While walking through Target one fine September day, I came across aisles upon aisles of Halloween costumes and decorations. There were pumpkin baskets and paper spiders and witches and skeletons and bats. The walls were stuffed with candy, so much so that my fillings hurt just looking at it. I was overwhelmed by the overwhelming [...]

• St. Patricks Day Holiday, Seasonal Collectibles
• Valentines Day Holiday, Seasonal Collectibles
• Costumes Vintage Pre-1960 Halloween Holiday, Seasonal Collectibles
• July 4th Holiday, Seasonal Collectibles
• Bunnies, Rabbits Contemporary 1960-Now Easter Holiday, Seasonal Collectibles

Continue reading → Extreme Savings with Belated Holiday Scheduling

The $700 billion bailout package has raised a lot of eyebrows on Main Street. After all, isn’t it Wall Street’s fault for making all these risky investments that went bad? If so, why on earth would the government want to use taxpayer money to bail them…

• Sesame Street Animation Characters Animation Art, Characters Collectibles

• MortgageFit -- World's Largest Mortgage Community MortgageFit's premise is There is no common answer to varied mortgage issues. So as a community, our members provide personalized knowledge and guidance on mortgage and related issues. To that end they have built and grown a community of mortgage professions, interested observers, and a public in need of answers.......

Continue reading → What happened to personal accountability?

If you don’t know where you’re going, who knows where you’ll end up? Whether you are trying to get out of debt, start investing, start saving for your child’s retirement, or anything else, it’s important to have a purpose. Without having any specific goals, it can be very hard to beat your financial worries. However, [...]

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• Do You Go For the Gold Financially? Now that the Olympics are over, many people have been inspired to try harder, to live their dreams and to focus on their futures. These same feelings and motivation can be carried over to your financial life as well. There is no better time than right now to get your......
• 2007 Propser.com Financial Expectations and Goals Happy New Year.  I hope your 2007 is prosperous and that all of your stretch goals come true. Expectation Goal Stretch Goal 2007 Year Ending Account Value $4,386.37 $5,062.84 $5,740.86 Return on Investment (ROI) 10% 12% 14% New Reinvestment Loans 24 27 30 Number of Defaults 2 0   Per Month......

Continue reading → How to Set Goals: The First Step to Financial Success is Knowing What You Want

The latest book review here at Richer by the Day is A Random Walk Down Wall Street by Burton Malkiel.

In this book, the author systematically disproves virtually all methods of predicting future stock performance.  He goes beyond discrediting both technical and fundamental analysis to include more exotic methods as well.  He shows how consistently beating [...]

• Stock Certificates, Bonds Paper Railroadiana, Trains Transportation Collectibles
• Sesame Street Animation Characters Animation Art, Characters Collectibles

Continue reading → A Random Walk Down Wall Street Book Review

Every so often, I get questions from readers. I’d love to get more (contact me) but sometimes the questions I do get deal with topics that are a little outside my level of expertise. When this happens, I often try to direct the person to place that I think can help them find [...]

Continue reading → Getting Answers To Your Financial Questions

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other [...]

• Card Shuffler Casino Collectibles
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• Card Guards Casino Collectibles
• Credit, Charge Cards Trading Cards Collectibles

• 6 Easy Tips on Raising Your FICO Score In today’s world, it’s easy to define your self worth by your FICO score. Whether you are trying to buy a house, get more credit or just get back on the right track, a low FICO score can really impact your entire life. However, there are some easy steps that......
• Welcome to the Carnival of Credit Report Stories Welcome to the November 10, 2008 edition of credit report stories! Rich Credit Debt Loan is happy to host the latest edition of the Credit Report Stories carnival. We hope you enjoy the posts and find many worthwhile articles. Below are our editorial picks: Credit Karma presents Balance Needed As......

Continue reading → Restore Your FICO Score – Part Three

Something that has been of concern since last year, is the run on effect of sub prime both internationally, and then into other credit products.
The Globe and Mail pick up on that theme with a piece on US Credit Cards.
“If history is any indicator, there should be an equivalent surge in credit-card charge-offs very soon,” [...]

