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

Blog posts (135) | Videos (141)
 

Paulson's $6 Billion Foot In The Door Play

The US Treasury continues to throw $billions around like peanut shells. Bloomberg is reporting Treasury to Buy $5 Billion GMAC Stake, Expand GM Loan ... in an e-mail.GMAC joins more than 190 regional banks, commercial lenders, insurers and credit-card issuers ... it has accepted all bonds tendered in a debt swap designed to reduce its debt load.“Once the [more...]

Date: 2008-12-30 05:04:00

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

The Impact of Marriage and Divorce on Your Finances

We joined Costco. And I’ve only been there 5 times in 8 days! Thanks for all your suggestions; we knew exactly what to look for. Now I just need to get my True Earnings Credit Card for Costco and I’ll be all set. Also ... What to give the new couple? Think twice before giving a gift card. Debt Reduction Five Tips for Reducing [more...]

Date: 2008-10-08 13:29:23

3 Little Known Reasons To Stay Away From Debt Consolidation Loans

A debt consolidation loan is often said to be a good way to reduce your debt. The common theory is that you can lower your interest rate, particularly if you’re consolidating credit card debt, and wind up with a smaller payment. This theoretically lets you get the debt paid [more...]

Date: 2008-08-26 20:52:46

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

How can I reduce my debt & improve my situation?

I’m upside down in my house, have about $38k in CC debt. I make good money, but wanna try to find a faster way to recovery. Most the consolidators want my situation worse in order to make it better… & they all seem ... payments. i have about $38k in credit card debt… virtually all are 6-8% apr…. except [more...]

Date: 2009-01-05 13:34:34

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

Where Can I Find Debt Consolidation Information - And How Can I Get Started?

Millions of people find themselves in debt every year ... consolidate debt” and so forth. Depending on the state of your credit rating or credit score ... with you and your creditors to find solutions. Often a credit card company will agree to reduce the amount [more...]

Date: 2008-12-31 00:24:32

Find debt consolidation nationwide!

How does payday loans actually work? Although having a loan is not a very welcome idea, the fact is that during emergency situations, ... when we urgently need to pay for our credit card bills, we did apply for a loan, lol! Good news ... have other services like debt consolidation refinance which provide debt settlement programs that reduce [more...]

Date: 2009-01-13 03:16:06

Tell All Tuesday ~ Slowly Forward Edition

This past week, all I did directly towards reducing our debt was made my monthly car payment ... $21,414.50 Broken down into: Credit Card: PAID OFF 2/7/08 Student loan (at 7%): $11,084.68 Spouse ... about our future debt elimination strategy and I wanted to address it.    Once my spouse’s student loan [more...]

Date: 2008-09-23 19:39:00

Bill Consolidation

Bill Consolidation People have different ways of budgeting their money and it all stemmed up from the person’s attitude towards finance handling ... gadget, shopping online for your needs and using credit cards as your payment. Applying and getting ... ways to consolidate bills in a way that they’ll reduce your debt into one comfortable and convenient [more...]

Date: 2008-07-04 03:28:12

Debt Consolidation For Debt Free Life

I used to go out with one of my colleague a lot of times because our children are on the same age level. I never saw her used credit card whenever she purchased something. I thought for a while ... consolidation financial service. They help people in eliminating debt as fast as possible. They provide reduce [more...]

Date: 2008-10-10 19:44:13

There are no short cuts.

Part of what I wanted to say last week ended up in this post, and bits and pieces of my ideas are still swirling around in my head like so many will-o-the-whisps- no sooner do I look at one directly but it disappears from sight. One thing I’ve been thinking about for a while is how convenience can be a weed that crowds out frugality [more...]

Date: 2009-01-02 09:27:15

Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

Fed and Treasury Want You to Have a Nice Christmas

Remember how, post 9/11, President Bush urged patriotic Americans to go to the mall? It appears the officialdom is fond of time-tested remedies ... , 2. Some of the stinginess is warranted. Um, a credit bubble means a lot of people got loans who shouldn't ... bit of consumer credit ought to contract. And even if a lot of good customers also [more...]

Date: 2008-11-25 07:36:45

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

The Credit Depression

Here they come. At the end of 2008, all the social and personal signs of a real depression were absent. They are making themselves present now ... a term from a reader on the message board which seems apt. It is the credit depression. This amounts ... has similar origins, as you can see. So a credit depression is a period when belief or trust in a set [more...]

Date: 2009-01-08 01:29:32

Five Ways To Make Any Financial Resolution A Success (Guest Post From J.D. Roth)

This guest post is from one of Wesabe’s new Advisory Board members, J.D. Roth, who writes about smart personal finance at Get Rich Slowly ... resolutions to improve our lives. Many of our goals are financial: get out of debt, open a retirement ... or credit union. Check out this huge list of rewards checking accounts by state for rates as high [more...]

