• Judge Slaps Bank of America and Debt Collector West Asset Management Over Debt Collection Harassment

    Updated: 2011-12-31 09:00:00
    Consumer Complaints , Consumer Advocates , Debt , Consumer News , Personal Finance , Consumer Watchdog , Consumer Scams FMD Consumer News A consumer news , consumer advocate and information website to help consumers fight bad businesses , debt and expose consumer scams . Allen is well known as the Most Dangerous Consumer in America” and is a veteran consumer . advocate Home Archive ABOUT Contact Search ADVERTISE Home Consumers Debt Debt Collectors Featured Judge Slaps Bank of America and Debt Collector West Asset Management Over Debt Collection Harassment 30. December 2011 by Allen A Florida judge says a widow was harassed by Bank of America and debt collector West Asset Management in violation of state law . The kicker is that the woman didn't owe the debt . The harassment ensued because

  • The Truth About Credit Card Balance Transfers

    Updated: 2011-12-31 07:25:28
    Now, we all know what credit cards are, and they often rule the consumer capitalistic world that we live in today. In fact, in most developed countries, anyone and everyone will actually have their hands on a credit card, and the world often revolves around this plastic. So what you need to know about credit [...]

  • Free $10 Credit Towards Amazon Kindle e-Textbooks

    Updated: 2011-12-31 00:59:56
    Free 10 Credit Towards Amazon Kindle e-Textbooks Amazon.com is offering another 10 of free credit towards Kindle e-Textbooks with the code ETXTBOOK Additional directions and a place to enter your code at this link I don’t believe you actually need a Kindle to use these electronic textbooks , as there is a Kindle app for PC , Mac , iPhone , and Android phones as well . You must use it by 11:59 p.m . PST on January 9, 2012. I got this for an Amazon Student account , but it should work for . everyone Are electronic textbooks much cheaper than paper textbooks after taking into account selling the used book back I have no . idea Find more in Deals Offers 12 30 11, 4:59pm Trackback Comments Eric Says : December 30th , 2011 at 10:26 pm I don’t either so I asked my sister who’s in her last year of

  • Verizon Wireless $2 Payment Fee: Another Public Relations Fail

    Updated: 2011-12-31 00:49:19
    : Verizon Wireless 2 Payment Fee : Another Public Relations Fail On December 29th , Verizon Wireless announced via official press release that Starting January 15, a new 2 payment convenience fee will be instituted for customers who make single bill payments online or by telephone . 8221 A day later , on December 30th , after a barrage of consumer complaints and a possible FCC investigation , Verizon retracted their fee Verizon said it listened to its customers and made the decision based on customer input after many complained and some threatened to leave the service if the fee was instituted . A spokesman said that the company had just wanted to encourage consumers to pay their bills via different methods such as autopay , where they give Verizon permission to charge their credit card or

  • The Rich Index: How Much Money Do Americans Need to Be Considered Rich?

    Updated: 2011-12-30 18:34:19
    How much money do you need to be rich? Like beauty, it seems that wealth is in the eye of the beholder. Check out this infographic for some insight on how Americans define wealth.

  • Financial Counseling – What is it Worth to You

    Updated: 2011-12-30 17:17:09
    It almost seems like a step backwards. Why would we want to pay someone to learn how to keep our money, especially when what we want to do is not only find ways to keep it, but also learn how to increase it-to build wealth. But paying someone to learn how to do this just [...]

  • Free TurboTax – Free Returns, Free eFile, and Free Tax Help

    Updated: 2011-12-30 14:35:27
    , , Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Free TurboTax Free Returns , Free eFile , and Free Tax Help by Matt Jabs 10 comments Tweet TurboTax limited free offers As I mentioned the other day , I have been using TurboTax Online to file my taxes for years and have always been very happy with it . I gave you my opinion of the software so you could use the info to move forward with your own taxes I hope it helps . out Today I wanted to offer DFA readers more tax help by addressing three specific areas of : interest TurboTax Free returns TurboTax Free efile TurboTax Free tax help Regardless of your situation you

  • The Pitfalls of Borrowing From Your 401(k)

    Updated: 2011-12-30 14:16:15
    It's important to understand that a 401(k) is an investment vehicle, not an emergency fund. Withdrawing your 401(k) funds early hosts a multitude of disincentives. Read more to find out why you want to avoid this pitfall at all costs.

