Best Online Savings, CDs, and Money Market Rates

How to Detect and Avoid Credit Repair Scams

Back when life was much simpler, when credit was in the form of a firm handshake and the person’s word that they will repay the loan, the terms FICO (Fair Isaac Corporation), CROA (Credit Repair Organizations Act), FCRA (Fair Credit Reporting Act), among others, would have seemed like a foreign language. All anyone needed to do to “fix” their credit or to gain credit in those days was to “appear” credit worthy. In the early days of credit, a person’s credit worthiness was determined by the … [Read more...]

Don’t neglect your Most Important Investment!

I have had the "money pit of doom" for 13 years, but I still love my house. Each year this 62-year old small brick house surprises me with another leak or break. From new windows, new tile, to a new sprinkler system for my yard, I have fixed up something in every square foot of my house and yard! The worst news is that I am only 2/3 of the way done! However, instead of thinking about moving to a bigger or better house, I think about how I will make my house nicer. Some people say that your … [Read more...]

The 6 Simple Steps To Repairing Your Own Credit

So you’ve obtained your free credit report that is allowed to you once per year via www.annualcreditreport.com and discovered that there are serious errors on your credit report. You have scoured the Internet in search for help from companies and law firms who charge a hefty fee to correct your credit. A fee such as $99.00 to start a service on top of $99.00 per month until your credit is corrected (which could take upwards of one year!) So What Do You Do Now? Load up your printer ink and buy … [Read more...]

Is a newspaper route a good way to make extra money?

My kids have a monthly paper route that delivers once a week. However, they only make $9 a month,so we wanted the "big time" newspaper route which claimed that you could make up to $800. They saw dollar signs in their eyes and we called right away. I had to call several times before someone called me back. Even then we were put on a waiting list for over two months. The anticipation built. Here is what I found out about a paper route.... Claim: "You can make up to $800 a month" They say that … [Read more...]

It is never too late to change your Financial Game Plan

You can choose to get out of debt no matter your age. You can choose to be wealthy no matter how close to retirement you are. You even can choose to start a financial game plan even if you didn't have one before such as investing in a college fund even when your kid is in high school! But you have to choose that path and choose it right now. Here are some choices you can make right now to change your life for the better and bring a little extra cash or pay off some debt. Just pick one -- not … [Read more...]