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Credit Card Debt Related Podcasts
PODCAST - HARRY SMITH JUST A MINUTE: 01/06/09
PODCAST - HARRY SMITH JUST A MINUTE
[0:01:00] ... Is your credit card debt out of control are you win over your head dealing with monthly payments there's a powerful secret the credit card companies don't want you to know. If you -- more than 10000 dollars -- credit card -- you have the right to -- for a fraction of -- payments -- up -- half or -- that's bad -- credit card companies but it's great news for -- and we'd -- to offer -- information that we'll show -- credit card -- and lower -- payments -- up -- half or -- it's -- free by calling 18053861. Don't declare bankruptcy give -- ten minutes and we could save -- thousands -- better -- free find out how easy it is by calling for -- valuable -- information -- the credit card companies don't want -- call 18053861. That's 18053861. Call -- 18053861. ...
Daily Feed (01.06.09)
Today's Clips Include: News... Entertainment News... Falling in the Shower... Jon Dorenbos and Michael Finney... Kissing Cousins and Lori Loughlin... Reborn Baby Dolls... Hollywood Trash and Chris Gocong... Bizarre File... Wrap Up... Rage on!!
[0:54:18] ... commercials television commercials religious you sleight of hand. And take like to credit card and turn into -- lemon. Those sorts of things and so yes your hands escape steps register your scars you can't really. ...
[0:55:05] ... My -- and people don't realize is. He is an amazing card manipulator and a host of magician and much better than I am I mean I think generally I do stand up. And ...
[1:27:15] ... Like that movie unaids. Budding movie -- card is unique and deliberate kind of -- but it yeah it would ultimate. ...
[1:59:48] ... Let's just browse debt is now that she wants ten million dollars guaranteed cash their -- your guitar picks up I like Iraq speech ripping a ...
Money 101 - What is Credit Counseling?
[0:00:01] ... 1070 news radio then by about. Here is money 11. -- credit counselor a year. You don't have to be indigent or meet the definition for legally poor. In order to get help from a critical short. There are no requirements at all for assistance and there are hundreds of nonprofit groups at all for financial counseling and everything from your mortgage and credit card debt to total playing your budget with -- located critic counselor here you but first about the money 11 turns credit closely what is it exactly its advice on money management. Better helps your devise a plan to attack your financial problems debt management plans this is development of a plan that'll pay down debt and helped negotiate lower or -- charges a debt management plan the last two and a half to five years money and credit management education these are classes that focus on everything from how to rent an apartment to buy a cartridge establishing good credit. Bankruptcy counseling anybody who plans to file to be okay. Has got to complete counseling session with the approved agency. But to get a little -- put a counselor little -- plan for a nominal charge of fifty to a hundred dollars go to the national foundation for credit consulate. An FCC. Dot work. You can also get started on year old by checking your credit report for free an annual -- report dot com but keep in mind when you enter credit counseling while it doesn't affect your fight goes scored it can't hurt you with creditors but then again. Getting too much credit. Public got you into this mess to begin with Bob McCormick -- what -- what -- an extensive. He's ready. ...
Mully & Hanley 9AM 1/06/2009
In the nine O'clock hour of the Mully & Hanley are joined by NFL writer for Sports Illustrated and NBC Sports Peter King, to talk about the NFL nad more.
[0:08:44] ... those meetings with what he was saying his blog basically the defense credit. So they finished 32 in the league last year you know to -- this year before that. 32 in the week you ...
[0:14:58] ... over resume to eight I don't believe there's be paid and private debt up okay you doubt it. I was just saying that yeah. How well I we're going to have Peter King coming up ...
[0:20:50] ... to make it and death had an opportunity to be that wild card team playing in Minnesota. But unfortunately lost their season finale. In Houston and you know what do you think that team Peter ...
[0:26:10] ... Couple things we saw Peter in the in the wild card weekend we saw some attacking defenses. Having a lot of success and and obviously. And the road teams Duke won both did ...
The Education Show - 1-03-09 - Dom Giordano
Dom talks about credit card companies and colleges financial deals. Dom also takes listeners' calls on various education issues.
