Benefits Of Student Loan Consolidation
If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!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 14:26:36
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Households Cut Back While Government Debt Grows
Kurt Brouwer submits: During this recession, Americans are paying down their mortgages, paying off car and truck loans and moving back to old fashioned thrift. And, yet, despite all the cutbacks on the part of Americans, the country’s debt load has gone up due primarily to government borrowing. Yet, even with all the new government debt, the country’s headlong race into indebtedness has slowed considerably: Complete Story » [more...]
Date: 2009-09-29 07:43:28
ScamBuste 286
NOTIFICATION OF PAYMENT VIA ATM CARD This is to officially inform you that we have verified your contract/inheritance file presently on my desk, and I found out that you have not fulfilling the obligations giving to you in respect to your contract payment. Secondly, you are hereby advised to stop dealing with some non-officials in the bank as this is an illegal act and will have to stop if you so wish to receive your payment immediately. [more...]
Date: 2009-09-29 08:54:51
Maximize Your Business With Municipal Lease Tools – A Tax Available Investment funds
Tight operating and greatest budgets – this is what, faced by most of the world sector organisations. The entirely product reviews which can be saw as the origin of funds and the some that provides some improvements is the utility budget. Most of the companies opt for the performance contracts that guarantee the performance of the equipment goes set up. Typically, it is the cost of the took equipment or project that is goes paying from the savings from the project. [more...]
Date: 2009-09-29 04:14:01
Reform the Market for Ratings Agencies
Kevin Drum wonders what can be done about the ratings agencies: Beyond that, I’m also a bit flummoxed about what the answer to the ratings agency problem might be. There’s probably a reasonable regulatory solution for fraud and negligence, but there seems to be wide agreement that the real problem is incentives : since issuers are the ones paying for ratings, it’s inevitable that agencies are going to lean into the wind to provide ratings the issuers like. [more...]
Date: 2009-09-29 14:14:11
Student Loan Consolidation
by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]
Date: 2009-09-29 14:56:40
Benefits Of Student Loan Consolidation
by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]
Date: 2009-09-29 14:34:45
How to Improve Your Credit Score When Paying Down Debt
Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]
Date: 2009-09-29 11:00:28
Uncle Sam
To be fair, illustrating the personal finance page is a difficult and thankless job. Being asked, week after week, to draw a picture of abstract ideas like "the importance of maximizing your 401(k) contribution" -- on deadline -- is not an easy task. There are only so many giant piggy banks, ladders and staircases one can get away with. [more...]
Date: 2009-01-10 00:26:08
Five Easy Ways to Use a Budget to Pay Off Debt in a Hurry
Five Easy Ways to Use a Budget to Pay Off Debt in a Hurry by Sean PayneIf you’re in debt, you may not comprehend exactly why. It’s pretty common for people who owe lots of money to not understand exactly what caused them to be in that situation. But, as somebody who has been in debt (and finally gotten out of debt), I can give you a good guess as to the reason why you’re in debt.You’re in debt because you don’t budget. You either don’t have one, or you don’t use it. [more...]
Date: 2009-09-28 18:20:36
I WANNA A NEW DRUG... ONE THAT WON'T MAKE ME SICK
Some may say this is a bit of a rant, but I believe it needs to be said, and it's my blog, so I will say it ... 2. Credit card debt is at an all-time, unsustainable high 3. The banking industry is in total meltdown ... and wait to see what happens? I'd like to offer another alternative... Pay Attention! Each [more...]
Date: 2009-01-15 15:52:31
Euro Telecom Giants Swap Numbers, Agree Mega Merger
Euro Telecom Giants Swap Numbers, Agree Mega Merger by Martin Denholm, Senior Editor It’s Friday night… French telecom firm Orange is standing at one corner of the bar, sipping a fine Bordeaux. Its German rival T-Mobile is propped up at the other, slugging down a hearty Hefeweizen. Their eyes lock. The deal is on. Before you know it, the two have swapped numbers and arranged to get together. [more...]
