• 829 US Banks Still At Risk Says FDIC

    Updated: 2010-08-31 18:00:59
    The FDIC says that more than a tenth of banks in the United States are still at risk of failing even though the economy is showing improvement. Out of the 7,800 banks in the US, 829 were still having problems. Another 118 banks have failed already in 2010. For the first time in 38 years, [...]

  • Microsoft (NASDAQ: MSFT) Ups Pricing for Xbox Subscriptions For First Time

    Updated: 2010-08-31 17:37:58
    Microsoft (NASDAQ: MSFT) is set to raise its subscription prices for Xbox Live Gold online gaming in the United States as well as in three other countries starting November 1. Annual Gold memberships will increase from $49.99 to $59.99 and the three-month rates will rise from $19.99 to $24.99. One-month subscriptions will go up to [...]

  • Google (NASDAQ: GOOG) Makes Emails a Priority

    Updated: 2010-08-31 16:58:58
    Google (NASDAQ: GOOG) is aiming to make checking your inbox easier. The company has added a new system that allows Google users to decide which incoming email is the most important and allows the ‘good’ emails to remain at the top of the pile while the not-so-important emails stay at the bottom. The Priority Inbox [...]

  • Sprint Nextel (NYSE: S) Offering Common Cents at Walmart (NYSE: WMT)

    Updated: 2010-08-31 16:31:26
    Common Cents is now on sale in aisle 5. Sprint Nextel Corporation (NYSE: S) will be selling its Common Cents Mobile phones in more than 1,200 Walmart (NYSE: WMT) stores around the country. Customers can now get a quality pay-as-you-go plan for cellular service without signing a long-term contract. The Common Cents Mobile brand is a pay-as-you-go [...]

  • Peer to Peer Lending Companies: P2P Lending Companies Doing Business in the U.S.

    Updated: 2010-08-31 16:12:08
    The number of peer to peer lending companies (p2p lending companies) operating in the United States has grown dramatically during the last several years and companies such as Lending Club and Prosper.com have gained a lot of media exposure and these companies are now originating tens of millions of dollars in new loan volume each [...]

  • LendingClub.com Review: A Full Review of LendingClub.com’s Peer to Peer Lending Services

    Updated: 2010-08-31 16:10:09
    Banks are cutting back on the amount of lending they are doing and borrowers are turning to peer to peer lending companies, such as LendingClub.com to get a personal loan from. Investors are also turning to LendingClub.com and Prosper.com as a new class of investment as the stock market sits in the doldrums. Here is [...]

  • Denied a Home Loan Modification? Wells Fargo (NYSE: WFC) Offers Alternative Mortgage Assistance Programs

    Updated: 2010-08-31 16:08:38
    As large numbers of financially strapped families are canceled from the Making Home Affordable loan trial modification programs, some begin looking for other ways to remain in their homes without having to foreclose or file bankruptcy. Wells Fargo (NYSE: WFC) is a mortgage servicer who has provided assistance to struggling homeowners in the form of [...]

  • Peer to Peer Lending Sites: Companies Which Operate P2P Lending Websites

    Updated: 2010-08-31 16:06:25
    The peer to peer lending industry has grown dramatically during the last couple of years and the number of peer to peer lending sites (p2p lending sites) has grown dramatically. Companies such as Prosper.com and Lending Club have gained national media exposure and now these companies are originating tens of millions of dollars in new [...]

  • Time Warner Cable (NYSE: TWX) and Disney (NYSE: DIS) Expected to Make a Deal By Thursday

    Updated: 2010-08-31 14:38:28
    Both the Time Warner Cable (NYSE: TWX) and Disney(NYSE: DIS) websites for consumers have published a statement regarding the progress after months of heated negotiations over money and how much Time Warner has to pay to air ESPN: “Disney and Time Warner Cable have made significant progress in our negotiations for continued distribution of ABC, Disney [...]

