Your Credit History
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There is an article over 969m.com which is talking about The relationship between your loan and your credit history. If you plan to get some loans to invest or start your own business, then you may need to read the article.
According to the article, your credit history is very important especially when you plan to get some kind of loans such as mortgage and personal loans.
How much you can get for your loan and how high your interest will be determined by lenders based on your credit history. Of course, you will always can a better deal if your credit history is good.
In order to build up your good credit history, first, you must get a credit card and use it properly. Your credit history will directly related on how you going to use your credit card. Generally, if you use your credit card and pay the bill on time, your credit will be good, at least for those lenders.
For more information please visit here and read the full articles.
PS: This is a sponsored post
5 Ways to Grow Your Income by 20 Percent
Way 1 : Change your thinking by asking positive questions
David says that people always ask negative questions, such as why I’m broke, why I have so many debts. Those questions won’t bring you anyway but bring down you confidence and action power. However, if you change your questions to positive question like “What I can do to make more money?â€, then your action will totally different.
Way 2 : Start a side business
Starting a side business always is a good way to bring extra income for you. You can start a business based on your abilities, knowledge or even you hobby. You also can start an online business and start making money over the internet. But of course, you must a plan and take action.
Way 3 : Raise your rates
Raise your rates for your business or service. This is the fastest way to make extra income for yourself. However, you must survey your customer carefully and raise your rate between their preferences. If you raise more than that, you business might be affected.
Way 4 : Get extra work
You can always sign up for more works to make more income. Maybe you get more works in your current job or looking for a part-time job to make extra income.
Way 5 : Get a raise
Are you a hard-working and dedicated employee? If yes, then you can ask for a raise from your boss. Your request must be reasonable.
It is good to make extra money. However, if you don’t use it to pay down your debt, make more saving and investment, you are going no way. So please remember: Grow your income, not your lifestyle.
Source : David Bach over Yahoo! Finance
Top 10 Strategies that Retails use to steal your money
- The “Bait and Switch†Fraud – Advertise a very low price products to attract customers but sell other products eventually.
- The “Keep you waiting/ wear you down†Ploy – Sales person will hold you and waste your time by letting you waiting. Psychologically the longer you wait, the greater sense of “investment†you will have and make a deal with them
- Extended Warranty Scare Tactics – Extended warranty may be a good deal for certain products. However, some stores will not let you know any facts but keep pushing the extended warranty plan to you and make more money.
- The “I made a mistake adding this up†– Sales person will purposely make a mistake in their quotation and quote you a high figure. Then they will reduce the price to a level and make you feel that you already saved a few hundred dollars.
- The “Get Them saying Yes†Routine – Sales person will ask you a series of question that will make you definitely says YES until you agree with them unconsciously.
- The “This is the last one†Ruse – sales persona will play our fear of “missing out†on something by telling that a product is the last one and someone else are looking for it too.
- The “Low-Ball†Lie – You will be pre-sold by phone and get attracted to the store or dealership. However, when you are there, the product either sold off or not available. However you will be introduced another new modem is there and the price just slighter higher.
- The “Today only†tactics – almost same with “This is the last one†method, the retailers run sales promotion for today only and make you difficult to shop and compare around with other shop.
- The “Paperwork†Euphemism – the sales person will try to lock you by asking you sign a contract or sales order.
- The “Turn Over†Maneuver – if a sales person fails to close sales with all the technique they knew, they will ask you to hold on and introduce a so called “Sales manager†and claim that you can get a special deal.
What I can say, just be careful with everything a sales persona say. 
Source : Trampolinesales.com
