Your credit score is one of the most important numbers in your life. It determines how much interest you pay for loans, the jobs that will be available to you, and much more. Unfortunately, most people learn about the importance of their credit after they made mistakes that hurt their credit score. Credit Queen University can help you fix the issues on your credit report, which can save you tens of thousands of dollars over a lifetime. Besides directly working to resolve credit issues, we give our clients advice on things they can do to improve their credit score. Here are four of the many strategies we recommend to help rebuild your credit.
Start Making Payments on Time and Lower Your Credit Utilization
The most critical factor that determines your credit score is your history of on-time payments. To protect and rebuild your credit, it’s vital that consumers pay all bills and loan payments on time, every time. If you have a history of making late payments or missing payments, your credit score will drop dramatically. One way to prevent late or missed payments is to set up automatic payments with your bank. Consumers with many debts to repay should prioritize the ones that are in relatively good standing. It’s better to have some accounts that are up-to-date rather than to allow all of your lines of credit to have missed or late payments. Consumers should also try to lower their credit utilization. This metric measures how much credit you’re using compared to how much you have. It looks bad if you have a credit limit of $10,000 and you’ve spent $9,000 of it. Ideally, you want to aim for 30 percent credit utilization or well below. In other words, don’t max out your credit cards and other lines of credit.
Get a Secured Credit Card
Many people who want to repair their credit start the process after their credit cards and other lines of credit have been closed. Since it can be challenging to get a new line of credit if your score is too low, a secured credit card is a way to rebuild your credit. A secured credit card has a limit that’s based on money that’s been deposited upfront as collateral. However, it works like every other credit card in terms of payments, interest, etc. So long as the secured credit card issuer reports your payments to all three major credit-reporting bureaus, it will improve your credit score over time.
Get Negative Information Removed
Though people often use the terms interchangeably, your credit score is different from your credit report. Your credit report is a list of all reported credit transactions you’ve been involved in, and that data is used to generate your credit score. To repair your credit, it’s vital to review a credit report and dispute any inaccurate information. This process can be harder than it sounds, which is why it’s beneficial to get help from an experienced network like Credit Queen University. Besides removing inaccurate information, it’s sometimes possible (though rare) to get a reporting agency to remove negative information. Options such as debt validation (for collection agencies), pay for delete, and goodwill deletion requests are the options that a professional credit reporting service can help you utilize.
Keep an Eye on the Age of Your Credit
Many people may not realize that the age of the credit listed on a credit report significantly affects your credit score. It’s estimated that the age of your credit accounts for roughly 15 percent of most credit scores. Credit bureaus look at the age of your oldest account and the average age of all lines of credit. A long credit history without any significant slip-ups suggests that your credit behavior will be similar in the future. Though the age of credit isn’t as important as other factors, it’s something to keep in mind. You can raise your average age of accounts by refraining from opening any new accounts and keeping your oldest accounts open and active also help.
If you need help improving your credit score, Credit Queen University is here to help. We have years of experience helping everyday people improve their credit reports.
Contact us to learn more about our program and services.
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So you want to start a business or you've already started your business.
Either way you are now in BOSS territory.
But now that you have arrived what's the next steps?
- Do you secure a website developer?
- Open a business bank account?
- Hire a lawyer?
- Begin preparing for taxes?
What are the next steps?
Well to be honest and transparent, it differs for everyone depending on your business, industry, and structure.
Your next steps depend on where you're trying to take your business, and how far you are willing to go.
Your business is an investment so in order to get your return back on your investment you MUST create a strategic plan of action that is going to a lot you the return that you need.
If you haven't already formulated your business plan or operational plan of action you are missing a key component in the development and expansion of your business.
Turn that hustle into a legitimate business by being properly prepared for success. When we try to take the shortcuts we end up hurting ourselves in the longrun, and then we have to step back and fix what was broken in the beginning.
By taking the time to prepare and build a system of success, you are giving your business the ultimate opportunity to reach extraordinary heights.
What type of business are you currently building or want to build?
Drop your link in the comments below. If you have a question about business please feel free to comment below. It's FREE!!!
If you need tools, resources, strategies, and connections..thats when you join She's Got Her OWN Network, the #1 Network for women on the rise.
Join Here: http://www.shesgotherown.com/enrollment
Use Canva’s drag and drop editor to create amazing mood boards
Trying to describe or capture something as abstract as a mood or feeling can feel like an exercise in frustration.
How do you evoke the right mood when all you have is words? For this reason, professional designers turn to mood boards — a collection of images, textures, typography, color palettes and description words. Also known as an inspiration board, mood boards can help you gather ideas and inspiration for a project as well as help your pitch get off the ground faster.
Mood boards, especially digital ones, are definitely fun to create but can be quite complicated.
Using Canva’s drag-and-drop design tools, however, makes it much easier and faster to create one.
