Improving your credit score

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Improving your credit score
Image 11/17/2017 Business Carla Brunner

A loan can be of help in stressful situations. There are moments when you need money to attend to particular needs but finding it may not be that easy. How many times have you tried to borrow your family or friends money but did not succeed? Many, I guess. At times people may lack the funds to offer because they also have their squeezed budget plans. You should not worry because there are institutions whose primary aim is lending. They work under specific terms and guidelines which must be followed. Banks are the most popular lending institutions out there. They will give you loans if you qualify for one which should be paid back in an agreed period with a specific percentage of interest.

Failure to meet this terms may lead to hefty fines or blacklisting for those who persist. Getting blacklisted means, you are no longer able002 to access loans. However, there are bad credit lenders who can give you loans when you are in such a state under certain conditions. The mistrust brought about by your poor credit rating will have them asking you for a guarantor or co-signer. They want someone who can be held responsible if you repeat your past mistake. Save yourself from all this by improving your credit score. Some of the things you can do to improve your credit ratings include.

 

Paying bills on time

Paying your bills on time can help improve your credit score. There are times you may need to buy an item which requires a large sum of money. The self-driven passion for purchasing the specific item cannot be stopped. Bills may come your way, and this may force you to borrow because the only cash you have is meant for one thing. You should pay your bills on time to avoid unnecessary borrowing which may see you have a hard time paying back.

 

Avoid borrowing for risks

The need to do something or implement a specific idea that needs money may see you borrowing out of desperation, do not do something that can sink your credit ratings. Analyze the reason for borrowing and figure out whether the avenue you will use that money can bring you profits or pay you back.

 

Strategic payments

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Lenders have their payment plans like monthly and annual repayments. You can set up your payment plan which will see you pay back loans before the required period; One can invent weekly or daily payment plans and repay everything weeks or months before the required time, You credit score will improve if you observe this method. All you need is to be self-disciplined and monitor your loan status.…

Tips for choosing a good cash card
Image 10/17/2017 Finance Harold Gray

Cash cards have become very commonly used by most people because of the various advantages that they have. The cash cards will enable you to shop anywhere and at any time. Similarly, cash cards can be topped up with cash at any time because you can do it from a PayPoint, from your phone, transfer from your bank or visit a post office. To get more information about cash cards and how you can get one then you can check on umayplus.com/CashCard.However getting a cash card for your errands can be tricky and difficult. But worry less because in this article we give you guidelines to assist you in obtaining the best cash card.

Evaluation of spending habits

Evaluating your spending habits will be very essential when you consider getting a cash card. You should check the amount of gftthjhjumoney you spend on a higher side before setting a limit on your card. On the other hand, you will need to determine the purpose of the card. You can identify where your shopping is usually based. For instance, you decide whether or not you will be shopping for gas, groceries or clothes. With this, you will understand the type of card that will suit you.

Consider online top up

Doing your top up of the card online will be not only convenient but also time-saving. Therefore before you decide to choose a particular cash card, you should determine whether the card can be loaded online. This is crucial because some cash cards are not reloaded online.

Check the rates

bvggfhftrtyThis is also another crucial factor that you should look into when you are looking to choose a cash card. You will be able to get good savings when you choose the best card that has the best rates. This is because different companies offer different rates according to the purchases that you make. Therefore you should always go for cash cards that have higher interest rates.

Determine you spend

Before you decide to select a particular cash card, you should be able to determine the money that you mostly spend on an average basis. This is important because the kind of card you will choose is the one that will determine your purchases. Different cash cards have different offers where you are expected to choose the best offer that will suit your needs. It is therefore crucial that you determine the amount of money you usually use and you will get a card that is in line with your spend.…

Responsibilities of a chief financial officer
Image 09/21/2017 Careers Carla Brunner

If you are assigned the responsibilities of a chief financial officer, it is important to know what you are supposed to do in that office. This is a senior position that determines the success of any organization, and therefore, it requires someone who is knowledgeable, dedicated, and professional. You will be required to liaise with other chief officers to come up with policies and strategies that help the organization to move to another level. Before getting to this position, you must have gone through several years of training and working as a junior officer. Therefore, you already have an idea of what is expected from you. The following are the top responsibilities of a chief financial officer, also known as CFO.

Obligations of a chief financial officer

Keeping financial records

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This is the top responsibility of a financial officer. You have to ensure that all the financial records are well kept. This is because you never know when you will need them. It could be that the auditors have come in unannounced and so, they want to see some records pertaining various transactions. If you cannot produce them, you can be sure that you will be in deep trouble. These could be records regarding taxes, purchases, salaries, and every other thing that involves money. The best officers often come up with both digital and manual systems that help them to preserve all the records relating to transactions that have happened under their watch.

Forecasting financial data

Another one of the top responsibilities of a chief financial officer is to use the financial data to forecast the progress of the company. When in this position, you are the one to advise the organization on the possible happenings. You are the one that can assist in projecting the growth of your company and therefore, you should be in a position to analyze this data. You do not just record financial transactions and keep the records. Instead of that, you should study them so that you can see the trends that are likely to unfold shortly. By doing this, you will help to cushion the organization against losses and other risks.

