Easy Ways to Build Up Your Credit Without Much Risk

When it comes to things that are important to having a life that is financially secure, good credit is one of the absolute essentials. Without good credit, you won’t be able to buy a car, a house, or even rent a car. With bad credit, you could end up having to pay a ton more money in higher interest fees for a variety of things throughout your life. It’s not easy to get by when your credit is wrecked! That’s why you need to take action before it ever even gets to that point. You need to be building up your credit now so that you can take advantage of the benefits later on.

How are you going to do that, though? You don’t want to rack up a ton of debt and put yourself in the poor house. That’s the opposite of what your goal is! Don’t worry, though. It’s actually quite a simple matter to build up your credit without much risk. It doesn’t need to be a high stress procedure! In the article below, you’ll find a quick guide to getting your credit score to the best possible place as easily as possible. Let’s take a look.

Pay Your Bills On Time Through Credit

Remember To Pay On Time
Remember To Pay On Time
One of the best and easiest ways that you can build up your credit is to use a card to pay your bills. Not all of your bills can be paid with a credit card, but many of them can be. As long as you turn around and pay those right off, it’ll be just like paying normally. The only difference is that you’ll be building up great credit in the process!

Select a Rewards Card for Everyday Purchases

There are a ton of credit cards that offer cash back or rewards points whenever you buy things such as gas or groceries. This is a great way to earn rewards and build credit while spending money you would have otherwise been spending. Since you need to buy groceries every week anyway, you can just slap them on your credit card and then pay it off. Again just like with your bills, you’ll be earning credit without taking any risks. As a bonus, you could end up racking up some serious airline miles with your card! Have a fun vacation!

Never Spend More Than You Actually Have

Don't Over Indulge
Don’t Over Indulge
Keep in mind that you should never actually utilize your full credit line unless you have that much money. You should also be ready to part with that much money! If you spend more than you have with credit, that’s going to end up hurting you in the long run. Don’t abuse your credit card by racking up huge debts. The whole point is to use your card safely to make a bigger purchase later go more smoothly. It won’t go at all if you screw it up right from the very start!

Pay Off Your Balance Every Month

No matter what, you should always be paying off your balance as soon as possible. Never let it roll over from month to month, because then you’re going to get charged interest. That would mean a ton of money that you’re just lighting on fire! Do you really want to have to service a debt for years and years? Of course not. The better plan is to simply pay off your balance as soon as you are able. That will built up your credit score in the eyes of banks while keeping you on solid financial ground. Follow these guidelines closely and you won’t have any issues at all.

3 Tips for Saving Money on Your Income Tax That Are Totally Legal

Costs are constantly rising in all areas of life. This includes everything from grocery bills to housing prices. Although your income increases may not match the rising cost of living, there are ways to make sure that you maximize all the possible deductions at the end of the tax year to which you’re entitled. Some law-abiding tax payers take the most obvious deductions, but you shouldn’t miss out on the ones to which you’re legally entitled. You don’t have to pull the wool over the eyes of Uncle Sam to take all the deductions that you’ve been missing. Here are three tips to claim back certain types of income at the end of the tax year.

Deducting a Home Office for Freelancers

Freelancers Can Deduct A Home Office Legally
Freelancers Can Deduct A Home Office Legally
When you’re a freelancer, you can always deduct a home office if you have one. Be careful with this deduction, though, and make sure that you have a home office that legitimately meets all the IRS requirements. They’re very particular about what constitutes a tax deductible office, including use of the room and square footage. If you get audited, this can be a messy thing to explain if you fudged your tax return. On the other hand, if you have a discrete room in your home that you use solely for your work, don’t be afraid to take this deduction. It was made for people like you. You can save a lot of money on your taxes as a freelancer in other ways, but the home office is a big one.

Max out Your FSA or HRA Benefits

One of the best and most useful ways to lower your tax bracket is to max our your FSA or HRA benefits for healthcare. There’s a cap on how much you can contribute to this fund, but it’s pre-tax, so it lowers your gross income. The difference, though, between funneling money away into a distant fund such as a retirement plan, is that you see the results of this money directly. If you have medical expenses during the year, the FSA or HRA will ensure that you don’t get stuck with a massive bill. A good rule of thumb is to deduct the amount from your paycheck that covers your deductible, if you have one. Therefore, you can use your FSA or HRA to pay the deductible, and then often your insurance provider will cover any other fees. It’s like a safety blanket for your health, and can come in handy. You can also use it for other things, like non-routine procedures or out of network doctors. Be careful, though, because there are also lots of things that aren’t covered by FSA or HRA funds. You can find all of this information on the IRS website, though. Always double check to see eligibility. At the same time, you should also contact your insurance provider to understand fully what is covered after your deductible is met.