Date: 2009-01-08 17:07:44

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

Devise your own Credit Repair Plan

by Rob Kosberg You found yourself in a very bad financial situation. You may feel emotional, hopeless, guilty or all of them ... habits. It doesn’t mean a “debt consolidation,” program or a home equity loan .The word is PLAN. You will start by collecting all your credit reports, bill payment statements, and credit card [more...]

Date: 2009-01-14 23:53:58

Blog Your Way to $13,000

You can blog anytime, anywhere…as long as you have access to a computer. The following is a guest post by Amy at My Daily Dollars ... -card debt. Along with that, I also completely paid for our wedding. All told, I came ... . How? Since I got my first credit card at the age of twenty-one, I have always carried a balance [more...]

Date: 2008-11-13 14:05:07

Mortgage and Credit Card Companies Under the Spotlight on Consumer Charging

For the first time since May 1996 reports have indicated that wage increases have risen faster than house price inflation ... that consumers are struggling with debt. Ed Stansfield of Capital Economics, said, “Today’s figures show that for a small but growing minority of borrowers levels of debt have become a problem, despite [more...]

Date: 2009-01-14 23:35:31

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

What Happened to Your Credit?

During a recent interview, I was asked if the credit crisis has had any affect on our credit card arbitrage. I hadn’t even thought about it because so far, it hasn’t. Of course that could always change with one trip to the mailbox! I thought about many of the different angles that I have dealt with credit card companies in the last few months [more...]

Date: 2008-10-28 13:39:23

Group Discussions : Jeans, Novels, and More!

There’s a lot happening in the Geezeo community, and we like to make it a bit easier to connect with other users.  Check out this weeks hot topics! ... and main credit card, but not my Macy’s card or my IRA account linked). The thing I like about this site most is the community aspect and the “marketplace” to find new bank, credit card and investment [more...]

Date: 2009-01-10 20:43:46

3rd time is not a charm

By Fester: I support significant deficit spending this year.  I support massive public expenditures this year.  I don't support stupidity ... by many people to pay down debt, rather than spending the money and boosting the economy ... per paycheck that couples will receive will most likely go towards paying off debt.  Given [more...]

Date: 2008-12-31 12:42:23

Don’t let Credit any Credit Card Company Keep you Down

by Denzel Abintenk Unfortunately it is very normal for people to get themselves into severe debt using their credit cards that they require the ... and quickly find yourself in exactly the same position again. Credit card debt is a vicious circle, once ... which encourages you to spend more. The best way to prevent credit card debt is to be cautious [more...]

Date: 2009-01-14 20:27:27

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

Tips for Making Your Personal Finance Resolutions Stick- Turn Your Resolutions into Habits

Besides losing weight, getting your finances into shape is probably one of the most popular New Year’s Resolutions every year ... to it. With your finances, a goal such as “pay off $10,000 credit card debt” is much more specific and actionable than just “reduce my debt”. Make your resolutions specific goals Instead of “save more money” [more...]

Date: 2009-01-07 11:50:05

2008: Annus Horribilis, RIP

I meant to take yet another Friday away from my writing, but as I am researching for next week’s annual prediction issue, there is so much material that begs to be covered that I thought I would put out a short letter with 3 or 4 points as a preface to my prognostications of next week [more...]

Date: 2009-01-03 12:42:15

Tricks Credit Card Companies Use To Ramp Up Your Bills

by Mary Bush Be difficult to fully understand and compare because of the amount of small print hidden away in the credit agreement ... how it will apply to the cost of using their cards? Not many do, and the credit card companies ... of life for credit card users these days, and it’s all but impossible to get a balance transfer card [more...]

Date: 2009-01-06 13:22:49

Carnival of Personal Finance, Cyber Monday 2008 Edition

Welcome to the Carnival of Personal Finance! It’s officially Cyber Monday 2008, the online doppelgaenger to Black Friday ... What is freedom worth?“ Posts on Credit and Debt Free From Broke chats about medical treatment ... some aspects of refinancing consumer debt. Blueprint for Financial Prosperity has a list of 0% balance [more...]

Date: 2008-12-01 06:02:01

9 Methods for Mastering Your Money in 2009

2008 was a miserable year for money. The stock market tumbled, unemployment soared, the housing market continued to crumble, and retirement savings shriveled away. Whew! Here’s hoping 2009 will be better! But hope can only do so much. Hope cannot bring change. Action brings change. If one of your goals for 2009 is to take control of your money ( [more...]

Date: 2009-01-05 13:00:21

Carnival of the Green # 152

Copyright RealCentralVA.com, LLC. If you are not reading this at RealCentralVA.com the site you see is likely stealing content ... card companies who profess to Change the World With Credit. Is it possible? Doubtful. While there’ ... card is sketchy at best and can be dangerous to your wallet. Credit card companies [more...]

Date: 2008-11-03 12:01:27

A Bailout Plan for Consumers: Use Treasury to Pay Of Americans’ Credit Cards

Last month, representatives from both the Consumer Federation of America and the Financial Services Roundtable proposed reducing the amount of credit card debt held by financially troubled consumers by 40 percent: The unusual joint request ... : The Federal Reserve estimates that the total of all credit card debt in the United States is $900 billion [more...]

