insurance

How Your Credit Scored Is Calculated

Getting approval for any loan depends on your credit rating. If you have an average credit rating, you will find it almost impossible to get approved. It’s possible to obtain an excellent score or even improve your credit rating. Most companies almost use the same rating system, and if you can know more about it, you should be able to have a better credit score.

Your age is the first factor which it’s almost impossible to do anything. Yes, it’s possible to lie, but don’t because it will make things more difficult for you in the future if the creditor gets to know. If you are between 24 to 64 years of age, you will get one point. Any age below or above that will score you zero points.

If you are married, you have a chance of adding an extra point to your score. If not, you still score zero as most creditors see you as a higher risk. Also, if you have no dependents, you will score zero. But if you have between one to three, you will add to your points. Here is how it works – if you have no dependent creditors believe you can skip town and not pay off your credit.

Creditors will also want to know more about your roots. They will want to know where you live. Owning a home with a big fat mortgage or even without a mortgage will give you more points. How long you stay in your present, or the previous residence also adds more points to your score. If you’ve moved so often, you will score zero points. However, if you’ve stayed up to 5 years before moving, you will surely get more points. It shows you are an excellent risk to them.

Other factors that will add to your points are your years on the job (the longer, the better), kind of situation, your monthly income, present debt status, previous credit history, and your saving or checking account(s).

Your credit score is usually rate between 350 and 850. The lower your score, the more difficult it will be to get a loan. Scoring 800 or above should be the goal of every consumer. Below is a list of short tips on how to achieve 800 credit score or above.

Limit the number of credit cards you sign up for at a time. The more cards you carry, the more debt, the credit issuers will have to consider. If one card is not enough for you to make sure you don’t sign up for more than three cards. Also, make sure that you don’t go out with more than one card in your pocket. That way you will limit your purchases when you are outside.

Make sure that you make your payment on time, if possible before the end of the grace period if it’s part of the service. Late fees will affect your credit score adversely.

Whenever you want to apply for credit make sure that you don’t ask for too much credit often. Credit reporting agencies may score you low as it means that you can’t live without credit.

Another thing that reporting agencies consider in scoring you is outstanding balances on your credit account. If you are the type of consumer that often exceeds their limit you are risking your credit score. So, make sure you don’t exceed 30-35% of your available credit. It doesn’t make sense financially always to spend all your credit at a time.

We hope this information was beneficial. You can have anything you want if you are enthusiastic about putting in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips!

In closing, we invite you to share your comments on this and our other posts. If you find the information useful, please Like & Share us and subscribe to this channel for an update as we reveal new strategies. Remember to keep an open mind and Shift 4 Freedom.

Earn Money at Home with Unique Home Employment Opportunities

Now you can earn money at home with unique home employment opportunities such as offering credit solutions to others, money brokering, free affiliates, etc. Here are some great tips to get started.

For stay at home moms, retirees and anyone that wants a new job, home employment may be the ideal solution. There are many ways to earn money at home within reach of anyone who wants to find them. Join the more than three million people estimated to be working at home now.

Many Advantages when You Earn Money At Home

Anyone willing to work will be able to have a successful home-based business. Whether it is full or part-time is up to you. It doesn’t matter if you have children at home, or have other obligations, you can work at your own pace, and on any schedule you choose. You will be able to earn money at home without having to leave the comfort of your own surroundings.

Think of the advantages of working for yourself at home. You won’t have rigid hours and bosses to answer to. You can have your own business with the computer or other equipment you already have, without costly offices and overhead. You will have the freedom to make your own decisions and will eliminate the stress and costs of commuting.

Working For Others At Home

There are numerous possibilities for home employment. Depending on your interests, you can work for yourself or other companies and earn money at home. There is a unique need for assembling products at home for all manner of companies. There are directories offered on the Internet that will give you a comprehensive listing of companies needing workers.

By purchasing a directory like this, you will be able to study the entries and pick out one or several that appeal to your interests or skills. There are also companies that will pay you to do clerical and computer work, telephone polls, background checks, and process insurance claims.

