Blogs

https://houstonmcmiller.com/how-to-get-business-credit-cards10667319, https://3wayfunding.com/how-to-get-business-credit-cards, http://www.businesscreditamerica.com/, 1-888-883-3013

Should I Co-sign A loan, credit card, or Apartment for a Family member?

If you’re a parent then I suggest to add your kids on your credit accounts as authorize user.  This will build up their credit, so you as the parent will not need to co-sign for their student loans, cars, and apartments. 

Now, if you have a family member or love one that having credit issues and they ask if you would sign for them a car, credit card, or apartment, then I would suggest you not to do it.  The reason is that it could ruin the relationship.  For example, if a family needs to move into a new apartment and they ask you to co-sign and you decide to do it.  If that person loses his or her job, then you’ll be stuck with making the payments or ruining your personal credit and the relationship.

I always suggest if a person is having credit issues offer to help them repair their personal credit, if they refuse, then you know that person is not the one to be offering help too.  Some may argue that you should look at how financially responsible the person is in order to determine if it’s worth you putting your good personal credit on the line.  However, you must factor in that things could happen to the person or their employment and that may leave you on the hook for extra bills.

So, in conclusion, I would suggest find other ways to help them, rather reserve the relationship then jeopardize personal credit if the person is not will to fix their own credit.

A savings fund is your best defense against forces that seek to derail your debt free momentum. Yes! Forces intent on keeping you mired in money mishaps, floundering in financial fiascos, or let’s face it – deep in debt are real. Alliterative exercises aside, a savings fund is a must have. It’s just not always an easy must do.

Before tackling a debt repayment plan, set up a Mad Money Fund. This fund should contain at least $1000 (depending on your comfort level). Some balk at the low figure, but consider your recent emergencies. Would $1000 have been sufficient? Don’t dread using the cushion in a genuine emergency. The Mad Money Fund exists so you avoid the madness when emergencies happen.

1. Start your budget. The quickest way to give yourself a raise is to tell your money where to go. You do that with a budget.
2. Setup auto saving. Redirect money to your savings using automatic tools. You don’t miss what you don’t see.
3. Sell everything. What are you hoarding that can be converted into cash? Ebay. Craig’s List. Garage Sale. Clean house and build your savings.
4. Stash windfalls. Do you have a lump some coming? Instead of spending before you receive, plan on using that to pad your savings.
5. Seek extra income. Do you have a marketable service? Hire yourself out. Secure part-time income and save up.

Trying to pay off debt without a savings stash is like filling a leaky bucket. Eventually, frustration may cause you to give up completely. The Mad Money Fund will help you avoid using credit so emergencies don’t derail your debt repayment plans.

Do you have other simple savings strategies to share?

I believe that effective outsourced accounting, taxation, financial management and consulting is more than a service, it is a relationship. We build that relationship with each client by learning about his or her business process and culture. Then we design a service package that meets the unique needs of the business. If the client has an in-house accounting staff, our team can supplement and support their work. If needed, we can become the in-house accounting department.

Shirika Gomillion

Accountant & Tax Advisor

http://www.saccountingsolutions.com

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Please don't be skeptical because every mega success in existence today--Microsoft, McDonald's, Starbucks and countless others--have had their humble beginnings. Looking back, we all would have loved to have had a start-up opportunity with any of them. Well, you may have missed those opportunities but here's your chance not to miss this one--it's all about timing and positioning!

So, avoid slapping yourself on the forehead later and Reserve Your Cup now! See the vision and embrace it!

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Listen to the live conference calls and webinars:

Daily Mon-Fri @ 12 noon and 3pm CST (760) 569-7676 pin: 631596#
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With just a few days left until the end of the month, as well as April being Financial Literacy month.   I thought it was very ironic to hear a recent radio advertisement announcing that certain individuals should take part in a great program being given by creditors; it’s called “The Credit Amnesty Program”.  This advertisement was encouraging people who have credit scores as low as 480, to come and apply for INSTANT CREDIT no one is turned down.  Lie!!!!!, this is the biggest gimmick and it’s been around for years it just has a new name, but the financial shackles are the same for individual with bad credit.  Why because the people who buy into these tactics are given interest rates as high as 18% or higher, the debt these individuals accumulate is designed for them not to pay if off which in turn many of these people will default on their debt.  I recently did a webinar regarding “What impacts Your Credit” during this webinar I showed the cost comparison of a credit worthy consumer and an unworthy credit consumer.  Take a look:

Examples of Credit Profiles

Here is an example of the cost of a $20,000 car loan over 5 years:

Prime 680 or higher score - Interest rate 7%, Payment $405, Total Cost after 5 years $24,300

Sub prime 500 - 619 Interest rate 14%, Payment $477, Total Cost after 5 years $28,620

Jilted 500 or below – Interest rate 21%, Payment $557, Total Cost after 5 years $33,420

As you can see in this example there no advantages of being an unworthy credit consumer, you may be able to buy material purchases but the consumer with bad credit pays a big price at the end.  Don’t buy into the hype, educate yourself.

Lorillia Brown-Phillips

Building and Preserving Wealth One Generation at Time

www.brownassocllc.com

Debt that has been sold is no longer your debt. It now belongs to the company that bought it. They only way they get paid is by ATTEMPTING to collect it. Just review every letter that is sent to you by a DEBT collector. It states that "this is an ATTEMPT to collect a debt.

THIRD PARTY DEBT IS NOT REAL DEBT. In this country, we do not have enough regulation to protect consumers. Beforeyou go filing bankrupt, which I do not suggest you do, decide if you arereally in DEBT. This image has been created in your mind.