  • Charts: College Tuition vs. Housing Bubble vs. Medical Costs

    Updated: 2010-08-31 08:45:59
    This chart from Clusterstock (via Carpe Diem) shows the cost of college tuition comparison to historical housing prices and the Consumer Price Index (CPI) over the same period. The CPI is designed to track our cost of living by estimating the average price of consumer goods and services purchased by households. Everything was normalized to [...]

  • Looking for a Tenant Loan – 8 Points to Consider

    Updated: 2010-08-31 08:03:57
    Tenant loans are designed for individuals who are seeking a loan but do not own any property, home or other forms of real estate that can be used for collateral. In many ways, tenant loans are similar to credit cards where individuals can get an unsecured loan do whatever they want. However, tenant loans should [...]

  • What is Banking?

    Updated: 2010-08-31 08:00:00
    What is Banking? Banking have know to be a system of trading in money that concerns in protecting deposits and making money available for borrowers, banking has been developed in response to the increasing need for credit in commerce and trade. The lending functions of banks plays between the money [...]

  • low interest credit cards

    Updated: 2010-08-31 08:00:00
    Low Interest Credit Cards for Canadians Getting to Know How It Works Low interest credit cards can help you save a lot of money eventually. If you aren't carrying balances on your current credit cards or prepare on making long-term purchases, low interest credit cards are a great means to [...]

  • Knowing How Financial Planning Works

    Updated: 2010-08-31 08:00:00
    Knowing How Financial Planning Works Financial planning is a course of formulating objectives, checking the assets and resources, estimating potential financial needs, and creating plans to accomplish monetary goals. A lot of elements may be drawn in financial planning, together with investing, asset [...]

  • All We Have Is A Gift From God

    Updated: 2010-08-31 04:18:59
    All we have is a gift from God. He gives us our health, wealth, and all other things freely... not based on what we deserve, but solely on His goodness.

  • Apple (NASDAQ: AAPL) iPads Shipping Within 24 Hours

    Updated: 2010-08-31 01:31:43
    Do you already have an iPad? How long did you wait for it to ship after you ordered it? People ordering iPads previously had to wait several days or at times, weeks, before their iPads shipped. On an earnings call on July 20th, Apple’s COO, Tim Cook, told the media and analysts, “We’re increasing capacity [...]

  • Four FICO Score Myths, Busted

    Updated: 2010-08-30 22:13:10
    FICO’s entry into the mortgage market meant more press, more attention, more criticism, more work for me, and a whole lot of incorrect information being passed off as the truth.

  • Are You Sure You’re Getting A Good Deal? Mint’s Personal Finance Roundup

    Updated: 2010-08-30 18:47:07
    In our quest to make the most out of our shrinking dollars, we try to make the best financial decisions in order to stretch our budgets. But when we look closely at these decisions, we sometimes wonder if they were always sound. Do our choices really save us a few dollars more? Or are we actually burning more money when we chase those deals?

  • Key Performance Indicators For Your Finances

    Updated: 2010-08-30 15:53:01
    Whether you’re driving a car, or you are the CEO of a major corporation, you use key performance indicators (KPI’s) to get an understanding of the state of things. Personal money management is no different. You need to watch KPI’s regularly so you know you’re making forward progress on your journey. It can also be important to monitor them to insure you’re not endangering your financial situation and your ability to achieve financial goals...

  • How to Get a Bad Credit Business Loan – 3 Things You Must Know

    Updated: 2010-08-30 04:03:05
    Finding bad credit business loans may seem like impossibility as a business owner, given the restricted credit environment that we currently find ourselves in. The best option for any business owner is always going to be a loan backed by the Small Business Administration and funded through an SBA approved bank. The reason for this [...]

  • No Funds Left: The Rising Cost of Being an NFL Fan

    Updated: 2010-08-30 01:18:59
    If you're planning to take your family to a game this season, you better save up for the experience: the pleasure will cost you hundreds of dollars. Take a look at the increasing cost of being an NFL fan in this infographic.

