By Jim Kemish · Editorial · No Comments
Credit Report Errors
The credit reporting industry is far from perfect. And yet your entire financial life depends on the content of your credit report. Two-hundred million consumers have credit records with the three major credit bureaus. Over one-hundred and fifty million of these consumers have errors on their reports. The potential impact of these errors is tremendous. Virtually all lenders, from mortgage lenders to auto finance companies will determine your interest rate based on your credit scores. Even minor errors may have a major impact on your credit score; this can translate into higher payments on every dollar that you borrow.
[Read more →]
By Jim Kemish · Editorial · No Comments
It’s Easy!
Credit repair offers an opportunity to improve your credit scores and save significant dollars each month. The process does not have to be complicated. If you are organized and have an understanding of the basics you can succeed!
[Read more →]
By Jim Kemish · Editorial · No Comments
Have you received a collection letter? The law provides consumers with a powerful tool for dealing with collectors. Here is our explanation of the power of debt validation and how to use it to your benefit.
The Letter of the Law
The correct way to respond to a collection letter is with a written request for debt validation. This is your right under the Fair Debt Collection Practices Act (FDCPA), and if done in a timely and correct manner can produce fantastic results. Let’s start with the law: FDCPA § 809. Validation of debts [15 USC 1692g (b) “If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.”
[Read more →]
By Jim Kemish · Editorial · No Comments
Now is the Time!
Good credit has never been so important. The entire credit landscape has changed over the last year. And 2008 brings new and unprecedented challenges. How did this happen? What can you do to adapt and even thrive in this new environment? Here is some insight!
[Read more →]
By Jerry Hu · Editorial · No Comments
The Wusong Industrial Zone, which had long been a source of pollution in Shanghai, has been cited as a showcase for recovery and improvement of the ecology and environment. The turnaround was accomplished by revamping and optimizing the city’s industrial structure and production technologies. Meng Zhongwei, deputy director of the office in charge of cleaning up the Wusong Industrial Zone stated, “Our concept was to improve the environment while revamping structure.”
[Read more →]
By Lisa Thompson · Editorial · No Comments
When wandering the streets of Shanghai — a fantastic way to spend an afternoon I might add — you may meet the old man in the market. I’m not talking about an actual, specific, old man in any specific market, but his general type. They’re in every market, really, and they’re as interesting and insightful as they are, well, old.
[Read more →]
By Jerry Hu · Editorial · No Comments
If you see a beggar come up and latch on to you with a sad look and an outstretched hand, you know you must be on the streets of any city in any nation of the world. China has taken great steps to insure that visitors are not troubled by beggars, but no amount of preparation against this can ever make it go away. Only you can make them go away, and if you don’t, they’ll call in reinforcements until all your money is gone.
[Read more →]
By Jerry Hu · Editorial · No Comments
If you hit any market outside your hotel or the comfy confines of one of the many easy Friendship Stores throughout the town, you will fairly be able to say that you lived the Chinese shopping scene. Expect it to be busy, hectic, chaotic, bustling and loaded to the gills with an opportunity at every turn to haggle unto your heart’s content.
[Read more →]
By Will Flaus · Editorial · No Comments
If you ever go down to the corner back home, you might feel a touch of Shanghai when you see the neighborhood Starbucks… or is it the other way around? Forget about McDonalds, Coca-Cola and Pizza Hut: when I want the feeling of home while I’m in Shanghai, I stop into Starbucks for a tall mocha. But unlike other types of shopping, don’t expect the regional discount to apply to your coffee.
[Read more →]
