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12 Steps to Financial Fitness

With all of the recent doom and gloom in the financial markets, it’s easy to get discouraged about your own financial situation. But here’s some good news for a change. While personal finance may seem complicated, it really boils down to 4 good habits that can make the difference between going broke or building up your net worth each month [more...]

Date: 2008-09-16 20:03:46

Blog posts (601) | Videos (428)

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus ... a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He [more...]

Date: 2009-01-15 00:11:26

Nabokov Steals Another, Sharks Take Division by Throat

There was a wall around Evgeni Nabokov Thursday night, and he earned his first shut-out of the year. And I mean earned it ... to defer credit. "The shutout was just icing on the cake. Everyone chipped in." His counterpart did ... when they do not dominate. Things were chippy early in this contest, with Brett Festerling checking [more...]

Date: 2008-12-12 22:26:43

Eagles stun Giants to advance to 2008 NFC Championship Game.

Donovan McNabb will get another chance to chase that elusive Super Bowl title. Eli Manning threw away his opportunity to defend it ... to get something done, get a spark to make a big play, that’s when we didn’t do our best,” Manning said. Credit ... in the air, and also helped skew the score: This was the first game in NFL history to finish 23-11 [more...]

Date: 2009-01-12 02:56:22

Swiss National Bank Cut Rates 100 BPS!

Trading Theme returns…  Automakers’ bailout vote today…  Not using all your arrows…  Housing Starts go back to 1959! And Now… Today’s Pfennig! ... into the problems (credit markets and the Fed and Treasury’s response to the crisis), and does a great ... ) we have warned about the consequences of unbridled credit expansion. We argued that artificially low [more...]

Date: 2008-11-20 17:17:19

IRAN: Women fight back, and score rare victory

Iranian women’s rights activists are celebrating a rare but significant victory today after parliament’s decision to shelve a piece of legislation that would turn back the clock on marriage rights. In July, conservative lawmakers proposed several changes to the country’s family law that would allow husbands to get “temporary” [more...]

Date: 2008-09-02 17:07:43

Where Eagles Dare

9 September 2008 Helmand Province, Afghanistan When I was briefed on the top-secret mission before it was launched, I thought : “Good grief.  I might have to report on the failure of one of the largest and most important missions ... of a handful of special operators—often on horseback—to a sort of lethal day-to-day business.   Morale [more...]

Date: 2008-09-07 08:00:05

More of 2008 Nominees - Some of These Will Go To Round 2.

        Meet Neighbors Before Buying a Home: By Elizabeth Weinraub of About.com Flat Screen TV - Is it “attached”? By Ardell DellaLoggia How to Raise Your Credit Score in 45 Days! By Michael Polera, B&W Financial ... Porter “We Do Not Pull Credit” Is Not A Selling Point, It’s A Sales Tactic by Dan Green Home [more...]

Date: 2009-01-10 09:40:12

One Way to Protect Against Identity Theft

When information gets stolen, it is used in various ways. Sometimes the thief may use it to drain your bank account, for example ... will not extend credit without first pulling a consumer’s credit profile. If you place a “security freeze” on your credit profile, the reporting agencies are prohibited from releasing your credit [more...]

Date: 2008-09-22 21:10:55

We Can’t Give Away Homes At $100,000

The Denver Post reports from Colorado. “Real-estate agents note that resort communities have certain advantages over the Front Range and much of the nation: Foreclosures have not been a big problem, they remain attractive to retiring baby boomers, and the rich just keep on buying, which helps prop up overall sales [more...]

Date: 2008-07-23 17:38:26

Questions About Collections? Ask Melissa

Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way.  Consumer debt is not transferable ... the payment.  The agency will report to the credit bureaus that the account is paid, if applicable [more...]

Date: 2009-01-14 13:00:17

Major League

By Kate Sheppard The League of Conservation Voters announced their endorsement of Democratic presidential candidate Barack Obama on Monday, ... nominee in history. Number two, you compare their lifetime scores. LCV's report card is one of the most important barometers of how good somebody is on the environment. McCain's lifetime score, going [more...]

Date: 2008-07-24 19:51:26

On a different national obsession...

