Investment Conversations

How To Choose The Best Credit Card For You

How To Choose The Best Credit Card For You

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Each of us relies on credit cards for different reasons, whether it is positive or negative for your finances is a different issue altogether. Some people get them in hopes of building up their credit, or to earn loyalty points or other freebies, while others rely on them for business. In choosing a credit card, it’s important to realize that there is no one card that is better than the others. It all comes down to your personal financial story and individual preference. Just because a close friend recommends their high-interest loyalty rewards card, doesn’t mean it’s the right card for you. It takes time to find the perfect credit card, with an interest rate and rewards program that works for you. However, knowing what options are on the table before biting the bullet can save you money and frustration in the long run. To determine which credit card is best for you, it…

What You Need To Know About Your Credit Score

What You Need To Know About Your Credit Score

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Earlier this year, I sought pre-approval for a mortgage only to find that I was not eligible for the lowest interest rates. I later found out the reason I was ineligible was because of my credit score. When I tell you, I was shocked! This made me check my credit rating for the first time; so I ordered my credit report (for free, nonetheless). I found that my credit rating was not excellent, or even good, but a “fair” rating…FAIR! I noticed there were some errors on the report, and that an unpaid phone bill had been sent to collections (I blame it on my study abroad year in my third year of university when I literally had no cares in the world!). So this year, I embarked on a journey to fix my credit score and my credit rating has improved by almost 50 points, to a good rating!…

Winning At Networking

Winning At Networking

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  You can drastically change the quality of your life – especially your ability to accumulate wealth by networking effectively and taking advantage of the opportunities presented to you! Your network is truly your net worth. Sounds cliché but it’s true. The first few job offers I received after I graduated from university, came from networking with people at conferences, and emailing strangers that were successful in the industry I wanted to be in (for me that was accounting and finance). Winning at networking means finding a way to leverage your network to create opportunities for yourself! People network for different reasons: to get a job, a business contract, a business partner, an investor, or just to meet a new friend. As long as you are able to leverage your network, the opportunities are endless! However, networking can be quite daunting for a lot of people. I know this too well, because…

3 Money Lessons From Jay Z’s 4:44 Album

3 Money Lessons From Jay Z’s 4:44 Album

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  I finally listened to Jay Z’s new album 4:44. If you don’t have a TIDAL subscription that’s too bad, I hope, like me, you have friends with TIDAL accounts 😉 I kept bumping to the album for a week straight, I mean, it’s Jay-Z – it’s expected. On the second listen of the album, specifically the song “The Story of O.J” (which is my absolute favorite song on the album, btw) I realized that there were so many money and investing gems that I hadn’t learned and I want to share them with you. I hope you’ll find that Jay-Z wasn’t playing when he said: “I’m trying to give you a million dollars worth of game for $9.99” 😉 1. The value of long-term investing: “I bought some artwork for 1 million, 2 years later that sh*t worth 2 million. Few years later, that sh*t worth 8 million” Jay…

Lessons Learned From A Mentor: Michelle Obama

Lessons Learned From A Mentor: Michelle Obama

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If you know me personally you know that I really believe in having mentors. However, I don’t believe your mentor has to be someone you know. Hell, your mentor doesn’t even have to be alive (most of my favorite mentors I’ve learned the most from are dead). These are called distant mentors. Michelle Obama is one of my distant mentors. I learned so much from her when she was FLOTUS. As a black woman, having a woman like that in power made me think I could be more. It made me upgrade my dreams: I realized I was dreaming too small and aiming too low. She inspired me to DREAM. I cannot wait till she has an autobiography (I’ll also settle for a biography 😒). Here are some of the notable things I’ve learned from her so far: 1. On Empowering Oneself: You just empower yourself with education and not just formal…