To increase your credit score, you want to focus on what you can change the quickest. Credit utilization is the second largest factor in your credit score. And it is the one you have the most control over on a monthly basis. Simply put, the lower your balances versus the amount of credit you have, the better your score will be. We’re going to discuss everything you need to know to increase your credit score by controlling your credit utilization rate.
10 Passive Income Ideas to Rock Your World
The only thing better than making money is making money while you sleep. That’s the whole concept behind passive income. You can spend more time with your family and friends, perfect your golf swing or learn another language. The possibilities are endless because you’ve set up passive income streams that provide you a paycheck without needing to clock in. Here are the 10 best passive income ideas that will rock your world.
Net-Works: Cultivating Biodiversity Through Grand Opportunity
Creating a more sustainable world is quite possibly the most talked about topic as of late. But who’s really doing something about it? When it comes to making changes that will have a positive effect on both the environment and the communities who thrive within it, cooperation is just as vital a part as conservation. Fortunately, there’s a joint international effort happening that is finding such solutions to this very problem.
Asurion: Mobile Phone Insurance for Peace of Mind
Have you ever dropped your mobile phone, shattering the screen or causing other irreparable damage? Or lost it while running errands or traveling? If so, you’re not alone. According to Asurion, a global tech solutions company, one in five people—or 2.2 per second—will have their cell phone lost, stolen or damaged this year. Unless they have mobile phone insurance, they’ll be on the hook for the full retail cost of a replacement as well.
451 Research: IT Industry Analysts That Make More Out of the Digital Economy
In the evolving world of information technology, it’s important to be in the know on new developments and innovations. With new markets and value networks constantly being created, a viable source for industry analysis is central to the success of emerging companies in the IT arena. 451 Research is a research and advisory firm that specializes in data-driven insight for technology and service providers, enterprise IT leaders and financial professionals to help gain a clearer vision into these emerging segments.
Soft Credit Check vs. Hard Inquiry
I don’t know about you, but I’m very protective of my credit. When I learned that allowing credit card issuers and businesses to simply look at my credit could ding my score, I became a lot more protective of who gets access.
This whole idea of a soft credit check vs. a hard inquiry was something that I felt like I needed to know all about. Once I really understood the difference, I was more protective of my score in some ways but not as worried in others.
Mastercard Advisors Partners With Businesses to Help Them Grow
When consumers are looking to access greater purchasing power, they turn to Mastercard. When businesses are looking for ways to get inside the minds of consumers and leverage growth, they turn to Mastercard Advisors for expertise and proven solutions.
Why You Should Think Twice Before Buying Southwest Early Bird Check-In (Updated with New Price Points)
When you fly Southwest Airlines, you know you’re getting an Economy seat at an affordable price. Southwest consistently ranks among the
If you don’t have the new Southwest Rapid Rewards Priority credit card that gives you free boarding upgrades, you can pay an extra $15 to check in earlier than everyone else. But should you buy Southwest Early Bird check-in?
Emburse Wants to Streamline the Way Your Company Manages Expenses
Most CFOs have run into this problem: they wait endlessly for employees to submit expense reports, and then they’re blindsided by charges that go beyond what the company has budgeted for. What’s the solution? Is it better to have employees use their personal credit cards for company expenses—even though management won’t know how much liability is outstanding until expense reports are submitted—or should employees be given corporate cards, providing real-time transparency around exactly how much is being spent, and where?
PaySimple: Cloud-Based Payments System Simplifies the Lives of Business Owners
What is one thing every business has in common regardless of industry? The need to collect payment from its customers. PaySimple, a leading service commerce platform supporting more than 17,000 businesses across the U.S., makes accepting these payments exactly that: simple.
PaperKarma Makes It Easy to Say Goodbye to Junk Mail
The digital revolution has made our lives so much easier in so many ways that it’s impossible to list them all here. Smartphone apps let us order food, hail cabs, meet someone special, search for apartments, apply for jobs and more with a few swipes and a tap of the screen—and that’s just for starters.
HashChing Makes Home Buying Easy With GroupBuy Program
Purchasing a new home in Australia comes with similar challenges you might face in other countries; credit checks, down payment, grueling paperwork, etc. The typical application process might look something like this:
Find More Revenue With Quantifind
Turning data points into revenue is both a challenge and an opportunity for companies. Silicon Valley-based Quantifind is helping companies with that challenge by providing artificial intelligence products that cut through the data noise.
Swappa: Your Go-To Shop for Used Electronics
Buying new items online comes with many challenges. The seller of the product might be a scam artist with nothing to sell at all or the product advertised might be completely different from the product you receive. When buying used items, such as electronics, it can be even more challenging to ensure you’re receiving the device in good condition or as advertised.
Adaptive Insights, a Workday Company: Cloud-Based Business Planning Software for Finance, Sales and Much More
Aside from having a great idea for a business, financial planning runs parallel in importance. In order to get a company off the ground, and see a continued pattern of growth, money truly matters. But, the world of commerce has come a long way since traditional financial planning. Modern budgeting and forecasting the future of a business’s bottom line now has a secured cloud to float on.
That’s where a company like Adaptive Insights and their Business Planning Cloud helps gaining pecuniary acumen and making crucial decisions easier than ever before.
CamCard: An Affordable App for Paperless Exchange and Management of Business Cards
Even though paper and print are rapidly becoming passé, it’s still imperative to have a calling card in business today. Entrepreneurs, developers, as well as sales and marketing reps alike all know the value of exchanging their professional information with potential clients and contacts—but now there is a modern way to keep in touch. CamCard is a groundbreaking business card app that scans, manages, syncs and exchanges your “carte de visite” with ease and quick digital accessibility.
Head Home With Habito
Getting a mortgage can be a confusing and expensive process. But a new online mortgage broker called Habito is promising to help customers get the best mortgage possible, opening up the path to home ownership.
Next Gen Personal Finance: Improving the Financial Lives of America’s Next Generations
Personal finance is an important topic for consumers today, and a recent survey found that the majority of parents—from Millennials (55 percent) to Gen Xers (73 percent) and Boomers (79 percent)—believe that educating children about financial matters should begin at home. Unfortunately, they don’t always have the knowledge or resources to do so effectively. Among the parents who have attempted to teach their children about saving, investing and budgeting, a mere 19 percent feel they’ve been completely successful.
Hubzu Is Revolutionizing Online Real Estate
One of the best things about the Internet is the way it’s made buying and selling things so easy. Whether you want to make some money auctioning off your collection of toy trains or do all your holiday shopping in your pajamas, you can do it with a few clicks of a button.
Timing Is Everything – Replicon’s Time Management Solutions Make the Most of Your Company’s Budget
Time is always of the essence in business, and managing that time is imperative. Replicon’s SaaS format delivers cloud time tracking applications for companies to get the most out of every minute.