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  • Archive for October, 2013

    Shrinking Savings? Not Today!

    Thursday, October 31st, 2013

    World Savings Day was established for 31 October in 1924 by the first International Savings Bank Congress in Italy.  To help the cause of world saving, this blog will be about saving for the future.  After all, as Benjamin Franklin said, a penny saved is a penny earned.  A solid savings plan will help you […]

    Who has access to your credit report?

    Saturday, October 26th, 2013

    On 26 October 1970, Richard Nixon signed into law the work of Senator William Proxmire, the Fair Credit Reporting Act (FCRA).   So in honor of this act, which has been subsequently updated, today we’ll explore who under this law has permissible purpose to view your credit report.  The act allows several organizations besides just those […]

    Willing to Plan for the Worst

    Monday, October 21st, 2013

    The only sure way to clear a credit report completely is death.  Death can be a unexpectedly complicated economic endeavor.  Estate planning is an essential financial issue in need of recognition.  Striking, but not really that surprising, statistics show that over half of American adults do not have a will.  So to recognize this week’s […]

    What Every American Should Know About Credit

    Thursday, October 17th, 2013

    Amid a federal government shutdown and the US national debt approaching 17 trillion dollars, credit and debt in America is a topic of conversation at every water cooler.  October 17th is “Get Smart about Credit Day” in America, and this is the question begged to be answered, “Is the use of credit a smart thing”? […]

    Student Loans, Not Credit Bookworms

    Wednesday, October 16th, 2013

    In honor of Financial Aid Day today, let’s celebrate throwing thousands (sometimes tens of thousands) of dollars at 18 year olds without any credit history!  With education as the reason for the loans, most have thought that totally reasonable.   Recent data suggest an explosion in student loan debt, something that may not be a good […]

    Blunderbuss Budgeting

    Monday, October 7th, 2013

    As this is Financial Planning Week, this blog is about the most important consumer financial planning that there is: budgeting.  This is one of the fundamental principles of personal finance and determines day-to-day life immediately and into retirement.  Yet a shocking 57% of American households function without a budget.  All facets of your financial wellness […]