  • Radio Interview on Dealing with Debt Collectors

    Updated: 2011-12-30 11:15:54
    Consumer Complaints , Consumer Advocates , Debt , Consumer News , Personal Finance , Consumer Watchdog , Consumer Scams FMD Consumer News A consumer news , consumer advocate and information website to help consumers fight bad businesses , debt and expose consumer scams . Allen is well known as the Most Dangerous Consumer in America” and is a veteran consumer . advocate Home Archive ABOUT Contact Search ADVERTISE Home Consumers Debt Debt Collectors Featured Radio Interview on Dealing with Debt Collectors 30. December 2011 by allen A radio interview with Allen Harkleroad on dealing with debt collectors . Audio only with info panels . The interview covers how to deal with debt collection phone calls , dealing with debt collector harassment , and other ways a consumer can protect themselves

  • What are Online Loans? Are They Worth a Try?

    Updated: 2011-12-30 05:50:19
    Where can you go for help during financial hardships? If you have bad credit, is it still possible to get a loan? Other than asking friends and relatives for money, you can also take out online loans. However, what are online loans and are they really worth a try?

  • How to Repair Your Credit – Make Your Life Easier by Doing it Right From the Start

    Updated: 2011-12-30 00:17:14
    Like credit card companies, there are a number of credit repair facilities out there who are simply out to make money, not really help your situation. Credit cards are as common as cell phones today, just about everybody has one. But what is not well known is that not all credit repair companies are created [...]

  • How Long Should I Wait After Bankruptcy Before Applying For a Mortgage?

    Updated: 2011-12-29 19:26:49
    Bankruptcy can be quite a long and painful process, but once it is over and your bankruptcy discharge has been issued, it is time to think about the future. Re-assessing your financial status is important following bankruptcy, as you need to fully understand the implications, and of course, what steps you should take next. Getting yourself [...]

  • Timing is Everything: When Is the Right Time to Apply for a Mortgage?

    Updated: 2011-12-29 17:17:50
    Applying for a mortgage has a lot more to do with just the market conditions. Timing plays a huge role in your mortgage experience. Read more to find out when is the best time to apply for a mortgage.

  • What’s Your New Year’s Financial Resolution?

    Updated: 2011-12-29 15:50:20
    A new year is right around the bend. You're probably already dreaming up a few new year's resolutions for 2012. Don't forget some financial resolutions as well! Here are some financial steps you can take in 2012 to get started on the right foot.

  • Directors Bankruptcy – Early Action Can Help Avoid Personal Insolvency

    Updated: 2011-12-29 07:17:05
    Directors of limited companies may face bankruptcy if they have personally guaranteed the borrowings of the company. In a liquidation of a business, many creditors both secured and unsecured do not get their debts paid in full. Often the directors of the business have had to secure borrowings for the firm by providing their own [...]

  • Online Loan – How is it Beneficial?

    Updated: 2011-12-28 14:17:14
    The most convenient and easiest way of funding is reaching online financial institutions. Combat all the traditional loan problems with loans applied over the internet. Your online banks and financial institutions helps you obtain loan forms online and get your funds processed online. Your life gets easier, when you can quickly access any loan forms [...]

  • What is the Process For Those That Need Help With Debt and Choose Bankruptcy?

    Updated: 2011-12-28 07:25:51
    If you need help with debt, and you decide that you do not want an IVA or to do debt management, you need to consider bankruptcy. This is a quick guide to what you need to do. In order to declare yourself bankrupt, you must be insolvent. That means that your liabilities must be greater than [...]

  • How to Apply For Online Payday Loans?

    Updated: 2011-12-28 05:17:25
    It does not take much effort to apply for an online payday if you have all the required papers ready prior to searching for a loan. One of the first things that are required to apply for an Online Payday Loan is proof of employment and income.

  • Personal Finance – The Benefits of Budgeting

    Updated: 2011-12-27 16:06:03
    A budget is the most fundamental and effective financial management tool available to everyone and it doesn’t cost a penny. Absolutely anyone can work out their budget and simply doing so helps you to see how much you earn, how much you spend and where you are spending it. If you want to work out your [...]