Be Your Own Boss

If you would like to work as your own boss and earn money at home, there are services that people need and will pay for. Helping people find credit solutions and money brokering is an opportunity that’s in demand today, and you’ll need no prior experience. Some companies will train you in these services. You will collect the fees yourself without going through a middleman.

Start Your Own Business

If you have a unique product or service to offer, you may want to open your own Web business. There are sites on the Internet that will help you get started, and many are free. Another way to earn money at home is to join a free affiliate program online and sell the products of others through your own website. You can earn extra cash by advertising for other companies and receive commissions from the sales it generates.

For anyone with ambition who wants to earn money at home, the sky is the limit. Start looking now for the kind of job that you would enjoy doing at home. Make your life more fulfilling and profitable by taking control of your destiny.

Why a University Education?

The world in which we live is constantly evolving. We are demanding more and more from our citizens than ever before and in order to live up to the demands of the world, we need a solid education upon which to base our skills and knowledge. There are many alternatives available for receiving an education these days, which is good news for those who have not yet managed to obtain a four-year college degree. Truthfully, that degree is the difference in literally hundreds of thousands of dollars over the course of a lifetime than not having a degree.

Four Reasons for a Four-Year Education

Money. The first reason that you should consider a university degree is a fact that it will substantially increase your earning potential. If nothing else appeals to you, this is typically the one reason that most people return to school after years in the workplace. If you are in high school and haven’t really had to deal with the bills and burdens that many adults face it’s difficult to explain how important any edge when it comes to earning ability truly is. However, you should be aware that you need to choose your major wisely if money is your sole motivation. Not all careers pay equally when compared to the education required to enter them.

Insurance. This may seem like a strange term to use when discussing why you should get a university education, but this is perhaps the best insurance you can find as far as employability goes. Having a university degree gives you a competitive edge over those who do not. In many cases, you will find that education is beginning to trump experience as employers are seeking workers with more rounded skills rather than those with very specific skills. The modern university typically requires a brief exposure to all kinds of information and coursework that isn’t necessarily related to your major. This provides graduates with a broader understanding of the world (at least that is the assumption).

Employability. Believe it or not, those with degrees are much more employable than those that do not have them. There was a time when the trend was to employ those who had experience over those who had an education. That trend is rapidly evaporating as companies want employees that can fill multiple roles more and more often. The limited exposure to certain ideas or ideals and principles that most people receive as part of their university education makes you a more employable candidate because you should be able to adapt and adjust, as this was required during your educational process.

Confidence. There is nothing quite like believing in yourself. Getting a four-year education is one way to build confidence not only on a personal level but also on a professional level. Whether or not you realize it, this is often the best reason for pursuing a university degree. This reason, as a matter of fact, will affect all the other things I mentioned above. If you have more confidence in your ability you will be more willing to go out there and get the job done. As a result, you will earn more money and you will ensure that you are an asset to your company by proving yourself to be just that.

Regardless of your personal reason for pursuing a university degree, there are very few wrong reasons to get your degree. Good luck in your educational pursuits. I know they will serve you well.

In closing, we invite you to share your comments on this and or other posts. If you find the information useful, please Like & Share us and subscribe to this site for an update as we reveal new strategies. Remember to keep an open mind and Shift 4 Freedom.

Do you need Insurance in Retirement?

Not all the things you need in retirement are financial, but something to consider is all types of insurance to protect your financial future. When planning your financial retirement there are many things you should consider before taking the plunge and not all of them are overtly financial, though in some large way they are all very financial considerations, particularly if you don’t take the time now to consider their importance later. Insurance is an important consideration when it comes to retirement. Depending on your age at retirement you may or may not qualify for Medicaid, which could leave you in a bit of a pickle when it comes to covering the excessive cost of insuring your health.

If you have a spouse that will continue working for a year or two you may want to consider the cost of being added to his or her insurance coverage. Chances are it will be less expensive than striking out on your own for health insurance coverage, which tends to increase in cost with age and according to health.

