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What is the best credit card to apply for online?

I want a limit of maybe 10,000 dollars to help with my wedding. I also currently have a credit card, my only credit card of 3,000 dollars that I would like to pay off with the new credit card. I have very good credit so I really dont think that will be an issue.

I just wrote an article on this very topic.

I would definitely go for a Visa or Mastercard. You can use any main company (Bank of America, Chase, etc.). Just do a quick comparison on those sites and see which one offers the lowest rates for the longest period of time. If you are transfering a balance, don’t forget to see what the balance transfer fees are!

Just look for the ones that are offering a zero percent interest rate (and a rewards program would be nice). Make sure to only do this from secure websites that are from the actual companies. Good luck, and I hope you have a blessed marriage =).

http://www.Credit-Card-Advice.com/

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What is the Journal Entry for Real Estate Mortgages already in effect?

I need to record mortgages that are already in effect (cleaning up the books). How do I do this without debiting cash? Debit Building (Fixed Asset) and Credit Mortgage Payable? This doesn’t account for the fact that the current mortgage isn’t the purchase price of the real estate.

First I need to know why it was not on the books in the first place and what type if business you are talking about. If it is a corporation is the mortgage in the name of the owner or the corporation??? If a proprietorship it really doesn’t matter. Just debit building and credit mortgage. Your basis will just be different than the book value. If it is a corporation and the mortgage is in the owners name it does not belong on the corporate books. If it is on the corporate name then you need to record it properly and probably restate prior periods for depreciation interest etc.

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How to hack RFID-enabled Credit Cards for $8 (BBtv)

A number of credit card companies now issue credit cards with embedded RFIDs (radio frequency ID tags), with promises of enhanced security and speedy transactions.

But on today’s episode of Boing Boing tv, hacker and inventor Pablos Holman shows Xeni how you can use about $8 worth of gear bought on eBay to read personal data from those credit cards — cardholder name, credit card number, and whatever else your bank embeds in this manner.

Fears over data leaks from RFID-enabled cards aren’t new, and some argue they’re overblown — but this demo shows just how cheap and easy the “sniffing” can be.

This episode is part of our ongoing series of interviews with some of the thinkers, hackers, and tinkerers at the O’Reilly Emerging Technology conference this year.

For more episodes of Boing Boing tv, visit tv.boingboing.net.

Duration : 0:3:23

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Technorati Tags: card, credit, Hack, identity, RFID, sniffer, theft

Posted in credit | 25 Comments »

Underwater Mortgage? Walk Away!

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Duration : 0:3:26

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Technorati Tags: Business News, davis fleetwood, financial crisis, foreclosures, Hamp, Making Home Affordable, Morgan Stanley, Mortgage Walk Away, mortgages, Stuyvesant Town, Walk Away, Walk-Away-From-Mortgage

Posted in mortgages | 25 Comments »

Loan Modification & Foreclosure Prevention (You DONT Need to Pay)

Loan modifications are done at no charge by HUD approved counselors, there is no need to pay a fee to so called “loan modification experts” that you see on the internet and on YouTube. Don’t fall victim to another scam, contact a HUD approved counserlor if you need a loan modification.

About this video: This community event was put together by the City of San Jose Housing department (Robert Lopez), the Department of Real Estate, HUD approved couselors, non-profit legal aid agencies, SCCAOR members and CAMB approved counselors with the main purpose of assisting homeowners with their loan modifications and to help prevent more foreclosures.

More information at:
sccrealestateuncensored.com/2008/what-is-a-loan-modification/

sccrealestateuncensored.com/2008/loan-modification-foreclosure-prevention-event-in-san-jose/

micasamidinero.com/2008/que-es-una-modificacion-de-prestamo/

micasamidinero.com/2008/modificacion-prestamos-prevencion-foreclosure-san-jose/

Duration : 0:3:11

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Posted in loans | 21 Comments »

John Denver 1995 – Poems, Prayers & Promises ( BEST QUALITY )

TO SEE&HEAR this in HIGH QUALITY:
http://www.youtube.com/watch?v=N7P8pPYSXhk&watch_response&fmt=18

Life is short. Live, laugh, enjoy and thank God for every day.

If you were or are still a fan, this rendition will probably make you tear up.

With John’s untimely death, the words are just all that much more evocative.

***********
The Wildlife Concert was John Denver’s last TV Concert. It was taped in New York City in February 1995 and is available on DVD.

Great buy – almost 2 hours of John at his very best.

Duration : 0:4:30

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Technorati Tags: Denver_remembered, Denver_tribute

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Loan Modification – Part 3: Home Mortgage Bailout – Real Estate Foreclosure Prevention Process

Loan Modification Attorneys Negotiate Home Mortgage Bailout – Foreclosure Assistance Plan – Real Estate Foreclosure Prevention Alternative To Fraud and Scams. http://ModificationHotline.com Will Help You Survive The Mortgage Meltdown Crisis by Modifying Your Home Loan. Avoid Foreclosure and Bankruptcy. Get Your Bailout Today.

At http://ModificationHotline.com You Can Claim Your FREE Copy of My Latest Report:
“THE FORECLOSURE SHARKS: A Look At The Rampant Theft Of Americans’ Homes Through Foreclosure ‘Rescue’ Scams”, and While There Also Sign Up For a FREE Consultation With Our Approved Foreclosure Prevention Specialists.

Go To http://ModificationHotline.com and Complete Our Easy Form – It Takes 2 Minutes and Can Help You Save Your Home.

Duration : 0:10:38

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Looking For Loans in All The Wrong Places Part 3 (of 3)

Final Part

Duration : 0:4:12

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Technorati Tags: All, becky, dan, darlene, david, dj, for, in, jackie, loans, looking, mark, places, roseanne, the, wrong

Posted in loans | 25 Comments »

What does your credit score start out as?

I just turned 18 in the end of October. What would my credit score be now? What does it start out as? What is the eastiest way to build your credit score? How long does it take to build your credit? Do you get points per month or what?

it starts off as nothing. If you get negative info it starts at 300 and up.
when you create credit for about 3 months you will get a score. After about 6 months it will create a history report of statistics, only for getting more credit(you will not see this).Credit depends on many things, 1 credit card on a blank credit can get you a 700 it doesnt mean banks will trust you. It takes time and accounts being paid back.

if you are looking for the free credit score and report usa national site, check out this site

http://free-credit-report-national.com/

Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.

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Does having a good credit score in USA help in obtaining better credit terms in Canada?

I have a credit score greater than 760 in the US. We are planning to move to Canada and buy a home there. Do Canadian lenders have access to/consider US Credit Score when considering an application for credit?

They may have access and they may not have. You should obtain a printout of your credit history before leaving the US, preferably within the last 30 days prior to leaving, and present it within the same month to a recognised Canadian credit reference agency and ask for it to be included on their database. Should do the trick!

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