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Your payment history could affect your credit score
Your credit history accounts for 35 percent of your credit score. That’s why your payment history is one of the most important factors in deciding your credit score. Other factors that affect your credit score including balances, credit history, type of credit and inquiries takes a back seat to payment history. There are aspects of payment history that affect your credit score negatively. Serious... [Read more]
Looking for new revenue, banks role out “payday advance” products
Communities of all sizes in the U.S. are flooded with “payday advance loan” boutiques tucked away in strip-malls. They trap financially strapped consumers in a vicious circle once come in through the door. A borrower required to provide a signed check in order to borrow against their weekly, bi-weekly or monthly wages. They collect outrageous fees that amount to 300 – 550 percent annual... [Read more]
Chinese government supported UnionPay becomes a world player
Visa card issued by Visa International is the world’s number one credit and debit card processor. We hear the name Master card mentioned when we talk about credit cards. But have you heard of UnionPay? The Shanghai based UnionPay is owned by 85 Chinese banks including the Chinese government and is the world’s second largest credit card processor behind the Visa card. China’s credit card... [Read more]
Worldwide government bond markets are slowing creating more demand
Central banks all over the world are buying government bonds in order to improve economic conditions especially job growth. Most of the activity concentrated on troubled European countries including Ireland, Greece, Portugal and Italy. Portugal’s bonds were the best performer while Japan coming in as the worst due to its high sovereign debt load. All throughout the world, government bonds outperformed... [Read more]
Helping parents and kids
Many baby boomers are retiring and some are faced with financial insecurity due to many reasons. They may are faced with ill health and healthcare cost is putting a strain on their retirement income or unable to bear healthcare cost. If you have retired parents and children and faced with a similar situation, here are few ways to get some help. Healthcare costs are rising. One estimate indicates... [Read more]
Do you have a corporate shield to protect you and your business?
Small business owners have very little time to devote to formalities such as maintaining financial records. Therefore, many elect to run their business as a sole proprietorship or as a general partnership. These forms of businesses require less attention to formalities and allow the owner to concentrate more on the business side. However, these forms of running a business do not provide the owner... [Read more]
Ways to save money
Here are few ways to save money for future retirement or to pay current liabilities. Cut your interest rates: If you are a homeowner with a mortgage, look into your current mortgage interest rate. Rates are at a historical low. If you have obtained a loan few years ago, your rate may be higher than what the currents rates are. By refinancing you will be able to save few hundred dollars a month... [Read more]
A solution for European debt crisis
At its peak in 2008, the Euro traded at $1.60. The slide of the Euro has resulted in trading the Euro closer to $1.22 today. Some analysts say that the Euro will fall to $1.18 soon. Some economists and financial gurus are expressing their opinions and indicate that the Euro’s parity with the Dollar will be a way out of its current economic crisis. The European Central bank has the unlimited power... [Read more]
U.S. taxpayers to profit from Troubled Asset Relief Program (TARP)
There were much criticism about the TARP that was introduced in 2008 and 2009. It was dubbed as a government sponsored bank bailout at the time. A total of $245 billion of tax payer money was pumped into save banks from going under during the worst financial crisis of this generation. It appears that the U.S. tax payers are benefiting from the TARP after all. So far Uncle Sam has collected $264 billion... [Read more]
What you should do if your business is failing
Countries large and small all around the world are experiencing enormous difficulties and small businesses feel it more than any other enterprise. If all your attempts to keep the business alive fail, do not wait any longer waiting for a miracle. There are quick steps you can take to reorganize or to move to another business. When you start to see first signs of trouble, you can turn to outside of... [Read more]
