Should You Consolidate Debt With 0% Balance Transfer Credit Card Offers?

Consolidation Loans For People with Bad Credit With the new CARD act, a lot of card companies started to change their business models which helped in making zero percent credit card balance transfers a very rare commodity according to the wall street journal. But there are still a few and when properly executed, they can [...]

The post Should You Consolidate Debt With 0% Balance Transfer Credit Card Offers? appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/28/should-you-consolidate-debt-with-0-balance-transfer-credit-card-offers/

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Build Credit Without Credit: Your Top 3 Questions Answered

Some people seem to believe that the credit score is almost as important as oxygen and water. Most of that stems from the fact that we?ve been beaten over the head with the importance of the credit score since we first learned the difference between a $10 bill and a $5 bill.

But it?s simply not true. Can you really live without a credit score? Absolutely?and it?s actually easier than you?d think. It just takes some foresight, planning and maybe a little patience.

The credit score myth is tangled up in almost every part of our financial lives, but there are a few areas that seem to come up over and over again. So, here are the top three questions we get about how to live without a credit score:

How do I rent an apartment?

Most apartments will work with you if you can provide first and last month?s rent, as well as a security deposit. Ask them up front about their process and what type of information they?ll need. If they want a credit score and you don?t have one, simply tell them that you?ve never gone into debt and you use cash. Get a rental history referral from your previous landlord. If it?s your first time renting, you might have to look around for a little bit. But you?ll be able to find someone to work with you.

How do I take out a mortgage?

If you don?t have a credit score, you should focus on one thing?making sure you have a large down payment. If you?ve never gone into debt, that shouldn?t be too difficult, right? Without a credit score, the down payment, as well as your job and how long you?ve been employed in that line of work, are big factors.

You?ll also want an outstanding history of rental and utility payments. Look for a mortgage company that uses a process called manual underwriting, sometimes called ?non-traditional credit? or ?no credit score? lending. And whatever you do, don?t buy a house until you?re ready. That means you?re out of debt, you have a 3?6-month emergency fund, and you have a good down payment. Of course, you could always just pay cash for a house!

What if an employer wants to see my credit score during the interview process?

This is a growing trend, but it mainly affects people in the financial industry?banks, mortgage brokers, investment companies and so on. Again, the key here is to learn their process up front and explain why you don?t have a credit score if they ask you about it.

Remember, these answers only apply if you have no credit score. If you have a bad credit score, that?s a different situation entirely.

For renting, offer to put an extra month down if you are getting resistance from the property manager because of a bad score. For a mortgage, be patient, rent for a while, and save up even more to put into a down payment.

Our culture will tell you otherwise, but it is possible to live without a credit score. Sure, sometimes it might be annoying because of the way so many people have become addicted to the credit score. But seriously, it will never be as annoying as having a huge pile of debt!

Tired of putting up with FICO? Have you considered how different your life story could be without it? Check out these stories from people like you who are changing their lives by making the decision to live without debt!

How are you proving your financial credibility without utilizing debt? Tell us your experiences with the situations mentioned above.

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Source: http://www.daveramsey.com/article/build-credit-without-credit/lifeandmoney_creditcards

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Student Group Tells Santa Fe To Ban Plastic Bags To Help ?Everybody In The Universe?

plasticbagsnonoSanta Fe believes the children are its future, and as such, its leaders say they are listening very seriously to a group of students who are urging the city to ban plastic bags in grocery stores and other places that use them. The kids have solid reasoning ? as one fifth-grader said, "Stop using plastic [...]

Source: http://consumerist.com/2012/08/student-group-tells-santa-fe-to-ban-plastic-bags-to-help-everybody-in-the-universe.html

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Is YouTube the New Radio?

YouTube
Teens aren't consuming music the way that their parents do.

Sure, there's always been a generation gap when it comes to the type of music that younger listeners crave. "Turn that down" and "In my day, we had real music" are hand-me-down remarks.

We've also seen media go from vinyl and 8-track tapes to CDs and cassettes before giving way to the digital revolution of recent years.

However, today's youth aren't just listening to MP3s of tunes that are toxic to the ears of adults. An eye-opening Nielsen survey shows that teens are relying on Google's (GOOG) YouTube for their music-listening pleasure more than any other medium.

Just Press Play

Neilsen's Music 360 survey showed that 64% of participants between the ages of 13 and 17 turn to YouTube for music. It's free. It's convenient. The videos can simply stream in the background as the listener does something else.

Radio comes in second, listened to by just 56% of the teens in the survey, while 53% use Apple's (AAPL) iTunes, 50% still listen to CDs, and 35% stream Pandora (P).

As you can probably imagine, adults prefer radio (65%) and CDs (61%) to the digital offerings, though even there, YouTube, at 44%, is more popular than Pandora at 32% and iTunes at 29%.

Farewell to the CD

The music industry has been suffering declining CD sales through the past decade. The Internet birthed digital piracy, though it also ushered in the era of legal downloads.

Want to see a scary number? Just 36% of the teens surveyed had bought a physical CD during the past year.

