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Jeanette Fisher's Articles Display Category|Title|Newest|Oldest Price Flight - Californians Revitalizing Downtowns For decades, California has been known as a land of lots of cars and long commutes--commutes that turn freeways into endless parking lots. But with the price of gas heading above $3.00 a gallon, even Californians are beginning to look into the possibility of living closer to downtown areas. The trend toward revitalizing downtown areas isn't new. Witness the rebirth of such downtowns as Detroit, Michigan, or Portland, Oregon. But Californians seemed to buck that trend, cont... Good News For The Environment As Earth Day 2006 passes, there seems to be good news on the environmental scene, which should come as welcome change to anyone concerned about the state of our Earth. That's in stark contrast to the first Earth Day, back in 1970. Earth Day 2006 saw lakes in New England beginning to rebound from their sorry condition after being bombarded by acid rain for decades. The acid rain itself has decreased, as well, and the sulfur dioxide and nitrogen oxides that comprise most of ... A Beginner's Guide To Real Estate Investing Strategies If you're thinking about investing in real estate to make money, you need to first determine your financial goals. Do you need to make money quickly, invest for your children's college fund, or build wealth for your retirement? Once you determine your financial goals, you need to decide which type of investing strategy works for you. Make Money in Real Estate - Fast Cash Strategy If you're low on cash, get started by finding a bargain house and selling the contract to a... How To Get Started Investing In Real Estate If you want to make money investing in real estate, you have to begin with a plan. Here are some ways to get started investing in real estate. Choose a plan that works for you. If you don't currently own your own home, that's the best place to start. Many people never buy a home because they think they have to have perfect credit or a lot of money down. Talk to a mortgage loan officer. You may be surprised that you can buy a home with little money down. Homeowners Are R... What Does FICO Mean To You? Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness? The acronym FICO actually stands for Fair Isaac Company, which was the company that originally created a mathematical model for the credit reporting company Experian. FICO was designed as a tool that could be used by creditors to evaluate the ... How To Establish Credit It's been a Catch-22 dilemma, especially for young people, since the dawn of the Credit Age. You want credit, but you can't get credit because you've never had credit before. It's a situation everyone faces as they begin to try to become creditworthy. In order to qualify for a credit card, you must me at least 18 years old (or 21, if you're a permanent resident of Puerto Rico). From then on, the rules get more complex and are subject to interpretation by credit card issuer... Immediate Steps To Improving Poor Credit Credit can be a wonderful thing, but it can also be a dangerous pitfall, with disastrous results, when it gets out of control, even it happened through no fault of your own. If you find yourself overextended, here are some ideas for improving your credit. The first step is to acknowledge your dilemma. Denial is a natural reaction, but you absolutely must face up to the fact that you're in trouble, and begin to work your way out of it. Don't ignore your bills. That won't ac... Need Credit Repair Help? Try Doing It Yourself! No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an investigation of anything you find in your credit file that you believe to be either incomplete or inaccurate. That is perfectly legal, and can be done at NO cost to you. In fact, anything that a credit repair company offers to do fo... The Credit Repair Organizations Act (CROA) And You If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it. Only the passage of time will guarantee that information's ultimate removal from your file. The reporting companies will generally list negative credit information for seven years, and bankruptcy information will remain on your report for ten years. The time limits generally begi... The Fair Credit Reporting Act (FCRA) And You Your credit report gets viewed by other people besides credit grantors. Potential employers and insurance companies can deny you employment, auto and home owner's insurance based on your credit report. Understand your rights protected by The Fair Credit Reporting Act. No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it... Credit Card Debt If you can't sleep at night because of credit card debt worries, you're not alone. Many people get in over their heads charging things they think they can't live without. You don't need to cut up all of your credit cards. Save your major bank cards, but stop charging needless temptations on them. You need a couple of major bank credit cards to maintain or build strong credit scores. The credit cards you should cut up, department store credit cards, cost you too much in ... Holiday Decorating Tips: Christmas Candles How to Light Up Your Home for Joy Do you love the winter holiday season or does this time of year cause you stress? One way to lower your holiday stress, using fewer decorations, decreases your "just have to much to do" list. However, you still want to display Christmas candles because these decorations bring smiles to you and your loved ones. As days grow shorter and cooler and the suns sets earlier, people naturally crave the warmth and comfort of light, especially na...	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