By Mark Abell Small business owners can significantly improve their chances of getting a loan approved by first taking steps to boost their personal credit score. The biggest factors that any bank looks at when deciding whether to approve a loan are the 5 Cs of credit: capital, collateral, conditions, cash flow, and creditworthiness. For young…
6 Pieces of Timeless Business Advice From Ford, Hamilton, Rockefeller, and More
By Hayden Field In the 2015 musical Hamilton, Alexander Hamilton is championed for furthering his career “by working a lot harder, by being a lot smarter, by being a self-starter.” In a 2016 episode of Saturday Night Live, Benjamin Franklin is featured as a fictional guest at the very first Thanksgiving. And in the 2018 Netflix…
6 Tips for Digging Your Small Business Out of Serious Debt
While most people consider some debt to be healthy, too much debt is certainly not good for a small business. It acts as a weight around your ankle, holding you back from accomplishing your long-term financial goals. Serious debt is something that creeps up on a lot of business owners, you’re not alone. But how can…
18 Destructive Habits Holding You Back From Success
By Deep Patel Habits are the foundation of our everyday lives. We build our daily practices, and eventually, our habits and routines shape us. We either build good habits that support us as we move toward our goals or bad ones that undermine our ability to achieve and succeed. One thing is for certain: it’s going…
18 Destructive Habits Holding You Back From Success – The 4th One is the Key
By Deep Patel Habits are the foundation of our everyday lives. We build our daily practices, and eventually, our habits and routines shape us. We either build good habits that support us as we move toward our goals or bad ones that undermine our ability to achieve and succeed. One thing is for certain: it’s going…
Does Crypto Lending Affect Your Credit Score?
June 19, 2022
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Although very popular and quickly becoming mainstream, cryptocurrency is something that still seems to confuse many people. Throw in a new financial system made up of FinTech companies that provide crypto loans and other crypto-related services. Then things start getting even more confusing, which is why all efforts to unravel this new technology are essential…
4 Ways to Completely Destroy Your Credibility at Work
By John Brandon The way we work is changing, but that’s not the only shifting thing in the workplace: Your credibility with your coworkers can also shift—and it can happen faster than you think. Make a few loudmouth remarks, berate people too much, or make up a few loose facts, and you will be ostracized as…
Using Credit Cards to Boost Your Credit Score
June 6, 2022
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A low credit score will hurt you when you try to get any kind of credit. Although you may not be refused new credit, you may not get the best interest rates. You also will not be given large amounts of credit or longer repayment periods to pay back the debt. Fair or even bad…
Credit Card Borrowing Grows at Fastest Annual Rate in 17 Years
May 31, 2022
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Households’ credit card borrowing grew at the fastest annual rate since 2005 in April, according to Bank of England figures–just as a string of price rises started to hit. The annual growth rate for all consumer credit, which includes borrowing on credit cards, overdrafts, personal loans, and car finance, increased to 5.7 percent in April…
Don’t Make This Critical Credit Card Mistake that Costs You Big
May 29, 2022
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A survey found that 43 million Americans carried a credit card balance to help improve their credit score. But there’s a big problem with that strategy: carrying a balance does not help your credit score! This is one of the most popular myths with credit and something you should avoid. Follow along to learn why you…
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