The Quickest Way to Build Credit Scores with Tradelines

There exist many ways to build and improve your credit score, but most of them take time and patience to come into effect. However, there is a quicker and easier way to this – making use of another person’s tradelines to build or better your credit score. You can do this by two means.

Becoming an authorized user

Often, you have a friend, a family member, or a significant other who has a long history of positive credit scores and paying bills on time. By being added as an authorized user to such a person’s credit card, their tradeline gets shared with yours and impacts your credit score in a positive manner. You don’t need to possess or use this person’s credit card to reap the rewards of being an authorized user. All you need to do is ensure that the primary cardholder, i.e. your friend or family member, reports the activity of all authorized users to the credit bureaus. Else, it can be a waste of time as non-reporting won’t help with credit building at all. It is advisable to come to an agreement with the primary cardholder before the exercise, especially if the person expects you to pay your share to him/her for giving you such access to their credit history.

Buying third-party tradelines

Not all people are fortunate enough to have friends or family with positive credit history, and even if you do, these members may not be willing to give you authorized access for a variety of reasons. In such a situation, the quickest way to build credit scores is by buying tradelines from a reputed and legitimate company. The tradeline purchase is made by a third-party agency or company who specializes in the same.

Professional companies buy tradelines from people who have a long history of positive credit card or loan payments and offer them to you at a fee. The advantage of this method is that you can choose one or more tradelines that help offset the not-so-great information on your credit report. You can also make a choice based on your goals – whether it is to obtain a higher limit on your existing credit or to secure a large sum of loan for a new house or car. The effect is typically visible in anywhere between 45 to 90 days.

However, when opting for this method, be wary of the company that you choose to work with. There is an exchange of sensitive information, including identity proofs with the third party and tradelines sales company. So, be absolutely sure that you avail the services of a legitimate organization lest your identity gets stolen or misused.

Also, remember that buying tradelines as the quickest way to build credit only works for a short term. You are usually removed as the authorized user once your goal has been achieved. Post obtaining a new credit card or loan, you need to continue making payments on a timely basis lest your credit score topples again, sending those hundreds or thousands of dollars you spent buying third-party tradelines down the drain in no time.

How to Give Your Finances a Fall Cleaning

We all hear about the ritual of Spring Cleaning – but what about “Fall Cleaning?” For many, fall is a natural new beginning, signaling the start of the final quarter of the year, the descent into the holiday season, and a ramp-up to a fresh new start when January 1 rolls around. In many ways, there is no better time to conduct a thorough financial refresh, take stock of your debt relief goals, and to restructure your family budget to optimize your financial success.

If you’re looking to organize your finances this Fall, here is a simple checklist for you to consider.

Take Your Financial Pulse
Comb your important files, check all of your bank accounts, pull your credit reports, and revamp your family budget to make sure that you have a grasp on your income streams, debt balances, debt relief payment plan schedules, assets, and liabilities. Before plunging into a new year, it’s important to know where you stand, where your finances look healthy, and where you have room to improve.

Once you’ve taken your financial pulse, the critical next step is to commit to change. If you consistently overspend in a particular area, resolve to significantly cut back in the next three months. If your emergency fund is looking a bit thin, devote a larger portion of your monthly paycheck to funding it – even if it’s just a few extra dollars. Finally, if your budget needs a refresh based on your most current income and expenses, update it, and make sure everyone in your family or household is aware of the changes.

Contribute to Your Retirement Accounts
In the last quarter of the year, do your best to max out your retirement contributions. You may have to play around with your amounts each month, especially if you’re currently in a debt relief program or attempting to settle a debt. Also, the amount you contribute may depend on whether your employer matches your contributions. Consider meeting with a financial planner to ensure you’re sufficiently padding your accounts before the end of the year.

Check Your Insurance Options
Check your options for open enrollment in a solid health, life, and disability insurance plan. Spend some time analyzing your healthcare spending and see if enrolling in a new plan would help you save more. Also, you can consider opening a Health Savings Account or Flexible Spending Account to contribute a set amount of healthcare funds before the start of the year.

Focus on Debt Relief
If you’re working through a debt relief plan, like credit card consolidation or debt settlement, consider using this final quarter to make substantial progress toward decreasing your balance. Rather than apportioning a substantial amount of your budget for holiday gifts, use that money instead to pay down your debt. Consider picking up a side job or extra shift or devote a larger percentage of your monthly income to debt relief, if possible.

How to Get an Auto Loan When No One is ready to co-sign for you?

