Archive for December, 2008

Real Estate Woes: Families Feel Pressure On Mortgages

Wednesday, December 31st, 2008

Center for American Progress Senior Economist Christian Weller delivers some worrying news about the economy and the real estate market nationwide: new data reports that mortgage delinquencies are on the rise. That’s bad news for the economy as it affects people seeking credit, trying to get loans, start busineseses and create jobs.
For more on the housing data please see:
http://www.americanprogress.org/issues/2006/12/delinquency.html
WWW.AMERICANPROGRESS.ORG

Invoices sold to banks for cash flow (Financial Times)

Desperate UK businesses are increasingly having to ask banks to buy their invoices at significant discounts to improve short-term cash flow, figures from the Asset Based Finance Association have shown.

Dearborn Bancorp Reports Non-Cash Accounting Charges for Goodwill and Intangibles (PR Newswire via Yahoo! Finance)

Dearborn Bancorp, Inc. , the Holding Company for Fidelity Bank, has reported that it has completed its annual impairment analysis of Goodwill and Other Intangibles as required under Statement of Financial Accounting Standards No. 142, “Goodwill and Other Intangible Assets” and SFAS No. 144, “Accounting for the Impairment or Disposal of Long-Lived Assets” based on a valuation date of October 31, …

US Cash Cattle Midday: $83 Bids Fail To Excite Sellers (INO News)

KANSAS CITY (Dow Jones)–Scattered bids of $83 per hundredweight on a live basis for fed cattle in Texas, Oklahoma and Kansas Tuesday were not generating any selling interest among cattle feeders.

Register User (Orangeville Banner)

A 61-year-old Orangeville man is accused of accepting cash advances on a construction project that wasnt built. York Regional Police say the charge, laid Dec. 24, dates back to 2005.

Gerrard charged after alleged assault (CNN)

Premier League leaders Liverpool threw their “full support” behind Steven Gerrard after their captain was charged with assault on Tuesday following an incident at a local nightclub.

HK stock index advances 1 percent (AP via Yahoo! News)

Hong Kong’s key stock index rose 1 percent in feather-light trade Monday to snap a four-day losing streak.

U.S. stocks on the rise in final trading session of 2008 (MarketWatch via Yahoo! Finance)

U.S. stocks rise during the final trading session of 2008, as investors take stock of a terrible year for global markets with hopes for a better 2009.

U.S. stocks rise in final trading session of 2008 (MarketWatch via Yahoo! Finance)

U.S. stocks rise during the final trading session of 2008, as investors take stock of a terrible year for global markets.

MARKET SNAPSHOT: U.S. Stocks Rally In Final Trading Session Of 2008 (Nasdaq)

Stocks gained ground in light trading Wednesday, the final session of 2008, as investors took stock of the worst year for the U.S. market since 1931 and some staked out fresh positions in battered financial stocks.

HK stock index advances 1 percent (AP via Yahoo! Finance)

Hong Kong’s key stock index rose 1 percent in feather-light trade Monday to snap a four-day losing streak. The blue chip Hang Seng Index rose 144.34 points to 14,328.48 as the holidays and a generally cautious mood translated into the lowest daily turnover since August 2006.

Wednesday, December 31st, 2008

Commercial <b>Mortgage</b> Programs wanted
Commercial <b>Mortgage</b> Programs wanted
Forum: The Affiliate Marketing Lounge Posted By: EyeOfTheTiger Post Time: 11-07-07 at 02:53 PM.

Lenders Find Loopholes Around Virginia Law Limiting Payday Loans (Fox News)

Payday loans are going to be harder to get come Jan. 1, at least that’s what Virginia lawmakers hope.

Virginia’s New Payday Loan Law May Have Little Effect (Washington Post)

Some of the nation’s most sweeping reforms on payday lenders will take effect in Virginia Thursday, but some short-term, high-interest lenders are getting around the new law by offering different types of loans.

Payday lending rate cap among new laws in NH (AP via Yahoo! Finance)

New Hampshire is giving payday lenders the gong as it rings in the New Year. A law that takes effect Thursday caps the interest rate on small loans at 36 percent a year, which the industry has said will put it out of business.

Virginia payday lending law takes effect Thursday (AP via Yahoo! Finance)

Some of the nation’s most sweeping payday lending reforms will take effect in Virginia. Already, some lenders are getting around the new law by offering different types of loans.

Payday lender asks NH OK on high-interest loans (AP via Yahoo! Finance)

A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s permission to change its loan offerings — but not the high rates it charges.

Police: Man Places Gun In Box, Robs Payday Loans Store (NBC 6 Miami)

Police are investigating after they said a man robbed a payday loans store in Miami then fled the scene.

