Archive for November, 2009

How long does it take a credit card company to process a credit card application?

Monday, November 30th, 2009

I just submitted an application for a secured credit card about a week ago and the credit card company debited the $200 from my checking account that I would need for a security deposit and I still haven't received my credit card yet. When do you expect that I should ...

What type of advertising is permitted for first mortgages vs second mortgages?

Monday, November 30th, 2009

What is permitted and what is not permitted for advertising first and second mortgages? Is there a diffreence? According to RESPA, what type of advertising is permitted for first and second mortgages? Is there a difference? There is no difference. They can advertise however they want. What is controlled is ...

Can student loan interest be used as a tax deduction if the loans are in deferment/forbearance?

Monday, November 30th, 2009

I know that student loan interest can be deducted. My student loans are all either in deferment or forbearance. I'm accruing interest on some of them, but I haven't actually paid any interest yet. Can I deduct the interest that accrued? Thanks! No, you can only deduct the interest when you ...

Portal – “Still Alive” Credits Song

Monday, November 30th, 2009

Click (more) for download links. The ending/credits to Portal (part of Half-Life 2's Orange Box) with the "Still Alive" song. 'Still Alive' by Jonathan Coulton. http://www.jonathancoulton.com Sung by Ellen McLain (voice of GLaDOS and the turrets) DOWNLOAD THE MP3 HERE: http://rapidshare.com/files/61557794/Jonathan_Coulton__Portal__-_Still_Alive.mp3 (Click 'Free' on the bottom for RapidShare downloads) http://www.megaupload.com/?d=P56QRZ2I Radio Mix version (for ringtone use): http://rapidshare.com/files/61952458/looping_radio_mix.wav http://www.megaupload.com/?d=99X9ZJ7IDuration : ...

ROAD TO RUIN: Mortgage Fraud Scandal Brewing

Monday, November 30th, 2009

Criminal fraud may be the most underreported aspect of our current financial crisis. In this "Road to Ruin" report, former subprime lenders from Ameriquest, once the country's largest lender, describe a system rife with fraud. They describe how a "by-any-means-necessary" policy pushed employees to cut corners and ...

Monkey Dust – Devil Loans

Monday, November 30th, 2009

**Contains strong language and images some may find offensive** Worried about increasing debts? Falling behind on your mortgage repayments? Creators of animated comedy Monkey Dust have an idea on how you might save yourself from money worries.Duration : 0:2:32

What type of credit card can I apply for and get approved with current bad credit to start rebuilding?

Sunday, November 29th, 2009

Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score. Secured credit card would ...

Public Records Reading- Mortgages, Do home equity loans show or just reverse and second mortgages?

Sunday, November 29th, 2009

I read public records when doing RE research so I'm wondering. I guess that only second and reverse mortgages show. And why would someone choose a second mortgage vs home equity loan? Are we saying that a home equity loan automatically shows as a lien? all mortgages and liens against ...

About graduate student loans, is it possible to deduct paid interest from taxes paid later when at work?

Sunday, November 29th, 2009

If both spouses have asked for loans , does it make any difference to make a deduction if one or both are working after they graduate ? The student loan interest deduction can be taken in a year you make loan payments which include interest. It can be a year ...

How to repair credit to purchase a home in the near future?

Saturday, November 28th, 2009

I have read through a lot of the questions that have already been asked but I have yet to find exactly what I am looking for. I have been slowly but surely paying off some of the items on my credit report, all of which are delinquent by several ...