Faster debt payoff: You can speed up debt repayment by saving on a lower APR and by avoiding multiple minimum payments when you have balances on multiple cards. You can instead concentrate on paying off the one card holding the transferred balances. Easier scheduling: After you consolidate your...
Just as there is no single best credit card for everyone, there is no perfect number of credit cards to have. It depends on your needs and how much effort you want to put into managing your credit cards. There's no limit to how many cards you can have. Each lender evaluates your cre...
There are a number of advantages to securing a home equity line of credit if you need access to cash for a project or another goal. First, a home equity line of credit may be tax-deductible. Also, HELOC’s are very flexible, you access only the money that you need with checks or ca...
Limited international acceptanceIf you plan to hold only one credit card but want to travel abroad, this card may not be a good pick because of American Express’s limited worldwide acceptance. It doesn’t charge foreign transaction fees, which is great, but this is a useless benefit if ...
alternative data hasn't displaced credit scores not all alternative methods will pass muster with regulators and gain widespread acceptance with lenders. social media feeds, for example, showed some early promise, but enthusiasm for that idea waned once lenders considered the regulatory hurdles. “no...
After the court hearing I attempted to offer a verbal settlement to their subcontractor attorney for $2.5k (considering I was receiving settlement letters from Asset Acceptance for around $5k) however he advised me that he didn’t have the authority to accept anything less then 70%. Recently ...
Incentives and gaming in a nonlinear compensation scheme: evidence from North American auto dealership transaction data The results suggest that: (1) salespeople adjust their effort levels in response to the intensity of incentives; and (2) they game the system by ... Hideo,Owan,Tsuyoshi,... ...
The first time the farmer jumps from plan A3 to plan B3 is the option [number should be: 0–10]; let the farmer take any set of plans for the actual experiment. The payoff to the farmer is [amount in table * 0.1]. 3. The experimental scenario of “Interlinked insurance and credit ...
𝐾𝑖Ki denotes the maximum environmental capacity, 𝑎𝑖𝑗aij denotes the payoff of strategy 𝑖i when strategy 𝑖i and strategy 𝑗j are played (𝑎𝑖𝑗>0aij>0), and 𝑥𝑇=∑𝑛𝑖=1𝑥𝑖xT=∑i=1nxi denotes the total number of all selector populations for strategy...