[creditwrench newsletter] New Post/Thread Notification: CreditWrench Resources

Hello,

Creditwrench has just posted in the CreditWrench Resources forum of CreditWrench under the title of The time has come the Walrus said to speak of ..........

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3457

Here is the message that has just been posted:
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RSS feeds and why they are so useful. Not only are they extremely useful but they are also easy to use. All you need is a feed reader and a little knowledge to help you keep on top of anything and everything going on in the world today.

Knowledge and information is spreading so fast that without RSS you can't possibly keep up with even a small fraction of the information on whatever subject you might be interested in or need information about.

As you might have noticed I have added a large number of RSS feeds to this board to help you keep up with the latest in new technology, court cases, law reviews and more. Now I have discovered a brand new search engine that will RSSify your searches. As I search for new things relevant to the subject matter we cover here I will be adding those searches to the RSS feeds here. That means that whatever is mentioned almost anywhere on the web about the item I searched for will be constantly updated as new developments are found anywhere on the web. I'll be adding a new category to illustrate those searches and to bring you new search tools that you can use to enhance your searches. That category will also have links to many different search engines since the world of search engines is growing rapidly.

So how do you get the same results since you don't have a message board to post your search results on and probably don't want one either. The answer lies in a free program called Mozilla Thunderbird. It is an excellent email program that will let you aggregate all your emails from any number of email addresses you might have such as Gmail, Hotmail, and most others and get new mail from them as it comes in.
Thunderbird also has an RSS aggregater feature that lets you keep track of all your RSS feeds. So all you have to do is use the RSS search engine and put the results in Thunderbird and keep up with all the latest news related to the search you just made easily and quickly. All you have to do is put your search term in the box below and you will be taken to the search engine website and the results of your search. When you get there look in the URL bar at the top and you will see an icon that looks like this: [IMG]file:///C:/DOCUME%7E1/admin/LOCALS%7E1/Temp/moz-screenshot-7.jpg[/IMG][IMG]file:///C:/DOCUME%7E1/admin/LOCALS%7E1/Temp/moz-screenshot-8.jpg[/IMG]<img
Here is the link to that new search engine.

<div class="container"><div class="align-right box">
<a name="a2a_dd" onmouseover="a2a_show_dropdown(this)" onmouseout="a2a_onMouseOut_delay()" href="http://www.addtoany.com/bookmark?linkname=feedmysearch -Turn google searches into usefull rss feeds&linkurl=http%3A//feedmysearch.com"><img src="http://static.addtoany.com/buttons/share_save_171_16.gif" width="171" height="16" border="0" alt="Share/Save/Bookmark"/></a><script type="text/javascript">a2a_linkname="feedmysearch -Turn google searches into usefull rss feeds";a2a_linkurl="http://feedmysearch.com";</script><script type="text/javascript" src="http://www.addtoany.com/menu/page.js"></script>
</pre>
</div>
<div class="span-24 last align-center">
<a href="http://feedmysearch.com/" title="FeedMySearch ! Oh yeah !"><img src="i/feedmysearch.png"/></a>
</div>
<div class="span-24 last align-center">
<form action="http://feedmysearch.com/getrss.php" autocomplete=off>
<input type="text" name="q" id="q" value="" maxlength="255" style="font-size:1.5em;padding:.3em" class="span-10" />
<select name="where" style="font-size:1.5em;padding:.3em">
<option value ="web" >web Search</option>
<option value ="news" >news Search</option>
<option value ="video" >video Search</option>
</pre>
<option value ="blogs" >blogs Search</option>
<option value ="local" >local Search</option>
<option value ="books" >books Search</option>
<option value ="images" >images Search</option>
<option value ="patent" >patent Search</option>
</select>
<p class="box white">
</pre>
<input style="font-size:3em" type="submit" value="Feed My Search !" />
</p>
</form>
</div>
<div class="span-24 last align-center">
<h3 class="quiet">Turn your usual Google searches into tiny rss feeds.<br/>
Get instant updates whenever a new result appears <span title="On the first 30th results actually. Perfect in most cases">significantly</span> on Google<br/>
Free yourself from the noise of results moving up and down ! Only get what is new to your search.<br/>
Save time for other activities !</h3>
</div></pre>
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[creditwrench newsletter] New Post/Thread Notification: Credit repair discussions

