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I don’t like debt

Piling of debts can lead to dangerous and often shameful situation. It’s very hard for me to handle more than one debt ... that are searching nor looking a reliable and excellent provider of debt consolidation? No Debt Today group all your credit card payments into a much reduced, onetime payment or they arrange [more...]

Date: 2008-11-24 11:04:56

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Money Monday, 1/12/09

TODAY! (she declared, boldly!) Is the first day of the rest of my life!! ... all these thousands and thousands of dollars needed to beef up the emergency fund, pay off the debts and perhaps even ... start turning my attention to the debts – because frankly, each of those I get paid off reduces how [more...]

Date: 2009-01-13 00:55:00


Fed Watch: Misguided Policies

Tim Duy: Misguided Policies, by Tim Duy: From the wires: 15: ... s economy. Policy would be best focused on supporting the inevitable transition away from debt ... , I find programs that purport to “help” homeowners by reducing their mortgage payments [more...]

Date: 2008-11-13 00:23:00


Jeb, popular with 60%, defended in NYT

Jeb Bush's former budget chief, Donna Arduin today responds to Bill Kristol's recent column questioning the government shrinking credentials of her old boss: During his eight years, Governor Bush reduced the number of state employees by 13,726 ... ; carrying out debt affordability measures; and privatizing services that are run more efficiently [more...]

Date: 2008-12-18 18:25:08


Retirement Investing During Deflation

 If a recession becomes severe, dollars may suffer from deflation rather than inflation ... by reducing payments or restructuring.   As deflation sets in you’re paying off debt ... in value (real estate, stocks, etc).   Most retirees have no job to lose. They’re living off Social [more...]

Date: 2009-01-14 17:25:11


AG urges Congress to changes to help distressed homeowners

Washington's Attorney General has joined 21 other attorneys general to encourage Congress to loosen bankruptcy rules in an effort to reduce home foreclosures. Current bankruptcy laws allow judges to readjust mortgage debt on vacation homes and farms, but not on primary residences. The attorneys general would like to see that changed [more...]

Date: 2009-01-07 22:13:01


Credit Repair Tips and Tricks

The best part about finding a third party credit counselor to tackle your credit repair is that you won’t feel so alone ... a larger portion of your available credit. Last off, look at getting what is known as “good debt,” ... , you should work at boosting your score to at least 700. Reduce your credit card balances down [more...]

Date: 2008-11-24 18:27:25


How to Live on $6,500 a Year and Love It

Show of hands: how many of you dream about moving to the country, growing your own food and living off the grid? ... and comfortably on $6,500 a year. They started with the snowball approach to debt: they worked as hard as possible to eliminate all debt, one loan at a time. After that, they got creative with reducing [more...]

Date: 2009-01-06 11:00:34


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


debt debt debt

A debt consolidation company will allow you to make minimum monthly payments. But your principal amount will not be reduced ... have expected, but not stellar by any means. Oh, yeah — any credit card debt forgiveness counts as income ... payment options. Check out this debt settlement company who has helped me with the unsecured debt [more...]

Date: 2008-09-29 12:40:58


Debt relief Deals “attack on the confidence of consumers”

How’d you to your monthly credit card payments and loans - guaranteed? ... said Carol creditors can lower their interest rates. Carol, who can pay their credit card, mortgages ... rate or reduce the amount you are liable. But beware! Some of these programs are debt relief Scams [more...]

Date: 2008-07-18 10:38:03


Impact of Credit Crisis on the Energy Industry - Where Are We Now?

I recently looked through news articles to see which energy sectors were being affected by the credit crisis ... related problems. One is reduced access to credit, making new borrowing difficult for nearly every business that requires debt. Prices for all commodities have been dropping as well. At least part [more...]

Date: 2008-11-30 13:00:54


So you can cut taxes and boost services

The following press release has just been sent out by Conservative run Hammersmith and Fulham Council in London: ... debt. More than £13 million of red tape is being cut in 2009/10 by reducing staff numbers, office space ... Grant settlement (RSG) which sets out central government funding for local authorities in 2009/10 [more...]