FOR college-educated Americans of a certain age, the SAT exam, a standardised test most undergraduate admissions committees use to assess applicants, ... your score on the SAT became a petty nation-wide obsession among the ambitious university-bound— ... of a report that a committee led by William Fitzsimmons, Harvard’s admissions chief, drafted [more...]

Date: 2008-09-22 21:41:37

Does Closing a Bank Account Hurt Your Credit Score

No. Your credit score is a number calculated from the information in your credit report. Your credit report will contain information about your loans, other credit obligations, and negative actions in public record (bankruptcy, collections, court judgments). It actually contains absolutely no banking information so closing, or opening in most cases, a bank account does not hurt or help your score. In some cases, your credit score might be hurt if you open a bank account. [more...]

Date: 2009-09-30 16:42:00

Sellers Aren’t Getting What They Want

Leesburg Today reports from Virginia. “Long lines. Price wars. The decision became easy. She and her fiance finally bought the one townhouse they won on price. Fueled by a lot of emotion, the couple wanted what many others continue to seek today, a place to call home after their wedding. It didn’t turn out to be the fairytale they imagined [more...]

Date: 2008-09-19 13:59:47

How To Get Your Free Government Credit Report

How To Get Your Free Government Credit Report by Andy ZainBy law, you are entitled to one free government credit report each year, but you have to apply to get it. The consumer reporting companies are covered by the Fair Credit Reporting Act to ensure privacy and accuracy.Contained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-30 08:17:23

soon, but not now.

Although I have no plan of getting another credit card after all the things that I’ve been through, I am still hoping that one day, ... for most. In my case anyways, I am still making my way to improve credit score since, I have lost most ... my payables completely, still, everything has this effects or has affects my credit score. Sad [more...]

Date: 2009-01-15 17:28:10

On Credit Cards and Free Credit Reports.

Finally I was able to pay online my credit card dues yesterday. It’s not that I’m short on funds (since my bill is just a few hundred bucks) ... credit reports. If there are corrections, they should notify the agency to remove credit report ... so I was just lax about it. That’s how I am usually when our budget’s not that tight. My hubby insist [more...]

Date: 2009-01-15 06:40:58

Beware of Identity Theft Opportunities on the Internet

Beware of Identity Theft Opportunities on the Internet Vigilance to who you give your credit card numbers and personal information should be taken ... a Comment Credit Score Consumer Credit Report The Tail of 2 Trillion in Spending When Diners Club first ... like the lock and key, but with added security. Read more » Credit Cards What Options Do [more...]

Date: 2008-06-08 11:41:02

Protecting Yourself from Identity Theft

Are you being paranoid? Some people consider being paranoid is normal if they deal with anything that involves the share of ... to obtain credit. All causing reputation damage, and most cause financial problems for the victims ... your identity is linked to your credit report - when identity thieves apply for a credit (and of course [more...]

Date: 2008-10-30 03:47:28

Credit Scores for the Ages

It’s funny how sometimes a post will take on a life of it’s own within the comments…such is the case with my recent interview of Jillayne Schlicke ... with the new year approaching…the comments have turned into a discussion of credit scores.  Most likely ... to go up as banks and conforming paper sold to Fannie and Freddie will raise minimum credit score [more...]

Date: 2008-11-08 18:15:24

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

FREE GiveAway - "The Quiet Millionaire" - We are doing a giveaway of Brett Wilder's fantastic book "The Quiet Millionaire." To have a go at winning it you've to leave a comment with 2 random digits. Yes, it's that simple, so check it out. $50 Off - Northwest Airlines Discount Coupon CarnivalsI'll Never Forget the Day I Read a Book hosted Book [more...]

Date: 2008-10-03 04:28:03

Thoughts on design + futures

For the last few months, I've been thinking about the relationship between design and futures, and how they could draw on each other. (Of course, I'm hardly alone in this.) During the vacation, I spent some time working on an essay that lays out what I think the biggest opportunities are for collaboration between the two communities, [more...]

Date: 2009-01-04 08:53:52

Golden Globes - Live Post

FINAL PREDICTION TALLIES k - 9/14 DP - 9/14 Live commentary between DP and K during this year's Golden Globes... DP: I just got done emailing k about the SUPREME diss Brad Pitt gave Ryan Seacrest. Having spotted Brangelina, Ryan came down from that dumb podium type thing E! has set up, literally running after them, and Brad and Angie.. [more...]