Auto loan approval speeds up when you have a co-signer. You might have suffered from bad credit and the best solution would be to get a cosigner on board. Ideally, a co-signer is someone who agrees to repay the auto loan amount in case the borrower fails to make regular payments. Co-signing is a generous act of helping a family member or a friend in need. But more often than not, the risks involved with co-signing an auto loan are massive. Due to the numerous financial risks, you may be left in a situation with no co-signer.

What are the Risks of Co-Signing an Auto Loan?

1. Directly Liable to Make Payments

In the worst-case scenario, if you are unable to make payments, the co-signer will become directly liable to pay them. The lender has the right to sue the co-signer, who has agreed to repay the loan in the past. Although the co-signer has not taken an auto loan, he has helped the borrower attain auto loan approval. Therefore, he can be held responsible for making payments in case the borrower avoids making them.

2. Debt to Income Ratio Disruption

When a co-signer comes on board, his total debt increases as compared to the gross monthly income. The person co-signing for you would always think about his/her future financial requirements. If he co-signs for an auto loan, he might be denied for a loan in the future because there is already a lot of debt under his name. When someone co-signs for you, it can disrupt their future financial planning. And so, they avoid co-signing for a loan.

3. Co-signing Makes Relationships Bleak

A co-signer will be ready to risk their credit score only if they are a close friend or a family member. In most cases, when you miss out on payments, it becomes your co-signer’s duty to bring you into the lawsuit. Most likely, your friend or relative may even have to sue you and that can strain your friendships or family ties.

If Co-Signing is a Bad Idea, then how do you obtain an Auto Loan?

If you are unable to find a co-signer, do not worry. There is hope. Get back to the drawing board and change your game plan. Focus on the following things for easy approval:

1. Increase the Amount of Down Payment

When you apply for an auto loan, make sure you are making a big down payment that reduces the amount of the car loan. Ideally, 20% or more of a down payment is a good amount to pay upfront for auto loans without a co-signer.

2. Work on Building Stellar Credit

You require a co-signer in the first place because of a bad credit history. Work on increasing your credit score by paying off past debt, clearing credit card balances and paying your auto loan on time.

3. Apply for No Co-Signer Auto Loans

Last but not least, consider applying for no co-signer auto loans. There are many online auto financing companies that offer auto loan approval without the need to co-sign. Interest rates may be a tad higher but they will compensate for the time and effort take to convince someone to help you out. You can always negotiate interest rates with the lender and seek a better deal by manifesting your current monthly income.

Consultants – 5 Phenomenal Tips to Land a Consulting Job

If you are just starting out and if you think that establishing your own consulting firm or being a freelance consultant is not a viable option just yet, you can go ahead of find companies that are hiring consultants. The good thing about going this route is that you don’t need to find your own clients and that you are guaranteed a paycheck at the end of month. You’ll also enjoy benefits based on labor laws where you are working.

Here’s how you can land a consulting job:

1. Do your research. Search the internet for job openings near you. Before you distribute your resume, make sure that you do thorough background check on all the companies where you would like to apply. Do they offer comprehensive benefit package? How much do they offer to new consultants? What is their attrition rate? Do they offer training and seminar? Do they give their employees room for growth and equal opportunity on promotions?

2. Create a compelling resume. Your resume must speak volumes about you. It must contain your educational background, relevant trainings and experiences, and previous employment history. It must be easy on the eyes and promote easy reading. Use your most recent, friendly-looking photo. Leave your contact information and leave as many references as possible.

3. Ace your interview. If you are lucky and you get a call for an interview, make sure that you prepare ahead of time. Dress and look like a professional. Read some interview tips over the internet so you’ll know what you need to do on the big day. Answer questions briefly and know how to properly sell yourself without sounding too proud. One tip I can give you is to always maintain eye contact as this communicate sincerity and confidence.

4. Practice. There are some websites that can help you practice your interview. Jot down the questions that are usually being asked by the interviewers and create compelling answers. One of the questions that take interviewee off guarded is “what is your weakness?” You need to know how to answer such question without sacrificing your professional image.

5. You must possess the needed skills. You’ll increase your chances of being hired if you have project management, budgeting, organizational, and presentation skills. In addition, you must also have strong verbal and written communication and excellent analytical skills. It would also help if you can present yourself as someone who is determined and result-oriented.

Succeeding in Consulting

Consulting is the art of sourcing information, ideas and guidance from a more knowledgeable person or organizations for solving a present problem for a fee.

It involves drawing from one’s experience, outsourcing of information or maximizing professional advantage in tackling issues especially where the client has lesser capabilities. The key demand is finding most suitable answers to questions.

