Tag Archives: history

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?

Some Thoughts on Religion

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And a few books to back up those thoughts.

In trying [desperately] to catch up with the RSS feeds I follow, I stumbled across a three-part series of excerpts from Christopher HItchens’ new book, God is not Great.

Lately, religion has been on my mind more than ever before. Our country is being led by elected and appointed officials that repeatedly claim that their faith in God is what guides their decisions. And we’ve been sucked into a war where religion is the motive or justification for extremists to kill themselves and others.

I’ve never been a religious person. I’ve always believed that doing the right thing whenever possible is far more important than praying or going to church or skipping meat on Fridays during Lent. I’ve always been satisfied to let others believe what they want — as long as they don’t try to make me believe.

But things are different these days. Religion is causing deaths. Deaths of innocent people. Deaths of patriotic young men and women who go to Iraq with the misguided belief that they are protecting America. And it hurts me — a thinking person — to see so many lives lost or ruined every day in the name of religion. In the name of God.

Am I the only person seeing it this way?

Religious Literacy

Religious LiteracyI’m currently reading Religious Literacy by Stephen Prothero. The book is really two books in one. The first part of the book explains how important religion has been throughout the history of the United States. With the country’s Protestant background, religion was taught not only at home, but in public schools. As time passed and immigrants arrived with other religions, less religion was taught in school. Supreme court rulings that stopped school prayer pretty much put an end to religion in school. As a result, Americans have what Prothero refers to as a religious illiteracy.

It’s interesting to note here that Prothero makes a very good distinction between teaching religion and teaching about religion in school. While he apparently agrees that school should not be used to preach religious theories or convert students to any one set of beliefs, he believes that a curriculum that covers the basics of all major religions would be beneficial. He believes that only through knowledge of what these religions involve — beliefs, rituals, histories — can an educated person discuss and make informed decisions about what’s going on in today’s world. I couldn’t agree more — which is why I bought the book. The President may not understand (or care about) the difference between Sunni and Shi’a Muslims, but I do.

The second part of the book is a glossary of the world’s religions. Important terms are clearly defined, giving the reader a good base of knowledge. I think of it as World Religions 101. And although Prothero is quick to say that the information in Chapter 6 of his book is not all inclusive, I believe it’s a very good start for anyone interested in learning about the beliefs and histories of other faiths.

In any case, I highly recommend the book. Although the first part is a bit dry and repetitive, the second part is sure to fill a lot of holes in your knowledge of world religions. Best of all, Protheros makes no judgments at all, so his book will appeal to believers and non-believers alike.

What I Believe

As I mentioned earlier in this entry — forgive me; I still have a terrible cold and am having trouble thinking linearly with a headache and hacking cough — for the past year or so, I’ve been thinking a lot about religion. And I’ve recently concluded that I’m probably an athiest.

I say probably, because I’ve always been agnostic, even as a youngster. The conscious conclusion that I’m a non-believer was not easy to make. But looking back on the decision-making process now, I can’t understand why. It makes more sense to me that there isn’t a God than that there might be.

Before I go any further, please spare me the irate comments about my beliefs. If you think all atheists will rot in hell, fine. You don’t need to clutter up the comments for this post or send me nasty feedback to warn me. For obvious reasons, I don’t believe that. And if you feel that you can no longer read my books or follow my blog because of my religious beliefs (or non-beliefs), you can keep that to yourself, too. People who feel that way are just an example of what’s wrong with religion in this country (or world). Too many closed minds, too much intolerance.

And, of course, I won’t try to convince believers that they shouldn’t believe. I have a lot of respect for people who can have faith in God or religion — both of which were invented by man. If going to church on Sunday or praying facing Mecca five times a day makes you feel good, great!

But if your religious beliefs are causing you to do evil things — discriminate in employment or housing, deface or vandalize private property, or harm innocent people — it’s time to take a real look at what your God really means to you.