  • 100 Ways To Save and Grow Your Money | Book Review

    Updated: 2010-08-28 15:51:30
    I reviewed the book, 100 Ways to Save and Grow Your Money: Financial Fitness for Regular People, by Peter Sorrells, copyright 2009. The author holds eight patents and has held successful engineering, marketing, and management positions in several high-technology companies. He’s an accomplished...

  • Updated myFICO Coupon Codes & Twitter Tip

    Updated: 2010-08-28 07:53:34
    The last time I actually paid for my credit score was before I bought my house, and that was basically a fit of paranoia to make sure it was crazy-awesome before the lender pulled it. There are plenty of “FAKE-O” credit scores out there, but the only place to get your real FICO score is [...]

  • Why Retail Therapy Feels So Darned Good

    Updated: 2010-08-27 22:27:09
    For a nation whose economy rests on consumption, retail therapy—the notion that shopping lifts spirits—offers the ultimate double ticket: sales, combined with brief relief to the daily stressors. But, as the shopping season is upon us, will the plentiful purchasing make our time merry and bright or end up summoning our inner depressed scrooge?

  • Big Dreams, Slim Odds: The Lottery Economy

    Updated: 2010-08-27 14:54:55
    Who doesn’t dream of winning the lottery one day? Even people who don’t play probably fantacize every now and then about becoming a millionaire overnight: something few things but the lottery can help you achieve. The truth, of course, is that your odds of winning the lottery are very slim: as slim as one in [...]

  • Google Offers Free PC-to-Phone Calls To US & Canada

    Updated: 2010-08-27 12:27:11
    There was a lot of media coverage yesterday when Google announced that they would offer PC-to-Phone calls to US and Canada numbers for free from their Gmail interface. To try it out if you haven’t already, just log into your Gmail email account. But wait… Google Voice (GV) has offered free US long-distance for a [...]

  • Beginners Investment Guide This Summer

    Updated: 2010-08-27 09:21:53
    If investing is something new for you, it is best to follow a guide by those who have done and done it successfully. It can be complicated, but it really doesn’t have to be. By following this guide, you can determine your investment budget, know when to buy, and put your money to work for [...]

  • Should I Save Pennies Or Give Them Away? Mint Answers

    Updated: 2010-08-26 21:58:53
    When you’re cash-strapped, you often find yourself wondering: When the cashier owes you a few pennies in change, should you bother keeping it? What is cheaper over the long run: clipping coupons or buying in bulk? Is there a way to save money without falling into the temptation of spending it? And when you do spend, how do you control impulse purchases?

  • When Are Credit Card Rewards Worth It?

    Updated: 2010-08-26 17:08:10
    One of the main reasons many people use credit cards is getting freebies. Free flights, concert tickets and retail discounts are just a few of the rewards promised by major credit card companies. What's less obvious, though, is how much money you must spend to get any of this stuff.

  • $4 Movie Ticket at Fandango via Groupon

    Updated: 2010-08-26 01:29:15
    Groupon is currently offering any ticket on Fandango.com for $4 (up to $12 value including all fees and charges). If the value is over $12 (NYCers?) then you just pay any additional difference. If you don’t have a Groupon account already, please use my sign-up link. Then visit the deal link. Only about 4 days [...]

  • travel rewards credit cards for canadians

    Updated: 2010-08-25 08:00:00
    Travel Rewards Credit Cards for Canadians Picking a Credit Card for You to Use? Credit Cards do have variety of types that you can choose from. However, when you select the credit card, you must check certain factors. These factors will help you determine what kind of credit card you are going to [...]

  • secured credit cards in canada

    Updated: 2010-08-25 08:00:00
    Secured Credit Cards in Canada Credit cards have been long used by people. It swipe or tapped to credit card gadgets that will allow you to pay for the purchases you have made or any business transactions you are dealing with. It made everyone’s lives comfortable and hassle-free. People have [...]

