Have you lost a sense of your personal power lately? How many of you could use some NEW tools and techniques to reclaim your power?
I'm so pleased and delighted to share with you a free and exciting event that's just starting. It's the third season of the The Aware Show teleseminar series... Tools To Reclaim Your Power.
Each guest on The Aware Show Teleseminar Series is either a best-selling author or new thought leader in their own right, but how do you think they came up with the tools they use to get them through challenging times and rise to the top of their field? You can get first hand access to the tools and techniques that some of the greatest minds in the human potential movement use in their own lives on a daily basis. How many of you could use some new techniques to reclaim your power?
The series is produced by renowned host of The Aware Show, Lisa Garr, who has been on Public Radio KPFK (90.7 FM) for over a decade. In that time Lisa has interviewed the most established leaders in the human potential movement. She is now bringing her connections, insights and remarkable interview skills to a new interactive forum where you can question and converse with the best of the best. You'll appreciate her engaging and enthusiastic interview style.
http://www.1shoppingcart.com/app/?Clk=3530208
Lisa will be interviewing me twenty four experts about "Tools To Reclaim Your Power". Quite often, as we face our own challenges in life, we slowly lose our own sense of self-worth and we wind up operating with half of the energy we need in order to be happy, make quick decisions, and deal with life. This process often happens without our awareness until it’s too late. Would you like to know how to reclaim your power that might have been lost?
Joining Lisa will be guests who will be sharing their tools and techniques to reclaim your personal power so you can learn and be able to immediately apply new techniques to manage your life to its fullest potential.
Here is a sampling of the amazing experts who will be a part of this series...
Wayne Dyer
Wayne Dyer is one of the most popular best-selling authors and Lecturers on spiritually motivational topics. With over 30 books, many audio programs, and videos. Wayne has also delivered his inspiring message on thousands of television and radio shows.
Caroline Myss
Caroline Myss has been in the field of energy medicine and human consciousness for 20 years. Since 1982, she has worked as a medical intuitive, providing individuals with an evaluation of the health of their energetic anatomy system. She specializes in assisting people in understanding the emotional, psychological, and physical reasons why their bodies have developed an illness.
Lisa Nichols
Lisa Nichols is a dynamic international motivational speaker and powerful advocate of personal empowerment. She is the Founder and CEO of Motivating the Teen Spirit, which is recognized by many as one of the most comprehensive empowerment skills programs available today for teen self-development.
Peggy McColl
Peggy McColl is a New York Times Best Selling Author and an internationally recognized expert in the area of goal achievement AND an expert in helping experts create products, make money online and create "best sellers"! With her goal achievement seminars, speaking engagements and books she has been inspiring individuals, professional athletes and organizations to realize their goals and reach their maximum potential for the past twenty-five years. Her purpose is to make a positive contribution to the lives of millions!
Judith Orloff
Judith is the author of the new bestseller "Second Sight: An Intuitive Psychiatrist Tells Her Own Extraordinary Story And Shows You How To Tap Your Own Inner Wisdom". She is a psychiatrist, intuitive, and New York Times Bestselling author who offers traditional medicine with intuition, spirituality and energy medicine.
There are 24 speakers in all including: Michael Beckwith, Marci Shimoff, Yvonne Oswald, Hans King, Sheila Stewart, Joe Nunziata, David Wolfe, Bernie Siegel, Maryam Webster, Joan Borysenko, Alison Armstrong, Chris Howard, Gay & Kathlyn Hendricks, Michael Tamura, Les Brown, and more.
The first call is on Wednesday, February 10th, 2010 at 6:00 PM Eastern (5:00 PM Central, 3:00 PM Pacific).
I know you will enjoy connecting with this amazing group! Did I mention this is all completely free?
Take advantage of this invitation to interact with these personal development experts right now. Click on this link to register for your free seat...
http://www.1shoppingcart.com/app/?Clk=3530208
After you register, keep an eye out for Lisa's email with the details for listening in on the calls.
Also, be sure to click on the special link in Lisa's email and grab your bonus gifts that you can use right away. They are yours just for enrolling in this free series.
