Bible Out of ContextRandom Quotes from the Bible
18If the world hate you, ye know that it hated me before it hated you. 19If ye were of the world, the world would love his own: but because ye are not of the world, but I have chosen you out of the world, therefore the world hateth you. 20Remember the word that I said unto you, The servant is not greater than his lord. If they have persecuted me, they will also persecute you; if they have kept my saying, they will keep yours also. 21But all these things will they do unto you for my name's sake, because they know not him that sent me. KJV: John 15:18-21
18"If the world hates you, you know that it has hated Me before it hated you. 19"If you were of the world, the world would love its own; but because you are not of the world, but I chose you out of the world, because of this the world hates you. 20"Remember the word that I said to you, 'A slave is not greater than his master ' If they persecuted Me, they will also persecute you; if they kept My word, they will keep yours also. 21"But all these things they will do to you for My name's sake, because they do not know the One who sent Me. NASB: John 15:18-21
18"If the world hates you, keep in mind that it hated me first. 19If you belonged to the world, it would love you as its own. As it is, you do not belong to the world, but I have chosen you out of the world. That is why the world hates you. 20Remember the words I spoke to you: 'No servant is greater than his master.' If they persecuted me, they will persecute you also. If they obeyed my teaching, they will obey yours also. 21They will treat you this way because of my name, for they do not know the One who sent me. NIV: John 15:18-21
...Random blessings from the Word of God...
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Bible Out of ContextRandom Quotes from the Bible
1To every thing there is a season, and a time to every purpose under the heaven: 2A time to be born, and a time to die; a time to plant, and a time to pluck up that which is planted; 3A time to kill, and a time to heal; a time to break down, and a time to build up; 4A time to weep, and a time to laugh; a time to mourn, and a time to dance; KJV: Ecclesiastes 3:1-4
1There is an appointed time for everything. And there is a time for every event under heaven-- 2A time to give birth and a time to die; A time to plant and a time to uproot what is planted. 3A time to kill and a time to heal; A time to tear down and a time to build up. 4A time to weep and a time to laugh; A time to mourn and a time to dance. NASB: Ecclesiastes 3:1-4
1 There is a time for everything, and a season for every activity under heaven: 2 a time to be born and a time to die, a time to plant and a time to uproot, 3 a time to kill and a time to heal, a time to tear down and a time to build, 4 a time to weep and a time to laugh, a time to mourn and a time to dance, NIV: Ecclesiastes 3:1-4
...Random blessings from the Word of God...
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Bible Out of ContextRandom Quotes from the Bible
Seek the LORD and his strength, seek his face continually. KJV: 1 Chronicles 16:11
Seek the LORD and His strength; Seek His face continually. NASB: 1 Chronicles 16:11
Look to the LORD and his strength; seek his face always. NIV: 1 Chronicles 16:11
...Random blessings from the Word of God...
Put His Word in the context of your life!
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Bible Out of ContextRandom Quotes from the Bible
But now ye also put off all these; anger, wrath, malice, blasphemy, filthy communication out of your mouth. KJV: Colossians 3:8
But now you also, put them all aside: anger, wrath, malice, slander, and abusive speech from your mouth. NASB: Colossians 3:8
But now you must rid yourselves of all such things as these: anger, rage, malice, slander, and filthy language from your lips. NIV: Colossians 3:8
...Random blessings from the Word of God...
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Washington Post:
Personal Finance
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| Wash Post Personal Finance | 
- Color of Money Challenge: Soon-to-be-former inmates ready to rebuild their lives (Sun, 07 Mar 2010 00:00:00 EST)
Stephanie Harris's management and sales skills helped her earn $3,000 for just six or seven hours of work on a "good" day.
- The recession has hurt many people's credit scores. How to fix it? (Sat, 06 Mar 2010 00:00:00 EST)
The recession may have done a number on your credit score, even if it spurred you to reform spendthrift ways and cut up your credit cards. For many, the drops have come at the same time that lenders have tightened their standards and demanded higher scores to get the best interest rates.
- Sometimes losing a home is just the beginning of the pain (Sat, 06 Mar 2010 00:00:00 EST)
As if losing one's home in a foreclosure or short sale were not already sufficiently traumatic, many former homeowners are learning that the day they turn in their keys may be only the start of an even more prolonged housing-induced misery.
