“Be Fearless Dare To Be(greatest motivational ever!)”

“Dare to Be

When a new day begins, dare to smile gratefully.

When there is darkness, dare to be the first to shine a light.

When there is injustice, dare to be the first to condemn it.

When something seems difficult, dare to do it anyway.

When life seems to beat you down, dare to fight back.

When there seems to be no hope, dare to find some.

When you’re feeling tired, dare to keep going.

When times are tough, dare to be tougher.

When love hurts you, dare to love again.

When someone is hurting, dare to help them heal.

When another is lost, dare to help them find the way.

When a friend falls, dare to be the first to extend a hand.

When you cross paths with another, dare to make them smile.

When you feel great, dare to help someone else feel great too.

When the day has ended, dare to feel as you’ve done your best.

Dare to be the best you can –

At all times, Dare to be!”
― Steve Maraboli, Life, the Truth, and Being Free

“Worth Reading/Watching – Don’t Let Fear Kill Your Dreams”

Don’t make the fatal error of trying to get rid of fear as that could take a lifetime. The people who go furthest are those who can embrace the most fear, the most pressure and the most pain, while continuing to trudge towards their goals.

Whenever you feel fearful, remember that fear is the enemy, robbing you from having the best life possible.

These are common fears that hold aspiring entrepreneurs back. If you feel any of these emotions, don’t let it stop you; use these emotions to motivate you. Do not let them be a master to you.

Make a clear decision to move towards the fear.

Fear of working on a project that might fail

Fear of if I speak my mind people may dislike me

Fear of feeling embarrassed

Fear of not being worthy of extreme success

Fear of not knowing what to do next

Fear of borrowing money and not being able to pay it back

At the end of the day, you have to decide to do what you set out to do. You must give it 100% or nothing at all. Half measures do not count for anything in the world of business. Be all in, or all out.

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“Steps To Improve Your Credit Score”

Take These Steps to Improve Your Credit Score

A credit score reflects credit payment patterns over time, with more emphasis on recent information. You can check your credit report to read a summary of what goes into your credit score.
Pay your bills on time. Delinquent payments and collections can have a major negative impact on a credit score.

Keep balances low on credit cards and other “revolving credit.” High outstanding debt can affect a credit score.

Apply for and open new credit accounts only as needed. Don’t open accounts just to have a better credit mix. It probably won’t improve your credit score.

Pay off debt rather than moving it around. Also, don’t close unused cards as a short-term strategy to improve your credit score. Owing the same amount but having fewer open accounts may lower your credit score.

Protect your credit information from fraud and identity theft

Pay Your Bills on Time (and other important tips)

Paying your bills on time is the most important contributor to a good credit score. Even if the debt you owe is a small amount, it is crucial that you make payments on time. In addition, you should:

Minimize outstanding debt
Avoid overextending yourself
Refrain from applying for credit needlessly

Applications for credit show up as inquiries on your credit report, indicating to lenders that you may be taking on new debt. It may be to your advantage to use the credit you already have to prove your ongoing ability to manage credit responsibly.

It Takes Time to Improve Credit Scores

If you have negative information on your credit report, such as late payments, a public record item (e.g., bankruptcy) or too many inquiries, you may want to pay your bills and wait. Time is your ally in improving your credit scores. There is no quick fix for bad credit scores.

How Changes Affect Scores

One common question involves understanding how very specific actions will affect a credit score. For example, will closing two of your revolving accounts improve your credit score? While this question may appear to be easy to answer, there are many factors to consider.
Credit scores are based entirely on the information found on an individual’s credit report.
Any change to the credit report could affect the individual’s credit score.

Simply closing two accounts not only lowers the number of open revolving accounts (which generally will improve credit scores), but it also decreases the total amount of available credit. That results in a higher utilization rate, also called the balance-to-limit ratio (which generally lowers scores).

One change actually affects many items on the credit report. It is impossible to provide a completely accurate assessment of how one specific action will affect a person’s credit score. This is why the credit risk factors provided with your score are important. They identify what elements from your credit history are having the greatest impact so that you can take appropriate action.

How Long Does It Take to Rebuild a Credit Score?

Actually, you don’t rebuild the credit score. You rebuild your credit history, which then is reflected by your credit score. The length of time to rebuild your credit history after a negative change depends on the reasons behind the change.

Most negative changes in credit scores are due to the addition of a negative element to your credit report, such as a delinquency or collection account. These new elements will continue to affect your credit scores until they reach a certain age.

Delinquencies remain on your credit report for seven years.
Most public record items remain on your credit report for seven years, although some bankruptcies may remain for 10 years and unpaid tax liens remain for 15 years.
Inquiries remain on your report for two years.