Caraballo & Associates

One Item a Day…At Least

With so many roles that we tend to play in this day and age, it seems increasingly difficult to find the time to work on our short-term and long term goals. It seems more and more like we end up working on what we HAVE to instead on what we WANT to work on. If [...]

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My Secret Weapon for Credit Repair (At Least One of Them)

For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]

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Should I Accept My Loan Modification…Part 6 (FINAL)

I feel like I have writing this series for a year. Actually it has been close to half a year. My first post on this subject was in November of ’09. I actually started looking into it a few months before and sat on the decision for a while before I decided to take the [...]

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The Biggest Problems with Credit Counseling Agencies (Part 3)

The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]

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The Biggest Problems with Credit Counseling Agencies (Part 2)

Now that we know what these programs are, let’s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]

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How I Tame the Tribe Syndication “Monster” with Google Reader!

My “tribe” is getting larger these days and it is becoming increasingly difficult to keep up with all the blogs and posts that are out there. I believe I found the perfect tool for the job. It’s Google Reader! In this first video, I share a few of the features that I most like about [...]

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The Problem With Credit Counseling Agencies (Part 1)

These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc. These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let [...]

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The “Not So” Obvious Benefits of Joining a Social Media Tribe!

I am sure you have all heard the words by now Tribe,  Social Media Tribe,  Tribe Syndication Group the list goes on and on. If you have not, then here is a quick explanation. The idea of joining and working with a tribe is based on the simple concept of mastermind groups you may remember [...]

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