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Why every person needs a personal financial consultant?

On December 27, 2012   /   Credit Scores   /   Leave a comment
Why every person needs a personal financial consultant?

There are several kinds of investments that people make. There are some major investments that will help to increase the income of a person that is generated. On the other hand, there are some investments that will not help in making a lot of money for the investor. Any person will want to make maximum returns from the investment that has been made. On the flip side, investments that will be able to provide a lot of returns to an individual may be very risky. The investments that are able to provide only a small amount of returns will be less risky. If you would like to make a positive return on your investment that is adjusted to inflation, then you should be a very savvy investor. You may not have the time and the energy to track different kinds of investments and then put your money into the schemes

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Keep Calm and go shopping Infographic

On December 20, 2012   /   Credit Scores   /   2 Comments

This infographic represents annual amount that people in the US spend on clothes which has reached 41 billion dollars. Moreover, it shows that the average American woman spends $2000 on her wardrobe annually: 1069$ on clothing, 417$ on skin and body care, 250$ on shoes, 217$ on make-up. According to research conducted by restaurants, the best dressed cities in the United States are Beverly Hills, Palm Beach, Honolulu, Washington DC, and Scottsdale and the most casual cities are Boulder, Oakland, Bloomington, Newark, Sonoma. Surprisingly, women shop approximately 400 hours a year. Furthermore, over a lifetime, women buy roughly 3000 things, including 271 pairs of shoes, 185 dresses, 145 bags. The fashion changes rapidly, and many women don’t want to be left behind. So as a result, they shop. Source: FastLoanTree.com Source: FastLoanTree.com Related posts: Top 10 Reasons holiday makers overspend Infographic

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Can You Really Retire Early

On December 11, 2012   /   Credit Scores   /   Leave a comment
Can You Really Retire Early

Everybody who is currently stuck in a job would like to achieve financial freedom and retire early. Contrary to expectations, you need not work for as long as 40- 50 years to be able to retire and can do so much earlier if you are able to lead a disciplined and planned life. Unfortunately, that is where most of us tend to be lax and are unable to achieve the goals we set for us. The concepts to follow are simple and as under: 1.  Control your spending habits I know this is easier said than done but in reality, once you are clear about how you wish to go about it, you can indeed cut down on a lot of unnecessary spending that takes place due to peer pressure, unwanted stuff getting accumulated and splurging on occasions without giving a thought to whether it is indeed necessary. For instance,

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What you didn’t know about credit card debt and finance

On December 3, 2012   /   Credit Scores   /   Leave a comment
What you didn’t know about credit card debt and finance

We all love our plastic money and the convenience of using it. It feels great to shop, dine, watch movies by just presenting that little credit card. Sure, those credit cards are very convenient and easy to use, but we should be well aware of the other side of the coin too. After all, we would not want to want to our finances to get hurt or let those credit card bills mount high. Already, there are far too many Americans in debt and the figures are just staggering. Read on to get some interesting information about credit cards , your credit score and the debt that will open your eyes about your finance. Your credit score is going down if you are collecting unpaid parking tickets or late library fines. So, park your vehicle carefully and return that book on time. Always pay your credit card bills on time.

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Interview With Harneet Singh Bhalla from “Postfever”.

On November 26, 2012   /   Credit Scores   /   Leave a comment
Interview With Harneet Singh Bhalla from "Postfever".

Today’s Interview is with Harneet (Postfever Blog Owner). And here are our questions! Q: When was the time you started your blog? Harneet: Around 8 Months. Q: Why you chose this niche (blogging)? Harneet: Because it has a large market than any other niche. Every blogger irrespective of it’s niche, would need advice on how to do blogging. Q: Tell me about a recent high stress situation you were in. How did you manage it? Harneet: A few weeks back I was demotivated. I called some of my blogger friends and finally I got back in a day or two. Q: Describe a tough financial analysis problem you faced recently? Harneet: By god’s grace, I have not yet faced any financial issues. Q: What things do you choose to save money on? Harneet: The work that I can do myself, I never spend  money on it. Q: What do you think about

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What is a credit report?

On October 30, 2012   /   Credit Scores   /   Leave a comment
What is a credit report?

What is a credit report is a common question that many people ask. When you are involved in financial transactions and especially when you get loans, the creditors will ask for the credit report. This is very important information that tells about all your financial dealings and the loans that you have applied for. This will also tell about the number of loans that you have already repaid. What does the credit report contain? The most important information that is contained in the credit report is about the frequency of repayments that you have made. It will tell you as well as the lenders about your diligence in repaying all your debts. There are many people who are taking out loans to purchase a home or even to buy a car. These home loans as well as auto loans need to be repaid on time every time. If there is

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What is a bad credit?

On October 30, 2012   /   Credit Scores   /   Leave a comment
What is a bad credit?

Bad credit is said to be present when a person who has borrowed money is not able to repay the money. There are several borrowers who take a loan because of their financial need. Once they get the money, they may not be in a situation to repay the money and if this is the case, there could be a default. When there is a default on a single payment or on a whole loan, the credit score of the individual will decrease and the person is said to have a bad credit.   What needs to be known about bad credit? The bad credit is denoted by a score and this is the credit score. The history of the bad credit can be identified through the credit history. Similar to the bad credit, there are many people who may also have a good credit and their ratings are very

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What exactly do you do?

On October 30, 2012   /   Credit Scores   /   Leave a comment
What exactly do you do?

The credit report is one of the important documents that will help you. This is a report of the various loans that you have applied for in the past. It will also tell about the loans that have been provided to you by various lenders. Other than this information, the most important part of the credit report is the number of loans that you have repaid on time. If there have been any defaults and if you have delayed the payments, then those information are also present in the credit report. This makes this one of the documents that can change the result of a loan application. Though all the other information that you have provided in the loan application is in your favor, if there is a poor credit score that you have, then it can cause you to suffer There are various things that you can do to

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Do I have a credit report?

On October 17, 2012   /   Credit Scores   /   Leave a comment
Do I have a credit report?

Are you in doubt whether you have a credit report? This doubt is in the minds of many people who do not even know what a credit report is all about. If you would like to know if you have a credit report, then you should approach your financial consultant. The person will be able to tell you about your credit report. You should know all about the credit report and also about your present credit score before you approach a lender for a loan. This is mainly because of the fact that other than the payday loans lenders, all the other lenders will go through the loan application and also go through the credit report and the credit score to decide whether to give you the loan or not. Records that the lender has about you If you are not sure whether you have a credit report, then you

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Can you help us build new credit?

On October 17, 2012   /   Credit Scores   /   Leave a comment
Can you help us build new credit?

One common question that many of the people who are in need of a loan have is whether they can build a new credit. This is a good possibility that can be explored if an individual is having a poor credit score in the credit report. As long as an individual has a poor credit score and a poor credit history, life is going to be very hard and will not be easy for the individual to get loans and lead a normal life. You may need loan to buy a car and also to buy a home. There are so many different needs that you may have and all these can be achieved by you only if you are able to ensure that you have a great credit score. There are some methods in which you will be able to build new credit. If you have a poor credit

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