Succeeding as a consultant demands a lot of professionalism both in approach and practice. It calls for adequate interaction and listening to your clients attentively so as to understand and place yourself in the person’s stead. To achieve this you must be more of a listener. Your listening must be directly related to the intelligent questions you are asking. This will help place you in the person’s position and you understanding his or her ultimate goals.

The consultants first and foremost duty is to understand the singular end result the client wants to achieve. Secondly, a proper analysis of the clients’ attitude, workforce, public perception, product or services and environment must be made before a lasting solution could be fashioned out. This step is totally unavoidable due to the fact that many challenge of today many have its root from an unexpected zone. Thus the needed answer may be more remote and ordinary than expected.

Lets look at this example-

A couple asked for the services of a consultant in drawing out an investment plan for their children aged 15 and 18 respectively. Both of the couples are working and earning comfortable income. The proceeds from the about to be made investment will totally be set aside as an inheritance for the children.

The consultant found out the following-

The couple do not need the proceeds of the investment
They want their children to be financially ok
The children are not part of this plan, which is the most concern.
The consultants’ recommendation stunned the couple. According to him, the right step to take is to bring in the children in to the financial planning and drill them on the nitty gritty of investment and further guide them as they begin to invest.

Why must this approach adopted?

The investment and the fortunes are meant for the children and not the parents. They may meet the money latter in life and mismanage it, thus the financial independence planned by the parents is defeated.

Adopting the problem solving attitude from the remote area makes the consultant more result oriented, appreciated while earning more. On the other side, your clients demands are meet while establishing a mutual trust above that of business associates.

Sales Consultant – What You Need to Become a Better Sales Consultant

Sales consultants are those individuals who are helping businesses or organizations gain new clients or boost their sales. The term “sales consultant” is very broad because the actual responsibilities of the consultants solely depend on the nature or type of the business. Some consultants are tasked to improve the sales team while others are called in to help in generating leads and in promoting product awareness to a particular target market.

Here’s how you can become a better sales consultant:

1. It’s very important that you understand the needs and demands of your clients. Before you even create your marketing or action plans, make sure that you talk to these people to get a clear picture about their goals. Ask as many questions if needed. Restate the goals and seek an agreement just to make sure that you and your clients are on the same page.

2. In-depth product knowledge. Once you and your clients have agreed on the goals, you need to get an in-depth knowledge about the products or services that you are going to promote. I recommend that you use the products or experience the service to get first-hand knowledge. You need to know how the products work, how they were made, their limitations, and the benefits that they can offer.

3. In-depth knowledge on the target market. It is not enough that you know the products and services inside out. To easily help your clients make a sale, you need to know their target market on a deeper level as well. Know their needs and demands, their preferences, the problems that they are going through, and their goals in life. You can use these elements to easily push their buttons and make your products more valuable to their eyes.

4. Aggressive marketing campaign. If your clients have an existing marketing plan, I recommend that you analyze it and if needed, make necessary improvements. If they don’t have one, create and launch aggressive marketing campaign to help your clients boost their sales. While taking their target market into consideration, choose the marketing tools that you can use to easily connect with these people. Make your marketing messages easy to understand and targeted to your audience.

5. Advertising gimmicks. You can suggest launching advertising gimmicks to your clients (giving out discounts and vouchers, launching games and quizzes, raffle promos, etc.) to easily create serious noise within the target market.

Environmental Consulting – Announcing 4 Methods Jumpstart Your Environmental Consulting

Amidst mounting public concern over climate change and environmental degradation, entrepreneurs are leaning towards seeking the help of environmental consultants to show buying public that they are not only after making profits but also in taking good care of Mother Nature. For some businesses, this is proven to be a useful and powerful tool in soliciting support from their target market.

If you are a nature lover and if you want to make money protecting it, you can start a career in environmental consulting. Here’s what you need to do to get started:

1. The first thing that you need to do is to make sure that you have what it takes to become an environmental consultant. Aside from having at least 5 years related experience and trainings, you must also have at least a degree in environmental engineering and environmental sciences. In addition, you must develop or improve certain skills to become an effective consultant. These include; analytical, communication, people, and research skills.

2. Specialize. Environmental consulting is a very broad term. It would work to your advantage if you can figure out ahead of time the specific area that you would like to focus your attention on. For example; you can offer lead hazard assessments for constructions companies or you can deal with waste management. The good thing about specializing is that you will not need to learn a lot of things and that you can offer solid support to your clients.

