Unfortunately along with the holiday season usually comes an increase in credit card fraud and identity theft, so right after the holidays is a great time to check your credit report. The following article will show you why, when and how to check your credit report…
Why you should check your credit report
* to check for errors
* to check for fraud and identity theft
* to get the best interest rates
* more and more people are relying on credit scores - car insurance, employers, etc.
When to check your credit report:
* Once a year if you have good credit and don’t anticipate any large purchases in the near future
* Before a major purchase, such as a new home, new car, etc. - should request your credit report 6 months ahead of a big purchase so you have time to correct any errors
* If you’ve been denied a credit card, loan or other product or service because of your credit (you are entitled to a free credit report if you have been denied credit based on information found in your report)
* If you suspect that your identity has been stolen
* If you are starting a plan to get out of debt or repair your […]
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When business is slow it’s time to make some more sales. One of the easiest ways to do this is to get existing customers to buy more from you. The expense of picking up a new customer far out way the costs of getting a “second sell” from an existing customer.
It is funny how much effort businesses put into getting new customers and then forget to follow through.
Gather information and build a database of your existing customers. The way your business handles data will make the difference between being a top performer in your niche and just getting by. You should be able to search and find information within seconds about every aspect of your customer base.
Research your existing customers. Do you know their latest plans? Do you know all their buyers? Do you know who else they buy from? Is the owner of the business getting close to retirement? Is the business up for sale? Is the business in trouble? Is the business expanding? If so, which territory are they expanding into?
Successful businesses understand their customer’s fears and desires. They regularly ask questions. Know thy customer and you will stand a better chance of getting the next order.
Follow […]
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This story is not meant to scare you, though some of what you will learn may do that. It is intended to give you a clear picture of the state of U.S. pensions, social security, health insurance and Medicare, and what that means to your health and wellbeing in your retirement years. So if you are intending to retire in the next 20 years, pay attention. And if you’re not intending to, pay attention anyway. The impact of the current retirement and healthcare systems will reach far beyond the Baby Boomer generation.To set the scene, let’s recount a portion of a story told by Jim Jubak (financial guru) about his father.The voice on the other end of the phone was angry. There’s something wrong with my retirement check, the man said. His monthly pension check, which had netted him $350 a month for years, was suddenly just $180 — a drop of nearly 50%. Coping with the incredible shrinking retirement; Jubak’s Journal, March 26, 2004That excerpt was from a phone call between Jubak his father a few years ago. It seems the company his father had worked for for many years, and from which he had retired, had increased the […]
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