Recent articles by Jim DeSantis.http://www.trcb.com/en-Us60Thu, 9 Feb 2012 21:19:56 ESTCopyright 2012 Jim DeSantis, TRCB.com All Right Reservedhttp://www.trcb.com/finance/credit-tips/5-credit-tips-used-by-the-top-5-to-cut-costs-of-credit-and-insurance-70203.htmHaving a credit card means you can buy tickets, rent cars and book hotel rooms. But, in spite of convenience, your credit report can mean you have to fork over higher deposits and fees for that convenience. There are 5 ways to avoid paying more for credit.Sun, 29 Jan 2012 16:23:11 ESThttp://www.trcb.com/finance/credit-tips/5-credit-tips-used-by-the-top-5-to-cut-costs-of-credit-and-insurance-70203.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/health-and-fitness/diseases/prevention-and-medication-for-acid-reflux-or-heartburn-66333.htmDigestive system disorders are the most common that people will experience on a daily basis. The main disorder is heartburn, which is associated with acid reflux. How can you know if you have acid reflux disease or just a temporary discomfort caused by something you are doing? Sun, 29 Jan 2012 16:21:31 ESThttp://www.trcb.com/health-and-fitness/diseases/prevention-and-medication-for-acid-reflux-or-heartburn-66333.htmTRCB.comHealth and Fitness / Diseaseshttp://www.trcb.com/health-and-fitness/men-issues/a-sensitive-approach-to-premature-ejaculation-65824.htmLet's agree that this is a sensitive subject. Millions of men suffer from premature ejaculation and at least half will not admit it or seek help from a physician because, well, it's embarrassing to talk about for some of these men. So many men turn to the Internet for solutions and get ripped off in the process.Sun, 29 Jan 2012 16:21:01 ESThttp://www.trcb.com/health-and-fitness/men-issues/a-sensitive-approach-to-premature-ejaculation-65824.htmTRCB.comHealth and Fitness / Men's Issueshttp://www.trcb.com/internet-and-businesses-online/email-marketing/the-thing-about-autoresponder-stupidity-68118.htmThe purpose of autoresponder email programs is misunderstood and, therefore, misused. It's a fact that an email response program is undoubtedly one of the best marketing tools you can get but, at the same time, can be the worst thing you can do for your business. Tue, 03 Jan 2012 18:27:17 ESThttp://www.trcb.com/internet-and-businesses-online/email-marketing/the-thing-about-autoresponder-stupidity-68118.htmTRCB.comInternet and Businesses Online / Email Marketinghttp://www.trcb.com/home-and-family/fatherhood/its-all-dads-fault-65723.htmMaking some sense of how children blame parents for their choices in life is exasperating. What can you do?Tue, 06 Dec 2011 14:45:12 ESThttp://www.trcb.com/home-and-family/fatherhood/its-all-dads-fault-65723.htmTRCB.comHome and Family / Fatherhoodhttp://www.trcb.com/relationships/dating/making-the-most-of-speed-dating-and-blind-dating-40664.htmSpeed dating and blind dating are almost always shown to be hilarious in TV and movies. Occasionally, they are used as plots for dangerous characters committing despicable acts on unsuspecting women. Fortunately, life never plays out like a movie script. Here is a preview of what you can expect if you speed date or agree to a blind date.Tue, 04 Jan 2011 12:11:09 ESThttp://www.trcb.com/relationships/dating/making-the-most-of-speed-dating-and-blind-dating-40664.htmTRCB.comRelationships / Datinghttp://www.trcb.com/arts-and-entertainment/music/he-taught-me-to-play-blues-guitar-38874.htmIt's pretty aggravating to sign up with a guitar teacher only to find out he or she claims to be able to teach all styles of guitar playing. I play blues guitar and it took a lot of mistakes to find the right blues guitar music teacher. Here is how to avoid the mistakes I made.Mon, 13 Dec 2010 17:22:28 ESThttp://www.trcb.com/arts-and-entertainment/music/he-taught-me-to-play-blues-guitar-38874.htmTRCB.comArts and Entertainment / Musichttp://www.trcb.com/food-and-drinks/beverages/50s-flashback-how-to-start-your-own-micro-home-brewery-38719.htmI got together with some of my Rock and Roll band buddies from the 1950's recently and discovered that one of the guys had his own micro home brewery of alcoholic and non-alcoholic beers. I was quickly fascinated with starting my own little beer brewery at home so I began my research right away. Here is what I found that got me started.Thu, 09 Dec 2010 15:10:51 ESThttp://www.trcb.com/food-and-drinks/beverages/50s-flashback-how-to-start-your-own-micro-home-brewery-38719.htmTRCB.comFood and Drinks / Beverageshttp://www.trcb.com/self-improvement/attraction/teeth-whitening-could-destroy-your-dental-health-38498.htmHaving brighter teeth is something most people desire because it can make you appear more attractive. But, getting brighter teeth can cost thousands and can cause damage or it can be had