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Wednesday, November 26, 2008

3 Dumb Ways to Reduce Gas Prices

By Drieick

15,000,000 for lower gas prices

I don't have anything against petitions (it's constitutional), but I think stupid petitions like this one should be illegal. Let me explain:

Ways to lower gas prices:

1. Invade Iran and Saudi Arabia and take their oil 2. Have the government cover a majority of the prices 3. Use the Federal Reserve system to artificially change the prices

Let me explain why this group is completely idiotic. First off, invading Iran and Saudi Arabia obviously will not work (unless we use all of our military strength). Second, how is the government supposed to cover most of these prices? Well, through taxes, which just means you'll still be paying for it. Tax money is the people's money. Now now, I know! Why don't we just tax the hard working CEOs, doctors, and hard working families that make twice as much moolah as I do! They may have a whole corporation and God knows how many jobs on their shoulders, but they can spare a few thousand dollars! We the people deserve that money, anyway! Who cares about lawyers and surgeons, anyway?

Neither of those will work. The second will lower gas prices, but you'll be paying the taxes; you'll just be paying two bills, which doesn't make any sense. In fact, it'll actually raise the prices, simply because filing an entire country's taxes probably costs more than oil. Why pay for oil and the expenses it takes to tax?

The last one will definitely not work. To tell that market to shut its mouth is probably the most destructive thing to do. This means that when the market says prices should go up, they go down; when the market says the prices go down, they go up. It's all mathematical: lowering prices now will cause the companies that provide those services to operate under the breaking point (when the profits equal the expenses), and that'll just eat at their savings, and then they'll be forced to either; file bankruptcy or raise prices.

Price: $500 = Artificial price (lowered price): $400 = Profits down by 100x = Sells increase = Profits go down (more sales than predicted) = Supply goes down = Company's savings down = Prices go up = Sells go down = Demand goes down = Prices go up (not by much, since supply & demand helps is rather stabilized)

x = number of sales

Pretty much what's going on in this country right now. In fact, step #3 could be considered an expense: their profits are to 500x, but instead it 400x (500x ~ 100x). Let's not forget the stock market.

Last change: increase drilling. It is true that North America has lots of oil, and that the US government is stopping people from drilling (all to "help" the environment). Of course, I don't know anything about that, so if you have any info, please share.

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Credit Card Counseling

By William Blake

There are sometimes things that we cannot control and we have to get the things that we need now even if we do not have the money to pay for it. These times are when having a credit card is nice. However when the bill for the card comes in, it can be an unpleasant experience. There are some people who cannot help using their credit cards and need some advice on how to better maintain their financial situations.

Get Help

If you have a credit card that has a growing balance due to the high interest charges don't feel that all is lost. There is something you can do. You can call the credit card company's customer service department and try to negotiate a lower rate. They will be able to inform you quickly if you qualify for such a reduction. If you are able to reduce your interest you can begin to chip away at the balance because you will not be spending so much money each month on the compounding interest.

Utilize the Internet

There are many websites that offer help with your credit card debt. They can either help you find low interest loans to consolidate your credit card debt, or they can give you the advice that you need to get you back on track. Certain websites will link you to live people who can walk you through steps to getting your credit card debt under control. There is also information about books and tapes that offer advice on how to eliminate your debt. Some sites will let you read or purchase the books that have the tools to do this.

Counselors That Can Help

You can get counseling from people online or in person to help you maintain a better financial routine. They will be able to help you understand where you are going wrong and what you can do to make it better. They will help you work with your current creditors to get your interest rates lowered and may even help you to get your payments lowered. Credit card counseling can help you get your credit score back on top where it should be and help you keep it there.

Counseling Free of Charge

Most of the time credit card counseling is free. There are places that offer this help to the public at little or no cost. You will need to have all of your information ready for them as well as a list of all your creditors and debt amounts. They will find a way that best suits you and help you decrease your debt one step at a time.

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Finding No Credit Check Student Loans

By William Blake

Some individuals are truly interested in attending university classes and getting a high quality college education, but they simply do not have the financial resources to do so on their own. If you find yourself in this or a similar situation, you would no doubt be interested in obtaining financial aid. But what can you do if you are not able to receive grants and student loans are not an option because of credit score, what can you do? One viable option is getting a no credit check student loan.

A no credit check student loan will allow you to get the funds you need to attend college and eventually get that great job you have always dreamt of. The first step to getting your education could be investigating the possibilities of getting a no credit check student loan.

Information at the College Campus

To find no credit check student loans, go to the financial aid office of the college you wish to attend. Most of the time, they have the information you need to find financial aid of all kinds. This is a great place to find no credit check student loans. These loans may cover all of your tuition or it may just cover part but at least it will get you started in classes so that you can work on getting the rest of the money to pay for the completion of your degree.