Browse through their amazing collection of professionally made templates then start customizing the ones you like best to fit your project perfectly.
A mood board is generally a collage consisting of photos, illustrations and other graphics.
It may contain some text, but it’s mainly a way to make your ideas visual and express yourself through images.
Mood boards can be large enough to cover a wall or small enough to fit your screen.
Most mood boards often include:
- images from your personal collection, brand photography or stock images
- logos and icons
- sketches and illustrations
- color swatches and backgrounds
- stylized font and text
- fabric and paint and textures that suit the overall design.
You've been dreaming about building wealth, you've been searching the internet trying to find the perfect investment.
Well look no further, you've already found it...IT'S YOU!!
That's right you are your OWN investment, so why not set yourself up for success and not failure?
To begin the process you simply need to enroll into Acorns portfolio building program, connect your bank account, and BOOM, you're ready to begin learning how to earn and investing into your future and retirement.
We all have different financial goals, but what we can all agree on is that we want peace, balance, and happiness.
You can personally begin this journey with ease by use of the Acorns investment platform, where they make it simple and easy to understand investing, and wealth building.
No need to hire an expensive investment coach, you can do this on your very own.
Now is the time to establish your wealth portfolio and begin building an empire of sustainability for generations to come.
Click Here to open your own wealth portfolio account at ACORN.
Acorns is designed to help you build wealth over time. Here’s how our suite of products supports your whole financial life. Acorns covers trading fees and regularly rebalances your portfolio to keep you on track for your goals. They also automatically reinvest dividends, payments some companies and funds give to shareholders, to help your money grow faster.
Investing gives you the chance to build wealth outside of your paycheck.
Over time, compounding—when the return on your investment earns a return of its own—can help the money you invest grow exponentially.
Acorns Invest and Later portfolios include a mix of exchange-traded funds (ETFs) with exposure to thousands of stocks and bonds. This way, if some investments are down, others may be able to hold you up.
HOSTED BY YOUTUBE INFLUENCER: Pieces of Onye
Hey y'all, hey!
I put this video together to show you how to use Instagram's newest feature, Reels.
Here's everything that I'll be going over in the video:
1. How to create an Instagram Reel
2. What to do if you don't have audio for IG Reels
3. How to add text to an Instagram Reel
4. How to publish an Instagram Reel
5. How to add Effects to an Instagram Reel
6. How to change the Speed of an Instagram Reel
*If you don't have audio on Instagram, I recommend contacting Instagram frequently about it via the help option.
This has proven successful for a number of people.
Another option is to use the audio of someone else's IG Reel.
Join She's Got Her OWN Network and gain FULL ACCESS to all the resources, tools & strategies to help you LEVEL UP!
Only $4.44 to join for 7 days - After 7 days Membership is Only $32.99 Per Month (NO CONTRACTS) Self Paced Program.
Maintaining a healthy balanced lifestyle and friendship is one of the keys to success. Having supportive people in your corner and creating an atmosphere of empowerment, abundance, and fun will keep you focused and most of all inspired.
Selfcare involves having healthy relationships and friendships. Here are some topics you could discuss while enjoying your day:
1. Discuss Business Ideas
2. Discuss Goals
3. Discuss Financial Planning
4. Discuss Ways To Brand and Market
5. Discuss Credit Goals
The point we are trying to make is BE PRODUCTIVE while taking some time off with good company.
You and your BFF could also become members of the #1 Network for Women on The Rise. Only $4.44 to Join and & $32.99 a month to stay active and gain FULL ACCESS.
Join Here: http://www.shesgotherown.com/enrollment
The Start Of Business
The Internet is a pervasive and everyday part of the business landscape these days.
Whether you’ve been in business for 20 years or 20 minutes, the keys to success are the same:
✓ Having a good idea: If you have something to sell that people have an appetite for, and if your competition is slim, your chances of success are hefty.
✓ Working hard: When you’re your own boss, you can make yourself work harder than any of your former bosses ever could. But if you put in the effort and persist through the inevitable ups and downs, you’ll be a winner.
✓ Believing in yourself: One of the most surprising and useful things we discovered is that if you believe that you’ll succeed, you probably will. Believe in yourself and proceed as though you’ll be successful. Together with your good ideas and hard work, your confidence will pay off.
If you’re the cautious type who wants to test the waters before you launch your new business we suggest starting small. Head on over to Baddie Mall to get your vendor lists to gain access to vendors that can help with sourcing your products. After you’re online, you can master techniques to improve your presence. She's Got Her OWN Network can help you with building a sustainable business.
START YOUR OWN BUSINESS WITH OUR RESOURCES
Welcome to Baddie Mall vendor data/resource platform.
Providing you with carefully researched, curated, and selected vendors from all over the world.
We make it convenient for our customers to find the vendors they need in order to succeed.