Date: 2008-11-18 19:07:06

Self-Discipline And Saving Money

Self-Discipline And Saving Money Self-discipline is the ability to put off gratification now to gain gratification later ... on it at all. 4. Credit card debts hold the number one slot as the cause for financial drains these days. Control ... and controlling one’s expenditures. Self-discipline will most definitely be the key to reducing one’s debts [more...]

Date: 2009-01-07 07:22:29

Credit Card Debt Reduction - What You Must Know

by Ferdinand Mekinsy Reduce credit card debt and eliminate it before it assumes a horrifying shape ” This is truly the crux of the story ... . As we just said, there is a lot of advice available on how to reduce credit card debt and the only thing you need to do is put that advice, on how to reduce credit card debt, to practice in real life. Well [more...]

Date: 2009-01-15 14:51:14

Say Goodbye To Plastic

Nouriel Roubini has been the most prominent Cassandra for the financial crisis, ... that I introduce her newest prediction: the severe curtailing of credit card lines. It would definitely make sense as banks haven’t been keeping credit card debt on their books, but instead turning them [more...]

Date: 2008-12-01 22:01:01

The choice: getting out of the credit mess, or sink into a depression

One of the most alarming things about all the bailout talk is that the Community Reinvestment Act is still in the books . Why should this matter? Because it’s at the heart of the current credit crisis. Harvey Golub writes in today’s Wall Stret Journal, Getting Out of the Credit Mess The last thing we need is policy that encourages or incurs [more...]

Date: 2008-12-09 14:27:33

Credit Card Debt Reduction - What You Must Know

by Ferdinand Mekinsy Minimize credit card debt and eliminate it now before it takes on a terrifying shape ” This is really the gist of the story. Now, What is the way you adopt in reducing your credit card debt? Well, you simply minimize ... of reducing credit card debt related problems, then finally get rid of them(or perhaps significantly reduce [more...]

Date: 2009-01-08 01:39:40

Don’t Get Trapped By Debt

debt management Experts will tell you that with good financial planning and by sticking to a monthly budget, ... your monthly commitments in terms of loan payments and credit card payments. You may make a major purchase by means of a loan or use your credit card to pay for a holiday thinking you do have the means [more...]

Date: 2009-01-07 07:00:18

Comment Spam Fighting Technique

Comment Spam when looked from slightly different perspective can be an indicator of your blog popularity! So I guess we all should rejoice when our SPAM queue filled with dozens of comments from spam-bots. Luckily that is easily killed by simply taking advantage of the options provided by Akismet [more...]

Date: 2008-12-18 12:40:31

Paulson Translated

After listening to and reading the text from Paulson’s speech this morning, ... at a tipping point. Credit markets were largely frozen, denying financial institutions, businesses and consumers access to vital funding and credit. He uses past tense verbs, but I’m not sure [more...]

Date: 2008-11-13 04:08:18

Advantages of Online Banking

We set aside some time this weekend to pay a visit to our elderly Aunt Jane* and Uncle James ... of various aspects of life like accounting, finances, debt and more. She is content with Uncle James handling [more...]

Date: 2009-01-13 01:38:47

5 Ways to Stay On Top of Your Bills

In such a hard economy, it is extremely easy for the bills to pile up without you even realizing it ... the month. If you find you have put a significant amount of purchases on your credit card, take ... purchases on your credit card can help you keep track of where your money is going. When we pay [more...]

Date: 2009-01-09 10:15:08

Reducing Debt with a Credit Card Debt Consolidation Loan

If you are finding that your credit card debt is so overwhelming it might be time to start thinking about a loan to consolidate your credit balances ... your existing debt into another form of debt. The idea behind a credit card debt consolidation loan ... to successfully use the loan for its intended purpose; becoming debt free. • Destroy all your cred [more...]

Date: 2009-01-16 00:24:26

Credit Card Companies Cutting Credit, Rewards; Upping Interest Rates.

Wall Street gets a bailout, regular old Americans see their available credit decrease, their interest rate go up, ... Card Debt Challenge - Week Five.Getting The Most Out Of Your Credit Card Reward Program.List ... cheaper rewards, reducing credit lines, upping interest rates by 2 or 3 percentage points, and shutting [more...]

Date: 2008-10-29 16:00:06

Take stock of your debt and get the right advice

With the New Year coming around many people are getting their New Year’s resolutions sorted out, ... to a 0% balance transfer credit card. If you have a range of credit cards and loans that you are repaying it may be worth considering Finding a 0 percent balance transfer credit card or a low rate [more...]

Date: 2009-01-13 07:00:17

Debt Consolidation Plan: “Plan” Before You Leap!

Too many debts to deal with? Has it become unmanageable? ... ??? Here’s the solution you’ve been looking for - ‘Debt Consolidation Plan’. Debt consolidation loans ... , credit card dues, overdrafts, or any number of unpaid bills that have built up over time [more...]

Date: 2009-01-15 08:14:20

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