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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (8/28/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Rate Of Late Home Loans Fell In July
The rate of single-family home loans behind in payments by at least 90 days improved between June and July, but the rate of delinquencies for mortgages on apartment buildings worsened, government-controlled lender Freddie Mac said Thursday. (More)

Stocks gain as Bernanke, GDP reassure investors
Stocks posted big gains after Federal Reserve Chairman Ben Bernanke said the central bank was ready to step in if the U.S. economy showed further signs of weakening. (More)

Cheaper Reverse Mortgages May Be Coming (U.S. News & World Report)
U.S. News & World Report – The Federal Housing Administration (FHA) is developing a new reverse mortgage product that sharply cuts up-front payments by home owners but also significantly reduces the percentage of a home’s equity that can be paid to owners under the program. Reverse mortgages insured by the government are available on homes where the youngest owner is at least 62 years old. The program is called a Home Equity Conversion Mortgage (HECM). (More)

Business events scheduled for the coming month (AP)
AP – WASHINGTON — Commerce Department releases personal income and spending for July, 8:30 a.m. (More)

Mutual Funds Weekly: Bond buyers are killing the economic recovery
Don’t miss these top money and investing columns: Bubble or not, the buying frenzy fueling the bond market is killing the economic recovery. (More)

Personal Finance Articles

Three Reasons for Getting Guaranteed Personal Loans
This economy has everyone struggling and penny pinching. Guaranteed personal loans should be the last thing on anyone’s mind however there are many reasons that a loan of this type can help make things a bit easier and less stressful. Here are some of the reasons. (More)

Is Used Car Donation worth the Cause?
Used car donation program may not be the best option for many. Before you call me selfish and Parochialistic for not supporting charity, I want you to read the rest of article and understand w… (More)

Structured Settlement Payments and the “Interest Drag” Factor.
Interest drag occurs when you sell structured settlement payments and the transaction is dragged beyond its normal closing time by an unethical purchaser. Depending on the size of your transaction, yo… (More)

What You Should Know About Identity Theft
Since the dawn of the information age, more and more people are becoming victims of identity theft which often results in severe monetary losses and legal problems as well. For the most part, people … (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (8/19/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

City finds more dead workers who got payments
A check of Social Security data finds that the city of Buffalo has been paying health insurance premiums for more dead employees that auditors had initially estimated. (More)

The Ratings Game: Fund firms stagger back from crisis lows
Second-quarter financial results at asset management firms suggest they are steadily putting the tough times behind them, according to Wall Street analysts. (More)

Carly Fiorina Gets Endorsement From Small Business Lobbying Group
A trade group representing small businesses is endorsing Carly Fiorina in the U.S. Senate race in California, marking the second time this month that a major business group has supported the GOP candidate. (More)

Mortgage applications rise 13 pct. on low rates
Mortgage applications rose 13 percent last week as consumers refinanced at the lowest rates in decades. (More)

Fannie conference sees call for subsidy reduction
Participants at a housing finance conference Tuesday largely agreed that subsidies for housing need to be reduced but not eliminated even as they disagreed on how far government assistance to the mortgage market should be curtailed. (More)

Personal Finance Videos

Mint’s Three Principles of Personal Finance

Personal Finance Articles

Unsecured Micro Loans For Blacklisted People
It is not difficult to get approved for unsecured micro loans for blacklisted people at all, but you need to look around how you can be helped in the best way. It is the same like when you buy a car, new house, want to go on holiday etc, you shop around for the best at the lowest price you can get it for. (More)

Tips to Help You Get Personal Loans
Nowadays, it’s hard to get some kid of credit established. When it comes to getting a loan of any kind, no matter what your credit is, it can be challenging. The bad economy is affecting everyone and businesses as well. There is however a few important things to keep in mind that can help you get personal loans faster without any hassle. (More)

Scrap Gold Jewelry Sell – Tips to sell gold jewelry
As gold is known in the strict sense jewelry such as rings or chains. In a wider sense can also be referred to chests, chandeliers and other furniture pieces with gold shares as gold jewelry. When pie… (More)

Best Annuity Rates and Advice using the Annuity Calculator
We are not going to work for our lifetime maximum we can work is for the age of 65 years and after that, how we are going to plan for our expenses. Yes have you thought of it there will be a time you … (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (8/11/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Moody’s: Crisis left money fund industry reeling
At least three dozen money-market mutual funds were at risk of failing during the financial crisis, besides one that did end up collapsing, Moody’s Investors Service said Tuesday. (More)

