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Why cutting up your credit cards wont make you rich A popular TV personality often says, Take out your credit cards and cut them into pieces. While that is sound advice for people who are not financially responsible, it is inadequate advice for anyone who wants to become rich or financially free. In other words, just cutting up your credit cards will not make you rich. What does make you rich is financial educationunfortunately a type of education we do not receive in school. If a person has a solid financial education, they would know that there are two kinds of debtgood debt and bad debt. A person with a sound financial education would know how to use good debt to make them richer fastermuch faster than a person who only saves money and has no debt. Rich Dads Guide to Becoming Rich * Are you in credit card debt? * Is job security dead? * Is your financial security threatened? * Is a high-paying job the answer?

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Encore Capital Group, a San Diego based debt portfolio buyer and its subsidiaries Midland Funding LLC and Midland Credit Management Inc., are being sued by the Minnesota AG for alleged robo signing of court affidavits.

According to Minnesota Attorney General Lori Swanson, “Midland has perverted the justice system by filing robo-signed affidavits in court and hounding citizens for debt they don’t owe.”

The lawsuit, filed in Hennepin County, Minnesota, reportedly includes testimony from Midland employees that some had signed as many as 400 affidavits a day without reading through them.

Minnesota’s action follows an Ohio Judge’s ruling that cleared the way for the lawsuit to proceed.  The Judge ruled that Minnesota’s cases would not interfere with a previously filed $5.2 million class action against these giants of the debt collection agency industry. The lawsuit ask for a cessation to improper practices and fines of $25,000 per violation and for contempt of court. <

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This post is especially for you shopaholics out there who feel guilty about putting so many unneeded purchases on your credit cards – and I’m not just talking to women. Men, you know you’ve purchased the latest gizmo or the best seats at the game when cash wasn’t necessarily available.

I want to make sure you know about the upcoming shopping season. Memorial Day sales are coming. Those new shoes, that to-die-for bathing suit, the new sofa you need for the living room, and that flat screen TV – they’ll all be on sale. Shortly after that, we’ll have Fourth of July sales, then back to school shopping. Computers will be a good deal then. And what about all the concerts and sporting events that take place during the summer? Shopaholics – the sky is the limit for you in the next few months.

And it’s my job to tell you to go ahead and spend. You may be getting those credit card balances up there, and it may even be a little difficult to make all the payments, but think what you’re doing for the economy and the greater good. Things won’t get be

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Now that Discover has ended its no fee balance transfer promotion, you may be wondering if there are any other alternatives out there.

In short, the answer is an unfortunate “no.”

That’s right; no other credit card issuers are brave enough to offer a no fee balance transfer credit card at the moment, perhaps still spooked from the credit crisis that appears to be nearing its end.

Even pre-credit crisis, I don’t think Chase offered a no fee balance transfer; only Citi seemed to take that plunge.

So why is this post titled, “Chase No Fee Balance Transfer?”

Well, you may have noticed the “?” in the title. It’s there beca

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Spring is the season of green thumbs. But did you know you can save a lot of green on interest rates if you tend to your credit scores as carefully as some people tend their gardens? Credit scores are like gardens: if you don’t give them care and attention, a nasty bad score can show up and ruin everything. If you want to get to the root of your credit scores, FreeScore will help you do the digging.

Know Before You Grow

Before you try to cultivate favor with lenders, insurers and employers, you need to know your 3 credit scores. FreeScore lets you know if your credit scores are flourishing or wilting. And that’s important, because you can’t negotiate the best interest rates without knowing what each of the three national credit bureaus TransUnion, Experian and Equifax has to say about your credit scores.

Monitor New Accounts

Have you ever started a garden, only to find a pervasive weed has snuck in? If yo

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The Lowest Price we could find is $39.99 $36.66

The financial crisis is just beginning for retail institutions. Ninety to ninety-five per cent of bank transactions are executed electronically today. The Internet, ATMs, call centres and smartphones have become mainstream for customers. But banks still classify these as alternative channels and maintain an organisation structure where Branch dominates thinking. Continued technology innovations, Web 2.0, social networking, app phones and mobility are also stretching traditional banking models to the limit. BANK 2.0 reveals why customer behaviour is so rapidly changing, how branches will evolve, why cheques are disappearing, and why your mobile phone will replace your wallet all within the next 10 years.

Review:

As senior manager new to a financial services organization this book encapsulated everything I believe the industry needs to wake up to and address.

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