Stop Living with Bad Credit…It’s More Than a Money Matter


July 22, 2014 | Posted in Credit, Finance | By


I know some people get tired of me promoting the importance of credit, credit ratings and smart money. However, living with bad credit costs people thousands of dollars along with potential opportunities. Potential opportunities you ask? YES…potential JOB opportunities. If getting better interest rates isn’t enough to move you to improve your credit, missing out on potential job opportunities should.

Imagine spending time building your resume with solid work experience only to have your dreams dashed because you’re living with bad credit. Don’t believe this can happen to you? See this article posted on CNN Money’s website -> I also have clients who have personally experienced this, which brings an element of reality to the table. More and more employers are reviewing personal credit reports to see how potential employees are managing their personal affairs. Imagine going through the hiring process for your dream job only to be eliminated because your credit scores are lower than another candidates. No bueno (good)!

A large number of people are under the impression that improving credit requires a lot of work and in some instances it might. However, working smarter is most likely the solution to your credit problems.

Here are four quick things to do in order to improve your credit scores:

1. Start paying your bills on time TODAY!

2. Resolve past credit issues by paying-off, settling or validating the accuracy of accounts. Each account is different so you may need to consult a professional for assistance.

3. Pay your account balances down. The rule of thumb is to keep your utilization ratio around 30%. This means if you have a credit card limit of $1,000, you want to keep your balance for that account at or below $300.

4. Don’t close your old accounts. Aged, active accounts actually assist with increasing your credit scores. You lose that history when you close older accounts.

As always, feel free to share your stories with me…I enjoy hearing from you.


Jobs with the lowest (and highest) unemployment (CNN Money)

January 10, 2013 | Posted in Business and Professional, Career, Education | By

 Business Discussion

Want a guaranteed job? Get used to being called doctor. And stay in school.

The top jobs with the lowest unemployment rates for 2012 include fields in areas from health care and finance, to social services and engineering — and all require a lot of education and training.

“You look at these jobs, they are all high skilled, high education, and high experience,” said Abraham Mosisa, an economist at the Bureau of Labor Statistics. “Therefore, demand is generally high in all those areas.”

On the other end of the spectrum are jobs in construction, sales, and transportation. Not only do many of these jobs require less formal training and education, but some – like telemarketing — tend to have high rates of turnover, said Mosisa.

Click here to continue reading the article




Forget discouraged, 3 million workers hopelessly unemployed (CNN Money)

January 7, 2013 | Posted in Business and Professional, Career | By

NEW YORK (CNNMoney) By Annalyn Kurtz

Employers may be hiring, but there’s another big problem with the job market that isn’t being tracked as closely: the hopelessly unemployed.

An often overlooked number calculated by the Labor Department shows millions of Americans want a job but haven’t searched for one in at least a year. They’ve simply given up hope.

They’re not counted as part of the labor force, the official unemployment rate, or the category the Labor Department refers to as “discouraged workers” — those who haven’t bothered to look for work in the last four weeks.

Continue reading the article here –> Read Article


Seeking job security? Try this gig (CNN Money)

January 4, 2013 | Posted in Business and Professional, Career, Education | By

Occupational therapists have incredible job security. They make about $75,000 a year and help people lead their daily lives in the process.