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Dad Said It’s Important to Secure Your Financial Future

Written by Mark Hoppus

My dad told me early on that the only way to not struggle in life is to start saving young and learn the stock market. Initially, I spent my time partying and living the good life instead. Dad sat me down one day and showed me just how little future money I would have thanks to my ignoring my finances. This is what got through to me and shook me up a bit. He said that he would show me how to use a stock pair trade finder so that I would have a leg up with trading. I wondered if I was smart enough to understand how it all works.

I was never good in math in school. I also had trouble with focusing and being easily distracted. (more…)

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A Bookkeeper for My Landscaping Business

Written by Mark Hoppus

I had always dreamed of opening my own business, so it was no surprise when I did that at the age of 20. I know that is a bit young to have your own company, but I knew that I did not need to go to university just to have my own landscaping business. I love being outside, and I had already established myself as a dependable and competent grounds person. I started to get more work, and I knew that I was going to need to find a company that does bookkeeping in Brisbane because it was just getting to be too much for me.

It was nothing for me to figure out wages when I was my only worker. After paying taxes and investing in more equipment, the profit was mine to keep. I started to get too many clients though, and I hired eight people by the time I was 23 years old. (more…)

Everything You Need To Know About Credit Repair

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Everything You Need To Know About Credit Repair

Everything You Need To Know About Credit Repair

It’s always a great idea to check the fine print of any contract before you take out a line of credit, but many people neglect to do this and owe a lot of money. There’s no sense in beating a dead horse here. The important thing now is to work toward getting out of debt, so let’s go over some useful information to clean up that credit score.

Getting your credit score up is easily accomplished by using a credit card to pay all of your bills but automatically deducting the full amount of your card from your checking account at the end of each month. The more you use your card, the more your credit score is affected, and setting up auto-pay with your bank prevents you from missing a bill payment or increasing your debt.

Realizing that you’ve dug yourself a deep credit hole can sometimes be depressing. But, the fact that your taking steps to repair your credit is a good thing. At least your eyes are open, and you realize what you have to do now in order to get back on your feet. It’s easy to get into debt, but not impossible to get out. Just keep a positive outlook, and do what is necessary to get out of debt. Remember, the sooner you get yourself out of debt and repair your credit, the sooner you can start spending your money on other things. (more…)

Learn How To Fix Bad Credit Here

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Learn How To Fix Bad Credit Here

Learn How To Fix Bad Credit Here

Repairing your credit is a thought that may make you cringe! It need not be! The benefits of doing so will far out-weigh the effort it may take to correct the problem. Read this article for some helpful tips to make credit repair much easier:

Believe it or not, your overall credit rating also affects your auto insurance premiums. So if you want to find cheap, quality car insurance, one way you can save money is to tie up those loose ends with the creditors. Insurance is all about risk, and someone with bad credit naturally poses a larger risk. Fix your credit rating and you can save some real dough on your insurance.

If you don’t have very good credit, financing your home may not be easy. Look into alternative financing options like FHA loans. FHA loans even apply for someone who doesn’t have closing costs or the funds that are needed for down payment.

Now is always the right time to consider repair of your credit file. You should always practice spending and saving patterns that allow for you to constantly improve your credit. Monitor for issues, address those issues and protect your improving rating consistently. Waiting until there is an issue or need for good credit will only cost you more time and effort. (more…)

Master Tips For Rebuilding Your Credit Score

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Master Tips For Rebuilding Your Credit Score

Master Tips For Rebuilding Your Credit Score

It is possible to repair your own credit. The first thing you need to know if you want to do it on your own is what your financial situation looks like. Knowing specific details about your debts will help you come up with a plan that you can make work.

The key to successful repair of your credit is to know your rights about how your accounts are reported. If you feel that errors have been made in the way an agency has reported to your credit history then it is in your best interest to know your rights and contact these creditors with that information in your toolbox.

When you decide you want to repair your credit, sending out disputes can help take false information off of your reports. If there are several items on your credit report you need to dispute, only do one at a time. Wait a little while before you send the next one. If you send too many at one time the credit bureau may become suspicious and consider your disputes frivolous.

If disputing an account with the credit agency does not produce results, dispute it with the actual creditor. Send them a letter through the mail advising them that you do not believe that the debt is yours and request that they provide you written proof of the debt. If the account is older, chances are they will not have the records. If they cannot prove the debt they must remove it from your credit report. (more…)

Great Guide On How To Repair Your Credit

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Great Guide On How To Repair Your Credit

Great Guide On How To Repair Your Credit

There are plenty of TV spots and magazine ads that all promise to help you get out of debt, but these services cost a lot of money with no actual guarantee that they even work. So instead of wasting your time and money on a hope and a prayer, use the information in this article when you need to repair your credit score.

Believe it or not, your overall credit rating also affects your auto insurance premiums. So if you want to find cheap, quality car insurance, one way you can save money is to tie up those loose ends with the creditors. Insurance is all about risk, and someone with bad credit naturally poses a larger risk. Fix your credit rating and you can save some real dough on your insurance.

Discuss your credit situation with a counselor from a non-profit agency that specializes in credit counseling. If you qualify, counselors may be able to consolidate your debts or even contact debtors to reduce (or eliminate) certain charges. Gather as many details about your credit situation as possible before you contact the agency so that you look prepared and serious about repairing your credit. (more…)

Master Tips About Credit Repair That Really Work

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Master Tips About Credit Repair That Really Work

Master Tips About Credit Repair That Really Work

Understanding your credit score is an important part of financial management. The information from, and differences between the three credit reporting agencies can sometimes become confusing however. There are a few tips that can help, and following them will allow you to repair a poor credit score and maintain a good one. This article will discuss some of the basics.

If collection agencies won’t work with you, shut them up with a validation letter. When a third-party collection agency buys your debt, they are required to send you a letter stating such. If you send a validation letter, the collection agency can’t contact you again until they send proof that you owe the debt. Many collection agencies won’t bother with this. If they don’t provide this proof and contact you anyway, you can sue them under the FDCPA.

If you are trying to improve a damaged credit score while under a considerable debt burden, consider contacting your creditors and having them lower your credit limits. There are two effects to lowering your credit limit. First, it prevents you from continuing to run up debt. Second, it improves your image as a responsible and trustworthy user of credit. (more…)