A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history, new credit, and what types of credit you are using. Do you pay your bills on time? Do you have any recent late payments? How many times have you been late? Are your cards maxed out, or have you accrued a large amount of debt? How long have you been making use of credit, and have you managed to establish a good credit history? Are you opening new accounts and borrowing more money? How many times have you recently asked for money? These are the concepts that alter whether or not you will be considered worthy of credit or borrowing.
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A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history, new credit, and what types of credit you are using. Do you pay your bills on time? Do you have any recent late payments? How many times have you been late? Are your cards maxed out, or have you accrued a large amount of debt? How long have you been making use of credit, and have you managed to establish a good credit history? Are you opening new accounts and borrowing more money? How many times have you recently asked for money? These are the concepts that alter whether or not you will be considered worthy of credit or borrowing.
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January 3, 2011
Taxes
Finance,Taxes
For most individuals, April 30th is the deadline to have your income tax return to the CRA. If you owe the CRA money, your payment must also be received by the CRA on April 30th (even if you are self-employed and you file in June!).
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January 2, 2011
Taxes
Finance,Taxes
With the end of the 2010 tax season in sight, time is running out to optimize your 2010 tax deductions. Even if it is too late for you to capitalize on some of these deductions in 2010, it is never too soon to begin planning for 2011 and beyond.
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Easy Energy-Saving Habits (Free!). Don’t forget the basics. This simple stuff will save energy — and money — right now.
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