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I used to work with a lady who was a foster parent for the SPCA, and every Friday she brought in to the office three or four tiny kittens she was trying to socialize. All day long co-workers would swarm around her desk, oohing and aawing over the little hairballs. We called those days “Fresh Kitten Fridays.”

To celebrate the first Friday of 2010, we at SpendOnLife wanted to do our own “Fresh Kitten Friday” (with a personal finance slant, of course). So enjoy this “cute kitteh” edition of the Friday Grab Bag that shares some of the week’s more interesting tidbits from the world of credit.

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Australian lenders may issue as much as $100 billion in offshore debt this calendar year, as they seek to restructure their capital in advance of tough new regulations that are expected to be imposed on the global banking system.

Australian financial institutions are already preparing for new regulations expected to be recommended by both the Australian Prudential Regulation Authority (APRA) and the Basel Committee, which calls for lenders to hold less of their rival’s commercial debt securities.

The new regulations will demand that globally, banks be requires to hold more liquid assets on their balance sheet, and is in response to the fact that many lenders required emergency injections of capital during the global banking crisis.

The big four Australian banks are among just 11 AA-rated institutions in the world.

NAB became the first issuer of credit in the year 2010, having sold more than US$1.75 billion in debt earlier in the week. E

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As an internet user, you may have heard the term “cookies.” (No, I’m not talking about the kind with chocolate chips, so you can put that glass of milk away). What are internet cookies, exactly? What purpose do they serve? Do they invade your privacy or increase your chance of identity theft?

What cookies do

Cookies are used on websites primarily for convenience purposes. Without getting into technical specifics, cookies store information such as passwords and login data onto your computer so that every time you visit a webpage, the data is automatically retrieved.

Sure, cookies make things extremely convenient.

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This post is from GRS staff writer April Dykman.

My mom has a sixth sense when it comes to bargain hunting.

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If you have ever wondered about those advertisements for no credit check car loans easy credit auto finance or any credit auto loans you might want to consider an alternative before you click on the link.

It may not be easy

Why wouldn’t you want to apply for an easy credit auto finance loan without a credit check? The fact is, if your credit score is 475, if you’re currently in a bankruptcy or if your income is less than $1,000 a month, you probably won’t qualify for a bad credit car loan from any type of lender. Under

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