Steve Brown
Steve Brown's company is American CyberSpace
American CyberSpace owns and manages sites about 0% credit cards, small business credit cards, prepaid debit cards, Debt Help, the Prime Rate, the stock market, the WSJ, student loan debt, the fed funds target rate, LIBOR, and life insurance.
Articles by Steve Brown
November 04, 2009
0% introductory APR credit cards are great financial tools which money-savvy consumers can use to conveniently buy the goods and services they need while paying no interest for an extended period. During 2009, 0% credit cards all but disappeared: victims of the global credit crisis. The good news is 0% credit cards are back.
August 15, 2009
Many Americans are thankful that credit card reform has arrived in the form of the Credit Card Accountability Responsibility and Disclosure Act of 2009. Though the new law will improve credit-consumer protections on many levels, it's also going to cause many banks to raise rates, lower credit lines and scale back other benefits that prime borrowers have enjoyed for years.
July 21, 2009
Home foreclosures and the continuing problems in the American housing sector still dominate the economic news cycle. Though the current foreclosure crisis presents plenty of opportunity to buy properties at bargain basement prices, consumers still need to arm themselves with as much information about buying distressed and foreclosed homes as possible, because purchasing foreclosed properties is often far from easy.
July 18, 2009
Since the early days of the Internet, email marketing has struggled with the stigma of being associated with spam. These days, however, email marketing is in the mainstream of doing business online, and has helped countless businesses increase profits.
June 29, 2009
These days, both passive and active investors are looking for ways to make money in a precarious and volatile investing environment. Having access to market data, analysis, news and information is key to any investor strategy, and MarketWatch provides some of the best free and subscriber-based business and finance news available on the Internet.
June 24, 2009
Barron's magazine is America's foremost money and investing weekly. Investors who discover Barron's for the first time quickly learn what savvy and successful market players the world over have known for decades: that Barron's magazine is an essential tool and guide for the investor who settles for nothing less than the best.
June 08, 2009
The average rate on a 30-year fixed rate mortgage spiked above the 5% mark this week. The jump in mortgage rates was a result of a slump in demand for long-term Treasury securities, but will rates fall back below 5% or continue on an upward trend?
May 28, 2009
Want to know how healthy the global banking system is? Look to the TED spread.
April 24, 2009
The Wall Street Journal is the finest daily in the world. Access to the Journal's world-class content isn't free, but, then again, the nominal cost of a subscription makes it an excellent value for readers from all walks.
April 23, 2009
Considering that banks can borrow at close to zero percent, consumer and business loan products aren't very consumer-friendly. Thankfully, certain smaller banks are still offering great credit deals, like Iberiabank's Visa Classic and Gold cards.
March 30, 2009
This recession has the potential of lasting two years or more, so even wealthy families are cutting back and preparing themselves for the worst. The key to surviving this or any recession is to build and preserve wealth, but also to maintain physical and mental fitness.
March 27, 2009
The Fed is spending lots of cash to buy long-term treasury securities from the Treasury Department. This will keep mortgage rates very low for some time. New homebuyers and refinancers should take advantage of the lower rates, and should also educate themselves about the best way to avoid mortgage-related mistakes.
March 10, 2009
The economic downturn has many car owners looking for ways to lower their car payments. Despite serious problems in America's financial markets, car loan refinancing is still available, and it can help consumers lower their monthly auto loan payment to a more manageable level.
March 08, 2009
America is in the depths of the worse economic downturn since the Great Depression. Using common sense and best practices can get you and your family through this painful recession.
February 25, 2009
The London Interbank Offered Rates (LIBOR) essentially represent the wholesale cost of money in the London interbank money market. Even though the LIBOR rates are fixed in the United Kingdom, American consumers need to understand how LIBOR works, since LIBOR is used as a benchmark in pricing of many types of consumer loans in the USA.
February 18, 2009
The media have been relentless in their discussion of the current state of the economy. Don't panic: there are still safe investment vehicles available where you can grow your money.
November 03, 2008
I am a rare and endangered species in America - I am Black, and I am not voting for Obama.
March 22, 2008
Zero percent intro APR balance transfer credit cards which don't charge a balance transfer fee are still the most popular credit products at the BusinessCreditCards.cc and BalanceTransfer.cc websites. Despite the ongoing liquidity crunch in the American financial system, these highly sought-after credit cards are still obtainable.
