Now you know where your credit score comes from, it will be easier for you to maintain a good score by following the rules to enhance your scoring:-
1. Check your credit score annually
Check out your credit score even if you are not looking at getting a loan. Not understanding and [...]

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“Credit Scoring” is your personal financial background computed by each country’s credit score organisations: some government link, some private to identify the level of your credit risk based on the following categories:
1. Payment History (35%)
The lender will usually look at whether you have paid your credit accounts [...]

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The health of your credit becomes a very important factor in your personal finances. Bad debts, late payment, non payment of monthly instalment etc. comes into play as far as your credit score is concerned.

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In America, the use of credit scores is not only concentrating on financing, it is now expanding to other industries like insurance etc. In Malaysia and other developing countries, credit scores are still a mystery among lay people. Do you know how your application for housing or car loan is being processed? Did [...]

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While you are getting out of debt, you should stay out of further debt. It is very important that you must exercise your self-discipline. If you were in debt before and if you are still in debt, it does show that you have very weak discipline……discipline in managing your money.

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Are your still struggling with that – getting out of debt?
If you are in your 20s and if you have been following this blog and reading about how to invest, put your money into earning more money and you will probably get very fired up. Yes, I can relate to that because [...]

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Part II deals with Secret # 5, 6, 7 and 8 which completes the 8 Secrets of Wealth Creation.
5 LOVE YOUR JOB
If you have to work to earn a living, find a job that you love and enjoy. “When you start doing what you really love to do, you’ll never work another day in your [...]

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1 ADD VALUE
If you have invested in a business and in order for you to make your products or services more valuable, you have to work harder, work smarter, work longer. This is to ensure that your business will start creating wealth for you faster. You should also look at leveraging on human resources, [...]

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Similar to “Dollar Cost Averaging”, “Value Averaging” is also investing on a regular basis; weekly or monthly. The only difference is you do not invest the same amount monthly. “Value Averaging” means you are value investing. You invest more money when the market is down; the fund price is down, and you invest [...]

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Dollar Cost Average is the purchasing of a fixed dollar amount of a particular investment or fund on a regular basis, regardless of the fund price.
You have to buy an initial amount of around $1,000; varies in different countries and depending on the fund house you are investing in. After the initial investment, [...]

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