I broke an egg…

Oops…while trying to make some french toast for tea break, I broke an egg. That’s how it is ... , and stretch your debt even longer. Banks love customers like you. Same goes to the the credit card story ... the spending problem, you are half-way to debt-free. The next half is easier than you think [more...]

Date: 2009-01-13 10:00:07

Blog posts (160) | Videos (185)
 

TARP is in the headlines again!

Financial markets are still stressed. And given that Secretary Paulson has already appropriated TARP funds in excess of the first $350 billion, it is not surprising that Pres. Bush is drafting up a request for Congress to release the final $350 billion in TARP monies (with an interesting political tie to Obama) [more...]

Date: 2009-01-11 19:04:08

Roundup: Catching Up My Feed Reader Edition

It’s been a while since I hit the feed reader–I mean a long, long while! ... will be the best year for individual savings this decade.”  I can’t help but feel that as soon ... Plan Can you think of 20 things that rock about being debt free?  NCN can!  We are not quite there yet [more...]

Date: 2009-01-04 11:00:15

Free Helpful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My take on this bill is that it will be a another government run fiasco ... be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... the new program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 07:36:03

Who Must Manage the Bailouts

The government has taken extraordinary measures to keep this economy that most people have thought was capitalist and dominated by a free market ... on essentially by a huge accumulation of debt accompanied by mindless consumption.” Chairman Ben [more...]

Date: 2008-12-27 08:00:00

Refinance Mortgage Rates ? Find Out How You Can Get the Best Refinance Mortgage Rates

These days there can a loan can be availed for any reason; it can be taken to buy a house, land and property and even to pay off a majority of debts These debts can be in the form of debt consolidation, switching mortgage type, big expenses, relocation, business investment, health, marriage, loss in business and any other expense [more...]

Date: 2009-09-29 07:12:52

Okay NDP. Listen up: “Debt is the pariah in the new economic order”

There was a good article in Saturday’s Globe by industry player (read: not a lame reporter) Tom Bradley entitled “Debt is the pariah in the new economic order”. This is a reality that all Canadians, especially policy makers need to understand.Interest on debt, like distributions on income [more...]

Date: 2009-01-14 16:01:00

Fed Watch: Short Takes for January 11, 2009

Tim Duy: Short Takes for January 11, 2009, by Tim Duy: I am running low on time these first few weeks of the term. Bits and pieces of things I am worried about: On the employment situation report: Mark catalogued links to a host of insightful commentary that pours over the details of this decidedly negative report [more...]

Date: 2009-01-12 08:15:24

Ask the Readers: When Does It Make Sense to Refinance a Mortgage?

So much for vacation. I just can’t keep myself away from you guys! ... are at a 37-year low. A 30-year fixed-rate mortgage averages about 5.28% right now. I don’t usually pay much ... loan), but our current mortgage is in a kind of phantom zone: We have a $207,000 balance at 6.25 [more...]

Date: 2008-12-19 13:00:18

January 10 2009: Hornswoggled Absquatulation

Russell Lee Tobaccy Candy 1940 Pool hall, Shasta County, California Ilargi: The revolving doors between Washington and Wall Street are swinging like never before. Lawrence Summers and Robert Rubin are the finance powerhouses in the upcoming Obama administration. They were in the exact same place 10 years ago [more...]

Date: 2009-01-10 16:28:00

Useful Advice - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

My view on this bill is that it will be a dismal failure ... must be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-15 16:06:21

Refinance Home Mortgage Bad Credit – You Can Do A Poor Credit…

In the long run, if you get a Refinance Home Mortgage Bad Credit loan it may not only decrease your monthly mortgage payment, save your home, but it can also help you get out of debt. The good thing is you can do most of your research on the Internet. Now is time to take action and do your research! Continue reading here: Refinance Home Mortgage Bad Credit – You Can Do A Poor Credit… [more...]

Date: 2009-09-28 18:42:49

Sirius XM Slapped with Downgrade from Moody's

Citing a negative outlook for approximately $2.2 billion million of rated debt instruments, ... assessments of debt instruments issued by Sirius and its wholly-owned subsidiaries, XM Satellite Radio ... poor liquidity). With nearly $1.0 billion of its $3.3 billion total debt coming due in the New Year [more...]

