How to Check Your Credit For Free

Many of us never bothering checking our credit. Why? Because we feel like we’ve gone through a few rough patches; maybe defaulted on a loan, have a past eviction, or even stolen a few items from a rent-to-own business and the credit world has flagged us for life. This is why leaning how to check … Continue reading “How to Check Your Credit For Free”

Many of us never bothering checking our credit. Why? Because we feel like we’ve gone through a few rough patches; maybe defaulted on a loan, have a past eviction, or even stolen a few items from a rent-to-own business and the credit world has flagged us for life. This is why leaning how to check your credit for free will give you an overview of where you stand with your credit and see how bad it really is or isn’t.

First, let me say that you shouldn’t just assume you have bad credit. If you had a problem with not paying your bills, collections, or even judgments against you that does not stay on your credit report forever, so don’t just assume you can’t get credit because of your past.

Many sites will tell you to contact the creditor and pay off your old debt, but what the smart people will tell you is check to see how long ago your bad debt was reported to the credit bureaus. After seven years, many items will fall off of your report and while it is the honorable thing to contact your creditor and pay it off, the smart thing to do, especially if you don’t have the extra cash is to let it disappear into the sunset and be gone forever. Just remember, to never try to get credit from the company again because they will remember and turn you down flat.

One fantastic and free way to check your credit is through the credit monitoring sites like Credit Karma. Now this is not an advertisement for the website, but simply letting you know that by entering your personal information, you can get a full account of who you owe, how old the debt is, and how much they’re claiming you owe.

This site, like many others will offer suggestions based on your credit score, which they will provide to you, what credit you will likely qualify for. The forum is filled with others just like yourself who have had ups and downs with credit, so you will know what to expect before applying.

The truth is, some individuals are just afraid to check. They again, assume their credit is horrible so they result to having no bank account (due to bounced checks), no credit cards (due to defaults), and end up using the local check cashing brick and mortars and prepaid debit cards, both of which you have to spend money to have access to. This is just crazy to spend money to add money to a prepaid card, or to pay 3-5% to cash your paycheck.

If you’re ready to get your credit together and are able to use credit responsibly, now is the time. Once you’ve signed up and reviewed your situation, try the shopping cart trick to see if you qualify for department store credit cards. You can find this information at My Sista Gurl and see how easy it is to get cards like Victoria’s Secret, The Avenue, Gap, and more without a hard inquiry on your credit report.

Kimberly Best, freelance writer, has ghostwritten content in several different niches. If you need content for your web pages or help creating an E-book; let Kimberly express your thoughts through her writing.

Home Improvements – Summer Home Maintenance Checklist

Summer is a great time to take care of some of those home maintenance items that can sneak up on you when you’re not looking. Here’s a handy list of things to add to your job jar:

Maintain your lawn and garden tools:

Sharpen the blades, change the oil, and replace the filters on your lawn mower. Make sure your weed trimmers are in good condition. Oil garden tools and sharpen blades.

Inspect the locks on your doors and windows:

Make sure your home is safe and secure. Oil any sticky locks and consider a home security system. Outdoor lighting adds appeal to your home and can increase security.

Inspect Exposed Plumbing:

Check under your sinks and anywhere you can get access to exposed plumbing. Make sure there isn’t any dampness that could indicate a small leak in the plumbing.

Inspect for termites and other pests:

Inspect the basement or crawl space, eaves, and attic for termites, carpenter ants, and other wood pests. If you see signs of wood damage, call a professional exterminator. Look under the eaves for wasp or hornet nests. Handle wasp or hornet nests with care and call in a professional if necessary.

Patios and porches:

Clean the barbecue and hose down brick or concrete patio surfaces. Replace any broken bricks and patch concrete cracks. Wash outdoor or screened-in porch floors. Plant annuals in pots, or replant existing planters. Lubricate patio doors. Bring out and clean up your patio or porch furniture.

Complete painting projects:

If you’re painting your house yourself, wash your house first using a home cleaning formula. Scrape off crumbling paint, smooth rough areas with sandpaper, and fill in damaged areas with a best-quality filler. Choose the best paint you can afford. Prime any bare patches with a quality exterior alkyd primer before completing the job with an acrylic latex paint.