Compliance with financial regulations

dlksnvlnsladnlknaslkdnvnlksdnvlknsalkdnvlkasdknvlksadnvasdvA financial officer needs to understand the laws that regulate various financial transactions. You should be aware of the deadlines when you are supposed to file your tax returns. This is because failure to do will lead to a lot of penalties that can harm your business. Although the company may have a lawyer, you should work closely with them so that you help them to know what to do. You will notice that some of the big companies regularly take their financial officers through regular seminars and training so that they can update their information regarding the new financial regulations in the country.

There are many other functions that financial officers perform. When talking about the top responsibilities of a financial office, what you should be thinking about is ensuring that the company manages its money better and that it is cushioned against every financial risk that threatens its survival.…

Ways to finance your business ideas
Image 09/20/2017 Business Capital Carla Brunner

Contrary to many people’s comments on the topic of business financing, ideas are money, and your business starts the moment you hatch an idea. Here are several ways to finance your business ideas. Remember, to be careful on how you spend the money you get to finance your ideas. Your first order of business is to find money to fund your idea. Now that the point is clear, kindly proceed with the rest of the article.

Financing your business ideas

Credit cards

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Your number one source of funds is credit card, but it should also be your last choice. Credit cards give you money to spend as you wish. You can tap into some of that credit for financing your idea. You could buy inventory, equipment, or market exposure with the credit card funds. The funds could be the necessary step you need to launch the business.

Bank overdraft

The bank overdraft is similar to a credit card, yet it is only available to people who hold current or business accounts and have a good reputation with their bank. If you are among the lucky people, then feel free to use the bank overdraft to finance your business. This option is good for people who are already working on another job, and they only need a small financial bump that will get their side gig going.

The 401k option

If you are unlucky with an overdraft or a credit card, then you could tap into your 401(k) to keep things afloat. Simply put, you are borrowing from your future. It is not a wise idea from a strict personal finance position. Nevertheless, think about the opportunity to earn money from your ideas, and you will realize that borrowing from your 401(k) could be a cool move from an entrepreneur’s perspective.

Crowdfunding

Are you a good negotiator and a crafty salesperson? Alternatively, can you get access to a good copywriter? If you answer yes to any of the questions, then you are in luck. Go for the crowdfunding option. You will get financing for your ideas after you convince enough people that the idea is viable and worth a try. Crowdfunding is a new concept that is taking root in the business-financing world, and it works. Do not hesitate to try it even when other options are available to you.

Equity

slkvsajdvsadlvnlksadnvlkaslkdnvlkasndvlknsakdnvasdvWhen all else does not work, there is an option of collaborating with other people. When you are alone in a business venture, you own 100% of the business equity. You could sell some of that equity to other people so that they become part of your business. You will need a non-disclosure agreement upfront when you go shopping for equity investors for your idea. You do not want them to elope with the idea and implement it elsewhere. Once you protect yourself, feel free to share with them. Equity investors could be your family and friends, another business, or strangers that you meet at a conference.

Ways of financing business ideas are many. The ones included in this article apply to individuals who need quick money and whose demand is not very high. They might also work for another type of business, but that will only happen when there are modifications to the original idea or the financing options. In most cases, you are free to use more than one method concurrently.…

Erewash Valley CAMRA
01/15/2017 Uncategorized Carla Brunner

Erewash Valley CAMRA

Welcome to the web-site of Erewash Valley CAMRA. Inaugurated in March 2000, having lived in the shadow of Nottingham CAMRA as a sub-branch for many years, we are going from strength to strength. Branch membership is up to 190, our first Beer Festival in November 2000 was a great success and we regularly get 10% of the branch turning up to our monthly meetings – things are going well.

But that doesn’t mean that we should be complacent. Our regional breweries are still under threat of closure – Mansfield has seen better days, and the Lord only knows what’s going to finally happen to Bass. Non-brewing pub-chains are expanding, and cheap discount-beer pubs are springing up all over the place. CAMRA still needs active members, they still need help with campaigning and they still need you.

A Bit About Us

Time for a bit of a confession… we are not primarily a campaigning branch of CAMRA. Shocking, I know, but we’re nestled between the two huge branches of Nottingham and Derby – we came into existence through neither Derby nor Nottingham being bothered to cover the areas that we do, and grew as a social branch. We go out a lot, meet a lot, socialise a lot and try to cover a lot of pubs in several different towns.

Of course, we support CAMRA as much as any other branch, but our time and effort seems better spent just getting CAMRA noticed – we meet in different pubs each month, have a Beer Festival with a local council each year and do a quarterly newsletter to lots of local pubs. We get seen to be active by our entire area and that, as far as we are concerned, is more important. It does have the side effect that we have to go out a lot, but that’s just a cross that we have to bear!

Contacting the Branch

There are many ways to contact the branch. Here is a fairly-definitive list:

Come to one of our many branch meetings – check the Social link for more details
Send an email to any of the committee – check the Committee link for more details
Give the Chairman, John Parkes, a ring on (0115) 849-1354
Send a fax to the Editor, Andrew Kane, on (0115) 877-8097
Send a general email to the branch…