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Credit Card Advice for Building Credit Score

4/6/2014

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The best way to use credit cards to build credit is to pay off the balance in full each Month.


There is a myth that paying interest on revolving credit balance helps to boost your credit score.  This myth has been official busted.  My first office job was working for a company by the name of Sitel Corporation where we sold credit cards, and collected debts for all the major credit card vendors such as Visa, Mastercard, and Discover.  I learned at a very early stage in my life how to use 1 credit cards to boost credit scores.  Below are a list of Tips on ways you can build credit with a Credit Card.

Credit Building Tips:

1. Use a Credit Card to pay 1 to 3 Utility Bills every month that you would normally pay with cash or from a debit  account.

2. Do not think of your credit card limit as Cash on Hand.  This is just a limit they will loan to you  and require that you pay back.  In short, it's a loan.  Don't Do it if you can help it. Bank and Lenders make money off of you by making you pay high interest fees and penalties.

3. Do not hold a balance for no more than 28 days, Pay your credit card balance in Full each month.  It should be easy because you are only using the credit card to keep Utility bills current and up to date, which you have the money to pay for anyway.

4. Never pay interest, or late fee if possible.  Ask questions on how to avoid paying interest and in the event you are able to pay on time and recieve a late fee, ask for them to remove it as a curteousy.

5. Stay away from opening several credit card accounts.  This also include merchant accounts such as  those you will find a department stores and etc. This will help to keep your Income to Debt ratio at a attractive level in the event you want to use your credit to gain a mortgage or car loan.


Set up an Auto Bill Pay to pay off the Credit Card in Full Each month, so you do not make the mistake and forget.

Note:  I'm not suggesting that you should get a mortgage or car loan, if you're wealthy enough use your own money and stay liquid without any real debt.



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Is Network Marketing a Good Investment?

1/4/2014

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Is Network Marketing a Good Investment?

I'm not sure how many American Invest there money, but I know this to be a fact from my experience in talking with financial advisors who have been referred to me by people in their 60s.

The chances of receiving sufficient and secured returns on investment from IRAs, 401Ks, Certificates of Deposits, Bonds, are less likely.

If you are in your late 20s or mid 30s and have not saved 100k or more in Investments, you need to think more aggressively.

It is my opinion that certain Network Marketing Companies can be a more beneficially investment.

I'm not advising that anyone do away with the basic investment accounts. I'm saying that if you want substantial growth that's is dependant upon your work ethic and relationships versus a market shift; then certain Network Marketing companies deserve your attention.

My business became a Distributor with It Works Global and all funds have been circulating totally within that business system. No other income outside the starter fee has been added from my personal accounts. That division is self sustaining and has been since the second month. Although I have not reach the goal I desire, I see growth from this decision. The percentage of growth with It Works is much higher than the annual percentage returns from any traditional investment methods.

The more people become serious and see the Network Marketing Industry as something that should be in their investment portfolio; the more individuals will be able to circulate more wealth in their respected communities.

This will allow people to provide more for their families, create respect amongst employers so that they truly value their employees decision to work for them, allow for more excursions, and most of all financial stability (peace of mind).

Network Marketing is a smart investment, when done the right way!

Interested in joining a group that's dedicated to helping you start and grow your Network Marketing Business? Visit http://preewraps.com read and contact available.

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Black Billionaire, The Real Life Golden Child

4/21/2012

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No matter what going on or not going on in your life.  You have the option to change it.  Make moves!
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