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With unpredictable shifts in the stock market this year, it’s a good time for investors to seek out dividends stocks—the distributions of cash many companies pay shareholders on a quarterly basis.
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Managing Credit: Understanding Your Utilization Ratio
Creditors use a calculation called a credit utilization ratio, which makes up 30% of your FICO score. Next to your payment history (which makes up 35%), it has the second-largest impact on your credit score. A credit utilization ratio measures how much credit you’re using compared to how much you have available. Your credit score decreases as your balance increases in relation to your total available credit. The more unused credit you have, the better your score because it shows creditors that you’re responsible. This makes you a better credit risk. It's best to utilize no more than 10% to 30% of your available credit.
Style Biz: How to Leverage Hair Shows Into Dollars
Entrepreneur and celebrity stylist Janel Smith offers these tips on how to make the most of hair shows to boost your bottom line.
Maxine Waters Vows to Fight Ethics Charges
Rep. Maxine Waters (D-California) vigorously defended herself at a Friday morning press conference with reporters where she addressed charges that she has violated House ethics rules. The charges stem from a 2008 meeting that Waters arranged between Treasury Department officials and the National Bankers Association, a trade group that represents minority banks.
Green Insider: 7 Things to Look For In An Eco-friendly Printer
Going paperless is the best way to go green, but if you absolutely have to purchase a printer, make sure it has several of these features.