- Featured Advertiser (Sat, 06 Mar 2010 00:00:00 EST)
- Things to think about when considering a Roth conversion (Sun, 07 Mar 2010 00:00:00 EST)
Good news: You're eligible. Until now, only taxpayers with incomes of $100,000 or less were permitted to convert a traditional retirement account to a Roth IRA. But the income-eligibility limit on Roth conversions disappeared Jan. 1 (income-eligibility limits on contributions remain in effect). So...
- IRS offers help paying taxes (Sun, 14 Mar 2010 00:00:00 EST)
For the second year, the Internal Revenue Service is reaching out to folks in financial trouble.
- REITs show rising prices but growing risks (Sun, 14 Mar 2010 00:00:00 EST)
Analysts, bloggers, real estate dealmakers and managers of mutual funds are as puzzled as I am about the 90 percent rise in REIT indexes since March 2009. Commercial real estate lags the business cycle, so shares of real estate investment trusts normally do not rebound until after it's apparent the...
- (Sun, 14 Mar 2010 00:00:00 EST)
They say it is better to give than to receive, but paying taxes has got to be the one exception to this golden rule. At least I know that I felt far from virtuous as my tax bill kept climbing during a recent five-hour tussle with TurboTax.
- File Smart: It's time to make sure you've covered your tax bases (Sun, 14 Mar 2010 00:00:00 EST)
With just a month until the filing deadline, it's time to get serious about taxes.
- How to calculate the AMT, a tax we love to hate (Sun, 14 Mar 2010 00:00:00 EST)
Although almost everyone denounces it, the AMT is a big moneymaker for Uncle Sam, collecting more than $22 billion from four million taxpayers for 2008 alone. Congress has not found a replacement for this lucrative revenue raiser. Since 2001, however, lawmakers have approved a temporary patch each...
- Treasury hopes new rules send short sales to the rescue of underwater mortgages (Sat, 13 Mar 2010 00:00:00 EST)
With new Treasury Department rules designed to expedite short sales set to take effect April 5, relief can't come soon enough for some area buyers, sellers and real estate agents who have waded through a long and arduous process to get short sales approved by the bank.
- Expenses incurred buying a house can be a risk (Sat, 13 Mar 2010 00:00:00 EST)
I tried to buy a house. I applied for a loan, and the bank processed it as a Federal Housing Administration loan instead of a conventional loan. The house I was buying failed the FHA inspection, and I did not buy it.
- Affordable housing needs some public funding (Sat, 13 Mar 2010 00:00:00 EST)
Fairfax County aspires to greatly increase the amount of affordable housing at Tysons Corner for workers who now must commute there from afar, consuming time and fossil fuel while contributing to traffic congestion. But this newspaper reported recently that achieving Tysons's affordable housing...
- Lender blames escrow shortage for $400 increase in monthly mortgage payment (Sat, 13 Mar 2010 00:00:00 EST)
Q: We have owned our house for many years, and the lender has always escrowed money to pay our real estate taxes and insurance. This year, we received a notice from the lender that our monthly mortgage payment will increase by over $400 because there is an escrow shortage. Can we cancel the escrow...
- Featured Advertiser (Sat, 13 Mar 2010 00:00:00 EST)
- Some tax issues to consider on mortgage write-downs (Sat, 13 Mar 2010 00:00:00 EST)
With the Obama administration and private lenders actively considering mortgage principal-reduction programs to help financially distressed homeowners, the Internal Revenue Service has issued a new advisory to taxpayers who receive -- or seek to receive -- such assistance. The IRS gets involved in...
- Mortgage interest rates down for second week as home loan applications rise (Sat, 13 Mar 2010 00:00:00 EST)
Mortgage interest rates declined for a second consecutive week as the number of home loan applications rose.
- Borrowers in foreclosure prevention plan losing mortgage aid (Sat, 13 Mar 2010 00:00:00 EST)
About 90,000 distressed borrowers have lost their mortgage aid under the government's foreclosure prevention plan, and many more are at risk of losing the help, according to Treasury Department data released Friday.
- Montgomery, Md., pension deal eases sacrifice for unions (Sat, 13 Mar 2010 00:00:00 EST)
The politics of shrinking government spending can lead to tortured math and bureaucratic back flips. In one of the Washington area's wealthiest counties, recession has prompted a bout of creative bookkeeping and something called the "Phantom COLA."