[0:04:55] ... my favorite concepts. We're in a problem with the American consumer and credit we all know that we all know that too many of us. ...
[0:05:04] ... Don't know how to use credit. And in the past I've talked about the fact that the credit card companies sometimes are allotted times go to college students to try to get them engaged with credit. Some colleges have even banned. Any connection to that at least they did in the past I was always against that I think it's up to parents and it's up to schools to educate our kids in financial literacy. And credits is a legal product. I don't -- everything and credit card companies unlike Joe Biden the senator from credit card university. I don't agree with everything they do I think there's some things -- can be reined in but that being said. ...
[0:06:20] ... use of the university's logo. The more the students take the bank's credit cards the more money -- here we go that's with the university gets. Under certain circumstances Michigan stadium in -- receive more money if students carry a balance on these parts. Now here's a broader point. I am sick of these college types package deemed. Lecturing everyone about capitalism. Only after the credit card companies. When my theory is that many colleges when you strip it away and get right down to it all these places are now. Our money making machines. And that's why they engage in so many activities that you shake your head about. And ask what the heck does that have to do truly with an education what used to be about. I wonder if this is an evidence can anybody defend. The idea of college is now hooking up with credit card companies. And then giving up students' names and addresses in selling that and getting more of a kickback if they'd get the credit part. And then even more that time says. If they carry a balance in these parts. And that's not right that. That is over the line I believe students don't have information credit card companies ought to be able to solicit them. I realize some of it is difficult to resist they get attractive girls there in -- doing all kinds of things I get that. And that's where education comes in about credit. You can't have colleges giving up the information. About students and being in bed with credit card companies get money in this manner. And a broader point. Is this what many colleges are about. And isn't it all -- ...
[0:09:08] ... able to give up student information addresses phone numbers information. To have credit card companies gonna have to with a credit card companies way after an amount of ways. Well then we have to them have kids educated. In financial literacy and how to deal -- credit. But for the college to be making out be part of part of this well above to get chewing on this. Wanted to ask you the first credit card -- you got you remember. In your first. Dalliance with credit I was trying to think of mine in ninety remember and -- we've certainly wasn't when I was eighteen. 2158391210. Suburbs six when 66412. To. Tap Jersey's 85654112. And and I know we can say happy credit card companies be sending. To kids who obviously don't have the ability to do this and keep on I get that. But I think the college is being complicit in its. And the other hand decrying credit card companies she just can't have it both -- AT&T and Verizon Wireless simply -- 1210 union in 2158392. Often your first experience with credit. And if you have a child you teaching them financial literacy what are you telling them about credit. And credit cards. And things related to that and the broader point that I mentioned. Survey of 1500 college students. I national organization found that two thirds -- at least one credit card. Seniors would balances and an average debt of 2623. Dollars on their carts. ...
[0:12:16] ... right I'm not going to lecture and sell you need to have credit -- agreement with view I don't like their bills on -- thing. I -- I the last car we bought for -- ...
[0:13:00] ... 2158392. Of -- producer Bryan -- what did you get your first credit card. One that's funny and was at a temple. ...
[0:13:09] ... writing actually but I had. My parents want me to get the credit card because they wanted me to start getting the credit score of I got a college American Express card that I paid off. Okay good -- Hurley bikini entice you and give you free T shirts and shots he's -- taken out. No but I was approached by one of my roommates who -- a fraternity. Boy -- was getting money by Citibank I don't I got credit card -- How did you resist that. I said no please now. ...
[0:13:58] ... We got to find some way of having our kids deal with credit raising him to be financially. Very tough on this and tough on themselves. And to realize that first big jump that credit is when you really have to be helpful around it. But for colleges to be given up the names and addresses of students. This just show you how you can't trust these people how far this goes there argument is while we do a lot of things here at Michigan State. With that money. -- college is really academic institutions. More moneymaking machines. Talking about credit. And the union of colleges and outfits like Bank of America. Trying to gain more money by giving up names addresses and even more if those students are carrying more credit the college benefits and is on his cell in The Big Talker twelfth to pay and -- afternoon. ...
