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Any parent would agree that if asked the question if they want their kids to be successful the answer would be a resounding yes. #moneysuccess
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Parents Take Note: There is More To Success Than The Money You Make For Your Kids
5:34 PM
Alexis P. Jones, The Credit DIVA
3 Reasons Why Planning for Retirement (Post Bankruptcy) is Crucial
9:45 PM
Alexis P. Jones, The Credit DIVA
control.
Your wake up and wonder how did it get this crazy? Your mind keeps telling you that you can work it out, and every day it is not getting worked out because maybe the money wasn't coming in fast enough or there was a great deal of oversight and surprises that kept money management very difficult to get a handle on. It happens to more families and singles as well. The time passes so fast when your going through some tough times.
Making a comeback is important and needs to be addressed sooner than later when the income situation is stable again. You must have the ability to set aside some cash to put the foundation for your life back on it's feet. Planning for retirement may seem like no big deal, but when you've lost time and earning power, it is crucial to put it back in motion. The 3 Reasons Why Planning For Your Retirement Post Bankruptcy is Crucial is because,
1. You cannot always make up for time in the physical sense. Money leverage can be achieved with the right investment strategy and a clear layout of where you are.
Your wake up and wonder how did it get this crazy? Your mind keeps telling you that you can work it out, and every day it is not getting worked out because maybe the money wasn't coming in fast enough or there was a great deal of oversight and surprises that kept money management very difficult to get a handle on. It happens to more families and singles as well. The time passes so fast when your going through some tough times.
Making a comeback is important and needs to be addressed sooner than later when the income situation is stable again. You must have the ability to set aside some cash to put the foundation for your life back on it's feet. Planning for retirement may seem like no big deal, but when you've lost time and earning power, it is crucial to put it back in motion. The 3 Reasons Why Planning For Your Retirement Post Bankruptcy is Crucial is because,
1. You cannot always make up for time in the physical sense. Money leverage can be achieved with the right investment strategy and a clear layout of where you are.
2. They say it's not what you make, but what you save that matters. This is key because saving is how you can protect yourself as your life and needs evolve. We are entering to a new economic chapter in the U.S., a new President is on the way and you have to be smart about your money choices.
3. Retirement costs are rising for even the 40 to 50 year olds because, we are living longer lives and it costs a lot to live longer with good health. Cost of living, food, shelter and a good quality of life requires better planning.
Setting a goal to strategically put your money to work for you and your future is the next step. Bankruptcy can give you a fresh start and allow four a newer, better, and stronger foundation to develop. Everyone sleeps better when they have finally taken the steps to plan and invest.
If your retirement planning is not on path and you would like a needs analysis and consultation, we have a knowledgeable team of advisors that can help you achieve your financial goals for retirement.
Are you still struggling to correct past problem credit issues?
We are knowledgeable and have an entire system of services, tools and resources to help you get your credit back on track! Book a strategic credit consultation today. Get Help!
What is the single best piece of financial advice you can give?
7:20 PM
Alexis P. Jones, The Credit DIVA
The single best piece of advice is to diversify, diversify, diversify. Investors should firstly diversify by asset class. We use eight asset classes in client portfolios: cash, domestic fixed income, international fixed income, property, defensive ... #personalgrowthandmoney
Millennials challenged by funding modern retirement
2:51 PM
Alexis P. Jones, The Credit DIVA
Indeed, financial advisors see more young adults - compared to previous generations at their age - making their personal and social life a high priority instead of focusing solely on work, buying a house and raising a family. #personalgrowthandmoney
The Difference Between a Debt's “Statute of Limitations” and Your Credit History
10:32 PM
Alexis P. Jones, The Credit DIVA
The Difference Between a Debt's “Statute of Limitations” and Your Credit History
You have to be careful with debt collectors because dealing with them can affect your finances in some unexpected ways. For instance, agreeing to repay a debt can restart your debt's “statute of limitations. #confusionaboutcredit
5 Tips to Rebuild from Bankruptcy
10:15 PM
Alexis P. Jones, The Credit DIVA
Bankruptcy has become one of the most used legal decisions to financially recover for many families. The stress, anguish, embarassment and the out of control feeling that comes with the process doesn't make the situation any easier to bear especially when an employer is involved in some way.
The court system is daunting because of the paperwork, the filings, the record keeping and all the while you may began to wonder, "what do I do now?" The entire process must be handled with care and great detail all the while, your hoping to not have to give up everything to the court system.
Rebuilding your credit file should begin right after the bankruptcy is discharged. The longer you wait, the more time you must commit to restoring your credit worthiness. By federal law, a bankruptcy can remain on your credit reports for up to 10 years. It does not have to and you can began building using these 5 Tips to Start Rebuilding Your Credit.
1. Open a new bank account with a credit union preferably.
The reason for this, is because anything old from your bankruptcy attached to an existing bank account will not benefit you. Additionally, you want to start fresh.
The court system is daunting because of the paperwork, the filings, the record keeping and all the while you may began to wonder, "what do I do now?" The entire process must be handled with care and great detail all the while, your hoping to not have to give up everything to the court system.
Rebuilding your credit file should begin right after the bankruptcy is discharged. The longer you wait, the more time you must commit to restoring your credit worthiness. By federal law, a bankruptcy can remain on your credit reports for up to 10 years. It does not have to and you can began building using these 5 Tips to Start Rebuilding Your Credit.
1. Open a new bank account with a credit union preferably.
The reason for this, is because anything old from your bankruptcy attached to an existing bank account will not benefit you. Additionally, you want to start fresh.
2. Open a credit monitoring account to keep a close eye on your credit reports and scores. This service we have found offers some of the greatest protection for credit files as well as personal identifying information. All 3 credit reports from the big 3 credit bureaus included with the scores.
3. Check out your credit reports, examine where you are and if your scores are still too low and the old derogatory accounts is still reporting, you need Credit Clean-up. Acquiring new credit will be challenging if there is not enough positive credit history to start fresh. A true fresh start means, cleaning up the old and building new clean credit.
4. 35% of your credit scores are based on positive payment history, therefore whatever you open that requires a credit check, i.e. Cellular phone service, utilities; will reflect on your credit reports and you must start off your new credit life with on-time payments. To begin rebuilding, open a jewelry account where you can get instant credit. This is a small but crucial step to help you began building new accounts that will help boost your credit. SUPER CREDIT TIP: Add credit boosting accounts, download our FREE REPORT
5. Establish alerts for your new bank account. The purpose of this is to maintain absolute 100% order in when, how, why, what is attached to transactions flowing through your new account. This will go a long way in rebuilding your credit. It's pretty tough to move forward with strong credit files and scores when there are banking issues arising.
SUPER CREDIT TIP: MINT is a smarter way to maintain control of your money, consider this as an easy way to stay on task
Looking for a competent, knowledgeable and professional credit professional? We are long-time advocates and educators of credit repair and restoration. We have a full-service suite of credit repair and rebuilding resources. Get help from industry insiders today! Book a consultation either via the web or by phone. Get credit help! or 888-503-3382.
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