5 Things You Might Not Know About Uber
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Posted by admin on 11/27/2014 | Short Link

The ride-sharing service Uber is available in more than 150 US cities (not to mention many more across 43 countries), so theres a good chance youve used Uber, or heard of it, at the very least.

There are plenty of opinions out there about Uber. Some people swear by it. Others have had experiences so bad theyll never use it again. That alone doesnt set it apart from other businesses, but part of the difference in experiences stems from the fact that Uber has a variety of products and policies that directly impact the user experience. Whether youre a regular Uber user or are just now hearing about it, here are some things you might not know about the ride-sharing business and how it affects you.

1. Surge Pricing

Ubers on-demand ride service is what makes it so desirable — forget standing on the curb, hoping a cab comes by, because you make drivers come to you by requesting a ride through the app. Its wonderfully convenient. Of course, convenience changes the landscape of the business.

Instead of those times where you know youll never find an available cab (ie holidays or terrible weather), you can get an Uber, but its going to cost you more. Its basic economics: supply and demand. If you request an Uber during a peak time, its solution for keeping up with demand is to charge consumers higher fares, which it calls surge pricing. Youll end up paying many times more than what you would pay during a down time, meaning a short ride could cost you more than $100.

To be fair, when you request an Uber during surge pricing, a notification pops up in the app, asking if youre sure you want to continue. That hasnt stopped people from saying they had no idea the ride would cost so much. For example, this past Halloween, a woman ended up paying more than $300 for a short Uber ride, and she ended up crowdfunding the bill.

The takeaway: Pay attention to fare estimates and make sure the ride is worth it.

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2. Its Illegal in Some Places

As widely available as it is, you wont find Uber in some cities. For example, you can get an Uber in four suburbs of Portland, Ore., but Portlanders cant get an Uber in the city. There have been legislative fights in cities across the country about whether to allow the service to operate. (This affects more than just Uber, because there are several similar businesses out there.)

Some local licensing requirements actually make being an Uber driver illegal. Last month, a story popped up about Uber and Lyft drivers facing misdemeanor charges for driving without the proper permit in the Tampa Bay area. For a company that some see as an opportunity to make extra cash, thats some serious risk associated with a side job.

3. Kitten amp; Ice Cream Delivery Happens Too

You can request Uber to do more than get you from Point A to Point B. The company has run some very successful promotions like Uber Ice Cream and Uber Kittens in select cities, and they do exactly what you think they would: deliver ice cream and kittens upon request. There was even an Uber Health pilot program in some cities, where people could request at-home flu shots via Uber.

4. The Driver Isnt the Only One Being Rated

At the end of your Uber ride, you have the opportunity to give your driver up to 5 stars as a rating of their service. A drivers rating affects their ability to continue working as an Uber driver, which is the incentive for delivering good service.

Uber drivers rate their passengers, too, so if you have a habit of requesting Ubers when youre belligerently drunk or in a less-than-courteous mood (or if youre just like that), you may find yourself having trouble getting a driver.

5. Different Fares by City

Depending on where you are, you have a few options for Uber services, like UberX, Uber Taxi (request a taxi via Uber), Uber Black Car and Uber SUV. As you might expect, these services come at different costs.

But service type isnt the only thing affecting how much you pay. Base fares, taxes and fees vary by city, so while you pay an average of $14.70 for a 10-mile, 20-minute UberX trip in Chicago, a similar trip in New York City costs an average of $32.50. ChicagoInno, a Chicago media company focused on startups, analyzed UberX fares across the US and found Chicago has the cheapest UberX fares. The Hamptons has the highest average fare for a 10-mile, 20-minute ride: $63.50.

Again, make sure you check fare estimates before committing to an Uber when traveling, to avoid serious sticker shock when you get your receipt.

