Credit Score Club

The following is an excerpt from How Smart People Sabotage Their Job Search: 10 Mistakes Executives Make and How to Fix Them!

Mistake #6: We Don’t Build a Network When We are Working.

“No one—not rock stars, not professional athletes, not software billionaires, and not even geniuses—ever make it alone.” Malcolm Gladwell

This will speak to MANY of you: Did you interact with outside vendors while filling the role in the corner office? Did you delegate the management of corporate relationships, vendors and customer relationships to your direct reports? Consideri

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What do you suspect puts a larger dent in your wallet? Your commute? Or your lunch? A recent survey by Accounting Principals suggests that the average American spends substantially less on commuting costs than they do on food at work, especially young people. And worse, people dont seem to understand that this is the case.

Accounting Principals surveyed 1,000 employed Americans about their financial attitudes closing out 2011 and looking forward to 2012.

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Another day, another glut of new ETFs on the market. While there has been a correct emphasis on fees and tax effects- arguably the only two factors an investor can control-investors should also be award of liquidity risk. Liquidity risk describes the situation where a seller of an asset cannot sell it because there are not enough or any buyers. The result is that the seller cannot sell to minimize losses or to profit from paper gains.

Securities are theoretically supposed to be highly liquid due to the fact the stock market is  a meeting place of buyers and sellers. However, some publicly traded securities simply cannot be moved quickly.

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Thats why life cycle funds, todays most popular retirement option, typically are centered on glide paths that reduce equities and increase allocation to less volatile assets such as bonds or cash as an investors retirement target date nears.

Yet a new study by the Putnam Institute, a research and educational organization sponsored by Putnam Investments, indicates that many life cycle funds still allocate far too much to equities and should shift to significantly more-conservative allocations. The analysis specifically looks at how to minimize the risk that investors fear most the depletion of retirement assets.

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A few years ago I suggested that you dress down when you go to negotiate for a purchase with the thought being if you didnt look like you had a million dollars you would pay less for the item. Then a few years after that I posted that maybe dressing up is a better option (since people tend to judge a book by its cover.) On each of those posts we had commenters suggesting dressing up or down was the better idea, so Im not the only one who cant make up my mind on this issue.

What brought the topic back to mind was this piece that says you should dress up when you fly if you want to receive preferred treatment.

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Pressure from advocacy groups is making headway as Chase becomes the first major U.S. bank to unveil a revised checking account disclosure form. The new design makes use of color and categories to display fees in a manner that is much less difficult to understand.

Dull and wordy, account fee disclosures have been at the spotlight for causing widespread confusion for customers. Because of this, many customers don’t review their checking account fees until they get hit with these costs.

Addressing this common issue, Chase (NYSE: JPM) has come forth with a new 3-page account fee disclosure for its Chase Total Checking account.

The revision was the result of the bank’s collaboration with the Safe Checking the Electronic Age Project by the Pew Health Group.

A Pew study found that the median length of checking account disclosures found at the top 10 U.S. ban

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