The Accountability/Alignment Process: Three Steps to an Accountable Organization
The Accountability/Alignment Process: Three Steps to an Accountable Organization Generating genuine accountability and functional alignment into your workplace cannot be left to vague ambitions and abstract statements. Well designed processes must be embedded into the heart of an organization to ensure that each employee’s goals and expectations are clearly defined and that the resources to bring about specific measurable results are in pla

Overcoming Objections When Selling Your Cleaning Service
When talking with prospective customers for your cleaning business, you're bound to have objections. To minimize objections, it helps to know why people raise them in the first place. Here are some of the main reasons for objections:*Your presentation was weak and didn't fully answer their questions*You didn't establish trust or credibility*You didn't establish need*You didn't completely qualify the buyer (you didn't do enough

Active Listening: Improve Your Relationships at Work and in Life Through Proper Listening
1. Leave your own concerns to one side. You can’t focus on somebody else if you are also thinking about your problems, to do list or concerns. This leads onto2. Allow yourself sufficient time. If you have to dash off to a meeting, you will want to go at a quicker pace to suit you, not the person who you are listening to.3. Talk less than you listen. We have two ears and one mouth, so have your communication in the same proportion. movie tickets, the list goes on and on. And on impulse we fall to our knees and sign on the dotted line without thinking about just how much another credit card will affect our families, our credit histories, or our financial futures. Before you sign up for another card, ask yourself what is the rule of thumb for credit cards, just how many credit cards is enough? Do you know? Is there a magical number or is it just a matter of how you manage them? If your answer to all of these questions is I don’t know, read on to find out.

Most Americans carry between five to ten credit cards in their wallets, with the average household owing $12,000 in credit card debt. Considering that the median U.S. household income is only $49,772, that is 24% of the income already committed with out considering mortgages or car loans. This is a bit alarming. Especially considering that future creditors prefer to extend credit to individuals or families with a debt to income ratio of 36% or less if 24% of that 36% is

for another card, ask yourself what is the rule of thumb for credit cards, just how many credit cards is enough? Do you know? Is there a magical number or is it just a matter of how you manage them? If your answer to all of these questions is I don’t know, read on to find out.

Most Americans carry between five to ten credit cards in their wallets, with the average household owing $12,000 in credit card debt. Considering that the median U.S. household income is only $49,772, that is 24% of the income already committed with out considering mortgages or car loans. This is a bit alarming. Especially considering that future creditors prefer to extend credit to individuals or families with a debt to income ratio of 36% or less if 24% of that 36% is

know, read on to find out.

Most Americans carry between five to ten credit cards in their wallets, with the average household owing $12,000 in credit card debt. Considering that the median U.S. household income is only $49,772, that is 24% of the income already committed with out considering mortgages or car loans. This is a bit alarming. Especially considering that future creditors prefer to extend credit to individuals or families with a debt to income ratio of 36% or less if 24% of that 36% is

ncome already committed with out considering mortgages or car loans. This is a bit alarming. Especially considering that future creditors prefer to extend credit to individuals or families with a debt to income ratio of 36% or less if 24% of that 36% is already committed to credit card debt, that doesn’t leave room for much else. So just how many credit cards should you have? Surprisingly there is no magic number; however, two to three credit cards is generally viewed as enough.

While there is no magic number, the single most important thing to remember when you encounter the wonderful world of credit cards is that it’s not the number of credit cards that you have, but your outstanding balance and the number of years that an account has been opened. You should aim for an outstanding balance between 25% to 50% of the available credit on each credit card that you have. Any more than that sends a red flag to potential creditors who see your ability to repay, in the event you are faced with a major financial obstacle, decreasing as your debt increases. Additionally, multiple fairly new accounts are viewed negatively.

Something else to consider is that the fewer number of credit cards you have the easier it is for you to keep track of them.