Preparing ForA Job InterviewHello, Dinks. As you know, a job interview is imperative. If you bomb it, you can miss out on a potentially life-changing job. If you do well, your dream career could start shortly afterward. I’ve had a lot of job interviews over the years. Today, I want to share with you different ways that you can prepare for a job interview.

Research the company

The first thing that you should do is research the company that you are interviewing with. Unfortunately, some people go into interviews blindly. For some reason, they don’t review the basic information about the company beforehand.  Nine times out of ten, the interviewer will ask you what you know about the company. If you’re trying to get a job, the last thing that you want to do is tell them that you don’t know anything. You might as well leave the interview then because they won’t take you seriously. With the internet being so accessible these days you should take some time to search the company and write done some key facts.

Be on time

The next thing that you should do is make sure that you’re on time. If you can’t make it on time for an interview, do you think potential employers will bring you on to work for them? I don’t. Being on time shows people that you are dependable and that you care about the opportunity. A good rule of thumb is to arrive about 10-15 minutes early.

Be prepared

You want to make sure that you are prepared for your job interview. Besides researching the company, you also want to make sure you’re dressed for the part, know exactly where the interview is being held and make sure you’re ready to answer any question that is thrown at you.  Going over potential questions and answers could help you do much better in an interview. The more you practice, the more your interview answers should be able to flow. Practicing can also assist you if you are the type of person who tends to get nervous when talking to people.

Answer questions honestly

The fourth thing that you should do to prepare for an interview is to answer questions honestly. You may want to lie to make yourself appear to be a better candidate, but don’t do it. If you lie about a previous position of job tasks, and it doesn’t sound right, someone will check your references. If your story doesn’t match with what your references tell the interviewer, you won’t get the job.  Experienced interviewers can usually tell when someone is lying. It’s best to be honest during an interview.

Turn off your phone

Turning off your phone during an interview should be common sense, but it’s not. Some people forget to turn the volume down on their cell phones. That is a huge mistake. Nothing can interrupt an interview more than someone’s phone going off. It’s disrespectful to the interviewer, and it proves that you probably don’t care about the interview as much as you should.

Are there any other ways that you can prepare for an interview?

Ways To Ruin Your CreditHello, Dinks. A few months ago I discussed different ways to increase your credit score. Today, I want to go over a few ways that you can ruin your score. Unfortunately, I’ve done a few of those things in the past.

Spend up to your credit limit

The first thing that you can do to ruin your credit score is to spend up to your credit limit. Don’t do it. The amount of debt that you have is 30% of your credit score. That’s nearly a third of it. You want to try and keep your credit utilization ratio under 30%. At one time my debt to credit ratio was at 90%. I was a mess back then. My score was also not that good. I worked at lowering my credit card debt, and I can now say that it is under 50%. I will get it to under 30% in no time.

Paying bills late

Paying your bills late specifically loans or credit cards is one of the quickest ways to ruin your credit. Your payment history accounts for 35% of your credit score. The more late payments that you make, the lower that your credit score will go. Pay your bills on time so that you won’t have this problem.

Having too much credit

Having too much credit can lower your credit score. Lenders will look at that as a red flag. Every time you apply for new credit, the lender makes a hard inquiry on your account. The more inquiries that are made, the more of a chance that you will see a drop in your score. You may also get to the point where you spend a lot of it, thus adding more debt to your debt to credit ratio.

Closing a lot of credit cards at once

The next way to ruin your credit score is too close a lot of credit cards at once. When you close a credit card, you immediately reduce the amount of credit you have available.  When your total amount of available credit decreases, so does your credit score.  To keep that from happening your best bet is to keep those old cards or close one card per year.

Co-signing a loan

Co-signing a loan is something else that can ruin your credit score. You may think that you are helping a family member or a friend but think again. If their credit were good, they wouldn’t need a co-signer in the first place. Once you co-sign for someone, the loan will show up on your credit report. If that person that you are co-signing with misses payments, it will negatively impact your score. Think long and hard before you co-sign for anybody.

Not checking your credit report

Everyone has the chance to get each of their three credit reports free once a year. It’s good to check them to see where you stand credit wise. You also want to make sure that there aren’t any errors on the report either. If you see something wrong, you should try to get it fixed ASAP.

To recap, the ways that you can ruin your credit score is by spending up to your credit limit, having too much credit, closing a lot of credit cards at once, co-signing a loan and not checking your credit report. I’ve made some of those mistakes before and have learned from them.