FDIC takes step toward cutting use of ratings
Federal regulators have taken a first step toward eliminating the use of credit ratings in rules for banks, under a mandate of the new financial overhaul law. (More)

Fed Moves to Support Low Mortgage Rates (U.S. News & World Report)
U.S. News & World Report – Facing growing concerns that it’s out of ammunition, the Federal Reserve pledged Tuesday to battle the slowing economy by purchasing more long-term U.S. Treasury securities. (More)

More Worried About Recovery, Fed Takes Small Steps
More worried about the recovery, the Federal Reserve took a small step Tuesday to bolster the economy. (More)

Study: Personal income drops 7.1 percent in Naples
Newly released data from a federal agency shows the southwest Florida community of Naples experiencing the largest drop in personal income among metro areas. (More)

Fund investors: Consider fees first, then stars
Fund expenses are a slightly more important factor in predicting how well a fund will perform than the one- to five-star system that Morningstar Inc. (More)

Personal Finance Articles

Want a Quick Personal Loan With Minimal Paperwork and Low Interest Rate? Get a Private Personal Loan
If you want to get a loan with very minimal paperwork, make sure to go for the unconventional lending places. This article tells you about such places and how to get a loan as fast as possible. (More)

Do You Have a Terrible Credit Score? Get a Personal Loan Without Hassles
For people with a bad credit score, private lending places are excellent choices for getting a quick personal loan. Read more about it here. (More)

Quick Personal Loans for People With a Very Poor Credit Rating – Easy Loan Approval in Hours
Is your credit rating too terrible? Read this article to know how bad credit borrowers can get a personal loan quite easily. (More)

Selecting 0f Mortgage Llife Insurance
Mortgage life insurance is a type of life insurance devised to mantle an amount outstanding on a family finance. In this sense it is a mortgage-linked life insurance strategy. Generally policies are t… (More)

The Secret of a Winning Trading Strategy
The word “strategy” has become so overused in our vernacular; it has now become completely void of any value or meaning. We live in a world abundant with strategies; there are video game stra… (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (8/4/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Report: Calif. fund knew of city’s high pay years ago
Officials at California’s state pension fund found out about the high salaries paid to officials with the city of Bell but did nothing to stop them four years ago, according to an internal memo sent Tuesday. (More)

Dissident IRA car bomb targets Ulster police base
Irish Republican Army dissidents detonated a bomb in a hijacked taxi Tuesday outside a police base in the Northern Ireland city of Londonderry, damaging buildings but wounding no one despite the attackers’ inaccurate warning, police said. (More)

On the Call: What AmeriCredit means for Ally (AP)
AP – Consumer finance company Ally Financial Inc. has long been the lender-of-choice for General Motors Co. But in recent months, GM has said it wants to do more business with customers that have lower credit scores. The automaker views this group as underserved and an important source of business as it prepares for its initial public offering. (More)

The Top Stock of Multimillionaires — and 4 More Like It (The Motley Fool)
The Motley Fool – Would you like to know how successful entrepreneurs, former partners of Wall Street investment firms and top executives at Fortune 100 companies have invested their personal wealth? Michael Sonnenfeldt knows the answers to that question. (More)

Fannie Mae unveils consumer website for borrowers
The government-controlled company on Tuesday launched www.knowyouroptions.com . It is designed to provide easy-to-understand definitions of mortgage industry terms and online calculators that help consumers determine whether they can qualify for a refinanced mortgage or a loan modification. (More)

Personal Finance Articles

Breast Surgery Loans – Enhance Your Inner Beauty
Breast surgery loans are funds that are use to modify breast from an undesirable to a desirable form. Bad credit holders can also apply for these funds without any restriction. (More)

How to be an Effective Parent When It Comes to Spending on Kids Education
Parents always care for their children. Particularly, education is the most important. Education secures the future of a child. Who can deny that? But have you saved enough for your kids at th… (More)

Personal Finance, Corporate & Public Finance
Personal Finance, Corporate & Public Finance Finance basically revises and deals with various methods by the means of which businesses, companies, and individuals hoist, distribute, and … (More)

Long Term Personal Loans – For Convenient Repayment of Greater Amounts
Long term personal loans are provided to the borrowers in keeping with their requirement of financial assistance and also in accordance of their repayment capability. These loans allow you to repay the borrowed amount in a longer duration so that you can reduce the monthly outgo towards the installments of the loan. These loans are given for a longer duration that may range from 5 years to 30 years. (More)

