tag:blogger.com,1999:blog-104374412011-12-13T19:54:08.486-08:00News and comment on all things financial with the goal, of course, of being "Broke Anonymous". My uncensored opinions on mortgages,life insurance,car donations,cred cards,debt consolidation and anything conceivably to do with climbing out of the money pit. hey, I'm just a blogger not a financial expert. If you think you read something intelligent here, run it by your attorney, accountant, or other professional advisor FIRST... I'm not taking the blame for your silly actions. Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comBlogger671100tag:blogger.com,1999:blog-10437441.post-1148064731864893452006-05-19T11:30:00.000-07:002006-05-19T11:52:11.876-07:00

How did I get a Low Interest Rate Credit Card?Easy... I didn't even have to switch cards but I turned my existing card which just yesterday was charging me over 19% into a 3.9% credit card!How?Here's what I did...First, I always get my credit card company to send me an email update of my balances.This spurs me to pay the suckers down.I hate the thought that I have ANY credit cards... I don't just

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1147137683259017432006-05-08T18:12:00.000-07:002006-05-08T18:22:08.266-07:00

If you're at the point you're saying "How do I sell my own home" this will help you prepare.When I wanted to sell my own home, I first made sure I had an attorney who would process the transaction at a reasonable fee and who knew the in's and outs of real estate.Alternatively, a closing company might be able to help you... be sure you know all your rights however.The next key when I learned how

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1142631963017648432006-03-17T13:41:00.000-08:002006-03-17T13:46:03.033-08:00

Is The Party Over??? Christopher Thornberg, senior economist with the espected UCLA Anderson Forecast, told a business group that he believes a drastic deceleration in home sales is coming. "You are starting to see a slowdown in housing market activity, and that says loud and clear that things are starting to break." He believes house prices are about 30 percent to 40 percent overvalued.

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1142528101564809082006-03-16T08:50:00.000-08:002006-03-16T08:55:01.580-08:00

Do service contracts make good Consumer Credit Sense? Many times, the service contracts or extended warranties are pure profit for the store or manufacturer. They prey on our fears at a vulnerable time but don't ever pay off.Sometimes the items are so cheap it just pays to buy a new one... anyone seen a TV repair man lately? That's a prime example. We're a disposable society so why have service

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1142288318578716452006-03-13T14:12:00.000-08:002006-03-13T14:18:38.596-08:00

In rural TN, we've seen loan agreements that create effective rates of 300% on pay day loan agreements.Many former pawnshops, tired of dusting the merchandise, simply morphed into pay day loan operations "overnight".The return on investment his HUGE with relatively no overhead.Like any addiction the first hit is free or very low cost.But the charges and interest quickly build up and some people

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1142281998063005552006-03-13T12:29:00.000-08:002006-03-13T12:33:18.076-08:00

By Rick Russell,Money is available at an all time low interest rates in market. Easy credit is luring people to take money from creditors these days. In some cases people are unable to make repayments. For people who are having difficulties in paying their debts back; debt management can provide an ideal solution. Debt management is a process, whereby people slowly reduce and eventually eliminate

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1142118610422183352006-03-11T14:48:00.000-08:002006-03-11T15:10:10.436-08:00

"Free Debt Consolidation" the ad said.Could it be true?I started to do some checking.That's how I became involved in helping people solve their debt problems. See my Debt Solution blogfor more on that though.How can ANYONE do ANYTHING for free?Even a NON PROFIT AGENCY has to pay the light bill!Not to mention, toll free phone lines, websites, and for these pay per click ads that can cost over $1

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1141849077964140332006-03-08T12:16:00.000-08:002006-03-08T12:17:57.966-08:00

As you know, we've been approved to open a branch office of a non profit debt management agency.We're very excited to help people eliminate debt and their huge interest bills.A new blog about the journey is at Debt Solution BlogI'll continue to post on this blog though!Posted by Chuck

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1141753290507488292006-03-07T09:26:00.000-08:002006-03-07T09:41:30.523-08:00