Date: 2009-01-12 01:20:20

Considering Credit Counseling?

by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... questions. You’re going to want to find out how the process may affect your credit report, debt ... you will find an abundance of agencies with magical sounding claims about fixing your credit [more...]

Date: 2009-01-11 17:38:53

Yes, I dumped a post.

Yes, I dumped a post. 01-10-09 12:40 P GMT-08 I dumped a post in which I almost lauded Condi Rice for not making a statement about how the only ... states have been bitching about meeting guidelines on fair voting act rules and want them overturned ... to whites. To it's credit New Haven, Connecticut tried to stop using their racist test, but the [more...]

Date: 2009-01-14 12:59:49

Hamilton’s Counterfeit Capitalism

Daily Article by George F. Smith | As we await Bush’s replacement to straighten our wayward lives, it’s crucial to understand how we got here and why policy makers are so determined to do the wrong thing. Austrian economics explains why their policies are flawed, but no one with a voice seems to care [more...]

Date: 2009-01-15 21:36:00

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

First Time Home Buyers: Is Time Running Out?

> The stimulus tax credit of $8,000 for first time home buyers expires on November 30, 2009.  That means your new house has to be signed, sealed, and delivered by the last day of November if you expect to qualify for the federal tax credit.  Is it possible to buy a house, have it inspected, appraised, the financing in place and all closing documents final?  Maybe, maybe not. [more...]

Date: 2009-09-30 16:30:51

How Victoria Smith’s Info Wound Up On Vickie Smith’s Credit Report…

I was recently asked by a Loan Officer, “Why do some credit reports contain information from accounts that belong to a completely different ... their own credit report?” For some of you, this might be common knowledge, however, there seems ... that there is a distinct difference in the way the information is compiled for a credit report ordered [more...]

Date: 2008-07-23 21:52:00

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

Consumerists Ten Commandments On Credit

In the past, I have reviewed other financial web site’s rules about credit, and I have even offered some of my own ... offered by most cards 3) Thou Shalt Check Your Credit Report. Kind of like flossing your teeth ... my credit report many times before, but checking all three major agencies for my wife and I, once [more...]

Date: 2009-01-02 23:52:33

Предсказания Кюнстлера на 2009 - США, Нефть, Геополитика, Путин

Спонсор месяца - #1 RX pharmacy affiliate program!Сайт дня (как попасть) - http://www.business-magazine.ru/There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) [more...]

Date: 2009-01-01 07:59:00

How to Resolve Credit Bureau Reporting Errors

Photo courtesy of neoliminal A couple months ago my wife and I started a passive search for a new home ... idea to check your credit report to make sure things are being reported correctly.  Inaccuracies ... on a new home. Skeletons In Your Credit Closet? Often times consumers have legitimate, negative [more...]

Date: 2008-10-23 11:00:30

Credit Report can save your Finances

Are you in a desperate move to guard your account or your credit cards? Or still striving for reports to get approved from lenders? ... check about 3 major credit bureaus before approving your extension of credit or loans. That’s why ... on these bureaus and might damaged your credit standing forever! So, if you’re planning to buy a new house [more...]

Date: 2008-10-23 03:59:41

“If you had a Macy’s card and a gas card, you could buy an $800,000 home.”

From MSNBC: Brace for other shoe to drop in mortgage mess, some warn With most of the country still reeling from the subprime mortgage meltdown, ... applied to loans given to people with shaky credit. Alt-A is the next-higher category, typically covering mortgages to borrowers who had better credit but didn’t want to document their incomes or wanted [more...]

Date: 2008-06-18 10:17:06

TechCrunch50 Session 1: Youth and Culture

Jason Calacanis and Michael Arrington opened TechCrunch50 today saying they wanted to create the “Sundance Film Festival” for the internet industry ... account. The savings are from her parents, desposited to teach her about credit and savings. She “wants” ... he manages his money is ranked against the way other users on the system of a similar age. He [more...]