- Borrowers wait for answers on Obama loan plan (Fri, 12 Mar 2010 16:34:05 EST)
WASHINGTON -- Hundreds of thousands of homeowners are in limbo waiting to find out if they will be accepted for the Obama administration's foreclosure prevention program.
- Treasury says 1 million homeowners in loan modifications (Fri, 12 Mar 2010 14:38:16 EST)
WASHINGTON (Reuters) - An Obama administration program to help struggling homeowners modify their mortgages has more than one million active borrowers, though fewer than 10 percent have obtained permanent loan modifications, according to a Treasury Department report released on Friday.
- Homeowners seek help at Glendale foreclosure event (Fri, 12 Mar 2010 12:04:42 EST)
GLENDALE, Ariz. -- Hundreds of homeowners trying to avoid losing their homes to foreclosure met with housing counselors and lender representatives at an event in Glendale on Thursday.
- KKR files for long-awaited NYSE listing (Fri, 12 Mar 2010 11:01:40 EST)
PHILADELPHIA (Reuters) - Private equity firm Kohlberg Kravis Roberts & Co has filed to list $2.2 billion in shares on the New York Stock Exchange, moving forward in its long effort to become a publicly traded U.S. company.
- New round of foreclosures threatens housing market (Fri, 12 Mar 2010 00:00:00 EST)
The housing market is facing swelling ranks of homeowners who are seriously delinquent but have yet to lose their homes, and this is threatening a new wave of foreclosures that could hit just as the real estate market has begun to stabilize.
- Online benefits calculators (Fri, 12 Mar 2010 00:00:00 EST)
Federal retirement: http://www.opm.gov/retire/tools/calculators/ballpark/menu.asp
- Slowly, Americans are regaining their lost wealth (Thu, 11 Mar 2010 19:06:16 EST)
WASHINGTON -- Americans are recovering their shrunken wealth - gradually. Household net worth rose last quarter, mainly because the healing economy boosted stock portfolios. But the gain was slight. And it was less than in the previous two quarters.
- Fed emergency loans decline in past week (Thu, 11 Mar 2010 17:05:30 EST)
WASHINGTON -- Banks borrowed less from the Federal Reserve's emergency lending program over the past week, providing further evidence that the strains caused by the financial crisis are easing.
- Gov't official warns on home down payment hikes (Thu, 11 Mar 2010 15:28:00 EST)
WASHINGTON -- The head of the Federal Housing Administration is warning that boosting the minimum down payment borrowers must provide to qualify for home loans backed by the agency could threaten the housing market.
- Featured Advertiser (Thu, 11 Mar 2010 15:28:00 EST)
- BofA retirement business winning clients: CEO (Thu, 11 Mar 2010 14:46:43 EST)
CHARLOTTE, North Carolina (Reuters) - Bank of America Corp's push into the competitive realm of managing retirement assets is paying early dividends.
- Foreclosures drop for 2nd month in February: RealtyTrac (Thu, 11 Mar 2010 07:20:14 EST)
NEW YORK (Reuters) - U.S. mortgage foreclosure filings dropped for a second straight month in February, and notched the smallest annual increase in four years as housing-rescue efforts contained activity, a report released on Thursday showed.
- Personal Finance: Prosperity for a purpose (Thu, 11 Mar 2010 10:06:00 EST)
- Compromise would shield payday lenders, pawnbrokers and car dealers from oversight (Thu, 11 Mar 2010 00:00:00 EST)
Payday lenders, pawnbrokers, car dealers and other companies that make loans but do not hold bank charters would be shielded from the scrutiny of a proposed federal consumer protection regulator under the terms of a tentative compromise between senators who are attempting to craft a bipartisan bill.
- Ex-official admits guilt in NY pension probe (Wed, 10 Mar 2010 17:15:54 EST)
NEW YORK -- A former top investment officer for New York's state pension fund admitted Wednesday that he helped channel hundreds of millions of dollars in public retirement money to investment firms that paid kickbacks to other officials to get the business.
- Curbing derivatives might hurt, not help, Greece (Wed, 10 Mar 2010 12:12:44 EST)
NEW YORK -- Derivatives have become a dirty word. The complex financial products helped blow up the U.S. housing market. They all but sank AIG. Now European officials want to crack down on a derivative called a credit default swap. It's an insurance-like product that they say has worsened Europe's...
