Adzookie Will Pay Your Mortgage for Ads on Your House

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Posted by Declan Stretton | Posted on 06-04-2011

Tags: Mortgage, Mortgage Ads

Hey check this out, it is a way to get your mortgage paid for an entire year. By Mark Hachman

Adzookie, a free advertising network for mobile devices, said Tuesday that the company will pay your mortgage if it can paint your house with an ad for the service.

The site is taking applications at its PaintMyHouse site.

Like Adzookie itself, the promotion is an ad, explained Mark Oskorus, the company’s vice president of marketing. The budget for the promotion is just $100,000, some of which will be used up in painting the houses with advertising and then repainting them their original colors when the customer opts out or the promotion ends.

Depending on what happens and how much business it brings back to the site, the promotion may be extended, Oskorus explained.

Adzookie is just one of a growing number of mobile ad networks. On

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Chase Freedom Mastercard $100 Bonus and 0% APR on Balance Transfers for 12 Months

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Posted by Declan Stretton | Posted on 03-04-2011

Tags: Chase Freedom, Freedom

It has been a bit of a while, but it seems that the major credit card issuers are finally bringing back some of the great offers that we saw prior to this whole housing mess. The Chase Freedom Mastercard is one of those cards that has a great offer if you are looking for a new credit card.

There is a $100 bonus when you spend $500 in the first 3 months after opening the account. And in addition to the bonus, there is a 0% APR for 12 months on Balance Transfers that are made within the first 30 days that the account in open. Note that there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, however if you have a balance on another card with a higher interest rate, you will most likely save money moving it to a 0% rate. There is also a promo rate of 0% for 6 months on all purchases made with the card.

The Chase Freedom Mastercard also is a rewards card.

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How to read your credit reports

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Posted by Declan Stretton | Posted on 26-03-2011

LOAN TYPE ABBREVIATIONS
MN – Open/Monthly Account is an account to be paid in full after each billing.

IN – Installment Account is an account with a fixed number of specified payments.

RV – Revolving Account is an account with regular monthly payments on the balance due.

UN – Unknown Account is an account with an unknown loan type, too new to rate; approved, but unused.

IN-Individual has contractual responsibility for this account.

J- Joint account,  creditor/repository is unable to distinguish between Joint Account -
Contractual Responsibility or Joint Account – Authorized user.

JI- Spouse and becomes liable if the other individual defaults.  These are
others who may also have contractual responsibility for this account.

JA- Individual is only authorized to use this joint account, another individual is responsible for payment.  Another indi

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Credit card consumers should set up direct debits

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Posted by Declan Stretton | Posted on 25-03-2011

Tags: Card, Credit Card

There are many ways in which people with credit cards make repayments on their credit card debt, with some paying by Internet bank or by phone and others paying at a post office or through the bank. There are also people that set up a standing order or direct debit to make their payments on their credit cards, and industry officials have said that this is usually the most suitable and convenient way, which could also save them facing charges from late and missed repayments.

Many people that make payments manually on their credit card debts have the hassle and inconvenience of having to remember to make the payments and having to take some sort of physical action – such as making a call or heading to the post office of bank – to make the payment. Tho

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Take advantage of credit card competition

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Posted by Declan Stretton | Posted on 21-03-2011

Tags: Card, Credit Card

There are many people that have credit cards with high interest rates on which they still hold high balances, particularly in the first half of the year following the busy and costly Christmas and New Year period. Many will also be accruing more debt on their cards over the Easter period as they take the kids away, spend money on entertaining or visiting relations, and keeping the kids busy over the holidays.

With all of this in mind it is not surprising that many people are looking for ways to try and reduce the amount of money that they will end up paying back on their credit cards, especially those that come with really high rates of interest. The good news is that the competition amongst credit card providers when it comes to balance transfer credit cards has been rising and this means that there are much better deals out there for those that have a pretty decent credit rating and are able to secure these deals.

In years gone by the interest free periods that were offered on balance transfer credit cards were often six to twelve months.

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Save your home from foreclosure

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Posted by Declan Stretton | Posted on 19-03-2011

Tags: Home, Home Foreclosure

The U.S. Treasury Department has approved CalHFA’s plan to use nearly $2 billion in federal funding to help California families struggling to pay their mortgages.

The Keep Your Home California programs are focused on assisting low and moderate income families stay in their homes, when possible, and leveraging additional contributions from mortgage servicers.

Primary objectives for the Keep Your Home California programs include:

Preserving homeownership for low and moderate income homeowners in California by reducing the number of delinquencies and preventing avoidable foreclosures.
Visit http://www.keepyourhomecalifornia.com to see if you can help yourself.

Emily’s list: Prepaid debit cards edition

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Posted by Declan Stretton | Posted on 04-03-2011

Tags: Cards, Debit Cards, Prepaid Debit, Prepaid Debit Cards

Thanks to rising bank fees, students and young adults with simple finances may begin turning to prepaid debit cards rather than having a checking account, according to a March 1 study reported by Reuters. For those with simple finances, there isn’t much of a difference between these and traditional debit cards linked to bank accounts, says the study, commissioned by the Network Branded Prepaid Card Association. These cards are reloadable, and some employers can now pay employees via a direct transfer to a prepaid card.

While prepaid cards can rescue you from bank fees, they can come with a whole slew of their own fees, so Consumers Union advises readers to read the fine print closely. They recommend avoiding cards with inactivity or cancellation fees. Additionally, some prepaid debit cards come from FDIC-insured banks, while others are from private companies, so be sure to do your research.

The article features an expert who advises that people get a prepaid card that has online bill pay.

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