In 1989, The FICO SCORE was released to the world by William R. Fair and Earl Isaac, who founded a computer software company. They developed and sold their first credit system back in 1958. FICO (short for the Fair-Isaac Co.) was the first credit-risk model that provided a universal and impartial tool for evaluating consumer risk. The FICO SCORE…read more →
It is Tuesday August 5thas I write this article, and in Rockaway Beach, a big storm (Isaias) is brewing, and the ocean is rough. As a surfer kid, we craved these “big wave” opportunities. Another 2020 storm has been brewing in the COVID-Era for the “Big 4” professional sports teams; Baseball, Basketball, Football and Hockey. The incoming “Financial Waves” have…read more →
Since we are in the middle of the summer and a pandemic, it is not feasible for most people to travel overseas. There has never been a better time to explore within the USA. I recommend considering Northern California: Mount Shasta: Beautiful mountain located between Redding and the Oregon border 3600 feet above sea level with hiking, museums, art galleries,…read more →
Having touched foot on 6 of the 7 continents, I have learned a lot over the years. Many families have held off on their summer travel due to the pandemic, and rightly so, as rules have been changing. I just returned from 2 weeks in Northern California. Travel has undergone significant changes since my trip to Australia this past January. …read more →
I probably watch too much news these days. It’s not easy to find positive articles. People often say, “when the dust settles, I’m going to do this or that.” The dust has begun to settle. What are YOU doing? The other day, I texted one of my Rockaway clients to check-in and see how he and his wife were doing. …read more →
You don’t need me to tell you that this country is upside down right now. There has never been a more important time to think clearly and adapt to the current situation. With 40 million unemployed and another 10 million not seeking work, many are in a “financial” survival mode. One in three Americans have yet to receive their unemployment…read more →
The question everyone is asking is; how can I maximize my time at home during this temporary COVID-19 “new normal” ? Try a few of these options: Take the Online New York State defensive driving course: You get a 10% discount for three years on your auto insurance premiums. Groupon has it for $19. Use their online coupon code…read more →
We love our dogs in the United States with almost 90 million nationwide. That means nearly one-half of households have a dog in their home. Other than companionship, there are other advantages to having a dog in this Covid-19 new world. For example: Safety & Security: Dogs are another layer of security as barking dogs can keep burglars at bay. …read more →
Auto Insurance: Most auto insurers are on board for discounts ranging from 10-25% for Mar & Apr. Contact your agent/broker. Some carriers will give you a credit, some will send checks. Said discounts are being filed with each state so it will take weeks, so Inquire Now! Unemployment: Has been extended from 26-39 weeks and it’s retroactive. New York State,…read more →
On March 27th, President Trump signed the $2Trillion stimulus package for small business owners (sole proprietors or firms with fewer than 500 employees) to get two and a half months’ expenses in a lump-sum payout. The loan could possibly be forgiven depending on how you spend it. I’ve never seen a loan program option as good as the PPP! The…read more →
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