Word: crediteers
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...What Internet payment options are there today? PayPal is the most famous, but it has transaction costs too high for impulse buys of less than a dollar. The denizens of Facebook are embracing systems like Spare Change, which allows them to charge their PayPal accounts or credit cards to get digital currency they can spend in small amounts. Similar services include Bee-Tokens and Tipjoy. Twitter users have Twitpay, which is a micropayment service for the micromessaging set. Gamers have their own digital currencies that can be used for impulse buys during online role-playing games. And real-world commuters...
...rapidly falling prices of homes and lower interest rates on mortgages got the credit for the positive move. (See pictures of modernist houses for rent...
...housing recovery is still based on two factors. One is employment and the other is easier credit...
...notion that low interest rates mean easier credit is based on a fool's analysis that banks will make risky loans just because their cost of money has dropped; There is almost certainly no truth in that. Many banks still want to keep as much capital as they can in the event of future losses. The same bankers may have been slow-minded enough to dump money into derivatives, but they are shrewd enough to stay out of lending into a real estate market which may well still be dropping...
...Senate is now trying to work into law a provision that would give people a $15,000 tax credit for buying a new home. This would substantially expand the cost of the bailout, if people are willing to take advantage of it. The average American who still bothers to read a newspaper is acutely aware that most signs point to a housing market which is still spiraling down, no matter what pending home sales numbers say. All of the "For Sale" signs in most neighborhoods and auctions of foreclosed properties are a sure indication that housing supply is still extremely...