More Money-Saving Reads:

  • What’s a Good Credit Score?
  • What’s a Bad Credit Score?
  • How Credit Impacts Your Day-to-Day Life

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Hard to Hit Tax Revenue Target, Credit Weak: Jaitley
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Posted by admin on 11/27/2014 | Short Link

New Delhi: Finance Minister Arun Jaitley said on Friday it would be hard to hit tax revenue targets in this fiscal year, with weak credit demand underscoring his concern about the state of the economy.

In a speech, Jaitley said that while he expected to hit targeted levels for direct taxes, reaching the goal for indirect taxes would be a challenge.

With domestic investment weak, Jaitley told the Hindustan Times Leadership Summit that foreign investment was all the more important, pointing to interest in the defence and railways sectors that the government has opened up.

Jaitley said that he would like to see a law to allow greater foreign investment in insurance passed in the winter session of parliament that starts on Monday, along with legislation to enable the auction of coal blocks.

India is auctioning more than 200 coal blocks after the countrys Supreme Court scrapped licences in September that it said were illegal.

One finance ministry source said earlier that economic growth in the fiscal year to March was likely to come in near the lower end of the 5.4-5.9 per cent forecast range in the budget, while tax receipts may fall short by Rs 70,000 crore.

Copyright: Thomson Reuters 2014

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what do you need to take out a loan
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20 Things Every 20-Something Should Know About Credit
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Posted by admin on 11/26/2014 | Short Link

If I could relive my 20s again, there are a few things I would
do differently. First, I would have called my mom before getting
that tattoo. Second, I would have driven right past the animal
shelter. And third, I would have paid a lot more attention to my
credit. Lucky for you, I learned those lessons the hard way so
you dont have to.

So, after you get off the phone with your mom and finish
searching for dog-friendly apartments on Craigslist, read this
list of 20 things every 20-something should know about
credit.

Everything You Need to Know About Credit in Your
20s

1. Credit scores range anywhere from 300-850.

Your credit score is an indicator of how much of a credit risk
you are to issuers. The higher the credit score, the better.

2. You have three credit scores.

There are
three major credit bureaus

, Equifax, Experian and TransUnion. Each one maintains a separate
FICO score for each consumer in its database. As a result, you
have three separate scores and three separate credit reports.
Which leads me to the next fact…

3. Credit reports are not the same things as credit
scores.

Your credit score is calculated off the information on your
credit report. Your report shows your history of using credit,
including every open and closed account you have, your payment
history, credit limits and balance owed. Your credit score, also
known as a FICO score, is based off that information.

4. Having good credit isnt just about getting credit
cards and loans.

When it comes to maintaining good credit, many people think of
qualifying for a loan or credit card. A healthy credit history
can help you secure financing and save you thousands on interest
rates, but it can also lower your insurance premiums, help you
rent a place to live or waive certain deposit requirements.
According to FICOs testimony before a House Financial Services
subcommittee, its scores are used in about 10 billion decisions
worldwide each year.

5. You are entitled to a free credit report from each
bureau once a year.

Under the Fair and Accurate Credit Transactions Act, you can get
a free copy of your credit report once each year from each of the
three major credit bureaus at annualcreditreport.com. However,
these reports will not contain your FICO scores. You will have to
sign up for services or pay a fee to access those.

You can space out your free credit reports so you get one
every four months. This tactic helps you maintain a healthy
credit report and keep tabs on any potential fraudulent
activity.

6. Bad credit doesnt have to haunt you forever.

Your credit score is just a snapshot of your current credit
situation; it will change as your history improves or
worsens.

7. There are five factors that affect your credit scores.

FICO breaks down your credit history into
five categories

, each with different weights. The five elements are: payment
history (35 percent of the total score), credit utilization (30
percent), length of credit history (15 percent), new credit (10
percent) and credit mix (10 percent).

8. There is no single trick to raising your credit score.

There is no one-size-fits-all path to a better credit score. The
best thing to do is request your credit scores and look at the
score factors. Those will tell you the top four reasons your
scores arent higher. Once you have identified what is affecting
your credit scores negatively, you can start making changes to
improve them.