safely with a common household product.Tue, 07 Dec 2010 13:18:17 ESThttp://www.trcb.com/self-improvement/attraction/teeth-whitening-could-destroy-your-dental-health-38498.htmTRCB.comSelf Improvement / Attractionhttp://www.trcb.com/home-improvement/energy-efficiency/can-anyone-easily-build-a-magnet-power-system-and-save-thousands-of-dollars-on-energy-costs-38163.htmWe are all being pushed into energy conservation to reduce global warming. We are told that we each should be reducing our personal carbon footprint to save the planet. On top of solar panels and wind generators, we now have an explosion in magnet power generators but is magnet power truly practical for the average homeowner?Thu, 02 Dec 2010 10:50:11 ESThttp://www.trcb.com/home-improvement/energy-efficiency/can-anyone-easily-build-a-magnet-power-system-and-save-thousands-of-dollars-on-energy-costs-38163.htmTRCB.comHome Improvement / Energy Efficiencyhttp://www.trcb.com/health-and-fitness/weight-loss/could-kickboxing-be-your-secret-weapon-to-burn-fat-and-gain-self-confidence-37490.htmYou might not have to become the next Rocky to improve your health and have a body that is lean and mean looking. However, it is not surprising that there is much to be gained by following the basic training that Rocky would use.Wed, 01 Dec 2010 20:42:50 ESThttp://www.trcb.com/health-and-fitness/weight-loss/could-kickboxing-be-your-secret-weapon-to-burn-fat-and-gain-self-confidence-37490.htmTRCB.comHealth and Fitness / Weight Losshttp://www.trcb.com/health-and-fitness/asthma/how-can-adults-suddenly-get-asthma-disorder-37966.htmIt may be surprising that many adults are diagnosed with asthma, especially when we see story after story depicting children as the primary victims. There are good reasons why this happens but you need to be sure you actually have this affliction.Mon, 29 Nov 2010 11:08:40 ESThttp://www.trcb.com/health-and-fitness/asthma/how-can-adults-suddenly-get-asthma-disorder-37966.htmTRCB.comHealth and Fitness / Asthmahttp://www.trcb.com/legal/lawsuits-lawyers/how-to-find-out-medical-and-legal-answers-for-mesothelioma-cancer-36848.htmMesothelioma cancer (asbestos cancer) is somewhat different than other types of cancer when it comes to options because there is a legal component to consider along with medical options. One should explore options with professionals in both medical and legal areas of expertise. Here are the primary medical and legal options to consider.Thu, 11 Nov 2010 17:40:30 ESThttp://www.trcb.com/legal/lawsuits-lawyers/how-to-find-out-medical-and-legal-answers-for-mesothelioma-cancer-36848.htmTRCB.comLegal / Lawsuits & Lawyershttp://www.trcb.com/health-and-fitness/acne/newest-ways-to-fix-acne-hypertrophic-and-ice-pick-scars-36849.htmYou may be suffering from one of four major types of acne scar which affect acne sufferers in a major way. Identified by professionals as they appear: ice pick scars; boxcar scars; rolling scars and hypertrophic or keloid scars. There are treatments for all these but here are the most important scars you should be concerned about. Thu, 11 Nov 2010 17:39:45 ESThttp://www.trcb.com/health-and-fitness/acne/newest-ways-to-fix-acne-hypertrophic-and-ice-pick-scars-36849.htmTRCB.comHealth and Fitness / Acnehttp://www.trcb.com/health-and-fitness/skin-care/a-simple-liquid-can-fix-many-ugly-pimple-scars-36850.htmThere is no good reason that ugly pimple scars need plague you for the rest of your life. Would you try a solution that takes no effort and costs nothing? This simple remedy works for both teens and adults.Thu, 11 Nov 2010 17:38:40 ESThttp://www.trcb.com/health-and-fitness/skin-care/a-simple-liquid-can-fix-many-ugly-pimple-scars-36850.htmTRCB.comHealth and Fitness / Skin Carehttp://www.trcb.com/finance/credit-tips/be-very-careful-of-these-5-credit-repair-company-scams-14194.htmThe Internet, Radio and TV, newspapers and magazines are running advertisements these days for credit repair services and many are scams. These scams often promise to fix your bad credit overnight. In reality, many of these so-called 'experts' will either overcharge you, involve you in illegal activity, or actually put you in a worse financial situation. Here are the 5 of the most common scams.Sat, 22 Aug 2009 14:31:59 ESThttp://www.trcb.com/finance/credit-tips/be-very-careful-of-these-5-credit-repair-company-scams-14194.