Jobs at Apple: Master inventor, master marketer

Steve Jobs started Apple Computer with a high school friend in a Silicon Valley garage in 1976, was forced out a decade later, then returned to rescue the company. During his second stint, Apple grew into the most valuable technology company in the world.

Jobs invented and masterfully marketed ever-sleeker gadgets that transformed everyday technology, from the personal computer to the iPod and iPhone. Cultivating Apple's countercultural sensibility and a minimalist design ethic, he rolled out one sensational product after another, even in the face of the late-2000s recession and his own failing health.

Jobs helped change computers from a geeky hobbyist's obsession to a necessity of modern life at work and home, and in the process he upended not just personal technology but the cellphone and music industries.

Perhaps most influentially, he launched the iPod in 2001, which offered "1,000 songs in your pocket." Over the next 10 years, its white earphones and thumb-dial control seemed to become as ubiquitous as the wristwatch.

Tips to Raise Your Credit Score

Here are five ways you can use that bit of knowledge, along with some other expert know-how, to boost your credit rating:

1. Pay Bills Before the Statement Date

Typically, the balance as of your last statement date is the balance that will report to the bureaus, says Barry Paperno, consumer operations manager with myFICO.com, the consumer division of FICO, the company that created the FICO score. So if you pay most of the bill before the statement date, you can lower your utilization rate. And that can equal a higher credit score.

2. Make Multiple Payments

Another way to lower the balance on your statement date is to make periodic payments throughout the month.

If you use your card throughout the week for everyday expenses and pay it off every Friday, you'll cut the amount of credit you're using at any one time. Check with your card issuer to learn how they handle multiple monthly payments.

3. Ask for a 'Good-Will Deletion'

If you only have one or two bad marks on your credit record, you may be able to get them expunged, says John Ulzheimer, president of consumer education for SmartCredit.com, based in Costa Mesa, Calif.

Say you've paid late, but have an otherwise spotless credit history. You can ask your lender for a "good-will deletion," he says. "It doesn't mean it is wrong or was reported incorrectly. Essentially, what you're doing is asking the creditor to cut you some slack."

4. Pay for Removal

If you have an account that's gone into collection, sometimes collectors will agree to remove the debt from your credit report if you agree to pay if off.

5. Protect Yourself in a Short Sale

After a short sale, the mortgage lender often will report to credit bureaus that the home loan was settled for less than the full amount. In addition, it can also note the amount of the deficit as "balance owed" on the credit report, even though the obligation has been finalized and no additional money is owed.

Painless ways to cut household bills!

Trimming your household expenses doesn't have to mean doing without the things you need most. We found five easy ways to save money without suffering.

1. Skip the paper towels. There’s almost nothing that a paper towel cleans that can’t be done well with a dishrag; just toss it in the wash afterward. Savings: $60 per year

2. Brew smart. Buy tea and coffee loose (not in pods), and try using a third less. Packaging often overstates how much you really need. Savings: $100 per year

3. Close your closet doors. If they’re open, you’re paying to cool your closets—which keeps your air conditioner chugging more. Savings: $30 per summer

4. Cancel garbage pickup. Instead, drive your trash and recycling to the dump. Take turns with a neighbor, so one of you goes every few days. Savings: $300–$450 per year

5. Simplify your beauty routine. Try using just shampoo, conditioner, body wash, body lotion, face lotion and a hairstyling product. Savings: $100 per year.

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Do you want to recover your bad credit?

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I just found this Accommodative Financial Solutions website (AfsLoansOnline.com). It is a great site with the services they offered. You can apply to get a personal or a small business loans at the lowest interest rates in the country. There’s no application fee, no hidden charges and you can get 24-48 hour approvals.

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