Improve Your Credit History and FICO Score

Tired of a VISA rate of 18%? Want to be eligible for low home mortgage rates and 7% credit card interest rates? The first step might be to become better organized so bills get paid on time. In addition, there are many other things you need to do in order to qualify for the best loans and interest rates. Take steps now to improve your credit history. As of early 2007, 5000 college students will be able to obtain their FICO score for free. On the same Web site, I found all the steps ANYONE needs to take to make themselves look better to a lender. Click on: http://www.whatsmyscore.org/

Learn and Grow: PracticalMoneySkills.com

When I find a great Web site, I want to share it with my readers. This time it's http://www.practicalmoneyskills.com . Years ago, it wasn't much to look at. Now it's jam packed with plenty of well written, basic, step by step lessons. You'll be learning something new and applicable every week! Take some time and scour this website. There are lots of different lessons and categories; make sure you sign up for the free newsletters. Eventually you will graduate onto another site that is a little more complicated and advanced. Or, maybe you will do like I do, which is to spend a few minutes every day exploring Yahoo Finance and MSN Money - then, maybe like me, you will get inspired and then google a specific topic to find out more. (LOL) O.K., so the few minutes turn into an hour - but HEY!...at least it's not wasteful time. This is what learning is all about - exploring. We wander around the Internet, looking for the best information, researching, wanting more encouragement and motivation... all the while discovering new ways to make our money work better for us! Yes, baby steps always lead to something bigger and more challenging. This is the way we learn as children, and this is the way we grow as adults - some things never change.

"The Secret" and The Law of Attraction:

In 2006 a friend turned me onto the DVD called The Secret. It's all about the Law of Attraction which states that whatever you put out in the universe you will get back. Some people explain it by saying that in order to accomplish a goal you need only to ...."Think and Believe to Achieve". Last year copies of the DVD were sold without mass marketing; the lady who read coined the term "The Secret" is a marketing genius. She studied and became a real believer that "we are what we believe". She took a concept from hundreds of years ago, updated it, and created something huge. Recently, Oprah devoted two days on her show to The Secret, and today you find the DVD and book everywhere you look. Bookstores sell it for about $38; the book is less.

SO, is it worth it? I believe you will have to decide for yourself. With that said, I will tell you this: Too many people think negatively and paying attention to what this law states could very well help someone achieve greater things out of life, and money. I permitted 13 of my workshop participants to watch it not long ago; 12 people gave it 5 out of 5 points. The 13th person gave it 3 out of 5, but said he would strongly recommend it to other people. Several people told their officers it was "life changing", but you can decide for yourself. If you took my workshop and want to watch it, give me a call and I will set you up, free of charge.

Chase interest rates using online calculator:

I am always wondering how much more money I could make by moving my money from a 4.5% APR savings account...to one earning 5%. I finally located a calculator on someone's blog that can estimate these additional potential earnings. Try it out and see if your bank is really doing you justice! His blog site is also packed with lots of other solid money tips for good credit card bank rates, and more.

http://www.mymoneyblog.com/archives/2006/10/the-ultimate-interest-rate-chaser-calculator.html