A Penny Saved – How to Find Extra Money to Invest in Your Ideas
This is the beginning of your building phase, I am not saying that you will not have an iPhone someday if you would like. It is just needed to preserve if you are starting from scratch and building. It is just another way to create money. It is always possible with discipline to reduce expenses to have more cash flow to invest with. I leave you with something one of my college professors once told me, “A penny saved is a penny earned but it is also a penny not invested!” (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (7/28/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Mortgage applications fall 4.4 percent last week (AP)
AP – Applications for home loans fell last week despite the lowest mortgage rates in decades. (More)

Ahead Of Elections, Obama Ramps Up His Fundraising
President Barack Obama is stepping up his fundraising efforts as the midterm elections draw closer and Democrats need money to battle a Republican Party energized in part by voter concern over government spending and regulations. (More)

5. AP sources: Imaging worker suspected in Utah …
Another employee in the Utah Department of Workforce Services has been identified as the second state worker under suspicion in the distribution of a list of 1,300 purported illegal immigrants. (More)

6 new credit scams to watch out for
In today’s high tech digital age, you have to very careful about protecting your financial information. (More)

Summary Box: Conference on Fannie, Freddie (AP)
AP – CONFERENCE SCHEDULED: The Obama administration will hold a conference Aug. 17 to discuss the future of government-sponsored mortgage buyers Fannie Mae and Freddie Mac, which almost collapsed nearly two years ago. (More)

Treasury to hold conference on Fannie, Freddie (AP)
AP – The Obama administration, which has been under fire for not developing a concrete plan for mortgage giants Fannie Mae and Freddie Mac, says it will hold a conference next month to discuss their future. (More)

Personal Finance Articles

Personal Loans and Bad Credit – Four Steps to Land a Loan Offer, Regardless of Your Credit Quality!
Poor credit seriously affects the borrowing ability, but the impact of bad credit on loan approval is often overrated. Simple and effective techniques available to everybody can help to get a loan with no hassles and very little effort. (More)

SR22 & DUI Insurance – Ideal for Reckless Driver
Getting SR22 insurance or high-risk policy is a must for every individual who have a bad driving record. This insurance will also be helpful in situations where your driving license gets suspended. Ho… (More)

Stick to Your Budget by Saving on Your Groceries
It is an unpleasant fact that everyone has to eat. There is no exception to the rule. We all go grocery shopping at one time or another. The question is, “Are we paying too much for our groceries… (More)

Are You Needing Immediate Personal Loans Right Away? Know Where to Get Quickest Approvals?
Knowing where you can get the fastest approvals is important as it will save you a lot of time. But remember that there are also downsides at some of the lending places. (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (7/21/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Bailout watchdogs slam Obama housing programs (Reuters)
Reuters – Obama administration housing rescue programs have been ineffective at preventing a rise in home foreclosures even as the government’s support for the mortgage market grew by nearly $700 billion in the past year, bailout watchdogs said on Wednesday. (More)

Gov’t watchdogs: mortgage program is not working (AP)
AP – Government watchdogs told a Senate panel Wednesday that the Obama administration’s effort to help homeowners avoid foreclosure isn’t working and that the Treasury Department has failed to fix the program. (More)

Fed chief focused on keeping recovery alive
Federal Reserve Chairman Ben Bernanke heads to Congress Wednesday with a message of reassurance: The Fed stands ready to take new steps to bolster the recovery if the economy worsens. (More)

Mortgage rates at record low 4.37% in latest Zillow survey
Interest rates on 30-year fixed-rate mortgages dropped in the latest week, reaching a record low as investors piled into safe-haven U.S. government debt, real estate website Zillow.com said Tuesday . (More)

Judge approves $550 million Goldman settlement (AP)
AP – A federal judge on Tuesday approved the deal calling for Goldman Sachs & Co. to pay $550 million to settle civil fraud charges that the Wall Street giant misled buyers of mortgage-related investments. (More)

Personal Finance Articles

Gasoline Gift Cards – They Can Help You Save On Gasoline
Contrary to what other people think, gasoline gift cards are probably one of the most practical and appealing gifts nowadays, regardless of the occasion and the gender of the person you’re giving it t… (More)

Is Your Credit Score Very Poor? Getting a Personal Loan is Definitely Possible With These Options
If you search well enough, you can find a lot of lenders who will be ready to provide a loan to you despite the poor credit history. But as they are made to face bigger risks by giving a loan to a bad credit borrower, they have no other option but to inflate the annual percentage rate to whatever they think is reasonable. (More)

Simple steps ‘can avoid the need to raid savings accounts for holidays’
An expert has advised on how people can avoid using their credit card and savings accounts to afford their summer holiday.

