How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

The American Jobs Act, Unemployment Discrimination and Employment Brand

Online recruiting organizations: Are you ready to stop hiding from candidates? You should be. Your brand depends on it.

With The American Job Act currently before Congress, employers would be subject to EEOC discrimination claims if they fail to hire an unemployed candidate based on the fact that they are not currently employed. The notion was hatched as a backlash against the perception that employers do not want to hire unemployed workers.

That’s a specific law with a specific target, but if you peel the layers back, it’s the first salvo fired out of frustration from a country full of candidates that are tired of being treated badly by the people, systems and processes that have grown up around recruiting in the last 10 years.

I get it. Recruiting organizations are under siege by way too many qualified candidates for the positions they have. More importantly, they’re under siege by way too many completely UNqualified candidates.

While not considering candidates that are unemployed may cut your candidate pool down to a manageable size, it’s not smart from a branding standpoint. Unless your employment brand is cold and cutthroat, you should embrace all candidates. You should treat them with respect and you should engage as many of them as possible.

Everyone wants a fair shot. That’s just part of being human. And when sweeping generalizations like “we don’t consider unemployed candidates” take hold, or faceless applicant tracking systems process bits and bytes and spit out rejection emails (often delayed to appear like the candidate was considered by a human), then the appearance of a fair shot disappears.

Candidates are customers. Candidates are voters. Candidates are individuals capable of expressing their frustration to large numbers of other individuals through social networking.

Here is and actual tweet I came across the day after writing this article: “@jimcramer FYI you herd it here first, Taleo is keeping the unemployed… unemployed.”

Obviously, not everyone is qualified. And every recruiter has tales of resume spammers and unqualified, unprepared candidates sucking their time. But the fact is, if you appear not to care about candidates, then your brand suffers. And now with an entire nation who is totally focused on getting people placed in jobs, delivering bad candidate experiences is asking for more Federal regulations governing how you interact with candidates.

There is a quietly growing awareness in the industry that candidate satisfaction matters. There is a faint notion growing that engaging candidates and trying to ensure that they are communicated with and treated with respect and reverence, will actually result in a more effective recruiting process.

There are tools available that allow organizations to engage candidates and solicit feedback throughout the recruiting process. Companies can now listen to how candidates feel about their recruiting process from beginning to end, track satisfaction and fine tune practices to make them as effective as possible.They sit on top of a company’s career site pages and asks candidates what they think, in real time and with appropriately times follow up surveys.

Without fail, candidates regularly comment “Thank you for asking my opinion.” So when I say treating candidates with respect helps your employment brand, I speak from experience. Your “Best Place to Work” badge is fine, but it just lays there. Asking a candidate what they think about how they’ve been treated? That shifts the earth a little bit and provides evidence that you have a great place to work.

Plus it provides a goldmine of ideas about how to better interact with candidates, tweak your career site and make your online recruiting efforts more effective for passive candidates. The one’s who already have jobs. The one’s you were targeting that got the White House involved in messing with your business in the first place.

How Closing Accounts Can Kill Your Credit Score

One of the major factors of how your credit score is calculated is your capacity. This is the ratio of credit used to the amount of credit that is available. This accounts for 30 percent (almost a third!) of your credit score. For example if you have 5 credit cards with a $1000 limit and you have 3 of them maxed out and 2 of them inactive your capacity would be at 60 percent, $3000 of your $5000 total credit limit. This is not good in the eyes of the lenders and your credit score would suffer because its ideal to be at 10 percent of your capacity.

Remember a credit score is a formula measuring your ability to pay back your debts and obligations. If you have a high capacity and little room left for your maximum then your ability to pay back your obligations is viewed as more limited.

So in the example above, lets say you decide to close the 2 inactive cards for whatever reason. Nowadays, the credit card companies will charge a fee to inactive cards so a lot of people are now closing their inactive accounts. Well unfortunately, they are killing their credit score. If you are maxed out on three cards and you close the other 2, guess what, you are now at 100 percent capacity because your total credit limit is now $3000 instead of $5000. I know from personal experience this will cause your credit score to plummet.

My advice? Don’t close your inactive cards. Use them once a month, maybe for gas, or treat yourself to a latte from Starbucks. Then pay them off immediately so you don’t incur any interest. Do what you can to pay off the cards that are maxed out, or at least get them down to where your balance is under 10 percent of the limit. If you can, try to transfer the balance to a lower interest card, so it can save you a few bucks on the interest. This strategy is sure to improve your credit score because capacity is a major factor, and if your capacity improves, your score improves.