Max out Your Retirement Plan Contribution

Although it will cut into your take home pay, maxing out your retirement plan contribution is a great way to lower your tax bracket. Be careful that your retirement plan is pre-tax and deductible, though. The other upside of maxing out your retirement plan contribution is the fact that, many times, your company will match your contribution to a certain point. Check in with your human resources department to find out how much you could potentially be saving for your future.

How to Write a Good Job Posting

Having a vacancy in your company is something no one ever likes to deal with. Whether it’s a low level employee or a high level manager, a vacancy means taking time you could be using to work and instead spending it on crafting an ad and searching for a candidate. Working to find the best person to fill the position is like a job all on its own. However, if you know what you’re doing, you can make the whole process a lot less painful and frustrating. All you need to do is start with a good job posting, and all of the other pieces will fall into place on their own.

Write An Attractive And Fun Job Posting
Write An Attractive And Fun Job Posting
Don’t just think you can slap together any old posting and get by with it. If you write a garbage ad, then you are going to get garbage applicants. Write a great ad, though, and you could find the candidate that’s just right for the job and your company. Below, you’ll get a crash course in how to write the most effective job ads possible. Take it to heart and memorize this process, and you won’t sweat it anymore when it’s time to search for a new employee.

Give As Much Info About the Job as Possible

The biggest problem that most job ads suffer from is the fact that they are very sparse on real details for the job. You should strive to be different than that. When you sit down to craft your job posting, take care to put in as much info as you can about the job in general. List the starting pay, the duties a person can be expected to be perform, and the kind of hours and availability you are looking for. This gives possible applicants everything they need to know about your business to decide if they want to apply. The quality of your applicants should go way up once you start writing ads with this strategy in mind.

Make Yourself Readily Available for Contact

Another big problem that befalls many employers trying to post their jobs online is that they don’t make themselves available enough. Don’t rely on the email relay system built into websites like Craigslist. Instead, go out of your way to make yourself seem very available to people who want the job. Include a purpose built email address or even your own phone number. This lets people know that the ad you’re writing is actually legit. It also makes it much easier to get in touch with all potential applicants.

Never Use a Template For Your Ad

When you have a lot of different ads to put up for a variety of openings, you might not want to take the time to write out all of those ads. In your efforts to speed up the ad creation process, you might start using a template to make your ads. That way, you just fill in the right information and then post it. Don’t do that! This makes your ads look fake, or like spam. People won’t even respond to your listings if they all look the same. They’ll think you aren’t reputable at all! Take the time to hand craft your ads, despite the time it takes.

Post Your Ad Far and Wide on the Web

Now that you’ve built up the best job posting you can, it’s time to post it in as many different places as possible. Don’t just stick your ad up on Craigslist and call it a day. You’ll want to hit up other sites like Monster and Career Builder as well. That will ensure that all of the most qualified applicants will see your ad. If you want the most replies to your listing as you can get, this is the way you’re going to do it. Get it posted up, and then sit back and wait for the replies to start rolling in for your opening!

How to Create a Diverse Workplace

Creating a diverse workplace in your company is one surefire way to make sure that company grievances remain low or don’t happen at al. In far too many companies, there seems to be a huge imbalance between who manages employees and whom employees manage. This can lead to several different issues within the company that could possibly be avoided if more companies were willing to be more diverse in their hiring, as well as how the company is ran.

Be Open-Minded and Create Job Advertisements that Appeal to Different People

One easy way to create a diverse workplace is to first create job advertisements that appeal to different types of people. Many times a potential candidate will avoid applying to your position altogether if they feel that the job is only meant for certain types of people. If your company has had a faith base affiliation in the past, but no longer holds it to same high standards as it did previously, you should make sure that your candidates are aware of this. What this means is that you should avoid focusing on too much of a religion aspect if it has nothing to do with the job description. If you don’t, you may run the risk of several qualified people ignoring the job description altogether because they think that they are required to be extremely religious to work at your company.

