favorite singer. meet vocalist allen harris reports performing at the san jose jazz festival later today. that is all on the bay area focus next. one of the most amazing thing since we have experienced, you do not want to miss one single day. welcome to the show, if you are a trust fund baby with lots of cash to spend, at this segment is not for you. for the rest of us, good credit is vital for shopping renting were getting higher. keeping a strong credit profile requires regular maintenance in perhaps changing marketplace behavior. for a blueprint on how, meet money-management experts erica sandburg. erica is now editor at large for credit card guide where she answers consumer questions on- line. what is the biggest problem you are hearing about now? debt is a perpetual problem. people over spending and not really getting in control of their finances but it really is unemployment, just not bring in enough money in. that is critical, if you don t have money you cannot p