- Citigroup tests waters in preferred securities sale (Wed, 10 Mar 2010 12:08:43 EST)
NEW YORK (Reuters) - Citigroup's launch of preferred securities on Wednesday is a potentially major test of market sentiment, one year after prices of bank bonds and stocks plunged to multi-year lows, analysts said.
- Home loan demand nudges higher in latest week (Wed, 10 Mar 2010 10:00:52 EST)
NEW YORK (Reuters) - U.S. mortgage applications nudged higher last week, reflecting increased demand for home purchase loans even as interest rates trekked higher, data from an industry group showed on Wednesday.
- Curbing derivatives might hurt, not help, Greece (Wed, 10 Mar 2010 00:24:49 EST)
NEW YORK -- Derivatives have become a dirty word. The complex financial products helped blow up the U.S. housing market. They all but sank AIG. Now European officials want to crack down on a derivative called a credit default swap. It's an insurance-like product that they say has worsened Europe's...
- Online benefits calculators for federal workers (Wed, 10 Mar 2010 00:00:00 EST)
Federal retirement: http://www.opm.gov/retire/tools/calculators/ballpark/menu.asp
- Commercial delinquency lower than other mortgages (Tue, 09 Mar 2010 14:41:53 EST)
WASHINGTON -- Commercial mortgages were among the best-performing loans and leases held by banks and thrifts in the fourth quarter of last year, the Mortgage Bankers Association said Tuesday.
- Featured Advertiser (Tue, 09 Mar 2010 14:41:53 EST)
- Market rebounds, but workers have minimal savings (Tue, 09 Mar 2010 11:56:27 EST)
DES MOINES, Iowa -- Tom Taormina is 65 and has no retirement savings.
- AIG sells Alico unit to MetLife for $15.5 billion (Mon, 08 Mar 2010 17:33:30 EST)
CHARLOTTE, N.C. -- American International Group Inc. said Monday that it will sell its American Life Insurance Co. division for $15.5 billion to MetLife Inc. The government-approved deal, AIG's second big asset sale in two weeks, will give the insurer more cash to repay the billions of bailout...
- MetLife seals Alico deal after two-year quest (Mon, 08 Mar 2010 16:22:41 EST)
NEW YORK (Reuters) - MetLife Inc pursued AIG's foreign life insurance business for two years before finally clinching a $15.5 billion purchase that will give it beachheads in 47 nations from Peru to Bangladesh.
- Canada Now Somewhat Less Anti-Startup (Mon, 08 Mar 2010 10:40:52 EST)
Canada isn't shy about making life difficult for startups , and we've had one or two personal brawls with the country as well. But a change in Canadian tax law last week is designed to spur U.S. venture investments in Canadian startups and make Canada less of a leper colony for tech entrepreneurs....
- China banker says local govt debt may be bank risk (Mon, 08 Mar 2010 06:45:11 EST)
BEIJING -- China's banks might face risks if finance arms set up by local governments to invest in real estate and infrastructure projects cannot repay heavy borrowing, a deputy central bank governor said Monday.
- US-BUSINESS Summary (Mon, 08 Mar 2010 02:31:41 EST)
Bulls may run more from March 2009 lows NEW YORK (Reuters) - Bulls may get more room to run this week on the anniversary of the March 2009 lows -- if U.S. stock investors see more signs of stability after Friday's rally on smaller-than-expected job losses. The catalysts could be February retail...
- With bank credit frozen, small U.S. businesses starting to turn to microlenders (Mon, 08 Mar 2010 00:00:00 EST)
Ryan Fochler's life changed six years ago when he left his job in the computer industry to buy an Arlington County-based dog-walking business with $50,000 in personal savings and a home-equity line of credit. The firm grew quickly, with revenue more than doubling each year. By 2008, Fochler was r...
- Financial pros offer strategies for financing a Roth conversion (Sun, 07 Mar 2010 00:00:00 EST)
Q: Should we borrow to pay the tax on a Roth IRA conversion?
- Starting over (Sun, 07 Mar 2010 00:00:00 EST)
A look at the two Maryland women who have agreed to let columnist Michelle Singletary advise them as they leave prison and start new lives.
