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A few years ago, I interviewed the author and cultural jedi Malcolm Gladwell and the conversation digressed on to first impressions. Gladwell was explaining, in trademark style, that he was no fan of job interviews – in fact, if he were to employ an assistant, he would take the CVs of the applicants, excise the ones that were clearly inappropriate, and then make the selection from a hat. “You pretend that you can make all these insights from meeting someone, but you’re lying to yourself,” he concluded. “We are too much in love with generating the impression from the person.”

I am reminded of this point when I meet Errol Damelin, the founder of short-term lender Wonga. In the mid-2000s, he made a realisation similar to Gladwell’s, but took his conclusions in a very different direction. A

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As debit cards lose their shine, credit cards bounce back by Peter Andrew

You probably wont like it, but next month sees the implementation of the Federal Reserves new regulations concerning swipe (also known as interchange) fees. These fees are the cut of each transaction value that a merchant has to pay to your bank or credit card company every time a debit or credit card is swiped in their store. The Feds new rule imposes a cap on the amount that banks get when you use a debit card.

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Tags: Back, Bounce Back, Cards Bounce, Cards Bounce Back

Starting a credit repair business is no laughing matter. You must make sure you are compliant with federal and state laws regarding credit repair businesses. The penalties for running an unscrupulous credit repair business are very harsh. The government is in the middle of cracking down on scam artists, who promise unsuspecting clients that they are indeed legitimate credit repair businesses with the ability to reconstruct their credit profile within 30 days. The only thing these individuals do is charge a large upfront fee, and then disappear! They are out to scam as many innocent people as they can. As you can imagine, this has given the legitimate credit repair businesses somewhat of a “black eye”

Starting a credit repair business can be a very profitable decision, but you must follow the guidelines laid down by the Congress’ Credit Repair Organizations Act. Here

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Tags: Business, Credit Repair, Credit Repair Business, Repair Business