creditworthiness
Preparing for a career path can be daunting, especially for young people who may need a clearer idea of what they want to do in the future. However, with some planning and dedication, it is possible to set yourself up for success in your chosen field. It’s also possible to simultaneously ensure that your career path aligns with your future financial goals. One of the best ways to prepare for a career path is to gain relevant experience while still in school. Preparation can include internships, part-time jobs, or volunteer work in your field of interest. Not only will this give you a taste of ...
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There are nearly 50 million consumers in the U.S. without a firm credit score, leaving them financially fragile. Those same people are impacted by a massive IRS backlog of paper 1040s, leading to delayed tax returns. However, a few initiatives could help turn those circumstances around. Even if you generally feel well-to-do, it’s a tough market for buying a home. Or renting an apartment. Or financing a car. To make it even tougher, in order to do those things, you don’t just need capital. You need a good credit score. Lenders need to be able to look at your credit history and remain confident....
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Financial success is largely determined by your credit score. After all, having good or excellent credit will lower your interest rates, access perks like rewards, and gives you more negotiating power. And, it can also give you more opportunities to build your credit. What if you have poor credit? Well, for the 16% of Americans with a FICO score 300 to 579, it might be difficult for you to obtain a line of credit, rent an apartment, or even land a job. And, if you are able to get approved, your interest rate will be much higher. It is for these reasons that understanding how to build credit is...
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Have you ever checked your credit score? You’re one of nearly a quarter of Americans who haven’t checked their credit score, according to Javelin Research. It’s no secret that credit scores are confusing and riddled with misinformation. What’s more, credit scores can be lowered by actions you would assume would help them — and the reverse is true as well. Considering this, maybe it would be better if you ignored your score completely. As a measure of your financial health, your credit score is an invaluable tool. With that in mind, if you want to build credit and save some serious dough, here’...
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It’s the Bigfoot of the financial world; a perfectcredit score. AKA, the highest score a person can get. This mythical and elusive number for the FICO Score is 850. And, for those unaware, FICO Scores range from 300 to 850. In reality, there are Americans with 850 FICO Scores. As a matter of fact, 1.6% of all FICO Scores currently stand at 850. Which, may sound dire considering that 11% of people believe that Bigfoot is real. At the same time, obtaining credit with the best terms and lowest interest rates doesn’t require a perfect score. A score above 700 is considered good in most cases. What...
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It can be difficult to keep your business and personal finances separate when you own a small business. It is especially challenging to keep your accounts divided if your business is structured as a sole proprietorship. Since sole proprietorship is considered a nonentity, there is no legal separation between you and the business. Q3 2021 hedge fund letters, conferences and more When you set up your business as a Limited Liability Company (LLC) or corporation, however, you must have separate business bank accounts. Keeping the two separate, no matter how your business is structured, will create...
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