你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
Credit Score Ranges: What Do They Mean?
By Sarita Harbour
Updated Sep 11, 2020
Calculated with a formula based on variables including payment history, the number of accounts, and the amounts owed, your credit score may affect the interest rate you pay to a lender and even make the difference between a loan being approved or declined. Here are a few credit score basics and what various ranges of credit scores mean for your borrowing future.
KEY TAKEAWAYS
Credit scores are computed using a formula that considers factors like payment history, overall debt levels, and the number of credit accounts the individual has open.
Scores can determine the interest paid on loans, and also be a deciding factor on whether a request for credit is approved or declined.
A score between 750 and 850 suggests the individual has been consistently responsible, while scores between 700 to 750 are considered above average.
Individuals with low credit scores, below 600, can take steps like making payments on time, cutting down debt levels, and maintaining a zero balance on unused credit accounts.
If you have not yet established credit, you might want to talk to lenders about requirements for opening accounts and then establish a positive payment history.
Credit Score Basics
Your credit score is a number that represents the risk a lender takes when you borrow money. A FICO score is a well-known measure created by the Fair Isaac Corporation and used by credit agencies to indicate a borrower’s risk. Another credit score is the VantageScore, which was developed via a partnership between three credit reporting agencies: Equifax, Transunion, and Experian.
Your credit score calculation represents your credit risk at a moment in time, based on information found on your credit report. Both FICO and VantageScore range from 300 to 850, although the way each parses its scores into different classifications vary. However, in both cases, the higher the credit score, the lower the risk to the lender. FICO scores will be used for the purposes of this article.
Exceptional Credit Score: 800 to 850
Consumers with a credit score in the range of 720 to 850 are considered consistently responsible when it comes to managing their borrowing and are prime candidates to qualify for the lowest interest rates. However, the best scores are in the range of 800 to 850. People with this score have a long history of no late payments, as well as low balances on credit cards. Consumers with excellent credit scores may receive lower interest rates on mortgages, credit cards, loans, and credit lines because they are deemed to be at low risk for defaulting on their agreements. Having an excellent credit score is particularly useful for qualifying for a personal loan, as it typically more than makes up for a lack of collateral.
Very Good Credit Score: 740 to 799
A credit score between 740 and 799 indicates a consumer is generally financially responsible when it comes to money and credit management. Most of their payments, including loans, credit cards, utilities, and rental payments, are made on time. Credit card balances are relatively low compared to their credit account limits.
Good Credit Score: 670 to 739
Having a credit score between 670 and 739 places a borrower near or slightly above the average of U.S. consumers, as the national average FICO score is 704 as of Sept. 2018. While they may still earn competitive interest rates, they are unlikely to command the ideal rates of those in the two higher categories, and it may be harder for them to qualify for some types of credit. For instance, if a borrower is looking for an unsecured loan with this score, it's vital that they shop around in order to find the options that best suit their needs with the fewest drawbacks.
Fair Credit Score: 580 to 669
Borrowers with credit scores ranging from 580 to 669 are thought to be in the “fair” or “average” category. They may have some dings on their credit history, but there are no major delinquencies. They are still likely to be extended credit by lenders but not at very competitive rates. Even if their options are limited, borrows in need of financing can still find solid options for personal loans.
Poor Credit Score: Under 580
An individual with a score between 300 and 579 has a significantly damaged credit history. This may be the result of multiple defaults on different credit products from several different lenders. However, a poor score may also be the result of a bankruptcy, which will remain on a credit record for up to 10 years. Borrowers with credit scores that fall in this range have a very little chance of obtaining new credit. If your score falls in this range, talk to a financial professional about steps to take to repair your credit. Additionally, so long as you can afford to pay a monthly fee, one of the best credit repair companies may be able to get the negative marks on your credit score removed for you. If you attempt to obtain an unsecured loan with this score, be sure to compare every lender you're considering in order to determine the least risky options.
Doing things like paying down debt, making timely payments, and maintaining a zero balance on credit accounts can help improve your score over time.
No Credit
Everyone has to start somewhere. If you have a very low credit score (say, under 350) chances are you haven’t yet established any accounts and don’t have a credit history. Talk to your local lender about its borrowing requirements. When you’re approved for your first loan or credit card, set up a responsible repayment pattern immediately to establish a good credit record.
The Bottom Line
Your credit score is based on a variety of factors and can be used to determine whether you will qualify to borrow money as well as the terms, including the interest rate of the loan. Consistently paying your bills on time and in full will help prevent damage to your credit score in the future.
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