“Leave Unused Credit Card Open,” Says Un-common Sense

Posted by morecollegeoptions | Posted in Education | Posted on 15-07-2016

Tagged Under : , , , , , , , , , ,

It’s common knowledge to open a card, get the perks, use it, pay it off and close that account ASAP or it’ll hurt your credit. That’s intuitive. That makes sense.

WRONG-GO, This Time It’s UN-Common Sense For Your Win

It’s counter-intuitive how the credit system actually works. DO NOT CLOSE UNUSED CARDS! Why??

#1 – The length of credit history matters. As an 18 year-old you’ll get lots of credit card offers in the mail. In their self-interest, hoping you will spend the maximum and spend years paying down the accruing interest and balance. Maybe you’ll miss a payment and the interest rate can go from reasonable to astronomical, which means so high you are trapped. The credit card companies is like the band Trapt in their hit Headstrong” saying this to you:credit cards

“Back off I’ll take you on
Headstrong to take on anyone
I know that you are wrong
Headstrong we’re Headstrong
Back off I’ll take you on
Headstrong to take on anyone
I know that you are wrong
This is not where you belong
I can’t give everything away
I won’t give everything away”
Love, Credit Card Companies

We At Higher Education Assistance Can Give Everything Away. It’s For The Sake Of Your Education On Credit Cards, After All!

DO NOT CLOSE OLD CREDIT CARDS. Leave them open with a $0.00 balance. Why else?!
#2 – This will lengthen your OPEN line of credit. If you have 10,000 credit line with 3,000 balance total on the cards then you have the IDEAL ratio of closed to open lines of credit, which is 30%. Anywhere from 0-30% spent (closed) credit is considered good and gets you those points on the score. When you close a card you shorten your line, you increase your percentage.
We’ve even known people to OPEN new cards after figuring out their ration of open to closed lines of credit. If you know your credit card LIMIT just take a second for some basic math. Add up the amount you COULD spend on each card…now that’s the bottom of the fraction (denominator). Now add up how much you OWE on each card. That’s the top number in the fraction (numerator). Now divide your faction and you have the decimal for a fraction. If it’s .4, you have used 40% of your credit line. Aim for 30%.
If you have higher than .3 then do this math! It’s easy, hang in there. DIVIDE your credit card debt by .3. You will get your magic number. That’s the amount of credit you still need.
Apply for a new card with a line of credit with that amount. Sometimes you cannot request the exact amount but sometimes you can. Try this credit card.

The post “Leave Unused Credit Card Open,” Says Un-common Sense appeared first on Higher Education Assistance.

Hop To Your Own ‘Better’ – In Business

Posted by morecollegeoptions | Posted in Education | Posted on 05-07-2016

Tagged Under : , , , , , , , , ,

business

Fish in the bowl. Swimming, swimming automatically around… competing for food, hanging out in the places they like and just keep work, work, work, working. Right, right?

Hey, actually we are humans with a lot of tools at our disposal and we get the privilege of setting up our environment, and the responsibility of effecting it.

When you are tired of circling the bowl, start here. Start a business, using your talents WITH a great ‘why’. Listen to This ted talk by Simon Sinek about successful businesses, click here. 

“Know Thyself” – Socrates

Knowing Your Strengths and Communicate Them Clearly – Market That – Keep Track of Your Network – Keep Your Eye On The Ball – It’s A Slow Burn – Cover Your Bases

  1. List Capabilities

    1. Resume Style
      1. How To Structure A Resume? Don’t. Let a website do it for you. There are easy options. Like Google doc templates, or this thing:  Click here for an easy option. These days a social media presense is just as important as the hardcopy resume. 
      2. Journal Style
        1. Daydream about how your skills relate and imagine need ways to put them together.

 

  • Create A Visual Identity – Online presence 

  1. Images
    1. Canva.com
      1. Create better images than Clip art with lots of high quality free images (or upload your own) and a Paint Program like editing techniques. Grab the image and share it on your website, social media.
    2. Smugmug.com
      1. This is a photography portfolio, or perhaps a good place to store photos in the cloud, that you could url to potential clients or…”new friends”.
  2. Website Builder
    1. Wix.com
      1. best all around flexible site
      2. cannot change templates – choose wisely
    2. Squarespace.com
      1. best for design
      2. If you want a creative looking website, use this
      3. A little more expensive to pay for the extras
    3. Weebly.com
      1. Drag and drop
      2. Very basic desgin
      3. no time bomb on sites
      4. compatible with google analytics
      5. not for ecommerce needs
    4. Jimdo.com
      1. Update for $ to have a personal domain name
      2. Hundreds of templates AND customization options (especially if you know code)
      3. With SEO
      4. Very non-English friendly
      5. No drag and drop
    5. WordPress.com
      1. This site is a wordpress
      2. it’s the most popular
      3. tech support is easy to get
      4. SEO
    6. Shopify
      1. If you want to focus on eCommerce
      2. low credit card processing fee
  • Marketing – Tell People About It

