Dynamic Maps of Bank Card and Mortgage Delinquencies in the United States
by NY Federal Reserve
What are the delinquency rates of credit card and mortgages? You may be surprised to find out the facts.Use this interactive map to see what the delinquency rates are in your state--even in your county!
DebtSmart Email Newsletter: 12/10/08
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Paying off debt is hard work; STATISTIC: Consumer Bankruptcy Filings Up; Emergency Economic Bailout Bill Extends Tax Breaks for Individuals ; "We the people..." of Debt; "Debt Settlement"; Why banks are boosting credit card interest rates and fees; Household Math™: Coupon Shopping; Dynamic Maps of Bank Card and Mortgage Delinquencies in the United States; Work-At-Home Jobs That Really Work!
"We the people..." of Debt
by IOUSA The Movie
Wake up, America! We're on the brink of a financial meltdown. I.O.U.S.A. boldly examines the rapidly growing national debt and its consequences for the United States and its citizens. Burdened with an ever-expanding government and military, increased international competition, overextended entitlement programs, and debts to foreign countries that are becoming impossible to honor, America must mend its spendthrift ways or face an economic disaster of epic proportions.
Rate jacked-up to 21.99 percent
by Scott Bilker
Last week my Bank of America American Express card took a major rate increase. I had a fixed 7.99% rate which I enjoyed for two years. I carried a high balance on this card because I purchased a nice motorcycle with it two years ago. My rate went from 7.99% up to 21.99%. No late payments to them or anybody else.
You Cannot Afford To Say, "I Can't Afford It"
by Michael Angier
Every week I get emails from people thanking me for all the great stuff we send their way. But many of them also apologize for not buying some of our other products or the products and services we very selectively recommend to them. They say things like, "I have no money," "I'm broke," "I'm poor," or "I can't afford it." Every time these or similar words are uttered, we're telling ourselves that it's true. We are reinforcing this false belief.
Household Math™: How Much House
by Scott Bilker
Sandy finds a bank willing to give her a 30-year, fixed-rate mortgage. They require her to give a 20% down payment on the purchase of her home. The interest rate (APR) is 8.4%, and she must pay 1.5 points, which will be rolled into the mortgage. After property taxes, PMI, etc., Sandy can afford $1,500 per month on the mortgage payment. What is the maximum price of the home that she can purchase?
DebtSmart Email Newsletter: 11/26/08
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; Rate jacked-up to 21.99 percent; STATISTIC: Homes worth less than mortgage; You may have an unknown savings bond; You Cannot Afford To Say, "I Can't Afford It"; "Outraged and discouraged, I came across your website..."; Rise of the neo-hagglers; Household Math™: How Much House; Ending the Paperwork Nightmare; Americans look forward to a happy, but less plentiful, holiday season
DebtSmart Email Newsletter: 11/12/08
by DebtSmart Email Newsletter
Letter from the publisher; Cool Quote; I am horrified--they want to know what I am going to do with the money!; STATISTIC: Credit card direct mail is falling; Counseling seen as little help in bankruptcies ; Big Money Problems; "I can do this!"; Banks Using $700 Billion Bailout To Buy Other Banks, Not Make More Loans; Household Math™: Car Purchase vs. Car Repair; How to profit from cash-back credit cards; In This Economic Meltdown, Anything Goes: Allowing inmates to run the asylum
How to profit from cash-back credit cards
by Curtis Arnold
A little extra cash in your pocket sounds wonderful, doesn't it? Maybe you could use it for a nice dinner out on your birthday, a movie night out with that special someone, a rainy-day shopping spree, college savings for you or your child, or even a way to help pay down your debt. For all these reasons, and thousands of others you can imagine, a cash-back credit card might be the perfect fit for your wallet.
Big Money Problems
by Terry Rigg
Are you scared, worried, unsure of what to do, frustrated, embarrassed and humiliated because you can't pay your bills and put food on the table? What happened? Did you lose your job? Maybe you are sick or hurt and can't work. Did an unexpected expense rip your finances to shreds? Maybe you just used those credit cards too much or bought a house that was more than you could really afford.
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