NYT: The Foreclosure Crists

I wanted to take this time to comment on a letter to the editor published in the New York Times yesterday titled The Foreclosure Crisis. (more…)

May 8, 2008 at 9:04 am Leave a comment

Credit card regulation is overdue

Great article from the Dallas Morning News on credit card companies lack of ‘expediency’ posting payments so as to generate penalties and late fees from customers who actually pay on time. Here’s an excerpt:

Editorial: Credit card regulation is overdue
06:37 AM CDT on Wednesday, May 7, 2008

For years, credit card companies have orchestrated due dates and payment postings to generate late penalties and fees – all in the name of extra profits. Enough is enough.

This newspaper was glad to see the report last week that three major financial regulators, including the Federal Reserve, have proposed rules to curb deceptive credit card practices. Separately, Congress also is considering measures.

New regulation is overdue. Creditors have been free to hike interest rates at any time and for any reason – and then apply the new rate to purchases the consumer has already made. Credit issuers also have manufactured revenue by selectively posting payments to maximize interest charges.

Read editorial

May 8, 2008 at 8:40 am 1 comment

Friday dailies

There a number of articles I’ve read today that I wanted to comment on. Some were well written and researched, others, not so much. Let’s dive in. (more…)

April 11, 2008 at 12:56 pm Leave a comment

Crap, we’re getting a tax return

Not that we won’t use the money wisely, but we sure didn’t expect to get any money back this time. We made adjustments in our W2’s to compensate for the tax return the previous year, and thought we were more than likely going to have to pay in. Well, our accountant called us to let us know that 1) we forgot to include our student loan information, and 2) even without the student loan information, we were getting around $800 back. I guess I shouldn’t complain. And, this doesn’t even include that wonderful rebate either.

April 2, 2008 at 9:06 am Leave a comment

Finally, someone else is saying it

I’ve been saying for a number of months now, how the U.S. recession is in fact not a recession. I came across this article while surfing Fox News today and I wanted to share. (more…)

April 1, 2008 at 12:31 pm Leave a comment

Econ 101 – Beer

Economics 101 as explained by a University of Georgia professor. Let’s put tax cuts in terms everyone can understand. (more…)

March 31, 2008 at 9:34 am 4 comments

A touch of frugality

Since we’ve been preparing for the new arrival, I’ve been looking at ways I could cut back on some of our costs. Mainly, considering other options to say baby wipes and laundry detergent that are easier on the budget. When the baby comes, I’ll be staying home, so any extra cash I can save us will be good. (more…)

March 20, 2008 at 10:13 am Leave a comment

When life throws you a curve ball

My husband went to his ENT (Ear, Nose & Throat) doctor because he’s been having some sinus problems. For most folks, dealing with his sinus issues, the solution is sinus surgery. There are other non-invasive procedures, but, for the most part, some type of sinus surgery is recommended. The ENT didn’t want to put my husband under because he’s a special case. By special, and to give you guys some background, my husband had a kidney transplant almost 10 years ago. Health issues have always been a concern for us and have been one of the main reasons we needed to enlist the help of Dave Ramsey. Before I get too side-tracked, the ENT doesn’t want to do the surgery but recommended a couple things for my husband to do to help. (more…)

March 17, 2008 at 12:04 pm Leave a comment

Measure twice, cut once

I came across a blog this morning run by a twenty-something soon-to-be-graduated college student. He wrote a great post on what he currently does with his money and outlines some of his post-graduation plans. It’s rare to come across a 20-year old who thinks about money management let alone investing. He asked for some suggestions and advice on how he could do things differently, so I offered a few suggestions. I thought this might help someone else, that’s why I’m posting my recommendations here. (more…)

March 12, 2008 at 9:10 am 1 comment

Have you been ICHed?

I came across an article on KETV 7’s (Omaha) website this morning about a mysterious charge appearing on people’s bank statements. According to the article, a company, listed as Ich Services, is charging folks just under $10 each month. The featured couple had no idea who this company was let alone what the services were for. They eventually had to get a new account number and canceled the older one to prevent further charges. (more…)

March 11, 2008 at 9:26 am 1 comment

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