The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
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Content provided by EYL Network. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by EYL Network or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
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Study Hall: Credit Cards & Credit Utilization: What You Need to Know | Shonda Martin
Manage episode 432084495 series 2852541
Content provided by EYL Network. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by EYL Network or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
In this Ficos Fundamentals Class for EYL University, Shonda Martin, a credit educator, and expert, dives deep into one of the most crucial aspects of your credit profile: credit utilization. Understanding and managing your credit utilization can significantly boost your credit score and open doors to better financial opportunities.
For this full class and more like it, sign up for EYL University at eyluniversity.com!
Don't forget to like, comment, and subscribe for more financial tips and tricks.
We cover:
What credit utilization is and why it matters
How to calculate your credit utilization ratio
Tips for maintaining an ideal utilization rate
Common pitfalls that can hurt your credit score
The impact of loan balances and charge-offs
00:00 Introduction
00:12 What is Credit Utilization?
00:35 Factors Affecting Credit Utilization
01:00 Number of Accounts with Balances
01:34 Impact of Charge-Offs
02:17 Proportion of Loan Balances to Original Loan Amount
03:14 Student Loans and Deferments
04:03 Checking Your Student Loan Reporting
05:14 Ideal Credit Utilization
06:07 How to Calculate Your Utilization
06:44 Why 1-3% Utilization is Best
07:45 Preparing for Credit Applications
08:14 Planning Ahead for Applications
Advertising Inquiries: https://redcircle.com/brands
Privacy & Opt-Out: https://redcircle.com/privacy
1125 episodes
Share
Manage episode 432084495 series 2852541
Content provided by EYL Network. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by EYL Network or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://player.fm/legal.
In this Ficos Fundamentals Class for EYL University, Shonda Martin, a credit educator, and expert, dives deep into one of the most crucial aspects of your credit profile: credit utilization. Understanding and managing your credit utilization can significantly boost your credit score and open doors to better financial opportunities.
For this full class and more like it, sign up for EYL University at eyluniversity.com!
Don't forget to like, comment, and subscribe for more financial tips and tricks.
We cover:
What credit utilization is and why it matters
How to calculate your credit utilization ratio
Tips for maintaining an ideal utilization rate
Common pitfalls that can hurt your credit score
The impact of loan balances and charge-offs
00:00 Introduction
00:12 What is Credit Utilization?
00:35 Factors Affecting Credit Utilization
01:00 Number of Accounts with Balances
01:34 Impact of Charge-Offs
02:17 Proportion of Loan Balances to Original Loan Amount
03:14 Student Loans and Deferments
04:03 Checking Your Student Loan Reporting
05:14 Ideal Credit Utilization
06:07 How to Calculate Your Utilization
06:44 Why 1-3% Utilization is Best
07:45 Preparing for Credit Applications
08:14 Planning Ahead for Applications
Advertising Inquiries: https://redcircle.com/brands
Privacy & Opt-Out: https://redcircle.com/privacy
1125 episodes
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Similar to Earn Your Leisure
The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
…
continue reading
The Greatness Machine is on a Quest to Maximize the Human Experience! Join Award Winning CEO and Author, Darius Mirshahzadeh (pron. Mer-shaw-za-day), as he interviews some of the greatest minds in the world―turning their wisdom and experience into learnings and advice you can use in your life so that you can level up and create greatness. Join Darius as he goes deep with guests like: Moby, Seth Godin, Gabby Reece, Amanda Knox, UFC Ring Announcer Bruce Buffer, Former FBI Negotiator Chris Voss ...
…
continue reading
Bitcoin groundbreakers share personal stories of how Bitcoin is changing lives for the better. Host Mauricio Di Bartolomeo, co-founder and CSO of Ledn, speaks with leading Bitcoin voices, entrepreneurs, and human rights advocates to hear their unique journey and practical real-world examples of how Bitcoin has made a positive impact in their lives. Brought to you by Ledn, a leading financial services company built for Bitcoin & digital assets. Ledn offers a suite of lending, saving and tradi ...
…
continue reading
Join host and Harvard Business School Online Creative Director Chris Linnane as he sits down with HBS faculty to discuss business education in a way that’s both entertaining and insightful. The Parlor Room is your key to breaking down academic theory without sacrificing depth—all while gaining practical takeaways for navigating the business world.
…
continue reading
The traditional enterprise go-to-market motion is undergoing a transformational shift. B2B buyers are more sophisticated than ever, and operational efficiency is a key focus for every organization. One key function possesses a unique opportunity to shape the future of revenue generation: enablement. On this podcast, we’re bringing you the secrets, strategies, and tactics that successful enablement leaders are using to drive meaningful impact. The Enablement Edge is the go-to resource for sal ...
…
continue reading
How can business help solve society’s biggest challenges? Welcome to Series 3 of Take on Tomorrow, the award-winning podcast from PwC that examines the biggest problems facing society and the role business can—and should—play in solving them. This series, we’re welcoming broadcaster and journalist Femi Oke to the show. She joins podcaster and journalist Lizzie O’Leary, and together with industry innovators, tech trailblazers and visionary leaders from around the globe, they’ll explore timely ...
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continue reading
Kara Goldin, founder of Hint, sits down with today’s most fascinating entrepreneurs, disruptors, and change-makers for a no-holds-barred discussion of how they overcame long odds on the road to start-up success. Guests such as Guy Kawasaki (Apple, Canva), Julie Bornstein (The Yes, Stitch Fix), Mindy Grossman (WW), and Amy Errett (Madison Reed) share wisdom and anecdotes that will inspire you – and challenge you to think differently about achieving your goals. For more on the podcast as well ...
…
continue reading
Custom Manufacturing Industry podcast is an entrepreneurship and motivational podcast on all platforms, hosted by Aaron Clippinger. Being CEO of multiple companies including the signage industry and the software industry, Aaron has over 20 years of consulting and business management. His software has grown internationally and with over a billion dollars annually going through the software. Using his Accounting degree, Aaron will be talking about his organizational ways to get things done. Hi ...
…
continue reading
Motley Fool Money is a daily podcast for stock investors. Weekday episodes offer a long-term perspective on business news with The Motley Fool's investment analysts. Weekend shows are a mix of investing classes and longer-form interviews. The show is hosted by Dylan Lewis, Ricky Mulvey, and Mary Long.
…
continue reading
Introducing The Unshakeables, a new podcast from Chase for Business and iHeartMedia's Ruby Studio. Small businesses are the heart and soul of this country, but it takes a brave individual to start and run a company of their own. From mom-and-pop coffee shops to auto-detailing garages -- no matter the type of industry you’re in, every small business owner knows that the journey is full of the unexpected. A single moment may even change the course of your business forever. Those who stand firm ...
…
continue reading
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