Date: 2009-09-29 20:54:03
Credit Rating Agencies
The WSJ ran an editorial the other day arguing against the New York Fed’s proposal to create a central clearinghouse for credit default swap ... : Me: I could see why a million little shops analyzing debt and selling their analysis could make sense ... s clearly a legit problem. But what is the point of them for the private sector. Why are their opinions [more...]
Date: 2009-01-16 00:21:02
To embargo or not to embargo
Full disclosure. I like Cuban cigars and on occasion risk possible prosecution by ordering a few of them on the Internet ... stopped payment on all its foreign commercial and bilateral debt with non-socialist countries in 1986." disclosed U.S. International Trade Commission Report in 2001. "Debt talks between Cuba [more...]
Date: 2009-01-14 18:00:10
Mortgage Calculators Can Help You With Valuable Mortgage Calculations
Mortgage calculators can offer you with useful loan mortgage calculations. A high-quality loan calculator will allow you to make well-informed decision on your mortgage loan whether you plan to purchase a new home, thinking about refinancing a present mortgage loan or just want to be familiar with what your mortgage loan alternatives are. It is extremely significant to take crucial mortgage loan decisions on accurate calculations. Nearly all loan calculators will allow you to achieve that. [more...]
Date: 2009-09-29 18:15:56
Steady Diet of Chinese Currency
by The Mogambo Guru I keep watching the steady march of China towards world domination, and their currency (the yuan) ... like I do every time some dirtbag country starts getting uppity like they are going to begin paying us back ... , the inflationary implications caused by such cost-push factors are eliminated! Inflation goes down [more...]
Date: 2009-01-06 21:30:34
The Poverty Business
Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]
Date: 2009-01-15 00:45:24
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
Avoiding Bankruptcy
Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]
Date: 2009-01-16 02:11:52
STICK TO YOUR GUNS, PEOPLE!
From the front page in today’s Wall Street Journal comes, Big Slide in 401(k)s Spurs Calls for Change. Here’s a quotes (WARNING: some of this might make you mad): The stock-market rout has ignited a crisis of confidence for millions of Americans who manage their own retirement savings through 401(k) plans [more...]
Date: 2009-01-08 17:10:19
How to Replace Bad Financial Habits With Good Ones
This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking ... stem from our financial habits. Bad financial habits lead to overspending, too much debt, a house [more...]
Date: 2009-01-14 13:00:09
The Massachusetts Mess
By The Honorable Arlene Wohlgemuth News coming out of the Massachusetts experiment with “socialized medicine lite” – the combination of insurance coverage that is free, subsidized, or mandatory to make it near universal – continues to be distressing for reasons other than the predictable, ever-escalating cost to the state [more...]
Date: 2009-01-15 19:10:42
Liberals seek health-care access for illegals
By Stephen Dinan / Washington TimesFearful that they’re losing ground on immigration and health care, a group of Houseassociated press Rep. Michael M. Honda, California Democrat, is one of the 20-plus Democrats who are calling for health coverage of illegal immigrants.Democrats is pushing back and arguing that any health care bill should extend to all legal immigrants and allow illegal immigrants some access. [more...]
Date: 2009-09-29 03:09:58
Personal Finance Tips
by Jim Parker Do you know the best way to financial freedom and wealth? You might be surprised at the simple things you can do to be just like them ... finance. Personal finance includes topics like budgeting, retirement, savings and debt management ... you end up with debt. To gain balance in your personal finances you need to be debt free. This comes [more...]
Date: 2009-01-15 20:01:49
Financial Forecast for 2009, Considering Resource Limitations
In this post, I consider some major issues contributing to our current financial problems, before making a financial forecast for 2009. These are 1 ... from the bottom: Layer 1. Household Debt (Mortgages, auto loans, credit card debt, student loans ... debt-based financial system operating. 3. Where we are now, and the role reduced resources [more...]
