Right now, there are many things that make it difficult for many people and also for families. It can be in the simple way of paying the monthly bills and also the daily necessities of each member of the family, particularly for those who need to go to school. And that is why there are more people who file bankruptcy. Their main reason is because of economic changes that affected their income or even experienced unemployment, which is one of the common situations right now. If there are people who file for bankruptcy due to the difficult...

Credit is very powerful as you know and when used correctly it can become an asset in your life. The benefits of good credit are that you can enjoy a low APR (annual percentage rate). A low APR credit card can save you thousands of dollars in interest charges in one year. Let’s say your credit score is very high, about 780. Creditors will charge you a lower interest rate than if your credit score were just 575. What are some of the things you can do to help you get those credit cards? lower interest? Use only 30% or less of your...

We are in a digital world where almost everything is integrated into a single World Wide Web system. We are in an era where we don’t need to have a store to sell our products, an era where we don’t have to meet to communicate, an era where we don’t necessarily have to follow the traditional door-to-door method. to advertise our products, but an era in which everything is done simply and quickly. With the rising high level of graduate unemployment in Nigeria, I started to think about exit, as I will soon graduate from...

Have you heard of PEO / Employee Leasing Services but are not sure what exactly they are? Do you think these services mean working for a temporary or staffing agency? I speak with many business owners who have heard that PEO services can help them save time and money, but it is not always an easy concept to understand. So what is an employee leasing company and how can it help your business? Employee leasing companies partner with business owners to share employer responsibilities and obligations. The company functions as the administrative...

Unions are established to look out for the interests of workers and ensure that they receive their fair compensation. They also make sure that companies don’t exploit their workforce. However, the efforts of these unions are not always beneficial to workers and companies, and the bargaining power they have over companies can sometimes have a detrimental effect on workers’ interests. Higher and equal wages Unions ensure that workers earn higher wages and compensation than in non-union institutions. Unions are also likely...

Using an assistant contract is vital when hiring a real estate assistant. It should describe the working relationship between you and the assistant. The first thing to consider is whether you are an employee or working as an independent contractor. If you choose to have an employee, you must deduct taxes, social security, and unemployment insurance from your salary. This involves a lot of registration on your part plus the additional expenses you incur from having an employee … So after considering it, most agents who hire assistants...

For many people who want to correct their credit rating, a 700 credit rating would be ideal, but if your FICA scores are lower, you may need to make some adjustments to the way you’ve been doing things. A low report affects your ability to get a mortgage, buy a car, apply for a store account, and just about everything else to do with money. If your FICO score is between 499 and 600, here are some simple methods that allow you to correct your credit report. Get a copy of your credit report with credit scores online. If you have...

What constitutes your business credit score? What gives you the best chance of getting a loan? Here are some factors that influence your business credit image and what you can do to get the most out of them: 1. Payment History – Your payment history is an important part of your business credit profile and is what your D&B Paydex score is based on. Many credit opportunities come with a minimum Paydex requirement. What you can do: Always pay providers BEFORE. On time is “fine”, but it is best to pay in advance...

California continues to struggle through these tough economic times. The unemployment rate in the state is 12%, however, some Northern California counties are reporting unemployment rates in excess of 20%. The housing market in the state is also struggling to recover, as many analysts believe we have yet to hit bottom. What can California do to bring some relief to its residents? Senator Joe Simitian believes he is on the right track to stimulate the state’s economy. The Democratic senator introduced a bill that would require...

Medical bills are the most common reason people seek bankruptcy. However, it is possible to seek protection against bankruptcy medical bills because hospital bills are considered unsecured debt. A Chapter 7 bankruptcy is perfect in the sense that it is the fastest and the debtor can walk away with only a few nicks and cuts, particularly some properties that are not covered by the exemption and their overall credit score, which can affect their ability to secure loans in the future. Bankruptcy medical bills might be the best thing you...