Credit history

Banks are an extremely important in today's society, they allow individuals to take out loans to pursue their dreams, safely store their money, and provide financial advisement to their customers. Contrary to the belief that “bigger is better,” community banks are able to provide additional worthwhile aspects that are not possible for larger bank corporations. Small locally owned banks such as Community State Bank know and care about their customers, provide loans that help the community…

Leasing vs. Buying Cars Leasing a car- when you lease a car you are leasing a car, but you are only paying for a portion of the Car’s actual cost. You are actually paying for the portion of the car that you will using over the number of years in your lease agreement*. Buying a car- When you buy a car, you are paying for the car in it’s entirety. You will pay all of the car’s price, rather than just a portion of it. *A lease agreement is a contract from the owner of the car and the…

Let’s Get Started Shopping List: There are a multitude of different ways individuals one can choose to organize their coupons. We are all different and unique; and not everyone thinks the same… consequently not everyone will ‘organize’ their coupon book the same way. Please note the more organize you are when you take a shopping the trip; the easier and more confident you will feel. Furthermore, when you are organized it allows the cashiers to have a smooth transactional experience as well.…

CISP was developed as Visa’s way to fight rampant cybercrime, which left credit card companies responsible for fraudulent purchases. (Search Security Staff, 2013) However, companies accepting credit transactions did not adopt the standards provided by CISP because they were quite different from the standards presented by other card companies like Discover, MasterCard, and American Express. In December 2004, the five major credit card lenders joined together to create a uniform set of standards…

In Suze Orman’s “how to take control of your credit cards” she explains how to reduce credit card debt no matter who you are or the amount of debt you have. Her target audience is any individual who is trying to reduce their debt, but has no idea how to even start. As she states in paragraph two, “If you have the desire to take control of your credit card mess, you can”, anyone can use her book to reduce their debt. Suze’s thesis is best expressed I the following sentence, “I am not saying it…

emissions of greenhouse gasses. Effective in 2005, it provided legally binding targets for countries which varied depending on the level of development of the country as well as contained certain measures for collaboration between countries for trading credits. Evidently, to successfully reduce global greenhouse gas emissions requires complete international cooperation, especially the cooperation of heavy polluting nations. If there is not full cooperation from heavy polluting nations, no matter…

Credit has many ways to be used such as a loan to buy a house, car, or business. Credit can be used for personal purchases. Your credit card score has a major effect on companies’ decisions like insurance, banks, even when applying to new job. I prefer using credit over debit when making purchase because with my credit use I can get cash back, signup bonuses, Frequent-Flyer Miles, points, Universal Acceptance, and building a credit. Credit card use comes with a cost like…

from $10 a month for Basic Checking to $30 for its interest-earning Citigold account. But hey: You can get that $30 waived if you keep a combined balance in all your accounts of $50,000. Woo hoo! Then again, Citigold also comes with a “checking plus” credit line that kicks in whenever…

We all like to spend money and not care about the after effects. Some people over spend, while others under spend their money. It is all about what that money really means to you. Do you care enough to save up for a better future, or do you want temporary happiness now? Can you earn the money you spend very quickly, or does it take time for you to accumulate what you spent in a jiffy? These are all the questions we can ask ourselves when we talk about how our spending is consistent with our…

SERVICE MANAGER Influencing and inspiring individuals to excel in their performance. Well versed manager with over nineteen years of experience in the delivery of exceptional customer service and over eleven years in finance, specializing in the credit card industry. A proven leader with the ability to influence and inspire individuals to exceed in their performance through an authentic leadership approach that focuses on managing, coaching for performance, and mentoring personal and career…