Credit cards For those who don’t have credit Score – How to Get one

Having a credit card helped me establishing my credit when I first landed in US in 2005. I started from no credit to 800+ FICO score in 7 years. Having 4 credit cards (starting with a secured credit card from BofA) and one car loan helped me reach there, along with on-time full balance payment throughout. So, credit cards help in increasing credit score.

How to get a Credit Card

In this article point the how you can secure a credit card to better your score. While reading this, do keep in mind that credit cards are fool’s poison. A wrong use can ruin your life. Especially if you have had problems paying credit card dues, I’d advise you not to use credit cards again. Else, continue with the article and I’d help you securing a credit card even if you now have a bad credit.

11 Quick Fire Financial Advise For Young Ones Starting Their Independent Life

Imagine a 20 something just starting their work life after finishing college education. He/she would have loads of student loan to repay, a successful career to start, tons of financial decisions to make and lots of dreams to live for. Well, everything would become smooth and easy if they follow the below guidelines.

Financial success for young

Remember how you achieved the academic success? I am sure it’ was due to your intellectualism and hard work. Guess what? Financial success can be achieved by exactly those two qualities you possess. Having success is a mind game, a game you play against yourself.

Why New Year’s Financial Resolutions are hard to Keep

How often you find your financial plans difficult to adhere to? Few of us make a resolution when we start the year but very few can keep up to the plans. Same as our budgets, financial plans are also very hard to keep up with. I admit I failed miserably every time I set up a financial plan. The only way that works for me is to have automatic payments routed to retirement and other targeted accounts before money comes to my checking account. Dr. Pete Sulack is an expert in this field, I am glad to present a guest post from him today. Enjoy the post!

Financial Resolution

There is no question that your finances can be a source of stress no matter how much or little of it you have. Each year, you sit down and make your New Year’s resolutions – vows to save more money, give more to charity, or finally start to get serious about planning for retirement. By February, it’s dark and cold outside and they are running commercials for that island vacation or new sports car, and the reality sets in about how hard it might be to keep tabs on your personal finances after all. When we know what needs to be done but don’t have discipline, we often think less of ourselves and find it hard to establish a goal-nurturing environment.

15 Ways to Earn Money Online in 2015

I am very fond of having multiple sources of income. The blog is my second source and dividends are my third source of income. I have friends who have second job and other passive income sources. Here are some ways they earn passive income. But forget looking for a real estate property, applying for loan and then finding a tenant, you can earn some side money from internet based jobs. They range from purely technical ones like, create application, designing web pages to something very trivial like, answering survey, participating in giveaways. Bets part is almost all of these internet ventures require no capital investment. Please enjoy the post from guest writer Huma, who’s an avid reader of OCAAT.

Online Money Making

Considering the importance of legal and legitimate ways while earning money is one of the best practices in any field of life. Illegal ways might be convenient and short, but honest ways to earn money always result in handsome growth of income without any guilt or fear. Usually, people get attracted towards the advertisements on different websites that can make you a millionaire by doing nothing. This totally doesn’t make sense! Let’s come to think of it that when there is a large number of online workers earning through honest and legal ways then why to go for illegal shortcuts?

10 Stock Investing Tips for the New Year

Investing in stocks is as delicate as walking on a tightrope—one small mistake and things could end badly. But what makes this rope walking worth the risk are the attractive, sometimes astounding, rewards you get if done properly. Apart from the obvious monetary gain, you’ll also feel a sense of power and satisfaction by being able to accurately predict stock values and make the most of them.

Trading Stocks

While investing in stocks often involves complex methodology, there are also easy routes – investment hacks, you might say. The 10 tips discussed below can help you kick-start your investment career and turn you into a successful speculator.