Credit Literacy Quiz: Test Your Credit Knowledge

June 10, 2013 By Marco Carbajo

Credit Literacy Quiz

The reality today is we are facing the toughest financial era since the Great Depression. Despite the massive amounts of resources being assembled in the cause of financial education, year after year, surveys uncover that people all over the country are as financially and credit illiterate as ever.

In order to win this battle requires us to be diligent and continue to utilize all the invaluable resources available to us.

My passion lies in educating consumers and business owners with the credit knowledge and resources they need to utilize the power of credit to their advantage.
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The Best Business Credit Cards for the Credit Savvy Business Owner

June 4, 2013 By Marco Carbajo

Best Business Credit Cards

In this post I am going to share with you how to obtain from $20k up to $200k in unsecured business credit card lines that DO NOT report to your personal credit reports. best business credit cards

Yes, you heard that right, unsecured business credit cards that report ONLY to your business credit reports.

With the best business credit cards you can grow your business and obtain the funding you need without putting your personal credit scores at risk.

What’s the value of a company’s business debts not appearing on a business owner’s personal credit reports?
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50 Shades of Small Business Financing: The Grey Area For Business Owners

May 20, 2013 By Marco Carbajo

Small Business Financing

Small business owners and start-ups encounter a lot of the same problems when it comes to running their business. Finding funds to get started and then thrive isn’t always easy.

Personal finances and business finances begin to intermingle. Some, in fact many, are turning to credit cards in the hopes that their business will be successful – and they can pay off the debt accrued in a relatively short period of time.

This isn’t always the case as some businesses won’t make it and some won’t be as successful as anticipated.
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Company Car Insurance:Why Employees Should Not Use Their Own

May 13, 2013 By Marco Carbajo

Company Car Insurance

Seems like a lot of businesses are trying to save money these days. One option employers are adopting is to use the employees’ insurance as a stop-gap measure on their own liability.

For example, an employer might carry liability insurance but make employees use their own cars – and their own car insurance. That way, if employees get into an auto accident, the employee’s insurance cover kicks in, instead of the employer’s. But this is generally a bad idea.

Employers Risk Increased Liability

If your employee is using his own vehicle, instead of the company one, then you may find yourself on the nasty end of a lawsuit – or possibly fines.
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How to Restore Credit after Hard Times

April 30, 2013 By Marco Carbajo

Restore Credit

Getting your financial life and credit back on track after going through tough times is not an impossible task, by any means, but it does require an effective and proven plan.

Whether you have filed for bankruptcy, gone through foreclosure, experienced late payments, collections, judgments, repossession or the dreaded tax lien, there is hope.

Now, first of all don’t believe for a second that there’s nothing you can do about your past negative credit history because there is, which I will cover shortly.

First, let’s talk about getting new credit regardless of how low your credit score is. The obvious is to open up a secured credit card right?

Well, not exactly.
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