Comments for How to Save Money, Reduce Debt and Manage Credit Cards | Personal Finance Expert Scott Gamm | HelpSaveMyDollars.com http://helpsavemydollars.com Fri, 18 May 2012 08:35:00 +0000 hourly 1 http://wordpress.org/?v=3.2.1 Comment on Raise Your Credit Score With These 3 Tips by Offshore Merchant_Account http://helpsavemydollars.com/raise-your-credit-score-with-these-3-tips/comment-page-1/#comment-738 Offshore Merchant_Account Fri, 18 May 2012 08:35:00 +0000 http://helpsavemydollars.com/?p=2636#comment-738 Thank you for those tips, they are great. $50 charged on credit monthly is I think not realistic. To maximize the use of your credit card, I suggest charging to it your recurring monthly payments such as  electric bills, phone bills and insurance premiums. Just to give your readers an overview, this is how credit score is solved (according to Fair Isaac) 35% - history on payments 30% - kind and amount of debt 15% - length of your credit history 10% - based on new credits 10% - various types of credits. And just as what you said- higher credit score means lower auto insurance rate, lower loan rates and mortgage rates. It definitely pays off to do what's right. Best regards, Belinda Thank you for those tips, they are great. $50 charged on credit monthly is I think not realistic. To maximize the use of your credit card, I suggest charging to it your recurring monthly payments such as  electric bills, phone bills and insurance premiums.

Just to give your readers an overview, this is how credit score is solved (according to Fair Isaac)

35% – history on payments

30% – kind
and amount of debt

15% -
length of your credit history

10% -
based on new credits

10% – various types of credits.
And just as what you said- higher credit score means lower auto insurance rate, lower loan rates and mortgage rates. It
definitely pays off to do what’s right.

Best regards,
Belinda

]]> Comment on A High Credit Score Means More Savings by Offshore Merchant_Account http://helpsavemydollars.com/a-high-credit-score-means-more-savings/comment-page-1/#comment-737 Offshore Merchant_Account Wed, 16 May 2012 03:41:00 +0000 http://helpsavemydollars.com/?p=2672#comment-737 Yes, a high credit score can be a huge savings! High credit score means low mortgage interests, low insurance rates and other financial rates. A post from <a href="http://www.thefrugaltoad.com/personalfinance/the-effect-of-fico-credit-scores-on-wealth-creation/" rel="nofollow">thefrugaltoad.com</a> presented a very detailed calculations on saving $50,000 in a 30-year fixed mortgage if one has high credit score. That's a huge amount! It pays to be diligent and on time on paying dues. Warmly, Belinda Yes, a high credit score can be a huge savings! High credit score means low mortgage interests, low insurance rates and other financial rates. A post from thefrugaltoad.com presented a very detailed calculations on saving $50,000 in a 30-year fixed mortgage if one has high credit score. That’s a huge amount!

It pays to be diligent and on time on paying dues.

Warmly,
Belinda

]]> Comment on Personal Finance by kevinqu http://helpsavemydollars.com/money-list/comment-page-1/#comment-726 kevinqu Sat, 07 Apr 2012 05:12:00 +0000 http://helpsavemydollars.com/?page_id=921#comment-726 hey, this stuff is awesome i saw you around nyu, do you go to school there? hey, this stuff is awesome
i saw you around nyu, do you go to school there?

]]> Comment on Expense Calculator by Alvin Estes http://helpsavemydollars.com/expense-calculator/comment-page-1/#comment-723 Alvin Estes Mon, 12 Mar 2012 11:47:30 +0000 http://helpsavemydollars.com/?p=368#comment-723 Where am I now? Input all of your current monthly expenses. If something doesn't fit in the below categories, add it into the "miscellaneous" total. This is a good snapshot of your outgoing cash-flow. Where am I now? Input all of your current monthly expenses. If something doesn’t fit in the below categories, add it into the “miscellaneous” total. This is a good snapshot of your outgoing cash-flow.

]]> Comment on College Graduates: Become Debt Free For Life by credit card debt consolidation http://helpsavemydollars.com/college-graduates-become-debt-free-for-life/comment-page-1/#comment-711 credit card debt consolidation Wed, 18 Jan 2012 08:18:13 +0000 http://helpsavemydollars.com/?p=1972#comment-711 <strong>Read was interesting, stay in touch…...</strong> [...]please visit the sites we follow, including this one, as it represents our picks from the web[...]…... Read was interesting, stay in touch……

[...]please visit the sites we follow, including this one, as it represents our picks from the web[...]……

]]> Comment on Textbooks by alomoney.com http://helpsavemydollars.com/textbooks/comment-page-1/#comment-709 alomoney.com Sun, 15 Jan 2012 06:20:19 +0000 http://helpsavemydollars.com/?page_id=1048#comment-709 Great. I am new here but will be visiting more often as you have done a good job. I think this is a good article. Thanks Great. I am new here but will be visiting more often as you have done a good job.
I think this is a good article.
Thanks

]]> Comment on Scott Gamm on NBC’s Today Show by Daniel Milstein http://helpsavemydollars.com/scott-gamm-on-nbcs-today-show/comment-page-1/#comment-706 Daniel Milstein Thu, 12 Jan 2012 02:29:08 +0000 http://helpsavemydollars.com/?p=2329#comment-706 That is so true Scott. As an author and business man, I can relate to what you had said. I hope more people discover your blog because you really know what you're talking about. Can't wait to read more from you! That is so true Scott. As an author and business man, I can relate to what you had said. I hope more people discover your blog because you really know what you’re talking about. Can’t wait to read more from you!

]]> Comment on Stores To Open EARLY on Black Friday by HelpSaveMyDollars http://helpsavemydollars.com/stores-to-open-early-on-black-friday/comment-page-1/#comment-638 HelpSaveMyDollars Sat, 19 Nov 2011 01:15:00 +0000 http://helpsavemydollars.com/?p=2461#comment-638 Thanks for your comment! Thanks for your comment!

]]> Comment on The Truth About Holiday Shopping Layaway Programs by Scott Gamm http://helpsavemydollars.com/the-truth-about-holiday-shopping-layaway-programs/comment-page-1/#comment-612 Scott Gamm Tue, 08 Nov 2011 03:04:00 +0000 http://helpsavemydollars.com/?p=2469#comment-612 Absolutely!  Thanks for your comment! Absolutely!  Thanks for your comment!

]]> Comment on The Truth About Holiday Shopping Layaway Programs by Kyle James http://helpsavemydollars.com/the-truth-about-holiday-shopping-layaway-programs/comment-page-1/#comment-611 Kyle James Mon, 07 Nov 2011 20:00:00 +0000 http://helpsavemydollars.com/?p=2469#comment-611 Good points Scott, those fees make Layaway a bad option for many. Especially for those who with existing credit card debt. Good points Scott, those fees make Layaway a bad option for many. Especially for those who with existing credit card debt.

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