You don't have to pay for your credit scores report anymore!  If you find out what are your credit scores, you can do it for free!  If you want credit score monitoring, you can using a service like www.creditkarma.com/  they give you a better than "home-scale" version of your credit score for free. It's a Trans Union credit score based on their formula, not FICO, but it's good enough. Most monitoring services justify themselves by saying you can help monitor your score for fraud and getting a free score from Credit O Karma at:  www.creditkar ­ma.com/  at least it's for free! Also you have your free credit report at: www.annualcreditreport.com This is just FYI only! Thanks 06/24/2010

Fireworks are illegal in Centennial The sale, use or possession of all forms of fireworks is against the law in Centennial. This ban includes retail fireworks stands and the lighting of fireworks that may have been purchased legally outside of the city. Professional fireworks displays conducted by state licensed firework operators are allowed only with proper permits obtained from the appropriate fire protection district! Fireworks are defined very broadly in the Centennial ordinance. It covers all forms of fireworks, including bottle rockets, sparklers and snakes. The fireworks ban will be enforced by the Arapahoe County Sheriff's Office, along with local fire and code officials. The penalty for fireworks possession or sale is a maximum of $1,000 for each offense!!!!!!!!! So be careful... 06/24/2010

Shares you favorite quote with us!   Your favorite quote can be  inspirational or otherwise!   Here is some of my favorite quotes;   In reading the lives of a great men, I found that the first victory won was over themselves....self-discipline with all of them came first.~Author  Harry S Truman   Free enterprise is a rough and competitive game. It is.... A lot better than government monopoly. ~ Author Ronald Reagan   What Soap is to the body, laughter is to the soul ~ Yiddish Proverb       Thank you very much for sharing. Adam Malachi 06/22/2010

   Happy Father's Day to the Fathers out there!    I want to wish all of the fathers and their families the best of everything on this very special Father's Day weekend!    To all the Fathers Have a Happy, safe and Wonderful weekend!    Here are few quotes about Fathers:    " The most Important thing a father can do for his children's is to love their mother." ~Author Unknown~    "It is a wise father that knows his own child." ~By William Shakespeare~ Any men can be a father, but it take a great men to be Dad! Happy Father's day to all! Adam Malachi 06/21/2010

I'm very disappointed in our Republicans Leadership in Congress!   U.S. Senate Roll Call Votes 111th Congress - 2nd Session As compiled through Senate LIS by the Senate Bill Clerk under the direction of the Secretary of the Senate Vote Summary Question: On the Amendment (Reid Amdt. No. 4344) Vote Number: 191     Vote Date: June 16, 2010, 02:47 PM     Required For Majority: 3/5     Vote Result: Amendment Agreed to     Amendment Number: S.Amdt. 4344 to H.R. 4213 (American Workers, State, and Business Relief Act of 2010) Statement of Purpose: To amend the Internal Revenue Code of 1986 to extend the time for closing on a principal residence eligible for the first-time homebuyer credit.   Vote Counts: YEAs 60   NAYs 37   Not Voting 3             Alphabetical by Senator Name Akaka (D-HI), Yea... 06/18/2010

Deal Location8532 Concord Center DriveCentennial, CO 80112 Speed Raceway Four Races and License Package $ 39 buy now Got a lead foot -- and the speeding tickets to prove it? Now actually enjoy putting the pedal to the metal at Speed Raceway, a brand new indoor go-kart facility in Centennial. Take these karts at dizzyingly high speeds with a dizzyingly great deal. Get the deluxe license package and four races for $39, instead of its usual $85.95 price. The package includes four races, a go-kart license, racing times, weekly specials, and the use of helmets, socks, and neck cushions. So shift gears, whip out your voucher, and race -- er, go the speed limit -- over to the Raceway. Find out more » 06/18/2010

How's your FICO Scores calculated! FICO Scores are calculated from credit data in your credit report, which you can get free annually at: www.annuelcreditreport.com This data can be grouped into five categories as outlined below. The percentages is reflect how important each of the categories is in determining your FICO scores.   First Category: Payment History is 35% of your total credit report scores!   Second Category: Total Amounts Owed to creditors 30%!   Third Category: The Length of your credit report history 15%!   Fourth Category: New credit acquired 10%!   Fifth Category: Type of Credit used 10%! This is just FYI only! Thanks. 06/16/2010