Kohl's is going to sell off its credit card business to Chase.This is good news if you need a debt management plan and want to get out of debt NOW.For personal help in TN,MN,TX,AZ,ND, WI call...931-762-9904.In other states, check out our advertisers for help in your state.Currently Kohl's lets people who are closing their account and paying it off pay much less interest than their revolving

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1140728063476731172006-02-23T12:51:00.000-08:002006-02-23T12:54:23.490-08:00

As some of you know, I am a branch manager for a non profit credit counseling operation.We recently met a man with about a dozen credit cards.To pay everything off in 3 years, he'd have to pay over $12,000 in interest.Using our system and our specially negotiated repayment plans with national creditors, we were able to shave 18 months off his repayment schedule and save him $8000 in interest! Wow

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1138314375166139342006-01-26T14:23:00.000-08:002006-01-26T14:26:15.216-08:00

From the author of Mortgage Cycling,Quickly Build At Least $40,000 Worth Of Home Equity And Pay Your Home Off In Ten Years Or Less Without Using A Bi-Weekly Plan--------------------------------------------------------------------------------By learning and understanding the following 8 mistakes, you’ll not only save thousands of dollars but most importantly you’ll eliminate the chances of not

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1128973510600228512005-10-10T12:43:00.000-07:002005-10-10T12:46:11.030-07:00

From Ron Mueller...Starting Wednesday, Oct. 19th, we will begin a four-part tele-coaching series called“Inside the Book.” The author will personally take you through “It’s How Much You KEEP,That Counts! Not how much you Make,” to help you be sure you’re taking dvantage of every home-business tax deduction you can qualify for, and help you apply them to your own specific tax situation.Following

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1128607477215884742005-10-06T06:59:00.000-07:002005-10-06T07:04:37.223-07:00

The new bankruptcy law has the courts filled with people filing for bankruptcy under the old bankruptcy law. From the TennesseanCOOKEVILLE, Tenn. — David Fabian said his decision six weeks ago to file for bankruptcy protection didn't come easily because, as a former debt collector, he's well aware of the decade long blemish it leaves on credit records.But with a new law kicking in Oct. 17 that

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1128605728086184252005-10-06T06:32:00.000-07:002005-10-06T06:35:28.086-07:00

WHY YOU SHOULD NEVER E-FILE--So far this year more than half of all 2004 taxreturns (68 million out of some 136 million)were “e-filed.” E-filing is a good idea ONLYfor people who want to INcrease their oddsof getting audited! Here’s why…On electronically-filed returns, an IRS computerwill compare every line on your Forms andSchedules with “national averages” or“industry averages.” If any

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1128605456112553132005-10-06T06:25:00.000-07:002005-10-06T06:30:56.120-07:00

Excuse the harsh language. I just couldn't come up with a better word than screw to describe this phenomenon.About 5 years ago I took out a cash advance for $1500.I was told it was 7%.Today I was told that I still owed on it and the rate was 21%.If you get a cash advance you have to make special provisions to pay it off.Otherwise, any payments made go to pay off THE LOWER INTEREST RATE.We should

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1125325073428670182005-08-29T06:00:00.000-07:002005-08-29T07:17:54.300-07:00

Popular Resume Sites are tools for identity thieves.CareerBuilder, Monster, Azjobs.com, Jobing.com and a host of other employment Web sites offer ... job applicants the ability to post their résumés. Those sites also offer personal information, addresses and work histories that are the golden ticket for scam artists and ID theft rings. Posted by ChuckAlso visit CreditRepairDude.com

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1124975853214593522005-08-25T06:15:00.000-07:002005-08-25T06:17:33.220-07:00

Judge orders largest sanction ever. Makes FDIC pay $72 Million.I can't tell all the circumstances from this article. I doubt this was a "routine" account by any stretch of the imagination.But the agency that's supposed to "protect your savings" has been forced to pay a $72 million dollar sanction.Posted by ChuckAlso visit CreditRepairDude.com

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1124414924983882442005-08-18T18:28:00.000-07:002005-08-18T18:28:45.013-07:00

