Joined Dec 27, 2015
223 Blog Posts

Tips For Increasing Your Credit Score

With credit being such a big part of our lives, it is pertinent to repair any damage to your credit if you wish to purchase a house, car, or obtain credit cards. It is wise to make sure all purchases are within your monthly budget so you do not fall behind on payments. When you neglect even a few of your payments your credit score begins to fall. If you are already facing the need for credit repair, then you can find helpful tips to help get you back on the right track.


It is important for you to review your credit reports to ensure all charges in your name are accurate. If there are any charges you can not account for, then you can file a dispute against that charge. However, this does not always guarantee the charge will be removed from your credit.


Once you have assessed and disputed any errors in reference to your credit it is time to get back on track. Start making payments towards accounts that are still open. It may be necessary to ask for a payment plan or credit counseling to ensure you can make your payments. It is necessary to make all payments on time to build a good payment history. To ensure you are never late again, it may be necessary to sign up for autopay on your monthly bills.


It will take a little time to see a change that reflects your payments. However, before long you will be able to apply for a credit card or other form of loan to help you build your credit back up. After all, you need credit to build credit.


If you feel over stressed or unsure about the steps you must take to repair your credit, then it is wise to consider using credit repair services. They will help you repair your history in reference to your credit. They will also monitor your profile, as well as help you build a financial future for yourself.


If you wish to maintain or build your credit, then it is necessary to evaluate your credit report at least once a year. This will help ensure you have not been a victim of identity theft, as well as allow you to make sure there have been no fraudulent charges placed on your account. To maintain your credit it is necessary to keep an eye on your score, make payments on time, and do not accumulate more debt than you can afford.


Make sure when you encounter hard times you call your creditors and let them know what is going on. Often times they will allow a forbearance or extension on your accounts for a month or two. This will give you time to get back on your feet, and help keep your credit score from dropping. To ensure you maintain a great credit score it is necessary to only apply for credit you can afford. Do not find yourself in the same credit crisis again. Instead, monitor your credit and know your financial limitations.


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True or False: Building a pool increases home resale value

pool myth

We all dream of being able to step out our back door, and cool off in a pool. Pools are great for families. Why leave the house, looking for a lake, or public pool, when you can go out back. You can have great family get-togethers, barbecuing, just enjoying each others company.


Does a pool increase the value of your home?

This can be tricky, because it depends on where your home is, and the size of the pool. In the right circumstances, it can increase the value by 7%. This is when you live in a high-end neighborhood where everyone has one, or somewhere like Florida, Arizona, or Hawaii, where a pool is almost required. If you have a big pool that takes up the whole yard, that can hinder its resale possibilities. These are things you must consider before installing a pool.


Do the bonuses of having a pool outweigh the costs?

This all depends on you. Do you love to swim, and hate traveling to find somewhere? Do you have a large, and extended family? If not, you may not want the added expense and chores involved. However, a pool can be a great asset to a family. It encourages togetherness, with parties, and playing games poolside. It gives the kids something to do over the summer break. Parents can sneak out for a late night swim after kids go to bed.


What kind of pool should you get?

There are several options for pools. You can get a round or oval above ground pool. These work best if you can have it off the deck of your back porch. No one really wants to walk way out in the yard and climb up the ladder to jump in. These are great for those on a limited budget. Inground pools can usually accommodate more people, and last a lot longer. Concrete slabs are usually poured around them to allow for sunbathing chairs, patio sets, and grills. This is an option for those in nicer neighborhoods, as well as Hot weather climate states, where they will be used most of the year.


How do you pay for your pool?

Above ground pools are easier to pay for. Some use their income tax refunds, others save up over a couple of years. Inground pools are a bit more expensive and can run in the range of $30,000. Not many people that cash laying around. So how do you go about financing inground pools? There are a few different options. Sometimes, where you buy a pool does financing, such as a fiberglass pool company. You can go to your bank and see if you can take out a personal loan, which would be unsecured, at a higher interest rate. The best option is to get a secured loan against the house, at a lower rate.

Hurry up and get your backyard ready to many many years of fun in the sun. Your family will love you for it. Make sure to have everyone pitch in and help with the pool, so that they know what the upkeep is, and appreciate it a little more too. Have a great Summer!

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How to control incident problems at a tech startup

responding to incidents at work

The world we live in is modern, and being in a modern time pleasurable. Technology is becoming more reliable and always evolving to make life easier. When using the internet can be tricky due to the fact that it’s not truly safe to use. When there is a cyber attack that occurred, private information will be breached. There are several ways to help control it so it won’t lead to a crisis.


