There are a lot of factors that go into making up your credit score, from how often you pay your bills on time to the age of your various accounts. When you’re trying to clean up your credit report, knowing which areas to focus on can make the credit repair process much easier and go [...]
Tags: Credit Score, Score
Posted January 11, 2012 by John Wane under Financial Guru
Parole Board 1: ”That name is ‘recidivism.’” Parole Board 2: ”Repeat offender!” Parole Board 1: ”Not a very pretty name is it, HI?” HI: ”No sir, that’s one bonehead name, but that ain’t me no more.” Parole Board 1: ”You aren’t just telling us what we want to hear, are you?” HI: ”No sir. No [...]
Tags: Name, Name People
Posted January 3, 2012 by John Wane under Financial Guru
We never think that the very impressive man or woman describing a promising investment is really an investment criminal trying to steal our assets. Our brains are wired such that the thought doesn’t occur to us. But, even if you are fully aware of the very real danger from folks who don’t “seem” dangerous at [...]
Posted November 25, 2011 by John Wane under Financial Guru
Have you become a victim of identity theft or identity fraud? If so, you are not alone; nearly 1 in 10 Americans have felt the stab of identity victimization. Even if you are fortunate enough to have escaped the first-hand knowledge of the consequences of having your bank accounts ripped off and your social security [...]
Tags: America, Identity Theft
Posted November 17, 2011 by John Wane under Financial Guru
“Thousands of people flooded into credit unions and small banks over the weekend as part of Bank Transfer Day, an effort to prod depositors to abandon giant banks. But at least some of the big banks wont mind losing those customers.” “Credit card issuers are bumping up their rewards for the holiday shopping season as [...]
Tags: Credit, Credit 111111
Posted November 8, 2011 by John Wane under Financial Guru
Late Friday, Priceline released its annual list of the top 50 North American travel destinations for the Fourth of July weekend. The online, discount-travel company said it believes that its list is one of the most accurate predictors of July 4th travel trends since it is based upon hotel room booking request made by its [...]
Tags: July, Top 50
Posted November 3, 2011 by John Wane under Financial Guru
I investigated a couple of prime bank frauds at the SEC. We made both cases, filing charges that stuck. And I naively thought that the publicity about the scam would bury that type of swindle forever. But that was before I knew what I know now about how the human brain operates. Had I understood the limits [...]
Tags: Public
Posted October 29, 2011 by John Wane under Financial Guru
There are several significant items in our weekly report today, so let’s jump right in with the first one. The National Credit Card APR average jumped from 14.97% week before last to a full 15.00% last week. Note that it’s done nothing but stay level or increase since our reports began, so be sure [...]
Posted October 23, 2011 by John Wane under Financial Guru