Whether you’re new or seasoned to credit, it’s important to know common terms in the credit world. From APR to credit Read More
It’s important to know common terms in the credit world. From APR to credit utilization, not knowing what these terms mean could cost Read More
Credit card companies flood college students with credit offers. It may not be a great idea to act on them, but if you do you should be equipped with the best information out there so you don’t make the same mistakes others have made.
The biggest mistake people make with credit cards is that they rack up a lot of credit card debt.
Instead of doing that, you should use this is an opportunity to build credit. Take a look at these important credit card terms every student should be aware of below:
Additional cardholder – Credit card companies will allow another user to be on the account. The additional cardholder is not usually liable for making payments on the account, which remains the responsibility of the main cardholder.
Authorized user – Authorized users are people who have permission to use the credit card.
Co-signer – A co-signer is a person who is obligated to pay back the loan from the credit card just as the borrower.
Many real estate agents and investors have college degrees, but they are not specifically real estate-focused. The reason being that a college degree is not necessary for a real estate career.
For investment, the best teacher is real life. You won’t get the same experience learning in a classroom as you would on the job.
College can give students a false sense of confidence. They may believe the classes they are taking are preparing them for the job, but a hiring manager may disagree.
Who knew that getting hired for a new position could all come down to your credit history? It’s true. In several states, it’s perfectly legal for employers to pull your credit history during the hiring process. In their opinion, it determines your level of trustworthiness for the position they’d possibly be hiring you for.
Although legal, this isn’t something the majority of employers actually do. According to a 2012 survey from the Society of Human Resource Management, only 13% of respondents said they check all employee’s credit history while 53% say they don’t do it at all.
It’s still better to be safe than sorry, which is why there are proactive steps you can take just in case a hiring manager does decide to consider your credit history. You can be proactive by:
- Checking your credit history for inaccuracies
- Cleaning up where you can
- Having an explanation ready for derogatory marks
Student loan debt is a tricky beast to reckon with—we want to obviously have the educations of our dreams, but it’s going to be difficult to pay back Read More
For those working in the nonprofit sector, mastering the grant proposal is key to improving your business. If it’s something you haven’t done before or that you struggle with, here are some tips:
- Make your objective clear.
- Stand out from others.
- Use a specific project for your proposal.
- Remove jargon.
- Stay concise.