Yours truly,
Mary Wozny
Vibrant Health & Prosperity Inc
P.S. Remember, there are a limited number of seats available for this complementary teleseminar intensive series, and they're likely to fill up fast. So join us now, while the opportunity is here in front of you...
http://www.1shoppingcart.com/app/?Clk=3530208
P.P.S. Also, if you can't make the LIVE calls every Wednesday and Thursday at 6:00 PM Eastern (5:00 PM Central, 3:00 PM Pacific) starting on Wednesday, February 10th, 2010, they will be recorded and available after each show for a limited time so you won't miss a thing. We'll send you the web address of the recording as soon as it's posted on our website. So join us now, while it's fresh on your mind...
http://www.1shoppingcart.com/app/?Clk=3530208
Sunday, February 7, 2010
Tuesday, October 6, 2009
Ottawa Area Realtors Scramble for Listings
According to an article in todays Ottawa Citizen, homeowners in Ottawa are staying put, leaving real estate agents scrambling to find listings and creating one of the strongest seller's markets the nation's capital has seen in years.
According to the president of the Ottawa Real Estate Board, realtors in Ottawa have fewer than 3,800 resale homes available to sell. Although listings traditionally drop in the fall, realtors had more than 4,700 listings at this time a year ago.
Yet even with the limited supply, the board reported its best-ever September with 1,220 sales, topping the 1,208 sales of September 2008. That pushed the average resale price to $304,789, a 5.7-per-cent increase from a year earlier.
According to one Re/Max agent in Ottawa's west end, he is finding the market so constrained that he has sold off his last remaining houses and now has no listings of his own, indicating that "it's not the first time in his career that he's been 'listless'." "Listing inventory is definitely down. But it's not like they have been expiring, we have sold them all. It's very much a strong market right now."
The economic slowdown has caused many potential sellers to decide simply to ride out the slump. As a result, buyers who hope to tap into low interest rates must scramble for available homes.
Buyers are facing multiple offers on homes and that is influencing the upward prices. Whatever inventory is coming on the board is selling.Agents are also dealing with intense competition from newcomers that help sellers market their home directly to eager buyers.
The supply shortage is pushing builders to step up construction of new homes. The value of building permits in Ottawa jumped 8.1 per cent to $161.8 million in July, the most recent month for which statistics are available. That's up from the $149.6 million worth of building permits sought in June, according to Statistics Canada.
The increase supports a Canada Mortgage and Housing prediction in September that the pace of new home construction in Ottawa will take off in late 2009.
The resale market looked anemic in the first few months of 2009. At the end of March, 2,479 resale homes had been sold in Ottawa, an 8.7-per-cent drop from the first three months of 2008.
But September's record pace builds on a strong July and August for the real estate board.
As of September, condominiums were selling for an average $241,458, and other residential properties for an average $322,960, the board said.
Warmly,
Mary Wozny
According to the president of the Ottawa Real Estate Board, realtors in Ottawa have fewer than 3,800 resale homes available to sell. Although listings traditionally drop in the fall, realtors had more than 4,700 listings at this time a year ago.
Yet even with the limited supply, the board reported its best-ever September with 1,220 sales, topping the 1,208 sales of September 2008. That pushed the average resale price to $304,789, a 5.7-per-cent increase from a year earlier.
According to one Re/Max agent in Ottawa's west end, he is finding the market so constrained that he has sold off his last remaining houses and now has no listings of his own, indicating that "it's not the first time in his career that he's been 'listless'." "Listing inventory is definitely down. But it's not like they have been expiring, we have sold them all. It's very much a strong market right now."
The economic slowdown has caused many potential sellers to decide simply to ride out the slump. As a result, buyers who hope to tap into low interest rates must scramble for available homes.
Buyers are facing multiple offers on homes and that is influencing the upward prices. Whatever inventory is coming on the board is selling.Agents are also dealing with intense competition from newcomers that help sellers market their home directly to eager buyers.
The supply shortage is pushing builders to step up construction of new homes. The value of building permits in Ottawa jumped 8.1 per cent to $161.8 million in July, the most recent month for which statistics are available. That's up from the $149.6 million worth of building permits sought in June, according to Statistics Canada.
The increase supports a Canada Mortgage and Housing prediction in September that the pace of new home construction in Ottawa will take off in late 2009.
The resale market looked anemic in the first few months of 2009. At the end of March, 2,479 resale homes had been sold in Ottawa, an 8.7-per-cent drop from the first three months of 2008.
But September's record pace builds on a strong July and August for the real estate board.
As of September, condominiums were selling for an average $241,458, and other residential properties for an average $322,960, the board said.
