By keeping all of your financial records and files together in one place, you are on your way to getting organized. If you can’t find your bills, you can’t pay them on time!
You know all of those thick booklets you receive in the mail from brokerage houses? Those Company Annual Report, etc. for stocks, bonds, investment accounts. Unless you love reading them (Is there anyone who loves reading through or deciphering these reports aside from my dad?), toss them. You don’t need them. It just becomes clutter!
One heroic organization attempting to measure what my peace officer friend claimed to know is Transparency International and for the past ten years these folks have published an company annnual report which provides an international corruption index perspective for most countries around the globe.
A quick and efficient way to boost your credit is to obtain what is called a secure credit card. This will work the same as a debit card. In order to purchase something with the card you will first have to have deposited enough funds in the account the card is linked to. So a $500 purchase would require you to have the same amount in your bank account for to pay for the item. If you choose to get a secure credit card that is going to be used to build credit be sure to ask if the company reports to the credit bureau. Since it is voluntary companies don’t have to. Choose one that does. You will know that they are reporting on the account when you start to receive mailing offers for similar cards. Junk mail doesn’t have to be bad.
Industry conditions have deteriorated and thus they missed their forecasts. This problem will most likely not correct itself in the near term leading to further disappointment.
Once you’re satisfied with your choice of car and the selling price, it’s time to shop for car loans. There’s no law that says you have to finance through the dealership, so don’t be tempted to sign on with them without first checking independent car financing companies. These companies will have better deals on bad credit car loans and you’ll have the benefit of knowing that you’ll be getting the best price for the car without the need for paying extra fees at the dealership.