The Coming Pandemic?

No, not bird flu. Identity theft.

As the world tries to ready itself for the inevitable spread of the H5N1 avian flu virus, it

Attention Homeowners & Future Homeowners, Don

Credit Tips #6, Keep Your Credit Cards Open

Tip #6: Keep your old cards active

      15% of your credit score is based on the length of your credit history. If you have older cards, keep them! Even if they have a higher interest rate than your newer cards, it is best to put them in a drawer and use them every six months to buy gas and keep them active.

Your friend,
Carlos Samaniego

P.S. Mother’s Day is coming up in a couple of days and wanted to give you a quick reminder to order your flowers for that special mom of yours. I will personally will be calling 1-800-Flowers, after talking with Jim McCann, CEO of 1-800-Flower’s, while I was in Chicago a few weeks. I know they will take care fo me and my mom!Ceo800floweres_2

Carlos’s Credit Savvy Tip #4: Don’t pay off old collections

Carlos’s Credit Savvy

Tip #4: Don’t pay off old collections

      Why would you ever not want to pay outstanding collections? Because, due to an error in the credit scoring software, when you do and your credit score is recalculated your paid collection becomes the most recent item on your report. If your collection is more than four years old, having a recent paid collection will hurt you more than leaving it unpaid.


P.S. Today’s picture was with Jim McCann, CEO of 1-800-Flowers I had a chance to meet and speakCeo800floweres_1  with briefly in Chicago. It was amazing listening to his story how he built his company.

The picture below was from last week at Andrew (my 9 year old son) school play, Elizabeth him giving me a celebration pose!