Warmly,
Mary Wozny
Friday, October 2, 2009
Due to Overwhelming Demand - Encore Saturday Call About Business Credit
People are flipping out over Tom's new $300,000 business credit system that will provide you with the cash you need for any investments. And if you missed the last training call Tom offered to my students regarding this important topic, he has agreed to offer an encore of the business credit training this weekend.
The business credit training call will be Sat. Oct. 3rd at 9am pacific time, 10 am mountain, 11 am central and 12 noon eastern.
Go get detail at the website:
https://m353.infusionsoft.com/go/pcall/mary/
Get expert advice on how to build a worthy business credit profile for your small business funding needs!
And see a sample demonstration of the exact kind of lending programs they have to offer!
Go to the website:
https://m353.infusionsoft.com/go/pcall/mary/
Warmly,
Mary Wozny
The business credit training call will be Sat. Oct. 3rd at 9am pacific time, 10 am mountain, 11 am central and 12 noon eastern.
Go get detail at the website:
https://m353.infusionsoft.com/go/pcall/mary/
Get expert advice on how to build a worthy business credit profile for your small business funding needs!
And see a sample demonstration of the exact kind of lending programs they have to offer!
Go to the website:
https://m353.infusionsoft.com/go/pcall/mary/
Warmly,
Mary Wozny
Thursday, September 24, 2009
Where to Get $300,000 in New Business Credit
The Million Dollar Business Credit Question is Answered ....
One of the year's most anticipated programs, Shortcut To Money Secrets, is finally going to be released on Tuesday.
So I want to share a video with you that can have a dramatic impact on your business and your profits. This short video details the 10 things you must know to start getting and using cash lines of business credit.
Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/
Just put your name and email address in there and watch the video. It doesn't cost anything and it's a fantastic watch, especially the bloopers at the end.
Tom has already given away over 6,000 downloads of his new business credit forecasting software to my subscribers in the last week.
So this new video of his is really going to answer the most important million dollar question about getting business credit that can be used for any purpose.
Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/
P.S. Remember that Tom's new program goes live world-wide on Tuesday. So don't miss your chance to get $300,000 in easy access business credit!
One of the year's most anticipated programs, Shortcut To Money Secrets, is finally going to be released on Tuesday.
So I want to share a video with you that can have a dramatic impact on your business and your profits. This short video details the 10 things you must know to start getting and using cash lines of business credit.
Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/
Just put your name and email address in there and watch the video. It doesn't cost anything and it's a fantastic watch, especially the bloopers at the end.
Tom has already given away over 6,000 downloads of his new business credit forecasting software to my subscribers in the last week.
So this new video of his is really going to answer the most important million dollar question about getting business credit that can be used for any purpose.
Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/
P.S. Remember that Tom's new program goes live world-wide on Tuesday. So don't miss your chance to get $300,000 in easy access business credit!
Wednesday, September 23, 2009
Multivitamin use in Adult Women is Associated with Telomere Length
New evidence shows that multivitamin use may decrease oxidative stress to the human chromosome and increase the length of telomeres (tips of chromosomes), which could relate to prolonged chromosome life and decreased biological aging.
Telomeres are found at the end of a chromosome and are required for replication and stability. It is thought that telomere length may be a marker of biological aging. Multivitamin supplements represent a major source of micronutrients, which may affect telomere length by modulating oxidative stress and chronic inflammation.
Recent research has sought to examine whether multivitamin use is associated with longer telomeres in women. Scientists performed an analysis of data from 586 early participants (ages 35–74 years) in the Sister Study. Multivitamin use and nutrient intakes were evaluated with a 146-item food frequency questionnaire, and relative telomere length of the participant’s DNA was measured. After age and other potential factors were adjusted, multivitamin use was associated with longer telomeres. The relative telomere length of DNA was on average 5.1% longer among daily multivitamin users, compared to nonusers.
In the analysis of micronutrients, higher intakes of vitamins C and E from foods were each associated with longer telomeres, even after adjustment for multivitamin use. In addition, intakes of both nutrients were related to telomere length among women who did not take multivitamins.
This study provides the first epidemiologic evidence that multivitamin use is associated with longer telomere length among women, and could possibly relate to a decrease in biological aging.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Telomeres are found at the end of a chromosome and are required for replication and stability. It is thought that telomere length may be a marker of biological aging. Multivitamin supplements represent a major source of micronutrients, which may affect telomere length by modulating oxidative stress and chronic inflammation.