Incident Response

When a tech company is established, the company will have a security team. In that security team, there will be few members in that team that will be specializing in handling any potential cyber attack – this is called Incident Response. If there is an attack happening, it needs to immediately be resolved so it won’t escalate to a bigger issue. Collapse systems, data breaching, viruses, worms, and more threats are examples of possible outcomes if it left untreated. The manager or whomever is in charge of the security team will be the overseer and then the person beneath the position will help and assist. Legal actions can happen, but, it all depends on the severity.


Six phases

Each tech company should have a plan. The first phase is preparation and this when the training begins and the employees will be able to see what is going on. The second phase is identification and this is when where it is coming from or who is causing it. The third phase is containment and this is when not letting it spread anywhere else and able to restrain it. The fourth phase is the eradication and this is when to ask questions and removing the damaged ones away. The fifth phase is the recovery and the un-damage systems can be still use and restore anything that was affected. The sixth phase is lessons learned and this is when not to repeat it again. This plan will definitely help the tech company won’t have a tarnished reputation.



Communication is essential is ant tech company because it will smooth everything out. “But first you need to know who to communicate with, how to reach them, and how to do it with the least friction and fewest resources possible“. Knowing who can talk to will relieve the stress. When the tech company is being alerted that there is a problem, the authoritative positions will be informed. Once every employee knows what is going on, answering any inquiries from the customers can be easy.


The Financial Side

This is when to get important things such as insurance or lawyers. There are ways to help reduce the upfront expense of being prepared while simultaneously reducing the cost. The first important thing is to get cyber insurance early so when it does happen the situation will be covered. When hiring a lawyer, he or she has to be experienced and need to get public relations because the public relations will know how to answer the questions correctly.

Building a tech company from the ground up can be hectic and rewarding. The foundation needs to be solid to run smoothly. Knowingly on how to handle potential downfalls can be a piece of cake.

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A Few Investment Safety Tips

Like it or not, no stock investment is risk-free. However, there are some things that you can do to ensure that they are secured. While no one else can make your stock decisions for you, it is never wise to make any decisions hastily and without some educated advice. Here are a few wise tips to make sure you know at least a little.


It’s Best to Start with an Emergency Fund


Whether or not you currently have that amount in your account, it’s always best to strive for at least six months worth of funds. If you don’t, just remember that it’s better to have at least one emergency account instead of none at all. If you can, try to put at least a third of your income into your savings every month.


Especially with the increasing inflation these days, it is not unselfish to pay yourself first. In doing so, you are also able to help both yourself and others.


Consider Your Risk Comfort Zone


As stated above, no investment is without risk. Investing in stocks, bonds, mutual funds, etc. is a bit like gambling in a casino. Only there’s absolutely no guarantee that you’re going to get returns or lose. As a result, you should never invest more than you’re comfortable with losing. If you have some short-term goals, this is where cash investments may be appropriate. Also remember that most securities are not federally insured.


Occasionally Rebalance Your Portfolio


In the case of your stock portfolio, re-balancing means bringing your asset allocation to where it was originally. In this way, you can ensure that your assets don’t become imbalanced. When they do, one asset is overemphasized and that can be an unfair drain to the others.


Remember the Scammers Often Look Like the Real Thing Now


Investment scammers trek popular news headlines to educate themselves on how to look more like the real thing. Whenever you’re not sure, the best thing you can do is question the source. If they get mad or their answers are vague, chances are, they are not genuine. It is also wise to keep track of common investment frauds, such as pyramid schemes and promises of high returns for doing nothing but handing over your money.


How to Find a Business’s Merchant Code


Unfortunately, a lot of bank tellers don’t know what an MCC code is. MCC stands for merchant category code. It is the four-digit number that businesses accepting cards are assigned by the credit networks. They are used to track your purchases on your statement. Sometimes they’re also used to prevent over-priced purchases such as at hotels.


Fortunately, you don’t need to ask a teller anymore. You can easily find a business’s MCC through the IRS list.




Hopefully the information above gives you a little bit of an idea of how you can maintain safety as an advisor. For more information, you can Google the SEC’s latest on investing. Once you start investing, it is very important to stay updated on the latest in safety tips.


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Investments, SUVs and the Future

An investment is any type of method that is used to promote a type of subsequent earnings. Subsequent earnings are also known as a stream of proceeds, however not now, but in the future. Many people are not huge fans of the word future. It means that the investor will no longer have access to their hard earned $50, $200 or $1,500. This can be a deal breaker for many potential investors.


However, if the context of investing is looked at properly it can be obviously seen that investments can be well worth. Pros and Cons of Investing. You may have to go without your hard earned funds for a few years or even a few decades, but imagine in the end the large sum you will get in return. The key to investing is to choose a product that is universally known to be of need to the general public.


