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Latest Mortgage Loan News

HSBC 2012 Lending Figures
mortgage loan
Image by HSBC UK Press Office
HSBC provided £46.8bn in new loans to UK businesses and mortgage borrowers in 2012.

Antonio Simoes, head of HSBC in the UK, commented:
“Last year we continued to increase lending to both our business and individual customers, and our mortgage market share has continued to grow. We are committed to helping the UK economy recover by continuing to support our customers through the coming years.”

Latest Credit Report News

Check Credit Report
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Image by cafecredit
Photo by CafeCredit under CC 2.0

You can use this photo for FREE under Creative Commons license. Make sure to give proper author attribution to www.cafecredit.com.

Thank you for respecting Creative Commons license.

P.S. Need more photos like this? Check out my flickr profile page.

You’re able to check your credit report up to three times per year through each credit bureau. You can do this through various credit reporting agencies. When you get your credit report, you’ll be able to see where your credit stands and where you may need to improve your credit rating.

Latest Discover Card News

May 27th 2008 – What’s In The Cards
discover card
Image by Stephen Poff
Highest number in explore #5!

Today was my first day back to work after being on vacation last week. I feel refreshed. I feel like I purged a few demons. Good thing is.. I still have about almost 3 weeks vacation left, one of which will be spent on a cruise! 😉

This didn’t come out quite the way I thought, but here it is nonetheless. It’s for our podcast mini challenge of "The Number 365"

Back when I started my project, I didn’t really understand what I had before me. It was really just a simple little thing that was going to take me a year to do and that might also track my hair loss over that year… I’m only half joking. But I soon began to realize what it was doing for me.

The 365 Days project forced me to take a second look at the way I viewed myself and the world around me. I discovered things that I both liked and disliked about myself and because of that I think I made some solid choices to improve my life.

The side benefit was that I was becoming more creative and developing my skills as a photographer. The work I was doing was getting noticed more and it led to a lot of freelance work and consequently I think, the job I have today.

After getting hired for the job and moving to Montgomery, there was another side benefit, the 365 Group. In August, Mav discovered my stream and things haven’t been the same since. I’ve met a lot of good friends and feel like I’ve been able to pass on some some of the things that I’ve learned… which is extremely satisfying.

Will I continue after this year is up? I don’t know. I quit after my first year believing that I had completed my new years resolution and that there wasn’t any real point to doing it again. But here I am 2 years later with you again. This year has been more about the photography and reconnecting with you guys that it has been about self-discovery, but I’m finding out that I’m learning even more about myself than back in ’06… so we’ll see.

More importantly, I’m just glad that I have you guys around this time. January to August 2006 was a lonely time for 365.

Latest Personal Bankruptcy News

GUARDING CHERNOBYL WITH DISTINCTION.
personal bankruptcy
Image by DeeAshley
Even on … Those Days.
There will inevitably be one of, well..,
Those.Days.

