Coca-Cola won’t reveal its secret ingredient, Colonel Sanders keeps his special combination of spices in a vault, and Moish the Morasha baker won’t tell anyone the secret recipe for his delicious cinnamon buns.
Likewise, no one seems to know exactly the formula for how the credit agencies determine people’s credit scores. Credit repair
“Having no credit history can be as detrimental, or worse, than having a bad credit history.”
There are five factors that make up your credit score:
1) Payment History: Your payment history accounts for 35% of your credit score. The goal is to establish a record of full, on-time payments. Recent history is given more weight.
2) Amounts Owed:
Each season, fashion designers present flashy, exaggerated womenswear and menswear designs that quickly translate into the latest retail trends to market to the masses. What finally hangs on the rack at the mall is often a dramatically tamed-down version of what first appeared on the runway, but fashionistas can see the connection.
A similar migration of
When I lived in the United States, I enjoyed the variety of architecture found in my neighborhood. Typically, the homes were colonial houses with their symmetrical front facades and accented doorways, split level homes with staggered floors, one-story ranch houses, and enchanting Tudors with pitched roofs, herringbone brickwork and touches of
We’ve already explored some topics relating to mortgages, such as when to apply for a loan, credit scores, using gifts for a down payment, and interest rates. Here are four more frequently asked questions on mortgages that will help you gain clarity on this often confusing process.
How much money will I save by choosing a 15-year rather than a 30-year fixed
In early December, the Knesset Finance Committee approved a new law to double the property taxes on “ghost apartments” or secondary residences that sit vacant for at least nine months a year. This law was enacted on a two-year temporary basis, to determine its effect on the housing market. The number of ghost apartments in Jerusalem varies greatly based
“The Perfect is the enemy of the Good.” —Voltaire
Q. When it comes to your finances, should you be willing to settle for anything less than the very best?
A. Maybe. Especially if pursuing the “very best” delays or disrupts steady progress.
The recently released book, On Settling, by social theorist Robert Goodin presents an
Buying a home can be a scary prospect and one of the biggest decisions you and your spouse will make, so if you are in the market for a house, most likely you’re also in the market for a mortgage. As with all important decisions, the best way to approach the mortgage process is to be informed. Below are the first six of some of the most common questions
2013 has been a busy year for Israeli residential real estate. Let’s review the past twelve months’ activity and try to identify market trends going forward in 2014.
In 2013, there was no slowdown in real estate sales activity despite efforts by the Israeli government to reduce demand by imposing new mortgage restrictions
Unless you have been asleep under a rock for the past few years, you are probably aware that a few bad apples, whose extremism and intolerance are against everything that Judaism stands for, have blemished Bet Shemesh’s reputation. Now that I got that unpleasant part out of the way, let’s discuss what a great town Beit Shemesh really is.
Nachlaot is a cluster of over two dozen Jerusalem neighborhoods centrally located between Sha’are Chessed and the famous Machane Yehuda shuk. Nachlaot, which means lands of inheritance, became home to communities of Jews who emigrated from many different lands throughout the Diaspora.
Nachlaot’s neighborhoods were established beginning in the 1870s
(Bet Shemesh, Israel)—Twenty English-speaking families in Israel have signed on to join a new community in a prime suburban setting inside the popular town of Ramat Bet Shemesh. Ganei HaEla (www.ganeihaela.com) will be led by Rabbi Dovid Gottlieb, a dynamic and well respected