If the product or service is of need then that means eventually households will purchase one. For each family that purchases this product, the better the odds are of your money doubling or tripling. An experienced investor knows that the annoying aggravation of not having that extra money at their fingertips is worth the 5, 10 or 15 year wait.


The Pros and Cons of Investing in the SUV Market


When it comes to investing in the automobile industry, specially SUVs, let’s be frank, so far sales have been dropping for the year 2019. Sales have not dropped below 17 million since 2014. But if you would look at it from a more positive angle, gas prices are lowering. Investing in the Auto Industry.


Low gas prices have always contributed to a hike in SUV sales. Many potential buyers who have made up their minds to buy a larger vehicle; while searching for the best SUV are discouraged by the prospect of filling up the tank. So when gas prices plummet, it’s a sign of relief for the SUV auto industry.


New Trends


As an investor or a likely investor you might have noticed over the last few years, that the luxury car industry are beginning to take on the SUV market.Your Money and the SUV Market. What does this mean for SUV buyer?


It means more choices to choose from. Not only more choices in style, but also in quality and class. Luxury car automakers like Rolls Royce, Maserati, Audi etc are pushing out SUV models such as the Cullivan SUV. The makers of Ferrari and Aston Martin are both either in the process of creating or literally presently hot SUV models, some of which are hybrid models.


This is excellent news for SUV buyers who have been yearning for something a little more lavish and upscale. Some may argue that investing in the SUV industry will always be a good choice, however skeptics would warn to look at the numbers and what are some of the hottest trends. New innovations and styles along with the aspect of being environmentally conscious will undoubtedly spark the interest of new investors. And this is something that many wealth managers and professional investors from all over the world happens to agree on.


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Investing in Automobile Manufactures

responding to incidents at work

The auto industry contributes over 518 billion dollars to the United States gross domestic product or GDP. The US is also the second largest producer of automobiles in the world. China is the largest producer of autos. It is safe to say that putting your money into the stock of automobile manufacturers is a wise investment. You do have to do your due diligence and research the companies. Here are some of the details to think about when investing in auto manufacturing.


Which Auto Manufacturer to Invest In


Daimler, Toyota, and Volkswagen are the three top auto corporations. Daimler representing Mercedes and other names. In 2018 the shareholders for Daimler enjoyed a 6.18 euro per share return on their investment. This dividend figure was down from the year before, but any auto company investment is long term. The ups and downs are normal. You have to research for which auto manufacturer you want to invest in. If it is going to be a long term investment, you want to look to the future and see where the companies are going. The big question is about electric cars. It is no secret that gas cars cause a lot of damage to the environment. The electric car is most probably going to be strong in the near future?


Gas or Electric, The Future is Near


The electric car tried to become popular some years ago but was squashed by Ford. The electric car has its share of problems like charging stations and batteries blowing up, but they are perfecting the electric every day. So when thinking about which car manufacturer to invest in, you might want to invest in the companies that are making or have made electric cars. The auto manufacturers and designers who have dealt with the electric car before will be far ahead of others who have not.


Risk in Auto Investing


Like every investment, there is a risk. When investing in auto manufacturing corporations there are a few things to think about. Cars are depreciating assets, they are recalled, they cause deaths and so many other issues that can be liabilities. It also costs a lot to manufacture cars. The manufacturing of cars comes first and then the dealers sell them. There is no guarantee that all the cars are going to be sold. So understanding the obstacles that the auto industry is up against not including fierce competition. It is important to do research on the past, present, and future of the car corporation you are interested in investing in. Talking with other investors helps also. They can share their thoughts on the companies. It is good to pick a company that you think makes good desirable cars or a good line of mid size truck styles that truck lovers desire.


Investing in auto manufacturing is a stable investment for the most part. We will need cars far into the future. If you invest in the car manufacturing industry just make sure you watch the investment. There are changes that can occur that will drop the profits. It is good to be ahead of the game. Things like the cost of materials, the cost of gas and the economy play major parts in how well auto companies do. The better information you have, the better choices you can make on your investment.


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Tips For Becoming The Best Stock Broker

If you work as a stock broker, then you are aware of the slump you can get into. You do not have to stress or worry because I have compiled easy ways to help you become the best stock broker you can be. If you just are not making trades like you did in the beginning, then it is time to check out a negotiation training program.


When you have finished your course you will easily differentiate between successful and less successful negotiations. This newfound skill will help you save time, boost your confidence, and manage challenges more easily. Once you have gained a better understanding of the principled negotiations model you will find yourself making better decision on your accounts. This will lead to satisfied clients, and more earnings for yourself.