Date: 2009-01-06 15:10:32
10 Ways to Get Out of Debt on the Road to Financial Freedom
Debt is a word that has many negative connotations attached to it simply because it is the number one reason the vast majority of people are facing ... to into debt. Banks, mortgage lenders, credit card companies, pay day loan services, and car loan ... you are working your way out of debt. 4. Credit Cards – Credit card debt is a leading cause [more...]
Date: 2009-01-16 00:24:23
Hanging In There Ain’t Much Comfort When You’re Near the Top of The Range
Published this intro to the RevolutioNewsletter for subscribers on Monday…you can sign up to get these newsletter intro’s which I sometimes publish ... stocks, the best secular growers, the companies with no debt and tons of cash when (if) the market gets ... from the government paying off all the worthless contracts the company stupidly bought from AIG [more...]
Date: 2009-01-15 12:20:19
Big Money
The start of a new year is when a lot of people resolve to get their financial houses in order. And we can certainly be counted among them ... out what we can stick with for the next year. Our goal: eliminate all consumer debt by the end of 2009 ... with the big one: Twenty Thousand Dollars. That’s what we started 2009 owing in consumer debt [more...]
Date: 2009-01-14 19:31:45
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
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
Collection 101: Collecting for Your Start-Up
By Larry Chiang Congrats on getting to $900k in revenue, getting an angel round done and avoiding the 9 VCs you don’t wanna meet ... of Sales they should definitely be calling to collect. Compartmentalizing the collection by leaving it to a sole administrator is dooming your collection effort to fail. If the CEO won’t call, email [more...]
Date: 2009-01-06 17:53:48
The Power of Less by Leo Babauta: Zen for the rest of us
The Power of Less: the fine art of limiting yourself to the essential … in business and in life, by Leo Babauta, ... his life (lose 42 lbs, quit smoking, write 3 books, eliminate all debt, quit day job to work at home ... Principles of Simple Productivity” and will help you implement tips from ZenHabits by showing you where [more...]
Date: 2009-01-15 20:12:51
Home Improvement & Marketing To Survive The Recession
The global economic situation is not that fantastic at the moment but how can you make things better for yourself ... , it might be worth trying paying off large amounts to clear your debt more quickly. If you already own ... or for the good of your home and family. Simple rules like minimising the amount of debt [more...]
Date: 2009-01-14 19:48:12
A big pile of rubbish
An officer of the SA Police Service pulled me over on a busy thoroughfare recently ... who was wheeling a large wheelbarrow down the road – not on the pavement as it would not fit there – ... trundling his humble gatherings down the road, even if he did pose a danger to traffic?Well, it might [more...]
Date: 2009-01-14 19:20:00
The Cubs
With all the support and encouragement I got to buy the team, I think its appropriate to share the decision making process behind what happened and why. Buying the Cubs was a unique opportunity to own one of the most storied franchises in sports. Its a team that represents so much to so many, with such a unique legacy, [more...]
Date: 2009-01-06 14:27:43
Tests on TV downloads, farmers’ debts
(NOTE TO READERS: A wave of computer glitches delayed this report on Monday’s orders by the Supreme Court.) ————— Barack Obama brought presidential campaigning fully into the Internet Age with digital creativity during his run for the White House. Now, [more...]
Date: 2009-01-13 00:51:38
Troll Hall of Fame: Bryan
Bryan used to troll around Pushing Rope and Tas's defunct blog Loaded Mouth. Tas and I took great joy in mocking Bryan ... ? Cutting programs for the needy and driving the state in debt is not sound policy. Crist balked ... paying for current growth management, then why is there a current surplus? The housing bubble [more...]
Date: 2009-01-15 20:24:52
The Citi Never Sleeps - Only its Board, Risk Managers and Regulators
The Citigroup of the past decade is THE shining example of an array of costly failures: accounting policies; business strategies; management compensation schemes; risk management practices; and Government policies. And now we see that Citigroup is doing badly; more badly, in fact, than many thought likely. Rubin is out [more...]
Date: 2009-01-08 16:07:45
The Dividend Dilemma
Obama said he will order the Treasury Department to limit dividends paid by commercial banks and investment banks that receive “exceptional assistance” from the government to “de minimis amounts”. That order will not likely receive any ... receiving “extensive assistance” and are also the primary sources of a large portion (perhaps [more...]
