Tag Archives: government

Check and Tidy Up Your Credit

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Take some time with your free credit reports and computer to clean up outstanding items.

I have very good credit and I work hard to keep it that way. I don’t ever want to be denied credit if I need it.

Start With a Clean Shop

The best way to keep your credit rating good is to follow a few simple policies:

  • Don’t sign up for a lot of credit cards. People (and, more likely, computers) who evaluate your credit look at the credit limits set up on your active credit card accounts to see what your potential total liability could be. $5000 here, $12,000 there, $9000 somewhere else — all that adds up, even if your outstanding balance is $0. After all, who knows if you’ll suddenly go on a credit card spending spree and max out all your cards?
  • Minimize personal loan use. A car loan is secured by a car. A mortgage is secured by property. A home equity loan is also secured by property. But personal loans aren’t secured at all. So if you go bankrupt, that’s just another loan a potential creditor would have to wait behind.
  • Speaking of bankruptcy, don’t go there. Declaring bankruptcy should only be used in dire circumstances — for example, you don’t have medical insurance and surgery or long-term treatment for something serious gets you in debt above and beyond your eyeballs. (Frankly, I think the government should provide medical coverage for these serious matters, but don’t get me started on that argument.)
  • Pay everything on time. Everything. Always. I’ve automated my payments through my bank account (not through my creditor’s billpay system) whenever possible. If online billing is not available, I set up to send a minimum amount to cover monthly bills so nothing is ever forgotten.
  • Don’t go into more debt than you have the ability to pay. This seems like a no-brainer, but people do it all the time. All your credit card minimum payments add up, you know. When they get to a point beyond what you can pay each month, you’ll be in serious trouble. And if you have a variable interest mortgage, remember that the monthly payments will go up soon (if they haven’t done so already) and you need to budget for that big increase. (If possible, refinance at a fixed rate or one that remains fixed for at least a few years. INGDirect has a great deal right now that you might want to check out.)

If you want to minimize interest expenses on revolving credit like credit cards, pay them on time in full every month. Not only will you save money — no interest! — but each month you’ll find yourself paying for just the things you bought in the previous month. Sure beats taking a year to pay off things you might not even have anymore.

Review Your Credit Report Regularly

Today, I took a few hours to download, review, and initial investigations for my three credit reports. It was an enlightening experience that gave me some peace of mind.

The U.S. government mandates that TransUnion, experíon, and Equifax must give you their version of your credit report once a year for free. To get your reports, go to AnnualCreditReport.com and follow the instructions that appear onscreen. You’ll have to provide your social security number and some other identifying information. You’ll then go to the Web sites of each credit report provider you selected (I chose all three) to request, view, and print your credit report. I got TransUnion’s and Equifax’s without any problem, but when I tried to get experíon’s, I entered a wrong number for a security question and was told I’d get validation info in the mail to proceed. Still, two reports were enough to get me started.

And no, you don’t have to subscribe to anything or pay $7.95 to get your credit score. (I was tempted to see the FICO number, but did not succumb.)

I found some incorrect information regarding my name (Equifax also has me listed as Maria Chilingerian, although I did not take my husband’s last name when we married and do not use the name at all) and addresses (both had a rental property I own as one of my residential addresses on file). Equifax had a bunch of former employers that were kind of scrambled up. I also found a number of outstanding credit card accounts that I’d opened in a store to get the 20% purchase discount (Old Navy, Pier One) that had never been cancelled. Equifax had a single “adverse accounts” item for an old Alltel bill I’d paid late after a dispute. Oddly enough, it was marked as paid, even though it showed up as an adverse item.

The reports color-code payment history, making it pretty easy to see how good (or bad) you’ve been at paying your bills on time. I was very pleased to see that all of my bills indicated that all payments were on time. I really do try hard.

Both companies offer online dispute investigation for items on the credit report. In each case, I logged in with special identifying information, navigated to the investigation page, and entered correct data or checked off items in a list. For example, I asked both to remove that rental property address and told them that a few credit card accounts indicated as open were now closed.

Prevent, or at Least Stop, Identity Theft

If I’d seen evidence of identity theft, there were boxes to check and forms to fill out to indicate that an item on the report wasn’t mine. This is the main reason everyone should review their credit report periodically. You can see what’s going on in your name and make sure someone else isn’t using your fine credit to finance their round-the-world cruise or new car. But in my case, although the reports were lengthy (I have a habit of taking advantage of those 0% credit card offers for exactly one year), I was personally responsible for initiating every item on them.

I should note here that I once did have my credit card number stolen and used for a handful of purchases before American Express, with the help of Sears, caught on. The whole thing took place over a period of less than a week and I was not held liable for the two charges that got through. No sign of this appears on my credit report. But if someone had opened a new account using my name and other identification information, that would have been very easy to spot.