    1. Keep “Networking Notes”, A “Leads” Chart, A Diary, A Spreadsheet, A google doc, an excel sheet
      1. Why? Knowing Who To Thank
        1. Remembering names
          1. How to win friends and influence people
        2. Remembering the substance
          1. What did you talk about?
      2. Why? Knowing Where To Head Next To Keep Your Business Steady.
  • Have Your Money Game On Pointbusiness

    1. How will you meet your budget?
      1. High Retainer, Less Clients?
      2. Lower Retainer, More Clients?
    2. What is your ideal budget?
      1. Read this article about the keys to Principle Approach to Budgeting. 
    3. Have a well-thought out pricing strategy for your good or service
  • Keep Your Eye On The Ball – Do Not Expect Quick Success When Starting Your Own Business

    1. Keep your day job, if needed for your bills. Do not count on income you have not earned yet!
    2. Put the habits in place and keep going
    3. Patience in networking is important, too. This article from Forbes had some good rules of thumb for us all, as humans not just networking.
      1. Don’t complain
      2. Don’t Interrupt
      3. Don’t Drink too much
      4. Don’t hard sell yourself
      5. Don’t talk about me-me-me.
    4. Process this well: You will do work you aren’t paid for
    5. Be patient
      1. Think long and hard about how you can rely on savings
      2. Budget and relax
      3. Hurry and busy are
  • Cover Your Bases

    1. Paperwork
      1. File for an LLC
        1. Read this great article for step by step instructions brought to you by Income Tax Planning 
      2. Use Contracts
        1. Insurance Thinking
        2. Prevent Legal Problems
  • If you don’t have your ‘why’ in order maybe you need some higher education to learn about a world in business you otherwise wouldn’t. Click here to pursue higher education WITH financial help. 

The post Hop To Your Own ‘Better’ – In Business appeared first on Higher Education Assistance.

How Many States Have Actually “Legalized” Slavery For Real Slavery is famously known to be down i…

Posted by morecollegeoptions | Posted in Education | Posted on 01-05-2016

Tagged Under : , ,

How Many States Have Actually "Legalized" Slavery For Real

Slavery is famously known to be down in the Southern part of the United States, but it seems as though it is rapidly spreading to the rest of the country. States facing growing budget deficits are quickly turning to prisoner/inmate labor to either break even or produce some sort of profit from the lack of pay, but increase in work being done. At least 37 of the 50 states have technically "legalized" labor slavery of prisoners with different companies.

3 Sad Reasons Why Slavery Is Still Legal in the U.S. Job Market

Thought slavery was abolished in the 1800’s? Think again. Slavery is still among us today, and affecting the U.S. job market. Click here to learn more.

The post How Many States Have Actually “Legalized” Slavery For Real Slavery is famously known to be down i… appeared first on Higher Education Assistance.

4 Surprising Secrets to Financing Your College Education for Free

Posted by morecollegeoptions | Posted in Education | Posted on 15-02-2016

Tagged Under : , , , , , , , ,

We’re not talking about loans here. We’re also not talking about your first year of college, fresh out of high school, when you could easily qualify for specific grants and scholarships. What happens when you’re well over the standard age many think of when going to school, or if you even have kids? Most people don’t think about whether or not it’s possible to get $5,775 in grant money, one portion of that being the Pell Grant, toward going back to college and furthering your education. Once you’re over the “hill,” that’s it.

The Truth Is You Still Have a Chance in Financing Your College Education. And, Yes, for Freefinancing your college education-1

The great thing about grants is that they don’t have to be paid back like student loans. And surprisingly, there’s plenty you don’t even realize about education and grants that would make it simple and easy on your wallet to go back to school. How so? Here are these four secrets to financing your college education without spending a dime:

Who Knew, Right? The Fact Is This:

Just one of these secrets might reveal to you the very real possibility that you can, in fact, qualify for a Pell Grant solely based on your own income merits. At any time in your life. All it takes is finding the school and your major you want to pursue, plus discussing your option with the financial aid department of the school of your choice.

