2007 February | Wheatworks Blog: Financial Matters

Disassociated and Still Inaccurate

2/24/2007, 9:47 pm

Earlier this month, in “You Can Check Your TeleCheck Report“, I wrote about checking your TeleCheck Report, describing the problem created when TeleCheck mixed my data with another person’s data. You can read the post about the TeleCheck problem and how to request a copy of TeleCheck’s free annual file disclosure about the information the TeleCheck database contains about you.

I received a letter today from TeleCheck. The letter states that after researching my file, TeleCheck determined my information was associated with a file in their database which belongs to another party. The letter indicates TeleCheck has disassociated my information from any file containing negative information.

Here’s the kicker: The letter from TeleCheck reporting my data is clean is addressed to me and my wife. Her name misspelled. I give up.

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Category: Financial Tips, Information | Comment

Debt Blogging

2/19/2007, 9:17 pm

I just read an interesting article “Debtors search for discipline via blogs” on CNET’s News.com site.

It’s about bloggers who bare their financial souls to motivate themselves to get out of debt. While it’s an interesting concept, it seems odd to me that bloggers worried about what friends and family would think about their debts, open their finances to the world wide web.

It’s a good read and include links to debt-related blogs like

Check it out …

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Category: Financial Tips, Information | Comment

10 Things ‘They’ Won’t Tell You

2/14/2007, 8:54 pm

Here are a couple interesting links about the ten things different real estate and lending professionals won’t tell you in your interactions with them. These are eye-opening, informative articles.

Here are 10 things your Realtor® won’t tell you

10 Things Your Morgage Lender Won’t Tell You

And from Yahoo!® Finance:

10 Things Your Real Estate Broker Won’t Tell You

Are these lists of unspoken realities fair to all the professionals involved in your real estate transactions? No. There are fully-honest professionals in every field.

But like the cliches about the used car industry, there’s enough funny business in the real estate and mortgage industry that lists like these are written and published in national media outlets.

The takeaway lesson: Look out for yourself. While they may be very friendly, the other folks (lender, agents, seller, etc.) in your real estate transaction have their own agenda. They’re looking out for themselves.

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Category: Financial Tips, Information, Real Estate Tips | Comment

Down Payment Calculator for Real Estate Web Sites

2/12/2007, 6:36 am

Ruston, LA - February 11, 2007 - The MoneyToys(tm) collection of web site calculators has grown again with the addition of a Down Payment Savings Calculator. MoneyToys now includes 14 financial calculators which real estate webmasters can easily add to web sites and is available for only $139.95 USD.

Installing these web site calculators is simple. If you have the skills to create a web page, you have the skills required to install MoneyToys. Simple step-by-step instructions and 3 sample web pages are included with each calculator. With a few lines of HTML and MoneyToys a webmaster can quickly install online financial calculators so visitors can do financial math without leaving the web site.

The Down Payment Calculator can be configured to match a web site’s color scheme. The calculators’ default values can be configured to meet the needs of a particular real estate market. For example, whether a typical loan in your market is $150,000 or $500,000 you can easily set the initial values you want your visitors to see. Also, the font and font size can be configured to match the web site on which it is installed

The 14 web site calculators in the growing MoneyToys collection now includes: a Down Payment Savings Calculator, a Biweekly Payment Calculator, a Home Seller’s Proceeds Calculator, an APR Calculator, a Pay Down Debt or Invest Calculator, a Loan Spread Calculator, a Refinancing Calculator, a Buyer’s Cash Requirements Calculator, a Simple Loan Calculator, the new Very Simple Loan Calculator, a Future Value of Savings Calculator, a Loan Comparison Calculator, a Discounted Cash Flows Calculator and a Rent vs. Buy Calculator.

MoneyToys web site calculators quickly add helpful, interactive content to a web site giving visitors additional reasons to return.

Individual MoneyToys calculators can be purchased for $39.95 USD. The entire MoneyToys collection of 14 real estate web site calculators is only $139.95 USD at http://www.moneytoys.com. These are one-time license fees. MoneyToys require no annual or traffic-based fees!

The entire collection of 14 MoneyToys is available for evaluation online at http://www.moneytoys.com. For more information, contact Wheatworks Software, LLC, Post Office Box 7, Ruston, LA 71273.

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