Date: 2008-12-24 05:21:32

Refinancing When You Owe More Than The Home Is Worth

I've been looking around for an answer to this but my searches haven't returned anything useful ... now, that's 50% equity even if you didn't have a down payment. So people who bought for $180,000 were refinancing ... $225,000, that's one loan at 6.25%, with a payment of $1089.82. This cuts $86.49 off the monthly [more...]

Date: 2009-01-08 09:54:12

The New York Times to the Atlantic: Kiss My Grey Pucker

Did Michael Hirschorn's article for The Atlantic on the fiscal disaster perhaps awaiting The New York Times hit some kind of nerve? ... (never mind the fact that the debt is at the corporate level). We disagree ... we need it. We repay what we have borrowed as cash comes in and the amount we can borrow [more...]

Date: 2009-01-13 19:18:00

Refinancing Your Property with Less Income Then You Had When You Bought

Hello, When my husband and I bought our home 2.5 years ago (two bedroom condo) we qualified for the loan ($250,000) based on both our incomes. Then I had a baby and stopped working. We've never missed a payment or even been late, and we're getting by just fine by being frugal [more...]

Date: 2009-01-12 14:37:32

Mortgage Rates

Mortgage rates are slightly improved from last Friday’s rates by about 0 ... with the Fed’s move to purchase mortgage backed securities and agency debt…the question is to homeowners, what rate will it take for you to refinance and/or is there a mortgage rate low enough that would [more...]

Date: 2008-12-19 18:21:45

More Industries Saddle Up To The Bailout Trough

Director Blue on the newest group to want a free handout: ... -estate debt coming due, some of the country’s biggest property developers have become the latest to go hat-in-hand to the government for assistance. They’re warning policymakers that thousands [more...]

Date: 2008-12-22 17:35:49

Leverage and the world in 2009

A recent article focused on satellite radio and the merger of XM and Sirius ... . Approximately $3B in debt is outstanding for the company; since they are not cash flow positive to any ... above, a rough guess would be that they would have to pay maybe 20% interest rates to roll [more...]

Date: 2009-01-06 03:29:19

Effective Immediately - No Refi’s For Borrowers with Modified Loans

1/5/09 - EFFECTIVE IMMEDIATELY - Modified Loans are Ineligible For Fannie/Freddie Refi’s, while FHA MAY Be Eligible ... , resulting in either absolute forgiveness of debt or restructuring the debt through either ... of the original mortgage debt to a “soft” subordinate mortgage; or Conversion of any portion [more...]

Date: 2009-01-12 17:52:15

Debt Consolidation Refi Loan - Refinance and Get Out of Debt

Before mortgage interest rates begin to rise, homeowners must take advantage of low rates and refinance their mortgage ... to become debt free. What Are Debt Consolidation Refi Loans? Consolidating debts has become an effective means for reducing and eliminating debts. Many people have more debt than they can handle [more...]

Date: 2009-01-15 06:43:03

Refis

On the eve of the closing for my refinancing, I notice this from the W$J: ... ). Now I understand why: Only about a third of U.S. mortgage debt outstanding is likely to qualify ... Interest rates on fixed-rate mortgage loans for prime borrowers have fallen to below [more...]

Date: 2009-01-15 16:42:15

Morning Mortgage Meltdown: Time to Refinance!: Rates on 30-year fixed mortgages are...

Rates on 30-year fixed mortgages are down in the doldrums. Great, right? Except it's of little help to homeowners already underwater with debt and delinquent payments -- or, for that matter, anyone buying in the Bay Area, where homes generally cost more than the $417,000 [more...]

Date: 2008-12-19 18:44:52

Tax Liens Take Second Place to Other Liens

Tax Liens Take Second Place to Other Liens By Miranda Marquit January 15th, 2009 Posted in Taxes, Economy, Home Mortgage, Mortgage News, ... more in mortgage debt than the property is worth. The new program will ease this burden by allowing ... lien means that the IRS has first claim to the money. Mortgage lenders who already lent the money [more...]

Date: 2009-01-15 17:06:30

Government Helps Homeowners With New Mortgage Support - Mortgage News

Government Helps Homeowners With New Mortgage Support - Mortgage News Published by Real Estate: Mortgage Refinance Articles from EzineArticles.com under Business News, General Real Estate News and Info, Mortgage and Finance, Real Estate Tips ... to Credit Action personal debt in Britain today stands at almost 1.5 trillion pounds in November [more...]