[0:15:38] ... trying to get it straight on one hand they go after the credit card companies and they say they're pulling kids too much into this that was a spasm. Now new thing is though when they ...
[0:16:10] ... gonna talk to the parent about the evils of whatever the case credit union at credit -- companies rather. And I did it now that particular. You mentioned earlier Hewlett the the credit when he when he first -- and I was an undergrad. And they were everywhere. And by the time I graduated my credit with in the basement. -- even before the real high value of the credit where it -- out. ...
[0:16:54] ... do their job and really. In the head out. And on the credit you know credit -- shipped without yeah it and with the art education and I learned a lot in my twenties. And I am teaching ...
Rick the Fix-It Guy -1/3/09
Rick talks about first-time home buyers and takes calls about various home improvement projects.
[0:04:36] ... How much of payment can you afford. There are what they call debt to income ratios that are used by mortgage companies to qualify buyers. And it's based oil and how much the monthly payments. ...
[0:06:19] ... they look at when you're. Purchasing a home is the amount of debt to you that. Because they also want to make sure that when they add this mortgage debt. They don't push -- too far. To -- they have what's called the backside number of the ratio the second number. 28%. For housing and 36%. Is total know what to look at with that. Is any monthly installment contract -- and maybe Clark -- Student loan. Alimony child support. Or or credit card debt. They're gonna look at that and they they want to make sure that you're not overextended. Pass this certain ratio. And sometimes. And that can hurt people people got themselves into some heavy credit card data or maybe have some. Really. League school loans or or they -- hardy couldn't afford. And this war hamper how much you can afford for housing going to look at that they're gonna say -- while we're gonna take a little bit out of the housing. Today you know because you can't afford this higher number. So they they want that combined. Housing and all debt. All monthly debt not to be over 30% of your gross monthly income -- but I use incomes of talk about gross before taxes. -- ...
[0:10:19] ... have relationships with different mortgage lenders either brokers are direct lenders. Banks credit unions. Savings and loans. Mortgage companies but taken in her do you -- two and you can also go on line you can -- rates online. On the big fan of the credit union. I belong to credit union and half for many years and I -- really. It reminds me of the old way of banking -- remember I ...
[0:11:11] ... relationships that a lot of people were used to -- with a credit union it's a little a more friendly atmosphere. And it's more of not that big banking you know hundreds and hundreds of branch type of -- relationships so. Great years ago that a lot times their relationships with your workplace -- credit leniency can maybe get involved with it I know when when I got my mortgaged by credit union was one of the easiest. Mortgage companies to deal with. So that's the reason and -- I refer people to them all the time because of how friendly they are to do business with and that's important so. Look around in your market look at your local banks look that your your credit union. And talk to your -- and he can introduce you to someone that can give view -- preapproved and mortgage. On ...
[0:25:05] ... each month. On the net that is one of the considerations. The debt. ...
[0:25:11] ... off I think what they look at more like car payments. And credit card. You know obligations. Go up there would show up -- new. Stuck that would show up putting dual credit report or -- as a as it as a debt. ...
[0:25:34] ... but it's one of those things where -- debit or they'd actually credit either the premium -- and that's. ...
[0:25:48] ... don't take anything against my credit card. ...
[0:25:50] ... Okay don't put it against a credit card. ...
[0:25:55] ... Yeah yet and and then what you paid credit card off each month. See you may want to look at doing it differently were they debit your checking account or a dead at a check card. So that way you're not creating that debt every month I you know but I you would have to talk to the mortgage broker when you make application I would ...
[0:34:47] ... where he carried off his mortgage at -- home equity line of credit. And and then he because I get the whole basic principle this is that the of the year home equity line of credit interest is calculated on a daily basis. Person the mortgage it's likely -- a monthly basis. They taught at home equity you know mortgage first mortgages the home equity line of credit. On the -- hanging he takes -- paycheck in the plot applies it to the home equity line of credit. Every month you know gets twice the market he gets -- and any reader -- on the home equity line of credit to 1080 you know monthly expenses. And I thought this anchor there's actually a web site that talks about and I thought ...
