No joy ride for Wall St.

[1:27]..." Yeah unfortunately another -- destructive and it pretty hard this morning at Citigroup announced what they're going to do to try to get themselves aligned so. They said -- jobs are probably going to be the most watched currently are most individuals -- the jobs -- probably the most important. He should look at economist look at that very good you know very -- every Thursday we talked about it and the monthly numbers it was too big and so here's the cuts Citigroup's going to be turning about 50000 there are 300 to 2000 employees so. It's a 20% cut and that means a lot "...

[1:15]..." two doubt that 52. That the NASDAQ that Katrina have folks like oil prices are that about a nickel and that gold was around seven dollars or doubts that the policies. "...

[2:53]..." things we've heard before that even they talked about tax cuts in interest rate cuts were already seen some of those I think what they're trying to do is to say okay. Let's get the banks "...

[0:39]..." head and credit predict exactly how much they have. If you -- credit card debt if you're only paying the minimum. If you don't think you can make it there are ways to get out of credit card debt and in order to improve your score and your credit score and you know to reach your financial goals in the future -- TV is covered with advertisements about getting yourself -- it will help -- Are -- worth it. Well -- try and do it yourself -- a policy fails and I would suggest he -- consumer credit counseling them but the first thing you want to do was write down all of your debt. Right down into street charges write down all the phone numbers. That went to college electric car companies and ask for a lower interest rate 50% of the time not do that. But they may want to look Richard Chris Lawrence -- and if you got a credit -- this under 700. They may not lower than interest rates reference yesterday's report on line about that bright so says now that's the first thing you do. The other thing is consolidate "...

[2:04]..." you know as you're doing is think about pay -- the highest interest rates first. You know. Methodically take your and look at everything you do each and every month reevaluate. And you can get out of credit card debt what you're saying is have a plan make plans to do it right okay. Check the website for all its information WB "...

[1:30]..." important factor because many people if if you want to lower the interest rate and your credit cards if you were looking for a home equity credit. Q looking for loans for college for -- it's you know high school seen this year people are going to be looking at their credit score her. -- want to be sure your credit score is well above 720. The the best and easiest way to increase your credit scores pay your bills on time. And do not -- sector credit cards of course it's like -- in the garden before you plan to quite get ready before you apply for those laws right you know so if you want to improve your credit score I would suggest getting on my fight a dot com. But -- the higher your score the lower your interest rate and according to my bike on the difference between a good score and -- scorn for 300000 dollar thirty year fixed rate "...

[0:00]..." Here on WBZ news radio 1030 with certified financial planner Dee -- we are revisiting a very important topic this week. One topic that business week calls the next rising crisis and that's "...

[0:36]..." to it they do. Ambiguity him permission to Asia to give your Social Security number. And the F score for Massachusetts resident is 703. Out of anywhere from 300 to 850. A score above 720. Is "...