Date: 2009-01-15 19:23:47

Research Oracle roundup for 15 January 2009

Earning Release Shaw Communications Inc.’s (NYSE:SJR) 1Q 09 revenues, EBITDA and operating income were in line with our expectations, while adjusted1 net income was below our estimate. As the overall results were broadly in line with our expectations, we maintain our BUY rating for the common stock [more...]

Date: 2009-01-15 17:34:17

Did I Accomplish My 2008 Goals?

My 2008 Financial Goals were as follows:Purchase my first rental property. I did this, times two! ... and plans. Hmm, I kind of forgot this was a goal. I should do this eventually though...Refinance homestead mortgage at 5.5% or lower (30 yr fixed). I am actually accomplishing this 13 days late [more...]

Date: 2009-01-13 05:18:00

Lost In A Sea Of Stark, Empty Houses And Vacant Lots

It’s Friday desk clearing time for this blogger. “Record numbers of Sonoma County homeowners are seeing property taxes fall, ... condominium development and is seeking to collect nearly $19 million of unpaid loans connected [more...]

Date: 2009-01-02 17:57:28

“We can put light where there’s darkness, and hope where there’s despondency in this country. And part of it is working together as a nation to encourage folks to own their own home.” — President Bush, Oct. 15, 2002 THE BLUEPRINTS In June 2002, [more...]

Date: 2008-12-21 16:01:46

Mechel OAO (NYSE:MTL) - Significant decline in ADR price since our last update report. Free research report.

Mechel OAO’s (Mechel) ADR price has depreciated significantly since our previous update report, dated 05 January 2009, reflecting the negative investor reaction to news that the company will raise more debt. The drop ... its debt, due to Mechel’s insufficient cash holdings. As a result, although the ADR target price does [more...]

Date: 2009-01-15 16:45:45

5 Reasons Why the Economy Might Recover Faster Than Obama Thinks

by James Pethokoukis, U.S. News & World Report  Let's all hope Barack Obama is wrong when he says that getting the U.S. economy straightened out "will take longer than any of us would like — years, not months. It will get worse before it gets better [more...]

Date: 2008-12-22 13:24:30

“AAA Borrowers”

It has yet to be determined if in fact banks are lending, and for those that are, is it truly “business as usual”?? ... , property equity, debt-to-income ratios, and cash reserves. In March 2008, Fannie Mae and Freddie [more...]

Date: 2009-01-16 03:01:21

Words from the (investment) wise 12.28.08

Investors spent the holiday-shortened Christmas week in an un-merry mood, digesting more gloomy economic data and taking stock of a tumultuous 2008 ... s exuberance), but also still be battling with the implications of the credit crisis for the global economy [more...]

Date: 2008-12-28 12:31:33

Liquid Fantasies

Where did all the money disappear? Liquid fantasiesby Satyajit DasDecember 15, 2008In recent years, money was cheap and other assets were expensive ... of around $60 billion per annum (the difference between the rate it pays on its Renminbi debt ... such as Freddie and Fannie Mae debt, and other high [more...]

Date: 2009-01-10 03:48:00

Dummy to Dave: A Question I Wish You Had Asked

Dear Dave, In the first hour of your January 12 show, ... debt. You advised Dan that interest wasn’t her problem, budgeting was. You told him to have her run a budget, squeeze out some extra money, and not try to interest-surf her way out of debt. I loved [more...]

Date: 2009-01-15 22:11:21

Shock & Awe! - NOI Gets Bombed

Noah and I have been talking ad nauseam about the imminent threats to the New York City land market, commercial real estate market and ultimately the residential real estate market as a result of the tentacles of the credit debacle going back quite a stretch [more...]

Date: 2009-01-09 00:25:02

Sources of commercial real estate loans

Commercial real estate loans are crucial for a person who wants to start a real estate business, for expanding the existing business, or for refinancing the existing debt. There are two main types of commercial real estate loans ... for obtaining commercial real estate loans, like banks, insurance companies, and private investors [more...]

Date: 2009-01-15 00:47:31

Sirius XM: Is Auto Maker Rescue a Lifeline?

