How credit reports can help your business succeed

How credit reports can help your business succeed

It is crucial for any business owner to possess solid information. Whether it is techniques for increasing sales, trends in the market, or the current economical climate – your business needs to know as much as possible to continue growing. However, there are two aspects of your business that can’t be influenced by reading Forbes or watching CNBC. The delicate tasks of hiring quality employees and granting customer credit require you to dig a little deeper. In these instances, you owe it to your business to perform proper credit checks. Continue reading “How credit reports can help your business succeed”

Best ways to consistently boost your credit score

Best ways to consistently boost your credit score

As the nation slowly recovers from the economic crisis and lending institutions continue to tighten the qualifications for obtaining new loans, potential borrowers need to be more proactive than ever in establishing and maintaining good credit. Although good credit doesn’t happen overnight, here’s a refresher course on the best ways to consistently boost your personal credit score. Continue reading “Best ways to consistently boost your credit score”

What are annuities?

What are annuities

In its simplest form, or at least as simple as anything in the world of finance can be, annuity refers to a permanent income provided by a lender in exchange for a fixed sum of money or person to the pension fund issue. Until recently, it was possible for someone to buy your pension from the age of 50 and 75, but 2010 saw the bottom of the ladder over 55 years. Before removing an annuity, it is possible for a retiree to take up to 25% of its funds as a lump sum of retirement, while tax-free. Continue reading “What are annuities?”

The repercussions of marrying into bad credit

The repercussions of marrying into bad credit

In a relationship, there are many issues that can come about when it comes to money. Credit worthiness can be a tricky subject to delve into with your partner – especially when trying to divulge that your credit rating is a little more red than black. When one partner has excellent credit and begins a relationship with a new partner that has made mistakes in the past leading to a lower credit rating it can be difficult to begin a dialogue.

There are many things to remember when you marry into bad credit. Just because you are signing nuptials, does not mean that you are going to be effected by the lower credit rating. When you apply for a loan, credit card or other type of credit – unless you are applying for a joint account, the creditor does not have the permission to check the credit report of your spouse, unless their name is on the application. If you prefer to keep your credit histories separate, until the bad credit issues have been resolved – it can be crucial to discuss this early on in the relationship. Continue reading “The repercussions of marrying into bad credit”

California affordable home insurance made easy

Are you tired of searching around and feeling confused with all of the home insurance plans and company’s? With all of the many affordable home insurance plans, it can be confusing and many people feel frustrated when comparing California Home Insurance. That’s why it’s important to find a local San Diego Insurance agent to help you compare your home insurance so that you can find the best plan for your needs. When shopping for home insurance, it’s important to not just pick the cheapest home insurance quote. You want to make sure that you find quality home insurance that offers plenty of protection for your investment. Be sure to let your home insurance agent whether this will be your primary residence or a rental home. If you are renting out your house to tenants, it’s important that you obtain the correct type of rental home insurance policy… somtimes called landlord insurance. Continue reading “California affordable home insurance made easy”