- Converting IRA to a Roth could affect college financial aid (Sun, 07 Mar 2010 00:00:00 EST)
Q: I'd like to convert a traditional IRA to a Roth, but my son will be going to college soon. Will converting the IRA affect our chances of getting financial aid?
- Featured Advertiser (Sun, 07 Mar 2010 00:00:00 EST)
- 2010 Color of Money Challenge: Christine Foote (Sun, 07 Mar 2010 00:00:00 EST)
Christine Foote Age: 33 Background: Foote grew up in a middle-income family in Wicomico County, Md. She has a 14-year-old daughter, Samantha.
- 2010 Color of Money Challenge: Stephanie Harris (Sun, 07 Mar 2010 00:00:00 EST)
Stephanie Harris Age: 27 Background: Harris was raised in a middle-income home with parents who expected her to do well. "I had a great childhood with family values," she said. "When the street lights came on, we couldn't leave the alley behind our house." Harris, who said she was an honors stud...
- Fairfax's affordable housing plan might not change Tysons (Sun, 07 Mar 2010 00:00:00 EST)
Priced out of living in Tysons Corner, many among the 100,000-member workforce have been known to commute from as far as Fredericksburg and Oxon Hill, and even from points in West Virginia.
- Frank Ahrens: Why it's so hard for Toyota to find out what's wrong (Sun, 07 Mar 2010 00:00:00 EST)
I won't lie to you: I was not a good engineering student. That's one of the reasons I went into journalism. But I managed to acquire a bachelor of sciences in mechanical engineering, and the recent Toyota hearings on Capitol Hill brought back a lot of memories. Specifically, memories about how...
- Squatters in their own house: When banks don't foreclose (Sat, 06 Mar 2010 00:00:00 EST)
It's been more than 16 months since Eugene and Patricia Harrison last paid the mortgage on their Perris, Calif., home. Eleven months since the notice got slapped on their front door, warning that the house would be sold at auction.
- Looking to refinance? Ask yourself these four crucial questions. (Sat, 06 Mar 2010 00:00:00 EST)
We want to refinance our home loan. We are at 5.75 percent and might be able to get 4.85 percent on a 30-year, fixed-rate mortgage. We would save $87 to $104 per month, and we are thinking about adding extra money each month to pay off the loan faster.
- 30-year mortgage rates dip below 5% as market drags (Sat, 06 Mar 2010 00:00:00 EST)
Mortgage interest rates declined this week, lowering borrowing costs as the housing market's recovery shows signs of slowing.
- Rep. Barney Frank warns of Fannie, Freddie risks (Sat, 06 Mar 2010 00:00:00 EST)
An influential voice on Capitol Hill has unexpectedly called into question the safety of investing in Fannie Mae and Freddie Mac, raising the specter that investors who have lent money to the two firms or bought their mortgage-backed securities could one day suffer losses.
- Business Highlights (Fri, 05 Mar 2010 18:18:15 EST)
-- Unemployment rate unchanged as 36K jobs lost WASHINGTON (AP) - The unemployment rate held at 9.7 percent in February as employers shed 36,000 jobs, fewer than expected. The figures suggested the job market is slowly healing but that significant hiring has yet to occur.
- Consumer borrowing up in January after 11 declines (Fri, 05 Mar 2010 17:11:28 EST)
WASHINGTON -- Consumer borrowing broke a record stretch of declines with a small increase in January as a boost in auto loans offset continued weakness in credit card borrowing.
- Real Estate Live (Fri, 05 Mar 2010 13:00:00 EST)
Post Real Estate columnist Elizabeth Razzi will discuss the local housing market -- from condos and investment properties to contracts and mortgages on Friday, March 5, at 1 p.m. ET.
- ALL BUSINESS: Banks expand small-business loans (Fri, 05 Mar 2010 10:21:44 EST)
NEW YORK -- Banks know what the public wants to hear: They're lending money to the little guys.
- US-BUSINESS Summary (Fri, 05 Mar 2010 02:12:36 EST)
Asian shares surge on U.S. data, euro flat SINGAPORE (Reuters) - Asian shares surged on Friday after encouraging U.S. retail sales and jobs data suggested Asia's biggest export market was stabilizing, while the euro remained on the defensive amid the Greece debt crisis. Investors now have their...
