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Is a Credit Card a Right or a Privilege? – Personal Finance Bloggers Question of The Week

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This weeks personal finance brain trust question was: Is having and using a credit card a right or a privilege? WC – A 27-year-old writer living in Chicago and writing about personal finance through The Writer’s Coin. This one’s easy: this is a service. So if I had to pick I would say it’s a privilege. When I was a ... Read More »

Worth Reading – New Tack in Default Battle: Cutting Mortgage Principal

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Reducing the principal on mortgages is “a last resort,” says Paul Koches, executive vice president at Ocwen Financial Corp., a West Palm Beach, Fla., loan servicer that has shrunk the amount owed on 10,884 delinquent mortgages as of Sept. 30. That is 23% of all the loans modified by Ocwen so far this year. Ocwen estimates the company’s foreclosures result ... Read More »

Credit Card Companies Are Coming For You. Protect the Wife and Children.

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I see a new advertising campaign in our future. When Banks Panic You Lose Even though the Federal Reserve has lowered its rate to 1%, banks are raising your interest rates in hopes of making a bigger profit. Oh yes, they are raising your fees or charging news ones as well. At a time when the government is pleading for ... Read More »

TEDTalks : The design of the universe – George Smoot (2008)

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At Serious Play 2008, astrophysicist George Smoot shows stunning new images from deep-space surveys, and prods us to ponder how the cosmos -- with its giant webs of dark matter and mysterious gaping voids -- got built this way. Read More »

Somali Pirates Are a Good Credit Risk. Maybe They Need An American Express Card?

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The hijacking and hijinks of the pirates in Somalia have been in the news. Apparently a new home based business has sprung up off the coast of Somalia as armed pirates board shipping vessels and hold the ship and crew for ransom. The hijackers have a favorite part of the coast to park their ships while they await the ransom ... Read More »

Ed is Disabled and Falling in Debt Fast. What Can He Do?

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“Dear Steve, I am disabled and falling in debt faster than i can handle. I am barely staying alive with trying to feed my family. I am behind on my mortgage and regular bills (utilities). I stopped paying on my credit cards just to try and keep my utilities from being disconnected. credit card companys are calling me constantly for ... Read More »

One Million Free Airline Tickets

Ryanair Free Seats

One of the things I loved to hate when I lived in the UK recently was the airline Ryanair. The flight were mostly on time but at outlying airports. The cabin staff was not great but always managed to get their little cart with sandwiches you could buy down the aisle. Ryanair was the first airline I ever flew on ... Read More »

What I’m Reading and Watching Today

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I do more than just write answers to questions, I read as well. And my days involve math as well. It’s like being back in school, but this time with a calculator and spell check. Oh where were you when I needed you. Back then we had flash cards and now we have flash RAM. I still remember when my ... Read More »

C Wants to Defer Student Loans Without Hurting the Credit Report

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C “Dear Steve, I paid my way through college and fortunately could afford to take out only subsidized Stafford loans amounting to $10,000. After graduating I planned to find a full time job but have only found part time temporary jobs. I clustered these jobs over the last eight months and have been able to pay down my debt to ... Read More »

Stop Debt Collectors – 100 Pages of Good Advice

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I didn’t tell Gerri Detweiler that I was going to purchase her book and secretly read it. I knew she would have sent me a free copy if I had asked but I didn’t want our friendship to cloud my review of her new book “Stop Debt Collectors: How to Protect Your Rights and Resolve Your Debts”. The book can ... Read More »

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