Check out the full post at The Daily Dish…

I’m not sure if we’ll figure out how to eliminate cash in our lifetime. After all, there’s still something very primal and fulfilling about carrying a wallet full of folding money. Plus, there’s always going to be demand for a system that leaves your transaction history totally secure. However, these four trends could streamline our everyday purchasing while preserving our security. Read more at Fox Business…

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• latenightjimmy:

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The folks at MSN highlighted a feature I originally wrote for CardRatings.com about the ingredients that make up your credit score. Each one of the four major credit bureaus uses their own recipe:

• FICO
• TransUnion
• Equifax
• Experian

Some bureaus give more weight to what you’ve done with your credit history over the past two years, while others look at everything from the past decade. Read the full article on MSN Money.

We couldn’t have predicted, back then, that individuals would start having the same dilemmas with personal online publishing. Lori and I finally caught up on our Netflix queue and watched The Social Network over the weekend. The first act made me strangely nostalgic, when the only way a drunken Mark Zuckerberg could express himself online was through his LiveJournal account. Today, he’s got a few different places to vent: like his Facebook wall and his Google+ stream.

Because freelance writers and ghost writers like me usually get paid by the word, I prefer Twitter. 140 characters offer the right kind of constraint, especially if I want to fly off the handle about something. Once I reach character #141, I’ll consider finding a client willing to pay me for my rant, or whether it’s better for the world if I just let it rest for 24 hours. I use Momento on my iPhone to capture those Things I Should Not Say to Anyone, and I guess my friends worry that I’m depriving them of some quality entertainment by doing so.

Lately, some of my colleagues expressed concern that I’ve been very “private,” which I find hilarious. But I see where they’re coming from. Instead of oversharing like I used to, I’ve been funneling my ideas and experiences into my book projects and my blogs at spinme.com, cardratings.com, and rittenhouser.com. Even when each of those sites ping my social streams, they’re maybe a little too formal and infrequent by comparison.

So, I’ve been hanging out on Facebook a lot more, connecting with my friends in highly non-promotional ways. And when some of my friends invited me over to Google+, I hopped on. Unlike Kevin Rose, I’m probably not going to abandon all of my other streams. Honestly, he’s like the Stern of bloggers. If you really love what he has to say, you’ll follow him to whatever service he’s on.

However, my recent experience taught me that I don’t have that luxury. My audiences live on the services where they’re comfortable. And it looks like we’re about to enter a period that can support at least three viable social networking services.

• Twitter: I post most often there, but I find that my audience here is more often the folks that have read my books or want to engage me in some way. It’s become my primary mode of personal communication, in many ways. Like I say on my contact page, I’m pretty much wired to respond really quickly to a Twitter mention or a DM.
• Facebook: This is where my mom lives. And that’s been good and bad. I’ve worried about being authentic here, because of complexity in my work and personal lives.
• Google+: I have a sense that the level of control Google+ gives me over where my posts go can help me be more authentic and unfiltered here. But my audience here is still very limited.

Most of us will probably pick the single service we love the most and “live” there. (I have certainly heard this about the Tumblr subculture, but I just don’t see myself living there without diluting my online presence even further.) In my case, I’ve got to respect that I use each social platform for a mix of personal and promotional reasons. Each audience is different, and I may even have to learn how to “steer” some folks from one platform to another when it’s appropriate, just like we did at the radio station.

When I really want to express myself in a way that requires some formality and permanence, I’ll craft a post right here to my personal blog. And I’ll “share” that post to every service I’m on. But don’t be surprised if I’m carrying on three different conversations about each post on all three of my preferred social networks. My audiences drive those discussions, and I’ve got to honor who shows up.

Discuss this post with me over on my Google+ page.

The folks at Fox Business have picked up some of my CardRatings.com columns for their Personal Finance channel. They’re featuring expanded editions of:

• Bank of America Tops Credit Card Safety Scorecard for Fifth Year
• Credit Card Spam Payments Handled by Just a Few Offshore Banks
• Best Credit Cards for a New College Grad

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* The six best credit cards for parents. This ran as a Mother’s Day special, but it’s got some great ideas for Dads, too.
* The five best credit cards for recent college grads. New regulations make it tougher for students to get credit, but deals get better if you wait until graduation to open your own account.
* New credit card deals coming. Now that the delinquency rate on credit cards in the U.S. has dropped back to relative “normal,” investors have started pressuring banks to increase their personal lending portfolios. Expect some great balance transfer deals into the summer.

I love having a team like Curtis, Tim, and Amber, who keep challenging me to find great stories that help our readers save money. Check out what they’ve done with the archives to make it easier to find relevant articles.

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