers . Today, he is going to talk about insights from his perspective that might influence credit card issuers stock. If you are looking for a new card, check out his best credit card offer and deals section. Since the stock market hit its lows in March of 2009, it has been on a steady rise since (depending on when you read this post, things may be different off course). [more...]

Date: 2009-09-27 13:29:16

On top of that you are probably maxing out

On top of that, you are probably maxing out your credit cards. Let’s take a look at some common asked questions. However there are many conditions that need to be met in order for you to qualify for the best student consolidation loans. Sometimes these also result in interest rate reductions. Let’s take a look at the requirements and the advantages of getting the best student consolidation loans available. Before too long you are probably in debt over your head and can’t make the payments. [more...]

Date: 2009-09-27 12:59:42

Federal Student Loan Consolidation

by Norman Harris Consolidating federal student loans is an important decision to make after you graduate from college. Many students and graduates were forced to take out loans to fulfill their education. The costs incurred in order to graduate from school have been increasing for many years now. It is key to know how to handle your debt when you get out of college and into the real world. Take the time and read on to learn more about what you can do. [more...]

Date: 2009-09-24 07:56:54

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Consolidating Federal Student Loans

Consolidating Federal Student Loans by Norman HarrisAfter you graduate from college it is a very important step to consider is consolidating federal student loans. Most Americans are forced to take out federal loans when applying to college, because they just cant afford tuition on their own. Tuition costs have been increasing steadily over the years in order to receive your degree. Its important to have a handle of your debt that you have accumulated by taking out these student loans. [more...]

Date: 2009-09-23 11:43:13

Getting help with Obama’s Loan Modification & Mortgage Refinance Plan

Amazon.de Widgets US People can come out from worried situation by getting US President Barack Obama’s bailout plan. This plan brings hope among worried homeowners. It is consider as the best solution to stop foreclosure rates. But some questions arises i.e., is this plan really the solution for debt problems? Is this solution for loan modification? Will the bailout plan does what it promises for loan modification.Due to economical crisis, many homeowners have been suffering from critical problems. [more...]

Date: 2009-09-25 13:56:23

Federal Government’s Loan Modification Program Gives 75 Billion Dollars to Prevent Home Foreclosures

There are up to five million people in the United States who may have their homes saved through the new loan modification program created by the Federal Government. Obama has put 75 billion dollars into this program to prevent these homes from going into foreclosure. That being said, there are also skeptics who believe that the same thing will happen with this program as the other similar ones being that over half of the houses were still taken back by the financial institute. [more...]

Date: 2009-09-24 16:13:27

7 Don’ts for Fiscal Freshmen

( This is a guest article by Jack Busch* ) As a student, your financial picture is a bit unique. You have few assets and few hours to devote to a job, thus little income. You have little credit history (good or bad) but some limited access to revolving credit and other loans. Because of this, the years between matriculation and graduation are somewhat of a testing ground for your creditworthiness. [more...]

Date: 2009-09-23 08:59:15

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

More than Just Words

by Delegate Christopher Peace (VA-97th) The following is excerpted from a speech given at a recent event sponsored by the King William Republican Committee While I am an elected Republican, I want to try to address tonight’s subject from a bi-partisan position: as an American and a Virginian. I am also a constitutionalist and I believe in this great Union. [more...]

Date: 2009-09-25 10:27:23

Weekend Conspiracy Theory - Can You Stomach It?

A: Are we all just pawns in a bigger chess game? I'm not one to buy into conspiracies, but this read is just too crazy, given what we know of today's credit/financial crisis and how it has evolved from dynamics/products such as counterparty risk, credit default swaps, complex derivatives - mortgage backed securities, corporate bonds, [more...]

Date: 2008-10-18 22:54:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Benefits Of Student Loan Consolidation

September 29, 2009 | By Layla Vanderbilt In Finance | by Layla VanderbiltAre you having difficulties making your monthly payments for the student loans that you have availed of? If you are facing some financial problem due to which you are unable to service your loan, you should go for student loan consolidation. Whether your financial miseries are due to poor credit score, possibility of forbearance or deferment, loan consolidation is a way out of your financial mess. [more...]

Date: 2009-09-29 14:35:03

U.S. NEWS : Debt Consolidation Loans for Credit Card Debt - Unsecured Debt Consolidation

Amazon.de Widgets Debt Consolidation LoansOnce you find yourself being approved for a debt consolidation loans than you are going to be able to figure out exactly how much your total monthly payment is going to run you as well as for how long you are going to have to be paying it off to be debt free. The debt consolidation program that really have good success will usually aim to have you debt free in the span of three to four or so years typically. [more...]

Date: 2009-09-24 10:58:31

Debt Consolidation Companies Can Reduce Your Student Loan Debt

by Landon McGehee If you are a parent paying to send your child to college, or are currently trying to pay off your student loans, you understand how expensive college can be. Because it is so expensive, student loans are becoming more popular. With these loans come student debt consolidation services to help students manage this debt. Even if you are not studying abroad or going to graduate school, chances are you will graduate with more debt than students a generation ago. [more...]