9. You do not need to have debt to have a credit score.

There is a popular myth out there that you have to have debt to
have a credit score. In fact, some people believe credit scores
reward people who have debt and that being debt-free means you
will have a credit score of 0. The truth is, the way the
scoring models work means its impossible to have a 0 credit
score. Also, the scoring systems actually penalize you for having
debt. You can pay your balance in full each month to grow your
credit score without taking on any debt.

10. Your credit score will not drop if you pull your own
reports or scores.

You can check your own credit reports and scores without hurting
your credit history. It has no effect on your credit.

11. Making the minimum payment is the worst way to pay
off credit card debt.

Making the
minimum payment

#160;is the longest and most expensive way to pay off credit
card debt. For example, if you make minimum payments (say, 2.5%)
on a card with a $2,500 balance and 18% APR, it could take you
204 months to pay off the debt and cost you $3,173 in interest.
Yikes!

12. Making a payment that is less than the minimum
doesnt count.

Making less than the minimum payment counts as a missed payment,
which will bring down your credit score, trigger a late fee and
possibly raise your interest rate. If you cant make your minimum
payments, call your credit card issuer ASAP.

13. You must use your credit card to build credit
history.

Using your credit card should not be confused with keeping a
running balance. A smart strategy is to use the card each month
and pay the balance off in full. Keep tabs on what you spend so
you dont get hit with a high bill you cant pay back.

14. Be wary of retail cards.

When compared to traditional credit cards, retail credit cards
area usually very easy to get, have low credit limits and very
high interest rates. Sure, discounts at your favorite store can
be tempting, but are you really saving money if you are more
tempted to shop or you cant pay your bill in full?

15. Maxing out your credit cards damages your credit
score.

Even if you dont exceed your credit limit, running up your bill
to the maximum allowed will have a huge negative impact on your
credit score. Some experts recommend keeping your balance under
30 percent utilization, but the safest thing to do is just pay
your bill in full each month.

16. You can negotiate with your credit card issuer.

It is possible to negotiate the terms, interest rates and
payments on credit balances. If you are faced with a large bill
you cant pay, you can sometimes negotiate the total balance of
the credit card debt owed. If you end up settling credit card
debt, you will be required to pay the new total in full and you
should expect your card to be closed and your credit reports to
take a hit. Negotiating your credit card debt should only be done
in an emergency.

17. There is a difference between good debt and bad debt.

Borrowing money at a low rate to purchase a home or car isnt bad
debt; you need a home to live in and you probably need a car to
get to work or school. There are personal finance experts that
promote the idea of paying cash for everything, including a new
home or car, but that option doesnt work for everyone.
Bad debt is expensive debt

, including high interest credit card debt or student loans,
especially if your post-graduation payments will push you close
to the poverty line.

18. Employers can pull your credit reports.

The Fair Credit Reporting Act allows employers to pull your
credit reports as part of employment screening. Some states
restrict the use of credit reports for employment screening but
it has not been outlawed altogether. Also, once you have been
hired, employers maintain the right to pull your reports at any
time during your employment. While credit reports do nothing to
determine your ability to perform job duties, they can shed light
on personality traits, like responsibility. Of course, credit
reports dont tell the entire story and this might not seem fair,
but keeping your credit history as pristine as possible will help
you stand out in a sea of applicants.

19. Prepaid or secured credit cards wont fix your bad
credit.

A secured credit card is offered by most major credit card
issuers and allows the user to make a deposit, or prepayment,
equal to the credit limit. These cards are reported to the three
major credit bureaus, but they do very little to help you build
credit. There is some value, but it takes more than just a
secured card to negate any derogatory items on your credit
history. These cards are best for people who are establishing
credit for the very first time.

20. Having bad credit doesnt make you a bad person.

The good thing about making credit mistakes in your 20s is that
you have plenty of time to fix them. This is the time in your
life to make mistakes, learn hard lessons and develop good habits
that will last a lifetime.

