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Should We Bring Back Usury Laws?

Wednesday, October 14th, 2009

In the last post, one of the questions I asked Charles Geisst was about usury laws. For those of you not familiar with the term, usury laws are essentially caps on the rate of interest that lenders are allowed to charge borrowers. In the past, usury laws were set at the state level but have […]

Student Loan Sob Story

Wednesday, August 26th, 2009

I’m only writing about this because the guy in this story left a comment on this post along with a link to his website, No wonder why this guy wants his debt forgiven and why he founded his website: My name is Robert Applebaum. I am a 35 year old attorney from Staten Island, […]

Question of the Day – Forgiving Student Loans

Wednesday, August 26th, 2009

Stacey sent me a link to this piece on forgiving student loans. It’s short, so read it and tell me what you think. The main question is: Should we forgive student loans as a way to stimulate the economy? I say NO. Actually I say HELL NO! Lots of college students bought cars too. Should […]

Ignoring Your FICO Score Can Cost You Dearly

Tuesday, August 25th, 2009

Check out this graphic I found on the myFICO website: I took the information found in that chart and made another graphic showing just how much interest a person would pay over a 30-year mortgage depending on their credit score: As you can see, the difference is significant. Just moving from the second highest to […]

Money’s Tips For Raising Your FICO Credit Score

Friday, August 21st, 2009

Here’s a couple pointers from the latest issue of Money Magazine on how to improve your credit score: • Remember your credit card utilization rate, which is your total card balances compared to your total credit limits. To calculate this, divide your credit card balances by the total available credit. Money recommends trying to keep […]

My FICO Score is 794. What’s Your Credit Score?

Thursday, August 20th, 2009

After reading an article in the latest Money magazine about credit scores, I decided to check my wife’s and my score. I used found out my score was 794. Pretty good. It said that the only thing hurting my score was that I had 4 accounts with balances. One of those is our Visa […]

Do You Take Advantage of 0% Financing Offers?

Wednesday, April 1st, 2009

Here’s today’s Question of the Day: Do you take advantage of 0% Financing Offers? I have in the past when I purchased a TV from Best Buy. I had the option of paying full price in cash or finance the product for two years at 0% interest. I had the money available to pay for […]

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