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– Napoleon Hill
Journalist Napoleon Hill, before writing this book, the 1937 bestseller, explored five hundred names that have become millionaires by their own efforts, such as Andrew Carnegia, Henry Ford and Charles M. Scwab.
Reading this personal finance classic that goes beyond your own time, you will see that controlling money requires more than reaching a certain mentality and overcoming psychological barriers, and you will learn how to draw the path to success.
2. Automatic Millionaire – David Bach
One of the founders of AE Wealth Management, David Bach, who came to his current “millionaire point” with his own efforts, has reached the status of best-seller and tells us how wrong we know about money.
When you read the “Automatic Millionaire” you will see that you don’t need a budget, a lot of money, or even a strong will to be rich.
Kredi notunuz, kredi geçmişinizin yansıması niteliğindendir. Kredi notu yükseltmek gibi faydalı hedefler belirleyerek kredi geçmişinizi olması gereken en doğru düzeleme sokabilirsiniz.
Kredi geçmişinizden 5 yıl boyunca olumsuz bilgileri silemeyecek olsanız da, gelecek yıllar için kredi geçmişinizi iyi seviyeye getirecek adımlar atabilirsiniz.
İşte kötü bir kredi geçmişini düzeltmek için bazı ipuçları:
- Gecikmedeki borçlarınızı ödeyin ve takibe alınan bakiyeleri kapatın.
- Borçlarınızı mutlaka zamanında ödeyin.
- Kredi geçmişinizi düzeltmeye devam etmek için birkaç aktif ve pozitif hesap bulundurun.
- Limit kullanım oranızı %10 ile %30 seviyesine düşürün.
Son olarak, herhangi bir kötü finansal işlemin kredi geçmişinize zarar verme potansiyeli olduğunu unutmayın. Kredili ürünlerinizi sorumlu bir şekilde kullanın ve kredi geçmişinizi yıl boyunca düzenli olarak takip etmeyi sürdürün.
Kredi almak, kredi kartı limiti yükseltmek ve daha fazlası için bir hayli önemli olan kredi geçmişi hakkında bilmeniz gerekenleri öğrenin.Yazar Berk Bolat -3 Mayıs 2019
Kredi veya kredi kartı başvurusu yaptığınızda, kredi kartı limitinizi artırmak istediğinizde ya da kredili bir mevduat hesabı açmaya karar verdiğinizde bankalar tarafından dikkate alınacak ilk husus kredi geçmişiniz olacaktır.
Kredi geçmişi bir nevi finansal hayatınızın özeti niteliğindedir. İşte tam da bu nedenle bugün yaptığınız ve gelecekte yapacağınız kredili ürün (ihtiyaç kredisi, kredili mevduat hesabı, kredi kartı gibi) kullanımları açısından kredi geçmişi son derece önem arz etmektedir.
Kredi Geçmişi Nedir?
Kredi geçmişi, bir kişinin kredili ürün kullanımları, toplam borç yükü, kredi limiti ve ödeme zamanlamaları da dahil olmak üzere geçmişte kredilerini nasıl yönettiğinin bir kaydıdır.
Bankalar, bir kredi başvurusunu ya da kredi kartı limit artırım talebini onaylayıp onaylamama kararı almak için potansiyel bir müşterinin her daim kredi geçmişine bakar ve buna göre karar alırlar.
Türkiye’de pek yaygın olmasa da gelişmiş ülkelerin birçoğunda, işverenler ve ev sahipleri, iş adaylarını veya potansiyel kiracıları değerlendirmek için de kredi geçmişine bakmak isteyebilirler.
Kredi geçmişi açılış tarihi fark etmeksizin tüm aktif kredili ürünler ile son 5 yıl içerisinde kapanan tüm kredili ürün bilgi ve detaylarını kapsar. Öte yandan yasal takibe alınmamış fakat halihazırda bakiyesi kapanmamış kredili ürünler, 5 yıldan daha eski olsa dahi kredi geçmişi kapsamında yer alır.
