Free Credit FICO Score Law Passed By The Senate! - 07/31/10 11:02 PM
Free Credit FICO Score Law Passed By The Senate!
People who are denied credit or a job because of their credit report history may soon be able to get their credit report FICO score free of charge, thanks to an amendment passed by the Senate Monday evening!
The measure, was a part of the massive Wall Street reform bill being debated in the Senate, would expand an existing law that was passed in December 2003, gave consumers the right to one free credit report every year from each of the top three consumer reporting agencies -- Equifax, Experian, and Trans Union.
… (13 comments)

Top Ten (10) cities for young adults in the USA! - 07/29/10 05:55 PM
Top Ten (10) cities for young adults in the USA!
According to Kiplinger Magazine, here are 10 cities in the U.S. that offer exceptional opportunities for young adults who're starting out in a new life!
Here's the list:
Number 1 Austin, Texas
Number 2 Charlotte, NC
Number 3 Chicago, IL
Number 4 Houston, Texas
Number 5 Kansas City, Mo
Number 6 Lansing, Mich
Number 7 New York, N.Y.
Number 8 Portland, Ore
Number 9 Salt Lake City, Utah
Number 10 Washington, D.C.
This is just FYI only!
Thanks.
… (3 comments)

Wow I finally reached the century mark (100,000)! - 07/28/10 08:00 PM
Wow I finally reached the century mark (100,000)!
I have been work hard on my active Rain account for about Five months more or less!
It finally pays off I have reached the century mark (100,000)!  
There's one beautiful lady I owned her all the credits for reaching the milestone, who should be nameless to protect the innocence she helped me alone the way with her steadfast support and encouragements in her words this is a great accomplishment!
So therefore my gratitude and appreciation goes out to her!
Thank you, thank you, and thank you!
Adam Malachi
… (16 comments)

Have you change Your Utilities Just Yet? - 07/27/10 08:25 PM
have you change Your Utilities Just Yet?
 
If you're in the process of purchasing any property in the Denver Metro Area, here some information's you need to know and you must contact to start your own service!
 
Cable Companies:
 
Comcast       (800)-266-2278
Dish Network (800)-333-3474
Direct TV       (800)-595-9931
 
Phone Companies:
 
Qwest              (800)-244-1111
                      (877)-843-5444
AT&T               (800)-222-0300
Sprint              (800)-877-7746
 
Gas and Electric:
 
Xcel Energy       (888)-895-4999
IREA (Rural area)
                       (303)-688-3100
This is good information's to have handy anyway!
This is just FYI only!
Thanks.
… (5 comments)

What's Your Number? - 07/27/10 08:11 PM
What's Your Number?
I ‘m not referring to your telephone numbers; I'm referring to your FICO credit scores!
Your FICO credit scores it's a numerical calculation or summary of your credit history!
It's very important to know your FICO credit scores! Since it's combinations of numerical, creditors, and lenders!
Your credit can be easily assessed by your lenders for credit risk to make decision regarding extending a credit, loan, and credit cards to you!
Your FICO scores can be range from 300 points the worse credit scores to 850 points the best credit scores!
In my opinion consumers with higher FICO … (2 comments)

If applying for credit here's what the lender are looking for? - 07/26/10 04:28 PM
If applying for credit here's what the lender are looking for?
When a borrowers/consumers applies for credit, the lenders/creditors wants to know whether the borrowers/consumers has the ability and willingness to repay their debts!
The lenders/creditors will considers the three C's in making their decision:
 
1, C, Barrowers/consumers Capacity!
2, C, Barrowers/consumers Character!
3, C, Barrowers/consumers Collateral!
 
Capacity of borrower/consumers:
Fist of all do you have a steady job for the last two years!
What's your salary and how's reliable your income!
What's your current living expenses can you afford the new life style!
How much are your open … (2 comments)

Shares your favorite quotes! - 07/26/10 03:32 PM
 Shares your favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here is some of my favorite quotes:
 
We are the sum of our actions, therefore our habits make all the difference.~ Aristotle
 
People may not remember exactly what you did or said, but they will always remember how you made them feel.~ B.C.Forbes
 
Success will never be a big step in the future, success is a small step taken just now.~ Jonatan Martensson
 
Thank you very much for sharing your quotes!
 
