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March 14, 2011
Credit Card Accountability, Responsibility and Disclosure (CARD) Act.

CARD legislation affects all credit card consumers starting in 2010. This act goes into effect in February 2010. Changes resulted from this act are intended to make it easier for you as a consumer to manage your credit card accounts.

CARD legislation affects all credit card consumers starting in 2010. This act goes into effect in February 2010. Changes resulted from this act are intended to make it easier for you as a consumer to manage your credit card accounts.

While each credit card company will respond with its own changes to address this legislation, here is the brief summary of what to expect.

 

 

 

 

March 10, 2011
Understanding Your Credit Score Aka FICO Score

Credit score rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are formulated to produce a three-digit score between about 300 and 850.

March 7, 2011
Asset Allocation Strategies

Smart investing is the key to financial success and proper asset allocation is a big part of smart investing. You have to properly allocate assets to develop a sound investment strategy that will help you achieve your goal with a good mix of asset allocation and diversification.

Smart investing is the key to financial success and proper asset allocation is a big part of smart investing. You have to properly allocate assets to develop an investment strategy that will help you achieve your goals with a good mix of asset allocation and diversification. That means having different types of investments, such as stocks and bonds, as well as having a mix of investments in different sectors or industries.

February 21, 2011
What Factors Affect Your Credit Score?

Credit rating systems all have the same objective, to determine the borrower's potential risk. Regardless of whether the score was generated by FICO or a system based on FICO parameters, they all yield an industry standard three-digit score. 

Credit rating systems all have the same objective, to determine the borrower's potential risk. Regardless of whether the score was generated by FICO or a system based on FICO parameters, they all yield an industry standard three-digit score. This score places the borrower in one of three main categories - Prime, Sub Prime and at Risk.