New York legislature moves on foreclosure rescue scams May 17, 2005--Both New York State's Senate and Assembly have proposed legislation to shield homeowners from "foreclosure rescue" frauds. According to the bills'. supporters, elders and low-income homeowners have lost their homes to a burgeoning mix of companies and individuals who focus on homeowners with foreclosure problems. In the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1124399293174956412005-08-18T14:05:00.000-07:002005-08-18T14:09:54.100-07:00

Here's a simple recipe...Any teenager can begin.Here goes:So let me show you how four summer jobs can become your first million.Let's suppose that you are 16 years old, in high school, and willing to work. Let's also suppose that you can clear about $2,000 over the course of a summer, if only because a doting grandparent puts money in the Roth while you take your earnings to school. If you invest

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1124384139366317532005-08-18T09:44:00.000-07:002005-08-18T09:55:39.376-07:00

Libertarian Talker Neil Boor (I mean Boortz) and Congressman John Linder's new book is a smash hit. According to the Boor website,The FairTax Book will continue to reign as No. 1 on the New York Times Bestseller's List for August 28th!Having read the book myself, it makes a tremendous case for the FairTax.Since we're trying to help people be Broke Anonymous here, we commend the FairTax as the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1124370545244623222005-08-18T06:04:00.000-07:002005-08-18T06:28:56.376-07:00

A new T-Shirt displays "Mr. Housing Bubble" and declares "If I pop, you're screwed!"And someone actually thinks that's HUMOROUS!Anthony Phipps, T-shirtHumor.com communications director, said "I think it's pretty clear that there are a lot of people in fear over the potential of a housing bust," Phipps said. "A lot of individuals have made some interesting moves financially with interest-only

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1123894923506363502005-08-12T17:56:00.000-07:002005-08-12T18:02:03.523-07:00

Here's what the editors had to say about it:Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1121887222714201012005-07-20T12:07:00.000-07:002005-07-20T12:47:01.633-07:00

If your home town is on this list, beware...From Yahoo...If your hometown is on this list, the value of your house may be in jeopardy.The real estate bug bit Karen Brodie a few years ago. She left her desk job as an accountant with Fidelity Investments in 2001 and teamed up with a cousin to buy a single-family house in the Boston suburb of Dorchester for $98,000. After spending $50,000 to upgrade

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1121531646989547052005-07-16T09:14:00.000-07:002005-07-16T09:37:30.083-07:00

Tax Lien Certificates were once an investment only known to some personal investors, banks, insurance companies and pension plans.The spate of courses selling information on the subject may have stuffed more wallets than the certificates themselves.Big shots like Robert Kiyosaki of the "Rich Dad/Poor Dad" books and Robert Allen claim to own these instruments in their portfolios.What I like about

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1120586979425650772005-07-05T11:05:00.000-07:002005-07-05T11:09:39.426-07:00

From the Baltimore Business Journal...The headlines are filled with the names of companies that have hired service workers in developing countries such as India, China and the Phillipines. Such news unsettles U.S. workers, particularly those who work in industries such as information technology, which shed more than 7,000 employees during first quarter 2005, according to the Bureau of Labor

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1120586568033463002005-07-05T10:58:00.000-07:002005-07-05T11:04:54.466-07:00

Evidently the number of people living paycheck to paycheck is climbing even higher if these numbers are true.Folks used to simply take hard assets down to the pawn shop and redeem the items later if need be.Then title loan companies became popular.Now folks are just binding the next paycheck over and above these more traditional options.From the Denver Business JournalTodd Hills has seen the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1119963800276142242005-06-28T05:59:00.000-07:002005-06-28T06:03:20.283-07:00

Editor's Note: Here's another article for our UK readers pertaining to bankruptcy issues in Britain.With UK personal debt spiralling out of control beyond the £1 trillion mark at a rate of £1 million every four minutes, and the number of declarations of bankruptcy on the increase, the Government has finally implemented measures to ensure lenders know the actual cost of any borrowing. Lenders have

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1119963384667363792005-06-28T05:50:00.000-07:002005-06-28T05:56:24.673-07:00