- Online benefits calculators (Fri, 05 Mar 2010 00:00:00 EST)
-- Federal retirement: http://www.opm.gov/retire/tools/calculators/ballpark/menu.asp
- Levin is acting chair of Ways and Means panel (Thu, 04 Mar 2010 18:20:09 EST)
WASHINGTON -- Rep. Sander Levin of Michigan took over Thursday as chairman of the powerful tax-writing House Ways and Means Committee Thursday after Democrats decided they wanted a consensus builder rather than a firebrand going into the midterm elections.
- Mortgage rates fall below 5 percent (Thu, 04 Mar 2010 17:39:26 EST)
McLEAN, Va. -- Mortgages rates have dipped below 5 percent again, four weeks before a government program that is helping keep rates low is scheduled to run out.
- AIG units settle mortgage discrimination case (Thu, 04 Mar 2010 14:59:57 EST)
WASHINGTON (Reuters) - Two AIG units settled federal charges that they discriminated against black home buyers on fees for mortgages and will pay $7.1 million for restitution and education efforts, the U.S. Justice Department said on Thursday.
- Color of Money Book Club (Thu, 04 Mar 2010 12:00:00 EST)
Personal finance columnist Michelle Singletary and Thomas J. Stanley, author of "Stop Acting Rich . . . and Start Living Like a Real Millionaire," take questions on money matters.
- Personal Finance: Are you a pretender? (Thu, 04 Mar 2010 08:46:47 EST)
A pretender is someone who buys a BMW when they really have a Ford Fusion budget.
- FreeCreditReport.com isn't free; you want AnnualCreditReport.com (Thu, 04 Mar 2010 00:00:00 EST)
Beginning April 1, when you go online to view your federally mandated free annual credit reports, you'll get exactly what you came for. Hopefully.
- White House extends refinancing program for troubled homeowners (Tue, 02 Mar 2010 00:00:00 EST)
The Obama administration announced Monday that borrowers with little or no equity in their homes will have another year to take advantage of a refinancing program that so far has made little progress.
- Online benefits calculators (Tue, 02 Mar 2010 00:00:00 EST)
-- Federal retirement: http://www.opm.gov/retire/tools/calculators/ballpark/menu.asp
- Business Highlights (Mon, 01 Mar 2010 18:36:29 EST)
-- AIG to sell Asian life insurer to repay bailouts
- Featured Advertiser (Mon, 01 Mar 2010 18:36:29 EST)
- ISE slams dividend trade data as mkt share falls (Mon, 01 Mar 2010 15:18:57 EST)
CHICAGO (Reuters) - A specialized trading strategy known as dividend trades harms markets, misleads investors, and should not be included in overall reports of trading volume, the International Securities Exchange said on Monday.
- Reports show modest but steady economic recovery (Mon, 01 Mar 2010 13:19:03 EST)
NEW YORK -- Mixed reports Monday on manufacturing, construction and personal income and spending made clear that the economy is enjoying modest growth even though the recovery remains fragile.
- January spending increases but income growth slows (Mon, 01 Mar 2010 08:57:53 EST)
WASHINGTON -- Personal spending jumped by a larger amount than expected in January but Americans' incomes barely budged as millions of Social Security recipients did not get their usual cost of living boost. The weak income growth could depress spending in the months ahead, acting as a further drag...
- Not much impact from repeat buyer credit (Mon, 01 Mar 2010 02:33:03 EST)
-- It sounded like a great idea three months ago: Hand homeowners a $6,500 tax credit to find a new place to live, giving a thrust of energy to the housing market's recovery.
- The Color of Money: Michelle Singletary on women with a wealthy attitude (Sun, 28 Feb 2010 00:00:00 EST)
A PURSE OF YOUR OWN An Easy Guide to Financial Security By Deborah Owens with Brenda Lane Richardson. Fireside. $15 Except for the occasional special coin or the Martha Washington $1 silver certificate, I always wondered why the face of a woman isn't part of U.S. currency. Then I saw this quote f...
- 10 tips for spending less and saving more (Sun, 28 Feb 2010 00:00:00 EST)
If cheap is chic, then saving is suddenly sexy. America Saves Week, which is just wrapping up, takes on new meaning when the U.S. savings rate, which had dipped into negative territory, headed up to 4.6 percent last year. The savings rate could climb as high as 6.5 percent, according to Allianz G...