Date: 2008-11-26 12:18:52


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


Credit Spiral

So, say you’ve had a good relationship with a credit card company and been paying off substantially more than minimum payment over recent months ... from the credit card company saying they’re reducing your credit limit, right before Christmas. Would ... of our house leading to a less positive debt ratio report from a credit rating agency [more...]

Date: 2008-11-26 19:39:28


Keynesian economics

There is one situation where Keynesian economics work. I should add that as I am a Keynesian supporter in a crude way ... and creating the self-feeding cycles we often see. Savings also reduce the “booms” as people save “ ... just to buy what they did the year before and debt is then the way you buy washers, furniture [more...]

Date: 2009-01-14 22:02:21


How to Deleverage Balance Sheets

Bouncing around trading desks: Credit Suisse is using a novel approach to deleverage its balance sheet…using its illiquid assets to pay bonuses; ... its real! Credit Suisse Group AG’s investment bank has found a new way to reduce the risk of losses ... bonuses. The bank will use leveraged loans and commercial mortgage- backed debt [more...]

Date: 2008-12-18 19:00:02


Rite-Aid: Bewildering Optimism

When considering a company for investment purposes, investors must be wary of managements that over promise and under deliver ... release, management noted reduced profit expectations going forward from an already negative $500 ... % EBITDA increase over prior year (as if debt, taxes, and depreciation are meaningless, all of which [more...]

Date: 2009-01-14 13:53:19


Someone at Credit Suisse has a wicked sense of humor

It really is a thing of beauty (via Bloomberg): Credit Suisse Group AG's investment bank has found a new way to reduce the risk of losses from ... bonuses. The bank will use leveraged loans and commercial mortgage- backed debt, some of the securities ... compensation packages, people familiar with the matter said. The new policy applies only to managin [more...]

Date: 2008-12-18 22:08:35


Learn about debt consolidation.

Debt consolidation alternatives can help you get out from under your overwhelming debt that so many Americans are feeling today and have been ... I know people who have just gotten out of credit card debt just a little while ago, and it was a struggle ... these hard times become easier. Their services include: # Reduce Balances up to 50% - Save [more...]

Date: 2008-12-18 01:57:44


Top 5 ways to ease the strain on household finances

by katie George The onset of the global credit crunch across the UK last year, combined with the after effects of a series of interest rate rises, ... your debts. If you have a range of higher interest debt such as credit cards, store cards, and high ... consolidation loan, which can ease financial management as well as reduce your monthly outgoings. 2. [more...]

Date: 2008-12-15 21:12:10


Gazprom cuts gas deliveries via Ukraine

Gazprom has reduced deliveries of natural gas for transit through Ukraine, which would affect Western European customers, ... deal for 2009 and debt repayments failed late on New Year’s Eve. Around 80% of Russia’s gas ... the shortfall by deliberately cutting deliveries to Europe. With Ukraine’s gas debt to Russia from 2008 [more...]

Date: 2009-01-06 08:42:51


BANKING ON THE FUTURE: YOU

What if students repaid loans with a percentage of their future earnings? ... to remove the risk of overwhelming debt for students and mitigate the social costs of trying to repay it. By gearing repayment to income, the contracts reduce those burdens sharply -- a student [more...]

Date: 2008-12-16 14:13:58


IRS Help for Taxpayers Owing Back Taxes

If you currently owe the IRS and are having trouble making payments due to your current financial condition, there may be relief for you from the IRS. While they won't forgive the debt, they will make ... with an installment agreement in place. They may be allowed to miss a payment or even reduce [more...]