3. Learn from the experts. Aside from reading relevant online and offline resources, you can also obtain additional valuable information from industry leaders. You can watch them in action or you may opt to take advantage of the coaching programs and online classes that they offer. Keep in mind that the more information you gather, the better your chances of succeeding in this field.

4. Get your prospects to sign up. After meeting all the requirements, you can go ahead and find yourself some clients. You can place your ads on newspapers and local magazines. You can also use TV and radio to get the word out especially if you are targeting companies from a certain geographical location. However, if you intend to offer your services worldwide, you can use the internet as your marketing medium. I recommend article marketing, social media marketing, video marketing, blogging, and forum posting. If you care to do each process right, you can be assured that you’ll generate enormous leads in no time.

A Business Consultant Can Perform an Annual Check Up

Anyone who owns a business is well advised to do an annual check up on their overall operation and this is one area where the services of a business consultant can really come in handy.

Why Perform an Annual Check Up?

The purpose of an annual check up is to assess your company’s performance in several areas: finances, strategy, human resources, marketing. Of course, you will have prepared a business plan by which to run your company the previous year. But have you ever gone back and assessed whether or not you met your goals or performed the way you expected?

If you do not periodically monitor your firm’s progress, then a business plan is really a waste of time and resources. Think of it as an annual physical at your GP’s office. Just as you need to monitor your health and well-being, so does your company require an evaluation.

What is Involved?

A business consultant will delve deep into the state of your company. They will consider a variety of elements before giving you a report. Here are just some of the questions they will ask and find answers to.

Are your year over year sales figures growing or declining?
Have you achieved your financial goals?
Are you keeping or losing established customers?
Have you release a new product or service in the last year?
Have you established, and maintained, a marketing plan?
Are you utilising public relations as a promotional tool?
What type of advertising are you using? Is it effective?
How do you customers rate you for service?
How does your company compare to the competition?
What is your employee turnover rate?
What do your employees think of your company’s culture?
A business consultant will give you, as owner, more than just a vague rating based on these, and other, factors. They can provide a meaningful score based on a variety of analytics.

What Happens After the Check Up is Performed?

A good business consultant will not stop after the assessment is complete. They will offer advice as to how to increase your score in the areas that need improvement. This can be done in several ways, including employee and customer surveys, process analysis, and other tools they are trained to use.

There is no reason to settle for anything less than superior performance in your company and a business consultant can help get you on the right track to meeting, or even exceeding, your goals.

Creating a Branding Plan

Creating your company’s brand is extremely important to portray a stable,Guest Posting and profitable business. It helps people understand your position within your market, the promises that you make to clients and helps establish your expertise.

There are many parts to creating your brand. Branding is a product of intense planning and conceptualization. To come up with innovative marketing ideas and an effective way to brand your products or services, you need to carefully lay out the steps you need to get there. Doing so will also enable you to take note of the vital aspects involved in the creation of a brand. Brand models have been formulated to create the framework needed to build an effective brand that will be able to withstand market trends and competition.

What is a Branding Model?

There are basic models utilized in the process of brand planning. Each of them will cover different scopes and aspects of the process to create a sound branding strategy. Aside from the ability to postulate methods for arriving at a specific brand idea, these models will also help business people understand the behavior of prospects and clients in terms of their responses to a brand, which is helpful in adjusting old branding strategies or acquiring new ones.

All of these features are key in managing and reviewing brands, which are necessary steps that must be taken by any company in their branding efforts. These models are not directly linked but one does impact another.

Brand Positioning

This model involves your effort to create an image that will have its distinct position in the market. Firmly establishing your brand will help your target market to easily remember and opt for your line of products or services. This is one aspect of your brand planning wherein you must focus on creating superior brands that will eliminate your competition. Here are steps you need to look into:

• This is the step wherein you begin to identify other brands you are competing against. Then, define the parameters of your own brand against your competition. This will enable you to focus your efforts.

• Next, your objective is to introduce attributes to your brand that will enable it to stand out from the competition. You must also introduce elements into your brand that will produce in the mind of your target market the perceived quality of your brand.

• You must establish a slogan for your brand that will aim to reaffirm the position and values of your brand. It aims to articulate the message of the brand and what it promises to deliver to the consumers.

Brand Resonance

Once you’re through the stage of creation and distinction placement in the market, your next step is to protect the loyalty of your clients. To do that, you need to employ an efficient customer relation service and to provide a feedback system. This model follows from the initial steps laid out by the brand positioning methods. Now that you have acquired target clients, your next aim is to strengthen the relationship between them and your brand. After all, the majority of business sales stem from repeat customers.