This article originally appeared on
gobankingrates.com

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jobcentre crisis loan number 0800
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20 Things Every 20-Something Should Know About Credit
Comments closed

Posted by admin on 11/26/2014 | Short Link

By Morgan Quinn, Feature Writer

If I could relive my 20s again, there are a few things I would do differently. First, I would have called my mom before getting that tattoo. Second, I would have driven right past the animal shelter. And third, I would have paid a lot more attention to my credit. Lucky for you, I learned those lessons the hard way so you dont have to.

So, after you get off the phone with your mom and finish searching for dog-friendly apartments on Craigslist, read this list of 20 things every 20-something should know about credit.

1. Credit scores range anywhere from 300-850.

Your credit score is an indicator of how much of a credit risk you are to issuers. The higher the credit score, the better.

2. You have three credit scores.

There are three major credit bureaus, Equifax, Experian and TransUnion. Each one maintains a separate FICO score for each consumer in its database. As a result, you have three separate scores and three separate credit reports. Which leads me to the next fact…

3. Credit reports are not the same things as credit scores.

Your credit score is calculated off the information on your credit report. Your report shows your history of using credit, including every open and closed account you have, your payment history, credit limits and balance owed. Your credit score, also known as a FICO score, is based off that information.

4. Having good credit isnt just about getting credit cards and loans.

When it comes to maintaining good credit, many people think of qualifying for a loan or credit card. A healthy credit history can help you secure financing and save you thousands on interest rates, but it can also lower your insurance premiums, help you rent a place to live or waive certain deposit requirements. According to FICOs testimony before a House Financial Services subcommittee, its scores are used in about 10 billion decisions worldwide each year.

5. You are entitled to a free credit report from each bureau once a year.

Under the Fair and Accurate Credit Transactions Act, you can get a free copy of your credit report once each year from each of the three major credit bureaus at annualcreditreport.com. However, these reports will not contain your FICO scores. You will have to sign up for services or pay a fee to access those.

You can space out your free credit reports so you get one every four months. This tactic helps you maintain a healthy credit report and keep tabs on any potential fraudulent activity.

6. Bad credit doesnt have to haunt you forever.

Your credit score is just a snapshot of your current credit situation; it will change as your history improves or worsens.

7. There are five factors that affect your credit scores.

FICO breaks down your credit history into five categories, each with different weights. The five elements are: payment history (35 percent of the total score), credit utilization (30 percent), length of credit history (15 percent), new credit (10 percent) and credit mix (10 percent).

8. There is no single trick to raising your credit score.

There is no one-size-fits-all path to a better credit score. The best thing to do is request your credit scores and look at the score factors. Those will tell you the top four reasons your scores arent higher. Once you have identified what is affecting your credit scores negatively, you can start making changes to improve them.

9. You do not need to have debt to have a credit score.

There is a popular myth out there that you have to have debt to have a credit score. In fact, some people believe credit scores reward people who have debt and that being debt-free means you will have a credit score of 0. The truth is, the way the scoring models work means its impossible to have a 0 credit score. Also, the scoring systems actually penalize you for having debt. You can pay your balance in full each month to grow your credit score without taking on any debt.

10. Your credit score will not drop if you pull your own reports or scores.

You can check your own credit reports and scores without hurting your credit history. It has no effect on your credit.

11. Making the minimum payment is the worst way to pay off credit card debt.

Making the minimum payment is the longest and most expensive way to pay off credit card debt. For example, if you make minimum payments (say, 2.5%) on a card with a $2,500 balance and 18% APR, it could take you 204 months to pay off the debt and cost you $3,173 in interest. Yikes!

12. Making a payment that is less than the minimum doesnt count.

Making less than the minimum payment counts as a missed payment, which will bring down your credit score, trigger a late fee and possibly raise your interest rate. If you cant make your minimum payments, call your credit card issuer ASAP.

