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Money & Careers Articles
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A credit score for those with no credit history Lenders are being offered a new scoring process for people with little or no credit history. These are usually young people, recent immigrants, and low-income individuals. The new scoring plan will make it easier for them to get credit cards and loans without paying high interest rates.
Fair ... Read On  |
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Driving down real estate commissions Many home sellers are looking for ways to avoid the common real estate commission of 6 or 7 percent. That percentage translates into a fee of more than $10,000 on the sale of the median-priced U.S. home.
One reason commissions are high: The value of the median home in the U.S. has risen to ... Read On |
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When to make extra mortgage payments Many people routinely add $100 or $200 to their mortgage payment each month. It's a good feeling to know they are closer to paying off their home or apartment. For some of them, however, it may not be the best move, financially speaking.
Those whose mortgage interest is tax-deductible, should ... Read On |
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Are you sad? Don't buy or sell! Behavioral economists at Carnegie Mellon University in Pittsburgh have found that people are not the logical decision makers that textbooks say they are.
Some of their findings:
* People who are feeling sad are less likely to negotiate for a lower price. (It's not a good time to buy a ... Read On |
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Staged auto accidents are on the rise In this crime, criminals maneuver innocent drivers into car accidents, then make large claims for damage and faked injuries.
The "accidents" impact them three ways.
1. Victims can be injured, terrorized, or killed when the "accident" goes wrong.
2. Their auto insurance rates rise, or ... Read On |
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Bike commuting is dirt cheap and healthy If you live in a city, you are probably driving to work and paying to park once you get there. One driver in Seattle pays $220 a month to park in the city.
Even if you don't have big parking costs, it would be nice to save on auto expenses, wouldn't it?
More than 500,000 Americans think ... Read On |
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Identity thieves ruin lives: Protect yourself Last year 10 million Americans were victims of the fastest-growing crime in the country. The number of identity thefts has been doubling every year since 2000.
Sometimes people don't know what happened until they find big charges they didn't make on credit cards, begin getting calls from debt ... Read On |
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Eight tips on how to save energy this summer These tips can make any home more energy efficient this summer.
1, Seal it up. Insulate the attic; stop air leaks; install energy efficient windows when it's time to buy new ones.
2, Plant trees. Carefully positioned trees can save up to 25 percent of a household's energy consumption. Plant ... Read On |
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