  • Say Goodbye to Your Poor Credit Standing Without Using Any Collateral

    Updated: 2011-12-27 07:25:39
    Having bad credit standing is not a nightmare for the tenants with the availability of bad credit unsecured loans. It is a golden opportunity to live a standard life for the people who have lost their countless dreams because of above situation. So, you have your second shot to fulfill your dreams and end the [...]

  • CDs- Losing Money Safely

    Updated: 2011-12-26 19:25:39
    Certificates of Deposit or CDs are a great place to put money, right? Well, the answer depends on if you are the bank or the customer. As a customer you give the bank your money and agree to leave it there, at the risk of a penalty, for a certain period of time, usually anywhere [...]

  • Merry Christmas!

    Updated: 2011-12-25 11:00:00
    Merry Christmas!

  • Citi Diamond Preferred Card: 0% APR For 18 Months + $200 Statement Credit

    Updated: 2011-12-23 13:01:15
    : Citi Diamond Preferred Card : 0 APR For 18 Months 200 Statement Credit : Update The following Citi holiday promotion has ended . If you’re in the market for a top notch balance transfer credit card , check out our list of the best credit cards offering a 0 intro APR on balance transfer . s Here’s another nice 0 interest balance transfer offer it is a holiday promotion , but any time is a good time to pay down your balances even faster with less interest The Citi Diamond Preferred MasterCard now gives you 0 APR for 18 months on both balance transfers and purchases . Now , the balance transfer fee is 3 minimum 5 However , you also get a 200 statement credit after you make 500 in online purchases in your first 3 months . This means that you could transfer a balance of up to 6,650 and still

  • House Price Statistics

    Updated: 2011-12-23 08:49:32
    Despite a set back in prices since late 2007, UK house prices have not fallen by as much as might be expected. For example, UK house prices have not fallen by a similar amount to US or Spain. House Prices Since 1960 Real and Nominal House Prices Real house prices take into account the effect [...]

  • Handmade Gifts for Christmas

    Updated: 2011-12-23 06:57:21
    Come December and what’s the first word that comes to your mind? Christmas! Well, the first word that comes to my mind is consumerism! Every year with the inundation of malls and advertisements, we seem to buy more stuff, waste even more and pile up on consumer debt. This Christmas do yourself a favor, stop this cycle, and let your love shine through soulful, handmade Christmas gifts for your friends and family and see how they are relished.

  • ‘Getting Started’ Series Coming Soon!

    Updated: 2011-12-22 16:17:09
    Shortly after all the fun of Christmas winds down, we are going to be rolling out our "Getting Started" 4-week series to help you manage your money better.

  • Groupon $10 for $20 at Old Navy

    Updated: 2011-12-21 21:43:18
    Groupon 10 for 20 at Old Navy Groupon is again offering 20 to spend at Old Navy for 10 100,000+ sold already , with days left so it may sell out . I guess the idea is for some last-minute Christmas gifts . You can buy one for yourself and also one as a . gift Find more in Deals Offers 12 21 11, 1:43pm Trackback Leave a Reply Name Mail will not be published Website Required field . Comments are subject to moderation Notify me of followup comments via e-mail Please : note JavaScript is required to post . comments Subscribe to new articles via e-mail : IRA Monte Carlo Revisited : Undo Traditional IRA to Roth IRA Conversions Free Phone Calls From Google Voice and Gmail Extended Until 2013 Popular Posts 500 Credit Card Sign-up Bonuses Best Online Savings Accounts Favorite Posts on Investing No

  • A Win for Consumers - Congress Kills Robocalling Bill

    Updated: 2011-12-21 10:27:00
    Consumer Complaints , Consumer Advocates , Debt , Consumer News , Personal Finance , Consumer Watchdog , Consumer Scams FMD Consumer News A consumer news , consumer advocate and information website to help consumers fight bad businesses , debt and expose consumer scams . Allen is well known as the Most Dangerous Consumer in America” and is a veteran consumer . advocate Home Archive ABOUT Contact Search ADVERTISE Home Consumers Debt Debt Collectors Featured A Win for Consumers Congress Kills Robocalling Bill 21. December 2011 by Allen The debt collection industry has been lobbying congress to make changes to the TCPA Telephone Consumer Protection Act so that they could use automated dialing systems and contact consumers via mobile phones without prior . permission Currently the TCPA

  • Debt Collector Defendants in Payday Lending Case to Pay More Than $294,000 for Illegal Garnishment