From vendor lists to small business resources we have it all.
Class Is In Session.... our Baddies are ready to take over!! We provide the resources and tools that turn Baddies into BOSSES! 💅🏽🔌
All of our products and resources are thoroughly researched, curated, and selected with care to meet the high-quality standards of our customers and clients. Once purchased, all resources will be emailed to you by one of our Baddie representatives.
If you would prefer to speak to a representative after you receive your resources, please call:
1-877-277-6819 ext 4 | M-F 9am-5pm PST, or email firstname.lastname@example.org
The Baddie Mall Inc.
FILMING YOUR FIRST ONLINE COURSE
Getting your first online course out there is an incredibly exciting and fun thing to do. This is at least what it felt to me, when I started working on my course over the last few weeks. Although I had studied online courses of other people in the past to improve my own skills, filming and getting my first online course out there was not as easy as
I expected it to be. My business partner - and videographer for the course - and I made quite a few mistakes. We also learned new things, which we will implement when filming the next online course very soon. As some people asked me to share my lessons learned,
So here we go:
1. Get clear on how you'll market the online course Before shooting the whole online course material, make sure that you know what kind of additional material you will need to shoot for promoting the course. A teaser for your squeeze page? Another video for your landing page? Behind the scenes material (short video clips and pictures) for your social media channels? Creating this content can be easily forgotten but it is really important as well!
2. Invest in great technical equipment
Lesson learned #1: Get spare batteries for your camera(s). I know that they are quite an investment but nothing is as annoying as being ready and excited to film but the technical equipment simply says "nope". That will kill your energy and vibe.
Lesson learned #2: We worked with great classic photography lights. They were ok but the videos required more post-editing afterwards than initially expected; time we could have used smarter/better.
Recommendation? Invest in variable video lights!
3. The art of working with a teleprompter
If you have never worked with a teleprompter before and if you would like to use one when filming your online course, start training with it as soon as you purchase. Figure out what speed and font size works for you.
PS: Use a new paragraph whenever you start a new thought. Highlight words in capital letters that you'd like to emphasize. That will enhance your reading flow. I created 19 separate script files in a free app called Prompter Duo.
How? I "copy and pasted" the text out of the original Word file that I had stored on Dropbox. Oh, and don't forget to charge your ipad before you start filming and at the end of the first filming day!
4. Block two half days
No matter how great you are in front of the camera, filming 19 (or more) videos in a day requires A LOT of concentration and energy. Even if you possess outstanding acting skills, discipline and will power, the fact that you are tired will very likely - at a certain stage - show in your body language and facial expressions.
A better strategy? Plan in two half-days for filming the online course instead of one full day (it is easier and more fun). Also make sure that you take regular short breaks, drink enough water and don’t forget to eat during those two days.
5. Don't start filming until the technical set-up is great
Especially when you do this for the first time (after watching 10,000 Youtube tutorials), finding the right light, eliminating all shadows and being happy with the audio can be a pain in the back.
Argh! It makes sense though to experiment with the lights and audio until you get it right. Test the setup a few times before the actual filming day. That will save you heaps of time and eliminate frustration when you will be filming. If you cannot get it right, ask an expert.
6. Check & structure your files.
Whenever you are content with a video that you have filmed, make sure you watch and double-check it on your laptop or desktop (-> on a big screen). If it is still ok, give the video a name and create a folder structure - ideally it follows the structure of your online course. Rename and place the videos of your second camera in the respective folders as well. This will make your editing process faster.
7. Get an assistant
If possible get an assistant for make-up, hair and clothes. Someone who will be around during those days, whose job is to focus on the presenter's make-up, hair and clothes, switch on the ac, order food etc. There were a few takes that we had to redo because I started to shine on my forehead, my shirt did not sit right and other small flaws.
As everything in life, you learn best by doing and experimenting to figure out what works and what does not work. I genuinely like the end results of my first online course and look forward to filming more.
Some industries — from shipping to online learning — are hiring to meet coronavirus-related demand. Here are some of the companies hiring right now.
- Instacart says it’s looking to hire 300,000 contract workers over the next three months.
- Amazon says it’s looking to hire 175,000 new workers for its fulfillment centers and delivery network.
- CVS Health is hiring 50,000 employees to serve in various capacities across its business.
- Walmart is hiring 50,000 workers for its distribution and fulfillment centers.
- Dollar General says it's looking to add 50,000 employees by the end of April.
- FedEx is hiring 35,000 people for essential roles.
- Allied Universal is hiring more than 30,000 people for open positions.
- Pizza Hut is hiring 30,000 permanent employees to serve as drivers, shift leaders, cooks and managers.
- Ace Hardware is hiring 30,000 people to work in its stores nationwide.
- Lowe’s is hiring 30,000 employees to meet the demand created by the coronavirus.
