Who are the  Fingerlings:  They are the number one requested toy and sold out in most stores.  They fit in the palm of your hand, bright in color ( blue, black, teel, pink, white, purple)  and have a fluffy mohawk. They are a family    of tiny monkeys that latch onto your finger and respond to voice, movement and touch by blinking, babbling and blowing kisses with more than 40 animations and sounds .When you tap their heads they burp, if  you hang them upside down they laugh, they coo and doze off to sleep when you rock them. Kids love them. You can find them at https://mommaj.myshopify.com/products/fingerlings-pink-with-bonus-stand-bought-in-us-bella.

Raising your credit score saves big money when buying a home

According to a Federal Trade commission study, one in 4 consumers have identified errors on their credit reports that might affect their credit score.  Some studies report as many as 4/5.

Did you know that your credit could be pulled for any of the following?
~jobs
~car loans
~home loans
~car insurance
~cable
~internet
~cell phone
~credit cards
~life insurance
~utilities
A higher score gets you a better interest rate on any money you borrow. A higher score indicates to lenders that you are a trustworthy borrower and this reduces the interest you must pay. Landlords may check your credit to deny or accept your application. The lower the score, the higher the deposit required could be. Cell phone providers, insurance companies and utilities may check when they are trying to decide the amount of deposit to charge you.
Smartasset.com gathered information of just how important credit scores are and gathered data before and after a 50-point increase in average credit scores in home purchases. They ranked areas where homeowners can save most by raising credit scores.
1. Homeowners in the Bay area have some of the highest housing cost in the US. The average home is worth around $718,000. In their study, if the credit score rose from 671 to 721, the mortgage rate would drop from 4.29% to 3.72% and that change would allow a savings of around $87,000.
2. In Hawaii, the average credit score is 691. The average homeowner could get approved for a mortgage of about 4.38%. After increasing the score to 741, it was estimated that the interest rate would go down to 3.81%. This would save the homeowner around $75,160 over the life of the loan.
3. Another example given in the study was the Santa Barbara -Santa Maria area and in their area, there are lower credit scores. Low score mean higher rates. The expected mortgage rate would be 4.63, when the score is raised by 50 points, mortgage rate dropped to 4.06. Total saved with this credit score increase is estimated at $65,000.
4. In Los Angeles, the average home is worth 540,600 in 2015. By improving their credit score by 50 points, estimated savings would be $65,566 over the life of the loan.
5. In San Diego, the 50-point increase in credit score when buying a home would save the homebuyer about $58,526.
The list goes on and on!

There is help available at WWW.fesconnect.net/JWarren7