June 25, 2008
Fed Discount Rate
http://www.the-privateer.com/rates.html
Changes To the Fed (Federal Reserve Board) Funds rate since 1990
Posted by chek at 06:27 PM | Comments (0)
March 20, 2008
Centurion - American Express Black Card
http://www.amex-black.com/no-longer-invite-only/
The Centurion Card, popularly known as the Black Card, is the most exclusive charge card issued by American Express. The Centurion Card provides access to a range of exclusive privileges. In the United States, invitations are no longer sent for the card.
As of Aug 1, 2007, in the United States, requirements include minimum annual spending of $250,000, exceptional credit history and significant financial assets. Certain requirements may be waived for celebrities and public figures. Requirements for acceptance in other countries can differ slightly.
There is a US $5,000 one-time initiation fee for new primary card holders, plus the annual fee of US $2,500.
Posted by chek at 05:11 PM | Comments (0)
February 26, 2008
Kiva Loans
http://www.kiva.org/
Kiva - Loans that change lives
Lets you lend to a specific entrepreneur in the developing worls - empowering them to lift themselves out of poverty.
Posted by chek at 09:47 AM | Comments (0)
November 14, 2006
Mortgage Rates - Historical Charts
http://mortgage-x.com/general/historical_rates.asp
Notes: Weekly national average rates on conventional,
conforming, 30- and 15-year fixed and 1-Year CMT-indexed
adjustable rate mortgages, with loan-to-value (LTV) rates
of 80 percent or less, 1992 - present, are available.
Posted by chek at 03:59 PM | Comments (0)
July 26, 2006
VantageScore, new credit scoring system
http://experian.global-pressoffice.com/documents/showdoc.cfm?doc=2129
Costa Mesa, Calif. — March 14, 2006 — Experian®, the global information solutions company, today announced the launch of VantageScoresm , the credit reporting industry’s first credit score developed jointly by the three national credit reporting companies to deliver consistent, objective credit scores across their respective databases. This innovative new approach to credit scoring simplifies the credit granting process for businesses and consumers alike by providing a consistent, objective score to the marketplace.
By combining cutting-edge, patent-pending analytic techniques with a highly intuitive scale for scoring, VantageScore will provide consumers and businesses with a highly predictive, consistent score that is easy to understand and apply. VantageScore uses score ranges from 501 to 990 (compared with FICO scores, with a range of 300 to 850). Consumers and credit grantors alike will recognize the logical score groupings that approximate the familiar academic scale:
901-990 A
801-900 B
701-800 C
601-700 D
501-600 F
Posted by chek at 04:36 PM | Comments (0)
April 25, 2006
National Student Loan Data System
http://www.nslds.ed.gov/nslds_SA/
National Student Loan Data System (NSLDS)
Your PIN from Department Of Education
Princeton Review
Sources of College Funding / Preparation Exams and more
Helpful Yahoo Article
Pay the Loan Automatically
Being late on your student loans can ruin your credit. So set up "automatic payment" plans. If you have a 25-year loan, find out the minimum payment per month required and set it up to have your bank debit your account five days before it's due so you won't be late.
Start Saving, Too
I'm often asked if a person should pay their student loans off first before they save for a home or use their retirement account at work. My answer is that if your interest rate is low, and most student loans are, pay the minimum due and focus the rest of your money on getting out of high-rate credit-card debt and towards saving for the future.
Posted by chek at 04:01 PM | Comments (0)
July 11, 2005
Credit Card Guide
http://www.creditcardguide.com/
Credit Card Guide: Best Low Interest, Cash Back and Reward Credit Card Offers.
They list credit cards for all credit levels.
Good Credit
Poor Credit
Student Cards
Posted by chek at 04:18 PM | Comments (0)
June 09, 2005
Mortgage Calculator
http://www.bankrate.com/goobeta/rate/calc_home.asp
Mortgage payment calculator
How much home can you affort?
Renting vs. buying
Should you refinance your mortgage?
Fixed vs. adjustable rate
And many more easy to use calculators
Posted by chek at 09:31 PM | Comments (0)
May 23, 2005
Appraisal fraud
http://money.cnn.com/2005/05/23/real_estate/financing/appraisalfraud/index.htm
Appraisal fraud: your home at risk
Appraisers say they're pressured to inflate their estimates of home values.
Anyone who's ever bought or refinanced a home knows the sense of relief when the appraisal comes in with high marks.
One overvalued appraisal can skew home prices throughout a neighborhood, according to the Appraisal Institute's Kelly. "If a house is appraised for 10 percent or 15 percent more than it's actually worth and the sale closes, it may be used by another appraiser as a comparable sale the very next day," he said. "It has a ripple effect."
Posted by chek at 12:30 PM | Comments (0)
May 18, 2005
Direct Loan Consolidation
http://www.ed.gov/offices/OSFAP/DirectLoan/calc.html
Interactive Calculators
Standard, extended, and graduated repayment plan calculator
Income contingent repayment plan calculator
Direct consolidation loan calculator
Current interest rates
The following interest rates are for student loans first disbursed on or after July 1, 1998 and are effective for the period July 1, 2004 through June 30, 2005. The interest rate for new student loans (Direct subsidized and unsubsidized loans) in repayment is 3.37%. During in-school, grace, and deferment periods, the rate is 2.77%. The interest rate for new parent loans (Direct PLUS loans) is 4.17%.
Posted by chek at 11:19 AM | Comments (0)
April 20, 2005
Bankruptcy Laws, Ch7 and Ch13
http://money.cnn.com/2005/04/20/pf/bankruptcy_bill/index.htm
Chapter 7 and Chapter 13 bankruptcy laws explained. Details about the changes made to the laws in April 2005.
Posted by Chekonim at 12:39 PM | Comments (0)
Pay Your Debt in 9 steps
http://money.cnn.com/2004/09/28/pf/debt/chatzky_program_0404/index.htm
Learn how to pay down your deb.
Posted by Chekonim at 12:36 PM | Comments (0)
March 22, 2005
All about home
http://www.allabouthome.com/calculators/index.asp
Carpet, fencing, mulch, paint, relocation, tile and wallpaper calculators.
Posted by Chekonim at 08:57 PM | Comments (0)
March 18, 2005
Annual Credit Report
http://www.annualcreditreport.com
Equifax
(800) 685 - 1111
www.equifax.com
Experian
(800) 397 - 3742
www.experian.com
TransUnion
(800) 888 - 4213
www.transunion.com
Free credit report.
Credit score (FICO) for a fee.
How do I request a "fraud alert" be placed on my file?
You have the right to ask that nationwide consumer credit reporting companies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.
Equifax: 1-877-576-5734; www.equifax.com
Experian: 1-888-397-3742; www.experian.com/fraud
TransUnion: 1-800-680-7289; www.transunion.com
An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer credit reporting company will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency. For more detailed information about the identity theft report, visit www.consumer.gov/idtheft.
Posted by Chekonim at 08:33 PM | Comments (0)