Quick Finance Info

OK so here are some quick things to share -

1) The cash for clunkers sort of appliance bred program is here. You can receive up to $150 towards any new energy saving appliance that qualifies in this program. Similar to the cash for clunkers so I would imagine lots of red tape and documents to get it through but still, if you have an older inefficient appliance you might want to look into this program! And if Larry and I end up going this route with the broken down old appliances that we have stashed in places I don't even know, then we will let you know how it all worked out.

2) Credit Reports - due to pulling our own recently and then looking through a friend's issues as well, things have definitely changed. One simple thing to change / look for, if you were ever an authorized user on another person's account (most likely if you were on your parent's credit card at some point of time) this is now going to pop up on your credit history. Here is how it affects you - it will not impact your score but in the event that you would go to qualify for a loan, the lender would hit you for the min pmt due on this tradeline. So it would negatively affect your debt to income ratio which is one of the measures the lender uses to qualify you. In other words, call in and get yourself taken off as an authorized user.

Ok that's it for finance updates at this point!

You can always let me know if you have any further questions on this...