    Updated: 2011-12-20 21:20:00
    Consumer Complaints , Consumer Advocates , Debt , Consumer News , Personal Finance , Consumer Watchdog , Consumer Scams FMD Consumer News A consumer news , consumer advocate and information website to help consumers fight bad businesses , debt and expose consumer scams . Allen is well known as the Most Dangerous Consumer in America” and is a veteran consumer . advocate Home Archive ABOUT Contact Search ADVERTISE Telemarketers Charged with Illegal Robocalling and Violating the Do Not Call Registry Home Debt Debt Collectors Featured Scams Debt Collector Defendants in Payday Lending Case to Pay More Than 294,000 for Illegal Garnishment 20. December 2011 by Allen At the request of the Federal Trade Commission , a federal court has ordered one of the individuals behind a payday lending scheme

  • Make Extra Money: 4 Factors That Will Make or Break Your Goals

    Updated: 2011-12-20 16:00:28
    Chances are you were raised to believe you should go to work from 9-5 your entire life and that was it. You probably were taught that you should focus on your career and nothing more. What if I told you that you are missing out on opportunity after opportunity to make additional income outside of your typical career path?

  • Home Mortgage -The Good, the Bad and the Ugly

    Updated: 2011-12-20 07:32:57
    What would it take for you to be ready for home ownership? Whether you are a first-time home buyer, or looking to purchase your second home, do you know about the good, the bad, and the ugly of buying a home in today’s market?

  • How to Buy Your First Home 2011 Edition

    Updated: 2011-12-19 15:28:19
    The paperback and kindle book ‘How to Buy Your First Home’ was first published in the May 2011. This provides an up to date perspective on housing and how the market has moved in the last few years. Available from Amazon Phil Spencer is well known for his TV appearances with Kristie Allsopp and has [...]

  • Average Credit Score and Consumer Debt Loads By Age Group

    Updated: 2011-12-19 10:26:56
    Average Credit Score and Consumer Debt Loads By Age Group CreditKarma.com which provides free credit scores recently released an infographic The Lifecycle of Debt and Credit Scores” that shows both the average credit score and the average amounts of different debt types by age bracket . I notice that mortgage debt jumps significantly from the 30-34 to the 35-39 bracket , and sadly doesn’t go back down to those levels until past age 80. I’m surprised by the amount of mortgage debt from the 65+ . crowd It’s also a little sad to see credit card debt being held by someone 95-99, and I also wonder why average credit scores start to decrease again after age 80. Is it because of increased money problems from health issues , or something like a you can’t take it with you” attitude click to enlarge

  • Perkstreet Checking: Best Bank If You Prefer Debit Cards Over Credit Cards

    Updated: 2011-12-19 09:52:22
    : Perkstreet Checking : Best Bank If You Prefer Debit Cards Over Credit Cards Regular readers will know that I like using credit cards for the cashback or travel rewards even though I never carry a balance from month to month or pay any interest . However , I also accept that many people prefer debit cards as they suck money straight out of your checking account . If that sounds like like you , you’re not alone when it comes to a charge card purchase , nationally it’s just as likely to be a debit card as a credit card . I get it debit cards more psychologically similar to spending cash and there is no change of racking up a balance although there are overdraft fees The best way to describe Perkstreet Financial is that it’s the best checking account if you don’t like using credit cards .

  • Bad Mortgage Lending

    Updated: 2011-12-19 09:41:57
    Northern Rock came to epitomise the bad lending that contributed to the financial collapse and the last decade of financial nightmare. After the UK lenders were bailed out by the tax payer the housing market ground to a virtual standstill. Values plummeted and negative equity and repayment problems loomed. Progressively the issues are being worked [...]