[0:36:10] ... every two weeks -- like I'm applying it that that line of credit. Com. -- the month -- the principles dropping. Interest is being saved essentially then every drawing squad gets the other the other factor was -- most of its monthly expenses of the credit card. And then -- their credit card every month of using the credit cards money united history. ...
[0:41:48] ... of people with some sort of an open market and access. The credit it's probably a little luck and hope that none percent of the people the parliament. ...
Legal Perspective - Michael Ferrara - 12.27.08
This week attorney Michael Ferrara offers listeners legal information on various issues, especially personal injury, and takes listener's questions.
[0:14:53] ... that is com. He'd -- great option in terms secondly how. Some debt against the business name -- effective. Personal. Credit. ...
[0:18:25] ... government regulators didn't do their job and what -- these to their credit. In September vote for the exit you know what -- drug -- fingers and they withdrew it from the market. And other ...
[0:27:13] ... Studies that they gave the New England Journal medicine. And to their credit thing they withdrew the drug in September vote for. So therefore. All the lawsuits. I have now been resolved and are settled ...
[0:30:58] ... it. Preemption it really is it's -- get out of GO. Free card for corporations in Munich is complete immunity to corporations for lawsuits no accountability. It gives them a free pass. And it makes ...
[0:42:50] ... questions that linger do you have a metal so distraught that. For credit or it will light -- the detective but -- as incoming port that which means something. ...
WCBS Opening Bell Report - Tuesday, January 6, 2009
Obama's economic stimulus plan, gas prices are up, and much more!
[0:04:28] ... he CBS news time 934 the Dow up 66 points. If your credit card debt has gotten out of control if you're over you're headed monthly payments here's one powerful secret the credit card companies don't want you to know. You have the right to settle your credit card debt for a fraction of what you well allowing you to cut your debt up to half or more. That's bad news for credit card companies but it's great news for you. We are consumer debt advocate and we'd like to offer you a free consultation that will help you start eliminating credit card debt. For your free consultation that will set you free call 1888909947. Don't ruin your credit by declaring bankruptcy settle your debt and move on with your life. During your free consultation you'll find out what the credit card companies don't want you to know. For your free consultation it will help you settle your credit card debt for a fraction of what you Lowe called today. The number is 18889099471888909947. ...
[0:07:02] ... rising the fastest since the 1950s. In the America before -- sixteen credit cards. The savings rate had been zero it may arise to as high as six to 10% of income. People are trying ...
[0:21:56] ... Married card and you know it it says good news initially that looks like it came out which of the Medicare part B rate ...
Leo Laporte - The Tech Guy 523
Zune freeze, Digital TV transition, Macworld, Scott Wilkinson on CES, and your calls. For detailed show notes, visit techguylabs.com. Bandwidth for the Tech Guy podcast is provided by DSL... hdfhghfdfghfgh
[0:22:28] ... around you'll see a it's it's basically what it's telling. The video card whether or not to use something called overlay video in the early days of video cards. They they were so slow that if you want to watch video would blasted past the video card blasts around the screen and sometimes. That's actually not what you want what you're not. So. I think more I think I ...
[0:23:41] ... creatures. You want mirrored because. That would that that says the video card you have to work so hard you don't have to don't have that to displays only of one display. And -- but ...
[0:24:46] ... mirroring the displays is important. So at the video the pro video card as network as art. And and then making sure that you got a resolution. That fits the TV I don't I didn't ...
[0:28:10] ... down a bigger the numbers got to be better. This heavy debt and that's by the way the industry has better it's the consumers that that demand and yeah I is in this case ...
[0:59:42] ... part of your backup strategy find out more trying to free -- credit card is go to CAR. VO and by TV dot com -- coupon code Leo her free time. Compliments. -- we talked Rebecca ...
[1:07:25] ... And Angela C Angeles he's not get this -- enough credit he knew that get a sense there was -- that. Stuff isn't that hard it's a complicated. Really isn't it it all ...
