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When trying to decide whether to use a credit union or a bank when applying for a credit card. There are a few factors to consider.

1.) With a credit union you are a member, or a stakeholder. With a bank you are simply a customer. Banks are for-profit institutions and their goal is to make money for the stockholders of the company. A credit union is not-for-profit entity and their goal is pass through the profits to the members. This comes in the form of added member benefits such as low fees and low rates.

2.) Its a misconstrued opinion that credit unions have limited branch and ATM locations. However, many credit unions belong to larger networks, such as the Credit Union Service Centers.

3.) Most credit unions offer credit cards just like a typical bank. What isn’t so typical are the exceptionally low APR rates they offer.

4.) Credit unions have many available ATMs, but they are also fee free! The average fee for an ATM is $2.33 and is on the rise. Now if you use your bank issued ATM card at a third party ATM, then you just doubled your fees. With a credit union ATM card, you can withdraw your own money fee free as long as it’s at a participating ATM. Even if you withdraw money from a third party, you may have to pay their fee, but most credit unions don’t charge for the transactions themselves. I’m too busy to walk into a branch office every time I want to withdraw some money, and I feel that I shouldn’t have to pay hefty fees when I do.

5.) At a credit union, credit cards, home equity loans, mortgages, auto loans, and personal loans all enjoy lower rates than you will find at a bank. At the same time, savings, checking, money market, and CD’s have higher rates. I don’t typically endorse putting any significant amount of your money into savings and CD’s as inflation tends to outpace them, however, most people feel more comfortable doing so and they might as well earn a higher rate!

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How do I get a mortgage with bad credit?

Being a homeowner is a great feeling.  You know you’ve made some progress in your life, when you’re no longer a renter but instead an homeowner.  However, many of us struggle to get the chance to own a home because we have bad credit.  

Now, you don’t have to be discourage anymore, because there are home buying programs and lenders willing to help you become a home owner even with bad credit.  Although, they may have a few extra criteria’s, you can buy a piece of real estate. 

With the FHA mortgage program, their criteria’s are fairly simple.  They would like for you to have a minimum credit score of 580, 3 to 6 months of paystubs, 2 years of taxes, and debt to income ratio of 35%.  They also want you to have a down payment of 3.5% of the mortgage value and you can even borrow that from a friend or family member.  Another nice thing about the FHA mortgage program, if you have relative living with you, they will include their income to help you qualify for that mortgage.

There are also conventional mortgages that also have become very flexible when working with new home buyers, such as allowing a home buyer to put 3% down on that house.   Also, they’ve made it easier for veterans to buy a home with no down payment.

So, can I buy a home with bad credit? The answer is yes, however I would encourage to fix your bad credit so you can get a lower interest rate.

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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.

houstonmcmiller.com, houston@businesscreditamerica.com 1-888-883-3013

Learn how to read your credit report and understand the credit score.

35% is for payment hstory
30% amount owned
15% line of credit history
10% CRedit used
10% new credit account

Check our the other credit repair videos
https://www.youtube.com/watch?v=pOcq8g2ejFE
https://www.youtube.com/watch?v=ZfzKlDj3gHk
https://www.youtube.com/watch?v=Si_DCXdGAXo
https://www.youtube.com/watch?v=gmr9mKJNRzg
https://www.youtube.com/watch?v=m9HEwxxDrGI&feature=youtu.be

http://BusinessCreditAmerica.com

Register => http://tinyurl.com/complasercoaching
Only 90 phone lines available!

Are you having challenges with starting or growing your business as a new and aspiring Woman Entrepreneur?
This call is for you.

Realizing some level of success but know that you could do so much more?
This call is for you.

You're invited to be part of my FREE laser coaching call for Aspiring ,New and Enterprising Spiritually minded Women Entrepreneurs. This call is to support those who may feel a little overwhelmed and experiencing information overload and simply need to know where to begin, make sense out of all the information out there, grow your business etc.

3 Simple secrets to Online marketing breakthrough and laser focus so you can chart your course, realize results faster than you ever have with unshakable confidence, fear-less, faith-full, more time and more money and manifest your best year ever.

I will share content and answer your question and provide you with laser coaching. Plus I'll be making a special announcement on the call.

You Don't want to miss this opportunity!

Thursday, May 5 at 1:00 pm PST, 4:00 pm EST
Can't make the call? The audio replay will be available to all registrants.

Register now => http://tinyurl.com/complasercoaching

Talk to you soon!

Questions? info@RobinTramble.com

Only 90 phone lines available for this call

We all know how hard it can be to get ranked by Google,so your showing up in the search engines organically.. I have been doing much research on some easy ways to to increase Google page rankings and have actually learned a ton. I thought you had to be a rocket scientist or something to figure out how to get yoursite ranked on the first page of  Google but I was wrong. There are a few easy ways to do this that I found out about and I wanted to share them with you..