Adam Malachi
… (4 comments)

The Best Used Sport Utility Vehicle (SUV)! - 07/25/10 03:45 PM
The Best Used Sport Utility Vehicle (SUV)!
To help us narrow the field, here's a list of Consumer Reports recommended used SUVs. These vehicles have performed well in our road tests, have average or better reliability, and have performed adequately if included in crash tests complied  by private  insurance safety experts!
The Denver Metro area is the SUV capital of the world!
 
Small SUVsRanked by reliability
This is just FYI only!
Thanks.
… (3 comments)

Top Seven (7) Job to Skip College For! - 07/25/10 03:20 PM
Top Seven (7) Job to Skip College For!
According to expert here's the list of the Seven (7) Job does not require high level of education:
1. Freelance Photographer: $47,800 median salary!
2. Private Detective or Investigator: $50,600 median salary!
3. Elevator Mechanic: $61,500 median salary!
4. Nuclear Power Reactor Operator: $79,100 median salary!
5. Personal Trainer: $37,500 median salary!
6. Director of Security: $62,400 median salary!
7. Air Traffic Controller: $60,200!
In my opinion There's no high-paying job that doesn't require a high-level skill/education!
This is just FYI only!
Thanks
… (6 comments)

Questions you should be asking your mortgage lender before getting a loan? - 07/24/10 01:01 PM
Questions you should be asking your mortgage lender before getting a loan?
 
First question to ask your mortgage lender is what type of loan I am getting from your mortgage company; Conventional, FHA, VA Etc.
 
What will the monthly payment be? 
Is that payment per month, every month for the live of the loan?
Could it be increase?
If so what would my new payment be?
Could my monthly payment increase for more than one time?  If so what is the main reason for the increase?
Does my monthly payment include an escrow to pay my homeowner insurance, and … (2 comments)

Denver Metro Area Home Sale Cost to Taxpayers! - 07/23/10 06:40 PM
Denver Metro Area Home Sale Cost to Taxpayers!
 
According to The federal home buying tax credit program cost taxpayers an estimated $46.2 million for homes that closed in the Denver area in May and June, according to an analysis by Inside Rea Estate News dot com The value of the homes purchased that would be eligible for the tax credits - up to $8,000 for first-time home buyers and $6,500 for qualified existing home owners buying up or down- is $1.45 billion!
Local real estate offer mixed-opinions on whether the tax credit stimulus - a dollar for dollar write off, which … (3 comments)

Shares your favorite quotes! - 07/22/10 06:16 PM
Shares your favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here is some of my favorite quotes:
 
Generous Gestures yield the most when that isn't their purpose.~ Malcolm Forbes
 
How often could things be remedied by a word. How often is it left unspoken.~ Norman Douglas
 
You never too old to do goofy stuff.~ Ward Clever
 
Thank you very much for sharing your quotes!
Adam Malachi
… (12 comments)

Fast and easy way to increase your credit FICO scores! - 07/19/10 07:13 PM
Fast and easy way to increase your credit FICO scores!
Before you start any loan application of any kind, Make sure that all your credit cards balances are at 30% or less, and the limit is $5000 or more, and have the credit for Five years or more!  Also that your credit limit are posted on your credit report! Make sure your credit is being reported to all three credit-reporting agencies! Otherwise your three scores will very if it is only posted by one credit agency and not by the two other!
Make sure that all good credit is reported to … (8 comments)

Why the FICO Scores was created? - 07/18/10 09:38 PM
Why the  FICO Scores was created?
The Fair Isaac Corporation, known as FICO, created the first credit scoring system in 1958, for American Investments, and the first credit scoring system for a bank credit card in 1970, for American Bank and Trust. Because a score does not consider race, sex or ethnicity, it is generally considered to be the most fair and objective underwriting tool available to lenders. The Federal Reserve Board did a study that noted scores have increased the availability of credit and reduced the cost of credit.  Scores have also proven to be very predictive in assessing risk … (15 comments)

Here are few steps to take to help minimize the risk of becoming a victim of Identity fraud! - 07/18/10 08:40 PM
Here are few steps to take to help minimize the risk of becoming a victim of Identity fraud!
By following few steps bellow you can definitely minimize the risk of identity fraud!
1, always deposit your outgoing mail in the post office collection box or in the post office itself!
2, never ever give your personal information's over the phone, internet, and by mail unless you have initiated the contact!
3, always keep your personal information's in a safe place, like safe deposit box in your bank, etc!
4, you must reduce the number of credit cards you're using so you … (3 comments)

How many types of identity fraud are there? - 07/17/10 01:15 PM
How many types of identity fraud are there?
There are three (3) different type of identity fraud!
 