Choosing a Mortgage Lender in the UKby Bwalya MwabaJune 23, 2005Editor's Note: Mortgages are lucative businesses so expect a variety of "players" wherever you are. Any large financial entity like an insurance company with large monthly cash flow from premiums or other subscriptions will do a mortgage to increase their rate of return. The question is whether they will do a mortgage for YOUR

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1117562534868187442005-05-31T11:00:00.000-07:002005-05-31T11:02:14.876-07:00

Columbus, Ohio- September 16th, 2004- Gone is the days of equipment and software. Today’s savvy business owners need only to reach for their phone to accept credit cards as a form of payment.Accept by phone is the perfect solution for the small business person that wants to have the ability to accept credit cards, but does not want to pay all the recurring monthly fees associated with a

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1116341909958366452005-05-17T07:54:00.000-07:002005-05-17T08:03:18.453-07:00

Payday loans are loans of a small amount, taken for a short duration of time. Payday loans are generally meant to be paid off on the next payday. Payday lenders loan out thousands of dollars every week to people who are in dire need of money. The Community Financial Service Association of America, payday loan cash advance industry extends to about $25 billion. Payday lending is often regarded as

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1115394027310624722005-05-06T08:38:00.000-07:002005-05-06T08:40:27.316-07:00

Yes, Debt Cosolidation isn't a good idea and I'll tell you why. I've done research of my own and found out some disturbing information.You've seen those long drawn out commercials full of promises to get you out of debt. They use words like "non-profit" and "conseling". To get you suckered in, then they got you. You call and you have 5 bills that are overdue. Remember the words "non-profit", okay

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112990514566099392005-04-08T13:01:00.000-07:002005-04-08T13:01:54.566-07:00

HUMAN EVENTS ONLINE :: Networks Ignoring the Coming Fannie Mae $11-Billion Bailout by Dan Gainor As I always say, the best way to predict the demise of an entity is to write a glowing book about it. Tom Collins in Built To Last wrote a glowing review of Fannie Mae. Now Fannies going down in flames. Note to self: Short companies getting glowing reviews like this... Fannie Mae, the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112819547926240702005-04-06T13:32:00.000-07:002005-04-06T13:32:27.926-07:00

The Top 10 Examples of Government Waste 1. The Missing $25 Billion What's a few bucks among friends? 2. Unused Flight Tickets Totaling $100 Million It's the D.C. Traffic and the long homeland security lines 3. Embezzled Funds at the Department of Agriculture I thought since the agricultural extension offices taught budgetting that at least these guys wouldn't end up in the red! 4. Credit Card

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112751007189078742005-04-05T18:26:00.000-07:002005-04-05T18:30:07.193-07:00

What is a balance transfer ?A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate (usually 0%) for a set period. It does not have to be the entire amount. The card receiving the balance will an interest rate for a set term, normally 6 months,

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112750705762204512005-04-05T18:22:00.000-07:002005-04-05T18:25:05.763-07:00

As a small business owner, it's wise to familiarize yourself with some key deductions that may reduce your tax bill for 2004. Employee Benefit Plans - You may deduct contributions to employee benefit plans (such as health insurance plans and retirement plans). Depending on your circumstances the maximum contribution that you may deduct per employee in a qualified retirement plan can go up to:

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112750474305844352005-04-05T18:19:00.000-07:002005-04-05T18:21:14.306-07:00

No matter how tight things are financially for you; no matter how bleak you think that 2005 might be, if you are earning a paycheck then there's extra money hiding in it. You just need to know where to look. Here are 10 ways to bring that money out into the open. 1. Get an instant raise from your boss Going in to work and demanding a raise might not be too smart, but there is a way to get one

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112750320416235952005-04-05T18:16:00.000-07:002005-04-05T18:18:40.416-07:00

The end of the year is a traditional time of celebration, excitement, reflection and planning – not withstanding the hectic holiday shopping of course. However, the end of the year also holds another, lesser-known but more significant, importance - the optimal time of the year to complete year-end financial tasks. A new booklet in the Financial Booklets Series from Marshall Rand Publishing