Kredi Geçmişi Nasıl Oluşur?
Bir kredi geçmişi, kullandığınız kredili ürünlere dair ayrıntılı bir bakış sunar. Kredi Kayıt Bürosu, kredi geçmişinizi düzenli olarak izler ve isteğiniz üzerine veya kredili ürün başvuruları ya da taleplerinizi gözden geçirmesi gereken bankalar gibi diğer kuruluşlar için, kredi geçmişinizi kapsayan ayrıntılı kredi raporları hazırlar.
Kredi geçmişiniz, banka ve finans kuruluşları tarafından size karşı alınan yasal takipler, mahkeme kararları veya hacizler gibi olumsuz eylemlerin yanı sıra, mevcut borç, kredi limitleri ve kullanılan kredili ürünlerinin çeşitliliği gibi birçok ayrıntıyı da kapsar.
Bütün bunlarla birlikte, kredi geçmişinizde yer alan bahsettiğimiz bu bilgiler, kredi notunuzun hesaplaması için de kullanılır. Muhtemelen bildiğiniz ya da tahmin edebileceğiniz gibi, yüksek bir kredi notu daha iyi bir kredibiliteye yani kredi vermeye uygunluğa işaret eder.
Daha önce hiç kredili ürün kullanımı yapmadıysanız, muhtemelen bir kredi geçmişiniz olmayacak ve kredi notunuz hesaplanmamış olacaktır. Kredili ürün kullanımı yapmaya başladığınız takdirde de bir kredi geçmişiniz oluşacak ve kredi notunuz hesaplanacaktır.
Kredi Geçmişi Neden Önemlidir?
İyi bir kredi geçmişi, kredi almanızı, kredi kartı almanızı ya da en basitinden kredi kartı limitinizi yükseltmenizi kolaylaştırır. Kötü bir kredi geçmişi de kredi almanızı önleyebilir veya diğer benzer seçeneklerinizi önemli ölçüde azaltabilir.
Gecikmiş ödemelerle dolu bir tarihçeniz varsa veya yasal takibe alınmışsanız ya da idari/kanuni takibe düşmüşseniz, kredi almaktan kredi kartı limitinizi yükseltmeye kadar pek çok sorun yaşayabilirsiniz.
Olumsuz bilgilerin çoğu, kredi geçmişinizde beş yıl boyunca görünür. Bu açından ele alındığında kötü bir kredi geçmişinin tamamen düzeltmesi için uzun bir süre gerekebileceğini söyleyebiliriz. Bu da kredi geçmişinize dikkat etmenizin ne denli önemli olduğunu açıkça göstertiyor.
You can take the first step on your way to prosperity from your place of residence by taking a little sacrifice.
Author Berk Bolat – 4 March 2019
If you want to make more money and prosper faster, we have highly effective advice to help you with this. However, each of these recommendations requires you to make some sacrifices.
With a few small adjustments you can bring to life by making small sacrifices, you can quickly get rich from your seat. Now sit back, relax and start to look at our advice.
1.Pay Yourself First
As David Bach, a financial expert and author who has become a millionaire on his own, you must start paying yourself first. This means that you see your savings as an invoice or debt that has to be paid. Therefore, you have to allocate a certain amount each month for savings.
To pay for yourself, you should consider opening a savings account at a different bank instead of your favorite bank, for example a salary account, and automatically transfer the savings amount you set to this savings account. As Bach says, you can start saving more easily by regularly transferring a certain amount of your salary directly into your savings account.
The way you pay yourself makes it a lot easier to save money.
- Increase Your Private Pension Premiums
Private Pension System (BES) is one of the most advantageous ways of investing with low effort and cost. Thanks to various types of funds, it is possible to invest in PPS according to preferences and expectations from gold to stocks. Moreover, the state contribution paid in addition to the PPS premiums is an important advantage of this system.
If you want to save and invest with low effort and cost, you can create a suitable PPS plan for yourself. Once you’ve paid yourself, you can take things one step further by increasing your PPS premiums every year to further increase the value of your savings and investments.