Recent research has sought to examine whether multivitamin use is associated with longer telomeres in women. Scientists performed an analysis of data from 586 early participants (ages 35–74 years) in the Sister Study. Multivitamin use and nutrient intakes were evaluated with a 146-item food frequency questionnaire, and relative telomere length of the participant’s DNA was measured. After age and other potential factors were adjusted, multivitamin use was associated with longer telomeres. The relative telomere length of DNA was on average 5.1% longer among daily multivitamin users, compared to nonusers.
In the analysis of micronutrients, higher intakes of vitamins C and E from foods were each associated with longer telomeres, even after adjustment for multivitamin use. In addition, intakes of both nutrients were related to telomere length among women who did not take multivitamins.
This study provides the first epidemiologic evidence that multivitamin use is associated with longer telomere length among women, and could possibly relate to a decrease in biological aging.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Tuesday, September 22, 2009
Need Money? The Secret About Credit That Will Change Your Life.
I've found a short cut to money that you have to take a look at.In the next two minutes your going to learn something about credit that most folks will never know.It concerns the most profitable loophole in the credit reporting system.
Interested?
If you are, then please read this article written by national business credit expert Thomas Kish. This short cut to money has changed a lot of peoples lives.
By Thomas Kish, President of CashFlowExperts.Biz ......
Almost everyone knows that a loan or credit card in your personal name gets reported to the credit bureaus. And this activity shows up on your personal credit report. The more you owe on your credit report, the lower your FICO credit score will be. And having bad credit will cost you dearly.
But - pay attention now - there is a way to get loans and credit cards that NEVER show up on your personal credit report.
And here it is...
Here's how it works. When you get a business line of credit or business credit card In the name of a business, from my list of approved lenders - it will never appear on your personal credit report.
So you can get large amounts of cash and credit lines from the banks I work with everyday without worrying about hurting your personal credit. You can use this cash for anything you want to, and your assets will remain confidential.
And you can start a business on paper for almost nothing. Just pick out a cool name for your new business and submit it on-line. You will have your business papers back in a few days.
Remember, no matter how much cash you take out in the name of your business, your personal credit score never drops.
You can get $200,000 to $300,000 in cash and UNSECURED new business lines of credit by simply following my system. An unsecured business line of credit is the easiest short cut to getting money that you will ever find.
An unsecured business line of credit is simply a loan you get in the name of a business without having to give up any collateral.
Business lines of credit come in the form of multi-year loans, convenient checks and business credit cards that offer cash advances that can be used anywhere.
The money available from a business line of credit can be accessed as cash wired directly into your account, with check writing privileges or like any other credit card with a interest free grace period.
You can use business lines of credit for so many things -
1. Real Estate investing
2. Stock market investing
3. Starting a new business
4. Growing an existing business
5. Advertising
6. Creating an internet business
7. Writing a book or a screen play
8. Ebay business opportunities
9. Investing in livestock or race horses
10. Or any other business activity you can dream of
This is the best way most people have ever seen to get cash to buy real estate or start a business. Because, in effect, the money is invisible. It does not show up on your personal credit report while you are using it.
Some people may think this is to good to be true. But savvy businesses have known about business lines of credit for the last 50 years.
Isn't it time you learn about this EASY money source too.
Go to: https://m353.infusionsoft.com/go/sms-launch/mary
About Thomas Kish.
Thomas Kish is an author, speaker, business consultant and an active real estate investor.
He is a national expert in the area of business credit and has shared the stage with best selling authors Robert Allen, Mark Victor Hansen, and Robert Kiyosaki . Tom has bought and sold 8 million dollars worth of real estate using business lines of credit instead of using his own money.
And he has helped thousands of people change their lives with business lines of credit.
If you need money for your business check this out now!
https://m353.infusionsoft.com/go/sms-launch/mary
Interested?
If you are, then please read this article written by national business credit expert Thomas Kish. This short cut to money has changed a lot of peoples lives.
By Thomas Kish, President of CashFlowExperts.Biz ......
Almost everyone knows that a loan or credit card in your personal name gets reported to the credit bureaus. And this activity shows up on your personal credit report. The more you owe on your credit report, the lower your FICO credit score will be. And having bad credit will cost you dearly.