• Mint Canada Stamps
• Booklets Canada Stamps
• Canada Dry Soda Advertising Collectibles
• Blocks Multiples Canada Stamps
• Air Mail Back of Book United States Stamps

• 1971 Canadian Fifty-Cent Piece Money -> Coins-Canada -> Fifty-Cents ......
• Canadian Coins Coins and Paper Money -> Coins: Canada -> Commemorative Whether you are from Canada, or just interested in collecting Canadian coins, there are plenty of options out there and many of these coins are actually quite valuable. Before you get started with your collection, it’s a good idea to know......

Continue reading → US Credit Card debt under the microscope | Globe and Mail

Many of us go through life, blissfully unaware of what is going on in our credit reports. We pay our bills on time, at least most of the time, and open up new credit cards whenever we feel like it. In fact, you may never really know just how bad your credit is until you [...]

• Credit, Charge Cards Trading Cards Collectibles

• Restore Your FICO Score – Part Three In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but......
• Restore Your Fico Score – Part One While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not......

Continue reading → The Importance of Knowing What Is In Your Credit Report

I am not a morning person. I know this about myself, but am starkly reminded of this fact when my alarm goes off at 6am. In a zombie trance I get out of bed, put the kettle on and have a shower. I put on the clothes I chose the night before, as I know [...]

Continue reading → Honey I’m Home ( aka A Typical Kiva Day in the Office )

It’s always nice to hear about other members in the Zopa community. One of our first borrowers was ‘matchsticks’ who has used Zopa loans to kick start her recruitment business and all seems to be going very well - congratulations!
But Emma also began blogging a while back, so we thought we’d share it with you.
See [...]

Continue reading → More on our members

Today’s drop in the US equity market is going confirm the idea of a recession in the minds of many Americans. Hopefully your sitting on a substantial pile of cash that you can invest with in the coming months and year. If the government and the Fed have their way we’ll get inflated out [...]

Continue reading → Recession - A Reality

As you may have read, Citigroup recently agreed to purchase Wachovia’s banking operations for about $2.1 billion in a deal brokered by federal regulators. Wachovia’s troubles are similar to those of Washington Mutual, whose assets were seized by the Federal Deposit Insurance Corporation last week and sold to JPMorgan Chase. Wachovia sold thousands of adjustable [...]

• Banking, Insurance Advertising Collectibles
• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money

• Financial Web Advertisment on RateLadder I would like to thank Financial Web for their advertisement and sponsorship of Rate Ladder, P2P No Bank, and Pro Prosper. FinWeb.com is an independent financial portal which values information and education... Educating yourself concerning pertinent financial topics is the key to making quality financial decisions. The decisions that you make......
• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......

Continue reading → Help Your Neighbors

Everybody likes to take a vacation. Some people get away on a regular schedule and others only when they are forced to leave work. Either way, if you like to vacation or you have reached a wall and need a break, here are the initial steps in planning a stress-free vacation, along with some budget [...]

• Deals France Skiing Vacation
• Deals Oregon Skiing Vacation
• Deals Chamonix France Skiing Vacation
• Deals White Pass Washington Skiing Vacation
• Deals Austria Skiing Vacation

Continue reading → First Steps in Budget-Friendly and Stress-Free Vacation Planning

Many of us don’t realize just how much of an impact our credit scores can have on our finances. What triggers change in your credit scores? Well, if you have had difficulty paying your bills in the past, or you have not done much work to build up your credit history, chances are your score [...]

• Credit, Charge Cards Trading Cards Collectibles
• Time Travel Romance Books
• Time Travel Romance Audio Books

• 2 New Loans (Part 1/2) -- CCSJ Marketing Acquisition & Expansion -- $20,000 at 15.65% -- C Credit -- DTI 14% A new loan funded this afternoon (CCSJ Marketing Acquisition & Expansion   (Loan #6383) — $20,000 at 15.65%).  I participated via my standing order: Low DTI -- AF.  Which is this loan was funded as a low debt to income ratio and was an auto-funding loan.  The borrow had C......
• Loan Rate Ananlyzer Strategy Update With some of the loans that I analyze there aren't enough matching loans to analyze the interest rates.  I have been thinking of ways to increase the pool of loans without changing the match characteristics.  To that end from what I can tell DTI seems to be the least correlated......