God is Not Great

The God DelusionI’ve been waiting for a chance to read The God Delusion by Richard Dawkins for some time now. (It’s on my Amazon.com Wish List.) I’ve listened to Interviews with Dawkins on the Penn Jillette Radio Show (Penn is an atheist) and on the NPR show, Fresh Air. Although he comes off as a snobbish elitist — it might be the accent — I do agree with much of what he has to say. Listening to his views is part of what brought me to my decision about my own beliefs. It was the first time I’d heard anyone present the atheistic view in an intelligent, educated, and persuasive way.

God is Not GreatToday, I stumbled across excerpts from Christopher Hitchens’ God Is Not Great on Slate.com. One paragraph in the first excerpt really brought things home to me:

While some religious apology is magnificent in its limited way — one might cite Pascal — and some of it is dreary and absurd — here one cannot avoid naming C. S. Lewis — both styles have something in common, namely the appalling load of strain that they have to bear. How much effort it takes to affirm the incredible! The Aztecs had to tear open a human chest cavity every day just to make sure that the sun would rise. Monotheists are supposed to pester their deity more times than that, perhaps, lest he be deaf. How much vanity must be concealed — not too effectively at that — in order to pretend that one is the personal object of a divine plan? How much self-respect must be sacrificed in order that one may squirm continually in an awareness of one’s own sin? How many needless assumptions must be made, and how much contortion is required, to receive every new insight of science and manipulate it so as to “fit” with the revealed words of ancient man-made deities? How many saints and miracles and councils and conclaves are required in order first to be able to establish a dogma and then — after infinite pain and loss and absurdity and cruelty — to be forced to rescind one of those dogmas? God did not create man in his own image. Evidently, it was the other way about, which is the painless explanation for the profusion of gods and religions, and the fratricide both between and among faiths, that we see all about us and that has so retarded the development of civilization.

This is how an intelligent person looks at religion — all religion — from the outside. And — fortunately or unfortunately — this is how I look at religion these days, too.

Needless to say, this book is now on my Wish List.

Why Tell You?

I don’t know what I’m hoping to achieve by presenting my thoughts about religion here, in this blog. I think it’s just my way of getting things straight in my own mind.

Please remember that this blog began back in 2003 as a personal journal — my way of recording the things that go on in my life and mind. I think this entry is in tune with that purpose. Years from now, I’ll look back on these words and remember what I was reading and thinking in these sad, confused times.

But maybe — just maybe — my thoughts might help a few readers clear their minds on these issues.

The Lost Painting

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History that reads like a novel.

Book CoverI saw The Lost Painting by Jonathan Harr in a copy of Bookmarks, a magazine full of book reviews. I added it to my Amazon.com wish list.

The Taking of ChristThe book is an account of the finding of a painting by Caravaggio, a 17th century Italian artist. The painting, called The Taking of Christ, was found in the 1990s by a restorer.

Evidently, many paintings from that time were lost — they’d be sold by the artist or a dealer to a wealthy patron or art collector to be hung in a home. Over the years, the paintings would be moved around, handed down to descendants, sold, and resold. The records regarding these paintings were not always complete, so paintings would disappear from the records and thus “disappear” from the art world. In some cases, a painting’s value would be understated and the painting, aged, dirty, and possibly damaged would simply be discarded by an owner. Many masterpieces were lost this way.

The book tells the story of how two art history students stumbled upon some evidence that the painting had been sold to a Scotsman in 1802, who believed the painting was done by a different artist. The painting was then traced to an auction house where the trail went cold. Had it been sold? No one knew. And no one knew what had become of it.

The book is written like a novel, complete with dialog and some characterization. But all the characters are real people, many of whom were interviewed by the author during his research. This keeps the book from being a dry history tome. Instead, it has life and is quite interesting to the average reader.

The book was listed on the New York Times Book Review 10 Best Books of the Year for 2006. The edition I read included an epilogue by the author which covers the discovery of another version of the same painting.

I recommend the book to anyone interested in art, history, art history, or the process of searching for lost artwork.