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Every year I hear different New Years resolutions from people: eat less chocolate, exercise more, stop throwing things at the television during basketball season. Even though the resolutions are different, the results are all the same. People rarely make it past February before everything returns to the status quo. Unfortunately, their lack of resolve applies to me as well. This year will be different, however, so look out for a new, slimmer Billy Bad Score, with more hair on his head, in 2012! Okay, maybe not. But I still plan on fulfilling my other resolution: causing mischief for people who need good credit scores to have a happy New Year.

See, most people who are determined to take control of their credit scores often make resolutions involving finances. Whether they vow to avoid weekend shopping sprees or stop switching phones every few months, money is the main motivation. And when the pressure to break these habits becomes too much to handle, Im there to remind them about the pitfalls of bad credit scores. By the time I show up, those people are too busy rustling through shopping bags or synching email accounts to notice me.

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I spent December mostly working and the first weeks of January mostly planning but I am glad to be back at the blog.

The post title is self-explanatory and focuses gives some ideas on investment issues to pay attention to in 2012. I will be blogging about some of these issues in depth for the next 4 months (as you may know, this blog ends April 30 of this year). Without further ado,

  1. Work on one aspect of your personal finances this year. Studies show the more diverse your goals, the less likely you will achieve any of them (my review on the book Willpower will be posted this month)
  1. Setting a goal and achieving it are two different concepts. Track your goal religiously and have an accountability partner to help you.
  1. Remember you are ultimately responsible for the outcomes in your life.
  1. Do not forget to work on your human capital. Find ways to increase your earning potential through skill improvement, networking and gaining new experiences.
  1. Returns on the market have always been unpredictable.

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Another One and Done Streak! We have not had a nice streak of one and done trading in awhile. Normally we have 2-3 days a week of one and done trading and 2-3 days a week of recovery trading. Trading really is all about the recovery, but it sure is nice to have quick one and done days! Especially with the volume being so low. It’s literally like watching paint dry!

So all last week and up to day – all one and done! Nice way to start the year!

If you are ready to learn how to day trade for a living, have a look around our site! Ask questions, and see if Tick Trading is right for you!



The Supreme Court this week issued a ruling that could have negative consequences for consumers struggling with credit card debt. According to the new ruling, credit card companies and other lenders (with the exception of mortgage lenders) can continue to include arbitration clauses in their agreements.

In order to understand why so many consumer advocates are outraged over the decision, it’s essential to understand what arbitration clauses are and how they work (hint: it’s almost always against the interest of consumers).

Understanding Arbitration Clauses

In essence, arbitration clauses are bits of legal language in a loan or credit card agreement that say all disputes concerning loan repayment terms must be settled in arbitration rather than taken to court.

Because these clauses are part of loan contracts, consumers must agree to them in order to get access to most loans—including credit cards, student loans and others.

But the arbitration process, which is consumers’ only recourse for disputes over credit card charges and fees, has been shown to be unfair to consumers. Here’s

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    A credit report provides a snapshot of a persons ability to manage credit over time. The report includes most revolving credit lines, automobile loans, home mortgages, student loans and other debts. Information such as bankruptcies, tax judgments, and other public records may also appear on the report.

      • An account may be indicated as derogatory at any point that it has a delinquent credit history. An account that is 30 or more days past due, or that is a repossession, has been placed for collection, written-off, foreclosed or included in bankruptcy is considered derogatory. A creditor can also use certain codes in the narrative section of the credit report that are classified as derogatory. These include remarks such as account placed for collection or account placed for garnishment.”

      • Historical delinquency may also cause an account to be considered as derogatory.

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