Continue reading → Is The State of Your Credit Forcing You to Spend More Money?

Zopa.it goes live: 16th January 2008*
Average gross return on money lent-out through Zopa.it: 7.66%
Average annual cost on loans (APR) borrowed through Zopa.it: 9.45%
Registered members of Zopa.it: 23,242
Total loan volume since launch: €2,787,090
Number of loans: 535
Loan volume currently under evaluation process: €336,690
Average loan amount: €5,210
Average loan duration: 31 months
Amount rate late:€6,622.24 (percentage amount late: 1.88%) = [...]

Continue reading → Zopa.it - facts and figures

Eight months* after the launch of Zopa Italy the p2p lending service says it is the fastest growing in Europe (2.79 million Euro = approx 4.075 million US$ cumulative loan volume as of Sept. 3rd).
And Zopa Italy is the first social lending service with an active secondary market, called Rientro Rapido (fast-track withdrawal).
Rientro Rapido offers [...]

• Military Payment Paper Money US Coins Paper Money
• Furniture Style Humidors Cigar Tobacciana Collectibles
• Cabinet Style Humidors Cigar Tobacciana Collectibles

• Zopa Shuts Down US Branch Zopa, the UK based peer to peer lending company, is shutting down their US branch due as a result of toughening conditions that are currently being experienced by the US economy. Zopa provides loan services in the UK, as well as in Italy and Japan through a pure P2P style......

Continue reading → Zopa Italy update - growth and secondary market

Prosper Marketplace’s recent fee changes on P2P loans are further separating P2P lenders’ interests from those of Prosper. Prosper is loading up more fees at the front of the loan so they will be earning a far greater percentage of their income from loan origination. Lenders, on the other hand, earn all their [...]

• Safes Banks, Registers Vending Collectibles
• Banks Pepsi Soda Advertising Collectibles
• Characters Still, Piggy Banks Banks, Registers Vending Collectibles
• Banks Black Americana Cultures, Ethnicities Collectibles
• Banks Coca-Cola Soda Advertising Collectibles

• Resisting Panic: A Quick Guide to Surviving The Credit Crunch A few years ago if you referenced the term "credit crunch", most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions......
• Sub-Prime Mortgage Meltdown What opinions do you guys have on how the sub-prime mortgage meltdown will affect peer to peer lending?  I'll confess I'm still spooked at the moment and working to draw down my balance at Prosper.  From things I've been reading, it would appear that the worst is still yet to......

Continue reading → Prosper Fee Updates: Separating alignment from lenders

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little [...]

• Restore Your Fico Score – Part One While obsessing over a FICO score is not a good idea, this is a number that will have a lot of bearing in your life. This number determines whether or not you will be able to get a house, a new credit card, or in many cases, whether or not......
• Restore Your FICO Score – Part Two In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on......

Continue reading → Restore Your FICO Score – Part Two

While all of my posts are for your entertainment to some extent, this one in particular is intended as pure entertainment. I have to say such things, because otherwise people may think I’m serious.
If you didn’t read the above italics and somehow missed the word “stupid” in the title, let this be yet another [...]

• Water Womens Shoes
• Water Spaniel Dog Animals Collectibles
• Portuguese Water Dog Dog Animals Collectibles
• Water Purification Camping Hiking

Continue reading → Three Ridiculous and Stupid Ideas that Save You Money

I wont bother you with my thoughts on the bailout.But I do want to let you know, if you vote for it, I will be voting against you on November 4.Very Truly Yours,Your Constituent

[...]

Continue reading → Dear Congressman

I was in a boating accident today (not boats colliding as much as my own lack of coordination). I feel good, just 18 stitches to the eyebrow. I haven’t seen it, but some people say it was bad. I know there was a lot of blood, but I feel the same as [...]

• Egg Beaters Utensils Kitchenware Housewares Kitchenware Collectibles
• Egg Cups Kitchenware Housewares Kitchenware Collectibles
• Red Hot Chili Peppers R Rock, Pop Music Memorabilia Entertainment Memorabilia

• Sunday Money Madness - Go for Broke Welcome to the Go for Broke edition of Sunday Money Madness. The breakdown is once again by category for easy searching for weekend reading material. Tell us what you think! Save Money | Frugal Tips: Mighty Bargain Hunter answers a Reader question: Tips for newbie collectors. Looking to fill out......