Lawmakers consider home tax credit extension! First-time homebuyers looking to land an $8,000 federal income tax credit may have a little more time to close on their purchases if a Senate amendment unveiled Thursday makes it into law. The closing deadline could be pushed back to Sept. 30 under an amendment offered by Senate Majority Leader Harry Reid, D-Nev., Sen. Johnny Isakson, R-Ga., and Sen. Chris Dodd, D-Conn - they want to make sure banks have time to process the transactions, especially short-sales. Read full article:http://www.usatoday.com/money/economy/housing/2010-06-10-home-tax-credit_N.htm This is just FYI only! Thasnks 06/14/2010

What's Your Number? I ‘m not referring to your telephone numbers; I'm referring to your FICO credit scores! Your FICO credit scores it's a numerical calculation or summary of your credit history! It's very important to know your FICO credit scores! Since it's combinations of numerical, creditors, and lenders! Your credit can be easily assessed by your lenders for credit risk to make decision regarding extending a credit, loan, and credit cards to you! Your FICO scores can be range from 300 points the worse credit scores to 850 points the best credit scores! In my opinion consumers with higher FICO credit scores are to be considered less risky borrowers than those with lower FICO credit scores! Higher FICO credit scores will allows you to get lower interest rate loan on your credit cards... 06/10/2010

Your personal credit and divorce!   After your divorce is final! You should protect your personal credit from your ex-spouse!   Make sure your divorce decree spells out exactly who is responsible for what account and what's the account about!  If the account was awarded to ex-spouse in a divorce decree it ‘s still your responsibility, and it will be on your credit report, because a divorce decree does not supersede the original contract you have signed with the creditor!   If you want to protect your personal credit report, then you must contact each of the creditors individually, and you must seek a legally binding agreement of release of your personal obligations to that particular debt with the creditor!   You must follow up on the creditor's promise, by making sure they report it to... 06/09/2010

What is a FICO Scores? The Fair Isaac Corporation, known as FICO, created the first credit scoring system in 1958, for American Investments, and the first credit scoring system for a bank credit card in 1970, for American Bank and Trust. Because a score does not consider race, sex or ethnicity, it is generally considered to be the most fair and objective underwriting tool available to lenders. The Federal Reserve Board did a study that noted scores have increased the availability of credit and reduced the cost of credit.  Scores have also proven to be very predictive in assessing risk management for the lenders! FICO was founded in 1956 as Fair Isaac by engineer Bill Fair and mathematician Earl Isaac, provides consulting services and enterprise decision management systems. They develope... 06/08/2010

Top 10 Most Complained-About U S Airlines? The categories are, flight problems, reservations, cancellations, overbooking, and baggage!  Also The airline's response to Complaints! Here's the winner:  No. 1: Delta 1.96 per 100,000 passengers No. 2: United Airlines 1.34 complaints per 100,000 passengers No. 3: US Airways 1.31 complaints per 100,000 passengers No. 4: Northwest Airlines 1.21 complaints per 100,000 passengers No. 5: American Airlines 1.07 complaints per 100,000 passengers No. 6: Comair 1.03 complaints per 100,000 passengers No. 7: Continental Airlines 1.00 complaints per 100,000 passengers No. 8: AirTran 0.97 complaints per 100,000 passengers No. 9: Frontier Airlines 0.92 complaints per 100,000 passengers No. 10: JetBlue Airways 0.85 complaints per 100,000 passengers Next tim... 06/04/2010

I wanted to take a minute and spotlight Highland View Townhomes. We have a new listing coming up in this community next week. There are actually two Highland View complexes (Highlands View and Highlands View ii). Its one of the best Centennial, Colorado Townhomes communities available. Located just north of C-470 on University, this neighborhood in extremely convenient to DTC, The foothills and plenty of great shopping. The new Southglenn Shopping center is just 2 miles north and Park Meadows Mall is 4 miles east. Homes range anywhere from the low $100,00's to $the high $150,000's for the larger models with finished basements. If you're looking at townhomes in the South Metro area, you need to take a look at this complex.   06/04/2010