  • Groupon BuyLocal $10 Promotion

    Updated: 2011-12-19 08:01:45
    Groupon BuyLocal 10 Promotion Here’s a quick Groupon promo for both new and existing users . You can get a 10 credit after registering on this page on 12 19 and buying a local” Groupon worth 10+ by midnight 12 24. Valid for the first 150,000. Local means a physical business in your area no online deals or getaways . More details in the . FAQ Find more in Deals Offers 12 19 11, 12:01am Trackback Comments Mark Berman Says : December 19th , 2011 at 8:46 am Sounds great Leave a Reply Name Mail will not be published Website Required field . Comments are subject to moderation Notify me of followup comments via e-mail Please : note JavaScript is required to post . comments Subscribe to new articles via e-mail : Practical Gift Guide : A Few Of My Favorite Things Mastercard Savings Days 10 off 100

  • Self Certification Mortgaged Certified Dead

    Updated: 2011-12-18 15:16:54
    Self Certification Problems ‘Self-certification mortgages set to be axed! FSA’s mortgage market review, due next week, is expected to require borrowers to produce proof of income in order to secure a mortgage’ Guardian 15 October 2009 ‘Self-certified mortgages, which saw more than a million people receive home loans without proving their income, are to be [...]

  • If 2011 Was Bad For Housing What About 2012

    Updated: 2011-12-18 14:04:19
    2011 has been a very tough year for those involved with housing, property and finance. The only saving grace has been the exceptionally low rates of interest available. If you didn’t have a mortgage or loan, then getting one was likely to be problematic despite the wishful thinking of the government and their weak initiatives [...]

  • Looking for Mortgage Companies for People with Bad Credit in Oklahoma, OK

    Updated: 2011-12-16 06:41:29
    Looking for mortgage companies for people with bad credit in Oklahoma? Poor credit, bad credit, no credit -- no problem! In Oklahoma, you can get home mortgage loan financing no matter how bad your credit situation is.

  • Recent Smaller Offers Updates & Follow-Up

    Updated: 2011-12-14 09:09:11
    Recent Smaller Offers Updates Follow-Up From time to time , I post smaller deals that offer some sort of bonus or discount . This has been a feature of the blog since the very beginning my 5th post ever on was about getting 10,000 free Delta miles back in December 2004 very expired Even though credit card deals tend to be the most lucrative , and some people may scoff at getting 10 here and 10 there , I actually find it fun and if I grab them all then it adds up . I try to only include deals with national availability , minimal effort and or driving , and that don’t require any spending that you wouldn’t do otherwise . Here’s a quick follow-up just to all the deals that have been going on recently , unfortunately several are : expired 20 from American Express Serve Live . No spending

  • Looking for Mortgage Companies for People with Bad Credit in Maryland, MD

    Updated: 2011-12-13 07:19:13
    Looking for mortgage companies for people with bad credit in Maryland? No problem! Maryland bad credit mortgage lenders can help you qualify for your dream home. Whether you are a first-time home buyer, or want to purchase your second home, but have bad credit, you need to realize that there are mortgage companies in Maryland that can help you.

  • Why are House Prices so Expensive in the UK?

    Updated: 2011-12-09 11:23:12
    When my great grandma bought a house in 1911, the price of the house was £600. This was pretty much what it would have cost to build from scratch. Today the average house price in the UK is closer to £200,000. Why are house prices so expensive? 1. Demand is greater than Supply. A very [...]

  • 10 Deadly Sins Committed by First Time Home Buyers

    Updated: 2011-12-09 07:32:16
    Most first time home buyers are excited about owning their very first home. This is a dream come true for most people. But that excitement and the dream of home ownership can quickly turn into a financial disaster if not handled with care.

  • Historical Interest Rates

    Updated: 2011-12-06 11:46:14
    Readers Question: How can I find data on Historical interest rates nominal and real Graph of Interest rates since 1979 – 2011 Base Rates and Commercial Rates   This graph shows how commercial banks do not necessarily follow the base rate changes. The very low interest rates of 2009, gave many commercial banks an opportunity [...]

  • Understanding and Improving Cash Flow

    Updated: 2011-12-05 17:02:55
    Home About Archives Blog Contact Subscribe RSS Feed Free Updates YouTube Fan Us Twitter Pay off debt . Save . Give . Live your . mission Credit Scores Debt Advice Savings Blog Debt Giving Investing 25 ING Bonus DFA Missions Understanding and Improving Cash Flow by Guest Author 13 comments Tweet One of the more powerful concepts to understand in the matter of personal finance is cash . flow Most of us can easily tell the difference between being confident comfortable with our finances versus struggling with our finances . Unfortunately , many people do not truly understand cash flow , nor do they grasp the crucial role it plays in regard to their own personal finances . When you understand the concept of cash flow and can then work to improve it you give yourself tremendous flexibility

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