More than anything, this stage is where you must reinforce the messages initially conveyed by your brand. Hence, clients will remain satisfied with the level of performance and quality delivered by your brand. Are your methods consistent to the identity of the brand and its missions? Take into consideration the feedback of customers on your product or service and how you can build up on that relationship.

Brand Value Chain

This one is more focused on the financial impact of your branding efforts. The basic idea of this model is that the value of the brand consists in the clients, so that is where you should be focusing most of your branding strategies on.

Carefully combining these various models will provide your company a reliable perspective of the different areas involved in this marketing activity. Bringing all these branding elements into the formula will enable you to easily track progress or problem areas in the branding system.

5 better ways to find your Social or Brand equity easily

Find some suitable techniques or suggestions to make better brand reach and equity for 2020

Did you Google an unknown word recently? Did you WhatsApp your long lost college mate to catch up some time? Or use a Band-Aid to cover up that cut you got while playing a high-spirited match of football?

Do you notice anything shared in the above questions? That’s right,Guest Posting a brand’s name replaced the actual verb for the action to be done, yet had the same connotation.

In the above examples, sending a text message was replaced by the name of a popular instant messaging service, i.e., Whatsapp. Similarly, the action of looking up something on the Internet was replaced by the name of the search engine giant, Google.

If you own a company which provides certain products and services, you must be curious how much value your company derives from the customer’s perception of your brand name . In simple words, this is known as your social brand equity.

Measuring your social brand equity is a crucial factor in driving your business forward.

Three significant components can analyze brand equity:

1. The consumer perception of the brand
2. The effect this perception has on the company
3. The value of this effect on the brand

Determination of brand equity is highly subjective, as it is greatly affected by the emotions of people for a particular brand. Many tangible and intangible factors come into play in its determination.

1. Evaluating the Brand Image in the Market
Evaluation of the brand image contributes to the first component, i.e., customer knowledge and perception of your company as a whole and is the most crucial factor which affects your brand equity.

According to Neil Patel’s blog, these metrics can be broken down into two parts, i.e., the functional and the emotional associations of your brand.

Functional associations essentially describe how your product or service is being used. Let’s consider the online dating sphere as an example.

There are almost 15-20 websites and apps that provide matchmaking services based on the profile you upload. However, Tinder emerges as the dominant player in the online dating industry, with almost 8.2 million active users in the United States of America alone, as compared to 5.1 million active users on

Influencers on the Internet contribute to the brand image as well. Reviews of various products offered by a multitude of brands populate websites like Instagram and Online gaming software provider, which help people in deciding what they prefer to purchase.

2. Comparing the Sales of Your Brand with other Brands in the Same Category
This metric is one of the easiest to analyze as all companies keep a record of the sales of the different products they sell and the services they offer.

Higher sales of the products of your company in a particular category as compared to other companies indicate that people prefer your brand over the others.

Measuring this metric enables you to develop strategies to enhance your line of products to suit your customers better.

3. Evaluating the Earning Potential of your Brand in the Long-run
Your company might launch a revolutionary product once in a while, which might generate a ton of revenue in the first few months of its launch.

However, short term profits do not improve your brand equity. The product you released might become obsolete if another company launches the same product with a few tweaks.

Thus, you must consider the earnings of your brand in the long-run. To do this, you might want to consider these questions:

1. Does your brand offer some uniqueness in customer-compelling ways?
2. Does your brand align with specific issues customers face?
3. Is your brand accessible to all?
4. Does your brand provide excellent value for the price charged?

4. The Price Premium you Charge for the Brand Name
A white Armani cotton t-shirt can cost up to 0 while the same t-shirt from another brand can cost as low as . The 5 difference between the prices of the same product is known as the price premium charged for the brand name.

Similarly, Apple’s ridiculously priced line of iPhones soars at a rate of over 00, yet almost 60% of Apple’s revenue comes from iPhone sales.

The manufacturing cost of an iPhone XS Max is estimated to be around 443$, while the retail price soars at 9. Despite that, people are willing to buy the particular model of the iPhone, simply because it’s an ‘iPhone’!

5.The Share Price that Your Company Commands in the Market
If you become a publicly held company, people can invest in your company by buying individual blocks of your company, known as shares. The supply and demand concept forms the basis for your company’s share price.

A positive perception among people would cause them to invest in your company by buying shares. The higher the demand of the shares, the better the impression for any and higher the share price.

However, if people fear losses on investing in your company, they start selling their shares, creating a higher supply than the demand, causing the share price to plummet. This ends up with severed brand equity of your company