Learn how to get ranked by Google and increase Google page rankings from Kandace Wilson........

Interact with fellow marketers and “like” The Connect4Change Marketer on Facebook.

Get Marketing Tips via Facebook with help from Kandace Wilson..........

_________________________________________________________________________________________________

"I see so many women wanting to learn more about how they can tap into the Social Media phenomena, however, they are presented with the task of balancing their current roles with that of adding yet another item to the list. If I can convince them of the value of Social Media Marketing to their business the investment of time associated with empowering themselves with this skill would be the last thing allowed to hinder their endeavors." says Robin Tramble


Social Media is all the rage and is replacing many of the Marketing strategies in companies. Social Media has changed the way we do business, connect with friends,clients, prospects etc. and it doesn’t look like it’s going anywhere too soon. Social media sites give people the opportunity to connect with old friends, make new ones and expand their professional network with only a few clicks, from the comfort of their own home. Social Media includes Twitter,Facebook,Linkedin,Myspace and more.

Imagine being able to Finally attract 1000's of lucrative relationships online and Quickly EXPLODE your business results using Social Media without wasting time or money so you can increase your bottom line!

So what else could be holding women back from stepping up to empower themselves and thereby empower their business results?

"Some of the problem may stem from fear. Fear of the unknown, fear of failure and more! They must somehow replace that fear with vision for their ideal lifestyle, ideal business and the feeling that would result from finally attracting their ideal clients. Change your focus. Instead of focusing on the negatives, focus on the positives, focus on Faith." Says Robin

“You block your dream when you allow your fear to grow bigger than your faith.”
Mary Manin Morrissey

Robin has designed a brand new program just in time for the new year. "I Rock on Twitter and Facebook Social Media Empowerment Coaching club/program!"

Social media is all the rave and growing by the day or maybe even the minute.

Are you successfully using Social Media?

As Christian Women Entrepreneurs it is important for you do everything you can do to get your message out… in a BIG way. I’m going to share 3 tips with you that will enhance your use of Twitter. If you
don’t have a Twitter account you can go to http://www.Twitter.com

When choosing the username opt for your own name even if you’re going to have a business account at least reserve an account with your name.

I’ll share more about setting up and managing your Twitter account in my Social Media Empowerment Coaching program.

For now here are 3 tips that you can use.

1. The word Social is not in Social media just because. Twitter, like any other virtual conversation, is a two-way street. Pay attention to what other members are saying,
Add to the conversation where appropriate. This will also put you in front of their followers.

2. Make your Twitter updates available to busy people who are on the go, and for people who access your page solely on their iphones by utilizing the many tools available which also includes iTunes.

3. Strike up a conversation. One thing that is essential to gaining additional followers which will give you a larger audience to get your message to is to engage. One way to do this is to ask for feedback.
Don’t just tell everyone what you’re doing via Twitter, try to ask
everyone for their opinion or feedback. It’s a good way to start a
dialogue and open up a forum for new suggestions and changes that can
be made.

These are just 3 out of the many tips to maximize your results on Twitter.

Discover the power of successfully using Social Media specifically Twitter and Facebook by securing your seat in my “I Rock on Twitter and Facebook Social Media Empowerment coaching club!” Whew that’s a
mouthful, however, you’ll get a treasure chest full of empowering
insights and strategies as a member of this club.

You’ll also get an opportunity to take advantage of my Holiday Early Bird special plus bonuses.

Click here to secure your seat for Social Media Empowerment

Let’s Rock!!

Robin aka The Empowerment Diva

http://www.Authenticlifeempowerment.com

Do you have a Facebook account? If not and you want one you can easily sign up for one at www.Facebook.com You’ll be given prompts which will include setting up basic information.

You’ll want to add a photo of yourself. Be careful here because a picture does speak a thousand words. It says a lot about you. If you’re aiming to build the know, like and trust factor then you want a picture that’s going to promote that. This is not the place to show your wares. Ladies you know what I mean unless that’s what you’re there for and still it’s always good to be discreet but that’s your option.

You’ll be given a couple of opportunities to add friends and you can do that now or later.

When you’re ready to add friends you can use this way and also include more intentional ways that will allow you to target the friends that you add. Adding friends is going to be beneficial to your fanpage activities.

Your profile is supposed to be more for personal, however, it’s also the place that some of your business associates will get to know you. Keep this in mind, your friends will end up hiding your posts if you post too many business updates on your profile wall.

So do you need a Facebook page also known as a Facebook fanpage or don’t you?

Read more here