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The Wisdom Journal

Wise Choices. Improved Finances. A Better Life.
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How Do I Monitor My Credit?

Jul 19, 2008
As many of you know, I went through the awful experience of having my identity stolen. Identity theft has quickly become one of the top complaints to the Federal Trade Commission and it doesn't show signs of slowing down! Banks used to be robbed, pri...

My Ex-Spouse Cosigned a Loan - Am I Liable?

Nov 30, 1999
There is no magic way for your ex-husband or you to be released from the obligation to repay the loan, despite the claims of late night attorney infomercials.

The Truth About Your Credit Score

Nov 30, 1999
I recently had the great pleasure and honor to conduct an email interview with Barry Paperno from www.myFICO.com. Barry is an expert in the field of credit scoring. My questions were selected from things I personally wondered about...

When To Let Your Life Insurance Die

Nov 11, 2009
If you’ve taken the advice of most financial professionals, you own a term life insurance policy and you insure your life for 10 to 15 times your annual income. Great! But since “term” insurance is good for only a certain “term” (anywhere...

Why Did You Quit?

Nov 10, 2009
It’s okay, we all give up too easily sometimes. You are not alone! It doesn’t matter if it was weight loss, living by a budget, learning to play a musical instrument, blogging regularly, spending time with the kids, learning Spanish, or any one of...

Do You Qualify for the New EXPANDED Homebuyer Tax Credit?

Nov 6, 2009
President Obama is expected to sign a bill today that will encourage people to spend/borrow more money to spur the economy. First time homebuyers have been eligible to receive up to $8,000 as a tax credit since January as part of the economic stimulus...

Insurance Potholes – Where Are the Gaps In Your Coverage?

Nov 6, 2009
An Insurance Pothole? Potholes. The nemesis of drivers everywhere. They appear when you least expect them and they can do some real damage to your tires, your wheels, and even the frame of your vehicle. Potholes need to be filled quickly, before they...

The Top 10 Consumer Credit Events Of 2009

Nov 5, 2009
According to Credit Karma’s CEO, Ken Lin, 2009 has been a momentous year for credit issues – and I have to agree with him. Suddenly, frugality became cool, overspending was out, and consumers put more emphasis on savings and paying down their...

How Do I Monitor My Credit?


The Truth About Your Credit Score



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