Friday, November 1, 2013
Wednesday, October 30, 2013
Monday, October 28, 2013
Where to get a free credit report?
I have try it before post here at my blog.and it is what They said on their website
Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get a truly free credit score with no hidden costs or obligations. Based on your score, you gain access to exclusive offers from companies that value your creditworthiness.
The premise of consumer Credit Scoring is that people with good credit pay their bills on time, are less likely to go into collections, and tend to waste fewer company resources overall. These factors translate to higher profitability for that company and make that customer more desirable.
When you access the free credit score, Credit Karma will show personalized offers to you based on your credit profile . These offers are from advertisers who share our vision of consumer empowerment. If you wish to take advantage of Karma Offers, it is up to you. Credit Karma will never share your information without your consent.
Credit Karma messages are one way broadcasts from our partner companies. Our advertising partners provide personalized offers and Credit Karma matches them with appropriate people, never disclosing the user information unless the consumer responds to the offer. This protects your privacy and allows you to control who receives your data.
About CreditKarma
Credit Karma offers a new way to track your credit score and a unique way to benefit from it. For the first time you can get a truly free credit score with no hidden costs or obligations. Based on your score, you gain access to exclusive offers from companies that value your creditworthiness.The premise of consumer Credit Scoring is that people with good credit pay their bills on time, are less likely to go into collections, and tend to waste fewer company resources overall. These factors translate to higher profitability for that company and make that customer more desirable.
The principle of Karma is common to many beliefs. The general idea is that any action a person takes either positive or negative, will have an inevitable equal effect in the future. Your credit score is kind of an expression of this concept; an index of your credit history: your Credit Karma. Credit Karma embodies the best parts of these two disparate yet similar concepts to help people stay aware of their Credit Score and gain access to exclusive deals at the same time.
Our services start with a free credit score. No credit card is required and no strings are attached. Return as often as you like and use our service to track your credit file and stay informed. Credit Karma believes this is a fundamental consumer right. Credit Karma will continue to provide these free credit scores while doing the most to protect your privacy regardless if you use our other services.
When you access the free credit score, Credit Karma will show personalized offers to you based on your credit profile . These offers are from advertisers who share our vision of consumer empowerment. If you wish to take advantage of Karma Offers, it is up to you. Credit Karma will never share your information without your consent.Credit Karma messages are one way broadcasts from our partner companies. Our advertising partners provide personalized offers and Credit Karma matches them with appropriate people, never disclosing the user information unless the consumer responds to the offer. This protects your privacy and allows you to control who receives your data.
Unlike the traditional credit marketing world where businesses buy and sell your personal information without your knowledge and then chase you with offers, Credit Karma tries to give the power and the choice back to you.
The cost of a nation of incarceration
(CBS News) Is it fair to call the United States the "incarceration nation"? That's what some experts say. And even some veteran law enforcement and correction officials think something's gone wrong. Our Cover Story is reported now by Martha Teichner:
At the Gadsden County Jail near Tallahassee, Fla., there are bunks, and mattresses on the floor.
The jail has a capacity of about 150 inmates, but there are presently 230 inmates in the facility right now.
Walter McNeil, president of the International Association of Chiefs of Police, sees the same story everywhere he goes in the U.S.
A sign of overcrowding at Gadsden County Jail in Florida, where there are more inmates than beds.
/ CBS
That's nothing compared to California. Overcrowding was so bad there, the U.S. Supreme Court called it "cruel and unusual punishment," and last May ordered the state to cut its prison population by more than 30,000.
Nationwide, the numbers are staggering: Nearly 2.4 million people behind bars, even though over the last 20 years the crime rate has actually dropped by more than 40 percent.
"The United States has about 5 percent of the world's population, but we have 25 percent of the world's prisoners - we incarcerate a greater percentage of our population than any country on Earth," said Michael Jacobson, director of the non-partisan Vera Institute of Justice. He also ran New York City's jail and probation systems in the 1990s.
A report by the organization, "The Price of Prisons," states that the cost of incarcerating one inmate in Fiscal 2010 was $31,307 per year. "In states like Connecticut, Washington state, New York, it's anywhere from $50,000 to $60,000," he said.
Yes - $60,000 a year. That's a teacher's salary, or a firefighter's. Our epidemic of incarceration costs us taxpayers $63.4 billion a year.
The explosion in incarceration began in the early 1970s - the political response to an explosion in urban violence and increased drug use.
"So 'Tough on crime,' 'three strikes, you're out,' 'Let 'em rot, throw away the key' - all that stuff resulted in more mandatory sentencing, longer and longer sentencing," said Jacobson.
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