LifeLong Sharing

Are you the person who can manage your finance properly? If you are not, then you have to worry about your credit score. It is a score that calculated by nationwide bureaus, basing on your credit report. There are five factors could affect your credit score:

• Your repayment history: 35%
• Overall amount owed: 30%
• Length of credit history: 15%
• New credit obtaining: 10%
• Type of credit used: 10%

Clearly, if you want to get higher credit score, you need to have the proper way to manage your financial. So, what is the credit score used for? The credit score will determine the approval of your loan or card application. Imagine how sad it is when your loan application is being rejected just because of the bad credit.

Indeed, you can get your credit score at credit-score.org. If you are in a bad credit category, then you should learn from the website on how to get rid of it.  There is a brilliant article talk about the relation between credit cards and newborns really attract my attention. After reading the article, I felt credit score is very important for future and a family as well. You can find the article at http://www.credit-score.org/Credit-Cards-and-Newborns-3329553-page_47.php. Wish you will be inspired by that article too.

Benjamin decided to start his own business at the end of the year. I believe he had done a lot of research on restaurant industry. After all, he decided to open a brand new café at the shopping complex.

To setup a new company is easy, what you need is just money. Indeed, how to publicity your new brand is the crucial part. If your company name is known by a lot of people, it could increase your company image. Hence, it brings profit to you.

The same concept applies to a restaurant as well. People will more likely to visit a well known restaurant. In my opinion, the restaurant owner must be put a lot of effort in promoting their business. One of the easiest ways is to get help from branding company.

As I know, there is a well known Marketing Company is ready for help. They are able to establish a positive value-relationship with your customer and increase the brand value. They are able to find a unique solution for your company and help your company reach to the customers effective. You can check out their profile at http://www.brandidentityguru.com.

I will recommend this Marketing Company to Benjamin. I hope this can help him in establish his company.

End of the year, it is time to conduct appraisal. My appraisal session is scheduled on Friday. This is my first appraisal in this new company.

As a big company, there are a lot of things need to fill up before the appraisal. Besides, my boss asked us to write a report on what we have done for past year. It must be in professional way and proper manner. So, I am rushing with the report.

I am not aiming to achieve “Excellent” grade. What I hope is to achieve the level that I can have increment and bonus in next year!

Do you have appraisal in your company? Are you ready for it?