Date: 2009-09-25 08:41:05

U.S. NEWS : Debt Consolidation Loans for Credit Card Debt – Unsecured Debt Consolidation

Debt Consolidation Loans Once you find yourself being approved for a debt consolidation loans than you are going to be able to figure out exactly how much your total monthly payment is going to run you as well as for how long you are going to have to be paying it off to be debt free. The debt consolidation program that really have good success will usually aim to have you debt free in the span of three to four or so years typically. [more...]

Date: 2009-09-24 10:40:43

What is 529 Plan

A college savings investment plan that offers significant tax breaks for its beneficiaries is referred to as a 529 plan . The 529 plan is so named after Section 529 of the Internal Revenue Service (IRS) US federal tax code. There are many advantages of this savings plan and it has become a popular way to save money for a child’s education. State tax code effects 529 plan State tax code may affect the 529 plan, and in each state differences will takes place. [more...]

Date: 2009-09-27 13:00:02

Thursday morning links

TOP STORIES European, Asian Markets Tumble; Nikkei Falls 11% - Washington Post Social Security benefits to take 5.8% jump in 2009 - USA Today New stimulus package might be next in federal effort to gird economy ... Consolidation, Asset Bubbles - Bloomberg California Boosts Note Sale as High Yields Attract Individuals [more...]

Date: 2008-10-16 13:18:00

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

Wall Street Breakfast: Must-Know News

Global markets drop, again. Korea's central bank lowered its key interest rate by an unprecedented 0 ... of forming a new company that could include a third automaker. While daunting in its complexity ... excluding debt, a 36% premium to Embarq's Friday close. The deal marks a significant step toward the much [more...]

Date: 2008-10-27 11:19:59

Small Business Administration - Financial Assistance

Our Fast Business Loan, unlike traditional bank loans, has less stringent requirements, faster approval, and no closing cost or fees ... Loans Business Loans Debt Consolidation Services Mortgage Loans Personal Loans Student Loans ... or for investment.Still, some investors in distressed debt, that a sign of a softening economy.That means every [more...]

Date: 2009-01-13 05:40:15

No More Investment Banks - Turn Them Into Public Utilities By Mike Whitney

Dandelion Salad By Mike Whitney October 18, 2008 “Information Clearinghouse“ “If you made it past the credit crisis, ... they couldn’t roll over their short term debt. Cargo ships were stuck in ports around the world because buyers couldn’t get Letters of Credit. As analyst John Mauldin said, “Just as the business [more...]

Date: 2008-10-20 00:38:25

Deals of the Day: Wachovia’s Terrible, Horrible, No-Good Quarter

By Stephen Grocer and Heidi N. Moore Deals of the Day includes all the major news of the morning related to mergers and acquisitions and financing ... forced the company to sell itself in four days, or else face bankruptcy. As they said in the movie “ ... that consolidation is almost inevitable in the retail sector over the coming year. Times of London [more...]

Date: 2008-10-22 13:30:42

In Latest Outlook, Sifma Split on Housing, Bailout Views

The yearlong U.S. recession will likely continue until mid-2009, a group representing hundreds of securities firms, ... favored federal loans over alternatives such as direct equity ownership. Of those members who favored loans, all also favored requiring conditions such as restructuring, consolidation and creditor [more...]

Date: 2008-12-15 11:05:00

Book Review: Killing Sacred Cows

Carnival of Twenty-Something Finances.  Be sure to check it out.  Next week I’ll be hosting the Carnival of Personal Finance ... One Family’s Debt Roundup Posts I found interesting this week. Wenchypoo’s “why we skip ... his ownership of CNN does influence what we perceive as the “economy”. NCN gives us the lowdown on “debt [more...]

Date: 2008-11-21 03:30:56

US Economy - A “perfect storm” of housing and lending events

First let me qualify this post. I am not an economist. However I do have more than the average “Bear Sterns” experience in the real estate world and lending. So here, I like to project some of my own theories as to the culmination of the US economy, turning a 180 because of the effects of what many like to call the subprime mortgage crisis [more...]

Date: 2008-09-23 01:20:23

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

A Page From Japan's Playbook? Bernanke Proposes "Floor" Under MBS Market

One of the widely criticized features of Japan's approach to its post-bubble crisis was that its regulators tried for some time to avoid the ... to nominal) value of the debt, there was no reason to expect the borrowers' ability to pay to improve ... to Freddie and Fannie debt, but to continue to provide some sort of prop to the MBS market. Note [more...]

Date: 2008-10-31 20:59:56

The Coming Great Depression

Martin Armstrong: The Coming Great Depression It is frustrating to read so many comparisons of our current situation with 1929 while watching ... may signal a recession, but the collapse in debt signals a Depression. This Depression was set ... and shifted spending that created jobs into the banks as interest on things like credit cards [more...]

Date: 2009-01-08 03:55:35

Gates of Vienna News Feed 10/8/2008

As of tonight the news feed has been up and running every day for three months (except for when I’ve been away).I’ve received a few complaints about it. Some readers don’t like to have to scroll through the headlines to get to the good stuff, and others don’t want me to waste space on American news stories which are being covered thoroughly [more...]

Date: 2008-10-09 03:43:00

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