Families planning to head abroad on their summer holidays this year … (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (7/15/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Calif. AG sues feds over renewable energy loans
State Attorney General Jerry Brown sued the federal government Wednesday, asking a judge to stop government-sponsored mortgage buyers from blocking a program that lets homeowners pay for energy-efficient improvements through increased property taxes. (More)

Fed discussed steps to bolster sputtering recovery
Federal Reserve officials at their June meeting cut their forecasts for economic growth this year and weighed whether new steps would be needed to keep the recovery alive. (More)

US small business still not confident
Small businesses in the US have become pessimistic about their economic outlook. (More)

Home Loan Applications Down 2.9 Pct.
Applications for home loans dipped last week even though consumers were able to refinance at the lowest rates in decades. (More)

Makena Beach & Golf Resort on Maui sells for $95M
Circuit Judge Shackley F. Raffetto has confirmed the sale of the Makena Beach & Golf Resort on Maui for $95 million. (More)

Personal Finance Articles

Instant Decision Loans – Learn More About Them
What is an instant decision loan? An instant decision loan is a loan that is extended to people, within 24 hours of being approved for a loan. After you submit your completed application to the loan agency, they will email you to let you know whether your were accepted. (More)

Marriage Loans – Easy Finance For a Great Affair
Nowadays, marriages have become very expensive. Each year the prices are rising and due to the materialistic trends people are spending more and more on their weddings. In order to spend on this very special occasion, you may consider taking a marriage loans. This loan could help you to fund complete or a part of your wedding. (More)

Does Your Credit History Look Too Bad? If So, Know How to Get a Personal Loan Easily Without Hassles
Even if your credit history is terrible, know how you can secure a personal loan without any sort of hassles. Read more in this article about it. (More)

The Psychology of Money and Personal Finance
The Psychology of Money and Personal Finance
The individuals who tend to complain about cash appear to fall into three categories. There are those that don’t have any, those that pay more than t… (More)

Personal Finance
Personal Finance – Four Straightforward Steps to Manage Money and Build Wealth These days
Early attention to any overspending and running out of money provides a nice opportunity to correct and … (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (7/6/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Johnson: Wall Street reform bill has protections
The financial reform bill awaiting a Senate vote offers protection from the “anything goes” environment that produced the nation’s two-year financial crisis, Democratic Sen. (More)

Bond Report: Treasurys advance after ISM services data
Treasury prices rose on Tuesday, pushing yields down in jerky but thin trading, after a report showed the non-manufacturing sector of the U.S. economy slowed in June. (More)

Gains from long-term Treasurys won’t go on forever
The only investment that showed a double-digit positive return for the first half of this year was . . . long-term Treasury securities. Their total return — price gains plus interest — was 13.2 percent. (More)

Second Half Slowdown: Here’s What to Expect (The Motley Fool)
The Motley Fool – Keep this in mind when sifting through the end-of-the-world headlines: This, too, will pass. (More)

Personal Finance Articles

Wedding Loans – Nothing Would Stop You From Celebrating
Wedding loans can be opted for easy and quick finance of you want to make your celebration, an unforgettable moment for everyone else also. You would become absolutely tension free. No need to wait, apply! Go online now! (More)

Stay Afloat Amid a Recession – Handling a Poor Credit Personal Loan
The current global financial situation seems not able to provide balance. In the past years, you probably were hindered from seeking and securing significant loans because of high interest rates imposed. You may also be suffering from bad credit history. Following the financial crisis and the fall in loan rates, you probably are still hindered from seeking one. The difference can be that currently, it is very hard to seek loans from banks and other creditors. (More)

Planning for the Future
With financially uncertain times looming over us, and government cuts penetrating deeper into society, it is a suitable period for some sensible saving solutions. Main: Any cuts to public spen… (More)

The Alternative Option to Jobseekers’ Allowance
Unemployment is reaching the 2.5 million mark, and although the figure is losing momentum and gradually slowing, it remains on the rise. State benefits can provide the lifeline needed to prevent fina… (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (6/29/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Self employed? 5 steps to scoring a mortgage
While getting a loan as a W-2 employee may be cheaper and easier than if you’re self-employed, you don’t have to go running back to your cubicle to qualify for a mortgage . (More)

