Understanding credit reports and your credit score is Part 5 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Topics covered in the last of the 6-part series include: managing job loss, essential documents, record-keeping, and the basics of investing. Money Matters was created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Understanding credit reports and your credit score is Part 5 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Topics covered in the last of the 6-part series include: managing job loss, essential documents, record-keeping, and the basics of investing. Money Matters was created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Using Credit is part 4 of the 6-part Money Matters class, created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
Great approach to tailoring financing to financial needs and goals of borrower. Mortgage terms from 10 to 30 years in annual increments. Ditech gives you the program to compete with the Quicken Yourgage
http://www.savoycredit.com
As industry experts, we understand just how easy it is for anyone to slip into a bad credit score. Whether your credit has been affected by student loans, a bankruptcy, a divorce, foreclosures or anything else, it can be an extremely frustration experience which can deny you access to many of your most important life goals.
Picking Up The Pieces: Rebuilding Your Credit After Financial DisasterCurtis Rose
It happens to many people sooner or later: a financial challenge knocks you down and your credit goes down with you. How can you stop the descending spiral of financial collapse?
The good news is: while it does take some time and effort, even the worst credit can be salvaged and be well above average again within 12 months!
This special report details strategies that will get you back on a positive financial track and help you rebuild your credit quickly.
Finding the right bank account, understanding options and fees are covered in Part 3 of the 6-part Money Matters series created by the Athens-Clarke County Library. Money Matters is part of Smart investing @ your library®, and is brought to you by a joint grant from the American Library Association and FINRA, the Financial Regulatory Authority Foundation.
Debtsin collections are a common form of debt in the United States. About thirty-five percent of people have a type of debt in collections.
Website - https://premiercreditplus.com
Great approach to tailoring financing to financial needs and goals of borrower. Mortgage terms from 10 to 30 years in annual increments. Ditech gives you the program to compete with the Quicken Yourgage
http://www.savoycredit.com
As industry experts, we understand just how easy it is for anyone to slip into a bad credit score. Whether your credit has been affected by student loans, a bankruptcy, a divorce, foreclosures or anything else, it can be an extremely frustration experience which can deny you access to many of your most important life goals.
Picking Up The Pieces: Rebuilding Your Credit After Financial DisasterCurtis Rose
It happens to many people sooner or later: a financial challenge knocks you down and your credit goes down with you. How can you stop the descending spiral of financial collapse?
The good news is: while it does take some time and effort, even the worst credit can be salvaged and be well above average again within 12 months!
This special report details strategies that will get you back on a positive financial track and help you rebuild your credit quickly.
Credit & Debt Issues for Military Familiesmilfamln
For the webinar, Credit & Debt Issues for Military Families, hosted by the Personal Finance Concentration Area of the Military Families Learning Network on September 20, 2016
Mark Lesinski Hamburg NY - A credit score in the United States is a number representing the creditworthiness of a person, the likelihood that person will pay his or her debts. Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Today, because of the credit crisis having a high credit score is more crucial than it has ever been.
You can liberate your credit score by following some well-established guidelines. Use this quick-start guide as a primer to the world of DIY credit repair.
Before filing bankruptcy you have to double-check whether you need this or not! This presentation includes a few mistakes you have to consider before going for a bankruptcy proposal!
A personal, no asset bankruptcy is known as Chapter 7. For this type of bankruptcy, our clients keep all of the assets they want to
keep (home if it qualifies, motor vehicle, personal property, clothing, etc.) and discharge all their consumer debts. We will work with you to determine that all of your assets are kept protected from the creditors.
A credit report is used as the basis for many decisions in a person's financial life, including approval for credit cards and loans, buying cars, and renting homes. Learn more about the basics of credit reports.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
2. Table of Contents
What Bankruptcy Does
Seizure of Assets
Your Credit Rating
Required Duties of a Bankrupt
Will Bankruptcy Effect My Spouse
3
8
17
19
2
5
3. Claiming bankruptcy in Ontario gives an individual
with overwhelming debts the opportunity for a fresh
financial start.
It does this by absolving them of their debts, stopping
collection calls and ending wage garnishment orders
against them.
3
What Bankruptcy Does
4. Keep in mind that not all
debts can be absolved. It is
very important to ensure
that you know which of your
debts will be absolved
before deciding to file an
Ontario bankruptcy.
4
What Bankruptcy Does
5. Seizure of Assets
Once you are legally bankrupt
you will be required to
surrender your assets to a
trustee. These assets will then
be sold and the money earned
will be distributed amongst
your creditors.
However, you will never be
left with nothing!
5
6. Seizure of Assets
Under Bankruptcy and Ontario law there is a list of items
which are exempt from seizure, when claiming an Ontario
bankruptcy.
Some bankruptcy exemptions include:
• Maximum of $5,650 in personal possessions (clothing, jewelry etc.)
