The Lure and the Trap of Debt Consolidation - Payment Versus Cost of Interest

A while ago I did an article entitled Debt Consolidation Refinance - Doing it Wrong vs. Doing it Right. It's a good article, if I do say so myself ... of cranking some numbers, but on a meta level as well. The most concrete lure of debt consolidation refinance ... in the meantime, now you're layering more debt on top of what you already owe. So instead of [more...]

Date: 2008-07-18 13:46:19

Blog posts (160) | Videos (185)
 

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

Debt Consolidation

Are you having financial problem and you feel like your back is against the wall, Always stressing out don’t know what to do or where to turn? ... out your financial situation they do free debt analysis, Credit counseling, Mortgage & Refinance and Debt ... of he most trusted and reputable law firm specializing in all matters concerning debt negoti [more...]

Date: 2009-01-13 02:23:50

Time to get back to basics (pfblogs.org)

Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down ... .  The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment.  People ... ... [more...]

Date: 2008-10-03 00:47:04

Time to get back to basics

Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down.  The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment.  People [more...]

Date: 2008-10-03 05:36:52

No Home Equity Often Means No Health Care

Many people have dealt with rising healthcare costs by borrowing against their home. Now that’s gotten tougher, and so is paying the medical bills ... scrapes and stumbles led them to amass a pile of credit card debt and forced them to refinance ... because of medical issues. The connection between medical debt and the current credit crisis isn’ [more...]

Date: 2008-10-28 15:09:05

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

Bonds & equities: Expect a major shift

This post is a guest contribution by Dian Chu*, market analyst, trader and author of the Economic Forecasts and Opinions blog. The S&P has skyrocketed 58% since its bottom in early March, while the Dow is up 50% and the Nasdaq has surged 68% during that time. Meanwhile, bond prices led a rally as rates on the benchmark 10-year note have declined some 40 basis points since early August. This is good news for business: higher bond prices make it easier to refinance debt and stay in business. [more...]

Date: 2009-09-28 01:49:20

Debt Consolidation Mortgage Refinance - Pros And Cons

Amazon.de Widgets Many people are in need of a strategy for paying back their loans. Some people just need a point in the right direction in order to get on the right track. Sure, if we had piles of money lying around our living rooms, paying off our debts wouldn’t be an issue. Since that is not the case, unfortunately, we must weigh all of our available options in order to find the one that best caters to your financial needs. [more...]

Date: 2009-09-23 18:25:44

We Are All Dead

1.5% is a joke. Tell me it's a joke. To have driven the entire United Kingdom economy into liquidity preference behaviour is keynesian all right ... . We aren't going to refinance our existing debt, the auction will be deserted.Keynes has never ... and a sustainable level of public debt. It's good as well when there are potential creditors [more...]

Date: 2009-01-09 11:39:00

Makers of Crap Sandwich Now Pitching It With 10-Percent More Corn

The big three automakers are back in Washington, trying to convince Congress to give them your hard-earned money so they can keep afloat businesses ... refinance their companies' debt, cut executive pay, seek concessions from workers and find other ways ... changes, including the elimination of lavish executive pay packages and assurances that taxpayers [more...]

Date: 2008-12-02 12:57:12

Medical debt adding to credit crisis and economic problems

For me this is one of the most disgraceful aspects of the Republican control in America ... led them to amass a pile of credit card debt and forced them to refinance the mortgage on their house ... where someone either went into debt or feared going into debt so opted for no health care or a bad [more...]

Date: 2008-10-30 05:57:01

Meirelles Surprising Remarks Increase Odds of Interest-Rate Cut

A plan outlined last night by Banco Central Brasil President Henrique Meirelles to ready $20 billion in funds to help local companies refinance maturing debt overseas indicates that corporate liquidity problems will probably persist ... in November that the government will use any sources of money at hand (even international reserves) to help [more...]

Date: 2009-01-15 17:12:28

The Night that the Lights Went out in Moscow

The Moscow Times reports: A senior government official angrily called up Dominique Fache, the Russia manager for Italian utility giant Enel, ... industry is mired in debt linked to unpaid consumer bills and the multibillion-dollar investment ... ($1.1 billion) in the fourth quarter to refinance debt, Mikhail Slobodin, the president [more...]

