A Quote by Zig Ziglar
I'm constantly amazed that owners and managers of all businesses don't train their people to call the person who pays by credit card by name. It definitely makes the customer feel good and will be a factor in bringing them back to your place of business.
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I'm not proud of this at all, but I'm someone who has relied on business managers and accountants and career managers to run the whole bureaucratic side of my life for the last 16 years, so anything, from filing tax returns to paying credit card statements, is something that I feel rather fortunate to have been out of the loop on.
Statistics suggest that when customers complain, business owners and managers ought to get excited about it. The complaining customer represents a huge opportunity for more business.
The United States of American business pays the second-highest business taxes in the world, 35 percent. Ireland pays 11 percent. Now, if you're a business person, and you can locate any place in the world, then, obviously, if you go to the country where it's 11 percent tax versus 35 percent, you're going to be able to create jobs, increase your business, make more investment, et cetera. I want to cut that business tax. I want to cut it so that businesses will remain in the United States of America and create jobs.
Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.
Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.
he card companies will often, as a courtesy, honor that credit card, but hit you with a penalty. And you keep swiping your card for $3 at Starbucks for your latté, and you're getting hit with a $25 penalty because it's over your credit limit.
But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.
Treat your career as a business. Invest your earnings into good tools that can enhance your business. Film businesses are the same as non-film businesses. Ploughing part of your earnings back into your filmmaking business would grow career exponentially.
If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.
The fears you do not face become your walls. Most people in business, and in their personal lives, design everything so they can avoid doing what makes them feel uncomfortable. Yet any good business person knows we are not only paid to work, but also we are paid to be scared.
If you decide you need a secured card, use it to charge small items every month, then pay the balance off in full. If your credit score improves, and the bank doesn't offer to upgrade your card within 12 to 18 months, give them a call. If they refuse, try another lender.
I believe that a lot of progress has been achieved to address gender inequality: We have moved from a time where women in the US could not apply for credit card without their husband's signature to a time where women are the owners of their businesses.
If you pay your credit card off every month, get a rewards card. One that gives you airline miles or that will give you 1 percent cash back at least on every purchase.
I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.
I have two last pieces of advice. First, being pre-approved for a credit card does not mean you have to apply for it. And lastly, the best career advice I can give you is to get your own TV show. It pays well, the hours are good, and you are famous. And eventually some very nice people will give you a doctorate in fine arts for doing jack squat.
I like it when you buy something and pay with a credit card, they put your credit card on the receipt, but only the last four numbers. Aha! I'm really good at guessing twelve numbers. I can't guess 16 numbers, so thanks for the assistance!
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