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Your credit score is one of the most important measures of your financial health. It tells lenders at a glance how responsibly you use credit. The better your score, the easier you will find it to be approved for new loans or new lines of credit. A higher credit score can also open the door to the lowest available interest rates when you borrow. If you would like to boost your credit score, there are a number of quick, simple things that you can do. While it might take a few months to see an improvement in your credit score, you can start working toward a better score in just a few hours. Key Takeaways It takes less than a couple of days to pull all your credit reports from the three major credit bureaus, and assessing your credit score is the first step to raising it. In just a few hours, you can set due-date alerts for bills, so you know when a bill is coming up. Paying your bills on time Is one of the most important steps in improving your credit score. Pay down … [Read more...] about How to Improve Your Credit Score Fast

According to Antony, about 1,500 to 1.800 coffee saplings can be planted in an acre of rubber plantation. Roy Antony, a farmer from Wayanad in Kerala, is delighted that an arabica coffee plant variety he developed is being sought by the ruler of Abu Dhabi for planting in his farmhouse. Named Roys Selection, his coffee plant has become a big draw in the last few years as news of its utility as an inter-crop in rubber plantations spread among planters. “For the farmhouse in Abu Dhabi, they want 3,700 seven-year old arabica plants that have started bearing fruit for making their favourite coffee. There are no rubber plantations there but they are planning to create a cool atmosphere for the ideal growth of the plant," Antony told Moneycontrol. The farmhouse is sourcing coffee as well as other plants from different parts of the world. Antony is happy that the kingdom has gone for the farmer's variety of coffee from India and plans to provide it at a minimum payment. "This … [Read more...] about Kerala farmer’s intra-crop coffee variety vows more income to struggling rubber growers

Share to Twitter Share to Linkedin After a meteoric rise during the pandemic, the buy now, pay later (BNPL) business is facing a future clouded by deteriorating economic conditions, competition from the likes of Apple and bank credit card issuers and a looming regulatory crackdown. At least, that’s the conventional wisdom. Since the federal Consumer Financial Protection Bureau (CFPB) opened an inquiry into the industry last year, regulation has generally been framed as a “ backlash ” and threat to the industry’s growth. A research note issued Sunday by Goldman Sachs analyst Michael Ng, which initiates coverage of Affirm Holdings with a neutral rating, observes that “the evolving US BNPL regulatory landscape results in the risk of potential regulation that could reduce the pace of consumer and merchant adoption.” Yet a deeper look suggests regulation could actually benefit the leaders in the American BNPL sector. While BNPL has been around in the US … [Read more...] about Why Regulation Will Help The Buy Now, Pay Later Giants

Share to Twitter Share to Linkedin Almost everyone who grew up in the United States after the end of World War II understood that an indicator of economic success if not the indicator was owning “your own home.” Homeownership attained mythic status representing not just climbing a rung up an economic ladder but a social and psychological one; owning a home meant being a full member of society. But is it really a good idea? While there are real, measurable economic gains that can be attributed to owning a home – or rather borrowing for one – has it had deleterious effects? Is it time to ask this question more seriously along with the essential one: “Is there an alternative and do we even need one?” A film by The Economist a couple years ago sets the stage for this conversation. The film’s title, “How an obsession with home ownership can ruin the economy,” might overstate the case just a bit, but it lays out in 12 minutes some of the most compelling challenges … [Read more...] about Is Home Ownership Still A Good Idea?

Share to Twitter Share to Linkedin Perhaps one of the most iconic portrayals of a greedy landlord is Benoit from Puccini’s La Boehme . The character arrives on the scene at the opening of the play looking to collect rent and then proudly confesses infidelity to the poor artists he’s trying to shake down. They pretend to be outraged by his immorality, eject him, and use the rent money for a night on the town. The image of the poor but righteous tenants is so compelling a modern musical adaptation of the opera is called Rent . But are housing providers really trying to squeeze every last cent from their residents? A study from Berkeley indicates that often, housing providers leave money on the table, giving discounts and often failing to keep up with the market. The study, Affordable Housing Without Public Subsidies: Rent-Setting Practices in Small Rental Properties , takes a look at how housing providers set their rents and how those rents relate to … [Read more...] about Study: Housing Providers’ Rent Increases Often Don’t Match Market