But - pay attention now - there is a way to get loans and credit cards that NEVER show up on your personal credit report.
And here it is...
Here's how it works. When you get a business line of credit or business credit card In the name of a business, from my list of approved lenders - it will never appear on your personal credit report.
So you can get large amounts of cash and credit lines from the banks I work with everyday without worrying about hurting your personal credit. You can use this cash for anything you want to, and your assets will remain confidential.
And you can start a business on paper for almost nothing. Just pick out a cool name for your new business and submit it on-line. You will have your business papers back in a few days.
Remember, no matter how much cash you take out in the name of your business, your personal credit score never drops.
You can get $200,000 to $300,000 in cash and UNSECURED new business lines of credit by simply following my system. An unsecured business line of credit is the easiest short cut to getting money that you will ever find.
An unsecured business line of credit is simply a loan you get in the name of a business without having to give up any collateral.
Business lines of credit come in the form of multi-year loans, convenient checks and business credit cards that offer cash advances that can be used anywhere.
The money available from a business line of credit can be accessed as cash wired directly into your account, with check writing privileges or like any other credit card with a interest free grace period.
You can use business lines of credit for so many things -
1. Real Estate investing
2. Stock market investing
3. Starting a new business
4. Growing an existing business
5. Advertising
6. Creating an internet business
7. Writing a book or a screen play
8. Ebay business opportunities
9. Investing in livestock or race horses
10. Or any other business activity you can dream of
This is the best way most people have ever seen to get cash to buy real estate or start a business. Because, in effect, the money is invisible. It does not show up on your personal credit report while you are using it.
Some people may think this is to good to be true. But savvy businesses have known about business lines of credit for the last 50 years.
Isn't it time you learn about this EASY money source too.
Go to: https://m353.infusionsoft.com/go/sms-launch/mary
About Thomas Kish.
Thomas Kish is an author, speaker, business consultant and an active real estate investor.
He is a national expert in the area of business credit and has shared the stage with best selling authors Robert Allen, Mark Victor Hansen, and Robert Kiyosaki . Tom has bought and sold 8 million dollars worth of real estate using business lines of credit instead of using his own money.
And he has helped thousands of people change their lives with business lines of credit.
If you need money for your business check this out now!
https://m353.infusionsoft.com/go/sms-launch/mary
Tuesday, September 15, 2009
Mortgage Debt Elimination Program
Announcing a New 90 Days to Mortgage Freedom Program!
Do you want to pay off your mortgage in as little as 3 to 6 months?
Learn about the little known Private Banking strategy to settle or cancel your mortgage to ZERO balance.
Get your FREE detailed ebook and video NOW by clicking this link:
http://tinyurl.com/q55son
By turning yourself into a public 'creditor' and truly understanding the mortgage origination process, you may be able to free yourself from mortgage debt forever. Sounds unbelievable until you know the FACTS.
Go here to find out how http://tinyurl.com/q55son
Warmly,
Mary Wozny
Do you want to pay off your mortgage in as little as 3 to 6 months?
Learn about the little known Private Banking strategy to settle or cancel your mortgage to ZERO balance.
Get your FREE detailed ebook and video NOW by clicking this link:
http://tinyurl.com/q55son
By turning yourself into a public 'creditor' and truly understanding the mortgage origination process, you may be able to free yourself from mortgage debt forever. Sounds unbelievable until you know the FACTS.
Go here to find out how http://tinyurl.com/q55son
Warmly,
Mary Wozny
New Canadians Drive Canada's Housing Demand
As a result of stronger labour markets and mortgage product innovation, the homeownership rate rose for all immigrant groups regardless of how long they had resided in Canada.
As more immigrants transition from renting to owning, they will continue to drive housing demand, most notably in the condo market. Research has shown that immigrant homeowners are more than twice as likely to live in a condominium than their Canadian counterparts. The report also indicated that 69 per cent of immigrants who came to Canada between 2001 and 2006 settled in Toronto, Montreal and Vancouver.
Warmly,
Mary Wozny
As more immigrants transition from renting to owning, they will continue to drive housing demand, most notably in the condo market. Research has shown that immigrant homeowners are more than twice as likely to live in a condominium than their Canadian counterparts. The report also indicated that 69 per cent of immigrants who came to Canada between 2001 and 2006 settled in Toronto, Montreal and Vancouver.
