There have been thousands of articles written about what you should and 
shouldn’t do when it comes to your credit score. Most of them are pretty obvious–there are, however, a lot of weird ways you can hurt your score without you even realizing it. more
Author Archive for
13
May
12
Ways to Hurt Your Credit Score
05
Jan
12
“Sleazy ” has a new definition
You sign carrying / protesting / tax increasing / obamacaring / planned parenthooding / peace meditating / gun controlling/ pay me more or leave me on assistance .. friends of mine, I have a resolution for you, ya you: put your compassion where your hands and feed are and get moving.
Your wealth is not what you earned, its what the state allows you to keep, eh? Why should we not want the government to spend 39 cents of every dollar we make, how else do we expect them to get it if we don’t “pay our fair share”. And how `bout that “millionaire tax”, get em good !!
Times was, that financial morality was a product of how you got it, not how much you released to the state to employ you / raise you / educate you / assign beliefs to you / and control your arms.
And all you “99%”er’s. News flash, you are in the top 1%. “People count” folks, and there are hungry folks all over the world, most of you aren’t among them.
I wish I could get a few of you bleeding heart, can’t we all get along, love is the answer, don’t bully, think positive thoughts.. people to help us out with real people that are your real American neighbors that are really in need and hungry down here at the Flint Eastside Mission.
Happy New Year.
Blogmaster
Matthew 25:31-46 NIV – The Sheep and the Goats – When the Son …
One of our small mission friends …
24
May
11
How to Wreck Your Credit Score
Being 30 days late on a house payment — even if it is an accident — can knock 100 points off a pristine 780 credit score….
The details provide a warning for anyone whose home is way underwater and is tempted to simply walk away, or considering a “short sale.” …..
…….director of FICO mortgage markets, compiled the data partly to counter incorrect information, such as recommendations that people stop paying their mortgages so they can negotiate with a lender, she says.
FICO says a foreclosure or short sale where the size of the unpaid balance is reported are equally devastating to a good or excellent credit score, reducing it by as much as 150 points, to the high 500s or low 600s. A rarer “deed in lieu of foreclosure” — in which the borrower voluntarily transfers ownership of the home to the lender — may have less impact on an excellent score.
Recovering your original score takes about seven years. That also is how long the information stays on your credit report, where insurers and potential employers can see it.
Call it the great American sell-off . For years now Americans have been gathering and collecting at an amazing pace, filling homes that over the past half-century have more than doubled in size, to an average of nearly 2,500 square feet. And even that hasn’t been enough to contain our nation’s overflow of stuff. These days nearly one in 10 U.S. households maintains at least one self-storage unit, 65 percent more than did so in 1995. Filling these spaces, of course, comes naturally to baby boomers. Born into the giddy postwar climate of conspicuous consumption and weaned on decades of easy credit, they’re a generation accustomed to regularly leaving offerings at the altar of retail.
That is, until they hit the empty-nest, time-to-start-downsizing phase—and begin wondering what to do with their mountains of accumulated stuff.
…Expect a hired liquidator to do something like:
- —charge 35 percent of the final kitty.
- offer extensive advertising—her mailing list yields more than a few diehard big spenders who sleep overnight in front of the house for the privilege of first dibs
- —staffs the sale with up to a dozen helpers, and transforms the home into a retail boutique, polishing silver, washing baseboards and bringing in tables, racks and display cases.
- she arranges for leftovers to be donated and leaves the house, in industry parlance, “broom clean.”
Try eDivvyup to slice up estates in house.
as usual, click photo for story
Who says good software has to be expensive … or cost money at all? This week on Upgrade Your Life, Yahoo! News’ Becky Worley shows how to save hundreds of dollars, with free alternatives to pricey PC and Mac software packages.
03
Apr
11
Score Free Stuff
- AThriftyMom.com
- FatWallet.com
- Slickdeals.net a deal-sharing site
- TotallyFreeStuff.com, AbsurdlyCool.com and HeyItsFree.net … deals listed there are frequently updated.
- TwitterFreebies.com
- Freecycle.org, .. lists free items in your area.
- Swapstyle.com, a free fashion swap site
- You can also swap books, movies and other items at Swap.com.
- AFullCup.com is a social networking site for swapping coupons
- One place to sign up to host a house party is at HouseParty.com, where you can get samples for being a host
There are great ideas for saving money, but there are also bad ideas: Things we can do that seem to save money, but end up costing us in the long-run. Here are a few budget blunders to make sure you avoid. more
10
Feb
11
UTILITY PROVIDER CHOICES IN MI
Compare Michigan Electric Companies to Save Money
Your Energy Choices
If you live in Michigan, you can choose both your electric company and how you power your home. This freedom, which comes from energy deregulation, helps you get the lowest rates on the type of power you want.
In the suburbs of New York and Los Angeles, a four-bedroom home with a pool, three-car garage and vaulted ceilings 
could easily set you back $2 million or more. But 20 minutes from downtown Oklahoma City, a 2,800- square-foot house with those amenities at 9201 S.W. 26th St. is listed for a mere $239,500.
That may seem like an unusually low price, but it’s close to the norm in Oklahoma City, which tops our list of the best places to find bargain retirement homes. more
