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By now most of us are aware of the term “fiscal cliff.” The term refers to the economic mayhem that is expected if tax increases, spending cuts and the budget deficit rules go into effect in January 2013. But while a fiscal cliff threatens the economy as a whole, real estate has its own fiscal cliff that’s quickly approaching. And unless certain rules, laws and programs are extended, we could see a huge falloff in the recovery of the housing market. Potential borrowers might want to get their transactions completed in front of those changes, since they might push rates [...]

Key credit report indicators You’ve pulled one of your credit reports. Now what? As you’ve probably heard by now, you’re entitled to free copies of your credit reports. Federal law gives you the right to request your three credit reports, one from each of the three major credit reporting agencies, every year through You can get them all at once or throughout the year. Personal finance gurus often recommend pulling one report every four months so you’re regularly tracking your records. Either way, checking your credit reports is a smart move when you consider that information from your credit report [...]

Yard-Sale Season! With warmer weather and a heightened desire to clear out clutter, summer is prime time for yard sales. From leather-bound books to designer clothing labels, there are plenty of deals to be had at a fraction of the original retail price — if you know what to look for. Some items even have resale potential, according to Aaron LaPedis, author of “The Garage Sale Millionaire.” On the other hand, there are a few pieces that aren’t a steal at any price. Serious yard salers start early and carry plenty of $ 1 bills, so they’re ready to pounce [...]

GLASS HALF-FULL: If you exclude costs related to its bankruptcy restructuring, American Airlines parent AMR Corp. earned $ 95 million in the second quarter, its first profit for the period since 2007. HALF-EMPTY: On an accounting basis, however, AMR lost $ 241 million, or 72 cents per share, compared with a loss of $ 286 million, or 85 cents per share, a year ago, before it filed for bankruptcy protection in November. TURNAROUND UPDATE: AMR posted record quarterly revenue of $ 6.46 billion. Fares were up 7 percent, but the company, which includes the American Eagle regional airline, still sold 85.1 percent of its seats, another record. GLASS [...]

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