A Diverse Workplace Is Beneficial For Your Company
A Diverse Workplace Is Beneficial For Your Company
If you company is non-discriminatory, this is also something that you should mention. Mention how your company does not discriminate because of age, sex, sexual orientation, gender, race, nationality, or anything else that you feel worth mentioning. Again, some candidates will not apply to a job unless the ad specially mentions that they do not discriminate, or mentions that the company is an equal opportunity employer. If you don’t mention these things in your job ad, candidates may feel like your company is one that they should avoid, especially if the candidates are minorities. You may even want to include that certain candidates are encouraged to apply.

Don’t Limit Positions of Authorities to Certain Personality Types

Another thing you want to do to create and increase diversity in the workplace is to give positions of authorities to various personality types. Many companies have the habit of giving manager and supervisory positions to those employees who behave a certain way. Many times these employees can have a pseudo-military style personality with how they want to manage their subordinates. Just because you have an employee who likes to make people laugh doesn’t mean they wouldn’t be a good supervisor.

Allowing employees of varying personality types to be in position of authorities can allow you to look at situations from different angles. Not only that, when you allow for varying personalities to be in a position of authority, you also welcome a more diverse group of managers and supervisors. The last thing you want is every person in authority to be and look the same. It will not give your company the impression that you should want it to have. Also do not feel like all of your positions of authority have to be held by older individuals. Younger people are also capable of management and supervising. It is important to hire the best person or the job, not necessarily the eldest person.

A diverse workplace is important to just about every company. They can help your company prevent lawsuits, and they can also help to ensure that you get the most out of each and every one of your workers. Don’t be afraid to allow your company to become diverse. When your company is diverse, it allows you to see things from various points of view. When you are able to do that, it can open your eyes to a world of different possibilities within your company. It can also lead to a harmonious place of business.

4 Foods That Aren’t as Healthy as You Think

Everyone wants to eat “right”. Unfortunately, what “right” is can change day by day. If you’re looking to fill up on good, healthy foods that are going to make you feel like a champion and improve your performance at the gym you need to be on top of your diet. You can’t outrun your knife and fork, as the saying goes. Unfortunately, even people who are trying to be healthy in their eating habits can get suckered into making the wrong choices. If you’ve been chowing down on any of these four foods, back up and try again.


Oatmeal Is Not As Healthy As You Think
Oatmeal Is Not As Healthy As You Think
People love to eat oatmeal, and it’s supposed to be a favorite of young and old alike. However, if you’re the type to enjoy the flavored oatmeal, ranging from maple and brown sugar all the way to peaches and cream, there’s some bad news for you: the sweeteners and things that you load up on as part of the oatmeal experience could be wrecking this healthy breakfast for you. Plain oatmeal isn’t terrible for you, but there are other ways for you to get the carbs that come from this common breakfast in a package that doesn’t invite over sweetness and a blood sugar crash to start your day.


Yogurt is believed by many to be the best thing you can keep your guts. After all, the bacteria in the yogurt go to work cleaning out your instines and making sure that everything functions smoothly together. Unfortunately, yogurt always falls into the trap of being sweetened to death when it’s made commercially. There are so many ways to use a good, plain, unsweetened yogurt that people don’t really know about because they don’t really know about other kinds of yogurt.

Cottage Cheese

This lumpy kind of cheese is the obvious diet food, but these chopped up curds shouldn’t be making their way onto your plate just yet. Before you put that bite in your mouth you should read up on the process by which whey is bleached, processed, and repackaged to be sold off to you one bite at a time. Cottage cheese is a poor substitute for any kind of dipping sauce, and there’s not much that you can do to cook with it in order to make it palatable. This is a food that, while low in calories, is also low in nutritional value. There are a lot of other things that you could do to get that same boost of calcium and good fats from the dairy.


Avocados Contain A Lot of Fat
Avocados Contain A Lot of Fat
Did you know that the avocado is the only fruit that contains fat? This is true, and while the avocado has a host of health benefits it alone has been contributing to weight gain in the subset of people who are lucky enough to have an avocado free on their property. These delicious fruits are deceitfully. Typically, it’s rude to return something that you’ve already been given to eat, but when possible you should let people know that you’re not.