1, financial type: where the thieves open lines of credit or obtain a credit card under the victim's name!
 
2, criminal type: where the thief uses the victims name in a traffic violation or comets a crime under the victim's name!
 
3-identity cloning: where the thief creates a whole new identity using the victim's information!
 
This is just FYI only!
Thanks
… (2 comments)

Would You Shares your favorite quotes! - 07/16/10 11:37 PM
Would You Shares your favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here're some of my favorite quotes:
 
Be great in act, as you have been in thought.~ Jean Paul Richter
 
Press on. Nothing in the world can take the palce of persistence.~ Ray Kroc
 
The two herdest things to handlw in life are failure and success.~ Author Unknown
 
Thank you very much for sharing your quotes!
Adam Malachi
… (4 comments)

What are the benefits of credit report FICO scoring? - 07/16/10 11:22 PM
What are the benefits of credit report FICO scoring?
 
There are many benefits of credit report FICO scores among theme:
 
Will increase the speed and efficiency of creditors/lenders credit decisions!
 
Will increase the availability and variety of credit!
 
Will assist the creditors/lenders in making unbiased decisions!
 
And finally it wills standardize/ efficienize the credit granting process!
 
This is just FYI only!
Thanks.
… (10 comments)

Denver Metro Homeowners Could saves about $ 600 Million annually! - 07/15/10 09:05 PM
Denver Metro Homeowners Could saves about $ 600 Million annually!
The Denver Metro area homeowners could potentially save almost $600 million a year by refinancing their mortgages into the record-low rates available, according to an analysis by Inside Real Estate News dot COM
While there does appear to be an up tick in refinancing, phones are not ringing off the hook in lender offices. Meanwhile, even the trifecta of good news for home buyers - super-low rates, housing prices well off their peaks, and an increased supply of unsold or pre-owned homes on the market to choose from - have not … (3 comments)

The Best Hospital in the America! - 07/15/10 04:21 PM
 The Best Hospital in the America!
Not all your Hospitals are equal when it cones of being the best hospital period!
Here're the ranking according to US News:
 
This is just FYI only!
Thanks.
… (3 comments)

Shares your favorite quotes! - 07/13/10 10:06 PM
 
Shares your favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here is some of my favorite quotes:
 
Anything done for another is done for yourself.~ Pope John Paull II
 
If we did all we were capable of doing, we would literally astonish ourselves.~ Thomas Edison
 
Feeling Gratitude and not exoressing it is like wrapping a present and not giving it.~ William Arthur Ward
 
Thank you very much for sharing your quotes!
Adam Malachi
… (14 comments)

Highlands Ranch Colorado rank # 12 best city in America! - 07/12/10 11:19 PM

 Highlands Ranch Colorado rank # 12 best city in America!
According to CNN money MagazinePopulation: 98,000
With over 8,100 acres of open space, 22 lush parks, and activity possibilities that span from hiking to golf, this
unincorporated area outside Denver offers the best of the Colorado outdoors.
Visit Highlands Ranch Mansion! a historic structure, or one of the town's four state-of-the-art recreational facilities.
A strong school district and steady home prices appeal to families. Highlands Ranch's Colorado is a great place to live, work, and play!
This is just FYI only!
Thanks.
 
… (0 comments)

Top Ten Places to Live in America! - 07/12/10 09:21 PM
  Top ten places to live in America!

 According to CNN money!
Eden Prairie, MNPopulation: 64,000 Unemployment: 5.1%Pluses: Plenty of jobs, very low crime, lots for kids to doMinus: Long, cold winters Columbia/Ellicott City, MDPopulation: 155,000 Unemployment: 5.2%Pluses: Booming economy, terrific schools, diversityMinus: Bad traffic Newton, MAPopulation: 82,000 Unemployment: 6.0%Pluses: Great schools, low crime, strong economyMinuses: Pricey homes, bad traffic Bellevue, WAPopulation: 124,000 Unemployment: 5.8%Pluses: Natural beauty, excellent schools, diversityMinuses: Pricey real estate, rain McKinney, TXPopulation: 125,000 Unemployment: 7.8%Pluses: Affordable homes, charming downtownMinus: Traffic headaches Fort Collins, COPopulation: 141,000 Unemployment: 7.4%Pluses: Outdoor activities, steady economyMinus: School budget cuts Overland Park, … (8 comments)

Denver Metro Area Housing statistics! - 07/11/10 08:29 PM
Denver Metro Area Housing statistics!
The top 10% of the homes, those that sell for over $460K
The top 5% starts at $600K+. 
The top 1% of the most expensive homes sold is those over a million!
 
