Location
Taylorsville, MS
Location
Taylorsville, MS
Why do you want to join Black Business Women Online?
To network and get motivation from other business women
What's Your Business?
Freelance Paralegal Business, Mary Kay Independent Consultant
How did you find BBWO?
SistaSense
About Me:
I am a single mother of a 4 year old daughter. I am a paralegal trying to jumpstart a freelance company where I will assist attorneys on a contract basis.I am also an Independent Beauty Consultant with MaryKay. I love to read, meet new people and spend time with my friends and family.
What are your most common online activities?
Just browsing.
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Yes
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Before you get frustrated trying to find new ways to promote your business online, let me show you how to promote your business on Black Business Women Online (click here).
A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.
The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.
My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.
More dangers to beware of below:
The company will charge you a high interest rate.
The company will charge you a set up fee, just for the card.
The company will charge you a late fee on your own money if you don’t make the payment on time.
The company will report you late on your own money when you miss a payment on your money.
The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.
However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.
Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.
The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.
Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com
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This is LaShanda Henry, founder of Black Business Women Online. I hope you are enjoying the network. If you want to really get started, Grab your FREE Black Business Starter Kit which includes social networking tips, webinars, and more.
If you already signed up for the Kit that's Great! Have an amazing day.
LaShanda
When the foot prints in the sand disappeared - it was then I new he carried me. Welcome to BBWO, This site is great, You are among many talented women who are determined to grow their business or even start a business.
Be sure to reach out to the special coaches and teachers who will be more than happy to help you.
I would like to send you a special invitation to join my group entitled "Sista's Empowered by Gods Word". This group will help enlighten your heart, spirit and mind. There are alot of exciting discussion that you can join in on and leave comments for the group as well-most of all this will help you to get your business profile out to new customers. Be sure to send me a friendship request and join the group ASAP.
I pray that GOD continues to bless you and show you favor. Be Blessed - Sis. Helen
The magazine that is all about family values
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African American Family Connection magazine promotes family values offering cutting edge original content and articles relating to the traditions, history, and culture and its impact on the social-environmental issues that challenge the quality of life for the black family.
Our mission is to empower Black families locally, nationally and globally to establish and reclaim a presence as a viable positive force for change.
As Creative Director of African American Family Connection, my passion is to become a source of information and a positive voice in the lives of all women.
The vision of African American Family Connection is to regenerate respect for family values using Kitchen Table Wisdom as the voice that teaches. Our focus on family values embraces the customs and traditions of families from every ethnic group world-wide
http://www.africanamericanfamilyconnection.com
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