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[ad_1] There’s only one month left until HW Annual kicks off on Oct. 3rd. As the conference quickly approaches, so does the deadline to lock in the exclusive room rate for the Fairmont Princess Resort in Scottsdale, Arizona. Take advantage of staying on the property and being close to all the conference sessions and networking events by locking in the HW Annual room price of $395/night before the block closes on Sept. 5. The property includes six pools, a spa, five restaurants and bars and two golf courses. Explore all of these amenities in between your favorite panels and keynote speakers! We’ll also be hosting our Welcome Reception, Cigar after party and poolside cocktail party at the hotel, which you’ll want to be close by for. When you’re not exploring all the conference and property has to offer, be sure to check out the city of Scottsdale, visiting the vibrant arts and social scene around town. If you have any questions about what to do in the city, you can connect with our local Welcome Committee, which includes Lisa Lund, broker/owner at Lund Mortgage Team, Nicollette Chapman, vice president of the mortgage division at Zonda, and Haley Parker, area business development manager at Fairway Independent Mortgage Corporation. For more information check out the Fairmont website or reach out to events@hwmedia.com. And, get excited for all the panels and presentations to come at HW Annual! To lock in your room today, go here. The post Lock in your exclusive room rate for HW Annual by Sept. 5 appeared first on HousingWire. [ad_2] Source link

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[ad_1] Your credit score is a three-digit figure that gives lenders an idea of your overall credit health, and this metric can be a lot more important than people realize. After all, you typically need good credit to rent an apartment or qualify for a rewards credit card, and information on your credit reports may be requested by employers before they hire you for a job. Good credit can also help you secure a mortgage or the best auto loans, whereas a bad credit score can prevent you from qualifying at all. Fortunately, there are standard steps to take if you want to keep your credit score in good shape. For example, paying all your bills on time and keeping your credit utilization in check can go a long way toward helping you build credit you’ll need later in life. In the meantime, you’ll also want to check your credit reports for incorrect reporting and false information, all of which can negatively impact your score without you even knowing. Just remember that having negative items removed from your credit reports only works if they are actually untrue. The CFPB points this out very specifically on their website: “You generally cannot have negative but accurate information removed from your credit report,” they write, adding that most negative information will remain on your credit reports for seven years. #ap4942-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap4942-ww #ap4942-ww-indicator{text-align:right;color:#4a4a4a}#ap4942-ww #ap4942-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap4942-ww #ap4942-ww-indicator-wrapper:hover #ap4942-ww-text{display:block}#ap4942-ww #ap4942-ww-indicator-wrapper:hover #ap4942-ww-label{display:none}#ap4942-ww #ap4942-ww-text{margin:auto 3px auto auto}#ap4942-ww #ap4942-ww-label{margin-left:4px;margin-right:3px}#ap4942-ww #ap4942-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap4942-ww #ap4942-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap4942-ww #ap4942-ww-text-bottom{margin:5px}#ap4942-ww #ap4942-ww-text{display:none}#ap4942-ww #ap4942-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap4942-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap4942-w-map #ap4942-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap4942-w-map #ap4942-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap4942-w-map #ap4942-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap4942-w-map #ap4942-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap4942-w-map #ap4942-w-map-map svg{position:absolute;left:0;top:0}#ap4942-w-map #ap4942-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap4942-w-map #ap4942-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap4942-w-map #ap4942-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap4942-w-map #ap4942-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap4942-w-map #ap4942-w-map-map svg g .ap00646-w-map-state{display:none}#ap4942-w-map #ap4942-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap4942-w-map #ap4942-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap4942-w-map #ap4942-w-map-map svg g:hover{cursor:pointer}#ap4942-w-map #ap4942-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap4942-w-map #ap4942-w-map-map svg g:hover text{fill:#fff}#ap4942-w-map #ap4942-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap4942-w-map #ap4942-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap4942-w-map #ap4942-w-map-btn:hover{color:#fff;background-color:#508fc9} Need help with your credit? Let an expert help! Credit Repair companies help identify and dispute mistakes on your credit report that could be weighing down your score. Click your state to learn more. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Repair My Credit How Credit Scores Are Calculated In addition to checking your credit reports for errors, you should have a general idea of how credit scores are calculated. You probably have additional questions you want answered as well. For example, what is a good credit score? And, what is a bad credit score? First off, you should know that the most important credit scoring model is the FICO scoring. Meanwhile, VantageScore is the second most commonly used credit scoring model. Since FICO credit scores are used by 90% of top lenders, we’ll focus on this type of credit score for the purpose of this guide. Like VantageScore, FICO credit scores fall between 300 and 850 with higher scores being superior to lower credit scores. According to myFICO.com, FICO credit scores are also separated into the following ranges: Exceptional: 800+ Very Good: 740 to 799 Good: 670 to 739 Fair: 580 to 559 Poor: 580 or less If you’re wondering where you stand, you should know that Experian reported that the average FICO score came in at 714 in late 2021. This means that, for the time being, most American consumers have what is considered a “good” credit score. #ap66370-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap66370-ww #ap66370-ww-indicator{text-align:right;color:#4a4a4a}#ap66370-ww #ap66370-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap66370-ww #ap66370-ww-indicator-wrapper:hover #ap66370-ww-text{display:block}#ap66370-ww #ap66370-ww-indicator-wrapper:hover #ap66370-ww-label{display:none}#ap66370-ww #ap66370-ww-text{margin:auto 3px auto auto}#ap66370-ww #ap66370-ww-label{margin-left:4px;margin-right:3px}#ap66370-ww #ap66370-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap66370-ww #ap66370-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap66370-ww #ap66370-ww-text-bottom{margin:5px}#ap66370-ww #ap66370-ww-text{display:none}#ap66370-ww #ap66370-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap66370-w-text{padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap66370-w-text #ap66370-w-text-title{color:#212529;font-size:20px;font-weight:700;line-height:30px}#ap66370-w-text #ap66370-w-text-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap66370-w-text #ap66370-w-disclosure{color:#9b9b9b;margin-top:10px;font-size:12px}#ap66370-w-text #ap66370-w-text-btn{margin-top:25px;padding:9px 13px;display:inline-block;color:#fff;font-size:16px;line-height:20px;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap66370-w-text #ap66370-w-text-btn:hover{color:#fff;background-color:#508fc9} With Credit Repair, you can get back to the financial health you need. Bad credit can take a toll on your personal finance and beyond. Click below and find out how to start repairing today. Repair My Credit What to Do If You Find Something Wrong in Your Reports To keep your credit score in the best possible shape, you should make sure you read over your credit reports from all three credit bureaus — Experian, Equifax, and TransUnion — at least a few times each year. Doing so can help you spot inconsistencies in your credit reports, and even false reporting or mistakes. According to the Federal Trade Commission (FTC), checking your credit reports is also one way to spot signs of identity theft early in the process. To get a look at your credit reports from all three bureaus, you should use the website AnnualCreditReport.com. This portal lets you check all of your credit reports for free up to once per week, and you can complete the entire process online. How to Dispute Negative Items On Your Credit Reports If you find any errors on your credit reports, and especially errors that may be hurting your score, you should take steps to have them removed. Just remember that you will only have success having negative reporting removed from your reports if the information is actually incorrect. The FTC notes that you’ll need to dispute any incorrect reporting with both the credit bureaus that report the information and the company that supplied the data. If your Experian credit report shows a late payment on your Wells Fargo car payment, for example, you would need to dispute the information with both Experian and Wells Fargo. If the false information was on all three of your credit reports, on the other hand, you would need to send the same information to Experian, Equifax, TransUnion, and Wells Fargo. Steps you’ll need to take to dispute information on your credit reports include: Step 1: Explain in writing what you think is wrong on your credit reports, along with the reason the information is incorrect. Step 2: Send printed copies of your credit reports with your letter, and make sure to highlight or circle the incorrect