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112750105852526742005-04-05T18:12:00.000-07:002005-04-05T18:15:05.853-07:00

What Are Possible Signs of Fraudulent Transactions see at Web Hosting Companies? *Customer wants to pre-pay for a year*Domain Name Registration for 5 years or more*Orders using free email address providers like Hotmail, Yahoo, etc. *Usage of multiple cards to complete order. *International address. AVS can not validate those international addresses. *Multiple purchases in a short time period. *

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1112749803745492772005-04-05T18:07:00.000-07:002005-04-05T18:10:03.746-07:00

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) where US residents can obtain free copies of their credit reports from the three major credit report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair and Accurate Credit Transactions Act enacted last December. The site was set up in an effort to help fight the increasing

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1110486092496264292005-03-10T12:19:00.000-08:002005-03-10T12:21:32.500-08:00

Imagine leaving a window open all winter long -- the heat loss, cold drafts and wasted energy! If your home has a folding attic stair, fireplace or clothes dryer, that may be just what is occurring in your home every day. These often overlooked sources of heat loss and air leakage can cause heat to pour out and the cold outside air to rush in -- costing you higher heating bills. Air leaks are the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1110384953392012612005-03-09T08:15:00.000-08:002005-03-09T08:15:53.393-08:00

As a special offer to our readers, we're linking to this special offer for a free Free GE Alarm System & Free Installation: "LICENSED - BONDED - INSURED Because every home is different, we want to make sure we set up the proper alarm system for you. One of our expert home protection consultants will call you today when you complete the form below. (We usually call back in less than an hour

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1110382704942835242005-03-09T07:35:00.000-08:002005-03-09T07:38:24.946-08:00

Refinancing has become a valid option for many individuals with high interest rates on their mortgage. Refinancing is essentially a replacement loan, with a different lender and (hopefully) a lower interest rate.So why would you choose to refinance?You may be able to take advantage of lower interest rates. You may also be able to extend the repayment period of your mortgage. While you will end up

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1110247852311258512005-03-07T18:09:00.000-08:002005-03-07T18:14:06.236-08:00

I saw this and thought you might want this update before tax time! ChuckHome office deductions are one of the perks of working from home, however, there are clear drawbacks too. If you meet the IRS guidelines for deducting your home office, you can expect to get a hefty tax break. On the other hand, deducting your home office can increase your chances of getting audited. Additionally, by claiming

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1109647361475443592005-02-28T19:20:00.000-08:002005-02-28T19:22:41.476-08:00

Before becoming an attorney, Bruce Castro was a real estate investor.Here is his free online course on "No Money Down Real Estate Investing"This course teaches you to Buy houses with Absolutely Nothing Down! Even get Cash back at close of escrow! Cash back! No Down Payment at all! Learn to make money in real estate-- Learn to find No Money Down Loans for Creative Financing and No Down

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1109647053277361392005-02-28T19:16:00.000-08:002005-02-28T19:18:51.226-08:00

Here is the link to Bruce Castro's do it yourself credit repair course!

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1109646892662321752005-02-28T19:09:00.000-08:002005-02-28T19:14:52.663-08:00

I like attorney Bruce Castro's honesty when it comes to discussing Credit Repair and Bankruptcy.The truth is that bureaus have no obligation to remove accurate information-- and your creditors have no obligation to request that bureaus remove that accurate information. BUT THEY DO! and they do it EVERYDAY! WHY? Thanks to the many laws that have been enacted by our government for your benefit,,

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1109172695065904822005-02-23T07:31:00.000-08:002005-02-23T07:31:35.066-08:00

Greenspan THEN: We need the gold standard (Opens in a new window) "In the absence of the gold standard, there is no way to protect savings from confiscation through inflation. There is no safe store of value. If there were, the government would have to make its holding illegal, as was done in the case of gold."

