credit score

Three Tips to Increase Your Credit Score

Don’t be cheated that you will succeed to improve your credit score in a single day. It is a regular procedure that you have to commit to taste success within the shortest time possible. Subjecting yourself to this process can seem like a challenging and difficult task, but in the end, you will enjoy the fruits. Presented below are the best tips to increase your credit score fast and edge closer to becoming financially independent.

Pay Off Outstanding Debt

According to calculations, your debt constitutes about a third of your credit score. It’s true that you might not have the cash to settle all the debt that you have in one instance which is okay. The first step that you should take if you intend to become debt free is calculating how much debt you owe. Next, you should find out how much you can afford to repay every month. Afterward, start paying. Just ensure that in the process of clearing your debt you avoid getting into more debt. If you don’t owe people or financial institutions a lot of money, you have an excellent chance of enhancing your credit score and gain the trust of the individuals or institution.

credit score

Set Reminders

Set reminders to help you to improve your credit score significantly. The reminders will help you to make your payments on time to avoid harming your credit score further. If you don’t like the idea of setting reminders, you can automate debt payments so that the moment you receive money in your account the amount that you set towards debt payment is automatically wired to the relevant account. In some cases, banks charge a minimal fee for the service. The automated service gives you the chances to save and invest more. Always make sure that you repay your bills on time because failure to do so can hurt your credit score.

Keep Accounts Open

Another way to improve your credit score is keeping all your accounts active, even the cards that you no longer find useful. An excellent way of keeping the accounts open is authorizing automatic payments to them everytime you earn. This way you will better your credit history and impact positively on your credit score. The most important thing that you should keep in mind is tracking the payments and settling them once. Keeping your cards active will assist you to reduce high credit use, which is a factor considered by lenders. If credit reflects more on your card, you will increase your credit score without much struggle.

In some cases, you will follow all the hints as presented above but your credit score will not change. The secret is exercising patience. You must understand that you won’t manage to improve your credit score in the blink of an eye. It is a slow process. Just be consistent in paying off your debts, make quick payments and maintain all your accounts open. Your credit score will improve with time if you take the measures discussed above and you will be able to land loans with better rates.

More reading: How to Get Finance for Your Business

The Top Benefits Of Live Music

Summer usually arrives with a beehive of activities that people have planned to do. This is the time when many musicians and bands usually set out to kick off their summer tours. This means that you can get to see your favorite music performed live. Most people usually enjoy listening to music, but for the people who have had a chance to attend live performances, they have confessed how thrilling listening to live music is. So, if you have never attended live performances before, here are reasons why you will fall in love with love music.

Live experience

This is the main benefit that live music offers to music lovers unlike listening to recorded music. It is an unmatched way of enjoying your favorite music. This is because you actually get to watch your favorite artist perform that song that is driving you crazy. The feeling that you feel when you are experiencing all that raw energy is unmatched. The ingenious sounds are best listened to in the first person. If your favorite artist loves the energy around him, he might just be generous and perform a couple of his unreleased music to you.

Memories created

Everybody needs a little break to just get away from routines in their lives for a moment. Live music will offer you with an intimate atmosphere that will keep all your senses occupied. You can’t experience such feelings by listening to the music on your radio or watching them on your TV. The memories that you would have created by attending live music concerts will last you for a long time. You will have stories to tell to your friends and family.


Live music concerts give you a chance to travel to other cities where your artist is likely to go to. You can round up a few of your friends and go for a road trip. You can also meet new people at live music concerts. This can be the start of beautiful friendships.

Meeting your idol

Live music concerts give you the chance to meet and greet your favorite artist. It’s mind-boggling to finally get to meet someone you have been listening to for years. You might also get a chance to interact with your favorite artist behind the music and get some insights into his or her personality. You will be thrilled to realize that the artist you always see as non-human is actually a down to earth and a fun loving person.  Check out exo smtown concert if you want to meet the best artist in the world.

The Right Loan For You

At some point, you will have to get a loan. Either from a bank, small finance institutions or even from friends. We all know that a loan should be paid back. There are conditions to payment and payment periods. Before signing the loan papers, there are issues you must understand to make sure that the loan is right for you and that you will be in a position to repay it. This article will be of great help. Please read on,

Right loan


Lenders will give you an option of deciding on payment terms if you have a good credit record. Before you loaned, they must check if you have any other debts and if you are paying for them. With a bad credit history, you will not be given the loan at all. Only take a loan when necessary and make sure that you can raise up the agreed payment plan. You better get longer payment periods with smaller amounts that you will not default. If the loaner is giving you the payment options, make sure to choose that which you can manage. If otherwise, get a loan from somewhere else.


You have to repay a loan with interest. This is the amount paid for being helped out. If you have poor credit records lenders term you as a high-risk customer and your interest goes higher. There are consequences to not paying loans on time. One of them is that the interest will go higher. The longer you take to repay the more you end up paying. Before settling for a specific lender, research around and compare the interest rates. Some charge higher than others.

Simple process

Lenders are willing to loan without so many details. You will only be required to fill in personal data and your credit records. If you have bad records, am sorry you will not get the loan. You might end up paying more but get the loan faster.

How To Raise Capital For A Small Business

A small business will be a nice opportunity to spend your free time or earn you cash if you do not have another source of income. The problem comes in here; you do not have a source of revenue, yet to start a business you must have must have capital. Where do you get the money from? This article will give you valuable tips on how you can raise capital to start a small business.

Sources of small business capital


If you happen to have any savings, this is where you should start. With a good business idea, you can double the savings from business profits. However, you must be very keen investing your savings. Business is a risk. If you make the wrong investment choice, you will end up losing all your money. Even after an investment, you thought good; you can end up losing all your money. Be open minded and expect anything. Positivity should never leave your sites.

Family and friends

Your parents or siblings can get you capital to start your business. Some will do it out of charity while others will give you as a loan. A loan from a family member is the best. They will be linied with you on payment terms. If your business fails, they might ask you not to pay it back. If you have to get a loan consider your family first. Friend’s will be another good source. Some will not believe in what you are about to do, hence not a loan, but do not give up.


This should be last option for a small business. Lenders do not know you. Money from them must be repaid within a certain period and with interest. If by any chance your business fails, they will not understand you. You must own up to your promise. Serious consequences are suffered if you default your payments.