Date: 2009-01-10 17:19:13


Solarfun Swoons; Collins Stewart Cuts Ests Ahead Of Earnings Tomorrow; Sees Possible Cash Crunch Ahead

Collins Stewart solar analyst Daniel Ries once again is cutting estimates for a solar company ahead of earnings ... strained in the year ahead despite a reduced cap ex budget, and revised pre-payment obligations ... by the second quarter of 2009, likely through bank debt. SOLF today has tumbled $1.24, or 21.8%, to $4.45. [more...]

Date: 2008-12-01 16:54:48


Personal Bankruptcy and Health Care Reform

by Meg Brown If you want to thicken the air in any given room these days, bring up the subject of national health care reform. Opinions and emotions are guaranteed to fuel a heated conversation while at the same time some key issues are often left out of the informal debate. It is hard to blame participants for these oversights because of the subject’s extreme complexity. But the bottom line remains that this is a subject our country needs to intelligently tackle before it bankrupts us. [more...]

Date: 2009-09-29 07:10:04


Update1 Local Housing Could Get $35 Billion in Aid

There are several approaches you can take when reacting to the announcement that Washington has proposed kicking in $35 billion to support local housing. While some lawmakers — most notably Barney Frank in recent months — have advocated for additional home-ownership programs (some which cater to low-income and under-qualified borrowers), other lawmakers, like Rep. Scott Garrett (R., N.J.), feel that instead of becoming more involved in housing, the government should be withdrawing itself. [more...]

Date: 2009-09-29 18:21:33


Plug Your Money Leaks and Save Hundreds of Dollars Painlessly

Does it always seem that your money never goes as far as it should? One of the main culprits are the slow money leaks that we all have. These are generally recurring monthly expenses for a subscription or service that by itself appears quite small, but when you factor in dozens of these potential leaks it can drain hundreds of dollars from your budget each month. You know what I’m talking about. Cable bills, gym memberships, magazine subscriptions, or even regular dues to an organization. [more...]

Date: 2009-09-28 23:14:26


Managing Debt Wisely

Leading a debt-free life is the best way to provide a secure future for ourselves and our families. Long term debt, when becomes very large, can wreck a persons life. So, it is imperative for everyone to meticulously manage their finances to avoid huge debt payments. It has been proven through research that most people have debt due to their spending habits. So, if there is a need to change our lifestyle to prevent a debt situation in the future, it should be done immediately. [more...]

Date: 2009-09-29 16:41:49


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


Market Commentary From Monty Guild

Dear CIGAs, The end of September is here.  We wish you a happy and healthy fall season in the northern hemisphere and spring in the southern hemisphere. THE G-20 MEETING Last Thursday and Friday, the G-20 meeting was held in Pittsburgh.  At this meeting, it was decided that world economic power, which had been the bailiwick of the eight G-8 countries, should be broadened to give more voice to twelve additional countries.  This gives the G-20 power to set world economic policies.  The [more...]

Date: 2009-09-29 19:30:43


Why Health Care Reform Must Fail

Either Obama is right and he can truly cut $500 billion of waste, fraud and abuse out the Medicare budget or Medicare dependent senior must die when $500 billion is cut from muscle and bone because there really wasn’t that much fat. No one has identified exactly where this $500 billion of waste fraud and abuse are.   Rather President Barack Hussein Obama has given an example or two where money might be wasted and estimated or projected the rest of the savings.   What we need to know then is just [more...]

Date: 2009-09-29 13:04:08


Twitter Tuesday Profile: @MeWithoutDebt

It wasn’t one big splurge like a boat or a car that pushed our next Twitter Tuesday Profile into nearly $30,000 worth of credit card debt. It was small, menial purchases put on plastic that piled up over time. While this single 30-year-old research assistant in Washington DC prefers to remain anonymous, they are very open about their personal finances on their blog, MeWithoutDebt.com and through their Twitter account, @MeWithoutDebt. [more...]

