Daily Links: Homemade Cars and Urban Farming

Last week I appeared on a local television news magazine to discuss approaches to a frugal Christmas ... , Ben at Trees Full of Money sent me the story of his neighbor, a man who built his own 105mpg car ... , fun to drive. To read more about it, check out the official website. If you’re after [more...]

Date: 2008-11-24 01:36:23

Blog posts (363) | Videos (181)
 

The FAFSA and Credit Card Debt

Let me first start off by saying that even if your credit is has been severely affected by credit card debt, or any other kind of debt….you can still file a FAFSA and receive a Stafford loan . Your FAFSA results are not affected ... me to have to enroll my already low interest rate student loans into this debt management account. i need [more...]

Date: 2009-03-09 16:59:57

$75 billion in mortgage relief: Obama's new "Homeowner Affordability and Stability Plan" as outlined on their blog

Wednesday, February 18th, 2009 at 9:36 am Help for homeowners The President’s strategy for economic recovery is a stool with several legs, ... to refinance into a 30 or 15 year, fixed rate loan.   Through the program, Fannie Mae and Freddie Mac ... , like, Am I eligible for assistance? Might I be able to modify my loan? When do I apply? We've put [more...]

Date: 2009-02-18 17:12:00

an open apology...to ducky

I once had a car called Ducky, named after the smallish, green lizard-like creature on Land Before Time . ( ... a loan that must be signed off by a credit union, and your father , can be done "on a whim." At any rate, one day I drove off the used-car lot in it because somehow, somewhere along the line I'd [more...]

Date: 2009-02-28 00:04:00

3 Lessons in Credit Card Debt for College Students

August 25, 2008 by Mara Strom It's a conundrum. When you graduate from college, you'll want to have a good credit score ... of secured debt, such as a mortgage or car loan), then your credit worthiness will not be rated very high ... the amount they are willing to loan you based on your income and repayment history. If you've had a credit [more...]

Date: 2008-08-26 04:24:21

Blog Talk Postponed

I’m ticked - for the last hour I’ve been trying to get the talk radio format to work, with no luck. We’ll call it ‘technical difficulties’ on their end. We’ll schedule again soon! But I’m here at my post, ready to go, so I’ll take your question right here on the blog - leave a comment or email me at jim@jimklinge.com The first question: Q [more...]

Date: 2008-10-17 03:21:26

Kids Take Lessons From National Debt Binge

‘Don’t do as I do, do as I say,’ could be the governmental finger wag lecturing kids on fiscal fitness. How can we expect kids to learn about credit/debit and healthy financial management skills with restrained realism when we’re handing over the national credit card with a ‘put it on the tab’ mall mentality? [more...]

Date: 2008-09-26 02:46:43

Profiting from Payday Loans in 2009

On an otherwise normal evening in 1964, a woman known as “Miss Witness” received a disturbing telephone call from alleged loan shark Frank Sacco ... at my car and that ‘it’ would happen to me if I didn’t pay up.” The next day, the woman received another call, this time from her brother-in-law who had been using her car. He told her that a bomb had [more...]

Date: 2009-01-16 19:38:12

The Inner Workings of a Car Dealership (and How To Use Them to Your Advantage)

Yesterday a reader named Dave Black left a long comment on an old article about how to buy a new car without getting screwed. This is his glimpse into the inner workings of a car dealership. I’ve edited Black’s comment ... me, there are lots of opportunities for a car dealership to make money.   Front of the house profit is derived [more...]

Date: 2008-08-26 12:00:32

President Obama, We Need A Short-term Solution - And Now!

As Americans watch in horror as the economy is nose-diving, it becomes obvious that our nation is desperately in need of a short-term solution, ... . As previously reported, another round of credit card and auto loan defaults loom on the horizon ... as these institutions face another round of multi-billion dollar losses: “Billions of dollars in auto and [more...]

Date: 2009-01-29 23:43:13

Why not just give US the money?

Lame Duck Teasury Secretary Henry Paulsen insisted on talking again today, as did his boss, sending the markets south, ... of wealthy investors: A Treasury news release noted that in 2007, about $240 billion in car, student ... toward consumer loans in the form of credit cards, auto loans and student loans, as well as some forms [more...]

Date: 2008-11-25 19:38:09

Madd Illz’ Magnum Opus by C73

In the age of MTV/BET/VH1 and the radio filling the air waves with re-hashed crap, especially where Hip Hop is concerned, the underground deserves our attention more then ever. The phrase “Underground” doesn’t hold the weight like it used to. I remember in the early to mid 90’s everyone wanted to be a rapper or a DJ but nowadays, [more...]