January 27, 2008
As a business owner or entrepreneur just starting out, getting financing may be difficult, especially when credit market conditions are tight, as they are right now. You may think that your only option is to apply for a secured business credit card account. Don't. As long as your personal and busine...
December 18, 2007
One hurdle that most new home business owners face is that of acquiring financing. Using personal or business credit to fund startups is a growing trend that is quickly becoming common practice. There are certain advantages to using credit as an initial, and even a continual means of funding for a n...
November 14, 2007
In today's economic climate, many consumers are questioning the wisdom of conventional savings and investment strategies. The fallout from the subprime lending crisis and subsequent liquidity crunch have hit financial and non-financial stocks hard, with the major stock indexes experiencing steep dec...
October 30, 2007
Those who have not done a great deal of study in the area of economics might wonder why just a hint of a possible adjustment to the U.S. fed funds target rate can be the source of front page news all over the globe. The target fed funds rate, which is America’s benchmark interest rate and is contro...
October 12, 2007
For those of us born into a family of modest means, the decision to buy a home isn’t an easy one. First, there’s the burden of taking on long-term debt in the form of a mortgage. Then there’s the stress of accumulating enough cash to make a down payment. Then there’s moving expenses, furnishing t...
October 11, 2007
What Exactly Are The LIBOR Rates?
LIBOR stands for London Interbank Offered Rates. The LIBOR Rates are benchmark interest rates set by an organization in the United Kingdom called the British Bankers’ Association (BBA). The LIBOR rates are used chiefly as a set of benchmarks for unsecured, shor...
August 28, 2007
The Definition of A Viatical Settlement
A Viatical Settlement is a financial transaction whereby the owner of life insurance policy sells that policy to an investor in exchange for a lump-sum payment. The viatical settlement investor can be either an individual investor or a corporate investor e.g....
August 20, 2007
Historically low interest rates and loose lending standards created a housing bubble in the U.S. that burst back in 2005. America is now in the depths of a housing slump, and no one knows for sure when a recovery for the housing sector will happen. Many subprime mortgage companies have either sto...
August 05, 2007
If you ask a seasoned economist how the U.S. economy is doing, he or she will probably tell you that overall, things are not bad right now. Unemployment is low, inflation is moderate and the economy is growing at a respectable pace. For many middle-class Americans, however, life is far from easy, ...
June 28, 2007
Ever since zero percent introductory annual percentage rate (intro APR) credit cards were introduced to the American market several years ago, they've been very popular. All types of consumers have been taking advantage of 0% offers. Most consumers use 0% deals to save money by avoiding interest cha...
June 15, 2007
The Definition of an Interest-Only Loan
What are interest-only loans, also known as interest-only mortgages? When we hear the term "interest-only loan" we intuitively come to the conclusion that this could actually mean a loan where the borrower is only responsible for paying the interest on a lo...
June 06, 2007
According to a recent Experian-Gallop poll, 31 percent of Americans are having trouble making ends meet, and 49 percent of American consumers don’t pay their credit card balance in full at the end of the month. Many hard-working, middle-class Americans are struggling with their finances, and credit...
June 06, 2007
There are a few key things that you should never mess up in life. If you’re an immigrant, then you should never mess up you immigration status. When you’re young and few things are more important than your freedom, then you don’t want to do anything that can result in your driver license getting s...
June 06, 2007
Shopping online using credit cards has become so mainstream that it’s hard to remember a time when Internet shopping didn’t exist. Shopping online makes perfect sense: it’s efficient and convenient, and it makes comparison shopping much easier. Though most online retailers utilize sophisticated s...
June 04, 2007
If you are shopping for a new credit card, an education loan, a car loan, a business loan, a personal loan or a specific type of second mortgage called a home equity line of credit (HELOC) then you need to understand how the U.S. Prime Rate works.
On Wall Street and throughout the worldwide banki...
June 04, 2007
All across the United States, consumers who are smart with their finances are taking advantage of zero percent credit card offers, and for good reason. By signing up for a 0% intro APR credit card deal, consumers with credit card debt and a good credit score can literally pay no interest on their l...