Don’t Wait. Do it Today.

With identity theft running rampant and interest rates rising, it’s a good idea to go through your credit reports and tidy them up.

After all, who knows when you’ll want to refinance your home, buy a new car, or take advantage of one of those 0% interest offers?

Aircraft User Fees

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And why general aviation pilots and businesses should be fighting back.

There’s been a lot of talk — and fighting against — the Bush Administration’s “Next Generation Air Transportation System Financing Reform Act of 2007.” I’ll be the first to admit that I don’t have all the details. But here are a few things that seem pretty clear to me.

Higher Fees Hurt Business

The User Fee system proposed by the Bush Administration may severely cut the activities of general aviation pilots. According to AOPA President Phil Boyer, “Nine out of 10 AOPA members have told us that this would reduce, curtail, or end their flying.” What’s that going to do for the aviation industry? As current pilots who can no longer afford to fly regularly sell off their aircraft, the used aircraft market becomes flooded. Fewer people will be buying new aircraft, so manufacturers will suffer. Suppliers to those manufacturers will suffer, as will employees all around.

As costs increase for general aviation businesses like flight schools, charter services, and tour outfits, those costs get passed along to consumers. That drives prices up, possibly making these services too costly for the marketplace. There are fewer customers. Businesses fail. This continues the cycle of used aircraft sales and unemployment.

Proposal Seems to Ask General Aviation Pilots to Bail Out Airlines

Shifting the cost of ATC services from airlines — which are responsible for hundreds of thousands of passenger hours a day — to general aviation is simply unfair. Many of these companies are failing financially because of their top-heavy management organization and unreasonable pay scales. Why is it that some airlines — Southwest comes to mind — are financially fit and offer good service to their customers while other airlines — think United — can’t stay afloat without government funds and pension rule changes? Could it be that some companies are simply managed better than others?

Do you think it would be fair for all people who use banks to pay a certain tax to the government for a fund that’ll bail out mismanaged banks that go under? Like the ones that gave out mortgages to anyone capable of writing their name on a form, no matter what their financial situation was?

Or how about a tax on drivers to be put in a fund to bail out automakers who don’t build the cars we want to buy at a price want to pay?

Or a tax on homeowners living in the desert for a fund that rebuilds oceanfront summer homes destroyed by hurricanes?

Is any of that fair?

Get Involved!

If you think the administration’s proposal is a bad one — or even if you want to learn more — get involved. If you’re an AOPA member, you can sign up to get e-mail notifications of developments, as well as instructions on how you can contact your government representatives to tell them what you think.

You can also go to this page to get more information about the funding debate.

Don’t wait until it’s too late. Act now.

Congressman says he doesn't believe in God

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Some thoughts about religion and government.

Earlier this month — much earlier; I’m just catching up with my reading now — Congressman Pete Stark of California became the first high-ranking politician to admit that he didn’t believe in God.

From “Congressman says he doesn’t believe in God” in the LA Times:

“When the Secular Coalition asked me to complete a survey on my religious beliefs, I indicated I am a Unitarian who does not believe in a supreme being,” Stark said. “Like our nation’s founders, I strongly support the separation of church and state. I look forward to working with the Secular Coalition to stop the promotion of narrow religious beliefs in science, marriage contracts, the military and the provision of social services.”

I have to commend Congressman Stark on his brave stance. In a day and age when an American’s value to his country seems linked with the depth of his religious beliefs, it’s refreshing to read about someone who isn’t a “me too” member of the Christian club.

I chose the quote above because it echoes my sentiments about religion:it has no place in our government. Early settlers came to the New World to escape religious persecution — this country was built, in part, on religious and cultural diversity. The founding fathers were careful not to promote one religion over another when drafting the documents that would structure the country’s government. The First Amendment of our Constitution guarantees religious freedom. I take that to mean the freedom to believe whatever you like.

There’s no place in public schools for prayer, there’s no place in the science classroom for creationism (no matter what it’s called), there’s no place in government buildings for the Ten Commandments. There’s no reason why our rights should be limited because certain members of the government believe that certain private behaviors — homosexuality, pre-marital sex, abortion — are “unacceptable to God.”

And look what happens in a country ruled by religion — a country like Iraq. Constant fighting among members of the different religious groups — groups with different versions of the same basic beliefs. As reported just yesterday in “Shiite police kill up to 60 in revenge spree” in USA Today:

Shiite militants and police enraged by massive truck bombings in the northwestern town of Tal Afar went on a revenge spree against Sunni residents there on Wednesday, killing as many as 60 people, officials said.

You might say that the U.S. could never get like that, but consider the bombings at abortion clinics and the hate crimes against gays. We’re only a step away.