Date: 2009-02-18 16:56:35

Banks Are Tightening Up On Extending Credit

One of the biggest changes you will see from the fallout of the Wall Street meltdown is banks severely tightening up on their lending practices ... getting a car loan, line of credit, and home equity loan. Here is an excerpt from a CNN article ... about their car dilemmas. Becoming upside down on a car loan is extremely common, and it puts people [more...]

Date: 2008-09-26 03:40:31

Does a Profit Driven Business Model Corrupt?

One of the big criticisms of free market economics is that markets are driven by greed. "Why would you want to allow markets to set the price of [ ... a buddy of mine enjoys doing car work. It would make sense for me to help my buddy with building book shelves and installing wood floors, while he would help me when my car needs work, because the work [more...]

Date: 2008-12-11 01:27:00

Death of the American Empire

America is self-destructing & bringing the rest of the world down with it by Tanya Cariina Hsu I believe that banking institutions are more ... . The banking industry renamed insurance betting guarantees as ‘credit default swaps’ and risky gambling ... , the Federal Reserve would loan and supply the nation’s money, but with interest. The more money it [more...]

Date: 2008-10-24 13:01:18

How to Manage Your Money More Effectively

loan In light of today’s global financial crisis, managing your money effectively has become more important than ever before ... expenses – mortgage payment, loan payments, credit card payments, food expenses, heating costs, vehicle ... a week. Take a lunch to work with you rather than going to a cafe. Use public transportation or car [more...]

Date: 2009-01-23 07:00:46

Hedge fund crisis?

Real hedge funds ought to thrive in a financial crisis. It is when market inefficiencies, dislocations and mispricings are at their greatest. The current subprime, leveraged loan and structured credit problems are nicely demonstrating ... credit risk and illiquid premiums. Long volatility strategies are really the only products likely [more...]

Date: 2007-07-26 09:19:00

Iraq snapshot

Thursday, September 18, 2008. Chaos and violence continue, a US helicopter crashes, 1 US soldier enters a guilty plea, independent presidential candidate Ralph Nader makes news even when the news outlets don't report it, this weekend's NOW on PBS examines women and politics, and more [more...]

Date: 2008-09-18 23:16:51

Battle of the Titans

For those of you that prepare yourselves, the OPPORTUNITIES will be abundant and limitless; for those that don't it could be a very difficult period. "Volatility is OPPORTUNITY" and it is still set to skyrocket as G7 Public servants, financial and banking sectors and their crony capitalist campaign supporters try to escape INSOLVENCY and transfer [more...]

Date: 2009-01-15 00:00:37

What Happens When You Default on Your Student Loans?

As the economy tanks and employment skyrockets, the number of former students struggling to pay off their student loans is likely to grow, too ... .  If you are so "lucky" to get a loan or a credit card, it will come with sky-high interest rate ... on your student loan is especially grave.  Here's a quick primer on what it means to default on student [more...]

Date: 2008-12-15 17:38:59

The weekend report - yes it's as boring as most of my weekends are

I miss Hot Brazilian. I miss him a lot. However, I can now say one good thing has come from him being out of the country for a few months ... me to use the money to pay towards my car loan (why yes, he is the most wonderful boyfriend in the whole ... . When he left for Brazil, he left his car with me. He told me I could drive it and put [more...]

Date: 2008-07-21 13:14:00

Legends of the Fall

Legends of the Fall Created at: October 06, 2008 Written by: Dr. Robert Goldberg Description: Body: Barak Obama's campaign released a horribly misleading ad about McCain's health care proposals, claiming that it would lead to millions losing health care coverage, raise taxes and hand over cash to insurance companies [more...]

Date: 2008-10-06 16:45:34

The Goal Is Credit Restoration

by Jenice Q Zenbella Now that the requirement for obtaining a mortgage are tighter than ever before, it’s vital that you have a good credit score ... , an installment loan (a car loan, for instance) and if you can, a mortgage as well. When creditors see ... . You can repair your credit after making some financial missteps, but the best thing [more...]

Date: 2009-03-06 09:59:58

Positive Parenting defeats bad genes

Good life may offset bad genes UGA substance use study By Lee Shearer | lee.shearer@onlineathens.com | Story updated at 11:59 pm on 2/22/2009 Even people with a gene that predisposes them to alcoholism or drug abuse are more likely to say “no” if they were raised by good parents, University of Georgia researchers have found [more...]

Date: 2009-02-23 21:06:26

The Law of Unintended Consequences Part 4: Stimulus, Expediency, and a Faith-Based Nation (L-O-N-G)

This is a jump-off from the Law part 3: something for nothing . _______________________________________________________ A word about the stimulus bill that recently passed (ERRA): entitlement parts of the program will serve to re-instill what Welfare Reform fought so hard to kill—generational dependency and faith that government will always [more...]

