GPO Presents CEO in 10 with Shelly Sun of Brightstar Care. 

 

Shelly talks briefly about the importance and impact of FranPAC on the franchise community.

GPO Presents CEO in 10 with Shelly Sun of Brightstar Care. 

 

Shelly talks briefly about the importance and impact of FranPAC on the franchise community.

Life Lessons with Jay Morrison. This show is sponsored by www.gracefully-yours.com, America's favorite encouragement greeting cards.

Life Lessons with Jay Morrison. This show is sponsored by www.gracefully-yours.com, America's favorite encouragement greeting cards.

Gracefully Yours presents Life Lessons with Ronnie Crooper.

Personal credit tips by Ronnie Cropper, Founder of DisputeDoc

1. Keep low balances

A major contributing factor for your credit score is how much credit you have versus what you have

used. The lower the utilization, the better it is for your credit rating. Aim for 20 percent or lower.

That means no more shoe splurges or fancy restaurants unless you can pay it off.

What you might not know: Even if you pay balances in full every month, you still could have a higher

utilization ratio than you'd expect. That's because some issuers use the balance on your statement as

the one reported to the bureau. Even if you're paying balances in full every month, your credit score

will still weigh your monthly balances.

My advice? See if the credit card issuer will provide you with your statement date;

2. Do not remove old debt

That means once you have paid off that car or home, most people will try to remove it from their credit

report.

But it's important to know the difference between good debt and bad debt. Good debt - debt that

you've handled well and paid as agreed - helps build good credit history.

If you have a solid repayment record, don't close old accounts. It shows you are potentially a good

future candidate for loans.

3. Bills, Bills, Bills

Sometimes life gets in the way or it's easier to ignore the bills, but good credit relies on timely

payments.

We all know this... but what we don't know is that there are ways out. We just don't want to face it until

it is too late.  the moment you know you are late on something, contact the creditors. There are many

solutions that can be offered to consumers to prevent late payments if you communicate.

Gracefully Yours presents Life Lessons with Ronnie Crooper.

Personal credit tips by Ronnie Cropper, Founder of DisputeDoc

1. Keep low balances

A major contributing factor for your credit score is how much credit you have versus what you have

used. The lower the utilization, the better it is for your credit rating. Aim for 20 percent or lower.

That means no more shoe splurges or fancy restaurants unless you can pay it off.

What you might not know: Even if you pay balances in full every month, you still could have a higher

utilization ratio than you'd expect. That's because some issuers use the balance on your statement as

the one reported to the bureau. Even if you're paying balances in full every month, your credit score

will still weigh your monthly balances.

My advice? See if the credit card issuer will provide you with your statement date;

2. Do not remove old debt

That means once you have paid off that car or home, most people will try to remove it from their credit

report.

But it's important to know the difference between good debt and bad debt. Good debt - debt that

you've handled well and paid as agreed - helps build good credit history.

If you have a solid repayment record, don't close old accounts. It shows you are potentially a good

future candidate for loans.

3. Bills, Bills, Bills

Sometimes life gets in the way or it's easier to ignore the bills, but good credit relies on timely

payments.

We all know this... but what we don't know is that there are ways out. We just don't want to face it until

it is too late.  the moment you know you are late on something, contact the creditors. There are many

solutions that can be offered to consumers to prevent late payments if you communicate.

Gracefully-Yours presents Life Lessons with Randy Newman. Visit www.gracefully-yours.com for your favorite encouragement and birthday cards.

Gracefully-Yours presents Life Lessons with Randy Newman. Visit www.gracefully-yours.com for your favorite encouragement and birthday cards.

Gracefully-Yours Greeting Cards Presents Julie Law with Amazon on Back to School Shopping. Getting kids ready for Back to School, whether it’s Kindergarten or College, is labor intensive to say the least. Doctor visits, registration and even haircuts, all take valuable time and energy – time that could be spent enjoying summer!

 

And then there’s the dreaded SHOPPING. The clothing stores, the shoe stores, the office supply stores, the grocery stores. There’s barely enough time in the day, UNLESS --- you do ALL of your Back to School Shopping in one convenient location.

 

Amazon’s Julie Law has great tips on how to make your shopping experience the EASIEST part of the equation! Julie is available via satellite to share with your viewers:

 

Trending essentials for every ageCan’t miss deals for Back to SchoolEasy roadmap to essentials broken out by grade

Gracefully-Yours Greeting Cards Presents Julie Law with Amazon on Back to School Shopping. Getting kids ready for Back to School, whether it’s Kindergarten or College, is labor intensive to say the least. Doctor visits, registration and even haircuts, all take valuable time and energy – time that could be spent enjoying summer!

 

And then there’s the dreaded SHOPPING. The clothing stores, the shoe stores, the office supply stores, the grocery stores. There’s barely enough time in the day, UNLESS --- you do ALL of your Back to School Shopping in one convenient location.

 

Amazon’s Julie Law has great tips on how to make your shopping experience the EASIEST part of the equation! Julie is available via satellite to share with your viewers:

 

Trending essentials for every ageCan’t miss deals for Back to SchoolEasy roadmap to essentials broken out by grade