Entrepreneurs are independent by nature, but even the most self-sufficient among them can’t do it all on their own.
From the woman who keeps your hair looking awesome to the guy who takes your dog for a walk, there are plenty of people who deserve extra thanks for the holidays.
The guidelines below are a starting point for whom and how much you should tip, though the precise amount depends heavily on your relationship with the person, the quality of their work, the frequency with which you use their services, and most of all, your budget. (READ ARTICLE)
Some things never change when it comes to what annoys people about credit scores. While consumers’ understanding of credit scores has evolved over the years, within that always-increasing level of understanding there remain some parts of credit scoring, such as inquiries, that people just don’t seem to get. They get the idea of late payments and maxed out credit cards predicting risk. But inquiries?
A credit inquiry is a notation that goes on your credit report every time your credit report is accessed by anyone with a “permissible purpose,” as defined by the Fair Credit Reporting Act. Inquiries remain on a credit report for two years, and generally fall into two categories: hard and soft inquiries. Only hard inquiries from within the past year can impact credit scores. Older hard inquiries and soft inquiries are ignored by the scores entirely.
The typical hard inquiry is triggered when a lender accesses a consumer’s credit report and score as part of the credit application process. Hard inquiries can also result from collection agencies using credit reports in their skip tracing efforts. (READ ARTICLE)