  • low interest credit cards for canadians

    Updated: 2010-08-25 08:00:00
    Low Interest Credit Cards for Canadians What is a Credit Card? Credit Card authorizes an individual to charge purchased goods or services to his or her personal account. It is totally different from a debit card for the reason that the money is instantly deducted from your bank account once you [...]

  • Debt Collectors Beware Federal Court Rules One Party Consent Telephone Recordings Are Okay

    Updated: 2010-08-24 17:34:56
    FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Debt Collectors Beware Federal Court Rules One Party Consent Telephone Recordings Are Okay Tags : Debt Collectors Debt Collection Recording Debt Collectors Suing Debt Collectors Consumers 18 USC 2511 Debt Categories : Consumers Debt Collectors Debt Posted by allen on 8 24 2010 7:34 AM Comments 0 Over the last several years there has been an ongoing debate regarding the lawfulness of one party telephone conversation recording , such as recording a debt collector making illegal , abusive and threatening phone calls . To date consumers only had their own state laws one the legality

  • Budgeting Chronicles: How We Keep Our Personal Budget

    Updated: 2010-08-24 16:33:46
    A lot of people struggle to keep a budget and wonder how they can overcome some of the common budgeting pitfalls. But, they want practical advice that actually works, not theoretical assumptions. So, I want to share how we keep our budget – as a point of reference...

  • 10 foolish reasons for not paying credit card bills on time!

    Updated: 2010-08-24 07:38:10
    Why would anyone not want to pay their credit card bills on time? In most cases, if we have the money, the bills get paid first, right? Well, this may not register with everyone. Believe it or not, there are many people out there who make excuses as to why they can’t or rather, prefer [...]

  • Deflation Defined & How to Handle It

    Updated: 2010-08-23 15:40:48
    Deflation is the opposite of inflation which is characterized by rising prices. Deflation (just ask Japan) is a much more difficult problem than inflation because it is so difficult to control. At first glance, it would seem logical that deflation is a good thing. After all, having goods and services become cheaper seems like everyone wins. We all buy more…

  • Some Guidelines For a Successful Note Purchase

    Updated: 2010-08-23 09:38:47
    - FINE POINTS A. GENERAL INFORMATION, We are not acting as lenders or property buyers. We are strictly purchasers of property seller financed real estate paper. This includes notes, mortgages, trust deeds, land contracts, contracts for deeds and bonds for title. The paper must be in the first position and the payers must be current on [...]

  • Consumer Reports Car Reliability Charts

    Updated: 2010-08-23 08:23:11
    The auto review issue of Consumer Reports is always very popular, due in part to the fact that they can be more impartial by actually buying all the cars they test anonymously and not accepting any outside advertising. (This is not the case with any other car magazine.) Here’s a few charts and graphs from [...]

  • How a Dreary Retirement Prognosis Can Actually be Good

    Updated: 2010-08-22 15:46:08
    The retirement landscape is changing in America, and most of the news is less than positive. However, by redefining retirement, life could actually get better for our future senior citizens. Hold that thought – we will return to it in a minute. The days are gone forever when an employee worked for the same company...

  • The Best Use of Your Money

    Updated: 2010-08-22 09:36:23
    There are so many productive ways to spend our money: saving for retirement, paying off the house, paying down consumer debt, and don’t forget about reasonable spending to make life more enjoyable. So what should take priority? Here are some things to consider. 401(k) First, determine whether your employer’s 401(k) has a match. For instance, many 401(k)s [...]

  • “Retirement Breakthrough” Book Giveaway Winner

    Updated: 2010-08-21 18:26:52
    I was recently give a copy of the book, “Retirement Breakthrough: The Safe, Secure Way to Guaranteed Income You Can’t Outlive–in Any Economy” The random winner of my giveaway of the book, Retirement Breakthrough: The Safe, Secure Way to Guaranteed Income You Can’t Outlive–in Any Economy, is Steve. There will not be a giveaway next [...]