From 1/1/2008 to 6/30/2010, for all of the sold that was reports in the MLS for the Denver metro area. So that doesn't include Boulder, Ft Collins, Colorado Springs, or the mountain resort areas!
Sales were up in second quarter (2Q) 2010 vs. second quarter (2Q) of last year 2009 is plus (+13%) overall!
The number of REO and bank owned foreclosures sales peaked … (2 comments)

Good news for Denver Metro area Realtors - 07/11/10 02:41 PM
 Good news for Denver Metro area Realtors!
This is a quick analysis for Denver Board of Realtors (DBR).  You might find it interesting! 
In summary, the average income per Realtor is up about 18%!!!!!! Thanks to the tax credits.  Many of us realtors have been beneficiaries of this!  You should try to bank some of it and save it!  The third quarter (3Q) (and possibly the fourth quarter (4Q) will be a little slower than normal.  Many of the consumers that bought in second quarter (2Q) they were taking advantage of the first time buyer and second home buyer's tax credit!
This … (0 comments)

How do you feel and how do you treat your self! - 07/10/10 06:34 PM
How do you see and treat your self?
Give it a read and let me know what do you think?
Love and Appreciate yourself, because if you don't love yourself  you are not loving someone  else!
 Be honest with yourself, and with all others!
 Express yourself truthfully and freely!
 Know that you are abundant  and be carefull!
 Remember humor, have fun, and don't take life so serouisly otherwise you will never come out of it alive!
  Don't forget to take your time to choose wisely!  There's nothing at all greater than or lesser than yourself!
Nothing and no one can/will  harm you unless … (9 comments)

Most common credit reports Myths? - 07/09/10 09:42 PM
Most common credit reports Myths?
 
Here are few of credit reports myths:
 
Paying off my collections account will help me credit report FICO scores goes up?
 
Ounce I pay off my collections account, charge off account, Judgment, IRS or Tax lien, it will no longer impact my credit report FICO scores?
 
If I use my credit cards a lot's will increase my payment history and raises my credit report FICO scores?
 
I need to contact my creditors rather then the credit reporting agencies/bureau every time I think there's a mistake on my credit report?
 
My … (6 comments)

Shares your favorite quotes! - 07/08/10 08:56 PM
 
Shares your favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here is some of my favorite quotes:
 
A true friend never gets in your way unless you happen to be going down.~ Arnold Glasow
 
Doing nothing is very hard to do... you never know when you are done.~Laslie Nielsen
 
A promise is a cloud; fulfilment is rain.~ Arabian Proverb
 
Thank you very much for sharing your quotes!
Adam Malachi
… (5 comments)

Questions and Answers about Credit? - 07/08/10 06:43 PM
Questions and Answer about Credit?
 
Here are few questions always the consumers are concern with!
 
Q, Can a credit reporting agencies/bureau deny my credit loan application?
 
A, No, it's very important for consumers to understand that the credit reporting agencies/bureau do not make the lenders/banks/creditors decisions, they do not approve nor deny you any credit.  They only report your credit information's and sell it to their special subscribers for fees!
 
Q, Is all my information's reported and updated automatically by the credit reporting agencies/bureau?
 
A, No, while the majority of information's is reported automatically to the … (1 comments)

I'm divorcing now. How does that impact the joint account we ounce had? - 07/07/10 04:06 PM
I'm divorcing now. How does that impact the joint account we ounce had?
In the event of dissolution of a marriage (Divorce) all financial obligations incurred during the marriage are the responsibilities of both parties/partners regardless of how each of them contributed to that obligation!
Even if a divorce decree an agreement was made for one spouse/partner to be responsible for certain debts, most likely the creditors will still hold both spouses/partners responsible regardless of the court decree.
During the divorce spouses/partners are encourages to close all joint accounts, stop using all credit cards, and avoid applying for new credit while … (6 comments)

When applying for credit here's the three C's that the lenders/creditors are looking for! - 07/06/10 06:11 PM
When applying for credit here's the three C's that the lenders/creditors are looking for!
 
When a borrowers/consumers applies for credit, the lenders/creditors wants to know whether the borrowers/consumers has the ability and willingness to repay their debts!
The lenders/creditors will considers the three C's in making their decision;
 
1, C, Barrowers/consumers Capacity!
2, C, Barrowers/consumers Character!
3, C, Barrowers/consumers Collateral!
 
