Published on 28 December 2019 by Kyla R.

As an adult, your credit score can either help your future…or harm it. Especially as young adults, many of us fall into the credit card trap where we max them out and then ruin our credit in the first few months. Here is an overview of what credit is, how to keep it high, and what it can do for you.

What is a credit score and how does it help me?

A credit score is a scoring of all the credit you’ve accumulated, how long you’ve had open accounts, and several other credit factors.

Your score can do many things for you, however. If it’s good, it will do good for you. If it’s bad, it’ll likely only pull you down.

Let’s get an example. If you have a low score, you’re likely to pay thousands of dollars extra on a mortgage, auto loans, and other loans that refer to your credit score.

Reasons to have a high credit score:

  • Security Deposits may be waived
  • Savings on interest rates and loans
  • Access to credit cards with lower rates and more savings
  • Lower insurance premiums

Why do you need a good credit score?

What is the likelihood that you will save up hundreds of thousands of dollars for a house, and then pay it off in full? Unless you are planning on renting places for the rest of your life or saving until you have enough, a home mortgage is likely your best bet. In order to get a fair deal, however, you will need to boost your credit score and keep it as high as possible or else you may be paying thousands of dollars more than someone else.

You don’t have only one credit score.

There are three main credit bureaus who hold the information that create your score. You are allowed to get one free score once a year from all three, but websites such as CreditKarma help formulate one several times a month and will alert you of any changes, as well as offer cards that you can look into.

How to grow good credit:

Paying your bills on time is one of the most important aspects. Not only will your payments increase if you don’t due to interest, but it will be bringing down your score.

Your total accounts. Every card you open and every loan you take out will add to your number of total accounts. Too many accounts can look poor, but having a good mix always helps.

Length of credit. This part of your score considers both the age of your oldest account and newest, as well as the average. The shorter the amount of time, the more it will weigh down on your score.

Inquiries. If you are constantly making hard inquiries (meaning you are applying for new credit cards or loans) your credit score may reflect it. They typically score this based on the last 12 months.

Revolving Utilization. What is that fancy phrase? Simply put, it’s how much you owe on your accounts. This is calculated as a percent of how much you owe based on your total credit limit. So if you have a limit of $3,000 for example and are maxing it out every month, it will poorly reflect on your score.

As a young adult, my first decision was to apply for a credit card on my eighteenth birthday. For many, this is where the problem begins. I, however, was responsible with my card and actually formulated a high score! The only thing bringing me down now is my length of credit and my student loans. Here’s to high credit scores!

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Published on 27 December 2019 by Kyla R.

Are you interested in getting higher education? Whether it be just because you simply want it or need it for the jobs you are looking for, timing may not always be in your favor. Maybe you have a job that is vital to paying your bills and don’t have the time to physically sit in a classroom. Or maybe you just don’t fare well in university/college environments. No matter what your situation is, getting an online bachelor’s degree may be for you.

What is a bachelors degree?

In it’s simplest form, a bachelor’s degree is a four-year (more or less) degree consisting of undergraduate coursework.

Types of Bachelor’s Degrees:

B.A. and B.S. Both are bachelor’s degrees, meaning four year degrees! The only difference is the focus of coursework. B.A. is a bachelor of the arts, meanwhile B.S. is bachelor of sciences.

Note: Online classes at a university or college does not necessarily constitute as schools who offer bachelor’s degrees fully online. Example: Florida State University offers a variety of online classes, but the majority of classes are required to be in person. You are unable to fully get a bachelor’s via only online courses.

Schools that offer Online Degrees

Embry-Riddle: Known as the number one online university for six consecutive years, Embry-Riddle features their online technology on their site, including video conferencing to give a class-room feel to your courses. Learn more about the school and what it offers here.

Arizona State University: I learned about this institution through Starbucks (see below) but it is offered to anyone and everyone! A list of majors are offered fully online. All you need to do is tell them what you’re interested in and they will get in contact with you through here.