How do you see and treat your self! Give it a read and let me know what do you think? Love and Appreciate yourself, because if you don't love yourself  you are not loving someone  else!  Be honest with yourself, and with all others!  Express yourself truthfully and freely!  Know that you are abundant  and be carefull!  Remember humor, have fun, and don't take life so serouisly otherwise you will never come out of it alive!   Don't forget to take your time to choose wisely!  There's nothing at all greater than or lesser than yourself! Nothing and no one can/will  harm you unless you choose to allow it to happen to you!   Thanks. 06/03/2010

06/02/2010

Summertime is slowing coming upon us.  Are you looking for things to do for you and your family?  The city of Centennial has scheduled several different events that you can take advantage of. May 17th-21- Centennial Public Works crews and equipment will be at different locations throughout Centennial and at different times.  So if you or a young one would like to learn some information about this sector, you can contact the city of Centennial at 303-325-8000 for specifics. June 26th - Do you love music?  You can check out the 2nd annual Centennial Youth Commission Battle of the Bands.  There will be feature performances by some of the most talented young musicians.  The times are 2 PM and 7 PM.  for specific information, contact the City of Centennial at 303-754-3327 Don't forget the fr... 05/20/2010

Lucky to Live in Piney Creek Isn’t spring wonderful? It’s truly refreshing to emerge from a long winter to see a green lawn, have outdoor family time, and to visit with neighbors who we haven’t seen in months. We are simply enjoying the things that attracted us to Piney Creek in the first place. As we drive in and out of our neighborhood every day, it’s easy to take our great community for granted. As real estate agents, we are constantly driving our buyers throughout the Denver area, and we are constantly reminded that Piney Creek fares very well compared to other communities. It has very special amenities that set it apart from other areas, including great schools. Very few communities have an elementary, a middle school and a high school all clustered within a half square mile. This ... 05/12/2010

This morning my wife asked me if I was going to yell at her again today???? "What?" I asked, "are you going to yell at me today or are you going to be nice?" OK, I'll bite, "when did I yell at you" "yesterday morning" she says.  Hmmmm, yesterday morning. Let me think, I was at church all morning and you were asleep because you spent all night working at the after Prom party, you said you were in bed until 11:00 AM, must have been a dream, but yesterday was Mother's Day so I will give her the benefit of the doubt and apologize. I am sorry that I yelled at you, that explains why you were cold all day to me, I just thought it was the usual Family get-together stress factor. Still a little fuzzy I asked "Exactly how did I yell at you and what did I say,obviously I was caught up in all the M... 05/10/2010

Today my son, who is a freshman in High School came home after school and said, "tonights homework assignment is easy, at least for me" Uh oh, I thought, and told him to 'go on". He smiled and said "my assignment is to get one of my parents to write a letter that tells me how to be successful".  I looked to my wife, who immediately blurted out, "don't look at me I will be at the swim meet all night" Ok Ok, how difficult can this be, I have been writing real estate articles for Colorado Golf magazine for a few years now, how hard can it be to write a letter to my son about success? I sat, I meditated, I prayed and I started and this is what I came up with, Dear Luke,   I believe the number one key ingredient for you to be successful is to find your passion. Personally I think you have al... 05/04/2010

Deal Locations 5324 Wadsworth Blvd, Arvada, CO 80002 11001 E. Arapahoe Place, Centennial, CO 80112 1005 W. 120th Ave., Denver, CO 80234 727 Colorado Blvd, Denver, CO 80206 and 8 more locations What is your Centennial CO home value? Search for Centennial CO homes for sale for free! No registration! Smiling Moose Deli $20 to Spend on Food and Drink $ 10 buy now More and more often, people are reporting moose sightings along the Front Range. The strangest part? The moose are smiling. Our hypothesis: These big, blundering creatures are experiencing sandwich satisfaction from the aptly-named Smiling Moose Deli. See what all the grins are about with today's deal: Pay $10 for $20 worth of dripping, drizzling, sizzling subs, salads, soups, wraps, coffee, or breakfast sandwiches. Try the Mighty... 04/26/2010