The Dangers of DIY Estate Planning (U.S. News & World Report)
U.S. News & World Report – Every year, thousands of consumers bypass lawyers and create their own wills, powers of attorney, and other estate planning documents with the help of online tools and books. As one might expect, lawyers don’t like this do-it-yourself approach. They say it breeds mistakes, since when it comes to legal issues, one size never fits all. Do they have a valid point, or are they just trying to protect their own livelihoods? (More)

Interest rates fall again on investor pessimism
A darkening view of the economy sent bond market interest rates to their lowest level in 14 months and kept many investors out of the stock market. (More)

Governor Strikes 2 More Pension Deals
The Schwarzenegger administration said Monday it reached tentative deals with two more labor unions to lower salaries and roll back pension benefits for state workers. (More)

2 Ways Dividend Stocks Can Make You Rich (The Motley Fool)
The Motley Fool – Stocks that pay dividends have helped millions of investors become wealthy. But not all dividend stocks are the same. Before you simply pick a few for your portfolio, you need to get a grasp on one of the major differences among the thousands of stocks that pay dividends. (More)

AIG CEO and Chairman at odds over failed AIA deal: report (Reuters)
Reuters – American International Group’s failed sale of its Asian life insurance unit AIA has led to increased tensions between Chief Executive Robert Benmosche and Chairman Harvey Golub, the Financial Times said, citing people close to the situation. (More)

Personal Finance Articles

Poor Credit Loans – Industry Insights For Loan Seekers
Many people find out about harmful consequences of bad credit loans the hard way – after they get them. While bad credit loans present an excellent opportunity to get cash and rebuild credit, certain precaution should by the borrowers. (More)

Loans For Teachers – Find Out Your Loan Choices As a Teacher
Loans for teachers represent a form of particular govern services. At the moment, loans for teachers tag special loan programs developed in order to help teachers. (More)

What Everybody Ought to Know About Personal Finance Budgeting: Part I
When you’re thinking of personal financial budgeting there are a few rules of thumb to follow. Being conscious of various tips on budgeting can mean the difference between economic success and economi… (More)

Things You Can Do When You’re Retired
When making plans for retirement it’s easy to focus on saving enough to do so and simply dream of life without work. However to really know how much money you need to save, and to avoid ending up uns… (More)

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Dear 1ClickMoney.com Readers,

Welcome to the Personal Finance Newsletter (6/22/2010). In this edition we have included news, articles and videos. You can find more resources on our website: 1ClickMoney.com.

Personal Finance News

Bigger role, duties for government: Pimco manager
The financial and political fallout from the recent financial crisis has changed the nature of U.S. economy to operating under the “visible fist of government,” according to a prominent analyst at bond fund giant Pimco. (More)

Borrowers Exit Troubled Obama Mortgage Program
The Obama administration’s flagship effort to help people in danger of losing their homes is falling flat. (More)

Key lawmaker seeks to beef up mortgage risk retention (Reuters)
Reuters – Some low-risk home loans that meet certain underwriting guidelines will no longer be eligible for an exemption from a broader rule requiring so-called “skin-in-the-game” if House Financial Services Committee Chairman Barney Frank gets his way as lawmakers put the final touches on new rules for Wall Street. (More)

3 Lessons BP Should Teach You (The Motley Fool)
The Motley Fool – The Gulf oil spill has cost thousands of people their livelihood and caused billions of dollars in envrionmental and economic damages. And with nearly $90 billion cut off BP’s (NYSE: BP – News) market capitalization, the company’s shareholders have certainly taken it on the nose as well. (More)

Personal Finance Articles

Borrowing After Bankruptcy – Easier Than You May Think
Bankruptcy is not easy, making people feel depressed about their future financial life. Luckily, there are a number of lenders able and willing to finance people with recent bankruptcies on their record, giving them an opportunity to rebuild their credit. (More)

5 Tips to Obtain a $10,000 Bad Credit Personal Loan Easily
In many people’s point of view, if a person has poor credit rating, your chance of getting personal loan is very slim. However, this is not true. There are many “lenders” who offer financial assistance for people with poor credit. Let me share with you the secrets of getting $10000 quick cash easily. (More)

Factors Affecting Gold Prices
Gold is one of the very precious metals existing on earth. Price of gold is rising like anything these days. In ter… (More)

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