Keep an Eye on Interest Rates

It is very important that you read the fine print and completely understand all the details of any no credit check student loan agreement that you are thinking about signing. Student loans that are offered without a credit check often are charged excessively high interest rates. This is necessary because the lender is entering into a moderately risky agreement. Check to see if the interest rates on these loans will make your monthly too much to afford before you sign anything.

Most student loans have a six month grace period where you will not have to pay anything that starts when you graduate from college. You will need to be prepared to make your payments when those six months are over with.

Don't get overly concerned; a no credit check student loan could be a wonderful opportunity for you if you will be able to afford the monthly payments on the loan. Finding a way to pay for your college education by means of financial aid sources will allow you to focus on your schooling and, after graduating, find a great job.

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To take care of your Expenses Consider Payday Loans.

By Clare Colemann

Taking care of the basic day to day requirements and still getting by with some funds left over is a modern day financial miracle.

Always have a sure budget as reckless splashing out can certainly hurt your finances, and it happens in particular if you don't adhere to your budget. Think about using Payday Loans as a possible solution to your financial woes and in order to combat your expenses. When you have made up your mind to apply, in less than 24 hours or so, you will receive the funds directly into your account. The amount of cash you will be able to get until your next paycheque arrives can be anywhere from GBP 80 to GBP 750.

To cater for all your needs, there are several payday cash loan lenders available when it comes to payday loans. After making an application for your payday cash loan, once it has been approved, the money will be placed into your bank account on the next business day. For payday loan repayment, you will usually have a timeline of about two to four weeks. You need to inform your payday lending institution if you find yourself unable to repay the payday cash loan amount on time.

If you have a genuine problem, your payday lender will extend the timeline of your payday cash loan after evaluating your situation. Most payday loan organizations will expect you to at least pay the interest due at the time of the due date, before granting you an extension on your payday loan term.

It is easy to spend your cash fast if it is easy to lay your hands on more. Payday loans normally however come with high interest rates, and that is wherefore it is so readily accessible. It is always a good practice to look at your pocket.

To meet your expenses, you are borrowing only a small sum of money, but may have to give more or less the same amount back as interest. This is not a good thing. First of all, make an investigation of such loans and take your time. Don't be hasty.

You do not have to wait extremely long, because you can acquire the entire amount of your payday loan in many cases the same day, that is the reason why many prefer to use payday loans. By depositing the hard cash that you are approved for, straight into your account, you will receive the gain of getting the entire amount of the payday loan straight away.

This is an additional benefit and you will get the full amount of the loan right away. Within a couple of hours, and in all probability in less than 24 hours, you can be approved for your payday cash loan, available to make use of immediately.

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How to Dispute Credit After Bankruptcy

By Derrick A. Clayton

Bankruptcy can be very harmful to your credit report, but there is a way to fix your credit report and improve your score. This will not take place right away and will take some action on your part. However, it can be done and with great results if you pay attention to the following steps.

What can you do about a bankruptcy on your credit report?

Any derogatory accounts that were discharged during bankruptcy will appear as either "BK Liq Reo" or "Charge-off." The bankruptcy will itself appear under the public record section as a Ch. 7 or Ch. 13.

The only way to eradicate the bankruptcy itself from your credit report is to dispute it directly with the credit reporting companies. You can usually find some mistake in the reporting of the bankruptcy, since the information is entered by a human being.

One of the major potential problems you can dispute in a bankruptcy is the dollar amount of each account in question. Many times creditors will round up the account balance number to the nearest dollar for accounting purposes. This can be challenged since the number is technically not accurate. In many cases, the bankruptcy is ordered eliminated.

Often, bankruptcies are easier to eliminate than other items on your credit report. This is because bankruptcy files contain a plethora of information, so the possibility of mistakes is extremely high as items are usually entered by busy or overworked court employees.

Working with a municipal office is markedly different from working with private subscribers. Getting the government to cooperate will make it difficult for the credit bureau to react to your dispute letter within the allotted time, and the government's bureaucracy can work in your favor.

When sending your dispute letter, make sure that it is addressed to the three major credit bureaus, not to the local court that maintains the bankruptcy file. The credit reporting companies must correct or verify any errors within a certain amount of time (usually 30 days) or remove them from your credit record. It is not difficult to find some inaccurate information in all the bankruptcy papers, so use this to your benefit.

A bankruptcy is not a death sentence for your credit history, and often it is much less complex to remove a bankruptcy record then a bunch of small miscellaneous accounts on your credit report. Examine the bankruptcy records thoroughly, find an error, then file a request to have it removed from your credit file, so that you can start building your credit again.

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