Asking your bank for a credit limit increase on some of your cards isn’t suggested nowadays, this is a strategy that old credit repair people recommended but in today’s economy with the credit crunch, it prompts an account review, which for some quirky reason, may cause the banks to LOWER your credit limit. This would damage your capacity as well.

You are already disciplined enough to not spend on two cards. You are unique in today’s credit crunch world, use your discipline to your advantage, don’t close your accounts. You will be doing more harm to your credit score than good.

How to Write a Best Man Wedding Speech Toast

Best Man Wedding Speech

Trust me, many calm and collected people who are great at public speaking, get nervous when they are asked to speak at their friends wedding. As the spokes person for the guests of honor, there are many expectations placed on you. So, how do you write a best man wedding speech?

Well, if you are here, then you have been requested to make the best man wedding speech for the wedding day. This is not just any day, but THE day that these two special people (including all their family and friends) will look back on for years to come. After all, when you have been deemed the Best Man, this wedding speech is even more crucial. This means that you know the groom best, and will toast the newlyweds as well at their wedding.

If that is not enough, you are also one of the main coordinators for the wedding reception. You will help organize the details for the wedding and reception to make sure that everything runs smoothly. You are also expected to look after the groom (make sure his breath smells fresh and that he is not drinking excessively). Also as a host you must ensure that guests are having a good time. This means removing any stress or dealing with people that might interrupt the wedding reception. Lastly, there are other people running around with a list of responsibilities. You need to make sure these people are on top of things while enjoying themselves.

So when are you allowed to you have a good time?

I have a feeling that you are beginning to understand why many best man candidates can not handle the tasks required. I am sure that you are flattered to be given the honor as best man to prepare the best man wedding toast, but many find it hard to juggle the direction under all this stress and responsibility.

How to Write a Best Man Wedding Toast

Writing your wedding speech is not what is time consuming. It is making sure everything blends together. Your best man wedding toast will need a theme and the necessary personal, witty, emotional, and meaningful ideas, jokes, and one-liners that make a wedding speech memorable for all the right reasons.

Even for those that are used to writing and delivering speeches alone, this can still be a challenge – and for those not accustomed to public speech etiquette (more so writing the perfectly balanced wedding speech for the big day), just the thought of standing in front of hundreds of strangers with all the focus on your every word is enough to make anyone’s creative juices come to a grinding halt.

Luckily, there is an easier way in the form of an extremely well written and simple to read book by author Tom Haibeck, professional speech-writer.

This book is considered the Bible of Wedding Toasts in the wedding realm. Regis Philbin referred to this book when toasting his daughters wedding and it will help you too. I have checked it out, and this book lays out you need to know about being an incomparable Best Man. This means more than just how to write and deliver the best man wedding speech, but also gives you insight into possible themes, wedding toasts 101, the correct use of humor, how to eliminate your fear of public speaking, how to hold their attention… all this, as well as TONS of written speeches and wedding speech templates.

Would not you like to get the job done quickly and efficiently?

Get Wedding Speech Samples

The main attraction of this package is, of course, the handwritten exquisitely crafted, witty professional wedding speeches (did I mention that there is are easy to use, step-by-step templates, a checklist, and Tom’s top 10 Do’s and Don’ts).

That is not it, there are also tasteful jokes and famous quotes that will help you personalize your best man wedding toast without sounding insincere. That is the difference between this book and all the other canned speeches that I have seen. This one will not make you look fake. Trust me, as a wedding professional I have heard many terribly delivered toasts and few had the natural well versed touch that the bride and groom deserve.

Best Man Wedding Speeches is it Worth It?

Altogether, this is a pretty impressive package. Toms got all the bases covered here, an intense variety of useful info on every single aspect of being a Best Man, from the speech-writing and delivery itself to handling problematic guests to wedding etiquette.

In short: literally everything you will ever need to pull off your responsibilities as Best Man with style and panache are included here.

But do not just take my word for it, feel free to check it out for yourself (and have a look at a couple of those testimonials while you are there, if they do not convince you, then nothing will!)

The verdict? Two thumbs up for Tom Haibeck’s Best Man Speeches; it really is the Best Mans ultimate resource!