Remar's Report

Protecting Your Credit and Credit Score in Today’s Economy

credit_report.jpgSeptember 2009

The economic fallout from the national credit crisis and recession has been hitting personal finances hard in recent months. Many consumers are facing tightened credit availability as they seek a mortgage or car loan. Credit card companies have been lowering credit limits and closing accounts at record levels, even for customers with good credit, in an effort to recover from past losses and reduce future risk exposure. Meanwhile, layoffs continue and our collective sense of job security is lower. Even though some recent economic indicators have been positive, economic recovery is still a way off. Smart consumers know that protecting their credit and credit score in this uncertain climate is very important. In this report, we’ll look at some expert recommendations for achieving that goal.

 

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Job Hunting? Tips to Avoid Job Search Scams

job_search.jpgAugust 2009

Today’s recession has made for a tight job market. In addition, high unemployment rates add more pressure. This stressed climate in the job market attracts scams and fraudsters seeking to take advantage of people anxious to land a job. Because so many job search activities have moved online, many of the scams also come to you online. This month’s report describes some of the most popular frauds and offers tips to help you avoid these traps.

 

 

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Using Credit Cards Wisely During Today’s Tough Economy

July 2009

Used wisely, credit cards enable consumers to manage cash flow and leverage their overall buying power. Today’s tough economic times, however, have put pressures on financial institutions, businesses, and individual consumers. These pressures have given rise to ongoing changes in credit card account terms and rates being made by a number of card issuers. Such changes may in turn increase financial pressures on many card holders. Cash-strapped consumers squeezed by higher costs or employment woes may be tempted to bridge cash shortfalls by charging expenditures, even for necessities such as food and gasoline. The resulting cycle of increased debt can be down right dangerous to personal financial stability. This report provides some strategies for using credit cards wisely in today’s tough economic circumstances.

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Go Green at Home – and Save

rain_barrel.jpgJune 2009

Saving money is a top priority for most people these days. Yet, most of us also want to do our best for the environment. Taking steps that help you go greener at home and also save money is a win–win goal. So in this report, my team and I have pulled together a variety of easy, practical tips. Add at least one new green, money-saving practice each week, and over time your wallet and the planet will say thank you!

Lighting. Incandescent light bulbs lose about 90% of the electricity they use as heat. Replacing incandescent bulbs with compact fluorescent light (CFL) and LED bulbs can reduce your electricity bill. Even though CFL and LED bulbs are more expensive than incandescent bulbs, they are more efficient and last longer. To avoid problems, however, you must choose the correct bulb for an application because CFLs and LED lights can burn out quickly when used in the wrong place. For example, a regular CFL “coil” light placed in a can light or an enclosed fixture typically will burn out rather quickly—a waste of your money. Excessive heat can also cause LED lights to burn out. Learn more about CFL and LED lighting at the energystar.gov site.

 

 

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Handling Debt and Credit Problems the Smart Way

past_due_bill.jpgMay 2009

The news headlines have been telling the bad news for months: financial crisis, job losses, recession, and record foreclosures. Millions of people have been affected financially by the current economic conditions. If you are facing debt or credit difficulties, how you handle matters to resolve the issues can make a big difference. This month's report provides some tips to help.

If you are facing difficulties, take prompt action.

At the first sign of financial difficulties, you should take immediate steps to get on the path to financial recovery. The earlier you start, the more options you have.

 

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