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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...

Money Management for Children - Teach Your Children Well
Karrine Steffans - Confessions of a Video Vixen. Thats the author and name of one of the hottest books out on the circuit. Pretty catchy title, eh? The author is a 26 year-old, self proclaimed recovered addict of the sex, drugs and go-go dancing world of rap. The book, which was published in June, ... more...

Entrepreneurs (or Anybody Else): If You Must Use Credit Cards, Practice 'Safe Swiping'
But Everybodys Doing It Are you familiar with that plea some children make in an attempt to get what they want based on the behavior of their peers: But everybodys doing it? Should you, as a business founder or one who wants to be, use credit cards, just because a majority of your peers are using ... more...

Divining with Ordinary Playing Cards
You don't necessarily need an expensive Tarot deck to divine the future from cards. You can use a regular deck of playing cards. All you have to remember is that the four suits equate to the followingHearts represent love or equate to Cups in the regular deckDiamonds represent money or Coins or ... more...

Targeted, Relevant, Timely: Direct Marketing Success Is About Doing It Right
Ive been asked just about every question related to using the mail stream better, smarter and with a greater degree of success. I always lean back on three reactions a direct marketer must trigger, simply to gain opportunities: An action of Yes, Ill buy or Im interested in more or Not now, but ... more...

Grown Up, But Staying Put
Perhaps its simply because Im at that age, but Ive noticed that over the past few years the number of young adults still living with their parents has risen considerably. As a kid, I remember gleefully imagining the days when I would be free from the shackles of my parents, out on my own, and doing ... more...

Do You Want To Save Time With Your Web Design?
It starts off simply; a few HTML pages, a few hyperlinks, some affiliate links. Your mother is proud of her clever son. Then you install a forum, some more content, maybe consider using a Content Management System (CMS).Before you know it, you have a monster on your hands. This monster is eating up ... more...

Like It Or Not, You Have A Score To Settle!
Like It Or Not, You Have A Score To Settle! (Part 1 of 2 on Credit Scoring)Just when most people finish with school and can stop worrying about test scores, theres a new kind of scoring that enters the picture. Its called credit scoring. And, its impact on your financial future can mean more to ... 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...

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