Date: 2008-11-22 03:19:44

Highlands/CSF merger includes refinancing bond debt

It’s official. New Mexico Highlands University will take over the College of Santa Fe ... s vice president of finance. NMHU, which will help refinance that debt, has many of the same ... the deal, there is:  • An agreement for both schools to cooperate in refinancing the college’s debt [more...]

Date: 2009-01-08 01:41:09

A Look at Peer-to-Peer Lending

In an article titled " In a Tight Market, Borrowers Turn to Peers ", Nancy Trejos writes for the Washington Post about the growth in popularity of peer-to-peer lending - noting that "analysts expect the industry to grow as customers who face rising credit card rates search for new ways to refinance their debt." [more...]

Date: 2009-09-20 15:01:40

Any Homeowners Bailout Will Be Unfair

The title above is important context for this post ... . There has been chatter about refinancing mortgages to 4.5%, but then the chatter moved to talk of 3%. This would create ... with a bunch of 3% debt that is unlikely to refinance away will face a whole new set of writedowns [more...]

Date: 2008-12-23 16:32:04

All Time Low Mortgage Rates For A++ Borrowers Only

As discussed on December 31, 2008 many homeowners attempting to lower their mortgage rate apply for a refinance, ... income (debt ratio of 32% or less) and substantial equity in the home (loan to value of 75% or less ... and won’t get approved. Only about a third of U.S. mortgage debt outstanding is likely to qualify [more...]

Date: 2009-01-15 08:09:46

debt solutions center

.fullpost{display:inline;}Global crisis has happen in around the world and many company who has collapse because they do not have enough money ... Consolidation, Debt Consolidation Loan, Credit Counseling, Cash out Refinance, Retirement Benefits, Credit ... . Beside that there are money people who also has financial problem.Being in debt is not fun [more...]

Date: 2008-12-22 20:43:00

MORTGAGE FOR BAD CREDIT

If you would like to buy a new home or have some improvement plan but you are in the situation of poor credit score and it is hard to gain the trust ... in the country, and you can also use their programs to help you on debt consolidations, mortgage refinance [more...]

Date: 2008-11-13 07:17:06

Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09

Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]

Date: 2009-01-07 16:31:45

Satellite Radio’s Dilemma ($$$)

The New York Times is out with a piece on Sirius/XM’s quest for cash. While subscriber numbers and revenue have been growing at a very healthy clip, the company is heavily burdened with debt - which they’re finding difficult to refinance at favorable terms [more...]

Date: 2008-12-27 16:47:53

Sirius: NY Times Piece Paints Grim Picture of Debt Troubles

Sirius: NY Times Piece Paints Grim Picture of Debt Troubles Posted by Tiernan Ray Today’s New York Times (NYT) ... as it tries to refinance almost $1 billion in debt coming due next year, including $193.5 million ... , who is philosophical about the difficulties of refinancing in the current environment. As Karmazin concedes [more...]

Date: 2008-12-29 12:00:00

Qatar Telecom completes $2 bln loan deal

DUBAI, Sept 29 - Qatar Telecommunications Co said on Tuesday it had completed syndication of a $2 billion loan facility for general corporate purposes including to refinance existing debt. 'Despite the current difficult global credit environment, ... [more...]

Date: 2009-09-29 13:29:42

Private Equity Re-Gifting: The Debt Exchange

Times are tough for buyout firm-backed companies. The economy is in recession, slowing business and hurting earnings. The credit markets remain shut, making refinancing debt difficult at best. That leaves few options for companies who have debt coming due soon and need to refinance it, or who simply need to rework [more...]

Date: 2008-12-24 15:05:49

RELIABLE MORTGAGE SOURCE

Home purchasing and home improvement may be hard for you when you are in a situation of bad credit ... , debt consolidations, mortgage refinance, and many more. This is the opportunity for you to start [more...]

Date: 2008-11-13 06:56:02

Sirius: NY Times Piece Paints Grim Picture of Debt Troubles

Today’s New York Times (NYT) business sections has a feature on Sirius XM Radio (SIRI) by Tim Arango and the travails it faces as it tries to refinance almost $1 billion in debt coming ... with Sirius CEO Mel Karmazin, who is philosophical about the difficulties of refinancing [more...]