Date: 2009-02-22 14:39:00

Bush: Support Bailout or Face Protracted Recession

Items of Interest:Late newsBloomberg:JPMorgan Buys WaMu's Deposits as Thrift Is Seized by Regulators -- JPMorgan Chase & Co., the third- biggest U.S ... Harrison / Credit Writedowns:JP Morgan Chase buys WaMu out -- Obviously, this is a bankruptcy as much as a takeover by JP Morgan...They are marking down assets on WaMus loan portfolios by $31 BILLION [more...]

Date: 2008-09-25 04:36:00

Clayton Makepeace: A Conspiracy of Imbeciles

A really great article here by Clayton Makepeace on the current economic turmoil. Clayton is one of my favorite marketers - I read his blog religiously for marketing insights. At the end of his article, he encouraged people to link to the article or post in its entirety - so I am doing both. Enjoy, and prepare yourself to get riled up! [more...]

Date: 2008-10-01 13:33:00

Using Good Debt to Pay for a House, Car, or Education

Hello again! Cate here, talking, as usual, about debt. The point of my series here at Queercents is to talk about the dangers of getting into debt ... my auto loan from Capitol One and walked into the dealership with a loan ready to go–it saved ... that will produce concrete benefits to your life. The bad kind of credit card debt that I’ve talked about [more...]

Date: 2009-01-16 02:45:14

Stop The Auto Bailout Campaign

Enough is enough. Congress is about to waste more money attempting to prop up ailing dinosaurs GM and Ford ... out, the push is for an additional $25 billion in federal loan guarantees for Detroit in addition ... . According to a recent study by the Center for Automotive Research (CAR), if the domestic automakers cut [more...]

Date: 2008-11-17 22:36:00

Offshore Banking is Not Evil!

This article was previously sold as an eBook. Due to a special arrangement by the author I have been given permission to publish it in its entirety. It was originally published in 1986, and updated in 2006. The principles are the same: “Using an offshore bank account legally; paying your taxes and reporting your transactions, [more...]

Date: 2008-08-19 00:46:53

Cash Money Records (Interview)- Case Study in Cash

Regardless of your taste, if you’re a fan of the game of selling music, you then must appreciate the trade of skilled rap promoters. This savvy bunch has set the precedent in current urban music for how to build awareness from the ground up. When this is done properly, the foundation is set to hold fans in place for decades [more...]

Date: 2009-02-16 04:07:23

40 Money Tips for College Students

I remember the first day I set foot at college, it was a mixture of excitement and fear at the prospect of being on my own ... , myself included, this means graduating with some student loan debt (I had and still have over $20k ... $1,000 to your credit card at 18.90% interest, you will pay $211 in interest over the course of 25 [more...]

Date: 2008-09-24 11:43:57

No Collateral Is Needed For Unsecured Personal Loans

by Dave Davis In order to qualify for many type of loans, you will have to have an asset to use as collateral ... that are in this situation. Although this type of loan often carries a high interest rate, anyone with a solid credit ... . Individuals with poor credit will usually pay a much higher rate, or won’t be able to secure a loan [more...]

Date: 2008-10-22 09:40:09

PFBlogger Spotlight: Green Panda Treehouse

What color is US currency? It’s green. What’s one of the most content creatures on the planet? Well, one of them is a panda ... of it. I got a credit card in college and like many of my friends, I charged on it like crazy ... some of my friends (who would return the favor and use their credit card next time). I also thought [more...]

Date: 2008-08-07 16:28:03

Ordering A Dream Vehicle: Financing And Advice

Points to Ponder in buying a carBefore hurdling yourself to a nearest car dealer and drive your car, ... to look for online auto insurance company quote. There are different credit unions and even commercial banks that are willing to loan you the necessary amount of money needed to buy the car with an annual [more...]

Date: 2009-01-28 13:26:07

Auto Industry -- Take II

A couple of weeks ago, I wrote about the many, many problems plaguing GM and the other leading U.S ... , Congressional Republicans followed the same logic I espoused in that post, pushing back on these blank-check ... and Ford have indicated that they need under $10 billion apiece, and mostly in the form of loan [more...]

Date: 2008-12-04 16:56:00

Daily Update: February 19, 2009

Again, no saints to honor; so again we turn to History, and find that on this date in 1942 President Franklin D. Roosevelt signed Executive Order 9006. This order authorized the Secretary of War and U.S. armed forces commanders to declare areas of the United States as military areas “from which any or all persons [more...]

