For most of our lives, we take what life hands out to us, making ourselves feel better with a little retail therapy. So what if our boss lords it over us and makes our lives miserable. That's alright if we earn enough to put food on the table and clothes on our back. Except, every now and then, we hit something that rankles. Like when our insurer decides to increase the premium rates on our vehicle insurance just because our credit score dropped a couple of notches. It's not as if we suddenly turned into the Terminator, smashing up everything in our paths. We're the same careful driver as yesterday. Still no accidents. Still no tickets. Yet just because we started paying down our credit card debts, we suddenly have to pay more for our insurance. . . That can't be right.
Sadly, that's the way it works around most of the US. And not just for insurance. There's many an employer who prefers to hire someone with a good score. There's many a landlord who only rents out to those who can apparently afford to run five or six cards with big debts. Yes, that's right. People earn the highest scores when they manage their debts well. Your score drops if you pay down your debts and cancel the cards with the highest interest rates. Except, of course, as this recession rumbles on and unemployment remains a threat, there are many always on the verge of financial disaster and the scores reflect that as well. Ask an honest insurer and you get the answer. Desperate people are so short of money, they fail to maintain the vehicles. The tires get worn down, the brake pads wear thin. They are accidents waiting to happen. Worse, they are tempted into fraud and crime. They fake the theft of their vehicles to claim the fair market value. They are a liability. So we all get tarred with the same brush and, even though our driving stays safe, we are asked to pay more.
So now is the time to check out your credit history. The Fair Credit Reporting Act (FCRA) is of the few statutes that works, forcing Equifax, Experian and TransUnion to give you a free copy of your credit report every 12 months. When you get the reports, check for every mistake. You have a right to have your records corrected. Once the basic records are accurate, your score may improve. Then you wish you lived in Oregon.
There's a new law that forces insurers to lower their rates if the credit scores for Oregonians improve. In the first year of operation, about 8,000 people asked for their premiums to be rerated and earned an average saving of $100 on both homeowners or car insurance quotes. So if you live in this wonderful state, use the FCRA and then ask for a rerating. This costs you absolutely nothing in fees and could save you $100 plus on each policy you hold. So instead of getting your car insurance quotes and then renewing the current policy on auto pilot, be proactive and protect your interests.
Want to read the latest news and discussions from David Mayer? Visit http://www.insurtipsonline.com/articles/credit-scores.html to get his latest insights on many different subjects in the world.
Should I leave my wife and family for another women?
Ok so here's my story.... I met my wife after high school. We dated secretly because I was much younger then her and she didn't want anyone knowing about us for about a year. We fought all the time because of her ex-boyfriend. We finally ended our relationship and she got engaged to her ex about a week or so later. She then found out that she was 4 weeks pregnant with my child. She first told me that she thought she might be pregnant and then later lied to me and told me she wasn't. Her and her ex decided they would get married and say the child was theirs. She finally decided not to do so and told me that she was pregnant. I was devastated because I already started to move on with and plus I was only 19 at the time. A few months passed and we reconciled our relationship and decided to marry. After the baby was born we got married. At the time I felt pressured to do the right thing and marry the women who was having my baby. It wasn't even 6 months when I first cheated on my wife. I wanted to leave her right there and then but tried to work things out. As the years have gone by, our marriage has faced difficult times. We have went through financial problems, mostly caused by her stupid decisions(pad day loans, overspending, max outed credit cards, ect) as well as the death of my father. This all took a toll on me throughtout the years, and the only way I felt better was by my infedilty. I had numerous affairs, all discreet and my wife knew nothing of them. After 8yrs of marriage I met someone who would change my life. The problem was that I never disclosed to her that I was still married. She lived a couple hours away, and I was able to see her a lot because we worked for the same company. After 3 mos. of rendevous with her, I fell in love with her. It came to the point where I was about to leave my wife and my 2 daughters to be with this women. A day before I was about to leave them, my wife found out about the affair. She confronted me and I told her the truth. Within 24 hours she was moved out of our 2500sq ft home. I couldn't afford the house so I moved out as well. On my last day of moving I looked at my empty house and felt the guilt of what I just had done. I decided to ask my wife for forgiveness and wanted to try to work things out after seeing how miserable my girls were after what just had happened. My wife agreed and I had to tell my girlfriend the truth about my marriage. She was heartbroken. I agreed to my wife that I wouldn't contact her anymore. A few weeks had passed and I couldn't stop thinking about my girlfriend and what I had done to her, I contacted her and decided to again leave my family to be with her. Once I got there, I received a message from my mother that again made me feel very guilty. A few hours later I left my girlfriend in the middle of the night to go back home. I again begged for forgiveness. I agreed to go to marriage counseling to help us through our problems. I also transfered my work to the city where I lived to get away from my girlfriend. Two months had passed where I didn't see or talk to my girlfriend, and I had to see her at a meeting. BTW my wife and I were still seperated living in different locations but working on things. When I saw her at the meeting, all the feelings began to come back. I went up to her and apologized and she accepted my apology and told me she still loved me. My mind was clouded with confusion. What do I do? We continued to talk on the phone but I told her I wouldn't end my marriage until after the holidays. Well to make a long story shorter...It's now July 25th and I still haven't made up my mind. I have been living with my wife and kids for 6 months now. My girlfriend has given me several dates where she wanted me to leave my wife and I have failed to meet them. These are my thoughts on both of my relationships. First of all, my wife... She has controlled her spending habits and our finances are getting a lot better. She is a great mother and a better wife. I know she hates me at times for the affair I had. I am not sure if she will ever get over it. I have regrets over marrying at such a young age and not really experiencing life. I love her but I am not in love with her. We do not have any similar interests at all. I am very athletic and like to do a lot of outdoors stuff but she would rather just sit and home and hang out and watch a movie. We have tried doing things together but she doesn't like it and I can tell. I am very frustrated that we do not do anything together. Our therapist tried giving us different things to try but never worked out. Last but not least the sex is ok... On the other hand, my girlfriend and I have a ton of stuff in common. We like all the same things and we have very similar interests. She makes me laugh and I enjoy her company very much. She makes me feel like a different person. My biggest concern was that she lives far away but recently she h
Answer
Wow, Sam. You have made a huge mess of things!!!
I understand you are haunted by "what if's" because of how you two got married...you need to stop allowing those thoughts to invade your head...right NOW! You are married now, with 2 daughters who need their father in their life...If you are not there, I can guarantee you that one or both of them will find a "father figure" in the first man that gives some attention when they are teenagers.
Sometimes, marriages just don't work...but it's because one or both of the parties gives up, not because of all the circumstances you listed above. You are a serial cheater, just because you have gotten attached to this "girlfriend", doesn't mean this affair is any more "justifiable" than all the others were. You either need to decide to be faithful to your wife OR file for divorce. All this back and forth is worse on your wife than your affairs...be a man and take responsibility for the choices you have made.
BTW, my guess is if you do leave your wife and go with woman, I give it 3 months max. At some point, all women realize "if he did it to her and his kids, he'll do it to me". Your girlfriend is better than "seconds". So is your wife.
Are you going to continue to be a "boy in heat" Sam, or are you going to be a MAN?
Best wishes
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