Share to Twitter Share to Linkedin Two years after the first rounds of Covid stimulus payments were sent by the federal government, efforts are beginning to assess the effect of direct cash payments. I have long been an advocate for cash payments, especially for rent, instead of expensive and inefficient building programs. A couple of studies point at two important outcomes from the Covid cash. First, the money helped solve real problems associated with Covid and poverty. Second, the money created some subjective impacts, specifically more awareness about money and budgeting and a heightened sense of anxiety about what happens when the subsidy is gone. If we’re going to move toward a cash for rent strategy, it’s worth taking a look at these outcomes. “ How Effective Is (More) Money? ” asks a study completed by a team of researchers looking at hundreds of Covid relief payments sent out to households during the pandemic. At first, their answer – “we find no … [Read more...] about Cash For Housing Better Than More Building Alone

Share to Twitter Share to Linkedin This month I’ll start with an update on housing issues generally then move to some specific proposals in Chicago and Cincinnati. Then I’ll share a couple of positive ideas for the future. When it comes to housing, the dominant topic these days is what is typically tenant/landlord law, rules that govern the operation of rental housing. The discussion has come even more narrow that that; today “housing” is almost synonymous with “eviction.” The problem is that regulating eviction won’t improve housing policy any more than regulating divorce will improve the life of families in the country. About a decade ago, housing really was a discussion about housing. Discussions about density, for example, were really about lifestyle, economics, and choices local governments needed to make about growth. As I’ve mentioned before , he discussion was intense, but it really was about where people would live. Today, interest groups with … [Read more...] about Update: Housing Policy Discussion Only Getting Worse

ALL-WEATHER | It’s work as usual for a team from Benguet Electric Cooperative (Beneco) despite rains in Baguio City in late July. Beneco is locked in a leadership dispute with the National Electrification Administration that has escalated into the freezing of the utility’s bank accounts, drawing condemnation from local officials as the cooperative has been defaulting on payments to its power supplier. (Photo by VINCENT CABREZA / Inquirer Northern Luzon) BAGUIO CITY, Benguet, Philippines — One of the banks dragged into a leadership tussle between the power utility here and its regulator has been restrained by a local court from releasing to unauthorized persons the funds deposited on the electric cooperative’s account, allowing only current managers to access the money. The restraining order against Bank of the Philippine Islands (BPI) issued by Baguio Regional Trial Court (RTC) Branch 7 Judge Cecilia Corazon Dulay-Archog on July 25 will lapse on Aug. 14, but Archog is currently … [Read more...] about Baguio court halts unauthorized access to utility’s bank account

Augusto Cesar Bengzon—Ayalalandlogistics.com Industry giant Ayala Land Inc. is delaying P10 billion in property acquisition deals until 2023, cutting its annual capital spending program amid uncertain market conditions. From an estimated P90 billion, the builder is now targeting to spend about P80 billion in 2022, according to Augusto Cesar Bengzon, chief finance officer of Ayala Land. “There are certain conditions, precedents that have to be fulfilled by the land owners and, of course, we’re negotiating harder,” Bengzon told reporters during a media briefing on Friday. “We don’t need to rush it and we think, probably next year, we will be able to come to terms,” he added. Ayala Land originally planned to spend P13.5 billion on land acquisitions, representing 15 percent of the full year budget. It deployed about P4.5 billion to buy property in the first half of 2022 out of the P30.2 billion that was spent. Ayala Land might find trouble negotiating for bargain deals as real … [Read more...] about Ayala Land delays P10B in land acquisition deals

It’s been relatively quiet on the Okada Manila front for the past couple of weeks, but no one should be fooled into thinking that the issue has been put to rest. In fact, a full-page ad published in the Inquirer last Saturday says just the opposite. In it, Tiger Resorts Asia Limited or “TRAL”—which says it owns 99.99 percent of Okada Manila—“has received credible reports that the self-appointed board” of the controversial casino resort hotel led by Kazuo Okada “is again attempting to issue themselves improper payments.” “So far, these untoward attempts have been thwarted by honest and hardworking Okada Manila employees who are unwilling to facilitate these improper financial transactions,” the firm said. “As a result, the self-appointed board has allegedly demoted and even improperly terminated employees who were not willing to follow their orders, refused to betray their conscience, and protected themselves from criminal liabilities—despite knowing that it may result in unjust … [Read more...] about BIZ BUZZ: Wooing Okada whistleblowers