4 of the Biggest Credit Score Myths

Having a great credit score will reward you with the best interest rates and terms that are available in mortgages, credit cards, and loans, savings not only hundreds each month, but thousands over the life of the repayment plan.  Unfortunately, those with lower credit scores will be at the lender’s mercy, so why not improve your score to the best of your ability.  Each year you are entitled to a free copy of your credit report, which you should review for inaccuracies that could be affecting you overall.  The scoreContinue Reading

When Should You Check Your Credit Report?

Credit reports are more transparent these days and quick to review.  You can even view your credit score on monthly statements of your credit card, so you should know roughly where you stand with your report.  The three major credit bureaus – Equifax, TransUnion, and Experian, actually allow you to see a copy of your credit report for free each year, so if you have not looked at yours in a while that would be a good place to start.  Although you should check your credit report at least onceContinue Reading

5 Reasons to Consider Becoming a Business Analyst

Are you thinking of pursuing a career in business analysis? Well, choosing any career can be really tricky especially if you do not know whether it suits your skills, qualifications, experiences and interests. However, by conducting a background check on the job specification, salary, working environment and potential for career advancement, you can easily pick the right career for yourself. Here are 5 reasons to consider being a business analyst. A. Opportunity to Build Deep Business Experience Business analyst career exposes individuals to a lot of new business experiences inContinue Reading

How to Choose the Right Bank Account

There are so many choices when it comes to bank accounts. Between savings accounts, checking accounts and every variation on them, you may have more choices that you know what to do with. Here we will look at a few of the most common types of accounts and help you decide which kind of bank account you should open. Current Accounts These are also called checking or debit accounts and they allow you to access your funds through a debit card. Often, the debit card can be used like aContinue Reading

The basics of debt collection

Collectors mainly chase people who owe money from them through late payment letters. If you have been receiving quite a number of them lately, then banks or lenders may assume you are ignoring them deliberately. You may not ignore the fact that your payables are accumulating even though you are cash-strapped or going through some tough time that is indirectly related to finances. In any case, failing to prepare for the consequences of late payments is preparing to fail, to put a twist into a popular line. Spare just aContinue Reading

Steps to Maintaining a Good Budget in College

Basically, you will never go for a trip without understanding the way to your destination. Likewise, you’ll never reach your financial objectives without having a well choreograph plan for cutting down spending and increasing your savings. Ideally, budgets do have an essential role in college, making sure the cash flow chain moves without interruption. With the little amount of money from their parents, college students should have a comprehensive plan to ensure that they become financial independent not only in their college life, but in their personal lives as well.Continue Reading

What Type of Bank Account Works For You

At first glance it might seem like banking is an easy thing to figure out. Open an account, throw some money in there, and don’t touch it! But there is actually quite a bit more to banking than that. If you don’t pick the right type of account, or accounts, you could either pay extraordinary fees or lose out on a ton of interest. Whether it’s a personal account or a business account, you need to do your homework and pick the right one for own unique situation. A personalContinue Reading

3 Steps to Dressing Up Without Stripping Your Bank Account

Ah! The Halcyon Days of mid-February. Spring is right around the corner and many of us may have already seen some cherry trees that the weather has tricked into blooming early. It’s at times like these that we feel the urge to spend on a new seasonal wardrobe that will show off the calf definition we’ve worked so hard to gain over the long winter… We should know better! Money doesn’t grown on trees, after all. But why resist the urge to splurge when there are ways to freshen upContinue Reading

What You Should Know about the Child Benefit Programme

If you have children and are need assistance with money, there are many financial services available to help you with costs. The Child Benefit Programme is the largest of these services. Claiming Child Benefit (CB) from the UK government is quite simple.  In order to ensure you are eligible to collect CB, you must have a child under 16 or 20 as long as they are enrolled in one of the approved education and training fields. Eligibility In order to be eligible to collect CB you must meet a setContinue Reading

Is Stamp Duty Really Necessary?

If there’s one thing that makes many Australian home buyers’ blood boil, it’s stamp duty. The tax is assessed following a real estate transaction, and the buyer is responsible for paying it within 90 days. Stamp duty is based on the current market value of the home that’s being purchased, and it varies from one state and territory to the next. One thing’s for sure, though: People are overwhelmingly opposed to paying the tax, which can total up to considerable amounts of money. Like many, you may wonder why it’sContinue Reading