"Come for a day and stay for a lifetime…"(R)

B & A Realtors Receives 2011 Best of San Jose Award

December 16, 2011

Press Release FOR IMMEDIATE RELEASE B & A Realtors Receives 2011 Best of San Jose Award U.S. Commerce Association’s Award Plaque Honors the Achievement NEW YORK, NY, December 8, 2011 — B & A Realtors has been selected for the 2011 Best of San Jose Award in the Real Estate Agents category by the U.S. […]

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District 8 Community Forum

November 28, 2011

Join Councilmember Rose Herrera at the District 8 Community Forum When: Monday, Nov. 28, 6:30-8:00 p.m. Where: Evergreen Community Center, 4860 San Felipe Road RSVP by contacting Councilmember Rose Herrera’s office at (408) 535-4908 or email [email protected]

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The Identity Theft Epidemic

November 21, 2011

There are 5 types of Identity Theft: 1.  Financial.  This is where thieves use your identity to open new accounts in your name. 2.  Medical.  Your social security number is used to obtain medical services.    Not only is this dangerous for you, but you may have this affect your credit in a negative way due […]

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Homeownership Rates Rise After Two Years of Decline

November 15, 2011

After falling to a 13-year low during the second quarter, the homeownership rate posted a highly unexpected rise in the third quarter, according to a Census Bureau report released Wednesday. With foreclosures forcing homeowners out of their homes and buyers waiting on the sidelines as home values declined, the homeownership rate has been on the […]

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Tips to Downsizing!

October 24, 2011

By Nell Bernstein, Caring.com senior editor One of the hardest things about moving from the family home to a retirement community is downsizing. Your parents may find themselves in a 600- or 700-square foot unit — or something even smaller. In the long run, most will find their new living situation more enjoyable than they […]

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“Myth-Conceptions” of Credit (Continued)

October 14, 2011

MYTH # 22: ” The credit bureaus are government agencies” Completely false. Credit bureaus are for profit companies. They collect data to sell to lenders and providers. They are governed by the Federal Trade Commission. MYTH # 23: If I get one bureau to remove a item from my credit report, all the other bureaus […]

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“Myth-Conceptions” of Credit

October 13, 2011

MYTH #17: Going over the balances on your credit limits are ok because the credit company authorized the purchase. That’s not true ia any way because what will ultimately show on your report is the amount of credit that you used  versus your credit limit. MYTH # 18: “As long as you pay off your […]

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“Myth-Conceptions” of Credit (Continued)

October 12, 2011

MYTH #12:  A serious financial crisis like a foreclosure, short sale deed-in-lieu or bankruptcy will hurt your score for 7 years. Foreclosures will remain on your credit report for 7 years, bankruptcies 7 – 10 years depending on whether its a chapter 7 or 13. There are ways to reestablish your credit and raise your […]

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“Myth-Conceptions” of Credit (Continued)

October 11, 2011

MYTH # 6: A co-signer is not responsible. In all actuality, a co-signer is as responsible as the signer on the account. In recent years, many mortgage applications were originated based on there being a co-signer, but in all actuality the co-signer was the primary borrower. This will also affect the “co-signers” credit report due […]

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“Myth-Conceptions” of Credit

October 10, 2011

The media, newspapers, internet are full of incorrect information regarding Credit. One of the things that I want to make available to your clients, family and friends, and everyone else whose  financial lives that you touch, are certain facts about credit that will affect them and any financial decision that they have made or about […]

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