[CAUSE AND EFFECT:]
Those days when you wonder if this is what those T.V. psychiatrists always seem to refer to as "disassociation,’ or perhaps even more accurately, an "acute psychotic breakdown."
Those days that we never expect, yet, incredibly, (unfortunately), virtually all human beings will have one or more of Those days.
Those days when you walk into your office expecting that double chocolate birthday cake.
Yet, much to your utter shock and jaw-dropping, heart-stopping horror, you’re met with dumbfounded stares – blankly and unblinking just like that cute little blond co-worker staring past you (or perhaps, through you?) . . .
She almost appears to be making sounds with her mouth, her big blue eyes appearing to have been holding back oceans now breaking free, although she doesn’t seem to care- or notice – as her corneas are now drowning in a sea of water that might very well be the infinite source of saline – she’s saying something… something… – lay-offs, FBI Interviews, lie detector tests, bankruptcy, and such. You slowly do an uneven 360 degree rotation, feeling the cold clammy pre-vomit symptoms quickly knotting your gut and working diligently and quite efficiently upward toward the diaphragm, and you swallow as hard as you can in hopes of choking back any projectiles – which would sadly consist of this morning’s Sara Lee Fat Free muffin and that and rather healthy dose of quaker’s oatmeal. The accountant comes running toward you as you instinctively take a step backwards, she stops short, wailing something about the end, "This is THE END!!" After her choking sobs were more manageable you were able to make out a little bit…
Something about the CFO embezzling all of the company assets, the investors, the pensions, the retirement, even the petty cash and the quarters unfortunate enough to be left unsupervised in the vending machine, "EVERYTHING!" Her shrieks trail off into whimpers for a moment, but like a tide gathering strength, the choking, hyperventilating, nose running unceremoniously down her pudgy red face, gathers strength once again…
After 15 minutes of careful lipreading, hugging, and firm shoulder shaking, you learn of His last possible sighting: Somewhere near Krakow, Poland; playing Texas Hold Em’ with a group of 8 foot embittered pro-Stalin, ex-soviet military men waiting with baited breath for anyone to provide them the opportunity to work out their personal anger issues with their current political views as well as their new tenured posts guarding the perimeter encompassing a well-known and lovely region most commonly called Chernobyl.
Those Days.
Still in shock staring blankly at the empty road ahead, you receive a phone call. Your son didn’t know that that giant chocolate bunny was bad for the kitty.
Your kitty.
"Mommy? How long do I have to leave this icky red stuff in my hair to make it look like yours? It’s starting to burn…!"
You were just about to ask your little loved one to repeat that last part, when you notice a disturbingly familiar and distinctive sound couple by bright lights that are flashing red and blue.
"What seems to be the problem Officer?"
"80 miles per hour?" "Really?" "In a 40?" (Gasp!) "A School Zone!"
"I’m sorry? What..? Phone?"
"Oh! [insert sheepish giggle] you mean this cell phone?"
"Inspection?" "That’s impossible! It couldn’t have been over a year-" stop. Damn stickers!
"They used to be transparent!"
45 minutes later, clutching 5 crispy new citations so tightly, you notice with no satisfaction that your bitten-to-the-nub nails have been digging some impressive holes through that wretched, foul-smelling carbon paper. The fifth ticket was for insubordination after you tell Officer Pursey what else seems to be a bit puckered as well. Despite his interjections, you were able to also remind him of what a sad excuse for a job he must have, picking on hard-working middle class citizens while there are grown men and women selling crack to kids on the street corners and how could he live with himself???
As you can see, one can never predict one of those days . . .
One must act quickly and decisively and take drastic measures in order to have the slightest chance of maintaining even the most precarious, desperate grip on that sad, thin, weathered thread of sanity remarkably similar to that which you are clawing and grasping for – any shred of mental cohesion to cling to.
[THE RULES:]
First of all, when in a rural environment such as this one, you must scream as loud as you can and bang on your steering wheel until your palms are throbbing. Sometimes it is even necessary to allow the head to slowly find its way onto the steering wheel, resulting in a shrieking noise that may cause the local canines to react in a rather agitated manner, but that’s fine. Just let the horn go, the noise will eventually drown itself out. Next, the helpless exhaustion should naturally give way to a dawning sense of indignation. This will happen rather quickly so prepare yourself to brush away any tears, mascara trails, and beware of any unintended shards of plastics or glass that may have been damaged during the end-of-the-world tantrum.
Thankfully, this horrific despair and painful psychic asphyxiation will rapidly give way to your new friend:
Fury. Rage.
A Seething cauldron of fuck-this-fuck-you-fuck-it-all-don’t-even-think-of-cutting-me-off-because-i-will-bludgeon-you-with-these-q-tips kind of all-consuming anger that flows hot and fast through your entire body. That 230 pound trucker that had intended on cutting you off takes one look into that cold empty stare and instinctively knows that this is one of those times when concessions are in order.
And Here, ladies and gentlemen, a photo is born. Who knew what that Toyota 4-cylinder hybrid sedan was really capable of until now? Although you may still be mostly(?) lucid, you’ve lost just enough of that annoying trait commonly referred to by the layperson as, "good judgement."
Before you know it, those Angus Cows are merely blurs in your peripheral, adrenaline-filled darting glances, you note an odd sensation that is reminiscent to barreling down those hilltops on your mother’s best cookie sheet after the first snow as a child. Ah, yes, that is the hydroplaning. No matter, friction is overrated.
What better way to salvage what’s left of this wretched, god-forsaken, nail-in-the-head, day than this?
You should have thought of this before!
What the hell, may as well take a picture. It could turn out kinda cool.

Supplemental:
*No cows, children, CFO’s, accountants, vending machines, felines, Toyotas, or law enforcement officials were actually harmed in the making of this photo. This sad day and its unfortunate series of events are entirely fictional, although there can be no guarantees as to the psychological wellness of the prefrontal cortex responsible for the creation of said events.*