Simply fill out your name and phone number here to get matched immediately. You might be well into your life, not even thinking about ever going back to school, but here’s the good news for you: now you can. And you will. Sign up today and start financing your college education immediately.

Financial aid. 4 ways to get $5,775 and grants to go back to school. over the age of 24, or you have to be married, or you have to have kids, or you have to be active in the military. If you answer yes to any of these, you qualify on your own income merits. Based on income. If you make less than $60K a year and you’re married, then you qualify for education grants.

Hey, if you’re any of these, you qualify for the Pell Grant. Now it’s up to you to determine your income requirements. Find the school and major first and talk to their financial aid department. Fill out your name and phone number. Match you with the schools that accept the Pell Grant. offer 2180

The post 4 Surprising Secrets to Financing Your College Education for Free appeared first on Higher Education Assistance.

So Are Merchants and Retailers on the Ball About the New Credit Card Chip Technology? The short a…

Posted by morecollegeoptions | Posted in Education | Posted on 08-02-2016

Tagged Under : ,

So Are Merchants and Retailers on the Ball About the New Credit Card Chip Technology?

The short answer is NO. But #ITPN  isn't sweating, and neither should you. After all, this transition from magnetic strip to computer chip will be relatively seamless except for the headaches many businesses will have to face as they struggle with the question: invest in the new technology, or face the prospect of dealing with credit card fraud? Tough question….

As it stands, only about a quarter of all merchants in the U.S. utilize those new chip-card readers. That data comes from MasterCard, of course. But it's been mentioned that it could take as late as the end of 2017 before we start seeing all stores, businesses, gas stations and maybe even ATMs utilizing the new technology successfully.

Long time to wait…. But at least you have nothing to worry about until then!

Credit Card Chip Technology: It’s Going to Take Awhile

Keep in mind that this is going to be a DRASTIC change as you find your plastic incorporating credit card chip technology. But that’s a good thing!

The post So Are Merchants and Retailers on the Ball About the New Credit Card Chip Technology? The short a… appeared first on Higher Education Assistance.

How the New Credit Card Chip Technology Will Support ID Theft

Posted by morecollegeoptions | Posted in Education | Posted on 08-02-2016

Tagged Under : , , , , , , , , , , , , , , , , , , , , ,

ShareFollow UsBusinesses have to be keen on this new development in the financial stratosphere when you’re thinking about it, for plenty of reasons. Aside from the fact that the transition to credit card chip technology will incorporate a nationwide spread of new card-reading machines (more investment for businesses, unfortunately), there’s one other subject companies everywhere would […]

The post How the New Credit Card Chip Technology Will Support ID Theft appeared first on Ultimate Identity Protection Services.

The post How the New Credit Card Chip Technology Will Support ID Theft appeared first on Independent Credit Solutions.

The post How the New Credit Card Chip Technology Will Support ID Theft appeared first on THE INCOME TAX PLANNING NETWORK.

The post How the New Credit Card Chip Technology Will Support ID Theft appeared first on Higher Education Assistance.

#PopeFrancis: a Message of Love and…. INTOLERANCE? Specifically, the issue of same-sex marriage…

Posted by morecollegeoptions | Posted in Education | Posted on 22-01-2016

Tagged Under : , , , ,

#PopeFrancis: a Message of Love and…. INTOLERANCE?

Specifically, the issue of same-sex marriages — something that currently stirs plenty of emotions in the United States — is a bit of a massive roller coaster ride for one Pope Francis, not that many popes of the past would disagree with his stance as well.

Obviously, according to the Christian religion, homosexuality is a sin. However, acceptance and love of those who are homosexual are NOT. You begin to wonder, though, where exactly the line falls for the likes of Pope Francis, having expressed the same love and acceptance for all homosexuals, because here's the thing about him:

He does oppose same-sex marriages. Seriously, in fact. He opposes it so much that he immediately opposed the bill introduced back in 2010 for the country of Argentina. He was actually VERBAL about it.

This could address even more issues here in the U.S. regarding his stance, because as we know: change is apparent here when it involves same-sex marriage. You then start to wonder just what Pope Francis would even think about the United States knowing that so many of our states approve such an institution….