13. You must use your credit card to build credit history.

Using your credit card should not be confused with keeping a running balance. A smart strategy is to use the card each month and pay the balance off in full. Keep tabs on what you spend so you dont get hit with a high bill you cant pay back.

14. Be wary of retail cards.

When compared to traditional credit cards, retail credit cards area usually very easy to get, have low credit limits and very high interest rates. Sure, discounts at your favorite store can be tempting, but are you really saving money if you are more tempted to shop or you cant pay your bill in full?

15. Maxing out your credit cards damages your credit score.

Even if you dont exceed your credit limit, running up your bill to the maximum allowed will have a huge negative impact on your credit score. Some experts recommend keeping your balance under 30 percent utilization, but the safest thing to do is just pay your bill in full each month.

16. You can negotiate with your credit card issuer.

It is possible to negotiate the terms, interest rates and payments on credit balances. If you are faced with a large bill you cant pay, you can sometimes negotiate the total balance of the credit card debt owed. If you end up settling credit card debt, you will be required to pay the new total in full and you should expect your card to be closed and your credit reports to take a hit. Negotiating your credit card debt should only be done in an emergency.

Related: How to Get a Credit Card After Being Rejected

17. There is a difference between good debt and bad debt.

Borrowing money at a low rate to purchase a home or car isnt bad debt; you need a home to live in and you probably need a car to get to work or school. There are personal finance experts that promote the idea of paying cash for everything, including a new home or car, but that option doesnt work for everyone. Bad debt is expensive debt, including high interest credit card debt or student loans, especially if your post-graduation payments will push you close to the poverty line.

18. Employers can pull your credit reports.

The Fair Credit Reporting Act allows employers to pull your credit reports as part of employment screening. Some states restrict the use of credit reports for employment screening but it has not been outlawed altogether. Also, once you have been hired, employers maintain the right to pull your reports at any time during your employment. While credit reports do nothing to determine your ability to perform job duties, they can shed light on personality traits, like responsibility. Of course, credit reports dont tell the entire story and this might not seem fair, but keeping your credit history as pristine as possible will help you stand out in a sea of applicants.

19. Prepaid or secured credit cards wont fix your bad credit.

A secured credit card is offered by most major credit card issuers and allows the user to make a deposit, or prepayment, equal to the credit limit. These cards are reported to the three major credit bureaus, but they do very little to help you build credit. There is some value, but it takes more than just a secured card to negate any derogatory items on your credit history. These cards are best for people who are establishing credit for the very first time.

20. Having bad credit doesnt make you a bad person.

The good thing about making credit mistakes in your 20s is that you have plenty of time to fix them. This is the time in your life to make mistakes, learn hard lessons and develop good habits that will last a lifetime.

Photo credit: European Youth Forum

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Credit Suisse: Grand Prix exerted weak impact on gaming revenue
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Posted by admin on 11/26/2014 | Short Link

The impact of the Macau Grand Prix, held from November 13-16, appears to be weak, Credit Suisse said yesterday.
‘Average Daily Revenue (ADR) last week (10-16 November 2014) further decelerated to MOP750 million. The Grand Prix race during 13-16 November may hurt revenue, but a 11 percent week-on-week decline appeared to be weak’, the bank noted in its report on the Macau gaming market.
According to the Swiss bank, for the first 16 days of the current month, Gross Gaming Revenue (GGR) achieved MOP12.75 billion, which implies an ADR of MOP797 million. This amount is lower than the ADR of October (MOP850 million) and September (MOP852 million).
Credit Suisse is now predicting that the gaming revenue in November will fall.
“Assuming an ADR of MOP800 million to MOP850 million for the rest of November, the GGR of this month may drop by18-21 percent year-on-year to MOP24 billion to MOP24.7 billion”, it said.
In the opinion of the bank’s team, mass market will remain soft due to the transit visa policy and smoking ban that came into effect on 6th October. In addition, the VIP segment is not showing signs of a significant recovery that would be able to change the current trend.

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unsecured personal loans bad credit history
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consolidating debt loans
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