Starbucks with Arizona State University: As a past barista, I can vouch for this incredible program! Starbucks will cover one-hundred percent of your tuition with ASU online. You can be either part-time or full-time to take advantage of this benefit, but you need to hit a threshold of hours every week in order to keep your tuition covered! Eligibility depends on how long you’ve been working. For more information tap here.

Ashford University: I’ve seen several ads for this college online. With a great array of majors (mainly focused around non-STEM majors, but there are health majors) Ashford offers more than fifty online degree programs. There is limited information on how exactly the program works, but more can be learned but inputting your contact information into a form and waiting for their response here. They also offer other programs such as associates, masters, and doctoral, which can be found here.

Keiser University: This school offers either fully remote (online), on campus, or a combination of both. This may be a perfect option for those who aren’t sure which is best for them and want to experience a new area! They also offer other programs alongside bachelors like other schools on this list. Request more information here.

University of Florida: Listed as one of the top online universities in 2019, UF offers twenty one different majors for the bachelor’s degree. Just like an on-campus student, you also have access to the university’s career services. Learn more and get in touch here.

Some other schools…

  • UNF
  • UWG
  • University of Alaska
  • ASU (Arkansas State University)
  • Valdosta State University
  • University of North Dakota
  • More can be found here.

Note: Not all majors are able to get a bachelor’s through online classes. Do your research before applying by looking at the school’s websites.

So long as you are focused an stay on top of coursework, an online bachelor’s degree program may be perfect for you. Beware, however, that some campus graduate programs may look down at online coursework.

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Published 25 December 2019 by Kyla R.

Have you ever wanted to start up a business, but didn’t know how or what? When you hear business, you probably think big corporations, restaurants, or an office. Especially when you’re starting in the business world, these options aren’t exactly accessible. With no experience, it may seem even more impossible. Here are some ideas for small businesses you can get up and running in a matter of days.

  1. Lawn Care: This includes cutting/trimming grass and bushes, fixing up pine straw, and cleaning up driveways. What’s needed: A lawnmower and probably a blower.

2. Tutor: Did you go to college? Did you get a degree in something? Great! You’re likely able to tutor students. Students in all subjects constantly need tutoring help and if you live in a neighborhood with lots of children, this might be easier than you think! What’s needed: Knowledge on the subject matter, ability to teach and work with children, and likely a clear record.

3. Dog Walker: Lots of apps such as Rover, Barkley Pets, and Wag all allow users to either search for walkers/sitters or apply as them! Nothing is required, but to get jobs some testimonials and past experience is highly recommended. A car to get to certain homes may also be helpful!

4. Errand Runner: Especially in areas with senior citizens, this business may be profitable for you. Lots of individuals (not only older ones) don’t have the time or energy to run around doing errands. That’s where you come in! What’s needed: A car or means of transportation and the skill of organization!

5. Cleaning Business: There are lots of high end businesses like these, so to succeed, you will need to find clients by going to people in your neighborhood! Lots of people need their houses cleaned, especially before holidays and other events. What’s needed: Cleaning supplies and a client list!

6. AirBnB Host: If you own your house, awesome! If not, this may not be the choice for you (unless your landlord is fine with it, but probably not.) This is especially great if you’re living in a big city where tourists come in and out! Renting out a room for the night and providing a few things here and there for your renter is pretty simple, but be prepared to have someone you may not exactly approve of living in your home for that time. What’s needed: A room with a bed! Preferably a house.

7. Babysitting: Have lots of children in your neighborhood? Like children? That’s great! What if you could get paid to hang out with kids? Becoming a babysitter is a great idea, so long as you’re actually responsible. What’s needed: Parents are picky. You will likely need lots of testimonials (so experience) and CPR certification (bonus points if you took a class specifically for children!)

8. Meal Planner and Prepper: Interested in helping others diet and form a healthier lifestyle? Maybe planning meals is a business you might excel in. Look for local small gyms and offer up your idea, I’ve seen lots who have teamed up and now have hundreds of clients due to this! What’s needed: Testimonials will definitely help, but being fit yourself is a great help!

These are some of my favorites, but the list doesn’t stop here! You can make a small business out of practically anything, so go and try it!

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