  • Finding a Free Student Checking Account

    Updated: 2010-08-21 09:33:55
    A free student checking account is a great way for students to gain understanding to the financial journey that is ahead of them. Any student can tell you that they are living on a shoe string budget, every dollar counts and they for sure do not need to be laying out even ten dollars a [...]

  • Abusive and Stupid Debt Collector Headlines of the Week

    Updated: 2010-08-20 19:23:01
    FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Auto Warranty Robocaller To Pay 2.3 Million , Sell Mercedes For Consumer Redress Abusive and Stupid Debt Collector Headlines of the Week Tags : Stupid Debt Collectors Debt Collectors Debt Collection Collection Scams Consumers Consumers Rights FDCPA FCRA Categories : Consumers Debt Debt Collectors Scams Posted by allen on 8 20 2010 9:23 AM Comments 0 I love it when greedy and stupid debt collectors get hung out to dry . Here are this week’s abusive and stupid debt collectors news headlines for the . week I will hunt you down like a dog , quot debt collector out of business Mann

  • Net Worth Statement – First Step in Financial Planning Process

    Updated: 2010-08-20 09:32:01
    Every financial planner will tell you that knowing your current net worth is the first fundamental step in the financial planning process. Taking stock of who you are and where you stand will help you to determine your financial goals and dreams and towards a realistic and practical financial plan. You need to put down in [...]

  • 5 Reasons for Refinancing

    Updated: 2010-08-20 08:26:27
    The dream of buying your own home, repaying it as soon as possible and living out your retirement is one which is not as applicable as it was to your parents or to their parents, who probably lived through the Great Depression when security in property meant security for your family. However, we have lived [...]

  • Why It’s Important to Save More Money Every Month

    Updated: 2010-08-19 09:29:26
    One of the best things you can do for your financial situation would be to save money every month! I personally recommend that you save at least ten to twenty per cent of your monthly pay to see some really good results. I know that this amount is not the law, and would be altered [...]

  • Awesome Space-Saving and Multi-Tasking Furniture

    Updated: 2010-08-19 07:36:12
    Thinking about simplifying your life and living in less space? Perhaps you already live in a small space. If you haven’t heard of Resource Furniture, you should definitely check out this video of space-saving and transforming furniture from their store in New York City, land of the 250 sf studio. These are way beyond your [...]

  • 5 Reasons Why You Are Broke

    Updated: 2010-08-18 09:27:47
    1) YOU TELL EVERYONE THAT YOU ARE BROKE. If you always say that you are broke then guess what: you will always be broke, your thoughts becomes your actions. Negative thoughts get you nowhere. Turn your negative thoughts into positive action. Remind yourself that although your funds are low right now it’s just temporary. See yourself [...]

  • LendingClub P2P Loan Investment Returns Update 2010 Q3

    Updated: 2010-08-18 04:35:29
    LendingClub.com is a website that securitizes person-to-person loans so that you can lend money to other people in as little as $25 increments, and you collect the interest after some fees. The idea is to replace banks and credit cards as the major middlemen used for lending. “Investors earn better returns, borrowers pay lower rates.” [...]

  • Guaranteed Personal Loan Approval – 5 Steps

    Updated: 2010-08-17 09:27:25
    The cash monster. You know it well – we all do. It is that cluster of pesky monthly bills, unexpected mishaps, car breakdowns, and frustratingly sudden medical bills that threatens to gobble up any extra cash you may have lying around the house or in your savings account. And the cash monster can strike at any [...]

  • Advance Debt Management Solutions for Senior Citizens

    Updated: 2010-08-17 07:45:12
    Many senior citizens are spending their golden years struggling with consumer credit debt and this number is increasing more and more these days. Senior citizens living on set incomes need debt management solutions these days. Debt Management Solutions Options For Senior Citizens However most debt management solutions offered today are gear toward younger folks; those who have [...]

