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Once upon a time, hunting for a summer job was as easy as a walk on the beach. The problem was less about finding work than about which opportunity to choose. Now, as the economy continues to struggle, it’s not quite as easy, but with a little diligence and creative thinking, you can find the perfect gig for extra spending cash this summer.

Do friends and family know you are looking for a job? If they don’t know you are searching, they won’t know to tell you when they see a “Help Wanted” sign or hear of the perfect opening. Do you have an uncle that owns a landscaping business or a second cousin who runs a summer camp? Don’t be shy about asking folks you know if they will hire you for the summer – they may be looking for seasonal help.

You need to do more than pound the pavement to find a summer job. While you should be looking for “Help Wanted” signs while you’re out and about, the Internet is full of resources. Your city’s Craigsl

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The Lowest Price we could find is $29.95 $8.75

You have more information at hand about your business environment than ever before. But are you using it to out-think your rivals? If not, you may be missing out on a potent competitive tool. In Competing on Analytics: The New Science of Winning , Thomas H. Davenport and Jeanne G. Harris argue that the frontier for using data to make decisions has shifted dramatically. Certain high-performing enterprises are now building their competitive strategies around data-driven insights that in turn generate impressive business results. Their secret weapon: Analytics: sophisticated quantitative and statistical analysis and predictive modeling. Exemplars of analytics are using new tools to identify their most profitable customers and offer them the right price, to accelerate product innovation, to optimize supply chains, and to identify the true drivers of financial performance.

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Thanks to two recent settlements, marketers who sold consumers on deceptive claims that they could reduce credit card interest rates have been put out of business, according to a recent announcement by the Federal Trade Commission.

The companies claimed, falsely, that they could reduce consumers’ credit card interest rates and lower their debts. They committed the scam by breaking telecommunications laws; infractions included the use of illegal robocalls and calling people on the federal Do Not Call list.

“The last thing debt-ridden consumers need is to be deluged by illegal robocalls — especially when all the calls are offering is a scam,” FTC Chairman Jon Leibowitz said in a December 2009 press release about companies accused of this practice.

The settlements announced last week resolve charges against five companies involved in two separate scams. In one scheme, consumers received automated phone calls that many believed came from their credit card companies.  The ca

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Debt collectors from Pinnacle Financial Group have been contacting former patients about alleged hospital bills/debt from the former Pascack Valley Hospital, which is now out of business. Consumers should be aware that in some instances Pinnacle Financial may be calling about a debt that is incorrect, invalid or outside of the statute of limitations.

If you have received a letter or call from Pinnacle regarding a Pascack Valley Hospital debt that you allegedly owe, you must contact them in writing within 30 days of receipt of the letter or it will be assumed the debt is valid. Any communication to a debt collector should be sent certified mail so you can confirm that you did indeed send the response and that it was received by Pinnacle. If the debt is over 6 years old, it could be outside of the New Jersey Debt Collection Statute of Limitations, that information should be included in your letter as well.

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The moment I placed myself in front of the computer screen a whole new world beckoned me to join it. And years of strolling have proved incompetent to get me acquainted with the full panorama of computers. You have always wanted one in your home. But something is stopping you. Bad credit? Do I hear bad credit? You think bad credit can stop you from getting your computer financed. Which world are you living in? You certainly need a computer. Computer financing for bad credit can enable you to get your very own home computer, lab tops, desk top or any other computer requirement.

Credit can be marred at any stage due to a number of reasons. Late payments, inflating debts, bankruptcy, county court judgments, arrears, any court case all can result in impaired credit. Jaundiced credit report can falter you probability for getting computer financing. Yet the odds are not that diffuse for bad credit computer financing. First of all realize that computer financing for bad credit is not a Gordian knot.

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A new study from credit analytics company SubscriberWise revealed that less than two tenths of one percent of the scorable population achieved the highest possible Fico score.

So just who are these consumers with 850 Fico scores anyways?

Well, the company found that the median age of these credit-elites was 61, having a birth year all the way back in 1950.

The oldest person to achieve credit score-perfection was born in 1922, while the youngest was born in 1967.

In other words, it takes a while to achieve a perfect credit score, even if you’re doing everything right.

This probably has to due with the fact that credit scoring takes into account the length of a consumer’s credit history, including the age of their oldest account on their credit report, whether it’s opened or closed.

So you really need to build your credit history early on to ensure you have excellent credit in the future.

Simply paying bills on time, keeping balances low, and applying for new credit sparingly won’t be enough for that perfection you seek.

Some gray hairs also seem to be a necessity…

For the record, the SubscriberWise study was based on data from a quarter of a million credit reports, so it seems pretty thorough.