You might consider schedule interior painting projects too because warm temperatures allow for better ventilation and quick drying times.

Build or repair fences:

Repair any damaged areas of existing fencing and refinish as necessary. If you’re building a new fence, look carefully at the increasing variety of fencing materials. Make sure your fence complies with local codes and doesn’t encroach on city or neighbouring properties. Be sure to call your local natural gas utility or Call before You Dig agency to make sure you don’t have an accident and hit an underground gas line or other buried utility.

Inspect siding:

Check siding and trim around windows and doors for holes, dents, and gaps. Repair with wood filler or according to manufacturer’s instructions. If your home’s siding needs to be replaced entirely, summer is the best time for this one- to two-week project. Make sure you are aware of all the new choices in siding materials.

Garage Doors:

Now’s a great time to lubricate the tracks on your garage doors.

Replace your roof:

If you need a new roof, have it installed during summer’s warm, dry weather. Consider fire-resistant roof material if you live in an area prone to wildfire and if your current roof is not fireproof. Look for a reputable company that offers a good warranty.

Repair and seal driveways:

Renew the surface of asphalt driveways with sealer. Repair damage to concrete driveways as soon as possible (this project may require a professional).

How to Check Your Credit For Free

Let’s begin with the question; why are agency values important? Agency values are important because they will likely determine the success or failure of your agency. Now that gets my attention.

Whenever the success or failure of a business venture rests on one concept, it warrants the time and effort to understand what’s behind the question; what focus or concept do we believe will best produce the result we desire. So, one might ask; just exactly what are some agency values.

To begin, Values are what drives effort and effort is what produces results, good or bad. Effort in the wrong places seldom produces the right results. So there are really two things here that are important-Effort and Direction. While both are important, Effort comes first-you gotta have some before you can direct it. Today we are only talking about Effort, Direction is for another day.

An example of how values drive Effort is often and most visibly played out in sales. A lot of sales activity (Effort) often produces more sales but possibly not the right sales (Direction). Now here is the exciting part-You can really, control your effort by choosing the right Values and matching the talent of new hire to those Values. The key here is to understand that people work to satisfy their values, not yours and don’t try to put into someone something that is not already there. All that boils down to looking for and hiring people who have values that match the agency needs.

So now it is beginning to get clear. Why do we want to know your agency values? Answer; so you can hire people with values similar to those of our agency. Now what are some agency Values of importance?

1. Theoretical Values- those who value knowledge and continuous learning or intellectual growth.
2. Traditional Values- those who value the tradition inherent in social structure, rules, regulations and principals.
3. Utilitarian Values- those who value achievement, results, and rewards for their investments of time, resources and energy.
4. Individualistic Values- those who value personal recognition, freedom and control over their future and the future of others.
5. Social Values- those who act to enhance the well-being of others.
6. Aesthetic Values- those who pursue a balance in their lives, who are creative, self-expressive and have a love for beauty and nature.

5 Financial Freedoms You Must Protect

We’ve all dreamt about the day we can retire, the free time we’ll have to find a new hobby, travel to a new place, or simply, do nothing but sit and relax. But in order to enjoy the retirement years like you want to, you’ve got to plan ahead. In particular, you need to protect five financial freedoms. They are:

1. Guaranteed Income

Have you taken the steps today to secure your financial future: for yourself, your spouse and your family?

Remember when you retire, you won’t receive a regular paycheck. Not having that steady income may come as a shock. You may start to panic as you begin to dip into savings for daily expenses. You may need to live on a strict budget. You may end up needing to find a job. And, if you decide you need to return to work, it most likely won’t be in a full-time position with a full-time salary.

As you think about retirement, you need to realize this: the day you stop working is the day you surrender your guaranteed income. However, by developing a strategic plan now with your financial advisor you ensure that your financial situation is set up so that you can enjoy your retirement years worry free.

2. Travel

The number one thing most people want to do when they retire is travel. In fact, retirees are in the top 3 groups of travelers in the United States and spend about 20% of their retirement income just on travel.

