The Optimist Vs the Pessimist

Seven rules to the credit game
RULE #1 Keep Credit Card balances below 30%, Pay down credit cards to less than 30% of credit limit. Ask the credit card company to increase you limit: here are the questions to ask Will you increase my limit without pulling my credit score? If I request a specific limit, will you deny me all together or will you counter offer? If you have multiple credit cards and some have low balances, you can transfer funds from one card to another so that each one has less than a 30% balance. If you are four (4) mo

Senate Approved Expanded Tax Credit For Home Buyers
The Senate has approved an extended and expanded tax credit for home buyers On Wednesday the senate passed an expanded tax credit.  The First Time Home Buyer Tax credit has been seen as a huge success and its expiration on November 30 has had many feeling nervous about what its end will mean.  Those fears can now be put aside.  While the bill still has to pass through the House, which it is expected to do next week, is was overwhelmingly approved by the Senate in a 98-0 vote. What is new and improved with the extended and expanded tax credit? 

Forecast Expects Foreclosures to Decrease in Coming Year
Foreclosures are expected to subside in the coming year The latest data released by UFA L.L.C., a firm located in Ann Arbor Michigan that researches mortgage activity, states that foreclosures are expected to decrease in the next year.  After four years on the rise there is no doubt that it will be nice to see foreclosures start to subside. Improvements in the foreclosure arena are seen linked to tighter lending practices, home prices stabilizing, and an improving economy.  The one element working against foreclosures is the increasing unemploy

10 Tips for mastering phone etiquette
Minimalism advocate D.H. Mondfleur once said, “Cell Phone are the latest invention in rudeness.” In fact, 68 percent of Americans say they observe poor cell phone etiquette—such as with overly loud conversations—at least once every day, according to a national poll from market research group Synvoate. Could you unknowingly be one of these offenders? Here are some basic cell phone etiquette rules to keep in mind when interacting with colleagues and customers. 1. Remember who you’re working with. How would you feel if you were having and important conversation with a sales associate, and she broke off the discussion every time her mobile phone buzze

10 Tips for mastering phone etiquette
Minimalism advocate D.H. Mondfleur once said, “Cell Phone are the latest invention in rudeness.” In fact, 68 percent of Americans say they observe poor cell phone etiquette—such as with overly loud conversations—at least once every day, according to a national poll from market research group Synvoate. Could you unknowingly be one of these offenders? Here are some basic cell phone etiquette rules to keep in mind when interacting with colleagues and customers. 1. Remember who you’re working with. How would you feel if you were having and important conversation with a sales associate, and she broke off the discussion every time her mobile phone buzze