Payday lender Advance America asks New Hampshire to let it offer high-interest loans (Canadian Business)

A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s

State law may bar high-interest loans by payday lender (The Nashua Telegraph)

CONCORD — A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s permission to change its loan offerings — but not the high rates it charges. … - By NORMA LOVE The Associated Press

Payday lender asks NH OK on high-interest loans (WCAX-TV Vermont)

Associated Press - December 29, 2008 4:35 PM ET CONCORD, N.H. (AP) - A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking…

Payday lending rate cap, boat speed limit new laws (Boston Globe)

New Hampshire is giving payday lenders the gong as it rings in the New Year.

Mortgages and Stocks

Wednesday, December 31st, 2008

Why are subprime mortgages causing such turmoil on Wall Street. KRON4’s Maureen Kelly explains.

New Va. payday lending law takes effect Jan. 1 (AP via Yahoo! Finance)

RICHMOND, Va. — Some of the nation’s most sweeping reforms on payday lenders will take effect in Virginia Thursday, but some short-term, high-interest lenders are getting around the new law by offering different types of loans.

Virginia payday lending law takes effect Thursday (AP via Yahoo! Finance)

Some of the nation’s most sweeping payday lending reforms will take effect in Virginia. Already, some lenders are getting around the new law by offering different types of loans.

Payday lender asks NH OK on high-interest loans (AP via Yahoo! Finance)

A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s permission to change its loan offerings — but not the high rates it charges.

Subprime Loans

Wednesday, December 31st, 2008

Subprime Mortgage Lenders are in financial trouble because too many customers are defaulting on their loans. KRON4’s Maureen Kelly finds that one former customer of one subprime lender was talked into a loan she couldn’t afford.

<b>Mortgage</b> applications unchanged at 5-year peak - Dec. 31, 2008

Demand for US mortgage applications was unchanged during the Christmas holiday week, holding the highest levels in more than five years with loan rates near record lows, an industry group said on Wednesday.

24/7 Wall St.: The Fed Wises Up, Buys <b>Mortgage</b>-Backed Securities <b>…</b>

Insightful Analysis and Commentary for US and Global Equity Investors.

<b>Mortgage</b> Insider readers were right - <b>Mortgage</b> Insider <b>…</b>

Readers of this blog said in September that fixed mortgage rates would drop below 5%, and that is exactly what happened. Earlier this month, a consumer with good credit and…

Dubious Statistics of the Day, Toxic <b>Mortgage</b> Edition - Finance <b>…</b>

Interest and pressure groups put out garbage masquerading as useful research on a daily basis; it’s the job of the press to recongnise it as such and ignore it.

These arms are snakes - Payday Loans

Wednesday, December 31st, 2008

Payday lenders may run out of cache in D.C. (The Washington Examiner)
Payday lenders may run out of cache in D.C. (The Washington Examiner)
The D.C. Council moved ahead Tuesday on a bill that would restrict the sky-high interest rates levied by so-called "payday" lenders, ignoring an analysis by the city’s finance office that the proposal would cost the city more than half a million dollars in revenues.

Invoices sold to banks for cash flow (Financial Times)

Desperate UK businesses are increasingly having to ask banks to buy their invoices at significant discounts to improve short-term cash flow, figures from the Asset Based Finance Association have shown.

US Cash Cattle Midday: $83 Bids Fail To Excite Sellers (INO News)

KANSAS CITY (Dow Jones)–Scattered bids of $83 per hundredweight on a live basis for fed cattle in Texas, Oklahoma and Kansas Tuesday were not generating any selling interest among cattle feeders.

Register User (Orangeville Banner)

A 61-year-old Orangeville man is accused of accepting cash advances on a construction project that wasnt built. York Regional Police say the charge, laid Dec. 24, dates back to 2005.

HK stock index advances 1 percent (AP via Yahoo! News)

Hong Kong’s key stock index rose 1 percent in feather-light trade Monday to snap a four-day losing streak.

HK stock index advances 1 percent (AP via Yahoo! Finance)

Hong Kong’s key stock index rose 1 percent in feather-light trade Monday to snap a four-day losing streak. The blue chip Hang Seng Index rose 144.34 points to 14,328.48 as the holidays and a generally cautious mood translated into the lowest daily turnover since August 2006.

HK stock index advances 1 percent (San Francisco Chronicle)

Hong Kong’s key stock index rose 1 percent in feather-light trade Monday to snap a four-day losing streak. The blue chip Hang Seng Index rose 144.34 points to 14,328.48 as the holidays and a generally cautious mood translated into the lowest daily turnover…

Gerrard charged after alleged assault (CNN)

Premier League leaders Liverpool thrrew their “full support” behind Steven Gerrard after their captain was charged with assault on Tuesday following an incident at a local nightclub.

Wednesday, December 31st, 2008

D.C. Council Considers Limiting Payday Loans (NBC4 Washington, D.C.)
D.C. Council Considers Limiting Payday Loans (NBC4 Washington, D.C.)
The D.C. Council votes to sharply limit the practice of payday loans in the District.

Payday lender asks NH OK on high-interest loans (AP via Yahoo! Finance)

A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s permission to change its loan offerings — but not the high rates it charges.

