5 Tips to Raise Your Credit Score
By Scott J. Wilson RISMEDIA, August 6, 2011â€”(MCT)â€”The higher your
credit scores, the better shot you have of getting a loan or credit card
application approved. Improving your credit scores takes time, but it
can be done. Start by getting free copies of your three major credit
reports at the government-authorized site annualcreditreport.com.
1. Check your reports for accuracy.
Financial columnist Liz Weston, author of â€œYour Credit Score,â€ says to
look for credit cards or other accounts that arenâ€™t yours, negative
entries that are more than seven years old, duplicate past-due items and
incorrect Social Security number or date of birth.
2. Dispute errors.
Credit bureaus are required by law to investigate mistakes you bring to
their attention and report back to you. Typically, they ask the
creditor that reported the past-due information to check its records. If
the creditor canâ€™t verify the info or doesnâ€™t respond, the item should
be deleted...[read more...]
Keller Williams Realty
How to Choose the Right Home for Your Family
Youâ€™ve probably heard more than once that todayâ€™s perfect storm of
low prices, high inventory, and affordable interest rates are making
this the right time for you to buy that home youâ€™ve always wanted. As
you begin to shop around, however, there are several important criteria
to consider in order to make the best choice for you and your family.
Discuss the following with your real estate agent before you begin
looking for a home. This will help narrow down the choices and shorten
the search process:
Type of home:
One-story or two, single-family, duplex or condo? How will paying
homeowner dues affect your overall buying power? Will a swimming pool be
a bonus or a hindrance? Making these decisions in advance will help you
focus on the right types of home to look at.
New or existing: A new home is all...[read more...]
Keller Williams Realty
Do You Have the Right Coverage?
Take an Insurance Check-up with the Best!
is a necessary part of lifeâ€”it helps provide us with important peace of
mind and financial security. But are you aware that your insurance
needs change as you pass through lifeâ€™s many chapters? Adapting your
insurance coverage accordingly is critical to your future. He are some
key insurance stages to be aware of from the Federal Citizen Information
Teen and College Years. A new driverâ€™s license in the household calls for additional auto insurance. Coverage is cheapest for teens added...[read more...]
Insurance and Financial Services Agent
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Claim Financial Independence All Year Long
By Kara McGuire
RISMEDIA, July 12, 2011â€” (MCT)â€”With your
Fourth of July cookout and fireworks watching over, why not take some
time to reclaim your financial freedom?
Nagging money issues can put a chokehold on our lives. And in the
weekly hustle, it can be hard to carve out time to tackle our financial
to-do list. Granted, many money-related matters that can increase your
financial independenceâ€”think increasing income or getting out of
debtâ€”take a lot longer than a day. But you have to start somewhere.
Devote a couple of hours in the hammock with your laptop and youâ€™d be
surprised at how much you can accomplish. Here are a handful of ideas:
Start with Your Future:
you saving for retirement? I hope the answer is yes, especially if your
company offers free matching money when you save a certain amount. Have
you looked at your 401(k) or IRA performance lately? Take a look. The
second quarter wasnâ€™t...[read more...
Keller Williams Realty
What Is Freedom?
As shared byÂ Robert Scoble at Google+
Today as I drove through Napa I was thinking about "what is freedom?"
After all, the Fourth of July is a good time to think about that (USA's
birthday is July 4th).
Freedom is the ability to do what you want without worrying about what other people think. My friendÂ +Jesse Stay
has written about religious persecution (he's a Mormon, an organization
that has faced its share of such) and I am glad me and him have the
ability to believe any damn thing we want without facing too much
It is freedom to love whoever you want. In some countries my wife...[read more]
10 Quotes to Inspire You to Do More Good
You work hard to support the causes that are important to you, and
you're not alone. Just listen to what some of the great authors,
politicians, and activists of the world have to say about making a
difference. Their words speak to the impact you -- or any single --
person can have on the world.
1. "If you can't feed a hundred people, then feed just one." - Mother Teresa
2. "Volunteers do not necessarily have the time; they just have the heart." - Elizabeth Andrew
3. "A bone to the dog is not charity. Charity is the bone shared with the dog, when you are just as hungry as the dog." - Jack London
4. "The smallest act of kindness is worth more than...[read more...]
Help Recognize Top Health Nonprofits
Mine is WeSpark.org, check it out!