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Is Credit Scoring Fair to Minorities?
December 21, 1998 "I was shocked to discover recently that my credit rating, called a 'FICO score', was poor, due largely to a 90-day past-due bill that I have every year because my work is seasonal. Comes the spring I always pay the bills in full? Most of my ... more...

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Equal Credit Oportunity Act
Equal Credit Oportunity Act (ECOA) Is a federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs. ... 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...

Split Personality - A Myth or a Reality?
IntroductionIn this world today, there are a lot of unbelievable diseases. One of them is the disease of human's mind, and a split personality is counted as one of the disease. Not many of people around the world believe if this disease really exists or not, or they rather think that the person is ... more...

Team and Organizational Survival Strategies for Turbulent Economic Times
Survival: The Name of the New Economic Game People rarely have a neutral reaction to Survivor, the reality based TV show. Love it or hate it, with 51.7 million viewers for the final episode of its first season, it's impossible to ignore it. Given our turbulent economic climate, Survivor is a ... more...

Identity Theft
Believe it or not, someone wants to be you. Not for the rest of their life but only long enough to use your credit cards, bank account and anything else you may have of value for their own personal benefit. They become you by stealing your identity. Although stealing someone's identity isn't new ... more...

The Perfect Book and Where to Find It!
If I was asked to describe the perfect book, one thats in high demand, moves off the shelves quickly, costs little or nothing to produce, involves the least amount of work possible, and offers multi-income streams, Id say it included one, preferably more of the following features:It Must Be Quick ... more...

What Will I Do When I Grow Up? Says The 45 Year Old Woman
I have always rather envied those people who have a burning vocation; they knew the career they wanted to follow and went for it. If, like me, you have never really known what you want to do, the years fly past and you still have to earn a living. But doing what?I did well at school and it ... more...

Cambodia: A Glimpse Into One Uncivilized Action
IntroductionTo be Cambodian is to be the warrior, the creator and the builder of Angkor Wat. More accurately, to be a Cambodian is to be a descendant of a people that produced architectural masterpieces of the Angkor era which rival the achievements of any of the ancient civilizations.Dr. Seanglim ... more...

Mortgage Glossary - A Glossary of Mortgage Terms You Should Know
Acceleration Clause A clause in a mortgage defining that the entire outstanding balance can become due and payable should mortgage default occur. If the entire balance is not paid, the property will be foreclosed.Adjustable Rate Mortgage (ARM) Mortgage with interest rates that may be adjusted by ... more...

The Dragons
I hope to provide a starting point for the serious scholar interested in the all important Chanes of Central America and convince researchers to look into the Egyptian dragons (crocodiles) and Chinese as well. I suspect the Li or Lee family of Merovingians has some connection to the Nestorian and ... more...

The Difficulties, Challenges and Problems Of Teleworking, Telecommuting and Working at Home
Working at home, from home, in your pajamas, in the nude, at the beach, working from bed or the easy chair - these are all the images and joys of home working that Kate and I enjoy and many others too. Kate and I sell Real Estate; that is perhaps the most popular telecommuting, work at home; pick ... more...

How to Buy a Home When Your in Your Twenties
A Singles Game of Real Estate (Getting started in your twenties)Due to the fact that most of us grow up in either a rented apartment or our parents single family home, it stands to reason that most people, when beginning to ask themselves the question of purchasing their own dwelling, will come to ... more...

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