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Managing Your Personal Finance

The Crazy Credit Catch-22

Remember Catch-22 and that ?damned if you do, damned if you don't? mentality? Well that is exactly how credit works these days. If you are responsible, pay off all your debts on time and live a relatively debt-free, all cash life, you can be penalized...

How Accurate Credit Listings Affect Credit Repair

If you have inaccuracies or problematic listings on your credit report, you may have considered the credit repair option. The Fair Credit Reporting Act or the FCRA was enacted back in 1979 to ?promote the fairness, accuracy and privacy of personal information on credit...

Six Biggest Credit Mistakes

The current economy has wreaked havoc on many people. Many people, even those who previously had stellar credit, have seen their credit scores plunge and they are still suffering the effects of bad times with bad credit. But there is hope. There are some things...

How Does Mortgage Delinquency Affect Your Credit Score?

Many people, many more than usual and many more than in past years, have recently experienced the trauma of not being able to make the house payment, not being able to catch up after delinquencies and the horror of foreclosure, not to mention the...

What If Credit Cards Aren’t For You?

On this blog, we talk about credit cards a decent amount. However, what if credit cards are not for you? There is no wrong or right way to handle your money. Some people are great with credit cards yet horrible with cash. Others are great...

In Case You Missed The Tax Credit

In an effort to get and keep the momentum of homes sales going even after the $8000 tax credit ended last Friday, Coldwell Banker Residential Real Estate Brokerages are offering a ?Buyer Bonus? up to $8000 to be credited to the buyer at closing. It...

Best Ways to Spend your First Paycheck

Paycheck
One of the best memories that someone makes in his or her entire life is the memory of getting their first paycheck. Only those who have ever been able to receive a paycheck know the sheer happiness one gets when they hold the fruit...

Selling Your Diamond? Why You Shouldn?t Expect Nearly As Much As You Paid

They say a diamond is forever, and it?s probably best for that slogan to hold true. If it doesn?t, and you find yourself shopping your diamond, you?ll come to the realization that the actual value of your stone isn?t worth nearly as much as...