Category Archives: Financial

Credit

Let’s be honest here. Having great credit is very important in today’s day and age. If you fail to optimize your credit, you may not get approved for certain loans that you need. This is why it is important to build your credit early on. If you have already obtained a bad credit score due to bad habits, it can be fixed over time. The bad news is it may take a while. This article will be useful for everyone looking to become more knowledgeable about credit. In this article, I am going to be breaking down the top way on how you can have a great credit score in the future.

  1. Pay off all debt

If you have a current credit score that isn’t the best, it is most likely a result of bad financial habits. One of these habits might be not paying your debt in time. When you skip payments or make the minimum payment on your card, you begin to rack up debt. This debt becomes more and more as the interest begins to grow and it begins to compound. If you are looking to pay off your debt, I would highly recommend reducing consumption and overall consumer spending. Put this extra money towards paying off your debt. Over time, your credit score will begin to get better. As for paying off your debt, I would recommend using the method called the “debt avalanche”. This method is where you pay off the debt with the highest interest rate first.

  1. If you can’t pay cash, you can’t afford it.

If you are putting things on credit that you otherwise couldn’t afford, you are digging yourself into a bigger hole. As a beginner with credit, only charge smaller expenses to your credit cards like gas and grocery bills. This way, you won’t go into debt.

If I was to choose one credit company to go with, it would have to be GreenSky Credit. GreenSky Credit has over 12,000 active merchants. GreenSky Credit also uses state of the art technology to enhance the user’s experience. All in all, GreenSky Credit provides some of the best loans out there.

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Richard Blair’s Mind for Financial Growth

Wealth Solutions is a totally, independent wealth and retirement management company, spearheaded in 1994 by Richard Blair. This allows the company to use their knowledge to invest according to their own financial forecasting. His innate knowledge in finances have become a great source for those who need, or require information regarding such. Wealth Solutions is a Registered Investment Advisory firm, with its’ headquarters in Austin, Texas, where the company primary conducts business.

Richard received his education at the University of Houston, and received a BA in Finances and Finance Management. He also was certified as a Retirement Income Certified Professional, and is a certified specialist in seven (7) different aspects of financial, investing and retirement growth keeping up with updated information regarding taxes, estate, retirement and financial laws.

He maps out his strategy in three tiers that are aimed to grow, save, and solidify their client financial future, which has made his company, Wealth Solutions very successful, offering Wealth Management, Financial and Retirement Planning. These strategies are guidelines to product financial stability and growth for individuals, families and small businesses.

His first tier focuses on creating a personal recommendation to follow for his client’s individual needs, according to their financial stage, and desired end results.

The second tier starts the long-term planning stages to facilitate his clients’ financial growth and healthy financial outcome, with little risk to their investments. This allows Richard and his clients, together, move along with each change within their personal, future, and financial forecast.

Richard’s third tier, once growth and clients’ goal strategies are put in place, and each are advancing positively, he focuses on needed insurance for his client.

Wealth Solutions aids and guides its’ clients with their retirement planning, by preparing them financially through their investments, assets, and finances before, and after it needed. Also, social security benefits are scrutinized to yield the maximum income amount for their retirement years, and they are involved in clients’ estate management when needed. Another financial complication for their clients are their tax-deferred, 401K savings plan. Again, they are guided by Wealth Solutions Advisors who help with solutions regarding their selection of financial entities.

Wealth Solutions aids in saving money when taxes are involved in investments, savings, and financial growth, and with transfer of accounts, maneuvering them to where, when, and how they need to advance growth..

Wealth Solution holds classes to education they clients the ins and outs of financial errors that stop them from growing and saving financially. Learn more: https://www.crunchbase.com/person/richard-blair