[1:27:50] ... a little suspicious I'd watch activity and other accounts and get your credit reports I treat this seriously because if it is in fact. If you were effect hacked you'll see other symptoms and you really want to -- that in the bud before it goes too far. Get those credit reports you know get check and see make sure people are applying for credit cards in your name things like that. -- you know that some of all of this can happen. I'm still ramrod try ...
[1:30:58] ... the cute. And I had this happen to me the raid controller card dies. And -- stayed on I had an item five I have three drives raid raid controller card died and I lost my data so it's not a backup. If it's just the raid the rating is useful. As your ...
[1:38:02] ... or twice might not be a bad idea but give yourself some credit -- I don't think it's gonna be that difficult I think you're fine you take to a very quickly. ...
[1:47:51] ... Well if it's little portable sound card called I connects whom I keep an audio. ...
[1:48:23] ... would seem that little box as you said it's a little sound card it has analog inputs on one side USB on the other side of it takes those analog inputs and outputs. USB. You ...
[1:58:28] ... And I credit couple different HDMI cables I get the same thing I'm wondering if that -- and it's broken it yet could be broken ...
The Dave Ramsey Show Podcast - Mon, 05 Jan 2009 23:59:00 -0500
The Dave Ramsey Show is about life and how it happens to revolve around money. Dave Ramsey teaches you to manage and budget your money to avoid bankruptcy, help yourself get out of debt, build wealth, and live in financial peace without debt consolidation. Managing your money properly will reduce stress, improve your marriage, and provide security for you and your family.
[0:01:58] ... make. The difference in that and saying I have 32000 dollars in debt and I want to pay that off in this. Calendar. Year. And I realize that means I have 2700 dollars a month ...
[0:03:06] ... create a big large event in your life. Give yourself out of debt. This year I'm going live on a budget what's and leaving -- writing down every month before the month against every dollar ...
[0:08:21] ... landing is stupid and you're not read by how's your deeply in debt don't have an emergency fund that's stupid don't do that. Listen if you got a little money. If you've been doing the ...
[0:13:04] ... do things like use direct deposit bank online and use a debit card a certain number of times per month. Things you probably do already. Go to checking under dot com and click learn more ...
[0:14:56] ... a video. Of you doing your class sector meat chopping up your credit cards or you were streaming I'm debt free if you are differing. Total of about your story in the scream -- debt free -- you and your family. We would use those on the fox business network we won't give you your ten seconds of fame right there. My below longer depending on that your video is to Kissimmee copy the U creatively destroying your credit cards. Or your debt free scream in our email I'm sorry if mail them to us at financial -- plaza 1749. Mallory -- Brentwood Tennessee 3727. ...
[0:18:26] ... Well yeah. I can imagine. 11000 Hillary I would much I don't credit cards. ...
[0:18:34] ... much uncritical a lot of their apartment during the fifty dollars in credit card will get that low kind of just. I would not you know right now we we just you know just. Just want to get and we want maintained here but you know they say there's no saving that no credit and value and -- so much wider want to talk you look at some got to be done that. Take the direction ...
[0:27:47] ... a local casino in -- running advertisements on a promotion they're calling credit card wipe out. Apparently that is come to their casino and earn points towards a drawing where you can win -- nice sum of money too as they suggest put torture credit card balance. I laughed out loud on my way back tomorrow at work 1 morning after hearing that one. Guess I'm too weird ...
[0:28:25] ... Not desire listen up online. You my wife's fortune get out of debt we have some mild high interest credit card -- one really and were considering not taking caller we have paid off and getting you know. Small loan without its own ...
[0:28:42] ... Much the only credit cards. About every hundred or. Well have been ridiculous. We're just have a garage -- taken action job paying off a one month. Because you you'd destroy remove the money around mega disappearance -- don't -- yet. Bryant only 700 bucks what he -- year. -- and then yeah I'd work an extra job for one month and be debt free. ...
[0:48:54] ... That's wonderful. Great the only children are malnutrition by the great credit -- I don't. -- what I did what we had to resist a stop -- You gotta look at the income scenario ...