Capacity of borrower/consumers:
Fist of all do you have a steady job for the last two years!
What's your salary and how's reliable your income!
What's your current living expenses can you afford the new life style!
How … (6 comments)

What should I do to keep good credit history? - 07/06/10 04:22 PM
What should I do to keep good credit history?
 
Your responsibilities as borrowers/ consumers to keep up your good credit history!
 
You should make sure that you use only 30% or less from your credit cards credit limits, and make your credit limits is at least is $5,000.00 if not call your credit cards companies and ask them to raise your credit limit!
 
You must pay your bills on time every time, because one late payment does hurt your credit!
 
You only borrow what you can afford to repay!
 
Please read and understand any and all … (6 comments)

Shares you favorite quotes! - 07/05/10 01:31 PM
Shares you favorite quotes!
 
Your favorite quote can be  inspirational or otherwise!
 
Here is some of my favorite quotes:
 
The people to fear are not those who disagree with you, but those who disagree with you and  are too cowardly to let you know.~ Napoleon Bonaparte.
 
Motivation is like food for the brain. You cannot get enough in one sitting. It needs continual and regular top ups. ~ Peter Davies
 
The more a man knows, the more he forgives. ~ Catherine the Great
 
Thank you very much for sharing your quotes!
Adam Malachi
… (9 comments)

Shares with us what the 4th of July means to you? - 07/04/10 03:01 PM
Shares with us what the 4th of July means to you?
 
As United States of American Citizens what is the 4th of July means to you?
 
Is it the United States of America Birthday Party?
Is it because of our brave's men's and women's in uniforms past and present sacrifices their lives to defending our Freedom and our way of life and our beliefs?
 
Is it our pride in the United States of America Founding Fathers ideals?
 
Is it the United States of America Celebrations of diversity to all it Citizens?
 
Is it a Patriotic Reflections … (4 comments)

Consumers are scammed daily! - 07/03/10 03:50 PM
Consumers are scammed daily!
Consumer are scammed daily by the following means:
 
Credit repairs, promises of clean up your credits, Deceptive marketing of bill consolidation services and loans!
 
Direct Mail and mail order scams, undeliverable and or unordered goods and merchandise!
 
Internet Scams: Phony auctions, credit card frauds, make-money-from-home offers, misleading rebates!
 
Motor Vehicle sales and repairs scams, unnecessary repairs, misrepresentations, free service inspections!
 
Scholarship scams: money-back-guarantee pitches for help with your college application and financial aid!
 
Telemarketing, advance-fee loans, lottery cons, pyramid schemes, phony investments!
 
Telephone fraud, unauthorized charging of long distance calls … (5 comments)

What's a Credit Report! - 07/02/10 11:30 PM
What's a Credit Report!
 
A credit report is a factual for how we are as an individual repaying our credit obligation now and in the past!
The credit bureaus/ credit reporting agencies maintain computerized records of each and every individual and they sell it for profits to a lot's of businesses and companies!
 
These for profits companies i.e. Equifax, Experian, and Trans Union maybe privately owned and or publicly traded on Wall Street!
 
They collect our information's form variety of sources i.e. Consumers, Creditors, Public Records, External and Internal Inquiries!
 
And distribute our account information's to their … (2 comments)

Face Book security! - 07/01/10 10:00 PM
Face Book security!
If you wants to protect your account on your Face Book and  all your friends phone numbers from falling into the wrong hand, my account was hacked ounce by a dyslexics message!
First go to the top right of your screen, click Account, then click Edit Friends!then go to the left side of your screen and click Phone book for all your friends, Everyone phonenumbers is being published There!
 Please re-post to let  all your  friends know of this change in security..... so they may remove their ...phone...... numbers and  change their privacy settings. ...I found many of … (3 comments)

Fireworks are illegal in the City of Aurora! - 07/01/10 07:42 PM
Fireworks are illegal in the City of Aurora!The sale, use or possession of all forms of fireworks is against the law in City of Aurora. This ban includes retail fireworks stands and the lighting of fireworks that may have been purchased legally outside of the city. Professional fireworks displays conducted by state licensed firework operators are allowed only with proper permits obtained from the appropriate fire protection district!
Fireworks are defined very broadly in the City of Aurora. It covers all forms of fireworks, including bottle rockets, sparklers and snakes. The fireworks ban will be enforced by the Arapahoe County Sheriff's … (0 comments)