Manns Medium

To many the words according to Ken Clark, a debt/credit expert and certified financial planner, are all but true.   He is quoted as saying that quite simply, your credit score summarizes your credit risk based on a snapshot of your credit standing at a particular point in time. It’s an overall assessment of your financial responsibility (Rate Nerd).   Then there are those who take on the view of the Manhattan Financial Group who states “t ypically, a person with a bad credit score is in this position because they lack structure in their life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the discipline to pay their bills on time or curb their spending.”   So who’s right or are they both correct? Origin To begin to understand the importance of this article we must first review. “ Equifax is the oldest of the three bureaus, having been founded in 1899 as Retail Credit Com...

One has got to wonder how some of the most intelligent people in this world can end up occupying a seat in the House of Representatives and still not be smart enough to know that what you say on the campaign trail is what will be expected from you once you are in office.   Barack Obama should have taught them that.   He was elected and right off the bat, started to fulfill those promises.   If it was going to be demanded from him, surely any person of slightest intelligence would figure it was going to be required from them. The 2010 election was supposed to be about jobs on the campaign trail and when these people signed into office, it all changed to social issues like abortion, big businesses interest, and assault on union and women’s rights and let’s not forgets gays in the military.   On the campaign trail, nearly to a person could be heard saying that Washington wasn’t listening to the American people and all of them promised to do just that.   Privati...

Seems that the Koch Brothers have exposed both Justice Scalia and Justice Thomas when it was revealed that both of them had honored them with a guest appearance at a retreat they were having.   This retreat was supposedly on campaign finance, so the question then becomes should both not recued themselves when the Citizens United case was presented. The O’Jays had a song titled “For the Love of Money” and in it they reviewed several different ways that people would sell their very souls for the love of money.   That song is truer today than it has ever been before.   I am quite aware that money is a necessary evil but really people, how much is enough.   You have two cars in your driveway but you have got to have a couple more.   How much is enough.   You live in a 32 room house with 12 bedrooms when it is only two of you living there.   How much is enough.   You have more available cash than you could ever spend in a lifetime yet you will do anyt...