Credit Report And Correction Techniques
The three major credit bureaus, Experian, Equifax and Trans Union are similar and feature a "Credit Score", which is created from credit report data submitted to them about you. Their report includes where you live, your bill-paying habits, and bankruptcy and arrest information. The information ... more...

Debt Consolidation Tips
Here are some useful Debt Consolidation tips. Debt consolidation is a loan used to repay several other loans. Debt consolidation loan takes the group of debts that you owe, and consolidates them into one. In other words it combines several debt obligations into one debt.If you find you have several ... more...

Top 10 Ways to Avoid Loan Fraud
Every year, misinformed homebuyers, often first-time purchasers or seniors, become victims of predatory lending or loan fraud. Below you'll find the top ten ways to avoid becoming a victim yourself.1. Take your time and shop around. You should be able to compare prices and houses. If a lender or ... more...

U.S. Real Estate Sought By Foreign Investors Due to a Weaker Dollar
The weak US dollar has been good news for real estate. Taking advantage of the favorable conversion rates, foreign investors are eagerly picking up real estate in major cities across the US. Who is buying and where are they investing?WHO IS INVESTING?In recent years the U.S. real estate market has ... more...

5% Down Vs. 10% Down - A Comparison
It has always been an issue for home buyers to save their down payment. Many people, on advice from various people wait to save 10%, rather than moving into the home sooner with 5% as a down payment This is not always a good idea. Let me explain;We have 2 young couples, the Jones' and the Smiths. ... more...

Buying a Home with Zero Down Payment in Irvine, CA
Years ago, the only person that could buy a home in Irvine with zero down payment using a new purchase money loan were Veterans of War (called a VA loan). In the past several years, there has been an explosion of new loan programs designed to fit most any buyers circumstances. Today, most anyone ... more...

How To Prepare Your Income Tax Return
The first step in your income tax preparation is to work out your total income. A persons total income includes many kinds of receipts such as wages, interest, alimony, lottery winnings and many more. It is important to gather all of the appropriate information for any money you have received ... more...

How To Budget Your Household Accounts
It is so easy to despair when you encounter your first financial crisis. You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be ... more...

Pareto Chart You Say?
One of your department heads looks at you and asks Ishiwhat? You know, you reply, a fishbone diagram. Still blank stares. Cause and effect? you say as you scribble out a trout carcass on your white board. Still nothing. Youre starting to think the elevator doesnt go all the way to the top. Youve ... more...

Cheap To Keep
You've heard it all before when it comes to stats about customer retention. Acquiring a customer costs five to 10 times more than retaining one. Repeat customers spend, on average, 67 percent more. After 10 purchases a customer has referred as many as seven other people.So, if your focus is on ... more...