- Obama proposal aims to curb conflicts of interest in 401(k) investment advice (Sun, 28 Feb 2010 00:00:00 EST)
The Obama administration offered a long-awaited road map Friday for companies that want to perform potentially conflicting roles: managing retirement funds such as 401(k) plans for employers and advising employees as to which funds they should choose.
- Ask Kim: Use caution in closing credit cards (Sun, 28 Feb 2010 00:00:00 EST)
Q: I have several cards that I don't use, and I worry that I could get hit with inactivity fees and other new fees if card companies look for ways to make money in reaction to the new credit card law. It seems as though it would be better to close the credit-card accounts rather than have to pay the...
- Fighting foreclosure (Sun, 28 Feb 2010 00:00:00 EST)
THE OPTIMUM policy for the home foreclosure crisis is to modify the loans of as many distressed homeowners as possible. Making mortgage terms more affordable by mutual agreement enables families to stay in their houses, props up neighborhood home values and saves banks the huge costs of seizing and...
- Fannie Mae's huge loss means $15 billion more in rescue cash (Sat, 27 Feb 2010 00:00:00 EST)
Fannie Mae needs another $15.3 billion in federal assistance, bringing its total to more than $75 billion. And worse, the mortgage finance company warned that its losses will continue this year.
- Factors to consider in paying down the mortgage (Sat, 27 Feb 2010 00:00:00 EST)
We are still in our house almost 2 1/2 years after refinancing, and the rate on our interest-only mortgage is 6.5 percent. If I have $10,000 that I will not need in the foreseeable future, can I send that amount with our next payment to help pay down the principal on the loan? Or am I better off...
- Condo board has two options on delinquent fees (Sat, 27 Feb 2010 00:00:00 EST)
I am president of a six-unit condominium association in the District. Five of the owners reliably pay their monthly condo fee, but one does not. She owes more than $3,500. What options do we have? We understand that the unit owner is also delinquent on her mortgage payments. Can we foreclose on the...
- Featured Advertiser (Sat, 27 Feb 2010 00:00:00 EST)
- Be aware of good-faith estimate' rules, or it could cost you (Sat, 27 Feb 2010 00:00:00 EST)
If you are planning to take out a mortgage or refinance, you might want to hear this blunt message from federal officials: Don't fly blind. When you're shopping among competing lenders for the best terms and fees, make sure you know which quotes come with a guarantee and which do not.
- 30-year mortgage rates rise as new-home sales fall (Sat, 27 Feb 2010 00:00:00 EST)
Mortgage rates climbed for the first time in three weeks, increasing borrowing costs as new-home sales slumped to the lowest level on record.
- FDIC to test principal reduction for underwater borrowers (Fri, 26 Feb 2010 00:00:00 EST)
The Federal Deposit Insurance Corp. is developing a program to test whether cutting the mortgage balances of distressed borrowers who owe significantly more than their homes are worth is an effective method for saving homeowners from foreclosure.
- More bidders may emerge as fight for General Growth escalates (Fri, 26 Feb 2010 00:00:00 EST)
The battle for General Growth Properties, a major U.S. mall owner seeking to emerge from bankruptcy protection, is turning into the biggest real estate fight since the sale of Sam Zell's Equity Office Properties Trust.
- Personal Finance: CARD Act Impact (Thu, 25 Feb 2010 10:02:19 EST)
Most of the major features of the Credit Card Accountability Responsibility and Disclosure Act of 2009 are now in effect. Now we will see if this legislation will have the impact Congress intended and whether it really translates into more transparency and fairer policies for consumers.
- Second phase of Credit CARD Act changes begins (Thu, 25 Feb 2010 00:00:00 EST)
"Credit card debt, does it ever end?" That's a haunting line delivered by comedian Amy Poehler in a 2006 "Saturday Night Live" skit also featuring Steve Martin and Chris Parnell. The sketch was brilliantly and simply titled "Don't Buy Stuff You Cannot Afford." (You can view it at Hulu.com ).
- Pearlstein: Senators near an attractive deal on regulatory reform (Wed, 24 Feb 2010 11:00:00 EST)
The Washington Post's Steven Pearlstein discusses regulatory reform.
- Lack of customers, assets stunting growth of small business (Tue, 23 Feb 2010 00:00:00 EST)
The Obama administration says the nation's small businesses are waiting for loans so they can start growing again, sparking economic recovery.
