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When Good Credit Marries Bad Credit
November 2, 1998, Revised November 22, 2004 "My fiancee and I are first time buyers and would like to purchase a single family home in New Jersey. He has an outstanding credit report and I have a bad one (collections, ... more...

Government as Mortgage Lender
May 4, 1998 "Since government regulation has not been successful in eliminating deceptive practices from the mortgage market, wouldn't it make sense to have the government lend directly to consumers?" As ... more...

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Get instant on-line mortgage rate quote and closing cost estimate. Only put your loan numbers. No contact info required. Compare offers from top mortgage lenders... more...

Business Credit Scoring: Is It a Killer Application or Application Killer?
In his 1968 seminal novel, 2001: A Space Odyssey, Arthur Clarke introduced HAL, a spaceship computer with artificial intelligence. Mission engineers designed HAL to carry out an array of technical orders to safeguard the ships mission. HAL operated flawlessly until it reported the failed operation ... more...

Patio Canopies: Protecting Your Patio From The Elements
Most working individuals with families target a home as their primary investment. Since the home is generally considered symbolic of ones social status, many exert much effort to make their homes a beautiful and comfortable one without sacrificing functionality and the budget. This attitude also ... more...

How to Read a TransUnion Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

Hidden Bank Loan Charges That Would Make a Pick-Pocket Envious
There can be more to a bank business loan than making interest and principal payments. Your firm may get a great rate on its new credit line or term loan but you may cry on the way home when you discover the hidden fees and charges.Even seasoned borrowers can be caught off guard. Borrowing costs ... more...

Repairing Your Credit
Weve all seen them. "Send me 99.95 and Ill fix your credit and you can get a one million dollar credit card tomorrow." Ok so I am being a little dramatic. This article is to give you some insight into repairing your credit. It is not meant in any way to be legal advice. We will discuss several ... more...

Snowbirds, Bi-Coastal and Life in 2 Locations
Upon visiting my friends in their newly purchased second home, away from the cold Midwestern winter, I was left with many questions. What is it like to live in 2 locales? Is it so much fun like constant vacations? Or is it double the work? The housework? Social life? Logistics? Here are some ... more...

Get Your Credit Score To Soar In The Twinkling of An Eye
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home ... more...

Non-Violent Family Friendly Games Is A Big Trend
Do you think that computer games are all about shooting and killing? Well, you are dead wrong. There are dozens of game titles created by family friendly game developers that are kids safe. Here are just a few of them.DropHeadsMeet the Dropheads, hilarious and loveable characters with treasure on ... more...

Refinance Mortgage - The Most Effective Option For Consolidating Bills
Have you ever wondered what exactly is the benefit with refinancing your mortgage? This informative article can give you an insight into everything you've ever wanted to know about refinance mortgage and how you too can consolidate your monthly bills.There are several reasons why a refinance ... more...

10 Tips For Reducing Your Expenses
10 Tips for Reducing your Expenses (and Conserving your Cash)1. Reduce Overtime. Overtime is expensive, but a little preplanning of your work schedules will go a long way here. The feast or famine cycle that many businesses go through can drive costs up without a corresponding increase in sales. ... more...

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