4 Issues Pope Francis May Influence in Today’s Legal Arena

It’s a grand scale of change — for the Vatican and for the world, thanks to Pope Francis’ unique stand on these issues. Radically different? Find out!

The post #PopeFrancis: a Message of Love and…. INTOLERANCE? Specifically, the issue of same-sex marriage… appeared first on Cloud Based Bookkeeping.

The post #PopeFrancis: a Message of Love and…. INTOLERANCE? Specifically, the issue of same-sex marriage… appeared first on Higher Education Assistance.

Will Donald Trump’s New Tax Plan Cost the Government Trillions of Dollars? #DonaldTrump  is anyt…

Posted by morecollegeoptions | Posted in Education | Posted on 22-01-2016

Tagged Under : , ,

Will Donald Trump’s New Tax Plan Cost the Government Trillions of Dollars?

#DonaldTrump  is anything but timid, ladies and gentlemen. He's not afraid to go for the jugular. But at what risk? We're talking about tons and tons of money here. Taxes. It costs a lot to run a government, let alone agencies providing all sorts of services, government funds, municipalities, that sort of thing — and that money comes from US. The taxpayers.

So, yes, when Donald Trump ambitiously proposes these wicked tax cuts, eradicating all sorts of taxes like the estate tax, the death tax, and the astronomical corporate tax that currently sits at a hefty 35%, bringing that down to a nice 15% for not only corporations, but small businesses and sole proprietors, what will that do for the cost of implementing this new tax plan allowing the crazy 0% tax bracket?

You don't want to know…. And limiting those deductions won't help much either.

Donald, you're asking the government to add on more national debt. And we all know that the phrase 'national debt' is, in and of itself, a sort of a RACIAL SLUR!

We love the ambition and aggressiveness. We're just scared of drowning in that national debt of ours. 

3 Reasons Why Donald Trump Could Kill the Economy

Are we talking about that new tax plan proposal of Donald Trump? Yes. Why do we think that it could potentially kill the economy? Read on to find out!

The post Will Donald Trump’s New Tax Plan Cost the Government Trillions of Dollars? #DonaldTrump  is anyt… appeared first on Higher Education Assistance.

Looks like the world’s going to know more and more about our convenient #2hourtaxreturn  service …

Posted by morecollegeoptions | Posted in Education | Posted on 22-01-2016

Tagged Under : , , , , ,

Looks like the world's going to know more and more about our convenient #2hourtaxreturn  service that we at #ITPN offer. No more waiting in lines. No more hefty fees. No more lost deductions.

Just check it out with #DanielStoica  yourself on the Leisure Section below!

Daniel Stoica Tax

Daniel Stoica Tax, by Daniel Stoica: updated automatically with a curated selection of articles, blog posts, videos and photos.

The post Looks like the world’s going to know more and more about our convenient #2hourtaxreturn  service … appeared first on INTERNET LEGAL PLANS.

The post Looks like the world’s going to know more and more about our convenient #2hourtaxreturn  service … appeared first on Higher Education Assistance.

Welcome to the Income Tax Planning Network #ITPN You’re only just beginning to experience the b…

Posted by morecollegeoptions | Posted in Education | Posted on 22-01-2016

Tagged Under : ,

Welcome to the Income Tax Planning Network #ITPN

You're only just beginning to experience the benefits you'll receive from enrolling in our membership — a membership that's ONLY $35 a month for a whole slew of services at your disposal. For FREE.

Taxes. Preparation. Business. Bookkeeping. Credit repair. It's all here.

Simply sign up below to get started. Get to know Karla. Visit our website. See who and what the network's made of. And know that we're in this together for your taxes, giving you freedom for your finances.

2 Hour Tax Return Registration

By submitting this form, I agree that The H.O.P.E. Program, including its affiliates, may contact me regarding its programs and offers via email or telephone using automated technology to any wireless number I provide in order to provide me with important information and exclusive offers.

The post Welcome to the Income Tax Planning Network #ITPN You’re only just beginning to experience the b… appeared first on Higher Education Assistance.

Support our Sponsors

Millennials are a difficult topic to talk about. Baby Boomers seem to hate them, others seem to love them, and the small generation in between just seems to be confused by them. I mean, you can’t please everybody, right? They are seen to be this new generation of kids who are independent, free-spirited, and have passion for everything. But did […]

The post 4 Alarming Statistics About Millennials and Parent Support for Their Finances appeared first on THE INCOME TAX PLANNING NETWORK.

[cardoza_facebook_like_box]