If you intend to participate in PPS or are already in the system, you should try to increase your premiums by certain rates every year. This will increase your state contribution in addition to your premiums.
You should also make sure that your funds have the right distribution. BES is advantageous, but you must know your rights to make the most of these benefits. For example, the option to change your pension company or your funds three times a year is an example of the rights you need to know if you need to.
- Try Your Favorite Methods to Invest
Great investment opportunities where you can make money with money can come anywhere, at any time, or opportunities may shift to different areas at times. Mutual funds are one of the best ways to utilize these investment opportunities, requiring low cost and effort.
Mutual funds are not only cost-effective, they are also managed by professionals. You just invest and focus on performance. For example, you do not need to buy or sell shares in certain companies or follow them continuously.
There are many mutual funds that you can buy. You can make specific choices from stocks of companies traded on Borsa Istanbul to funds that include company stocks traded on foreign stock exchanges. For example, Apple, Microsoft and Netflix, such as global technology giants, including technology stocks and even invest in funds that you can see the opportunities you see in these companies.
You can also opt for gold funds or principal protected funds if you want to watch cruise in safer ports. Funds are generally suitable for every investor due to their low cost and low effort requirements. However, funds are also one of the best ways to diversify the portfolio.
- Create Passive Income Flow
In Robert Kiyosaki’s best-selling individual finance book Rich Father Poor Father, the logic and importance of generating passive income streams are conceptualized with the words “the rich make money” and “time is more valuable than money”. The author did not better explain the logic and importance of passive income.
Making money from your residence or even while you sleep is the most understandable definition of passive income. If you have passive income, you will still make money while reading these lines. You win when you sleep. Passive income is fully automated, once created, it automatically saves money on a regular basis.
Generating passive income initially requires some effort, but once you do so, the rest is easy. There are many ways you can generate passive income today. For example, businesses that generate passive income from the Internet are very common and each of them can be implemented
On July 25, 2018, Facebook (NASDAQ: FB) shares reached an all-time high of $ 217.50, representing a gain of more than 450 percent compared to the initial public offering. At the time, Facebook seemed to be the strongest investment compared to all social media companies.
Other industry giants such as Twitter (NYSE: TWTR) and Snap (NYSE: SNAP) have fallen since the initial public offering of stock prices, reflecting concerns about the applicability of business models. However, Facebook had a positive and steady increase in earnings, return on equity and reasonable valuation rates. What could go wrong?
Actually, it’s too much. A lot went wrong. As you know, the 2018 Cambridge Analytica data leak, a series of scandals and internal power struggles have led Facebook shares to fall over the past year.
So, what exactly is happening on Facebook? Should investors be worried about the company’s long-term future?
We need to start with data leaks to tell us about Facebook’s latest troubles.
The Cambridge Analytica scandal, where a British political consulting firm took and used the personal data of millions of non-consenting Facebook users, became the largest and most well-known Facebook data leak. But not only that.
Many Facebook employees who suffered ethical dilemmas due to the Cambridge Analytica scandal demanded transfer to other departments of the company, such as Instagram and WhatsApp. Many employees whose demands were rejected resigned. It was claimed that Facebook employees resigned because they could not withstand this ethical pressure.
In addition, according to Reuters’ report, a team of 260 people under a project, all Facebook posts, one by one, and more specifically sent to the analysis of these messages appeared to be included. Moreover, this team was not composed of Facebook employees, but external employees.
More recently, a journalist from the Daily Beast deciphered the identity of the person who created and published the scandalous video of US House of Representatives Nancy Pelosi, with the help of a Facebook employee who had access to private user data.
Other infiltrations other than Cambridge Analytica may seem relatively minor, but in general there is a much bigger problem: Facebook does not do much to prevent more than 35,000 employees from misusing access to sensitive information.
There are other social media platforms, but no other Facebook. The only social media platform with a comparable number of users, Instagram, which is also a Facebook subsidiary.