Date: 2008-12-30 17:45:29

Businesses offered credit lifeline

Businesses offered credit lifeline Posted by:europe 12 minutes ago • Discuss The government will help small and medium-sized businesses ... refinance up to 20 billion pounds of debt under a new scheme to stop cash-starved firms going bust in the country's first recession since 19 Tags businesses offered credit [more...]

Date: 2009-01-14 21:36:52

Credit Score Checkup

Earlier this year I checked my credit report and score with one of the big three reporting bureaus. My score at the time was a 696 ... s one reason why I’m so motivated to bring my debt down. In 1 or 2 more years I want to refinance my 7/1 ARM ... faith phone call to collect the debt. I had no idea I was being billed and it’s not my fault [more...]

Date: 2008-12-11 15:48:31

The TOP 150 Adsense High Paying Keywords

There are several list of Adsense High Paying Keywords and use it for your unique needs and learning ... car insurance 10 online insurance quotes 11 criminal defense lawyer 12 debt consolidation 13 refinance home mortgage 14 medical malpractice lawyer Michigan 15 bad credit home loan 16 loan [more...]

Date: 2008-12-29 01:43:09

The White House Zillow Zestimate

My home being by far my most valuable asset, I wondered what the White House might be worth. After all, mortgage rates are the lowest they’ve ever been since Freddie Mac began its survey in 1971. The US government might be able to refinance - and pay off some of their higher debt [more...]

Date: 2009-01-08 01:35:44

IRS Plan to Help Distressed Homeowners Falls Short

The Internal Revenue Service has announced a process that is supposed to make it easier for financially distressed homeowners to refinance a ... in the property above and beyond the mortgage debt plus enough to cover the tax debt, the IRS is able ... mortgage or sell a home by providing options when there is a federal tax lien blocking [more...]

Date: 2009-01-07 14:59:28

Best Refinance Mortgage Rates - Ways to Qualify for a Low Refi Rate

Obtaining a low rate is a top concern for many homeowners who choose to refinance their existing mortgage ... payments, judgments, and high debt to income ratio are damaging to your credit score [more...]

Date: 2009-01-15 04:45:36

Now Developers Need A Bailout As Loans Come Due

This falls in the “if you can’t beat them, join them” game ... to refinance the projects. The developers business plans are predicated on being able to roll over the debt on their projects. If banks are not willing to refinance the loans [more...]

Date: 2008-12-22 15:19:39

A Fool's Errand: Stabilizing House Prices

Yesterday there was a news article on MSNBC that claimed 1 in 6 now owe more on their mortgage then their property is worth ... for borrowers in financial trouble to refinance or sell their homes and pay off their mortgage if their debt ... to Zillow the median household income in the area is about $46,000 while the median home price [more...]

Date: 2008-10-09 07:36:00

Monetizing Your Website With Google Adsense Is Easier Than You Think

This site is specifically created for those who don’t want to waste time searching for ‘the best solution’ to earn money online ... Debt Consolidation Endowment Purchase Online Student Loan Consolidation Pop Up Displays California ... Mortgage Refinance Rates Accident Helpline Lenders Tree Acorn Stair Lifts Ambulance Billing Secure [more...]

Date: 2009-01-02 00:57:08

Tips a Home Owner Should Know Before Refinancing

by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate credit card debt at a lower interest rate. Homeowners should not consider real estate mortgage refinance as a way to pay for a vacation unless it will be your last, a new car or a boat. A good [more...]

Date: 2008-12-29 22:15:15

Another Bailout Plan: Directly Bailout Homeowners

—Ace Actually, if you accept "bailout logic" at all, this makes the most sense and should have been done from the beginning ( ... credit and a mortgage can refinance at a new lower rate. Treasury Secretary Henry Paulson ... to buy mortgage debt. Mortgage applications surged by a record last week and the average rate [more...]