[ad_1] Do you struggle with kids who get easily irritated or have angry outbursts? If so, you don’t want to miss this episode of The Crystal Paine Show where I interview David Thomas, therapist, dad of three, and author of Raising Emotionally Strong Boys: Tools Your Son Can Build On for Life. In this episode, he shares some of the biggest struggles boys are dealing with right now and how we can best walk with them through these. He gives so much practical advice and strategies you can start using immediately. I have mulled over this episode again and again after we recorded it and have changed how I approach a number of interactions with my kids as a result. This 30-minute episode is packed with inspiration, encouragement, and hands-on tools for all parent — or anyone who interacts with kids! In This Episode [00:34] – Welcome to another episode of The Crystal Paine Show. [03:15] – David shares how he got started as a therapist and what led him down that path. [05:34] – Since you’ve been doing this for a long time, have you seen a shift in what parents are struggling with and what teens are struggling with? [06:38] – Do you feel there is a reason for that? What’s at the root of that? [13:09] – What does it mean to be emotionally strong? [20:09] – How do we, as parents, set an example for our kids when we’re feeling so frustrated? [23:46] – Moms often feel like, “If I admit to my child that I don’t have it all figured out, I’m somehow failing them.” [27:42] – I would love for you to speak to that mom right now. She is feeling like it’s too much, it’s too overwhelming. She feels she doesn’t have what it takes. She doesn’t know what to do with her child. [31:36] – There are so many tools in this book, not just tools for your son, tools for you as well. Links & Resources Books Raising Emotionally Strong Boys by David Thomas Strong and Smart: A Boy’s Guide to Building Healthy Emotions by David Thomas Raising Worry-Free Girls: Helping Your Daughter Feel Braver, Stronger, and Smarter in an Anxious World by Sissy Goff Special Mentions Raising Boys and Girls Other Resources 10 Days to Be a Happier Mom Sign up for the Hot Deals Email List MoneySavingMom.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal @ moneysavingmom.com [ad_2] Source link

[ad_1] Canada invokes 1977 pipeline treaty with U.S. again over Line 5 dispute [ad_2] Source link

[ad_1] Wow! This is a great time to score a deal on holiday pajamas! Zulily has Holiday Pajamas for the Family for just $8.79 and under right now! Hurry – these are selling out quickly. Shipping is free on orders over $89. And if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! [ad_2] Source link

[ad_1] NASA postpones debut Artemis test flight of new moon rocket after engine snag [ad_2] Source link

[ad_1] Here’s a great deal on Tide Simply Pods + Oxi Laundry Detergent Soap Pods! Amazon has this Tide Simply Pods + Oxi Laundry Detergent Soap Pods, 55 count for only $8.82 shipped when you clip the $1.98 off e-coupon and checkout through Subscribe & Save! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. [ad_2] Source link

[ad_1] U.S. govt to provide $11 million for production of monkeypox vaccine [ad_2] Source link