/personal/Banking/index.shtml Personal Finance / Banking zh-cn <a href='http://www.dedecms.com' target='_blank'>Power by DedeCms</a> kkcba@163.com /personal/Banking/2007092924720.shtml Gerri Willis handles all your questions on stopping credit card offers, payment plans and a reader weighs in with a helpful tip. Question 1: How do I get my name removed from credit card mailing offers? - Al, New York Here's what you need to do. Go t 2007-09-29 Banking 秩名 en.yinlu.net /personal/Banking/2007092822828.shtml As more and more people get frustrated with the sluggish housing market, people who want to sell their homes are looking at a different tactic...auctioning off their home. We'll tell you what you need to know if you're thinking about putting your hom 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822827.shtml The US subprime market mess appears to have claimed its first senior Asian victim this week, with the departure of Jackson Tai, chief executive of DBS Bank. South-east Asia's largest lender recently doubled its previous estimate of exposure to collat 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822826.shtml CHICAGO (MarketWatch) -- Credit-card delinquencies fell slightly during the second quarter, even during a time that some consumers struggled to keep up with their mortgage payments, according to the American Bankers Association's Consumer Credit Deli 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822825.shtml The subscale, regional business model of the Landesbanken is kaput. Despite a flurry of activity among Germany's regional state-controlled banks, attempts to address this problem are likely to fall short of the mark. Following the pain of the subprim 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822824.shtml Northern Rock's market capitalisation has shrunk to less than 1 per cent of its assets. That means wild swings: within one hour yesterday the shares moved by 36 per cent. It has also attracted bottom-fishers, with a prominent hedge fund taking a stak 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822823.shtml Everybody likes free stuff. So put your wallet away and get out those pencils. We went out to find the best deals out there for the taking. 1: Free Samples Let's face it...free stuff is the best stuff. You have to be careful of free-product programs. 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822822.shtml When The University of Minnesota's 52,000 students arrived in early September, they received new "U Cards," a multi-purpose ID that doubles as a library and security card. But the new IDs also have debit and ATM features for students who open a check 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822821.shtml Ever had a really, really bad day? Your water heater blows up. You're in the basement cleaning up the mess, and you hear a huge crash -- a tree falls on your house. Running outside to look at the damage, you see a Mack truck backing over your car, sq 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822820.shtml Question 1: Will the lower rate affect the interest rate the credit card company charges me? - Kim, TX The rate cut is a good thing if you're a credit card holder. If you have a variable rate card, you could see your interest rate go down slightly ac 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822819.shtml There's nothing quite like the joy of a new (or a nearly new) car. Everything works exactly as it should, the paint shines, the motor purrs, the interior is clean and has that wonderful new-car smell, and if anything should go wrong, the dealer will 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822818.shtml What's one of the most ruinous and underrated things that can rob you of money over your lifetime? Neglect. You know what I'm talking about. Picture this scene: You're at your 6-year-old's soccer game, chasing your 3-year-old out onto the field. Your 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092822817.shtml Quick questions: Would you rather spend $50 on unnecessary electricity, or on a share of stock that will help provide for a more comfortable retirement? Would you rather spend $100 on an unnecessarily inefficient refrigerator, or on a night out with 2007-09-28 Banking 秩名 en.yinlu.net /personal/Banking/2007092022142.shtml Forget Northern Rock. The UK bank most damaged by the credit crisis may actually be the Bank of England. After Wednesday's announcement of further market interventions, its actions resemble a series of concessions ending in capitulation. Back in Augu 2007-09-20 Banking 秩名 en.yinlu.net /personal/Banking/2007092021419.shtml Would you like to know what 36,298 credit card users had to say about the 61,944 cards they've used recently? Would you like to know which ones they like the most? Well, the Consumer Reports National Research Center has some answers for you, along wi 2007-09-20 Banking 秩名 en.yinlu.net /personal/Banking/2007091717206.shtml The banks falling furthest in sympathy with Northern Rock hail from the UK, Spain and Ireland. These included all 10 of the European sector's worst performers on Monday. None appear to be in difficulty. Spain's central bank made a public statement th 2007-09-17 Banking 秩名 en.yinlu.net /personal/Banking/2007091717205.shtml "There is an element in the readjustment of our financial system more important than currency, more important than gold, and that is the confidence of the people." Four thousand US banks had closed when President Franklin D. Roosevelt spoke those wor 2007-09-17 Banking 秩名 en.yinlu.net /personal/Banking/2007091415080.shtml All eyes are on the Federal Reserve and whether or not it will cut rates next week. If you're looking for a loan, wondering whether to refinance or just anxious about real estate, here's how to play the Fed's decision in your