YouTube may be behind some of that. Unlike Pandora's free digital service, where listeners can't pick the exact songs they're streaming and there are limits on how often you can hear tunes, there's nothing stopping YouTube users from hitting the play button again. They'll have to put up with ads from time to time, but it seems teens are finding that preferable to actually buying songs.

The trend is undeniable: The percentage of teens who tune in on YouTube is nearly twice that of teens who have bought a physical CD. Sure, a lot of those teens are also buying tracks through iTunes -- and we won't get into how many are downloading music illegally -- but YouTube is a major tastemaker in the music industry now.

In other words, if record labels want to make sure their artists get noticed by young listeners, they'd better make sure they're putting out entertaining music videos.

This may seem like the early days of MTV all over again, but it's so very different.

Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article. The Motley Fool owns shares of Apple and Google. Motley Fool newsletter services have recommended buying shares of Apple and Google. Motley Fool newsletter services have recommended creating a bull call spread position in Apple.



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Source: http://www.dailyfinance.com/2012/08/17/is-youtube-the-new-radio/

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WAIT A MINUTE: Nielsen Says Television ISN'T Dying

death of television

Despite cable TV subscription numbers being down in Q2, and the rise — and ease — of watching television for free online, Nielsen says television isn't dying. 

In fact, Nielsen claims just the opposite: it's thriving!

During ARF's recent Audience Measurement Conference, Pat McDonough, Nielsen's SVP Insights Analysis and Policy, said, "People talk about ‘the TV is dead, or that it’s dying,’ but it doesn’t look like it yet,” said McDonough.

The charts and figures from her 18-minute video reveal a slight underlying decline in traditional TV watching but an increase across other platforms, primarily smartphones and tablets.

This isn't a surprise given the trend of A-list actors doing Web projects, and Hulu's and Netflix's expansion of original programing.

Nielsen says television audiences are getting older, as the American population lives longer.

 

 

Americans still spend the equivalent of a working week watching video.

94% of that video consumption is on traditional television.

See the rest of the story at Business Insider

Please follow The Wire on Twitter and Facebook.

Source: http://feedproxy.google.com/~r/businessinsider/~3/Ij7n2v3njJA/nielsen-says-television-isnt-dying-2012-8

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Benefits of Credit Card Debt Consolidation

Consolidation Loans with Bad Credit Is debt consolidation a good solution for my credit card debts? Debtors, upon realizing that in a few years their credit cards would have accumulated thousands of dollars through interests ask the same question. Credit card purchases, in many instances are actually more expensive because of high interest rates. Someone [...]

The post Benefits of Credit Card Debt Consolidation appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/29/benefits-of-credit-card-debt-consolidation/

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The 26 Top CEOs Who Made More Than Their Companies Paid In Federal Taxes

ilikecashOnce again, it's time for the annual Institute for Policy Studies report on which top CEOs are earning more money than the companies they work for are paying out to federal government in taxes. "Our nation?s tax code has become a powerful enabler of bloated CEO pay," writes the IPS [PDF]. "Some tax rules on [...]

Source: http://consumerist.com/2012/08/the-26-top-ceos-who-made-more-than-their-companies-paid-in-federal-taxes.html

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Outspoken Blog TechDirt Will Let Anyone Shut It Down For A Day -- For A Price

Mike Masnick, TechDirt

We can't decide if TechDirt's expansion of its online store is brilliant or satirical.

TechDirt is an outspoken blog founded by editor Mike Masnick that covers a lot of tech trends, with a heavy focus on copyright, patent reform and privacy issues. It's had a store that sells T-shirts and mugs for a while, but the site just expanded its paid options to includes some pretty strange things. For instance, you can shut the site down for a day. That will cost $ million. Or you can shut the site down forever, that will cost $100 million -- and counting.

Masnick is also selling himself for a meal. That is you can buy "Lunch with Mike" in San Francisco for $250 or for $1,500 you can buy an "Awesome Day With TechDirt" where you can not only eat lunch with Mike but also eat breakfast and lunch with the whole team and then do some blogging for the site. (Yes, you pay them for this, not the other way around.)

It will cost you $5,000 to get your business model reviewed by TechDirt, $10,000 to get Masnick to speak at your event or $30,000 to get the TechDirt team to plan an event for you.

On a more serious note, the site is experimenting with getting its readers to pay for various subscriptions to the site, including a $15/month fee to get things like first crack at blog posts, a thing called "Insider Chat" that lets them talk to the writers, and a new feature that gives them the power to upvote comments in a way that really highlights them.

News sites have been trying to get readers to pay for content forever and only a few have been able to pull that off. LWN.net, a Linux blog, is 100% subscription supported. For the money, subscribers get early access to its articles -- often highly technical insights written by Linux engineers -- and an ad-free site.

But it's very rare for an ad-supported tech site to be able to generate much subscription revenue. So, if you see Masnick eating multiple lunches a day at various San Francisco restaurants, you'll know that TechDirt is onto something.

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Join the conversation about this story »

Source: http://feedproxy.google.com/~r/businessinsider/~3/TK67wJm4C80/outspoken-blog-techdirt-will-let-anyone-shut-it-down-for-a-day-for-a-price-2012-8

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