Warmly,
Mary Wozny
Sunday, September 13, 2009
Is Canada's Commercial Real Estate Market Set for a Comeback?
As reported in Mortgage Brokers News and following dismal reports of Canada's commercial real estate market seeing a 50 per cent decline in transactions in the first half of 2009, there are signs that it may be coming back to life.
According to commercial mortgage specialists, this is a good time for purchasers with strong backing. They are seeing an increase in volume year over year. Lenders are still being "very cautious and conservative", with many of them going below appraised values for commercial buildings, the situation has improved from earlier this year. For buyers in strong positions, there are deals on industrial buildings and it appears that there is a "cautious" market coming back for hotels and plazas.
A recent story in Dow Jones also pointed to Canada's commercial market recovering. Pierre Boiron, a real estate agent, developer and co-author of "Commercial Real Estate Investing in Canada" told the news service that slowing demand, inventory peaks and price declines are pointing to the bottom of an "adjustment phase" in the commercial market that will lead into an acquisition phase. "It means that the mess is being cleaned up," Boiron told Dow Jones, also noting that the turnaround will be gradual and dependent on employment numbers.
Warmly,
Mary Wozny
According to commercial mortgage specialists, this is a good time for purchasers with strong backing. They are seeing an increase in volume year over year. Lenders are still being "very cautious and conservative", with many of them going below appraised values for commercial buildings, the situation has improved from earlier this year. For buyers in strong positions, there are deals on industrial buildings and it appears that there is a "cautious" market coming back for hotels and plazas.
A recent story in Dow Jones also pointed to Canada's commercial market recovering. Pierre Boiron, a real estate agent, developer and co-author of "Commercial Real Estate Investing in Canada" told the news service that slowing demand, inventory peaks and price declines are pointing to the bottom of an "adjustment phase" in the commercial market that will lead into an acquisition phase. "It means that the mess is being cleaned up," Boiron told Dow Jones, also noting that the turnaround will be gradual and dependent on employment numbers.
Warmly,
Mary Wozny
Saturday, September 12, 2009
How Does Divorce Impact Your Credit?
I want to visit a topic that I'm frequently questioned on by clients. With the record high divorce rates in Canada and the United States, one should ask themselves how will a divorce impact my credit report?
A divorce decree alone will have no impact on jointly held accounts that are a part of your credit report. For joint accounts, including credit cards, car loans, home mortgages and lines of credit, you and your ex-spouse continue to have joint liability. You are both responsible, and if one of you defaults, creditors will seek payment from the other.
Just because your divorce may be finalized and you think that "finally it's all over!" the reality is that if you were a co-signer on anything with your previous spouse then you are still liable for these debts. Failure on the part of either party to make payments on time and/or pay off these debts will result in your own personal credit being potentially ruined! Often this happens and you are not even aware of it!
In going through the divorce process, ensure that any joint liabilities are reconciled and resolved, that debts have been satisfied and you have been completely removed from any further potential liability and costs from your former spouse. Think very carefully about old credit cards that may have been put in both parties names many years ago and forgotten about that could crawl out of the woodwork at some future point and harm your credit.
Check your own personal credit and FICO/Beacon Score to avoid these surprises before it's too late. It's up to you to take responsibility and proactive action to protect your personal credit. You are the only one who can.
Warmly,
Mary Wozny
A divorce decree alone will have no impact on jointly held accounts that are a part of your credit report. For joint accounts, including credit cards, car loans, home mortgages and lines of credit, you and your ex-spouse continue to have joint liability. You are both responsible, and if one of you defaults, creditors will seek payment from the other.
Just because your divorce may be finalized and you think that "finally it's all over!" the reality is that if you were a co-signer on anything with your previous spouse then you are still liable for these debts. Failure on the part of either party to make payments on time and/or pay off these debts will result in your own personal credit being potentially ruined! Often this happens and you are not even aware of it!
In going through the divorce process, ensure that any joint liabilities are reconciled and resolved, that debts have been satisfied and you have been completely removed from any further potential liability and costs from your former spouse. Think very carefully about old credit cards that may have been put in both parties names many years ago and forgotten about that could crawl out of the woodwork at some future point and harm your credit.
Check your own personal credit and FICO/Beacon Score to avoid these surprises before it's too late. It's up to you to take responsibility and proactive action to protect your personal credit. You are the only one who can.
Warmly,
Mary Wozny
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