Date: 2008-12-06 06:32:52

A Quick Look At Mortgage Refinance

by Ned Dagostino Mortgage refinance is an option most house owners look at from time to time. The big question they ask themselves is: Should I? ... to manage. You can refinance the mortgage and get a loan large enough to pay off all the small debts ... Well, that depends on the particulars of the case. Generally people go in for mortgage refinance [more...]

Date: 2009-01-16 04:05:52

Reasons to Refinance Your Mortgage

Image courtesy of Notionscapital.comThe rates on a 30 year home loan have recently fallen to record lows; and will possibly fall even further ... account or help you pay off your credit card debt a lot faster.Low Cost. If you are one of those ... the process to refinance their loan.Even though the current rate may be lower than what you are paying [more...]

Date: 2008-12-29 11:15:00

Ascendas REIT - Looks undervalued

A-REIT has obtained S$200m in credit facilities to refinance part of its S$300m commercial mortgage-backed securities (16% of total debt) due in August 2009 at a low credit spread of 120bp (vs [more...]

Date: 2009-01-14 04:05:00

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

Restorative Resolutions for 2009 and Beyond

With a campaign tag line, CHANGE WE NEED, President-Elect Barack Obama and a large portion of the American population should have some rather ... in a large part by our debt-based, growth-on-an-infinite-planet obsessed approach to capitalism? Or do we just try to refinance our house one more time, to take advantage of the latest Red Tag Sale? Here’ [more...]

Date: 2008-12-31 15:44:41

Cheapest Remortgages

Cheapest Remortgages Posted by Dark Spider at December 28, ... necessary for a home owner to try and refinance a mortgage loan that he or she could have availed ... or expanding the house or even for debt consolidation. Lenders will have to assess a borrower [more...]

Date: 2008-12-28 12:08:00

FHA Credit Guidelines

FHA Credit Guidelines which borrowers and lenders must follow in order to obtain FHA financing for purchase and refinance loans ... of blemish, how old is the derogatory credit, what caused the late payment or collection & alternative ... recent debt to find out if is being used toward the cash required for the down payment. Also, any [more...]

Date: 2009-01-02 17:18:26

US Interest Rates Zero to 0.25% and soon 4.5% US mortgages

Hale Bonddad Steward at Huffington Post has a lot of charts that show the bad financial situation ... to refinance a mortgage at 4.5%. The Fed and the Treasury appear ready to start buying up large quantities of securities -- government debt, mortgages, commercial loans, even stocks -- from banks [more...]

Date: 2008-12-16 20:29:22

Refinancing Our Way To Better Financial Health

dollar So Denis and I have decided to refinance our mortgage ... ll put 20% of it into savings for emergencies. The other 80% will be applied to credit card debt ... off credit card debt (for fear of going crazy with the credit card again), the new me is excited [more...]

Date: 2009-01-04 00:33:15

Is It Time to Refinance?

Is It Time to Refinance? Written by Credit Karma January 9th, 2009 at 7:09 AM CST 2 comments ... . Have the Proper Debt-to-Income Ratio. In the housing boom, debt to income ratios (DTI) were pushing 50 ... your score. Have Equity in your Home. Like the subprime mortgage, 100% financing is generally no longer [more...]

Date: 2009-01-08 17:50:03

Individuals With Too Much Debt Can Receive Monetary Assistance From Federal Grants – Available Now!

Owning a home is a great responsibility and equally a huge reward. Many people who move from an apartment into their own home cite it as one of the most enjoyable experiences of their lives. Home ownership is a very long commitment to a mortgage and that responsibility doesn’t go away just because other circumstances may change. In a financially challenged economy, many homeowners find themselves facing hardships when it comes to keeping their house payments up to date. [more...]

Date: 2009-09-29 18:16:01

Mortgage Calculators Are Useful Instrument to Evaluate Your Options

The highest aspect/priority on each person’s mind while submitting an application for a home loan is getting the lowest mortgage rate. There are a number of lenders, who are ready to offer you excellent deals. In addition there are a few who will look as if they charge you less on the other hand, they may have a lot of hidden costs. You have to be cautious once it comes to deciding on your lender. It would help you if you collect as much as necessary information on mortgage loan in most cases. [more...]

Date: 2009-09-29 18:16:11

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