Date: 2009-01-15 16:35:17
NEWS WIRE: Uganda: Interest rates still high despite competition
Source: Daily Monitor. Original news wire here. Competition for customers and space in urban areas heightened, this year, ... by Bank of Uganda, United Bank for Africa (UBA) and Equity Bank from Kenya which bought 100 per ... shop in Kampala last year and Global Trust Bank from Nigeria. Equity’s takeover widened [more...]
Date: 2009-01-15 05:01:33
My implant hell, or how I spent £7,000 in the name of vanity*
Finally, the wait is over. After two and a half years of monthly dental treatment, financed by the sale of three kidneys (one each from me and the kids) and a second mortgage, my teeth are now complete. I now have Tom Cruise’s stature AND his smile, and now must only find myself a Hollywood wife, [more...]
Date: 2009-01-15 18:03:10
Yahoo stock: Still not worth it
Yahoo CEO Jerry Yang is stepping down and Carol Bartz has taken the reins as the company's new CEO. Most hope that she can fix Yahoo and return it to the place of dominance it once enjoyed. Or failing that, at least move it back into favor with shareholders. This will be difficult [more...]
Date: 2009-01-15 12:00:00
The Shelf Life of States of the State
It's a big speech. But if you're the person delivering it, it may not be so fun to go back and examine the words that don't feel quite the same with the passing of time. This morning, Governor Schwarzenegger delivers his sixth State of the State address from the Assembly chambers. ( [more...]
Date: 2009-01-15 01:09:15
Dave Ramsey's Baby Steps
On Tuesday I talked about melting away your debt snowball ... for getting out of debt. This will just be an overview of the steps, I'll go deeper in depth with them ... freedom. Step 0 - No More Debt While not an official step, you need to swear off debt if you're going [more...]
Date: 2009-01-16 02:59:00
A Further Critique of Romer and Romer
by cactusA Further Critique of Romer and RomerLet's take another look at the main Romer and Romer findings, namely that under some circumstances, tax cuts are good for economic growth. In the past I noted I have a few problems with it, but I thought I'd let the Romers work speak for itself as much as possible when making this critique [more...]
Date: 2009-01-13 11:27:00
PLAN's Plan: Reforming Nevada's Regressive Tax Structure
At some point in the very near future we can easily expect the stalwart defenders of Hooverism to emerge from the Nevada brush and cry out that "We can't raise taxes during a recession!" Of course, they also cried out that we could not possibly raise taxes during more prosperous times lest we jinx our progress [more...]
Date: 2009-01-14 19:37:00
Getting Out of Credit Card Debt; You Can Do It!
Imagine a life without credit card debt. Can you see it? If you’re like many average families, you may have a hard time getting a clear picture ... paychecks. The important truth to know, however, is that it is possible to get out of credit card debt ... of action and some strong resolve to get started on the path to a life without credit card debt [more...]
Date: 2009-01-15 13:08:27
TREASURIES MAY MAKE US WAIT
“The two most powerful warriors are patience and time ... of U.S. Treasuries. I've suggested that both governments might be losing their appetites for U.S. debt for several ... are experiencing severe recessions, and their ability to fund U.S. debt has been curtailed.4. Both Japan [more...]
Date: 2009-01-15 20:48:00
The Baddest Bank in the West
Give us Madoff! Give us Madoff! "Oil rises to $39 on Bernanke comments..." "Asian stocks rise after Bernanke remarks..." When they turned out the lights and closed the doors in New York last night, the Dow had lost 25 points and oil had gone down to $37. But this morning, investors seem to be feeling better about things [more...]
Date: 2009-01-15 04:51:36
Bankruptcy Is Not The End
During economic downturns such as the one we are experiencing, ... of bankruptcy, companies as well have to worry about whether they can keep paying the bills ... having to resort to filing for protection. These companies may also allow you to settle out of court [more...]
Date: 2009-01-15 03:32:03
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