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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…)

Make Sure You Know How To Use Credit Cards

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Make Sure You Know How To Use Credit Cards

Make Sure You Know How To Use Credit Cards

It’s important to use credit cards properly, so that you stay out of financial trouble, and boost your credit scores. If you don’t do these things, you’re risking a poor credit score, and the inability to rent an apartment, buy a house or get a new car. Read on for some tips about how to use credit cards.

When you are unable to pay off one of your credit cards, then the best policy is to contact the credit card company. Letting it just go to collections is bad for your credit score. You will find that most companies will let you pay it off in smaller amounts, as long as you don’t keep avoiding them.

Learn how closing a line of credit will affect you prior to closing it. Sometimes, closing an account can cause your credit score to decrease. Also, maintain cards that have most of your credit history.

Check your credit report regularly. By law, you are allowed to check your credit score once a year from the three major credit agencies. This may be often enough, if you use credit sparingly and always pay on time. You may want to spend the extra money, and check more often if you carry a lot of credit card debt. (more…)

Save Money With These Credit Card Tips

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Save Money With These Credit Card Tips

Save Money With These Credit Card Tips

Many people say that selecting the right credit card is a difficult and laborious endeavor. However, it is much easier to pick the right credit card if you are equipped with the right advice and information. This article provides several tips to help you make the right credit card decision.

Be sure to limit the number of credit cards you hold. Having too many credit cards with balances can do a lot of harm to your credit. Many people think they would only be given the amount of credit that is based on their earnings, but this is not true.

Don’t fall for the introductory rates on credit cards when opening a new one. Be sure to ask the creditor what the rate will go up to after, the introductory rate expires. Sometimes, the APR can go up to 20-30% on some cards, an interest rate you definitely don’t want to be paying once your introductory rate goes away.

Check your credit report regularly. By law, you are allowed to check your credit score once a year from the three major credit agencies. This may be often enough, if you use credit sparingly and always pay on time. You may want to spend the extra money, and check more often if you carry a lot of credit card debt. (more…)

Tricks And Tips On How You Could Maximize Your Credit Cards

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Tricks And Tips On How You Could Maximize Your Credit Cards

Tricks And Tips On How You Could Maximize Your Credit Cards

It’s important to use credit cards properly, so that you stay out of financial trouble, and boost your credit scores. If you don’t do these things, you’re risking a poor credit score, and the inability to rent an apartment, buy a house or get a new car. Read on for some tips about how to use credit cards.

Do not use one credit card to pay off the amount owed on another until you check and see which one has the lowest rate. While this is never considered the best thing to do financially, you can occasionally do this to make sure you are not risking getting further into debt.

If you are about to start a search for a new credit card, be sure to check your credit record first. Make sure your credit report accurately reflects your debts and obligations. Contact the credit reporting agency to remove old or inaccurate information. A little time spent upfront will net you the best credit limit and lowest interest rates that you may be eligible for.

Take advantage of the freebies offered by your credit card company. Many companies have some sort of cash back or points system that is attached to the card you own. When you use these things, you can receive cash or merchandise, just for using your card. If your card does not offer an incentive like this, call your credit card company and ask if it can be added. (more…)

Great Tips For Understanding A Credit Card Statement

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Great Tips For Understanding A Credit Card Statement

Great Tips For Understanding A Credit Card Statement

Some people say that dealing with credit cards can be a real challenge. However, if you have the right guidance, credit card issues will be much less of a burden on your life. This article provides several tips to help anyone understand more about the credit card industry.

Be safe when giving out your credit card information. If you like to order things online with it, then you have to be sure the website is secure. If you notice charges that you didn’t make, call the customer service number for the credit card company. They can help deactivate your card and make it unusable, until they mail you a new one with a new account number.

Be sure that you only use your credit card on a secure server, when making purchases online to keep your credit safe. When you input your credit card information on servers that are not secure, you are allowing any hacker to access your information. To be safe, be sure that the website starts with the “https” in its url.

If possible, pay your credit cards in full, every month. Use them for normal expenses, such as, gasoline and groceries and then, proceed to pay off the balance at the end of the month. This will build your credit and help you to gain rewards from your card, without accruing interest or sending you into debt. (more…)

Smart Credit Card Tips You Need To Know

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Smart Credit Card Tips You Need To Know

Smart Credit Card Tips You Need To Know

Many people say that selecting the right credit card is a difficult and laborious endeavor. However, it is much easier to pick the right credit card if you are equipped with the right advice and information. This article provides several tips to help you make the right credit card decision.

Do not lend your credit card to anyone. Credit cards are as valuable as cash, and lending them out can get you into trouble. If you lend them out, the person might overspend, making you responsible for a large bill at the end of the month. Even if the person is worthy of your trust, it is better to keep your credit cards to yourself.

To help you get the maximum value from your credit card, choose a card which provides rewards based on the amount of money you spend. Many credit card rewards programs will give you up to two percent of your spending back as rewards which can make your purchases much more economical.

If you have credit cards be sure to check your monthly statements thoroughly for errors. Everyone makes errors, and this applies to credit card companies as well. To prevent from paying for something you did not purchase you should save your receipts through the month and then compare them to your statement. (more…)