It shouldn’t be a surprise that retirees are on the move. They have the freedom to take vacation whenever they want since the job isn’t tying them down anymore. However, the question that needs to be asked is that as retirees, while you may be able to pack up and go whenever you please, do you have the financial freedom to do so? How can you fulfill your dream of visiting new locales in America or around the globe if you live on a fixed income?

By working with your financial advisor, travel is possible. Together, you can create a retirement plan that includes travel in your financial future so that you don’t need to give up your desire to explore the country and even the world.

3. Legacy

As parents, your instinct is to take care of your children even when they become adults with kids of their own. One of the most important ways you can do this is by giving an inheritance to your kids once you’ve passed on.

While you have many years of making memories with your family, now is the time to make sure you’ve invested your money wisely. Making wise choices means considering the various tax benefits that different financial options have to offer. I know it can be confusing and frustrating to compare the options available to you, and that’s why it’s a good idea to turn to a financial advisor to counsel you on these important decisions. Your family’s well-being is at stake.

4. Autonomy

Life prepares us to be independent, doesn’t it? Sure, at first, we depend on our parents to care for us, to protect us. As we grow older, we build our independence. We start our own families. We become the providers.

However, during the retirement years doubt may begin to creep in about your ability to live autonomously. Without a steady stream of income, you start to wonder if you need to find a job or whether you can afford to live on your own. Talking with your financial advisor and planning for your future can alleviate these doubts and give you peace of mind knowing that you can continue to live the independent life you want.

5. Choice

When you think of retirement, a number of things come to mind, particularly a list of all the things you want to do and the age you want to retire. However, one vital piece of information that you may not have thought about is how much you’ll need to retire AND live comfortably. If this describes you, talk with your financial advisor today. Believe me, you don’t want to wait until you’re close to your targeted retirement age because you might discover that you’ll need more to live the retirement lifestyle you want. Your financial advisor will work with you to make sure you’re saving enough now so your dream lifestyle can be your retirement reality.

10 Steps To Reduce Your Debt: Do-It-Yourself Debt Reduction

Getting into debt is easy and worrying about it won’t do much in relieving you from your debt. The best you can do when you have already run into debt is to start working towards reducing or clearing the debt and staying out of debt in every possible way. You can find your own strategy to deal with the debt, but there are several DIY debt reduction strategies and tips you can use to get over your financial woes.

1. Evaluate the debts. Start by collecting all financial documents and printing credit reports so you know exactly where you are with the debts. Most times people get scared just thinking of how hefty the debts are but you will never know until you take the courage to evaluate the debt so you can start somewhere with the recovery. Include all personal loans, auto loans, credit cards and payday loans in this evaluation.

2. Check your current earnings and budget. With the clear debt information, you then must start working towards debt reduction. Calculate the monthly income you get after taxes and basics like mortgage or rent, groceries, utilities and insurance. This way, you will get to find out how much you can spare for paying off the debt.

3. Find ways to increase pay off amounts. Sometimes when you subtract all basics from your income, you might find that you have very little amount left you can use on the debts. If the amount is too small, try and come up with ways through which you can reduce spending. Carpooling is one of the temporary methods you can use to cutback the expenses.

4. Create a plan. Now that you have some money to use on the debts, create a plan of how you are going to handle the debts and pay off. Will you start with one debt or pay a little every month for every debt you have? You might find it helpful to start with debts with highest interest rates or highest balance.

5. Negotiate repayment with your lenders and creditors. Agreeing to negotiate terms will be a plus to your credibility and your lenders or creditors will be more than willing to strike a deal with you.

6. Keep up with the debt reduction plan. Commitment is your only ticket out of debt so keep up with the plan.

7. As you continue with the repayment plan, avoid adding any more debts on top of what you already have.

8. Find better ways to deal with your financial issues besides getting loans. You can for instance, avoid making purchases for those that are not urgent.

9. Leave your credit card at home when going out unless you are going shopping. It will keep impulse buying at bay. In case you are going to shop, make a list of everything you need and stick by it no matter how tempting things in the store appear.

10. In case you take up a loan again, be consistent with your repayment and avoid piling loans. Try and have one loan at a time.