Date: 2009-09-29 11:57:04


African News Update – Dialing for Answers Where Web Can’t Reach

Dialing for Answers Where Web Can’t Reach In remote areas of Africa, Question Box answers callers’ questions about crop prices, planting techniques or the best soccer team.Ivory Coast,London Club Sign Preliminary Debt Restructure Deal (Nasdaq) LONDON -(Dow Jones)- Ivory Coast has signed a preliminary agreement with the London Club on restructuring EUR2.2 billion worth of debt owed to the group of informal private creditors, in a move which could reduce the targeted portion of debt by up to 20%. [more...]

Date: 2009-09-28 23:10:09


More support for Del. North Aqueduct bid

More support for Del. North Aqueduct bid One of the region’s most powerful union-led construction organizations is throwing its support behind a Delaware North Cos. Benefit show raises $8M for Agassi school in Vegas Officials say a weekend benefit concert raised nearly $8 million to support tennis star Andre Agassi’s public charter school in Las Vegas. People in the news quiz Can you name these eight people who were in the Las Vegas Sun this week? 1. [more...]

Date: 2009-09-29 19:11:57


Public meeting on enhanced pensions for water workers is Tuesday

The Metropolitan Water District of Southern California will hold a public workshop on proposed union contracts that would hike pay and pensions at 10 a.m. Tuesday at its  Union Station headquarters . While Met’s current pension formula is among the least-generous in the area , the proposed hike is generating outrage because it would cost some $70 million , at a time when Met’s investments in Cal-PERS are already down some $400  million - and at a time when water rates are jumping . [more...]

Date: 2009-09-28 22:47:12


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


Advice to Pres. Obama #1: An Actuary's Impractical Perspective

The suggestion was made to Oil Drum staff that some of us might want to write recommendations relating to President Obama's energy policy ... our financial problems behind us. This is a tough one. There is vastly more debt in the world than can ever ... . A fractional reserve banking system requires continued growth, in order to pay back all of the debt [more...]

Date: 2009-01-12 14:42:43


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


‘Cash for Clunkers’ Finds its Congressional Sponsors

How’s this for a stimulus plan? A trio of senators introduced legislation today allowing owners of gas-guzzlers to trade their vehicles in for ... and highways would help reduce our dependence on foreign oil, decrease greenhouse gas emissions, and stimulate the economy. In addition, it would help boost demand for manufacturers of newer, efficient [more...]

Date: 2009-01-14 22:54:42


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


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


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’m In Debt - What Are My Options?

“I’m in debt. How do I get out of it?” It’s a common question these days, and a problem that’s made no easier by today’s economic troubles ... consolidation loans; IVA and Trust Deeds. To some people, they’re just names – but to others, they’re a path ... consolidation loans. Rather than struggling to keep up multiple payments to multiple debts, many [more...]

Date: 2009-01-15 03:23:18


Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22


DDR Offers Senior Unsecured Notes – Analyst Blog

Developers Diversified Realty Corporation ( DDR ), a real estate investment trust (REIT), has recently offered $300 million of senior unsecured notes scheduled to mature in 2016, at a price of 99.42% with a yield to maturity of 9.75%.  Developers Diversified expects to raise net proceeds of approximately $295 million, after deducting underwriting discounts and other expenses related to the offering. [more...]

Date: 2009-09-29 15:50:10


What is a cram down in bankruptcy?

What is a cram down in bankruptcy? We’re answering this question a lot lately more than likely because of the headlines Citigroup — among the ... borrowers falling deeper into debt — it appears that Citigroup is willing to go along with a possible major plan to help alleviate the foreclosure situation. Is it an effective solution? The Mortgage [more...]

Date: 2009-01-16 01:00:03


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 is a cram down in bankruptcy?

We’re answering this question a lot lately more than likely because of the headlines Citigroup — among the largest financial institutions on the ... of the economy — and more and more troubled mortgage borrowers falling deeper into debt — it appears that Citigroup is willing to go along with a possible major plan to help alleviate  the foreclosure [more...]

Date: 2009-01-14 17:28:09



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