digitalwomen Women Building Future Identity on the Web http://tinyurl.com/cz3jzz
6 Sources of Inspiration for Tech Bloggers http://tinyurl.com/bpluyw
Women who have succeeded in technology deserve recognition.. http://tinyurl.com/7a6557
Women-2009 New Voices Due: Feb. 12, 2009 Eight projects will receive up to $25,000 in start-up funding. http://www.j-newvoices.org/
Women! J-Lab will fund three more projects with $10,000 grants in 2009. DUE: March 31, 2009 http://www.newmediawomen.org/
Starting your own small business can be very lucrative and rewarding. Especially if your small business idea is something that you love to do. Below we have listed hundreds of small business ideas for you! Once you select a small business idea, you can get a business plan for that idea for a very reasonable price.
Almost anything can be a business. Love to read? Become a book reviewer. Love to swim? Become a swim instructor. Love to craft? Set up at tradeshows. Love to write? Start creating your own ebooks or even your own novels. It’s very easy to self publish these days. Love to sew. Start a fashion design company. What’s really great is now that the internet makes reaching people very affordable, you can start an online business for…
Finish Reading: Small Business Ideas here
There are many places and lenders that offer no credit check personal loans for women who have less than perfect credit. The reason you get these types of loans without a credit check is that you usually have to have a bank account with either a savings or checking account with a direct deposit of your employment check on payday.
These companies usually have higher interest rates if you go longer than the term of the loan. Most of these loans go from week to week or every two weeks depending on your payday. If you have a need to have no credit check personal loans, you may need to do some credit repair so you can obtain a personal loan with lower interest rates. At Annual Credit Report, you can request a free copy of my credit report and see just what needs to be done in order for you to receive a lower interest rate on a bank personal loan.
Payday loans and cash advance loans require no credit check and you receive the money usually the same day. Because of this service, you may be required to prove you have direct deposit of your income. Due to the popularity of these companies, people fall prey to…
Finish Reading: No Credit Check Personal Loans here
It’s not easy getting a business loan for anyone, but minority business loans may be even more difficult. That’s why the federal government established the Minority Business Development Agency. The Minority Business Development Agency’s mission is to help minority business owners and operators achieve parity with other entrepreneurs in America by focusing on the key elements of success.
First on that list is access to financing and assisting minority entrepreneurs to access minority business loans. The Minority Business Development Agency does this by providing training and information that can better equip minority business owners to prepare quality loan and grant applications that will give them a better chance to securing the much need minority business loans.
Another group that plays a strong role in helping minority businesses compete in the modern marketplace and secure the necessary minority business loans is…
It used to be that “people” made decisions about your credit worthiness. You knew your banker and your handshake was all the collateral you needed. Those days are long gone, and now a single number – your FICO score – determines your credit worthiness.
Although there are several credit models, the most commonly used is FICO, based on a model created by Fair, Isaac Company. Their consumer website is myfico.com, and you can find information about the FICO credit scores there.
Your FICO credit score can be used to determine your interest rate and how much credit a lender will give you. So taking care of your score, and keeping your credit clean will save you money.
Preserving your FICO score, and improving it, is not difficult, but it may take time. Here are some tips to maintain and improve your score, based on three credit situations.
Strategy One: Obtain a Credit History
There are many reasons you may have no credit history. Maybe you’re just starting out, maybe you pay cash for everything and have never needed a loan. In any case, if you have no credit history, your FICO score is likely to be low.
The easiest way to raise your score is acquire a loan, and pay it off on time. In general, installment loans are weighted more heavily than credit cards. In other words, you will improve your credit score faster if you buy goods with an installment loan, rather than acquiring a credit card.
Another way to acquire a better credit history is to take $1000 and open a 6 month CD account at a financial institution. Now, get an installment loan for $1000, using that CD as collateral. Now, here’s the trick. Take the $1000 loan, and open another 6 month CD account at another institution. Take another loan for the $1000 at the second institution. Do this one more time.
Now what you have is 3 loans. Pay the minimum payment for 6 months. In the last month, cash out your CDs and pay the loans off. You now have a credit history, and did not go into long term debt to get it.
Strategy Two: Maintain Your Good Credit History
Good job – you have paid your bills on time, and do not have high credit card debt.
Here’s some ideas to keep your FICO score as high as possible.
First, don’t close your old accounts. One part of your credit score is based on the amount of credit available verses amount of credit used. Closing old accounts can lower this part of your score.
Second, paying off your credit cards every month is good money management, but you may be able to improve in this area. Here’s the scenario: you have a $2000 credit card.
Every month, you charge about $1800 to that card. And, every month you pay it off. But here’s what happens – your credit card company reports your credit information monthly to FICO. If they report it before you pay off your card, it looks like you carry a balance on your credit card every month. You may find your FICO score improves if you pay off your credit card at a different time of the month.
Strategy Three: Repair Your Poor Credit History
For whatever reason, if you have a poor credit history, there are things you can do to improve your score. Some of them take time, and you will probably be best served by
talking to a credit counselor to be sure that you not only repair your credit history, but also eliminate what caused that poor credit history in the first place.
The most heavily weighted part of your score is based on your payment history. The first thing to do to start repairing your credit history is to pay your bills on time. The mortgage is the most important, followed by installment loans, and finally credit cards.
The next largest portion of your FICO score is based on how you use credit. The fastest way to improve this is to pay down your credit cards.
One final thing to look for is errors in your credit report. Get a copy of your credit report from all three primary agencies, and look at all the entries. You can find the agencies here: experian.com, equifax.com, and transunion.com. If there are any errors, start the process to have them removed. Call your creditors – sometimes they will remove negative information.
Your FICO score is an important part of your financial life, and using these strategies may help improve your FICO score. Before making any drastic changes to your finances, consult with a financial advisor.
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