Given the dominance of Facebook and its control over the personal data of billions of people, antitrust investigations against the company do not seem surprising.
Chris Hughes, one of the co-founders of the company, recently said that Facebook should be split in order to gain competition and accountability in the social media sector.
This idea is being thought through. Last Monday, lawmakers in the US House of Representatives announced they would monitor Facebook and other major technology companies in this sense.
Facebook shares more than 7 percent on the day of this disclosure
Mark Zuckerberg is at the center of all this chaos. Last week, at the annual shareholder meeting of Facebook, Zuckerberg, 35, represented the majority of the company because of his shares.
Facebook’s B-type stock structure makes it impossible to fire Zuckerberg unilaterally. Although the majority of shareholders want him to go, Zuckerberg can veto such proposals alone, as he controls roughly 60 percent of the vote.
Facebook’s share is definitely well managed and has a reasonable value. In addition, the company has a low price gain ratio and high return on equity.
However, given the possibility of more data leaks, the risk of antitrust investigations and shareholder revolts, one can easily say that the worries are not irrelevant and now is not a good time to buy more shares from Facebook.
Let’s examine some banks that offer instant confirmation services for credit card applications. Please note that these banks are included in our article in terms of being an example, and that your options are not limited to those here.
Akbank offers instant confirmation services for applications to Axess and Wings credit cards. After receiving an application over the internet, Akbank sends your credit card directly to your address if the application is evaluated positively.
Isbank is among the banks that will help you make the fastest credit card application. It is possible to apply to the bank’s Maximum credit cards online and get instant confirmation.
Although QNB Finansbank receives CardFinans credit card applications from the internet, it can give immediate approval after a positive review process. In addition, the Bank’s new product, Miles & Smiles Credit Card, receives applications under immediate approval.
Enpara QNB operates as a digital banking subsidiary of Finansbank. Since transactions are carried out in digital media, credit card applications are taken from this environment. As can be expected, instant confirmation is possible.
Yapı Kredi receives online application for Worldcard credit card and offers instant confirmation service. If your application is evaluated and you are eligible, you can get immediate approval.
Many people are curious about how to make a loan application to multiple banks or to apply for a loan to a large number of banks on the same day.
Credit rating is a rating that reflects the credit history that banks use to approve and sometimes reject applications. Each time a bank checks the credit history to evaluate an application, the credit rating is affected.
What Happens When A Loan Application Is Made?
Banks need to check your credit history to evaluate your loan applications.
Your credit history, credits, credit cards, accounts count, whether you’ve paid on time, or if you’ve previously passed a legal follow-up due to your debts. Credit history is the best way to check this and similar information.
Rather than review your full credit history, many banks check your credit rating to assess your application more quickly. Because your credit rating is a summary of all the information in your credit history.
When a bank checks your credit note, for example to evaluate your loan application, an inquiry is performed on your credit report. This inquiry in your credit report over the last 12 months affects your credit rating.
How Many Applications Affect the Credit Rating?
A single credit application is unlikely to cause any major damage to your credit rating.
Your credit history will absorb the impact of a single loan application, no matter how bad or good it is. However, making multiple credit applications to more than one bank in a short time will cause serious damage to your credit rating.
For example, applying for loans at the same time to all banks or applying to different banks on different days on the same day or shorter intervals will damage your credit rating, but will also reduce the possibility of your credit being approved.
Even if your credit rating isn’t going to suffer much from a few loan applications, banks may refuse your loan application because you’ve made intensive applications recently.
A large number of new loan applications can be perceived as despair, and this may indicate that your current financial situation is probably not good, which may lead to a negative result of your loan application.
The approval or refusal of your credit application does not affect your credit rating, at least directly.
If your application is approved, it may be said that with a simple mathematics, your credit rating may be temporarily reduced at a specified rate, as the opening of new credit products affects your credit rating by 11 percent.
However, the approval of your loan application will have a positive impact on your grade, as the average credit history will increase your age.
On the other hand, rejecting your application will not affect your credit rating.
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