So when I read that a Congressman has stepped forward to admit that he doesn’t believe in God and that he wants to stop the “promotion of narrow religious beliefs in science, marriage contracts, the military and the provision of social services,” I feel a certain amount of hope for the future of our country.

The phrase that comes to mind is one I heard many times as a child: “Truth, justice, and the American way.” I’m all for it here.

Question the Media!

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“Critical thinking” is the antidote for “truthiness” in our public life.

As the quality of our local newspaper here in Wickenburg declines to the point that it’s not worth spending the ten minutes it takes to read each week, I found “Skepticism: The antidote to ‘truthiness’ in American government and media” by Roy Peter Clark on Poytner Online a very interesting read. In preparing for an appearance on Oprah, he made a few notes, including this one:

4. Join with others in your community to analyze how you are being served or disserved by your local news media. As famed editor Gene Roberts said about one newspaper: “You can throw it up in the air and read it before it hits the ground.” What does your community need in the form of coverage that it is not getting? Who owns the news companies in your community? Are they in the news business to serve the public or to maximize their profits?

Or push the agendas of certain special interests?

Okay, so I added that last bit. But the point is, a newspaper should provide the news. All the news that matters to the public. Every side of every issue.

The current situation in Wickenburg’s local newspaper affects me directly: for the past three weeks, I’ve been mentioned in articles in the paper, but I have yet to be interviewed by a “reporter.” Tell me: how can a serious journalist write about a topic without speaking to the people who are making it newsworthy?

I’ll tell you how. When it isn’t in their best interest or the interest of their publication to objectively report all sides of an issue.

(A side note here: Lately, a large number of people in Wickenburg are outraged by the one-sidedness of the local newspaper. It’s gotten to the point that many people have cancelled their subscriptions. (Bravo! My husband and I did this well over a year ago and the only thing I miss is the regular supply of newsprint for the bottom of my parrot’s cage. I especially miss seeing his random bird droppings on photos of particular people here in town.) Some of them have even gone so far as to write letters to the publisher explaining why they are canceling. (I doubt that those letters will appear in the Letters to the Editor pages, which are the most popular pages in the paper.) Others have pledged to let their subscriptions lapse or simply stop picking it up on newsstands. Will this revolt by the people help? Probably not. If their finances begin to feel the pain of lost subscriptions, I’m sure one of the special interests they support will step up with a bailout. Quietly, of course. That’s how most Good Old Boy transactions are handled in this town.)

Mr. Clark adds this little bit of wisdom:

5. Look for role models of candor and accountability, people in public life who have proven to be reliable over time. Look for folks within a movement or political party who have the courage to speak, on occasion, against the interests of their own party.

Or against their government or town?

Frankly, Mr. Clark’s article has a lot of good advice — especially these days, when the media is spending more time manipulating public opinion than objectively reporting what’s important in the world around us. I highly recommend it to anyone.

Hermosa Ranch Insanity (revisited)

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Clearing up a lot of misinformation.

It appears that Wickenburg’s Department of Misinformation has been working overtime on this one. Let me set the record straight:

The FAA did not approve Hermosa Ranch. Whoever told you that is either lying or using information obtained from the Department of Misinformation. In fact, I have in my possession, a letter to Miles Johnson, Town Planner and Airport Manager, from the FAA that states, in part:

Assurance 21, Compatible Land Use, stipulates that the Town will take all reasonable measures to restrict land uses adjacent to the airport to activities that are compatible with normal airport operations. Residential property in the vicinity of the airport is not a compatible land use. Airport noise will inevitably cause homeowners to complain about the airport and demand restrictions on airport operations. The FAA does not support this type of development next to the airport. In view of Assurance 21, why would the Town approve residential home [sic] so close to the airport?

Does that sound like the FAA approves of Hermosa Ranch? Right now, the Town of Wickenburg is on the verge of losing its FAA airport funding because it continues to approve residential zoning near the airport. That’s something the Department of Misinformation does not understand or want the people of Wickenburg to know.

Every single one of my petition’s signers knew exactly what he or she was signing. In explaining it, I used the same photo and illustration that appears on this site. I answered questions with facts, I presented FAA-prepared documents regarding recommended safe clearances. It took me a long time to get those signatures; people don’t just sign any old thing these days. Most people signed based on the noise concern alone. Everyone with a brain understands that people are not going to like living under the path of landing and departing airplanes. Photos and to-scale drawing of the situation do not lie. Where was this information when the project was presented to P & Z and the Town Council?

And again, why wasn’t the Airport Advisory Commission consulted about this?

And finally, it disgusts me that a printed list of people who signed my petition to stop Hermosa Ranch is being circulated and the signers harassed by the Chamber of Commerce and other people. Petitioning is a first amendment right and a government body — or representatives of that body — are violating that right when they harass people who are exercising it.

What’s going on in Wickenburg? And when is it going to stop?