Monica's Money Matters

Cell Phone Impacts Credit

As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score.

This information is then used by lenders—including mortgage lenders—to determine whether you're a good credit risk.

What many people don't realize is that cellphone bill payments can also have an effect on credit rating.

Here's how your cell phone impacts your credit..

What is a credit score and how is it calculated?

Have you ever wondered how your credit score is Calculated, or more importantly, how to improve it? If so, this video will be a real eye-opener for you.

 How to Save

It's not how much you make, it's how much you save.  Instead of just working harder to make more money, why not make the money you have work harder for you. Here are four strategies to make that happen...

 How to Buy a Vacation Home

Thanks to aging Baby Boomers, the market for vacation properties is hotter than ever. But before you start shopping, here are some things to consider...

  Moving Checklist

Here's a special resource for you -- or anyone you know -- who is planning on moving house in the next 6 months...

 What the Banks Won't tell you

Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind. But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again!  Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here are a few "insider secrets" you need to be aware of...

 Give your home more "curb appeal"

While it is certainly feasible, and perhaps more cost effective, to attempt landscape design on your own, there are many benefits to hiring a professional to design and execute a landscape plan for you. Here's how you can get a free consultation from one of the best landscapers in town...