From the category archives:

Credit

How the Ratings Agencies Complicit in the Housing Collapse Are Actually Saving the World

This is not a theme you’ll see in the mainstream press, but it’s the truth.  Unfortunately, you can’t prove what “might have been” if it doesn’t come to be, but read on and tell me where I’m wrong.  The same ratings agencies that are fodder for everyone from Obama to European leaders for their utter [...]

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Chase Freedom Visa – 5% Off on Amazon.com Purchases and $100 Bonus

If you’re in the market for a great cash back credit card or you’re a big user of Amazon.com (I am!), you should check out this latest offering from Chase Visa.  Here’s the scoop: Get a $100 Bonus after spending just $500 within the first three months. 0% APR for 12 months on balance transfers [...]

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Debt – Which Camp Are You In?

It’s pretty amazing what a substantial part of our everyday conversation revolves around debt.  Debt issues, deficits and creditworthiness have grabbed national headlines stemming from the downgrade of US debt by S&P and is now a key issue in the presidential candidate debates.  At the household level, virtually all of us incur debt of some [...]

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I’m Borrowing $50,000 From My 401(k) – It’s My Best Option!

There are tons of articles out there waring about the dire consequences of borrowing from your 401(k) – you know, not earning money on the withdrawn amount, double taxation, early withdrawal penalties and having to repay immediately if separate from the company…I’m going to lay out why my particular situation and outline why none of [...]

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Debt Ceiling Vote Explained – What Media ISN’T Telling You

The debt ceiling vote was consummated on August 2, 2011 just in time to avoid a technical default on US government obligations.  I’ve been tracking this issue of the US hurtling toward bankruptcy for the entire year and this is a more current update to my initial post predicting how this whole charade would play [...]

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5 Ways to Avoid a Bad Credit Rating

In an era of extremely tight (albeit cheap) credit, your credit rating is king these days.  Therefore, it’s worthwhile to visit some of the top mistakes people make that knock their credit score down.  Some of these are honest mistakes and one might not even think should impact credit, but they do. Paying Late – [...]

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$200 Bonus on Chase Freedom® Visa

The $200 Bonus on Chase Freedom Visa is tops among multiple credit card companies upping their marketing campaigns this year. I love competition.  Now that the big banks are out from under their TARP money-grubbing frenzy, they’re starting to loosen up the purse strings and begin offering lucrative credit card deals again.  And once one starts, [...]

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Multiple Approaches to Resolving Debt Issues

With millions of people mired in debt problems, this malady is one of the largest challenges facing society at large.  See, this situation is so widespread and endemic to society that the lack of free cash flow in personal budgets curtails consumer spending and investment.  This then spills over into national GDP output, new business [...]

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3% Cash-Back Card = $500/Year Tax Free!

I’d been thinking about our cash-back rewards from the one credit card we do most of our spending on and decided it’s time to focus on the categories we spend the most on and optimize our cards and usage to get even more cash back each year.  For years, we’ve always enjoyed tax-free cash-back rewards [...]

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$250 Limited Time Signup Offer – Chase Sapphire Offering Best Bonus to Date!

It seems like credit card companies are finally opening the spigot after years of lackluster rewards and signup bonuses.  For a limited time only, you can now get 25,000 bonus points by opening a Chase Sapphire card and spending $3,000 on the card within the first three months.  If your spouse is anything like mine [...]

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