I spent the weekend in Atlanta at John Ulzheimer’s GetCreditWise seminars. Georgia has the highest per capita foreclosure rate in the country and the fourth lowest credit scores in America. While I was there, I talked to people who were trapped in dangerous ARM mortgages and a mortgage broker who recently saw her sponsoring bank go out of business. From that perspective, the future for the real estate market looks pretty bleak.
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Credit-card-mania has taken over Capitol Hill! All this talk of late fees, over-limit fees, double-billing cycles, universal default clauses, retroactive interest rates and foreign currency conversion fees has my head spinning! What do you think about Congress’ new interest in the credit card industry? Take our online survey today
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Tuesday’s survey results from TrueCredit.com are still nagging me. Do 63% of consumers really not know their credit score? They can’t even guess where they stand on the traditional 300-850 scale? I guess I am a credit geek, but this just seems really surprising to me. Let’s put it to a vote, readers. Do you know your credit score? Where does your score stand? Take our online survey today:
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As a personal finance writer, I am having so much fun with the new congress! It’s only been a few weeks since the 110th congress took power but already we’ve seen action on the credit bureau dispute process, health care costs, IRS collection agencies, reverse mortgages, student loan interest rates, health care costs, Social Security number privacy and more. It’s hard to keep up with all these exciting new consumer finance developments!
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It’s been almost three weeks since the start of the New Year. We’ve been talking a lot about financial resolutions on the blog during this time. On January 2nd, we took a poll to see what financial resolutions were the most popular this year. You chose boosting savings and investments as your top goal; followed by getting out of debt, planning for a home purchase and improving your credit scores.
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Now that Black Friday and Cyber Monday have passed, most of us have probably at least started on our holiday shopping. I have about 40% of my gifts purchased and mostly from online stores. Although I don’t have a detailed budget, I have a good idea of how much I am going to be spending on gifts this year. What is your holiday gift budget for 2006?
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Did you vote yet today? Here in California, voters faced an extremely long ballot full of propositions and local measures. I voted this morning on cigarette taxes, school bonds, parking tax ordinances, teleconferencing policies and rules requiring the mayor to attend board of supervisors meetings. My final ballot was ten pages long!
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The New York Times article that exposed RFID security loopholes on Monday seems to have everyone worrying about their credit card privacy. We discussed the issue earlier this week and showed you three easy ways to block unwanted RFID readers. Now, let’s see what you really think about this issue!
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Everyone faces their own unique financial challenges. It could be that you struggle to make ends meet or that you are worried about your credit score. My own challenge is how to best to save and invest my money. Buying a home is an expensive proposition out here in San Francisco, so I have to come up with different ways to save and earn tax breaks.What is your biggest challenge?
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The holidays are just around the corner and many people are starting to think about taking vacations. I’m starting to plan a trip to Thailand myself! I’ve been saving money each month that I’ll use to pay for this big trip. But not many people finance their travels this way. Credit cards, even with their 3% currency conversion fee, are a popular way to pay for a vacation. How do you pay for vacations? Take our online poll!
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