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Christian InTech Articles - Mobile Cell Phones
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Business Menu Planning-Satisfy Your Customers, Don't Stuff Them!
As you take a closer look at what you offer on your
Be careful what you have on your business "menu" because someone might just want it!
I remember when hair salons offered very basic services. They cut hair, styled hair, permed hair and...
Can You Really Make an Honest Living on the Net?
I was thinking about business the other night, which is not a surprise, since I think about business all the time! However, I was remembering my Dad telling me about starting his business. He decided to go into the automotive parts business right...
EBay Basics
ABOUT EBAY:
Founded in September 1995, EBay (Nasdaq: EBAY) is The World's Online Marketplace® for the sale of goods and services by a diverse community of individuals and small businesses. Today, the EBay community includes more than a hundred...
GREAT IDEA! NOW WHAT? THE ENTREPRENEUR'S CHALLENGE
You've done it! A brand new product idea. Or, perhaps, a new
service, based on a need you've spotted which no one else seems
to have noticed. Possibly even a unique and different way to
accomplish an older idea. You can see it's effects, know...
International Telephone Calling Tips
If your business requires overseas communications with suppliers or customers; or if you have a loved one living or traveling abroad; you know that the cost for overseas calls can come as a shock to your budget and cause you heartburn if you...
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5 Ways Poor Credit Scores Costs You Extra Money
Most of us want a good credit report to obtain automobile
financing, credit cards, and to purchase a home. But, beyond
these consumer loans, your credit report can cost you in
everyday living expenses. What you don't know about your credit
could be costing you money.
Having a credit card means that you can order tickets, rent a
car, and reserve hotel rooms. Besides these conveniences, your
credit report can mean that you must pay higher deposits and
fees for everyday services.
Did you know that your credit history can keep you from getting
utility connections, good telephone rates, the best auto
insurance, home owner's insurance, or even keep you from getting
hired?
1. Some utility companies set minimum standards for service
connections. If your report shows collection accounts for prior
utility bills, you may not be eligible for service at all. And
if utility companies do agree to connect your service, you'll
need to pay a higher deposit than another customer with good
credit who may not need to make any deposit.
2. The same requirements exist for telephone services. People
with a good credit history don't need to pay deposits for home
telephone or cell phone services. When we first got a cell phone
with poor credit scores, we had to pay a $300 deposit, for one
cell phone. After fixing our credit, we got eight cell phones
for our business, with zero deposits.
3. What many people don't realize is that good credit enables
them to get better insurance rates. High-quality, low-cost home
owners' insurance, auto, and life insurance companies set
minimum credit standards for their policy holders; this means
that consumers with poor credit have to pay more for less
coverage. Many automobile insurance companies now
base your
monthly premiums on your credit score; these companies offer a
17% discount if your score is over 625 and a 25% discount if
your score is over 725. Why? Because according to their studies,
people who are careful with their credit are also careful with
their property and careful drivers.
4. Bad credit can cost you a job. More and more employers run an
applicant's credit report and hire the person with better
credit, assuming that better credit equals better integrity and
character. A friend of mine with a Master's Degree and a 4.0
grade average did not get hired; she was told her credit score
didn't meet their minimum standard and that they hired another
person with less education.
5. Poor credit scores means you pay more for your home
financing. Mortgages cost more in upfront fees and interest
rates for those with low credit scores. How much can you save? A
mortgage loan of $150,000, 30-year, fixed-rate mortgage,
interest rate of about 5.72 percent costs around $870 a month;
poor credit scores raise the interest rate over 9 percent and
the payments over $1,200. As you see from these payment
differences, good credit means that you can finance a more
expensive house with the same income, or save $330 each month.
Boost your credit score so you can save money on everyday
expenses, get high-quality insurance, and the best mortgage
financing.
Copyright © 2006 Jeanette J. Fisher. All rights reserved.
About the author:
FREE Credit Help Teleseminar. Get expert advice on building your
credit from real estate college instructor Jeanette Fisher. More
free credit tips http://worryfreecredit.com
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