Archive for March, 2008

<b>Identity Theft</b>: Your State Attorney General’s Website and Toolkits

Monday, March 31st, 2008

If you’ve been a victim of ID theft, I’d encourage you to visit your State’s website and learn what your next steps should be to fight back. Each State has different requirements and forms for complaints. If you havn’t been a victim yet

Open Question: help please!!!!!computer problem?

Monday, March 31st, 2008

Help please!!!!! COMPUTER PROBLEM?
everytime i try to open a program my there’s this pop-up that say “the application or dll C:?windows\system32\wowfx.dll is not a vaild windows image. please ckeck this against your instalation diskette”. and at the bottom it say ok there’s no other buttom i can click on if i don’t clikc ok i can open the program what should i do where should i go to to stop this? should i get a virus protection program? what do u recommand remenber it have to b free i have absoluatly no money

i have no idea what to do i just brought this laptop on my credit card i barely can pick up with the payments so i really don’t want something wrong to happen. please help me out i will really appreciate it

Open Question: If ONE credit bureau deletes something do they all have to?

Monday, March 31st, 2008

Recently I had several things deleted off my credit report(s) by disputing the information underneath of the Fair Credit Protection Act. I got all three credit scores and I disputed all of my debt online through all the three credit bureaus. Well, several things were deleted off of my Experian and my Equifax. Actually almost all of it. But, they are all different things!
My question…if something is deleted off of your credit report by ONE credit bureau do they ALL have to take it off or how does that work?
I have a 4,000 Repossession that was taken off of my Equifax report but not my Experian and I just want to know if they have to take it all off. To be honest I owe the money otherwise I wouldn’t care. But, I have worked long and hard to fix my credit and I was wondering if that meant that I was clear of it on there at least.
Thanks! Please only answer if you know for sure! This is SO important to me!

Open Question: help!!!!!!!!!!! please?

Monday, March 31st, 2008

Marcia and Phil Helm, a couple in their thirties, have been married for several years. They have no children, and each has a professional career. Marcia is a trainee for a management position at a large department store, and Phil is an engineer at an electronics firm. Their careers have promising futures, but neither has exceptionally good income protection in the event of a layoff. The Helms have saved around $8000, and $7400 of it is in a 3.5% savings account at the credit union where Phil works. They have about $600 in a regular checking account (with Mid-City Bank) that doesn’t pay any interest. The Helms’ combined take home pay is about $5000/month, and Phil thinks they should take the $7400 out of their savings and invest in the stock market to earn a better return. He points out that, excluding their life insurance policies, they have no other investments. Marcia thinks this plan might be too risky, but she does agree that the 3.5% yield is not very good.

Recently, at a party, a friend suggested they take out certificates of deposit (CDs) with long maturities because the CDs were paying around 6% in interest. The Helms liked her advice and stopped at Phil’s credit union to get more information on the CDs. After talking with the office manager for a while, though, they became more confused. He didn’t favor CDs; although, the union had them available. He pointed out that interest rates on the new money market accounts were around 4% and didn’t require “freezing” your money for a year or more. He also indicated that the union could offer a super NOW account that would allow the Helms to close their current unproductive checking account with Mid-City. This account would give them unlimited check writing privileges with no service charges and would pay 3% interest; however, it would require a minimum balance of $2500. If their balance went below the minimum in a month, interest would be only 2%.

The Helms left the credit union without taking any action. They have asked you for advice on managing their liquid deposits.

In 3-4 paragraphs, answer the following questions.
Do you feel the Helms’ $8000 liquid balance is adequate? Explain.
Explain the relative risks and potential advantages of CDs. Explain under what condition(s) you would recommend them for the Helms.
Do you agree with Phil that some of their funds should be invested in the stock market? Explain.
What are your recommendations for a cash management plan for the Helms?

Open Question: Here is the deal…my fiancee’s parents stole his social secuirty number when he was a child and used it to

Monday, March 31st, 2008

get credit cards and rack up huge debt, over 100k. His parents have not been reported to the police, he only found out about this a year or so ago. Now that his credit is ruined, he still refuses to turn his parents in because he knows he will go to jail His grandparents know, they have money and are helping him pay off the debt and pay for protection services. My fiancee wants to buy a used car. It’s a nice one, but he’s not haggling and he’s afraid that he wont get a loan since his credit. Does anybody have any advice on how we can get a better deal and how we can take care of this credit mess? I asked about this http://answers.yahoo.com/question/index?qid=20080330092335AAzOnNQ&r=w and got really mean responses from some people saying he didn’t pay his bills.

Clinton Pushes Housing Market Fixes As Campaign Manager Sits on <b>…</b>

Monday, March 31st, 2008

Intently focused on the nation’s housing crisis in recent appearances, Clinton has been clear that sub-prime mortgage lenders, particularly in poor, working class urban neighborhoods shoulder much of the blame for the credit crunch.

personalized <b>credit</b> card image

Monday, March 31st, 2008

Being a Metrobank credit card client, I would want to also personalize my two cards but as of now I don’t have the perfect photo or image for my cards. Related articles. Debit Credit ATM Card Protection [via Zemanta]

IdentityTruth: Is Your Identity the &quot;Truth&quot; and Nothing but the Truth?

Monday, March 31st, 2008

Most people believe that they are taking the appropriate steps necessary to protect their identities; for example using practices like shredding pre-approved credit card offers and installing antivirus or spyware protection on their

speaking the lingo

Monday, March 31st, 2008

Easiest way to think about it is you are buying or selling credit protection. The protection buyer is buying CDS, paying some fixed amount (generally a couple of times a year for 5 years). If there is a credit event (for example the

[Learn] <b>Credit</b> default swaps (CDS) - Terminology &amp; Risk Transfer

Monday, March 31st, 2008

The investor conducts two transactions: long a Treasury bond plus short a credit default swap (CDS). By “short the CDS,” we mean the investor sells credit protection to a counterparty (who buys credit protection); this credit protection