My New Credit Card

Everyone knows that Christmas can be an expensive time and even those of us with the best intentions can end up spending significantly more than we originally meant to. With many people tightening their belts this year, it definitely makes sense to look at ways to save money this Christmas, from choosing interest free credit cards to buy your presents and considering making things yourself…

Set a budget – and stick to it

Okay, so it can be hard to stick to a budget at Christmas, but if you don’t, you’ll only end up feeling the pain in the New Year. Some people like to set themselves a minimum and maximum budget and aim for their spending to come in somewhere around the middle; this can be a good way of limiting your budget without feeling like you’re restricting yourself too much.

Spend – and pay – wisely

Also, make sure you shop around for the best value presents. The ‘obvious’ websites and shops aren’t necessarily the cheapest, so take the time to do some research. Also, if you’re put Full Post…

The right app can change your life. If you find yourself “not getting” an app, there’s a good chance that someone is working on a similar one that you will get. 

TechCrunch has unveiled a list of “private Internet companies” that Goldman Sachs thinks may IPO in the next year. I thought it would be useful to check out what these companies actually do so I’ve added links and a brief description of each one ().

• One Kings Lane - Elegant, curated online sales 

• Peixe Urbano - Exploring the city (Brazil – site is Portugese)

• Polyvore - The best place to discover or start fashion trends

• Quantcast – It’s your audience, we just find it.

• Quora - A continually improving collection of questions and answers created, edited, and organized by everyone who uses it.

• Rent The Runway - Rent dresses for any occasion. 

• Rue la la - Coveted designer offerings. Private sale prices. Members on

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It looks like the big banks are in hot water again

And this will destroy the little bit of integrity the big banks had

Apparently Chase Bank has stopped filing lawsuits to collect outstanding debts from consumers because they used credit card robo-signing

What is Credit Card Robo-Signing?

It is where an employee will sign hundreds and even thousands of documents and affidavits without verifying any of the information.

This is the issue the big banks had over the foreclosures. Essentially the banks kicked out thousands of hard working Americans from their homes without the right paperwork. This robo signing of mortgages drew serious criticism and lawsuits fast and the banks halted their foreclosure actions in many states.

Since J.P. Morgan Chase has halted all of their collection efforts through lawsuits right now, you know they did something pretty bad. By stopping their collection practices right now, they are loosing a lot of revenue.

One benefit of this fiasco is the potential chance of not getting sued right now from Chase if you are past due.

Times are tough right now and many are behind on payments. When

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Did you fall back on the monthly credit card payments on all your credit cards? If your present monthly income is not enough for you to pay 5-6 credit card companies, you should be desperately looking for a solution that can help you start afresh with your financial life. Bankruptcy is not the end of every financial woe as it hurts your credit score and stays on your credit report for the next 7-10 years. If you don’t want to jeopardize your future life by not being able to take out loans at an affordable rate, you should always look for some other alternative to bankruptcy. How about learning to tackle your debt woes with the help of a credit counseling agency? Well, if you’re not aware of the ways in which a credit counselor helps you, here are some points.

• They will assess your present financial state: The credit counseling agencies are more like teaching organizations that help you understand the main reason for falling into debt. They will initially check your present financial state so that they know how much debt you currently owe to you multiple credit card companies. Unl

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