Caraballo & Associates

This is my official apology to Stephen R. Covey. The Best selling author of The 7 Habits of Highly Effective People
I am currently reading this book because it is required reading in a psychology class I am taking. When I first found out that this was the book that I had to read for the [...]

Here is the simplest way I have found to order your free annual credit report. I have included step by step instructions on how to do it.
The only site you should be using when ordering your free report should be https://www.annualcreditreport.com
Don’t go through any other sites that may have a mix of these words or other [...]

Ok, so last time I wrote about this I was left a little confused. I was not given clear information, everyone I spoke to gave me a different answer to the same question, etc. etc.
(Remember that I am sharing the story while at the same time what you see in italics and bold is me [...]

I recently had a run-in with the law. I was stopped by a police officer for speeding.
(I could end the lesson right here by telling you that if you stop speeding you can save yourself possibly hundreds if not thousands of dollars per year and be perfectly justified.)

Lower pollution
Less chance of accidents
Less wear and tear [...]

This section is dedicated to you and what YOU do! Feel free to post a comment with your bio, business description or whatever else you think you would like to share about yourself. Free promotion for you and your business. Add to your visibility and pick up some extra business while making new friends.
Enjoy.
Jose H. [...]

Ok, I admit it!
I do partake in the guilty pleasure that is Farmville. I was basically forced to do so by some of my friends and colleagues. “Join, join I need neighbors” they would tell me. “It’s so fun with the little person and the cows and ducks and such”. I must have turned down [...]

This will be a series of posts where I share with you a step-by-step account of what I am seeing, hearing and doing while I attempt my loan modification. Because of my background in mortgages and finance, I know some of the question to ask. So as we go along I am going to add areas of concern or advice on what I think should be done at certain points.

I recently came out of an era of my life where I was so overwhelmed that I did not know what to do with myself. I felt like I was playing catch-up from the moment I opened my eyes in the morning. You know that feeling, “I have so much to do today, there is no way I can get it all done.” What a way to start the day huh?