How To Get Your Free Annual Credit Report

By MoneyBlueBook

I'm thinking of a number...between 450 and 850. Do you know what it is? It's my credit score, and it happens to be be 720.

Ok, my credit score is actually 750, but I'm sure you've heard that commercial before from freecreditreport.com. It's the one where the guy is sitting on a producer's chair talking about his credit score in front of a plasma tv. Well I'm here to warn you not to fall for their slick advertising. Their marketing technique is very clever but seemingly misleading. The free credit reports they offer are not truly free as most people would understand it. You have to enroll in their credit monitoring trial program to obtain your complimentary report. If you don't cancel within the trial period, you will be charged.

AnnualCreditReport.com is the Only Official Free Credit Report Site

There is only one truly free way to obtain your credit report, and that is through AnnualCreditReport. There are numerous sites out there that claim to offer "free credit reports", "free credit scores", or "free credit monitoring" but none of them are part of the legally mandated and official free annual credit report program. In most cases, the so-called credit report product comes with strings attached.

By law everyone is entitled to a free copy of their credit report from the three major credit agencies, Equifax, TransUnion, and Experian, upon request once every 12 months. These credit reports usually cost upwards of $10 each. It's a good idea to keep tabs on your credit report and

By MoneyBlueBook

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For those curious or willing to take on the challenge of learning a new investment methodology,Trading Concepts Inc offers a home study package on how to trade Emini futures.

Eminis are electronically traded futures that are much smaller than existing futures contracts traded on the Chicago Mercantile Exchange. The claimed advantages to trading Emini contracts include greater liquidity and flexibility. The most popular Eminis are those that track popular stock indexes such as the S&P 500 or the Nasdaq 100.

The home study Emini Trading System course provides a wide assortment of preparatory material, including a 250+ page comprehensive manual, 4 professionally shot video tapes (50+ page manual), 3 hours of professionally recorded audio cd's (50+ page manual), unlimited phone/e-mail consultation, free unlimited access into the members area, and a free day of market training.

It Does Take Personal Effort and There Are Risks

Trading Concepts Inc. claims that the average student will take roughly one to two months provided they are prepared to spend between five and eight study hours on the course a week, to learn and actually begin using and profiting from Emini trading.

The company's website does acknowledge that while futures and options trading offer potentially significant rewards, day trading does involve high risks and you can lose a lot of money. As always, please do very thorough research, and be careful.

By MoneyBlueBook

After spending some time on the sidelines, I think it's time for me to get back into the whole 0% balance transfer game, also known in some circles as the App-O-Rama (insert ominous lightning and thunder crack). 8O

The App-O-Rama Game - What Is It?

For those of you unfamiliar with the concept, the App-O-Rama (more formally known as credit card arbitrage or balance transfer arbitrage) is a way to generate money through the calculated use of interest free credit card balance transfers. The process operates by you opening numerous credit cards that offer special introductory 0% APR balance transfer rates. The introductory period is often up to a year long, during which time you deposit the balance transfer funds into a high yield savings bank account. Essentially you are making money from borrowed money for an extended period of time. At the end of the introductory period, you promptly pay everything back in full and you pocket the savings interest as profit.

The process requires prior preparation and may be difficult for some people to automate and pull off without a hitch. Participation is certain to negatively affect your credit score in the short term and there are also many hidden dangers as well so it's certainly not suitable for some people. It is definitely not recommended for those people who need to maintain excellent credit because they are planning on buying a new house or car in the next 12 months. It is also not recommended for those who are disorganized or

By MoneyBlueBook

My investment portfolio is up more than 40% so far this year. I accomplished this by taking advantage of the serious growth potential in the developing markets, primarily in Asia.

I think investors these days are much too risk adverse. Now if you are only only a few years away from retirement I understand why you would choose asset preservation first, but for those of you in your 20's or even 30's, why are you so afraid of losing money in the market? After all, stock markets have always cumulatively trended upwards historically given a long enough investment horizon. By overloading with safe conservative investments, you are greatly limiting your possible returns.

China Is Booming and Growing Rapidly

Due to its sheer size, massive population, and capitalistic ambitions, China will be the focus of the world's economic growth for the next few decades and is on track to develop into the world's next economic superpower. China's gross domestic product currently expands at more than 10% a year, compared to only 3% for the United States.

If you want to see your money grow to its greatest potential, investing in American or developed markets alone won't get you to that result. If you are content with steady growth, then stick with the usual S&P 500 type value funds. But if you desire growth and are willing to take on a reasonable amount of calculated risk, you really need to get on board the China train.

I jumped on board earlier this year and invested a large sum and proportion

By MoneyBlueBook

Whenever two Goliaths want to duke it out for supremacy, I'm the first to grab some popcorn and a front row seat. I can't help but watch and be entertained. Like watching a cafeteria brawl back in high school, it's just too fascinating to pass up.

Fox News' Not-So-Secret Secret

Yesterday,Fox News confirmed that it will be releasing its long overdue 24 hour cable business news channel Fox Business Network by the end of the 4th quarter of this year. In doing so, Fox News will be launching itself into a head on battle between the current dominant business news channel, CNBC (one of my favs).

Back in February 2007, Rupert Murdoch raised my eyebrows when he indicated that his new Fox Business Network channel would be more business friendly than CNBC" which he complained was quick to leap on every scandal". Fox News president Roger Ailes also indicated in a separate interview, that "Many times I've seen things on CNBC where they are not as friendly to corporations and profits as they should be," and adding that "We don't get up every morning thinking business is bad."

I certainly hope this doesn't mean Murdoch plans on creating a business news network that will operate with a particular preconceived and slanted agenda, an allegation some have levied against his current news network.

To Succceed Fox Business Network Will Have To Find Its Niche

The advertising market and demographics for Fox News compared to the other cable news channels such as CNN

By MoneyBlueBook

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