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Jeanette Joy Fisher's Articles Display Category|Title|Newest|Oldest New Year Resolutions: Some Startling Statistics About American Consumers Before you whip out your credit card, stop and think. America is often called a consumer society, and it's true. We're also a nation of credit card debt, which is evidenced by some of these startling facts. We all know that acquiring overwhelming debt is stressful from a financial standpoint. However, it might surprise you to know that more than 70 percent of divorces in America are brought about due to financial problems. One thing Americans are NOT is savers. We simpl... Real Estate Investing: Infomercial, Tax Sales And Mentoring Scams Flipping through late-night infomercials recently, I saw two real estate get-rich quick schemes, and I couldn't help but wonder why people still fall for those old scams? Has anyone really talked a seller out of his home for no money down with owner financing lately? Real estate infomercials do great harm to beginning investors, who waste hundreds of dollars on old information. Worse yet, those beginners soon get discouraged and miss out on the true (and profitable) advent... 5 Ways Poor Credit Scores Costs You Extra Money Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses. What you don't know about your credit could be costing you money. Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Besides these conveniences, your credit report can mean that you must pay higher deposits and fees for everyday servi... Home Sellers - Is Your Listing Agent The Reason Your Home's Not Selling? Many home sellers sign a listing agreement with an agent who makes big promises and then their home languishes on the market. Do you know if your agent may be causing your home to go unsold? Some reasons why listing agents hold up home sales: 1. Lack of cooperation from other sales agents who dislike your listing agent. Some agents get a reputation of being difficult to work with. Ask another agent about the popularity of your listing agent. 2. Lopsided commission sp... Prepare Your Home For Sale: Kitchen Makeover Ideas Money spent updating your kitchen rewards you better than money spent on any other upgrades to your home. When it comes to kitchens, buyers continue to demand improvement in efficiency and style, and they love remodeled kitchens and new appliances. Even if you home costs less than the newer homes in your area, buyers view the model homes and hold the ideal in mind while home shopping. Newer homes place kitchens open to the family room and often have wide views of the o... A Beginner's Guide To Real Estate Investing Strategies If you're thinking about investing in real estate to make money, you need to first determine your financial goals. Do you need to make money quickly, invest for your children's college fund, or build wealth for your retirement? Once you determine your financial goals, you need to decide which type of investing strategy works for you. Make Money in Real Estate - Fast Cash Strategy If you're low on cash, get started by finding a bargain house and selling the contract to a... How To Get Started Investing In Real Estate If you want to make money investing in real estate, you have to begin with a plan. Here are some ways to get started investing in real estate. Choose a plan that works for you. If you don't currently own your own home, that's the best place to start. Many people never buy a home because they think they have to have perfect credit or a lot of money down. Talk to a mortgage loan officer. You may be surprised that you can buy a home with little money down. Homeowners Are R... Six Reasons Why Real Estate Investors Should Buy In December December and New Year's Day give home buyers and real estate investors the perfect occasion to buy real estate. Not only can you pick up a bargain property from a motivated seller, you can save on your purchase expenses. 1. Home shoppers put off looking for a home because of holiday decorating, shopping, and parties. Plus, the cold weather makes home buyers prefer to stay home; they prefer to wait for warm weather to buy real estate. Get the edge with little competition fr... What Does FICO Mean To You? Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness? The acronym FICO actually stands for Fair Isaac Company, which was the company that originally created a mathematical model for the credit reporting company Experian. FICO was designed as a tool that could be used by creditors to evaluate the ... How To Establish Credit It's been a Catch-22 dilemma, especially for young people, since the dawn of the Credit Age. You want credit, but you can't get credit because you've never had credit before. It's a situation everyone faces as they begin to try to become creditworthy. In order to qualify for a credit card, you must me at least 18 years old (or 21, if you're a permanent resident of Puerto Rico). From then on, the rules get more complex and are subject to interpretation by credit card issuer... Immediate Steps To Improving Poor Credit Credit can be a wonderful thing, but it can also be a dangerous pitfall, with disastrous results, when it gets out of control, even it happened through no fault of your own. If you find yourself overextended, here are some ideas for improving your credit. The first step is to acknowledge your dilemma. Denial is a natural reaction, but you absolutely must face up to the fact that you're in trouble, and begin to work your way out of it. Don't ignore your bills. That won't ac... Need Credit Repair Help? Try Doing It Yourself! No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an investigation of anything you