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1109170755712146852005-02-23T06:59:00.000-08:002005-02-23T06:59:15.713-08:00

FOXNews.com - Business - Groups Warn of Payday Loan Risks (Opens in a new window) DALLAS — Consumer groups are warning about the proliferation of payday loan stores (search) and are urging customers to be aware of the risks involved in short-term, high-interest borrowing. "Payday loans are a debt trap because consumers get started and have trouble paying off the loans out of their next

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107788224817424352005-02-07T06:57:00.000-08:002005-02-07T06:57:04.816-08:00

Moratorium on new online college courses sought - Saturday, 02/05/05 State institutions not wanting to lose out in the online degree world and who wish to capitalize on their main claim to fame - accreditation - face a new obstacle as legislators fear there may be unnecessary class duplication. And why not? As state institutions, all costs for expansion ultimately find their waya back to the

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107550030737343372005-02-04T12:47:00.000-08:002005-02-04T12:47:10.736-08:00

President Bush is touring the country promoting his plans to bail out Social Security. A working model of an alternative to Social Security is already working in the US...in Galveston, TX It's been operating there since 1981 for county employees who opt out of Social Security. There should be ample opportunity to study the matter, but it won't be properly studied. It's much too likely to show

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107534349317423752005-02-04T08:20:00.000-08:002005-02-04T08:30:13.930-08:00

Enron, discredited because of fraud related to their business evidently had a pattern of fraudulent dealings with its customers. By November 1997, Enron apparently knew of loopholes in California's ill-advised deregulation plan, and by May 1998 -- a month after the plan took effect -- Enron was already falsifying transmission schedules to inflate prices, Snohomish County Public Utility District

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107531227100260602005-02-04T07:33:00.000-08:002005-02-04T07:34:23.396-08:00

Despite the rise in the lending rate the Fed charges banks, long term mortgage rates have responded by going lower... from 5.66% to 5.36% according to "Freddie Mac" 15 year mortgage rates were down as well this week. Rates on one year adjustable rate mortgages went from 4.18% to 4.23%. Individuals can monitor mortgage rates at sites such as BankRate.com

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107450158701186972005-02-03T09:02:00.000-08:002005-02-03T09:02:38.700-08:00

Spam Arrest helps you Stop Spam in its tracks. Spam is responsible for most of the damage done by viruses and for lost time and efficiency. A variety of filters exists but they prove to be rather mindless and may end up blocking more legitimate email than they will admit. One method to stop spam besides the "filter" is to require authorization. This service provides a free version you may

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107445991774736732005-02-03T07:47:00.000-08:002005-02-03T07:55:20.060-08:00

Credit card rates fluctuate as the prime lending rate fluctuates. The rate went up yesterday, so so did your credit card rate most likely. Here's a reminder to lower your credit card rate. Often it's as easy as a phone call. Call your credit card provider. Ask the customer service person kindly what the rate is... then ask them to reduce it... no matter what it is. They can't kill you for

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107359400763392602005-02-02T07:50:00.000-08:002005-02-02T07:50:00.763-08:00

Federal Reserve likely to bump rates higher. Mortgage rates will be affected. The federal funds rate is expected to move to 2.5%. The funds rate, the interest banks charge each other on overnight loans, is the Fed's primary tool for influencing the economy. This increase in the "cost of money" to banks will have a ripple affect throughout the economy. Un-named Economists only expect the rate

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107188767764098922005-01-31T08:15:00.000-08:002005-01-31T08:26:07.763-08:00

According to Dan Pink the author of FREE AGENT NATION, obtaining reasonably priced health insurance makes or breaks people desiring to be free agents or self employed. Health insurance has gone from being a financial safety net in the same way our car insurance is to being prepaid service delivery. I.e. car insurance pays for damages, not routine maintenance. Health Insurance quoutes can vary

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1107187977371718202005-01-31T07:58:00.000-08:002005-01-31T08:12:57.370-08:00

Sometimes people want to know what's "mutual" about mutual life insurance. So let me define that... Historically, there were two forms of life insurance (or any other insurance for that matter)... "Mutual Life Insurance" or "Stock Life Insurance". A mutual life insurance company is "owned" by the policy owners. Like any life insurance policy, the policy costs are based on the mortality

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106964266524931332005-01-28T17:57:00.000-08:002005-01-28T18:04:26.523-08:00

