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Archive for August, 2009

Treats will follow beach cleanup at Wrightsville Beach

Wednesday, August 5th, 2009

WRIGHTSVILLE BEACH | Clean the beach, get some wine.The Cape Fear Chapter of the Surfrider Foundation in conjunction with Barefoot Wine will hold a beach cleanup on Wrightsville Beach Saturday morning, with the promise of wine and other goodies for participants in the afternoon.

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N.C. Senate takes up hurricane insurance plan fix

Wednesday, August 5th, 2009

Associated Press

The powerful head of the North Carolina Senate is turning his attention to the insurance woes of his neighbors now that the state budget is in hand.

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Marino on Money: August 5

Wednesday, August 5th, 2009

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This week we have been talking about establishing credit. Obtaining your first credit card or loan is challenging. Lenders require a credit history, but are reluctant to help you establish one. It really is a catch 22. Tuesday we discussed four factors that lenders consider when offering credit. These are employment history, residence history, bank accounts, and utility accounts. These factors can show stability, which is important to a lender.

If I need to establish credit for the first time, I should start with my bank. Having a checking and savings account at the same bank hopefully shows you can manage money responsibly. Also, building a relationship at a bank may carry some weight when they’re deciding whether to offer me credit. I would also look to a department store. They offer discounts on purchases when you apply for a credit card. While I never recommend constantly applying for cards to receive a discount, it is worth it to apply one time and see if you the store will issue you a credit card.

If you are fortunate enough to obtain a card, be careful. It may feel like free money when you first get it. In a way, it is free. At least until the billing cycle begins. Then, the money you borrowed on that card will probably become the most expensive loan you have ever received. Lenders look at how much credit you use. If your credit limit is $500 and your balance is over $450, your credit score will be negatively impacted. Having a credit card constantly maxed out shows a lack of fiscal discipline. So lenders may be apprehensive about offering more credit.

What if someone was turned down by their bank and a department store? Where can you receive a credit card? We will discuss that tomorrow.

If you have a financial question for Ross, you can use the Marino on Money page.

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videoMaintaining good credit is important, but first you have to establish it. Financial planner Ross Marino has some tips in today’s Marino on Money.

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Associated poll

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High beach nourishment bids could jeopardize projects

Wednesday, August 5th, 2009

By Gareth McGrathGareth.Mcgrath@StarNewsOnline.com

Local officials are frustrated and more than a bit surprised to find out their beach-building projects are in jeopardy of being shrunk or delayed because of sky-high bids to do the work.

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Opponents of ‘don’t ask, don’t tell’ meet in NC

Wednesday, August 5th, 2009

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CHARLOTTE — Groups that support the repeal of the military’s “don’t ask, don’t tell” policy for gays will bring their story to North Carolina’s largest city.

The Human Rights Campaign and Servicemembers United are sponsoring a public town hall discussion at 6 p.m. Wednesday at the Charlotte public library on North Tryon Street.

Among those who will speak are Jarrod Chlapowski, a former U.S. Army Korean linguist who decided not to re-enlist because of the policy; Alex Nicholson, executive director of Service members United who was discharged from the Army under the policy; and Julianne Sohn, who was forced to resign her commission under the policy.

A bill to repeal “don’t ask, don’t tell” was introduced earlier this year in the U.S. House.

(Copyright 2009 by The Associated Press. All Rights Reserved.)

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Groups that support the repeal of the military’s “don’t ask, don’t tell” policy for gays will bring their story to North Carolina’s largest city.

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Associated poll

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