favor. Investors are exp 2007-09-14 Banking 秩名 en.yinlu.net /personal/Banking/2007091311737.shtml Although last week's job numbers were disappointing, a new survey by Manpower indicates the job market will remain steady and cautious. About 27 percent of companies will increase their workforce, while 9 percent plan on cutting their payrolls. Here 2007-09-13 Banking 秩名 en.yinlu.net /personal/Banking/200709118689.shtml Economic news out last week pointed to a weakening trend in job growth. With tightening credit standards and a stagnant housing market and worries about a recession on the horizon, you may be thinking about padding up that bank account a little. We'l 2007-09-11 Banking 秩名 en.yinlu.net /personal/Banking/200709118688.shtml Security tags with changing numbers dangle from key chains all over Europe. They're still rare in the U.S. But as banks and regulators push for more online security, those security tokens may hold the key for keeping hackers, phishers and other scamm 2007-09-11 Banking 秩名 en.yinlu.net /personal/Banking/200709086893.shtml If, deep in your heart, you don't really believe in the value of reading the fine print in offers you receive, read on. (Don't worry. The print is relatively large.) I recently ran across a rather shocking story about a credit card, authored by Curti 2007-09-08 Banking 秩名 en.yinlu.net /personal/Banking/200709086892.shtml Do you get hot sweats, a cold fever, a nervous stomach, or something worse when you peer into your checking account on Tuesday and find it empty -- then realize that payday isn't until Friday? You're suffering from Paycheck-to-Paycheck Syndrome, a ma 2007-09-08 Banking 秩名 en.yinlu.net /personal/Banking/200709075455.shtml WASHINGTON (MarketWatch) -- Question: I am in a bit of a bad situation here. We bought our property just over two years ago and now the electric company is building an eyesore across the street from us. I believe it will have a huge impact on our hou 2007-09-07 Banking 秩名 en.yinlu.net /personal/Banking/200709064124.shtml At least US banks have outperformed motorcycle makers and housebuilders. Still, the sector languishes near the bottom of the SP 500 for the year to date, down 14 per cent. European banks are off about half that, with only property stocks underperform 2007-09-06 Banking 秩名 en.yinlu.net /personal/Banking/200709053479.shtml It's often occurred to me that people who have had children together can't really split up completely -- at least, not until the children are grown, and perhaps not even then. They'll always be in each others' lives in some way. That's not unlike wha 2007-09-05 Banking 秩名 en.yinlu.net /personal/Banking/200709042814.shtml Don't mess with the chairman. That's the lesson from power struggles at two European banks this year. The octogenarian Cesare Geronzi came out on top at Capitalia, eventually accepting a bid from Unicredit. Now the civil war at Portugal's biggest ban 2007-09-04 Banking 秩名 en.yinlu.net /personal/Banking/200709042813.shtml It looks like a punt on the power of persuasion. On Monday, HSBC announced that it had finally signed an agreement to buy a 51 per cent stake in Korea Exchange Bank for $6.3bn. The trouble is, there is no green light from Korea's financial regulator. 2007-09-04 Banking 秩名 en.yinlu.net /personal/Banking/20070903967.shtml Writing a bad check is a simple mistake that can snowball into a nightmare of bounced checks, bank fees, and angry merchants wanting to collect what you owe them. If you've ever gone through that experience, overdraft protection has an undeniable app 2007-09-03 Banking 秩名 en.yinlu.net /personal/Banking/20070903900.shtml The Federal Reserve Bank of Chicago announced Monday that it has named Charles Evans as its new president and CEO, effective Sept. 1. Evans currently serves as the bank's senior vice president and director of research. He will replace Michael Moskow, 2007-09-03 Banking 秩名 en.yinlu.net /personal/Banking/20070902308.shtml A few months ago, investment bankers were looking forward to another round of record bonuses. The credit market pile-up has put paid to that. The worry now is exactly how far bonus pools will shrink from last year. That will delight the commentators 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070902307.shtml If the currencies had been the same, no one would have believed Barclays (NYSE:BCS). On Thursday, it emerged that the UK bank had been forced to borrow 1.6bn from the Bank of England's emergency lending facility. On Friday, Barclays said it would len 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070902306.shtml If the currencies had been the same, no-one would have believed Barclays (NYSE:BCS). On Thursday it emerged that the UK bank had been forced to borrow 1.6bn from the Bank of England's emergency lending facility. On Friday it said it would lend $1.6bn 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070902305.shtml What twist of globalisation left Asian banks holding wads of securities backed by US subprime mortgages? Bank of China admitted to nearly $10bn worth of exposure, the big Japanese banks a further $5bn or so. Singaporean and Korean banks have also bee 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070902304.shtml A senior banker in charge of complex debt vehicles at Barclays Capital quit this week amid the global credit crisis, according to published reports. Edward Cahill, who led the collateralized debt obligation division at the British bank, left earlier 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070902303.shtml Deutsche Bank is expected to announce Monday that it has hired former Federal Reserve chief Alan Greenspan as a senior adviser, according to a published report. The Wall Street Journal said Greenspan will advise the German bank's corporate and invest 2007-09-02 Banking 秩名 en.yinlu.net /personal/Banking/20070901196.shtml Labor Day is right around the corner, but before you take off for the holiday weekend, make sure your home is safe when you're not there. Here are some guidelines to keep your home protected. 