Continue reading → Boating Accident (and some links)

Despite the well-publicized bank failures and bankruptcies in recent weeks, I continue to see a huge number of consumer banks being built. Tough economic times may drive the demand for such banks, but only those expected to be profitable would actually be built.
At one intersection in an expanding part of town, there are construction sites [...]

• Banks Gas Oil Advertising Collectibles

Continue reading → Building of Banks

Welcome to the Go for Broke edition of Sunday Money Madness. The breakdown is once again by category for easy searching for weekend reading material. Tell us what you think!
Save Money | Frugal Tips:

Mighty Bargain Hunter answers a Reader question: Tips for newbie collectors. Looking [...]

• Credit, Charge Cards Trading Cards Collectibles
• A Simple Plan A Rock, Pop Music Memorabilia Entertainment Memorabilia
• Egg Cups Kitchenware Housewares Kitchenware Collectibles
• Egg Beaters Utensils Kitchenware Housewares Kitchenware Collectibles

• Sunday Money Madness - Blog Action Day Edition Rich Credit Debt Loan is starting off the roundup by presenting the wonderful finance bloggers that have participated in Blog Action Day on October 15th, 2008. It's great to see so many out there contributing funds and writing towards the issue of poverty and increasing global awareness. Did you do......
• RCDL Roundup - Black Friday Madness Thanks for joining us here for RCDL Thanksgiving roundup. Did you eat turkey and pumpkin pie and get stuffed? I can hear the belt buckles straining! Below you'll find a bunch of wonderful posts by many authors from the past week on topics you care about separated by category. Be......

Continue reading → Sunday Money Madness - Go for Broke

Loanio has continued to claim be almost available since I started blogging on P2P lending. Loanio in fact has been promising its imminent release since before I started blogging P2P lending — back in November of 2008.
For about the past year (maybe more), Loanio has been requesting you to sign up for their [...]

• Green Day G Rock, Pop Music Memorabilia Entertainment Memorabilia
• Cards Contemporary 1960-Now Valentines Day Holiday, Seasonal Collectibles
• St. Patricks Day Holidays Postcards Collectibles
• Contemporary 1960-Now Valentines Day Holiday, Seasonal Collectibles
• Day of the Dead Mexican Latin American Cultures, Ethnicities Collectibles

• Loanio is Expecting Launch within Days I have been having an ongoing email conversation with Michael Solomon the CEO of Loanio for quite some time... In fact, he originally bought advertising on this blog over a year ago. While still hesitant to give an exact date, he told me in no uncertain terms that Loanio is......

Continue reading → O Loanio, Loanio, Wherefore art thou Loanio?

Welcome to this latest edition of Prosper’s Weekly Roundup. The title for this week’s roundup comes from a Forbes headline. There’s a lot going on in the news! Be sure to check out the Stocks and Banking Industry section for more information.

Peer-to-Peer Lending:
• TNL.net presents fast pace look into the History of Currency. P2P Lending is [...]

• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money
• Step Riser Sets Fitness Equipment Gym, Workout Yoga Exercise Fitness

• Hey, Brother, Can You Spare A Dime? There are many ways to secure loans these days, but due to the sub-prime mortgage crisis, banks and other financial institutions have been much tighter on their guidelines to lend.  It seems you need an almost perfect credit score these days to get a low interest rate.  Now that this......
• P2P Lending in Miami Hearld The P2P lending buzz is everywhere... Today it is in the Miami Herald: Anyone can be a banker with peer-to-peer lending When Walter Kond needed $25,000 to buy a shipment of home-theater seats for his Hialeah company to resell, he didn't go to the bank. He went online. Kond posted......

Continue reading → Weekly Roundup - Bottom-Feeders and the Banking Industry

The popular sentiment right now is that the $700B government bail out is about Wall Street, CEOs, and in general, rich people. While the bail out will most certainly help the aforementioned, it has much larger ramifications on the general economy. To start, a failure in the financial system of this [...]