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/finance/bankruptcy-tips-advice/credit-crisis-how-bankruptcy-will-embarrass-you-and-your-family-14163.htmChoosing a bankruptcy will seriously damage your credit score more than just about any other debt relief solution. Bankruptcy will ruin your credit score for many years. Most people understand, after a bankruptcy, they will not be able to get loans but few people realize that bankruptcy will impact their entire life and that of their family in many unforseen ways.Sat, 22 Aug 2009 14:23:03 ESThttp://www.trcb.com/finance/bankruptcy-tips-advice/credit-crisis-how-bankruptcy-will-embarrass-you-and-your-family-14163.htmTRCB.comFinance / Bankruptcy Tips Advicehttp://www.trcb.com/finance/credit-tips/fast-credit-repair-after-your-financial-meltdown-14105.htmUnexpected problems can happen to the best of us - bankruptcy, divorce, legal judgments, unemployment, illness, etc. Any of these are very personal and can affect your FICO credit score in a big way. If you have faced a financial meltdown, you need to take action quickly and work consistently if you want to fix your credit and rebuild your FICO score. Sat, 22 Aug 2009 14:20:15 ESThttp://www.trcb.com/finance/credit-tips/fast-credit-repair-after-your-financial-meltdown-14105.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/finance/wealth-building/11-ways-to-build-financial-wellness-and-great-credit-fast-14226.htmHaving good financial habits, especially your habits surrounding debts and other financial obligations, are the keys to having excellent credit. But, we all know how difficult it can be to understand the 'fine print' in most fix credit programs. Here are 11 basic steps you can adopt starting today that will do wonders for your financial wellness.Sat, 22 Aug 2009 14:11:09 ESThttp://www.trcb.com/finance/wealth-building/11-ways-to-build-financial-wellness-and-great-credit-fast-14226.htmTRCB.comFinance / Wealth Buildinghttp://www.trcb.com/finance/credit-tips/how-to-get-a-free-credit-report-with-no-strings-attached-14038.htmGo on-line and search for "free credit report" and you find find pages and pages of offers and advertisements promising fast access to your credit history and FICO credit score. It's overwhelming unless you know how to sort out the really free reports from the sales pitches. Start here... Sat, 22 Aug 2009 12:01:48 ESThttp://www.trcb.com/finance/credit-tips/how-to-get-a-free-credit-report-with-no-strings-attached-14038.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/finance/credit-tips/challenging-your-credit-report-to-fix-your-credit-score-14021.htmIf you want to improve your credit score, you need to go right to the source - your credit reports. Yes, all three reports! You must get reports from the major credit bureaus. They are Experian, TransUnion, and Equifax. Do not get the free versions. Pay for them and get your FICO credit score at the same time. Here is why... Sat, 22 Aug 2009 11:47:29 ESThttp://www.trcb.com/finance/credit-tips/challenging-your-credit-report-to-fix-your-credit-score-14021.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/finance/loans/loans-dont-give-them-your-social-security-number-to-get-a-quote-13853.htmThe number one mistake that we made when applying for credit was giving our Social Security numbers to prospective lenders. Why? Because it hurt our FICO credit score. We were not really dumb, just young and uneducated about credit. Here's what we do now... Sat, 22 Aug 2009 09:26:41 ESThttp://www.trcb.com/finance/loans/loans-dont-give-them-your-social-security-number-to-get-a-quote-13853.htmTRCB.comFinance / Loanshttp://www.trcb.com/finance/credit-tips/fico-credit-repair-4-things-you-need-to-know-13693.htmA long time ago I found out the hard way that my FICO Credit Score could be the seed of financial despair. It's the one credit number that lenders judge us by so I thought I would show you how that number is arrived at. This is not common knowledge so read on... Sat, 22 Aug 2009 09:11:07 ESThttp://www.trcb.com/finance/credit-tips/fico-credit-repair-4-things-you-need-to-know-13693.htmTRCB.comFinance / Credit Tipshttp://www.trcb.com/finance/debt-consolidation/you-can-have-a-credit-counselor-for-free-13655.htmCredit Counselors and Debt Consolidators are inundating the Internet, newspapers, magazines, radio, and television with ads promising to make it easy to fix your poor credit history and your poor FICO credit rating. This appears to be great news. Let's see if it really is good news.Sat, 22 Aug 2009 09:09:22 ESThttp://www.trcb.com/finance/debt-consolidation/you-can-have-a-credit-counselor-for-free-13655.htmTRCB.comFinance / Debt Consolidationhttp://www.trcb.com/finance/personal-loans/think-like-a-lender-and-win-the-credit-scoring-game-14308.htmAs soon as you can, make a lunch date with your lender. Why is this a good idea for you? When you learn how these finance folks think, you will have a serious edge when it comes to getting credit. Here are some tips to make the most of the thinking process of lenders.Tue, 18 Aug 2009 20:13:56 ESThttp://www.trcb.com/finance/personal-loans/think-like-a-lender-and-win-the-credit-scoring-game-14308.htmTRCB.comFinance / Personal Loans