1: Secure the Entryways Make sure you cut the shrubs belo 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901195.shtml With median home prices falling, it's not an especially good time to sell your home, so generating revenue by renting may be more attractive. Here's what you need to know if you want to be a landlord. 1: Know thyself Renting is not for everyone. If 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901194.shtml Web sites that can help you go green in small ways WASHINGTON (MarketWatch) -- Being environmentally conscious and conserving energy doesn't have to mean radical lifestyle changes or saving a rain forest halfway around the world. A number of creativ 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901193.shtml Future of incandescent bulb dims as energy-efficient options gain power WASHINGTON (MarketWatch) -- If U.S. lawmakers have their way the lights may soon go out on Thomas Edison's greatest invention -- the incandescent light bulb. The 19th century in 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901192.shtml When it comes to my personal money matters, I'm a very imperfect steward. One bad habit I'm trying to break is my frequent failure to examine the receipts I get when I'm done shopping. I know that by failing to do so, I may not get those raspberries 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901191.shtml You're reading stories every day about people losing their homes and life savings. You're wondering whether you could be the next casualty. Stop wondering. Do something. Right now. It's impossible to know just how ugly things could become. But one t 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901190.shtml Future of incandescent bulb dims as energy-efficient options gain power An earlier version of this story misspelled the name of U.S. Rep. Jane Harman, D-Calif. WASHINGTON -- If U.S. lawmakers have their way the lights may soon go out on Thomas Ediso 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901189.shtml Beef up your credit score, but don't overstuff it WASHINGTON (MarketWatch) -- Question: You always seem to be advising readers with poor or just OK credit on how to boost their credit scores. What if a person has no credit-card debt, no bad marks on 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901188.shtml Four of the biggest U.S. banks came calling at the Federal Reserve Wednesday, taking central bankers up on their offer of extra liquidity to the tune of $2 billion in new loans. Citigroup (NYSE: - ), JPMorgan (NYSE: - ), Bank of America (NYSE: - ) a 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901187.shtml Capital One Financial Corp. said it would shut a mortgage lending business it bought less than a year ago and cut 1,900 jobs. The from Capital One is the latest in a string of announcements from lenders as problems in the subprime mortgage market ha 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901186.shtml There's no arguing that, financially, twosomes have a leg up on their single competition. Couples get price breaks on insurance premiums, save money by splitting the cable and electric bills, and have built-in justification for buying the family-siz 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901185.shtml If there were any doubts about the PPT (Plunge Protection Team) being active in this market, you have probably changed your views by now. There have been 3 significant intraday upside reversals over the last 2 weeks, following negative subprime or r 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901184.shtml Home prices continue their fall, now averaging $223,800, down 1.5 percent from a year ago. Sluggish home sales and rising delinquencies are a very real problem in many markets. The news isn't good, particularly for sellers, but we'll give you the to 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901183.shtml Job cuts have begun at Bear Stearns and that could mark the start of a broader wave of layoffs across Wall Street as firms survey the damage caused by the recent downturn in financial markets. Some 240 employees at a Bear Stearns lending unit were l 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901182.shtml When back to school season starts, it won't be just kids who are getting ready - adults in their 30s and 40s are gearing up for the academic year. If you've thought about going back to college, we'll give you the 101. 1: Focus your goal As an older 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901181.shtml Mattel announced another major recall of toys made in China, feeding international worries about the safety of products made in China. What can you do to keep your child safe? 1: Know the details To get the full list of toys that have been recalled, 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901180.shtml Three simple ways to put solar power to use NEW YORK (MarketWatch) -- Day in and day out through the summer I watch the temperature creep up and the sun beat down on my yard and I wonder: what can I use the sun for? A great source of cheap, green po 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901179.shtml I am an optimistic person. I am a positive person. I am a jubilant person...with everything but Wall Street...and as an aside, with the Mets' bullpen. As you know, I have been and am always suspicious of the goings on...on Wall Street. It is still c 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901178.shtml For a change, Bear Stearns (NYSE: - ) is not the only brokerage making headlines for bad investments. Goldman Sachs (NYSE: - ) saw