Date: 2009-02-20 00:46:28

How to Motivate Every Employee

“In thinking about motivation from a management perspective, it’s very important to appreciate this point: You can’t motivate people, you can only influence what they’re motivated to do.” “When you look at personal growth as a motivator, you change the way employees think about their work, you help them become more capable, [more...]

Date: 2008-12-16 19:17:00

Down on Wall Street: What Stories Can You Tell?

There are a few possibilities for Congress now: A re-vote on the same package (highly unlikely)A new attempt at legislation, which might include having the Senate vote firstNothing. Let the market cure itself.One thing is fairly certain: Nothing much will happen Tuesday because of Rosh Hashanah [more...]

Date: 2008-09-30 05:19:42

Commission Refunds Not Taxable!

Many of you have asked us in the past: “So when I get my commission refund in form of a check after the closing, am I taxed on this as income? ... is more than $10,000. Redfin customers typically apply their refund to closing costs, which include loan fees ... its customers a check for the excess. Prior to Redfin Direct, commission refunds in excess [more...]

Date: 2008-08-29 17:32:12

There Be Dragons

Being a former risk analyst, I slopped this article up. But it is also exceptionally-well written and offers an outstanding layman's introduction to the world of risk. And I'm not just saying that because it starts out with a quote from one of my favorite business books ("Against the Gods") [more...]

Date: 2009-01-06 00:58:00

Obama moving away from fear-based politics?

Last night, I followed Barack Obama’s non-SOTU SOTU speech in three ways: watching it, reading the release of the text, ... in this country, our recovery will be choked off before it even begins.You see, the flow of credit is the lifeblood of our economy. The ability to get a loan is how you finance the purchase of everything [more...]

Date: 2009-02-25 13:00:41

How and When to Cancel a Credit Card

Update: After feedback from readers, I’ve made some clarifications to this post. My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card can have on your credit score. My recent two-part series on responsible credit card use (Five essential credit card skills and How to choose a credit card) [more...]

Date: 2008-09-16 12:00:22

Credit Crunch; How To Get A Car Loan?

National Credit Crunch upon us, can I get a Car Loan? This is the question among Car Dealers and customers across the country! Is this a real crisis? ... . 6. Remember there is an Auto Loan For Any Credit 7. If you are a New Car Buyer, now is the time to make ... and Mortgage crisis has gained media attention because of the election, but what about the [more...]

Date: 2009-01-14 04:40:50

Credibility vs. Authenticity

Credibility vs. Authenticity At a recent industry event organized by music industry group NARIP; they revealed case study details regarding the newly formed Tag Records. Tag is a new label that was initially headed by Jermaine Dupri. The label also happens to be funded by Proctor and Gamble, and distributed by Def Jam [more...]

Date: 2009-02-11 15:49:20

Gates of Vienna News Feed 10/7/2008

The news feed is being published early tonight because both Dymphna and I are leaving and will be out until very late. Tomorrow night we’ll return to the normal schedule.USACongress Opens Hearings on Financial MeltdownJihad Still Threatens United StatesOlice Detonate Suspicious Backpack at MosqueProphet Bride Novel Published in US Europe and the [more...]

Date: 2008-10-08 00:05:00

5 Things Beyond My Understanding.... (as on 11/24/2008)

1. If Banks/Finance Sector, Why Not Car Companies?     AIG got bailed out. The Execs go on a resort holiday gig and get caught on tape . Then Mr ... . But does the credit history of a person who took the loan get modified/revised to show that the bank ... was NOT a retail banking giant. It is a credit card giant - I do not know what to term the bank [more...]

Date: 2008-11-24 21:00:00

Fear Itself is Fear Enough

A few months ago I saw squirrel get hit by a car. I had just noticed it starting to cross the street when it spotted an approaching car and froze on ... under the wheels of the oncoming car. I don't know why that squirrel stuck in my mind ... with the squirrel and the car, I'm not smart enough to foresee the details of how the folks in D.C. [more...]

Date: 2008-10-17 01:44:29

0% Global Interest Rates Totally Destroys Banking

October 29, 2008 Elaine Meinel Supkis World stock markets are shooting up like a rocket based on the perception that the G7 central bankers and ... by an orgy of 0% financing. Sounds like all those auto commercials. As we watch the entire concept ... . Just like those auto loans at a fake 0% interest rate: read the fine print and see the truth. Three [more...]

Date: 2008-10-29 14:46:57

The Time Is Now My Friends

Well, I've wrestled enough with whether or not to post this. But what the heck, here goes. :) This was tough to write being an eternal optimist and a very proud American. But I can't just sit back and proclaim "everything's going to be okay". I just don't believe it anymore - at least not for the long term [more...]

Date: 2008-09-23 03:00:00

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