- Dollar Tree, which is also the parent company of Family Dollar, is hiring 25,000 workers for its stores and distribution centers.
- Walgreens is hiring 25,000 employees for permanent and temporary roles.
- Papa John's is hiring 20,000 workers to meet demand.
- 7-Eleven is hiring up to 20,000 employees due to increased demand.
- Kroger is looking to hire an additional 20,000 workers across the U.S.
- See the full list by clicking here.
Let’s talk about CHANGE!
How to change the things that you don’t like, don’t want, and how to get back on the path towards prosperity, elevation, abundance and LOVE!
In situations like these you have to adapt like a virus, look for opportunity and don’t become paralysed and over analyse everything. Be smart and take action even if its not perfect.
TIP ONE: Save your money. Reduce your spending & build a safety fund. Reduce as much unnecessary spending as possible, be unbelievably stingy and put it all towards building a safety fund if you don’t already have one. This should be 3-5 months of your living expenses and only used in an emergency.
TIP TWO: Invest in Index funds. Index Funds are one of the safest, long term investments strategies you can use to take advantage of the current crisis as we have an extremely undervalued stock market. Index funds contain lots of different companies and therefore track the stock market. If things start to improve and people start getting better, then it will kick start the chain of events and the market will bounce back dramatically. One of the most popular index funds is called the S&P 500, is comprised of the biggest 500 companies in the USA such as Apple, Amazon and Microsoft. The amazing thing is that buying and hiding this fund for a 20 year period has never lost anyone any money. I love using Vanguard index funds, you can just jump on their website and open an account and pick your risk tolerance.
TIP THREE: Sell Shovels. No I’m not talking about actual shovels, let me explain…. Just think about the outbreak. People are having to self isolate causing the demand for virtual technology that allows people to work from home to skyrocket. Even schools are turning to online streaming services to teach their students. So as soon as you can start creating and selling products which allow businesses to continue making money despite the crisis, then you will be onto a winner! You may be thinking that sounds all good during a crisis but what happens when everything goes back to normal…
TIP FOUR: Invest in real estate This is a long term strategy, by buying a house during a recession when things are less expensive and interest rates are low, over a 10-15 years you will see the a dramatic return on your investment. The trick here is to buy low and if the market is down you can squeeze the price, you only have to wait for the seller to say yes to your offer, if they say no then you have lost nothing. Remember you are in control , you have the cash that they want, its easy to give it away and hard to earn so make it hard for them to get it from you !
TIP FIVE: Buy individual stocks. I have left the most risky option until last. I’m not usually too keen on buying individual stocks as there is a potential to lose a lot of money. However if you can predict what the market is going to do correctly, there are huge rewards. But how do you know what stocks to buy? When everyone isn’t flying you BUY AIRLINE STOCKS. When restaurants are empty you BUY RESTAURANT STOCKS. When movie theatres are empty you buy MOVIE THEATRE STOCKS. It’s pretty simple. These stocks will be undervalued heavily and will give you the greatest return. It’s very hard to time the bottom of the market so the best way to invest is to catch the bounce on the way up, ride that wave until you see the signs of others getting too confident and then sell.
LEARN MORE TIPS BY BECOMING A MEMBER OF She’s Got Her OWN Network: www.shesgotherown.com/enrollment
- ½ pound butter, softened (2 sticks)
- ¾ cup + 1 tablespoon granulated sugar
- ¾ cup packed light brown sugar
- 2 large eggs
- 1 ¼ teaspoons vanilla extract
- ¼ teaspoon freshly squeezed lemon juice
- 2 ¼ cups flour
- ½ cup rolled oats
- 1 teaspoon baking soda
- 1 teaspoon salt
- Pinch cinnamon
- 2 ⅔ cups Nestle Tollhouse semi-sweet chocolate chips
- 1 ¾ cups chopped walnuts
- Cream butter, sugar and brown sugar in the bowl of a stand mixer on medium speed for about 2 minutes.
- Add eggs, vanilla and lemon juice, blending with mixer on low speed for 30 seconds, then medium speed for about 2 minutes, or until light and fluffy, scraping down bowl.
- With mixer on low speed, add flour, oats, baking soda, salt and cinnamon, blending for about 45 seconds. Don’t overmix.
- Remove bowl from mixer and stir in chocolate chips and walnuts.
- Portion dough with a scoop (about 3 tablespoons) onto a baking sheet lined with parchment paper about 2 inches apart.
- Preheat oven to 300 degrees F. Bake for 20 to 23 minutes, or until edges are golden brown and center is still soft.
- Remove from oven and cool on baking sheet for about 1 hour.
Cook’s note: You can freeze the unbaked cookies, and there’s no need to thaw. Preheat oven to 300 degrees F and place frozen cookies on parchment paper-lined baking sheet about 2 inches apart. Bake until edges are golden brown and center is still soft.
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