Considering the fact that you are essentially a salesperson it is easily understood that customer satisfaction is pertinent in your line of work. With so many brokers to choose from it is beneficial to obtain extra training that can help ensure you will stand out amongst the crowd. There is no better way to do this than with word of mouth referrals from satisfied clients.


To be a great stock broker it is necessary to be a self starter. It is important to have a positive attitude, patience, and a willingness to work. Any industry that is commission based takes time to show a good return. However, if you are willing to take the extra step you can easily build your cliental up quicker than many of your competitors.


To get a running start as a broker you must be willing to chase down leads, cold call individuals, and speak with family and friends about their investment options. It is also necessary to network everywhere you go to obtain new clients. After all, you went to school to earn an MBA and this was no easy task.


If you find that you are coming up short as a broker, then it is time to utilize the internet. This is the fastest and easiest way to network. You can use social media to help illustrate your knowledge and explain how you are beneficial to your clients. It is necessary to build a great repore to maintain a strong client list.


Most importantly, listen to your clients wants. Help them understand why some investments are better than others, and help them choose wisely. When they profit from your services there is a greater chance that you will see an influx in business.


When you are willing to take the extra step to further your career it is obvious through the confidence you exude. Always remember the importance of keeping your clients happy. It is necessary to strive to help them maintain profitable investments; this will ultimately help you build a well known name for yourself. In the pool of many investors it is always best to be well known and loved to ensure you will practice successful trading for many years to come.

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4 of the Most Common Cars in Large US Cities

common cars in us cities

Car trends differ from state to state and even city to city. Many of the most common car trends are representative of the needs of the people in that environment. Things such as climate, location, road conditions, as well as expected milage are all common factors when it comes to what the common car trends are within your area. When it comes to large cities there are other things to consider such as cars that do well within city traffic. The size of the car is another variant that is prominent when picking a car in large city living. All of these things were considered when suggesting this vehicles.


  1. Toyota Prius

The Toyota Prius is a great car for city living. The major benefit of this car is the fuel efficiency. The Prius supports incredible gas mileage especially with stop and go traffic that is ever present in large cities. The hybrid design of the car allows for this great gas mileage that, depending on the model, can range from 40 miles per gallon all the way to upwards of 50 miles per gallon in the city. Another major benefit of the Prius is its cost. Especially when compared to other hybrids. Finding a Prius used car for sale Seattle, is commonplace due to the Prius being better for the environment when compared to its contemporaries.


  1. Volkswagen GTI

The Volkswagen GTI is a great compact car. This car is great for city driving due to its size. While it is compact for street parking, and navigating tight city quarters, it also offers lots of space. The back seats when folded down offer more space than many of its competitors. Another huge benefit of this car is its safety rating. The car also offers some nice acceleration as well as tight handling, making it an enjoyable car to drive. The Volkswagen GTI can be a great option for city driving.


  1. Honda CR-V

The Honda CR-V is one of the better options to enjoy both worlds. Although the CR-V is considered an SUV, its length comes in right around 15 feet depending on the model. Which isn’t much bigger than some of the other smaller, compact cars on this list. All the while boasting upwards of double the cargo space. The CR-V is also popular as a family car, which can be beneficial depending on your situation. This is one of the best options for people looking for the SUV size in a large city atmosphere.


  1. Chevrolet Bolt

The Chevy Bolt is an all electric car variant, and that is the biggest draw for it being on this list. When in bumper to bumper traffic is where the Chevy Bolt really shines. With one of the longer lasting battery charges on the electric vehicle market, you will never need to worry too much about running out of charge with city driving. The price of the Bolt can be hefty, when compared to other options on this list. But with a compact length, saving on gas expenses, and environmental factors included the Chevy Bolt is a great option for large city driving.

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How to Save Money When You Have a Baby

Saving money for a kid

A 2010 USDA report estimated the average cost of caring for a baby during his first year of life at about $12,000. Although new parents eagerly buy all the best things that baby needs, the burdening costs can quickly take a toll on a modest budget. Add those expenses, which, by the way, only increase, up for 18 years, and finding ways to save money is certainly a thought-provoking idea. With an ample number of money-saving ideas for new parents, reducing expense is simple.


Use Coupons, Special Offers, and Deals

Money-saving coupons, promotions, sales, and other savings keep costs of everything from diapers to baby food to furniture and toys affordable. They’re found via apps, online coupon sites, company websites, newspapers and magazines, and newsletters/clubs. Take advantage of the offers and keep the costs of many of your baby supplies low. Most coupons and promotions are free to anyone that wants the savings.