• Credit, Charge Cards Trading Cards Collectibles

• Loans and the Credit Crunch The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to......
• Resisting Panic: A Quick Guide to Surviving The Credit Crunch A few years ago if you referenced the term "credit crunch", most people would be puzzled. Today barely a single day can pass without the phrase seeing consistent if not constant use in the newspapers and on television. The credit crunch is a crisis that is affecting numerous financial institutions......

Continue reading → How the Bail Out Affects Everyone

In my post, The Gift That Keeps on Taking, I described many of the negatives of gift cards. Recent calls for reform highlight another risk of using gift cards: they only hold value if they continue to be accepted.
The typical case where gift cards may no longer be accepted is when the company issuing the [...]

• Gift Sets Barbie Dolls Barbie Contemporary 1973-Now Dolls Dolls Bears

Continue reading → Another Downside of Gift Cards

Due to massive losses, uncertainty, and loss of confidence, credit markets have seized up and it is becoming more difficult for banks to borrow from each other. Congress is working on putting together a purported $700 billion bailout package to assist firms that are in danger of collapse because they cannot find sources of [...]

Continue reading → Will Democracy Prevail?

Whether you are just starting out as a family, or the kids are already in school, there is a lot to be learned about managing the finances of a family. There are so many troublespots that families face, and few places to go for advice. We were very excited to come across a book [...]

• The Family CFO By Mary Allvine and Christine Larson Whether you are just starting out as a family, or the kids are already in school, there is a lot to be learned about managing the finances of a family. There are so many troublespots that families face, and few places to go for advice. We were very excited......

Continue reading → The Family CFO By Mary Allvine and Christine Larson

It seems like everyday there’s new news with bailouts and banks. Today it was that JPMorgan Chase Bought WaMu for 1.9 Billion. Naturally consumers have a lot of questions and they should have them. I’m not an expert. In fact, I’ve been distanced from the news as I’ve been halfway around [...]

• Federal Reserve Notes Small Size Notes Paper Money US Coins Paper Money
• Bank of Canada Canada North, Central America Paper Money World Coins Paper Money
• Banking, Insurance Advertising Collectibles
• Federal Reserve Notes Large Size Notes Paper Money US Coins Paper Money

• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......
• Just How Safe is Your Money Right Now? Even after the government took the opportunity to step in and bail out one of our largest insurance companies, the stock market still managed to find a way to completely tank, because many investors were not persuaded that this intervention was going to protect their investments. This is when you......

Continue reading → $700 Billion Bailouts - Is My Money Safe?

Were you recently let go? Do you know someone who just lost their job? This past week my mother lost her job. I’m sure I’m not the only one who knows someone who has lost their job this year.
You can survive unemployment and put that pink slip behind you. Here’s how:
1.Tell Everyone and Their Mom [...]

• Credit, Charge Cards Trading Cards Collectibles

Continue reading → 7 Steps to Survive Unemployment and Land the Job You’ve Always Wanted

Having a young child, we take a ton of photographs at our house. A recent experience with a professional photographer reminded me not only how expensive they can be, but also how unnecessary they are in many cases.
Even though I consider photography a hobby of mine, I realize that I am still very much an [...]

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• Events Real Photo Postcards Collectibles
• Wrestling-Professional Fan Apparel Souvenirs Sports Collectibles
• Videos Wrestling-Professional Fan Apparel Souvenirs Sports Collectibles
• Publications Wrestling-Professional Fan Apparel Souvenirs Sports Collectibles

Continue reading → Paying for Portraits

Updated: Just after I wrote this, access to the Loanio website has been restricted again.
Finally! After more than a year of anticipation and announcements Loanio has entered the p2p lending stage. When I looked there were no loan listings yet, so let’s have a look on the concept in the meantime.
Borrowers
US residents with a VantageScore [...]

• Hey, Brother, Can You Spare A Dime? There are many ways to secure loans these days, but due to the sub-prime mortgage crisis, banks and other financial institutions have been much tighter on their guidelines to lend.  It seems you need an almost perfect credit score these days to get a low interest rate.  Now that this......
• Zopa Shuts Down US Branch Zopa, the UK based peer to peer lending company, is shutting down their US branch due as a result of toughening conditions that are currently being experienced by the US economy. Zopa provides loan services in the UK, as well as in Italy and Japan through a pure P2P style......

Continue reading → Loanio launch!