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of The Simple Dollar.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3446

Here is the message that has just been posted:
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Image: http://farm3.static.flickr.com/2415/2089487917_ce5a8b0be4_m.jpg (http://www.flickr.com/photos/russellbernice/2089487917/)After six years of dating followed by five years of marriage, my wife and I finally decided to merge our finances together into the same accounts. We're going to use a local bank for teller purposes and paper checks, and stay with ING Direct for much of our checking and savings purposes.
*Why did this take so long?* A lot of people were surprised that we didn't just do this by default when we got married, or even earlier. There were several reasons why we did not.
First, *we didn't have genuine conversations about our personal finances before we got married.* As our relationship grew, we had deep conversations about almost everything except for our money. It wasn't until three years after our marriage (and some serious financial troubles (http://www.thesimpledollar.com/2006/11/08/the-road-to-financial-armageddon-8-meltdown/) along the way) that we finally started talking seriously about our money decisions.
Second, *we kept many bills separate from each other.* There were simply some bills I paid and some bills she paid, carried over almost directly from our dating days. In short, we just let inertia carry us, instead of rethinking things. This worked really well most of the time, but it made a clear accounting of our financial situation almost impossible. If one of us had a larger bill than normal, could we rely on the other one's income to pull us through? This was never clear, and we often just muddled through.
Third, *we were both fairly concerned about privacy.* Not so much in the sense of directly hiding things from each other, but in the sense that it gave the other person free reign to leaf through our spending, likely making judgments on our individual spending choices. It was something that we were both very uncomfortable with for a long time - and something that we've become more comfortable with as we've talked more and more about our finances.
*How did we come to this decision?* Mostly, we came to realize that we were simply in a different place than before. Instead of each of us handling our own bills and not really paying attention to what the other was doing, we were pretty clear on what we both were doing. We watched each other grow more careful and frugal with our spending and we came to trust each other's spending habits more.
We also began to realize all of the little ways our separate accounts were costing us. Instead of having a complete financial picture whenever we needed it, we often strained and stretched to cover our individual bills ourselves. We also realized that some of our banking choices were still dinging us with fees, and there was no better time than the present to start over and choose a better account.
*How did we choose a bank?* We basically did a canvas of all of the banks within a fifteen mile radius, comparing their basic checking account offerings. We wanted a free basic checking account with free checks and free online banking, plus reasonable hours. Ideally, I wanted one that I could easily reach on a bicycle ride.
Basically, we wanted easy access to a real live teller for services such as check cashing and change redemption, plus a paper checking account that had no maintenance fees, online banking access, and a wide ATM network. Since we planned on keeping most of our money with ING Direct, we didn't care about interest rates much at all - we mostly sought to avoid fees.
Knowing this, I just perused the websites of every bank in the area, gathering information about their checking accounts, and we found four that had all of the criteria we wanted. We decided to simply select the one of the four with a branch closest to our home.
*One big piece of advice* If we learned one lesson from our experience, it's this.
*Communicate with your partner about money from the beginning, and don't leave anything hidden when you talk about it.*
Complete honesty and regular, deep communication about your finances as you begin to merge other parts of your lives is vital. My wife and I now have very regular talks about our personal finances and we've moved to a complete open door policy of looking at any statements or material that comes in the mail.
This communication opened the door to financial success. We set goals together. We learned what we needed to do to reach those goals together. We created microgoals to help us get started along that path. We talked through our important decisions.
And now, our financial future is completely linked.
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Image: http://feedproxy.google.com/~r/thesimpledollar/~4/xlKlsjIfj5o

More... (http://feeds.feedburner.com/thesimpledollar)
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