The Detroit Three auto makers have been thrown a lifeline by the White House, but there is no such luck for Sirius XM Radio. And much like General Motors and Chrysler, Sirius XM is looking for a way to postpone the disaster many fear is be coming. [more...]

Date: 2008-12-19 17:30:50

As The Politicians Battle It Out Ukraine’s Economy Tunnels South In Search Of Australia

“In Ukraine, the evidence is still that policymakers do not quite understand the seriousness of the challenges they face,” ... by the conflict-ridden negotiations over Ukraine’s gas debt. And just to add to the nighmare, Ukrain’ [more...]

Date: 2008-12-25 16:06:18

How to get a zero 0 % APR credit cards

If you are juggling your monthly finances and robbing Peter to pay Paul, ... is that you will be debt free at the end of the term of the loan and you cannot reuse the credit and build up debt again. The risk of increasing your card debt after transferring your balances [more...]

Date: 2009-01-12 12:58:19

Hard Money Loan

The hard money loan is a private loan in which actual cash is transferred from the lender to the borrower for the purpose of making a large purchase, ... income • Must refinance immediately • Need hard money In other words Another way of thinking [more...]

Date: 2009-01-15 07:36:00

WSJ: Could Warren Buffett Save Dow Chemical?

For Dow Chemical CEO Andrew Liveris, failure isn’t an option. Liveris has a tough juggle ahead of him to complete his company’s $15 ... taking on that much debt would hurt Dow’s credit rating. So Deal Journal wanted to look at some ways [more...]

Date: 2009-01-09 18:10:00

Find Out More - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure?

Find Out More - Can The Hope For Home Ownership Relief Act Really Help Homeowners Avoid Foreclosure? ... be at least 31 percent; * They cannot afford their current loan; * They did not intentionally miss ... the new program include: * 30-year, fixed rate mortgage; * Maximum 90 percent loan-to-value ratio [more...]

Date: 2009-01-16 03:42:39

Pocket Profile: The Finance Buff

This week we spoke with The Finance Buff. His blog was named the Best Finance Blog for People Ready to Save or Invest by the CEO of Wesabe ... percentile! Credit Card Debt: None. Top percentile! What are your two favorite financial products? Why [more...]

Date: 2009-01-15 17:07:27

99 High Paying Keywords: The Secret Is Out!

99 High Paying Keywords: The Secret Is Out! Posted by admin on Jan 16 2009 | 0 views | AdSense Incorporating high paying keywords into your ... . Private Jets 11. Debt Consolidation 12. Credit Cards 13. Rewards Cards 14. Equity Loans 15. Equity ... Life 77. Online Banking 78. Borrow Money 79. Low Interest Credit Cards 80. Personal Domain [more...]

Date: 2009-01-16 01:57:21

Glick's Take On Caroline Kennedy As Senator

Alexis Glick was born and raised in New York City ... a mortgage and I want to pay it down and refinance my mortgage. I'm worried that maybe I, like many Americans, accepted one too many credit cards. I am going to tighten my belt and pay down my debt." New [more...]

Date: 2008-12-30 13:25:25

Non-Profit Debt Consolidation - Rebuild Credit with a Debt Consolidation

Non-profit debt consolidation companies can help you rebuild your credit ... . They can also lower your rates on some types of debt, such as credit card accounts. Not as detrimental to your credit score as a bankruptcy or foreclosure, debt consolidation can get you on the right track [more...]

Date: 2009-01-15 02:54:51

Home Loans and Mortgages - Time to Consolidate Loans?

Home equity loans and lines of credit are useful tools for homeowners ... , much like a credit card loan. A home equity loan would represent a fixed amount of money borrowed ... - home improvement, debt consolidation, vacations, and more. The loans, backed by the value [more...]

Date: 2009-01-15 01:05:16

All about Commercial Real Estate Loans

All about Commercial Real Estate Loans Posted By Lauren Thompson on @ 1: ... facilities and more. Commercial real estate loans can also be used to refinance existing debt ... or refinance commercial properties owned by you or your company. Such loans are designed to help [more...]

Date: 2009-01-10 08:18:01

Mortgage Refinance Loans Guide

by John Bear Choosing the right type of mortgage for your situation could indeed save you thousands of dollars. So, first things first ... that will help you with the proper selection of a mortgage. The two types of mortgage refinance loans [more...]

Date: 2009-01-15 19:59:45

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