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A tough time in the equity markets, and less-than-stellar MA stats can only mean one thing. Bonuses will be down 20-30% at most investment banks when they are paid out later this month.

For all of our friends in management at the various investment banks around the Street, here is a cheat sheet of excuses reasons to use for your upcoming bonus communications with your team members . Feel free to use them if you get stuck for your own:

1. We took a serious loss on the trading desk cause the fixed income rate desk was on wrong side of the yield curve.

2. OG revenue was down 50% this year.

3. The bank increased credit provisions in loan book given whats going on in Europe.

4. Our CEO recommended a full payout this year, but the Board of the Bank knocked it back.

5. We paid a Lumber Contract lasy summer when we hired the new real estate team in the New York office, and that hit the bonus pool.

6.

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| Tags: Bonus Time, Time
Posted November 29, 2011 by Imogen Lay under Credit Report Tips

First think you will want to do is to start monitoring your credit with our credit monitoring services, you will want to watch for fraudulent activity for at least 90 days.  Our credit monitoring will monitor all 3 of your credit reports for you, and it will send you an alert via, text, email, mail, or phone call if we detect any changes on your reports.

Next call your credit and debit card issuers and report that your card was stolen or lost. If you happen to be reading this post before a lost or stolen wallet take the time to right down your account numbers and customer service numbers and put them in a safe place for easy access! Lost and stolen cards are quite common, and your credit card and debit card company will have a team to assist you in closing down your cards, and reissuing new cards.

If you are sure that your wallet was stolen and not lost call the police department.  While the police will not be able to help you track down your stolen wallet it is important to have on record a police report in case the thief tries to steal your identity.  This will give you a legal record showing that you knew your wallet was stolen, and that you took the steps you needed to take to report the loss.

Try to think if there was anything else in the wallet that had your personal information on it. Th

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| Posted November 28, 2011 by Amelie Hampton under Bankruptcy Articles

Mortgage arrears levels continue to show improvement as people are paying down their debts and limiting their spending.

According to the latest arrears report from Standard & Poor’s, home loans underlying Australian prime residential mortgage-backed securities (RMBS) that are greater than 30 days in arrears fell to 1.69 per cent in June 2011 from 1.81 per cent in March.

The decline in the levels of home loan arrears indicate signs of recovery.

Ms Chaplin said she expects arrears to fall even further over the coming quarter as the Reserve Bank’s 25 basis point rate cut begins to filter its way through to home owners.

“This was evident when the RBA cut the cash rate from 7.25 per cent to 3 per cent over seven months from September 2008 to April 2009.

| Tags: Arrears, Mortgage Arrears
Posted November 25, 2011 by Amelie Hampton under Bankruptcy Articles

One option is debt negotiation, also called debt settlement or credit settlement, and this is a process where the debtor and creditor discuss what a debtor owes and come to an agreement that reduces  the debt and covers the payment in full.

The consumer makes monthly payments and the goal is that the creditor  agrees to allow a lesser payment instead of going through the process of foreclosure or repossession.

Although some individuals negotiate with creditors themselves, some find that creditors do not take them seriously. If you or a loved one are looking for representation to help you settle your debt, contact the New Orleans debt negotiation lawyers of the Law Office of David D. Kervin, Jr, by calling 504-599-5906.

| Tags: Debt, Debt Negotiation
Posted November 24, 2011 by Brayden Laura under Credit Report

Every customer has the power to get a free credit report once each year as per the federal laws. However seeing as that federal law has approved there has been nothing except puzzlement. The various websites that use to say that they are recommending this so called free credit report are actually asking us to furnish them our entire credit card information. Does this sound like a free credit report to you? In this context some of you might have even bestow your credit card number to these fraud companies to sign up for a thirty day free trial credit report that has approximately zero to do with getting your free credit report. Here is where you fall in credit report scam.

In all justice, you can stop this service after a period of a month. But how many people do you believe overlook and finish up with either monthly or annual credit card charges? Read more…

| Tags: Credit Report Scam
Posted November 24, 2011 by admin under Credit Report Tips

The battle between policyholders and their insurance companies has been going on for many, many years. The 1972 case of Hanover Insurance Company v. Hallford is a finding of bad faith arising from a windstorm claim. In the underlying lawsuit, Mr. Hallford filed an insurance claim with his carrier, Hanover Insurance Company, for windstorm damage to his home. When the claim could not be resolved, Mr. Halford filed a lawsuit for the benefits for the damage to his home and personal property, additional living expense and he alleged bad faith. Although Mr. Hallford indicated that he was seeking damages in the total amount of $15,000, no other specified amounts were itemized in the complaint. Hanover defended the allegations, stating that Mr. Hallford had not given notice of the loss, had not filed a windstorm claim with Hanover before filing suit, and that Mr.

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| Tags: Bad Faith, Faith
Posted November 21, 2011 by Imogen Lay under Credit Report Tips

“What the heck?”

That’s what I said to Tyler, a good friend of mine, who called me the other day after being turned down for a loan.

He explained that his score is in the low 600s.

“Why haven’t you taken the 14-Day Credit Challenge?” I asked him.

Tyler and I have known each other for almost 20 years. He knows all about my program, and I couldn’t believe he hadn’t taken advantage of it.

Tyler and I have one of those ultra-frank relationships, but I was kind of surprised to hear his reasoning …

“I just don’t have time,” he said.

This time I only thought it … What. The. Heck?

One of my favorite things about the 14-Day Credit Challenge is that it takes only about 10 or 20 minutes a week. You don’t have to read an entire book or study the credit laws.

All you have to do is spend 5 to 10 minutes a week watching a video tutorial, and then complete about 5 to 10 minutes of homework.

That’s it.

Seems simple to me.

But then Tyler called me out.

“Phil, I have a business that I’m trying to get off the ground. And I have a family to support …

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| Posted November 18, 2011 by Brayden Laura under Credit Report

A recently conducted survey from The Pew Research Center has indicated that while most families are struggling financially in the current economic climate, young families are bearing the most hardship.

The study revealed that where a senior citizen was the head of the household, the familys overall wealth is on average 42 percent greater than the same type of family in 1984.

However, when the head of the house is under the age of 35, the news is not so good. Young families are seeing a 63 percent decrease in wealth compared to their 1984 counterparts. In short – older families are getting richer while younger families grow poorer.

The Pew study looked at all aspects of wealth in general, where wealth is based on assets minus outstanding debts. In terms of dollar amounts, the average senior citizen led family has a net wealth of $170,494 compared with the $120,457 in 1984.

Young families, however, are headed in a much different direction. I

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| Tags: While, While Younger
Posted November 16, 2011 by Imogen Lay under Credit Report Tips

The back end products you can ignore when financing with terrible credit auto loans

Our take on things

Although many customers are getting smarter, there are still some that become confused when they sit down with the finance manager to discuss their approved auto loans.

We know because weve been involved with bad credit auto sales for two decades here at Auto Credit Express.

We even created a web site that helps explain the poor credit car loans process so applicants can pass up tote the note dealers while learning the facts about issues such as repossession as well as todays topic, dealer back end products.

Back end products

Even though you may have bad credit, dealers can still sell you a number of products and services on the back end (the car is the front end) of a car sale.

Some might be worth the cost, while others are a waste.

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| Tags: Auto Loans, Credit Auto, Credit Auto Loans, Loans
Posted November 13, 2011 by Amelie Hampton under Bankruptcy Articles