Police: Man Places Gun In Box, Robs Payday Loans Store (NBC 6 Miami)

Police are investigating after they said a man robbed a payday loans store in Miami then fled the scene.

Payday lender Advance America asks New Hampshire to let it offer high-interest loans (Canadian Business)

A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s

State law may bar high-interest loans by payday lender (The Nashua Telegraph)

CONCORD — A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking commissioner’s permission to change its loan offerings — but not the high rates it charges. … - By NORMA LOVE The Associated Press

Payday lender asks NH OK on high-interest loans (WCAX-TV Vermont)

Associated Press - December 29, 2008 4:35 PM ET CONCORD, N.H. (AP) - A payday lender that says it can’t make enough money under a new interest rate cap in New Hampshire now wants the banking…

In giving initial approval to an ordinance limiting distances between future payday loan offices in Casa Grande to a … (Casa Grande Dispatch)

Arizona law gives a special exemption for payday loans, allowing annual interest rates approaching 400 percent. The basic consumer lending cap is 36 percent.

Payday lender loses appeal in Missouri cases (The Kansas City Star)

An Overland Park-based payday lender’s attempt to bar borrowers from pursuing class-action lawsuits is unconscionable, a Missouri appeals court has ruled.

Wednesday, December 31st, 2008

Sides argue payday lending issue (videos) (Newark Advocate)
Sides argue payday lending issue (videos) (Newark Advocate)
NEWARK — Is 391 percent interest too high? That question is the basis for a campaign in favor of the passage of Issue 5, which would reduce the amount payday lending establishments are allowed to charge from 391 percent to 28 percent annual interest.

Finding Guaranteed High Risk <b>Personal Loans</b>

If you plan to apply for a guaranteed high risk personal loan, be sure to look around for the best offer. You may be able to find a company that will give you a really good deal and this could definitely save you some money.

Sainsburys <b>personal loans</b> interest rate cut The Financial Blog

Sainsburys personal loans interest rates have been cut from 8.9 per cent typical APR to 8.2 per cent APR from today. Sainsburys Bank also say they will be offering the 8.2 per cent loan rate to customers applying by phone;

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Tuesday, December 30th, 2008

Commercial <b>Mortgage</b> Programs wanted
Commercial <b>Mortgage</b> Programs wanted
Forum: The Affiliate Marketing Lounge Posted By: EyeOfTheTiger Post Time: 11-07-07 at 02:53 PM.

Sainsburys <b>personal loans</b> interest rate cut The Financial Blog

Sainsburys personal loans interest rates have been cut from 8.9 per cent typical APR to 8.2 per cent APR from today. Sainsburys Bank also say they will be offering the 8.2 per cent loan rate to customers applying by phone;

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M.S. Quantitative and Computational Finance Graduates @ GT

Tuesday, December 30th, 2008

Cash America to offer online cash advances in UK (Reuters.co.uk)
Cash America to offer online cash advances in UK (Reuters.co.uk)
(Reuters) - Payday lender and pawn shop operator Cash America International Inc. said it will begin offering online cash advances to customers in the United Kingdom.

Sainsburys <b>personal loans</b> interest rate cut The Financial Blog

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Hearing on Predatory Lending: Cuyahoga County Treasurer

Tuesday, December 30th, 2008

The Oversight Subcommittee on Domestic Policy takes an in-depth look at the predatory mortgages, payday loans, and foreclosures that plague inner-city America. This will be the first in a series of hearings Subcommittee Chairman Kucinich plans to hold looking at various issues afflicting urban America. Here James Rokakis, Treasurer for Cuyahoga County, Ohio, discusses the problems that such lending practices have caused for his community.

MFA <b>Mortgage</b> to change name in 2009 - News Wires - CNBC.com

MFA Mortgage Investments Inc., a real estate investment trust that purchases mortgage securities, said Monday it will change its name starting Jan. 1.

HomeGain Blog Blog Archive <b>Mortgage</b> Broker or Direct Lender?

While I love to talk about marketing ideas, my self-appointed title here, if you will, is resident mortgage guru. I hope to expand my offering to you with a weekly column, more focused on mortgage financing issues that you,

Refinance Right - <b>Mortgage</b> Refinance Faq &amp; Advice: Home <b>Mortgage</b> <b>…</b>

Helpful resources on how to not get taken on a Mortgage or Condo Refinance. Including Tips, How Tos, and advice articles all relating to home mortgage and condo refinancing.

Vt. banking regulators warn of <b>mortgage</b> scams: Rutland Herald Online

Rutland Herald Online - Vermont election news, news coverage, local news, state government, sports, classifieds.

politicalbetting.com Blog Archive Is politics down to the <b>…</b>

One thing that makes the owners without mortgage so much more powerful is that they are disproportionally more likely to vote. Their certainty percentage is 68% compared with 47% for the mortgage payers and just 32% for private renters.

Could the <b>mortgage</b> crisis save you money? : News : WPBN TV7&amp;4

Local mortgage planners explain why homeowners should think about refinancing now, and how they could save money in the end.