Make More Money and Live Your Passion: Become a Cre8tor
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Your financial life has a certain trajectory—similar to a train on a track. There will be twists and turns, but you can easily determine where you will end up if you stay on the financial track you’re currently on. What if the traditional methods of working hard, cutting expenses, and saving don’t work for you? Brown bagging it every day won’t cause you to jump tracks and end up somewhere completely different. The guy living in the mansion overlooking the ocean didn’t buy that house by clipping coupons, and the chick passing you in a $400,000 Maybach didn’t get that way by eliminating her morning latte. For most of us, the gap between where we are and where want to be is so wide that we’ll never be able to close it by following traditional financial advice.
What’s the solution? If you’re tired of scraping by you’ve got to create. If you want to move out of your apartment or make more than minimum wage, you’ve got to create. If you want a big house overlooking the ocean, to travel first class, to quit your job, or to drive your dream car, guess what? The answer is in the other 8 hours. The answer is to shift from being a full-time consumer to being a part-time Cre8tor.
A what? A Cre8tor is a creative entrepreneur who has a day job but wants more. He isn’t content with the status quo, and is less than thrilled with the thought of working another 40+ years. He knows that the only way to “jump the tracks” to get to a new financial level is to do something different during the other 8 hours. A Cre8tor utilizes his strengths, passions, and/or expertise to create something unique and valuable—maybe he’ll start a blog, work on an invention, write a screenplay, or start a business. If you settle for a paycheck, you’ll only be worth what your employer pays you. But if you create something valuable, there’s virtually no limit to your worth.
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How will my credit be affected if I cancel a credit card I've had for 2 years that is in good standing?
I have a credit card thru my bank (Wachovia) and I have paid it off on time and in full every month for the past 2 years and I also just got a new Discover card, and after comparing the rates, my Wachovia card has an APR of 18.24% and the Discover card's rate is 9.99%. I've been told that I should keep the Wachovia card for credit check purposes since I've kept up with it so well for this long, but just to avoid potential trouble in the future, I'm thinking about cancelling it, especially since I rarely use it now anyway (maybe just a couple times a month just so I'll have something to pay off-- that looks good, right?) What should I do?
I see two potential credit issues with canceling the older card. Your credit score can go down if you have too many recently opened lines of credit. In other words, the older your credit the better. Your credit score can go up if you have fewer total lines of credit. The more credit you have the more you can take out and credit bureaus look at this as a negative. I think If these are the only two cards you have, I would keep the older one open so your established credit is "older". Just don't use the card.
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