• One motor vehicle worth up to $5,650 (cars, trucks, etc.)
• Maximum of $11,300 for furnishings
• Maximum of $11,300 for any tools of trade (equipment that is used to earn
a living)
• Certain types of life insurance and investments.
• All RRSP, RRIF and DPSP (Deferred Profit Sharing Plan) except for
contributions made in the last 12 months
6
7. Seizure of Assets
Your Home
If you don't have significant
equity in your home, then
claiming bankruptcy should
not affect your house.
7
However, to get the most accurate answer for your personal
situation, be sure to fully discuss the disposition of your home with a
licensed insolvency trustee.
8. Once a person files bankruptcy in Ontario, the Office
of the Superintendent of Bankruptcy will notify the
credit bureaus and the bankruptcy will be noted on
your credit report.
8
Your Credit Rating
For a first time bankrupt, this mark will remain
on your credit for 6 years after your discharge.
For a second-time bankrupt, it will remain for a
period of 14 years.
9. This high risk status will make
your ability to obtain future
credit more difficult and
increase the interest rates
that you will be charged, for
any credit that you are able
to obtain.
9
Your Credit Rating
Having a bankruptcy noted on your credit report flags
you to lenders as being high risk.
10. However eliminating your debts gives you a fresh start.
There are ways to successfully rebuild your credit after
being discharged from your bankruptcy.
10
Your Credit Rating
• Pay your bills on time
• Monitor your credit report for errors
• Build your savings
• Obtain a secured credit card
• Apply for credit sparingly
• Use credit wisely
11. This is our number one recommendation. Missed
payments, habitually late payments or stopped
payments will likely be reported to the credit
reporting agencies. This will continue to ruin your
credit and prevent you from qualifying for new
borrowing.
11
Your Credit Rating
Pay your bills on time
12. 12
Your Credit Rating
Monitor your credit report
You should get a copy of your credit
report four to six months after your
discharge to ensure that all information
reported there is accurate and up to
date. If there are errors, contact the
reporting agency and ask them to fix
them. You can get a free copy of your
credit report by mail by contacting one
of the two Canadian credit reporting
agencies: Equifax or Trans Union.
13. Having savings itself does not affect
your credit score, however having
an adequate emergency fund can
prevent you from missing payments
if an unexpected event happens.
You should also save an adequate
down payment if you are looking for
a new car loan or mortgage.
13
Your Credit Rating
Build your savings
14. To start, you may need to consider a
secured visa card to begin to show
lenders that you can establish a good
repayment history. It is not the card
that gives you good credit, it is the
process of using the credit on the
card and paying off your balance
each month. One such card includes
the Home Trust Visa secured credit
card. More information can be found
on this Home Trust Visa page.
14
Your Credit Rating
Consider a secured credit card
15. It is best to only apply for one secured credit card initially.
Multiple loan applications can show up on your credit report and
hurt your credit score. Apply for your card only after you have
saved for the required deposit. Don’t spend more on the card
than the initial deposit limit. Bumping up, or passing your limit
can hurt your credit too. In addition, beware of offers to increase
your limit. You do not want to get in trouble with debt again.
15
Your Credit Rating
Limit your credit applications
16. No matter what type of credit
you use after your bankruptcy,
use it sparingly. Be sure you can
pay your balance in full as soon
as soon as your statement
arrives. This will help you avoid
both missed payments and the
high interest debt trap again.
16
Your Credit Rating
Use credit wisely
For example, obtain a small line
of credit and use it to pay bills
only. Then, be sure to
immediately pay off the line as
you use it. Continue to repeat
this process, and over time, it
will have a marked improvement
in your credit score.
17. 17
Required Duties of a Bankrupt
Once your papers have been filed with the Official Receiver,
you are legally bankrupt and this declaration cannot be
reversed without an official court order.
During this bankruptcy period, generally nine months for a
first time bankrupt, you will be obligated to perform certain
duties; outside of surrendering your assets.
18. 18
Required Duties of a Bankrupt
•Attending two mandatory financial
counselling sessions
•Monthly Reporting of all income and
expenses to your Trustee
•Monthly surplus income payments,
depending upon your earning, size of
family and individual circumstances.
Some duties of a bankrupt will include:
*This is a very general overview of what some of these duties are.
19. As long as all of your debts are
solely yours, then claiming
bankruptcy should have no affect on
your spouse or their credit rating.
However, there are some unique
circumstances. You need to ensure
you are fully aware of all of the
details on how claiming bankruptcy
affects your spouse, prior to
deciding if an Ontario bankruptcy is
the correct choice for you.
19
Will Bankruptcy Effect My Spouse?
20. There is hope.
You can be debt free.
Download our Fresh Start eBook
Or give us a call at
310-PLAN