Credit Score & Credit Repair – Page 30

admin May 24, 2015 Beautiful Life, holiday season

51 Cost Effective Things to do This Memorial Day

Every year, Memorial Day is celebrated on the last Monday of May. This day is observed in order to honor, remember and celebrate the soldiers who have lost their lives in the line of duty to serve the United States Armed Forces. Memorial Day is also marked as the start of summer. Many people use this as an event to both celebrate Memorial Day and also to welcome summer. This is one of the long-awaited holidays we have. For me this is the first holiday of the year as I haven’t taken any paid leave so far. Planning to celebrate the day by doing some fun activities with friends. What will you be doing? There are many things a person can do to celebrate Memorial

Credit Score & Credit Repair

admin May 24, 2015 apartments, lease terms

4 Tips for Breaking Your Apartment Lease

One attractive aspect of renting vs. owning a home is the lack of a long-term commitment. While it may seem that renters can pick up and go at the drop of the hat, there are still usually agreements in place. You may not be able to sneak away from a lease in the middle of the night without consequences, but there are steps you can take to minimize the penalty of leaving your rental agreement early. You’ll also want to be aware of any potential impact on your credit. 1. Know Your Rights & Your Lease Before you get started on the process, it’s a good idea to look over your lease and see what exactly you have legal responsibility for if you leave the rental

Credit Score & Credit Repair

admin May 24, 2015 discount, discount sites

5 Tricks to Get Discounts on Everything You Buy

There is no reason to ever pay full retail price for anything you buy in a store — ever. With the rise of online shopping, which allows for instant price comparison, brick-and-mortar establishments must go the extra mile to earn your business. All you need are the tools to pay less for what you want. Read on to fill your toolkit: 1. Learn to Negotiate Most people are uncomfortable haggling; we’re used to opening our wallets and saying “here.” But you are likely to find it’s worth it to try your hand at bargaining. A Consumer Reports survey shows 89{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca} of hagglers were successful at least once. And the savings can be substantial. People who questioned health care charges or furniture prices saved an average

Credit Score & Credit Repair

admin May 23, 2015 Credit Cards, homeownership

5 Credit Cards for New Homeowners

As any homeowner will attest, buying a house is one of those purchases that only comes with more expenses. Maintaining a budget and shopping around for the best deals on big expenses like furniture and home-repair services will help you save money as a homeowner, but taking advantage of good credit card offers can be another way to accomplish the same goal. You may be surprised to learn about all the different credit cards out there that meet the money-saving needs of homeowners — there are a lot of options, but you generally need a good or excellent credit score to take advantage of the offers. Before applying for any new credit, take a look at your credit scores to see if you have a

Credit Score & Credit Repair

admin May 23, 2015 budget vacation

Most Consumers Overspend on Vacation: Here’s How to Stay on Track

While many consumers say they design their vacation plans in such a way to save money, 60{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca} of consumers said they exceed their summer travel budgets every year, according to a nationally representative survey conducted on behalf of Citi ThankYou Premier card. Nearly a third (30{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca}) said they avoid holiday weekends when scheduling their vacations because of the high costs associated with them — only 11{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca} said Memorial Day is the best time to arrange summer travel. For those who plan to take a vacation this summer, most (74{7dabfd103aa443fce219eea47f0f346a11a54ce587a1a0cbb74f06b9f7a304ca}) say they’re going to do so by car. On average, gas prices are about $1 per gallon cheaper this year than last year, according to AAA’s data on national fuel costs, though the average

Credit Score & Credit Repair

admin May 23, 2015 retirement plan

Retiring Soon? Don’t Make These 8 Mistakes

There is plenty you can do to avoid running out of money in retirement. Planning is the key. Some retirees just plunge in. More often than not, that gets them into trouble. Following are eight money mistakes people nearing retirement make, and how to avoid such foibles so they don’t crack your nest egg. Mistake 1: Not Planning for Medical Expenses Medicare kicks in at age 65, but that’s not the end of your medical expenses. Fidelity Benefits Consulting estimates a 65-year-old couple who retired in 2014 will need $220,000 of their own money for medical expenses over the course of retirement. Such costs include deductibles for Medicare Part A and Part B (inpatient and outpatient insurance) and premiums and out-of-pocket costs for Medicare Part D prescription

Credit Score & Credit Repair

admin May 22, 2015 business, small business

Why is ProOpinion Good for Individuals Starting A Business

Has there been a time where you have to do such extensive research for your business that it ended up being exhausted and jaded? Don’t you wish that everything that you need for your business were grouped under one umbrella so you will be able to find it at a click of a button? There are many knowledge-based website hosted by leading business schools or high profile companies, but it still mean you have to go to several websites to look for the right thing that you want. And not mention the cross-checking and cross-referencing that you have to do to make sure that your information is legitimate and usable. is an online community with people with the same goal – driven by

Credit Score & Credit Repair

admin May 20, 2015 Investing, Investment

Use Moats to Protect Your Investment Castle

Just as a physical moat protects a castle and keeps it thriving, an economic moat protects long-term returns, along with a company’s earnings. For example, Visa and MasterCard have a huge network of connected merchants. New competitors would have to invest a significant amount of time and money to build a similar network. In this case, the size and scope of the network is the moat. The size then makes merchants stay with Visa and MasterCard, as their scale gives them pricing power. Visa and MasterCard’s economic moat limits competition, making their earnings more consistent and predictable. Not only Visa and MasterCard, but all other moats produce returns and help protect earnings. As earnings grow over the long-term, so will the value of your investment.

Credit Score & Credit Repair

admin May 18, 2015 environment, saveenvironment

How You Can Help The Environment

Arguably, world is right now experiencing it;s latest extinction level event, which is human induced. Since last thousands of years human beings caused extinction of large species of animals and plants. Now we are in self-distracting mode. In a way we are about to wipe out every living being on this planet. If we don’t stop what we are doing now. That is damage we are causing to our environment. Unless every one of us start playing our part, we are in irreversible path of self-annihilation. This is not my theory. Read about Holocene extinction event on Wiki. How can you help? Let’s talk about how we can do our bit. Earth will still be around after thousands of years after our

Credit Score & Credit Repair

admin May 13, 2015 PersonalCapital, Review

51 Reasons Why I Love Personal Capital Tool, A Review

I have been using Personal Capital to manage my finances for over a year now. For last few years I did use Yodlee Money Center for the same purpose, but since I got accustomed to Personal Capital, which took a couple of visits, I have completely stopped using Yodlee. In the past I had used Mint.com as well, but they have some serious limitations and I don’t use it anymore. I have become a huge fan of Personal Capital features. You can’t ask for more in a free tool. So, in this post I will go gaga over the new tool I am using. Personal Capital money management tool really changed the way I was managing my finances in general and investments in particular.

Credit Score & Credit Repair

admin May 11, 2015 interview, nerds of ck

Nerds Behind Credit Karma: Zack

Hey folks! It’s time for another edition of Nerds Behind Credit Karma. Last month, we introduced you to Craig, one of our awesome Senior Software Engineers. Today, you get to meet another Senior Software Engineer on the team: Zack! Zack loves spending time outdoors and recently went on a backpacking trip scaling coastal mountains along the Pacific coast in Big Sur, where he was briefly trapped in a dead tree. Find out more about Zack below! The Interview What’s your title at Credit Karma? Senior Software Engineer Describe in 25 words or less what you do. I work on the offer serving system and the framework to validate and send events to our data storage and processing pipeline. How long have you worked at CK? I started August