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Being a smart shopper is all about savings, comparing prices from competitors and visiting discount stores and clubs. Use existing coupons to get stores to match the rate of their competition with help from a registered financial consultant in this free video on credit and personal finance.
It's very possible to become a multi-millionaire if a person takes the job of acquiring money and assets as a job, and not as a dream. Discover how to leverage money into good debt, such as real estate, with help from a registered financial consultant in this free video on credit and personal finance.
Boosting a credit score means keeping levels of debt down and manageable, as well as keeping assets as high as possible. Discover the limit that a credit card's balance should reach with help from a registered financial consultant in this free video on credit and personal finance.
In order to apply for a personal loan, an individual needs to document their assets and liabilities in a detailed fashion. Present oneself in a positive way when applying for a personal loan with help from a registered financial consultant in this free video on credit and personal finance.
Credit is figured by banks and credit card companies by looking at someone's assets versus their liabilities. Discover how to get access to more credit going forward with help from a registered financial consultant in this free video on credit and personal finance.
A hold on a credit card is placed when an individual has exceeded their limit, and therefore can no longer make purchases. Find out how credit card holds are used to protect consumers and banks with help from a registered financial consultant in this free video on credit and personal finance.
A joint credit card can be dangerous because one individual may be more irresponsible than the other, and one person can ruin the credit rating of two people. Find out why it's smart for married couples to keep separate credit cards with help from a registered financial consultant in this free video on credit and personal finance.
A lender decides to give somebody credit after looking at their credit score and their credit worthiness. Discover how basic credit cards are easier to obtain than auto loans with help from a registered financial consultant in this free video on credit and personal finance.
A secured credit card is a prepaid credit card that is issued to someone who is unable to use traditional credit cards because of a poor credit history. Discover how prepaid credit cards can be used to improve someone's ratings with help from a registered financial consultant in this free video on credit and personal finance.
An in-house credit card is a private label credit card designed to benefit customers coming to do business at a bank tied to the company. Find out how vendors can apply for private label credit cards with help from a registered financial consultant in this free video on credit and personal finance.
Chapter 13 allows an individual to declare bankruptcy, thus removing the right for creditors to collect from that individual. Learn about the availability of Chapter 13 to companies with help from a registered financial consultant in this free video on credit and personal finance.
Child support can increase a person's income and improve their credit score, but unpaid child support will be reported to credit bureaus. Discover how a large amount of child support can affect a credit score with help from a registered financial consultant in this free video on credit and personal finance.
Child support is paid by one ex-spouse to the other to help with the costs of raising a child. Find out how received child support can put a person into a more predictable income stream with help from a registered financial consultant in this free video on credit and personal finance.
Consumer credit counseling can be governmental in nature, but it can also be offered privately, albeit with certain risks. Find out how to avoid consumer credit counseling with help from a registered financial consultant in this free video on credit and personal finance.
Credit card interest is dependent on how good the credit is of the person who is using the card. Find out how to avoid large credit card charges associated with bad credit with help from a registered financial consultant in this free video on credit and personal finance.
Credit card ratings can range from A1 cards for people with excellent credit, to people with marginal or bad credit. Avoid paying excessive interest by establishing a good credit score with help from a registered financial consultant in this free video on credit and personal finance.
Credit counseling is a valuable service that can be used to help a person deal with their bills and debt. Learn about the differences between public and private credit counselors with help from a registered financial consultant in this free video on credit and personal finance.
Paying off a credit card in full each month is a great strategy that an individual can use to keep their credit score high. Avoid taking on charges that can't be paid over time with help from a registered financial consultant in this free video on credit and personal finance.
The information in a credit card is stored electronically through a magnetic strip on the back of the credit card. Discover how information is stored in holograms on the front of credit cards with help from a registered financial consultant in this free video on credit and personal finance.
When a luxury item goes back to the bank, it's usually in the form of a repossession, which will have a negative affect on a person's credit rating. Find out why it's important to not buy luxury items that can't be afforded with help from a registered financial consultant in this free video on credit and personal finance.
A credit card is issued by a bank to a creditor based on the credit worthiness of that creditor. Learn about the available line of credit in a credit card with help from a registered financial consultant in this free video on credit and personal finance.
A debit card is presented to vendors for payment of goods or services, and the funds are usually taken in real time out of a bank account. Use a debit card as a secure way of traveling and making purchases with help from a registered financial consultant in this free video on credit and personal finance.
A payday loan is given by a company to an individual who is able to provide evidence that they work and get paid somewhere. Find out why payday loans come with excessive interest with help from a registered financial consultant in this free video on credit and personal finance.
Credit scores can be checked by the individual who has their own credit at risk and by the lender who is looking to grant credit to the individual. Monitor personal credit by gaining access to one of the three bureaus of credit with help from a registered financial consultant in this free video on credit and personal finance.
Banking is a world of numbers, and math is used in the way accounts are handled, for calculating interest rates and for determining credit scores. Find out why people with strong math skills often pursue careers in banking with help from a registered financial consultant in this free video on credit and personal finance.
Historically, credit is as old as the idea of a promise and as common as opening a tab at the local bar, but an economic system built on credit uses a more restricted meaning. An economy based on credit leaves only the lenders free and literally “scores” individuals based on their ability to stay in debt and continually make money for lenders. Many Americans believe a good credit score means simply that a person is responsible and timely in paying off the loans that he or she was required to take in order to function in society. However, a person with a high credit score can be someone who stays in just the right amount of debt to be a good investment for financial institutions. In this free video series, a registered financial consultant provides advice for people looking to use loans and credit cards. Find out how credit is figured, how secured credit cards work and how child support affects credit scores. Learn about credit ratings, Chapter 13 and its affect on credit scores, and applying for a business credit card. Gain a better understanding of credit and credit cards with help from these free videos.
Patrick Munro Patrick Munro's affinity for investing and financial matters began more than 20 years ago with business education and service throughout the ranks of the banking, insurance and brokerage industries. His goal for providing personal service to the senior market began in 1997 after relocating his family to Wilmington, N.C., and the founding of NorthStar Financial Advisors. Munro provides highly personal service to clients all over North and South Carolina, helping them to identify tax savings through various safe financial products and utilizing the various tax strategies available to seniors to protect their assets. In addition, Munro helps many clients eliminate the financial threat of long-term care and offers ways to avoid the unnecessary difficulties of probate court. He is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.dkdk
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