Dental insurance is another huge consideration among those approaching retirement age. The cost of actual dental insurance can be quite cost prohibitive but there are other options in the form of discount programs. There are quite a few programs that exist and all you really need to do is a quick Internet search to find more than a few good prospects. You will want to make sure that the plan you are considering has providers in your area before signing up. Some of these plans offer discounts on other services such as vision, prescription drugs, and even medical care. The costs typically vary according to the offerings of the plans in question.

Medications are another important consideration when retiring, particularly if you are planning to retire early or prior to the traditional retirement age of 65 when Medicaid kicks in. Some of the plans mentioned above offer discounts on prescription drugs and there are other things you can do such as asking your doctor about generic options or less expensive methods for medication that might exist. Some drug companies are offering free medications to people who meet their qualifications.

Long-term care insurance is a relatively new concept and something that many of us do not wish to consider but is something that really should be considered when you are young enough to get reasonable rates. If you are in your 50’s and early 60’s you should be able to get this insurance for around $100 a month. Whether you want to acknowledge that this could be a need for you or not, the odds are that it will be a very real need in time. Unless you plan to leave a significant amount of debt in your wake it is an innovative idea to make sure you invest in long-term care insurance.

Home and auto insurance typically go through a reduction in cost as you age. This is good news on many levels as it leaves you the option of picking up additional insurance coverage or at the very least fill in the gaps that some of your other insurance costs are leaving in your carefully planned budget. You should keep in mind however that once you reach a certain age they will begin to rise again. Save the pennies you save on the premiums during the good years to cover the costs during the lean years. Insurance is one of those costs that simply must be covered. Make sure insurance is included in your retirement plans.

You can have anything you want if you are willing to put in the time, effort and plans to get to your goals. Discover the secrets why the rich stay rich and the poor stay poor. Click Here to view a video with more life tips! In closing, I invite you to share your commits on this and all the posts. Like us on Facebook and Google Plus. Remember to keep an open mind and Shift 4 Freedom.

Healthcare Impact

How Will The Affordable Healthcare Impact You?

Knowing How to Protect Yourself from Out-Of-Pocket Expenses.

How would you like a way to cut your health care cost without sacrificing the quality of your care? Saving a substantial percentage of your out-of-pocket medical expenses can be a matter of life and death!

Americans today spend approximately seven thousand to eight – thousand dollars on out-of-pocket health care expenses each year.

Affordable healthcare will have a great impact on your prescriptions, doctor visits and out-of-pocket expenses. Whether you are insured, uninsured or under-insured you will need to protect yourself from the cost of co-pays and doctor/ER visits.

The affordable healthcare plan was created to cover any person who cannot afford or is not offered health coverage as part of their job’s healthcare plans. It will enable some people (that qualify) to even reduce their out-of- pocket expenses, regardless of income.

Most of the general public have varying views of the new healthcare laws. Regardless of how you may feel about it, the affordable healthcare plan it is here, so we must examine ways to reduce any negative impact on

Families
Women
Men
Children
The elderly

Knowing how to protect yourself is key. You should also be aware of programs available online help you with discounts on wellness and healthcare services. Some program will afford you a comprehensive supplemental wellness and healthcare plan that provides members with 24/7 direct accesses to registered nurses and doctors for quality health care without ever leaving your home.

Enjoy The Benefits:

Unlimited Access 24/7/365 to a trusted RN health coach in an average of 30 seconds
Access to an “audio library” of over 1,100 risks and conditions to promote your understanding of any disease or condition
Unlimited access 24/7/365 to Licensed and Board Certified Physicians in all 50 states
Call anytime and from anywhere! From your home or office or while traveling
An exclusive Prescription Drug Savings Plan with Large Retail Chains
Health and wellness portal

Having fast and inexpensive access to quality, certified Registered Nurses and Physicians who can diagnose illnesses, recommend treatments, and prescribe medications over the phone could save you both time and money. This is not Health Insurance. It is a Health Care Plan that saves you time and money whether you are insured, uninsured or underinsured by reducing unnecessary co-pays and doctor/ER visits… Learn more!