find in your credit file that you believe to be either incomplete or inaccurate. That is perfectly legal, and can be done at NO cost to you. In fact, anything that a credit repair company offers to do fo... The Credit Repair Organizations Act (CROA) And You If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it. Only the passage of time will guarantee that information's ultimate removal from your file. The reporting companies will generally list negative credit information for seven years, and bankruptcy information will remain on your report for ten years. The time limits generally begi... The Fair Credit Reporting Act (FCRA) And You Your credit report gets viewed by other people besides credit grantors. Potential employers and insurance companies can deny you employment, auto and home owner's insurance based on your credit report. Understand your rights protected by The Fair Credit Reporting Act. No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it... The Real Way To Make Money Flipping Real Estate Would You Like to Make Money Flipping Real Estate? Many beginning real estate investors get started by flipping real estate to make quick cash. If you would like to make more money by investing in real estate, you need to know a few essentials. What is the definition of real estate flipping? Simple definition: Buying property and reselling quickly, hopefully for a great profit. Usually, people think of flipping houses, or the buying and selling of a home fast, as ... Credit Scores: Don't Waste Your Money Did you know that your credit score that you purchase online is not the same credit score your loan officer gets? You probably know that when you apply for a mortgage, your loan officer gets all three credit reporting agencies reports with three different scores. From your three credit scores, most mortgage companies use your middle credit score to determine your credit worthiness. Do you know that the credit score an auto dealer sees is not the same credit score your ... Credit Card Debt If you can't sleep at night because of credit card debt worries, you're not alone. Many people get in over their heads charging things they think they can't live without. You don't need to cut up all of your credit cards. Save your major bank cards, but stop charging needless temptations on them. You need a couple of major bank credit cards to maintain or build strong credit scores. The credit cards you should cut up, department store credit cards, cost you too much in ... Christmas Gift Ideas: Interior Décor Presents Choosing a gift for someone to display in their home can be frustrating. On the other hand, if you're shopping for a friend or family member, you can give a present that will be appreciated. When to Not Give Home Décor Presents If you've never been to your friend's home, I would definitely not give a household item unless it's for a recent bride with a gift registry. Even if you're gift shopping with your friend and she points out a darling framed picture or frilly pill... Holiday Decorating Ideas And The Environment Have you thought about how your holiday decorating affects the environment? What can you do about your holiday decorating to improve your happiness and at the same time be kind to the environment? The good news, taking action to decorate your home and office for the holidays, while keeping respect for the environment, makes your workload easier. Conquer holiday stress with simplicity. Keep your decorations to a minimum. Simple holiday decorating makes your life easier t... Holiday Decorating Tips: Christmas Candles How to Light Up Your Home for Joy Do you love the winter holiday season or does this time of year cause you stress? One way to lower your holiday stress, using fewer decorations, decreases your "just have to much to do" list. However, you still want to display Christmas candles because these decorations bring smiles to you and your loved ones. As days grow shorter and cooler and the suns sets earlier, people naturally crave the warmth and comfort of light, especially na... Home Buyers: Closing Costs You Might Not Know About If you're home shopping or in the process of buying property, you want to make sure you have all your costs covered. Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move. 10 most overlooked costs home buyers miss: 1.) Property Taxes and Assessments Home buyers often need to set up an escrow account with the new mortgage lender. This... Environmental Issue: Wood Burning Fireplaces Environmental Psychology considers two issues with wood burning fireplaces. What's important to you? Your home environment for emotional support or saving the environment? If you plan to move to a new home or to build a home, you may draw a line through a fireplace as a necessity. Although people love the warmth, comforting crackling sounds, aromas, and moving light a wood burning fire provides, fireplaces can emit polluted air into your home and into your neighborhood. ... Holiday Decorating Tips: Thanksgiving, A Time For Gratitude And Giving Get new holiday decorating ideas for Thanksgiving and Autumn. Start a new family tradition. Your home will look fabulous and your guests will love you. Turkey and Cranberries! Yeah! Before you dig into that turkey, take a moment for each person to say one sentence beginning with... "Today, I am grateful for..." You will be surprised at what children say, so keep a notebook handy to write down the gratitudes, or, better yet, record the event. Thanksgiving D...	Authors Sign Up for a free account. Submit your articles. Publishers Category RSS feeds. Resources Accredited Home Schools Article Directory More Resources

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