Don’t forget cash-back and freebies programs. Tons of these programs provide cash back incentives every time you shop. The money adds up quickly and can be used for any reason. It’s your cash, after all. With the right programs, getting money back on all the items that you buy (for baby and beyond) is easy. Even a few purchases equal big savings. Put that money toward other important financial matters in life and sit back and enjoy the savings.


Improve Your Credit Score

Today is the best day to improve your credit score. Not only does a good credit increase odds that you’ll get approved for more lines of credit, but it also reduces the amount of interest you’ll spend to acquire credit from different companies. You need a safe car to transport baby around, college rolls around before you realize it, and the baby has many needs between those years. Without good credit, getting these things is sometimes difficult.

Luckily, there are many simple ways to improve your credit score in a matter of a few short weeks. The first step is to identify your credit issues and reduce the debts that you owe. Find the best credit repair company in town to help you get started. With the expertise that the professionals offer, getting the best results and best credit score is easy.


Don’t Forget Second-Hand Shopping

Not everything baby needs is acceptable in second-hand condition, but many things are. Buy second-hand clothing, strollers, toys, and miscellaneous items to considerably reduce expenses. For many new moms, shopping consignment sales and stores and other second-hand sources provide them with fun and savings! Shops are found online and in the local area, so make sure to scoop them out and learn what they’re all about.


Keep More Money in the Bank Account

It costs a lot of money to raise a baby, but there are many ways to reduce the expense so that amount is much less for your household. Use the above ideas to start saving money as a new parent quest. It’s not as difficult to save money as you thought it would be!

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Here are 5 Ways Car Manufacturers Are Making Cars Safer

Accidents happen, but car manufacturers have recently went the extra mile to prevent the thing s that cause crashes. Distracted driving, drowsy drivers, and even poor research techniques have contributed to injuries and deaths.


Improvements for The Driver


The main job of the driver is to keep your eyes on the road. While people are constantly tempted to look at their phone, view their gauges, or mess with the stereo, manufacturers have combated this in many ways. The heads-up display, which comes equipped on many cars, puts the dashboard gauges and navigational directions in the line of sight of the driver. Hands-free technology is also helping to save lives. Distracted driving is responsible for 20% of all car accidents, so many U.S. states have already passed laws forbidding texting and driving. To further help lower this number, cars are coming equipped with Bluetooth technology.


Backup Cameras


Another important feature that helps all drivers be aware of people and objects that might be hard to see. Statistics indicate backover accidents result in over 15,000 injuries and over 200 deaths per year. As of 2018, all new cars are required backup cameras. While the government made this ruling, it might have come much later if manufacturers hadn’t developed and improved this technology.


Adding Blind Spot Sensors


This feature scans your blind spot keeps you informed when Blind spots are the ever-present danger to all drivers. It doesn’t even matter if you’re driving in the best SUV, with every safety feature imaginable, and are driving your best, if someone else fails to see you in their blind, an accident can happen.


So it’s reassuring to know more and more cars on the road will be equipped with this feature, which should reduce the number of unavoidable car accidents. You should still fine tune your mirror settings, but it’s a great feature for drivers of all ages and ability levels.


Collision Avoidance Systems


In addition to blind spot sensors, there are many other collision avoidance systems that come equipped on many standard packages. The sensor is either radar, a camera or laser technology to detect an impending crash. In 2016, 40% of US cars model had ( autonomous emergency braking) AEB as an option and by 2022, all U.S. car manufacturers expect to be in every car.

Insurance companies have noted n a drop in the number of claims that correlates with the number of cars with auto-braking systems. Adaptive Cruise Control helps the driver maintain a safe distance behind other vehicles.


Adaptive headlights change the field of view to help illuminate the direction you’re driving. It’s another system that belongs in this category since it also has reduced the number of crashes.


There is also Lane Departure Warning Systems which give an auditory, visual or vibration signal if the driver drifts into another lane. Lane keeping assist corrects this problem if the driver doesn’t respond from the warn and lane centering helps keep the car centered in difficult driving situations.


Crash Test Dummies Of All Sizes


Most of the data that car manufacturers had to work with was based on crash dummies that represent the average human being. And while it’s wishful thinking to say everyone weighs the same amount, this still doesn’t account for height and build, differences.


Engineers currently utilize crash test dummies of various sizes, shapes and seating configurations.




These inventions and innovations to the way cars are built have saved countless lives. Many of the features listed were originally luxuries and a few still are, but as they prove to be vital in saving lives, it wouldn’t be surprising to see them to become the standard for all vehicles, thus making the road safer than it has ever been.


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