Date: 2008-09-08 19:36:21

2008: A Year in Review

With the year winding down, it’s always fun to look back and see all the things you have done during the year ... Paychecks and What is Credit Card Arbitrage? July I Quit! and made plans to Make Early Roth IRA ... about the $7,500 First Time Home Buyer Tax Credit. To celebrate my last day of work, I detailed 29 Steps I Took [more...]

Date: 2008-12-30 14:29:43

Post-Holidays Ideal Time to Check for ID Theft

We know, we know: that stack of bills on your kitchen table can’t possibly have a bright side. Right? ... . Request a Credit Report Unless you’re planning on requiring one for another purpose (such as a loan) within the next 12 months, now is also a good time to order a credit report. (You may obtain [more...]

Date: 2009-01-17 00:30:01

The Totally Free Credit Report Service

To get to know about the real condition of our credit score is something necessary to do in order to make us aware of the unwanted things occurring ... losses happened due to the credit score manipulation. Totally Free Credit Report is a website ... by the fact that by having too many inquiries run on your credit score can make several meaningful damages [more...]

Date: 2008-12-30 04:52:22

Totally Free Credit Report

While we were out at the mall, I can’t seem to count how many credit card agents handed me their flyers and leaflets plus asking me if wanted to get ... to new clients like totally free credit report and the immediate response to one’s running credit score ... for one that has a free credit score option so you can maximize the use and the capability of [more...]

Date: 2008-11-17 23:11:25

Credit Reports can be a Teaching Tool

by Rob Kosberg If you have recently been denied credit or plan to apply for credit soon, it would be wise to obtain your credit report ... . These are: TransUnion, Equifax, and Experian. It is possible to receive a free copy of the report from each ... for 2 years. There is no problem if your credit report is positive. However, any true negative [more...]

Date: 2009-01-15 21:32:08


by Rob Kosberg If you have learned that you are referred to in the financial world as a “credit risk” you will want to alter this and once again be ... . There are 3 credit bureaus: Experian, Equifax, and TransUnion. You are entitled to a free report ... to break down the milestones on the way. The “credit risk” label is based on your “credit report” [more...]

Date: 2009-01-03 00:19:55

Forecast for 2009

Introduction       There are two realities "out there" now competing for verification among those who think about national affairs and make things happen. The dominant one (let's call it the Status Quo) is that our problems of finance and economy will self-correct and allow the project of a "consumer" economy to resume in "growth" mode [more...]

Date: 2008-12-29 03:33:57

Inhofe Plays while the Boxer’s Away

It must be that time of year again. Just like last year, the Minority on the Senate Environment and Public Works (EPW) Commitee (read James Inhofe (R-Exxon)) has just released another "report" somehow proving ... about it anyway. DIGG. Let's make some things clear, we should be outraged about this report. But, [more...]

Date: 2008-12-15 00:00:10

The Next Front in the Rankings War: Paying Admitted Students to Retake the LSAT?

I previously blogged the rankings implications of the new early admission programs at Illinois and Michigan for admitting their undergrads without ... ; World Report. Here’s what happened at Baylor this year: When the class that enrolled this fall ... offered any admitted student a $300 book credit at the campus store just for taking the SAT again [more...]

Date: 2008-10-15 15:07:16

NFL Network goes up against Big Cable -- again

Sports seasons have familiar grooves -- say, the joy that some fans feel when the call goes out for pitchers and catchers to report for spring training. And so it is with the NFL. Discerning [more...]

Date: 2008-11-04 00:48:57

The Credit Crunch, Close Up and Personal

Within the last year, the true extent of the real estate debacle and ensuing credit crisis in the United States has become blatantly obvious ... and not just those in the subprime category. Customers with a credit score of 700, who were deemed “most ... .   But now there is a new phenomenon rearing its ugly head: a credit crisis of the individual [more...]

Date: 2008-12-15 16:37:48

Credit Crunch-ed by Credit Crooks

The Credit Crunch has finally personally affected me and it makes me furious! When I began house shopping months ago, I pulled my credit report ... that my credit card had been closed due to inactivity.  My credit report will now say, “Lender closed ... account.” CCC: Well, you were not using the card so we closed it. Me: First, the Fair Credit [more...]

Date: 2009-01-15 14:00:48

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