  • Portfolio Manager Rick Ferri Shares Personal Portfolio and Asset Allocation

    Updated: 2010-08-16 08:41:31
    In a recent post on the NY Times Bucks blog, portfolio manager and author Richard Ferri shared his own personal portfolio. As a proponent of low-cost, passive investing, it was not surprising to see mostly index funds in his portfolio, but it was interesting to see that his overall asset allocation is 80% stocks and [...]

  • How to Let Your Personal Finances Sort Themselves Out

    Updated: 2010-08-13 15:51:40
    The title of this article goes against pretty much everything that personal finance writers ordinarily stand for. You are meant to worry at your personal finances according to these people: sort them out, budget them, generally check them at almost very possibly opportunity but never just leave them to their own devices. And yet, and yet: life [...]

  • Finding the Best Bad Credit Loan Online

    Updated: 2010-08-13 08:45:01
    Even if someone is bogged down with bad credit, there is no need to stress, as there are many financial institutions online that are ready to offer bad credit debt loans. Applicants can apply for these bad credit loans in a safe, secure and private environment without the exchange of any hard papers as these [...]

  • SmartyPig BBVA Compass $150 Checking Account Bonus

    Updated: 2010-08-12 07:58:37
    While clicking around on the SmartyPig site, I saw that their new partner BBVA Compass Bank has a $150 bonus for new accounts. It doesn’t seem to be limited specifically to SmartyPig users, although it is “only available in AL, AZ, CA, CO, FL, NM & TX where BBVA Compass has a market presence.” More [...]

  • Chase Checking Bonus: 100 Bucks For New Accounts

    Updated: 2010-08-12 01:15:57
    Chase has an online offer for a $100 bonus for opening a new Chase Checking account with $100 and either setting up direct deposit or making five debit card purchases within 60 days of opening. You can either open online or in-branch. Ongoing, you keep the account open for 6 months and must continue either [...]

  • Volunteers Wanted For NPR Article About Taxes

    Updated: 2010-08-11 15:58:44
    Here’s an e-mail I got yesterday from a reporter from National Public Radio, looking for some volunteers for a story that requires someone who is both willing to be open about their finances and who also keeps a close accounting of things. Jonathan – I am working on a story for National Public Radio about [...]

  • Consumer News Highlights - Racist Debt Collector Gets Nailed for $1.5-Million Judgment

    Updated: 2010-08-10 20:24:39
    Lot’s of good pro-consumer news this week. Racist Debt Collector Gets Nailed for $1.5-Million Judgment The Debt Collection Machine Collections agencies placing debt under incorrect name Second suspect in process serving case arrested

  • Outlook Worsens for House Prices

    Updated: 2010-08-10 20:12:24
    After the post credit crunch recovery, UK house prices have fallen for the first time in several months. The Nationwide index   suggests the quarterly rate of house price growth dropped from 2.2 per cent per quarter in the three months to December 2009 to 1.6 and 1.8 per cent in the first and second [...]

  • 7 Simple Ways to Find the Lowest Apr Rate Loans

    Updated: 2010-08-10 08:54:29
    When shopping around for a mortgage or other forms of loans, it is imperative that you seek out the best possible APR financing you can get that corresponds with your credit rating. Always remember that not all Apr rates that are advertised are offered to all individuals as these rates are only reserved for individuals [...]

  • 6 Simple Steps to Rebuilding Bad Credit

    Updated: 2010-08-06 09:19:59
    A credit history is a record of how responsible you have been in repaying your debts. This credit history is used to help creditors to determine what level of risk you pose if they were to give you a loan. Many may think that the best option is not to have any credit history. However, [...]

  • Can I Remortgage With Bad Credit?

    Updated: 2010-08-04 08:06:25
    Today it is very common for people to have experienced some form of bad credit. Before even if you have bad credit, you could still remortgage with no problems, but time has changed. There may not be a lot of lenders willing to provide remortgages to people with credit problems like they used to before. [...]

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