Have you made any of these mistakes regarding your credit?

7 topGood morning Dinks! Most celebrities have a ton of fans before they pass away.  For some, that number seems to double once they leave this planet. I researched seven different people that were famous for various reasons. I was shocked to see how much some of them made in 2015. These next seven celebrities that I am about to talk about are earning millions, even though they are no longer with us.

Michael Jackson

Michael Jackson was one of the best performers of all time. He started his career with the Jackson 5 and then continued to have a very successful solo career. He released several classic albums such as Thriller, Bad, and my personal favorite, Off the Wall. The King of Pop passed away in 2009. He made $115 million dollars last year. That’s incredible! His music sales, publishing empire and Las Vegas show are a few of the things that are generating that money.

Elvis Presley

Elvis Presley is referred to as the King of Rock and Roll. He earned $55 million last year. The majority of that was due to ticket sales to tour his Graceland estate. He is also still making money off of his discography. He recorded over 70 albums.

Elizabeth Taylor

Elizabeth Taylor was an actress, humanitarian and businesswoman.  She passed away in 2011. She made $20 million in 2015.  Her “White Diamonds” perfume still generates a lot of money for her. She also receives royalties from her movie roles.

Bob Marley

Bob Marley was a Jamaican reggae singer. He was one of the world’s best-selling artists. Besides his albums, The Marley Beverage group and House of Marley, which create audio and lifestyle products, have helped him earn $21 million last year. That is a lot of money for someone that passed away 35 years ago.

Marilyn Monroe

The next celebrity on this list is Marilyn Monroe. She was and American actress and model. She was one of the most famous sex symbols back in the 1950’s. She earned $17 million last year through licensing deals.

Frank Sinatra

Frank Sinatra was an American singer and actor. “Old blue eyes,” as he was called, was one of the most influential artists of the 20th century. Sinatra made a little under $12 million with album sales, sponsorships, and endorsements in 2015.

John Lennon

John Lennon was one fourth of the Beatles. The Beatles were the most commercially successful band in the history of music. Lennon earned $12 million in 2015 with the help of royalties and licensing deals.

Andy Warhol

Andy Warhol was an American artist. He was a key figure in the pop art revolution. Warhol was also a filmmaker and an artist. He earned $6 million in 2015 through licensing and advertising. Warhol passed in 1987.

This brief list shows that even in death some celebrities are still making big money. Some have even made more money in death than they did when they were alive. It’s truly amazing that some of them are earning that much money.

Did anyone on this list surprise you? What other deceased celebrities do you think are making a lot of money?

What Are Options?

April 27, 2016

Hello, Dinks. How many active investors do we have with us today? I know some of you deal with options on a weekly basis. Everyone doesn’t deal with them, though. A lot of people may not be entirely sure what they are. Today’s post is meant to help people get a better understanding of options. According […]

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Do You Watch Shark Tank?

April 25, 2016

One of the few shows that I watch on TV is Shark Tank. Shark Tank is a show where investors (Sharks) listen to entrepreneurs discuss their business or product. The entrepreneurs come to the show looking for an investment offer from one of the sharks. Shark Tank has been on the air since 2009. The […]

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Top Tips to Tackle Financial Stress

April 24, 2016

Do you feel stressed out about money? A lot of Americans have financial stress, so know that you are not alone. In fact, according to a recent study by Financial Finesse, 85 percent of American workers report some type of financial strain. The struggle is just as real for the millennial workforce—almost half of millennials […]

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Tips for Planning a Summer Road Trip

April 22, 2016

Hello, Dinks. I hope things are going well with you today. In today’s post, I want to share with you a few tips for planning a summer road trip. A lot of people including myself love to take road trips in the summer. The tips that you are about to read should help your planning […]

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Kobe Bryant’s Net Worth and Lasting Impact

April 20, 2016

Kobe Bryant, one of the greatest professional basketball players of all time retired last week at the age of 37. He played all of his 20 seasons with the Los Angeles Lakers. Kobe Bryant is an 18 time NBA All-Star and a 5 time NBA champion. He was a beast on the court, so naturally he […]

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5 Tips On How To Dress Business Casual For Women

April 20, 2016

A workplace that has instituted a strict business dress code is easy enough to prepare for, isn’t it? All you have to do is grab a few suits and you are good to go. But what about a workplace with a business casual dress code? This can be a bit more tricky. If you’d like […]

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