- Treasury may seek to remove watchdog from small business lending program (Tue, 23 Feb 2010 00:00:00 EST)
Senior Treasury officials have told the financial bailout program's inspector general that they are considering excluding a new $30 billion small-business lending initiative from the watchdog office's oversight.
- Robert J. Myers, Social Security expert, dies at 97 (Mon, 22 Feb 2010 00:00:00 EST)
Robert J. Myers, 97, one of the nation's foremost Social Security experts, died Feb. 13 of respiratory failure at his home in Silver Spring.
- Michelle Singletary: Beware of the loopholes in the new credit card law (Sun, 21 Feb 2010 00:00:00 EST)
Beginning Monday, some of the more outrageous practices of credit card issuers will be outlawed. But just like a bully on a playground who doesn't punch when the teacher is watching, lenders will find ways to continue pummeling consumers.
- To help regain what you lost, don't abandon stocks (Sun, 21 Feb 2010 00:00:00 EST)
In the 1930s, Benjamin Graham, the father of security analysis, likened investing in stocks to doing business with a manic-depressive. Little has changed over the decades.
- Resist the temptation to join lawyer's bogus claim (Sun, 21 Feb 2010 00:00:00 EST)
Q: I am a 50-year-old white male who was recently laid off in a large downsizing after a long period of unprofitable operations at my company. I've been contacted by an employment attorney who is apparently approaching many other riffed employees, suggesting that we all file discrimination actions...
- Young can benefit from a Roth IRA (Sun, 21 Feb 2010 00:00:00 EST)
CHICAGO -- Saving for a teenager's retirement might sound far-fetched to parent and child alike, especially with college costs looming. Who's got time or money to be planning for the 2060s?
- Credit card reform might affect your wallet (Sun, 21 Feb 2010 00:00:00 EST)
Here is a breakdown of the reforms and how they might affect your wallet:
- Obama's $1.5 billion financing plan would help struggling homeowners in 5 states (Sat, 20 Feb 2010 00:00:00 EST)
LAS VEGAS -- President Obama unveiled a $1.5 billion program to aid the states hardest hit by the foreclosure crisis, a small but targeted effort to address a housing problem that continues to resist government solutions.
- Plan to boost tax on 'carried interest' stalls in Senate (Sat, 20 Feb 2010 00:00:00 EST)
Even as populist anger at Wall Street has reached a crescendo this winter, the Obama administration's drive to eliminate what critics call a lucrative tax break for wealthy financiers has stalled in Congress.
- Featured Advertiser (Sat, 20 Feb 2010 00:00:00 EST)
- Mortgage delinquency rate slows in fourth quarter (Sat, 20 Feb 2010 00:00:00 EST)
Borrowers fell behind on mortgages at a slightly slower rate late last year, but the overall number of homeowners in financial distress remained at record levels, according to industry data released Friday.
- Assumability: A hidden potential value to FHA loans (Sat, 20 Feb 2010 00:00:00 EST)
Does the assumability option on Federal Housing Administration loans offset their high mortgage insurance premiums? That is a great and very timely question. The value of assumability is as high as it is ever likely to be because of the broad consensus that interest rates in future years will be...
- Securing a 1098 form when your mortgage lender shuts down (Sat, 20 Feb 2010 00:00:00 EST)
Taylor, Bean & Whitaker serviced my mortgage until it was shut down last year. Will I get the end-of-year 1098 tax form from it?
- 30-year-loan rates dip to 4.93 percent (Sat, 20 Feb 2010 00:00:00 EST)
Rates for 30-year home loans edged lower for the second straight week, mortgage finance company Freddie Mac said Thursday, but they remained above last year's record lows.
- Real Estate Live (Fri, 19 Feb 2010 13:00:00 EST)
The Post's Elizabeth Razzi answers your questions about the local housing market.
- In D.C., more evidence that commercial real estate headed for foreclosure crisis (Fri, 19 Feb 2010 00:00:00 EST)
A mortgage crisis like the one that has devastated homeowners is enveloping the nation's office and retail buildings, and few places are likely to be hit as hard as Washington.
- Color of Money Live (Thu, 18 Feb 2010 12:00:00 EST)
Personal finance columnist Michelle Singletary hosts a discussion with Thomas J. Stanley, author of "Stop Acting Rich . . . and Start Living Like a Real Millionaire," The Color of Money Book Club selection for February.
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