shares sink further Friday after reports that another of its hedge funds was losing money. That fund, North American E 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901177.shtml The credit meltdown looks like it is arriving at full effect. On Friday, the Federal Reserve added cash to the banking system for the second straight day, purchasing $19 billion worth of mortgage-backed securities. Yesterday, the European Central Ba 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901176.shtml Parents beware - financial aid scams are growing. Complaints are up 60 percent last year, according to the Better Business Bureau. Here's what you need to watch out for. 1: Beware the seminar hoax Parents from New York to California have contacted t 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901175.shtml WASHINGTON (MarketWatch) -- As a growing number of borrowers fall behind on their mortgage payments, the smartest move they can make is to contact their lender, mortgage-industry experts and consumer advocates say. These days, there's more incentive 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901174.shtml They've tinkered with tokens. Now they're considering cards and mulling messaging. Banks and brokerages have been on the hunt for just the right way to boost log-on and transaction security for customers. They seek the perfect balance of convenience 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901173.shtml American Home Mortgage filed for Chapter 11 bankruptcy protection this week. Mortgage banking company Homebanc announced it will shutter its doors. Other mortgage lenders are also sending out distress signals. Here's what you need to know if your mo 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901172.shtml What would you do if I took your paycheck, stuffed it under my mattress, then demanded money every time you wanted a little bit of cash? You'd probably have me arrested for extortion. Yet millions of us fork over fees to a bank every time we visit a 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901171.shtml Before you go away on vacation, heed these banking tips PALM BEACH GARDENS, Fla. (MarketWatch) -- Going on vacation raises some bank-related questions. For instance, is it better to use a credit card or a debit card when you travel? If you're the ty 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901170.shtml Companies in the financial services industry differ when it comes to defining mass affluent. Generally, it means that you have a minimum of $100,000 to $250,000 in investable assets, although some consider $50,000 acceptable. The growth in this segm 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901169.shtml Spend your way to college savings NEW YORK (MarketWatch) -- I like rewards cards. Rewards cards return cash -- or something tangible -- in proportion to how much you use them. As long as you're using a credit card, you might as well split the profit 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901168.shtml Take a closer look at a home's landscape, even if it is pristine at first blush CHICAGO (MarketWatch) -- An infestation of carpenter ants signaled the demise of a shade tree in Doug Cowles' yard almost 20 years ago when he lived in Downers Grove, Il 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901167.shtml This past Thursday was the second worst day of the year for the Dow Jones Industrial Average. But remember, it was just a week ago today that the Dow closed above 14,000 for the first (and only) time. What it means for 401(k) investors Fluctuations 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901166.shtml Who is liable for mistakes at closing table? WASHINGTON (MarketWatch) -- Question: I recently sold a home in Nevada. After supplying me with good faith estimates and after closing and recording, the escrow company and real estate broker have contact 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901165.shtml The banking industry has been going through tough times. Profit margins have come under pressure due to falling interest rates. At the same time, problems in mortgage lending also impacted some banks during the latest quarter. Now that the credit pr 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901164.shtml Home sales this year will be the lowest since 2002, according to the National Association of Realtors. If you're struggling to draw attention to your home, you may just have to up the ante. Here's how to make a deal more attractive to buyers. 1: Sho 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901163.shtml Should you seek rewards for on-time loan payments? PALM BEACH GARDENS, Fla. (MarketWatch) -- Growing loan trend: Borrowers who pay on time get rewarded either by cash or with a lower interest rate. Good deal? That depends. Discover Financial Service 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901162.shtml Mortgage lenders may be tightening their credit standards, but based on the amount of mail I get, credit card companies aren't slowing down their efforts to gain new customers. One of card issuers' most popular enticements to sign up for new plastic 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901161.shtml Beware of costly services on way to 'free' credit report BOSTON (MarketWatch) -- My summer reading has included some interesting letters, coming from readers with interesting questions. Here are a few that you, too, might find worth a look-see. From 2007-09-01 Banking 秩名 en.yinlu.net /personal/Banking/20070901160.shtml Untitled Document Dear Dr. Don, I asked my bank if I could set up a biweekly payment for my house and they said that they do not offer that program. I also indicated that I would like to pay more principal but they said that it would just sit in the 2007-09-01 Banking 秩名 en.yinlu.net