Michael Raley

Holiday $pending

Salvation Army is putting up a tent to sell Christmas trees. The holiday season is upon us. The advertising has started already. And, the pressure will grow to buy a gift for someone. I can hear it, see it and feel it. Do you? Oh yes, the credit card companies ...

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Credit Cards

Credit cards are now a part of our financial experience. It is not unusual for a person to have as many as five or six cards. They are a great way to manage your money. But, you must be careful on how you use the card and the card requirements. ...

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Credit Cards

Credit cards are now a part of our financial experience. It is not unusual for a person to have as many as five or six cards. They are a great way to manage your money. But, you must be careful on how you use the card and the card requirements. ...

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Tips to improve your credit score

Your credit score is your credit history converted into a numerical value. The higher the score indicates a “good” credit history. A low score indicates a “poor” credit history. In most circumstances, the rate you pay on a loan is determined by your credit score. Ahigh credit score usually means ...

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Read the fine print

There are new schemes to get your money. And, they are not illegal. Here is one that got me. The email proclaimed “a great way to learn a language, used by federal agencies”. It is “faster and easier than Rosetta Stone” and much cheaper. “Order today for only $6.95” and ...

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