Many people request a resource for Bad Credit Loans This link leads to a database of little known bad credit loan lenders. Bad credit is not a hindrance to receiving a loan. However interest rates and fees MAY be prohibitive. In fact, it may be in your best interest - if seeking a bad credit loan - to try alternatives like family members. Remember if the purpose of your loan is to pay off an

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106963801854796982005-01-28T17:48:00.000-08:002005-01-28T17:56:41.853-08:00

Want a Free Credit Report?. Free Online Credit Reports - Perform a credit check today and order your Equifax Credit Report, Experian Credit Report, TRW Credit Report, Trans Union Credit Report, credit score, and 3 credit bureau reports with score online. If fixing your credit is your aim (Dave Ramsey says not to care, but you may care anyway!), you've got to start SOMEWHERE. So start here

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106859615907876362005-01-27T13:46:00.000-08:002005-01-27T13:00:15.906-08:00

Term Life Insurance ... it's not what you think. Back in the hey day of "Buy Term and Invest the Difference", folks were told "Buy Term, not Cash Value Life Insurance". There's just one problem with what went on... 1. A misunderstanding... Whole or cash value life insurance IS term life insurance. (I'll explain why it's term life insurance in a minute). 2. What people were getting instead

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106861456373522462005-01-27T13:13:00.000-08:002005-01-27T13:30:56.373-08:00

What's the value of an online college degree? Alot. Or nothing. It all depends. (Don't you hate it when I say that? But that's why you keep coming back!) First, don't confuse an online college degree with the old days of "correspondance school". Perhaps you're old enough like me to remember ordering a correspondance course, getting a bunch of books and tapes in the mail... and promptly not

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106845888003764442005-01-27T09:02:00.000-08:002005-01-27T09:13:18.986-08:00

You know the local economy is treading water and not doing so well when the only "growth" industries seem to be dollar stores, used car lots, and payday loan businesses. In my neck of the woods, the payday loan folks want to get you initiated into the grand world of being owned by the company store by offering to cash a $200 check and only request to be paid back $203 in a week or two. Most

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106845026667884222005-01-27T08:49:00.000-08:002005-01-27T08:57:06.666-08:00

How does Warren Buffet (www.berkshirehathaway.com) choose a Car Insurance company? The reason his investment firm owns a huge chunk of GEICO auto insurance is twofold. He purchases companies he believes can be bought at BARGAIN PRICES relative to their true earning potential and, in his words, the company was positioned to save the average driver up to 40% on auto insurance. This is important

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106841952165166382005-01-27T08:05:00.000-08:002005-01-27T08:05:52.166-08:00

Revised IRS regs regarding the deductibility of a charitable Car Donation are in effect as of 1.1.2005... Your Car Donation can still help you financially AND help the charity of your choice continue it's work. Should your car donation go to some big national outfit with a fleet of car carriers roaming the country waiting for your call? Or should your car donation go to a local outfit?

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106841611573851852005-01-27T08:00:00.000-08:002005-01-27T08:00:11.573-08:00

Taking on the Asbestos Trial Lawyers These trial lawyers are going to be the death of us. Some studies have shown that when a society produces more lawyers than engineers, it's headed down the tubes. Guess where we are in this ratio? Trial lawyers love to sign up a million people to "represent" (who never wear out the carpet or furniture in their office) charge $300 per hour, get a huge

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106840757737172232005-01-27T07:39:00.000-08:002005-01-27T07:48:21.193-08:00

Well folks, the mortgage rates area starting to climb as the fed raises rates ever so slowly, playing God with the money supply. Mortgages are still going like hot cakes in California as people are seeking to maximize cash flow and eek out those last few dollars of disposable income from an already maxed out financial plan. Doomsayers (myself included) have asked ... "How much longer can

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.comtag:blogger.com,1999:blog-10437441.post-1106839414905086272005-01-27T07:23:00.000-08:002005-01-27T07:23:34.906-08:00

The topics will be all things financial with the goal of becoming "broke anonymous"

Chuck H.http://www.blogger.com/profile/15002289001224635333noreply@blogger.com