Angella's Real Estate Secrets & Insider Tips

Credit Card Reform May Shock You – Not What You Thought!

Credit Card Reform May Shock You
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use.
Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent interest rate, [...]

Financial Questions to Ask After ‘I Will’, but Before ‘I Do’

Financial questions to ask before you get married – a great article:
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All over the country on Valentine’s Day, men were down on bended knee proposing marriage. They spoke of love and affection and devotion. Few, however, mentioned what really matters: money.
Crass, maybe. But true nonetheless.
When you think about it, couples don’t fight over love. They [...]

Avoid IRS Tax Audit

Tax Audit – How To Avoid One!
Worried about a tax audit? Maybe you should be. More Americans than ever may be subject to unwanted attention from the Internal Revenue Service this season as the government pumps billions of dollars into tax collection.
More than 1.4 million Americans were audited last year, the most in a decade. [...]

How to Organize Bills & Mail

How to Organize Bills – a great article on doing it by mail or electronically.  When I was doing them by mail, I used a 4 file system, similar to the four “D” system described in the article.  My file had 4 slots:  To Toss, To File, To Do, & To Pay.  Once I had [...]

Top 5 Credit Repair Experts on Twitter

Top 5 Credit Repair Experts on Twitter
From my friend’s blog Megan-McGinnis.com…   Great info, or check out our Credit Category on how to repair the credit yourself.  Take care, Angella

1. D Ruiz | ( ihavegoodcredit on Twitter ) Guru of Credit (26yrs!) Please read my FAVORITES. You found it, the REAL DEAL of credit repair, Author, [...]

Improving Your Credit Score Part 2 – Tweak Your FICOs by 20 Points Quickly

Improving Your Credit Score Part 2 – Tweak Your FICOs by 20 Points Quickly
You can increase your FICO scores by tweaking your credit even if there’s nothing incorrect on it.  By cleaning up a few items most people don’t even think of, you can tweak your FICOs by 10-20 points.   First obtain your free credit [...]

Improving Your Credit Score Part 1 – Preferred Types of Credit & Amounts

Improving Your Credit Score Tips

So what are some specific tips for boosting or improving your credit score?
Amounts Owed Tips

Keep balances below 30% on credit cards and other “revolving credit”
Pay off debt rather than moving it around
Don’t close unused credit cards – keep them open and use them once every few months
Don’t open a number of [...]

FICO Credit – Revealed: How Common Credit Mistakes Affect Scores

The “damage points” data, unveiled recently by FICO, are part of the most revealing glimpse into the firm’s once-secret — and still mysterious — credit scoring model. The new information discloses how many points borrowers’ scores will drop when they make the most-common mistakes.

Did you max out your credit card? Expect a credit score drop [...]

Personal Finances – 7 Big Money Mistakes to Avoid

Personal finances can be a tricky subject to advise on, especially without knowing someone’s specific financial situation.    I agree with all of the points listed in the attached article, except for bullet #3, where they are talking about putting a 20% home down payment on a house purchase.  Personally, I’d rather  put zero or [...]

FICO Credit Score – What’s It Comprised Of?

The FICO credit score is comprised of a number of different components, which are broken down below for your reference.    The three credit reporting agencies in the United States of America, Equifax, Experian, and TransUnion, collect data about consumers used to compile credit reports. The credit agencies use FICO software to generate FICO credit [...]

Credit Card Mistakes – How Bad Are Yours? (Part 3 of 3)

Credit card mistakes and blunders are common.  Experts graded a range of credit card mistakes on a scale from 1 (losing a few bucks to a cash machine) to 10 (losing the house). Find out which worry the pros most — and which may (almost) get a free pass.
Debt Settlement Plans
How bad is it? [...]

Credit Card Mistakes – How Bad Are Yours? (Part 2 of 3)

Credit Card mistakes and blunders are common.  Experts graded a range of credit card mistakes on a scale from 1 (losing a few bucks to a cash machine) to 10 (losing the house). Find out which worry the pros most — and which may (almost) get a free pass.
4) Missing a Payment
How bad is it? 9
The [...]

Credit Card Mistakes – How Bad Are Yours? (Part 1 of 3)

Credit Card Mistakes  – Grade yours on a 10-point scale.
Nobody’s perfect. When it comes to our financial lives, we’ve all done things we later regretted — whether it’s getting slapped with a $3 fee for using an out-of-network ATM or going on a Las Vegas bender and losing the house on an overly aggressive poker [...]

6 Must-Have Millionaire Habits

Acquiring wealth isn’t a priority for everyone, but it’s safe to say that most of us want to live comfortably. Whether you’re striving to gain a financial peace of mind or shooting to be a cash money queen, these six basic habits of millionaires will help you land on your feet.

Learn From Your Mistakes – [...]

BlastOff is Sending YOUR Kids to College!

BlastOff is throwing out all the rules!  Minimum age requirement is ONLY 13 years old, and your kids can earn their college tuition now, by doing what they used to do on the Internet, but now finally getting paid for it and earning passive income!
This is the only program out there that allows young entrepreneurs [...]

Save More for Retirement with The Saver’s Credit

The Saver’s Credit is a tax credit that partially subsidizes the retirement savings of lower-income taxpayers. Government will actually help low-income earners save for retirement!

Affiliate Marketing Explained-Part I

Affiliate Marketing is something even I was unclear about until recently, and for those of you who are not clear on what Affiliate Marketing is (and believe me, 2 months ago I myself had NO idea), there’s a good 3-part explanation that my friend Megan McGinnis found on the EzineArticles.com website, by Brian  Hunter. Believe [...]

Affiliate Marketing Explained-Part II

Affiliate Marketing Compensation

…In affiliate marketing, the affiliate is compensated for every visitor, subscriber and/or customer provided through his efforts. This compensation (usually referred to as commission) may be made based on a certain value for each visit. The most attractive aspect of affiliate marketing from the merchant’s viewpoint is that no payment is due to [...]

Affiliate Marketing Explained-Part III

Affiliate Marketing Benefits

Affiliate marketing is an extremely advantageous arrangement for both the marketer and the affiliate. In the case of the merchant, he gets added exposure (and sales) for no more cost and any cost (commission) only arises when sales occur.  Additionally, he can have as many affiliates as he chooses, all of which will [...]

Retirment Planning – You Have to Start Early

Retirement Planning has to start early, or you’ll be losing 100’s of thousands of dollars, if not millions, in compound interest savings.  How early do you ask?  Take a look at the video below – that’s how early!

Budgeting – Reduce Your Housing & Living Cost

Budgeting – the “B” word nobody wants to talk about, but we are going to address it here today.
Do you ever wonder why at the end of the month there’s no money left over, or why your credit card balances keep increasing.  May be it’s because you don’t have a budget set up, and you [...]

Improving Your Credit Score

So what are some specific tips for boosting or improving your credit score?
Amounts Owed Tips

Keep balances below 30% on credit cards and other “revolving credit”
Pay off debt rather than moving it around
Don’t close unused credit cards – keep them open and use them once every few months to improve credit score
Don’t open a number of [...]

Credit Score and Credit Report Basics

Find out what your credit score (FICO) is made up of, and what it takes to improve a bad credit score.