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When you apply for a credit card, banks and lenders assess your ability to borrow responsibly. The major factors they consider are: Credit history: Your past repayment behavior indicates how reliable you are with debt. Late or missed payments can hurt approval chances. Credit score: A numerical summary of your creditworthiness, usually ranging from 300 to 900 in Canada. Higher scores improve…

Credit card interest rates often surprise people with how steep they are compared to other types of loans. These are the key factors: Unsecured debt: Credit cards don’t require collateral, meaning banks take on more risk if you don’t pay. Higher interest helps cover that risk. Revolving credit: Unlike a fixed loan, you can borrow, repay, and borrow again. The flexibility comes at a cost. High…

Online criticism is part of the price of putting ourselves out there. I’ve witnessed this directly, both in my personal experiences and through coaching young people and adults. Many of them struggle deeply with negative comments online. Occasionally, when I publish an article or share a thought, instead of responding constructively, someone chooses to criticize. In this article, I share three…

A very common question in personal finance is: Is a credit card really necessary? There’s no single answer for all. It depends on your goals, your spending habits, and your ability to manage money responsibly. In the lines that follow, I will outline both perspectives, concluding with a synthesis to help you make your decision. The Case for Having a Credit Card A credit card can be a powerful…

Using “do my best” as an excuse for inaction is a common pitfall in personal and professional settings, often masking a lack of commitment or initiative. While intending to convey dedication and effort, relying on this phrase can inadvertently excuse subpar outcomes or missed deadlines. Rather than using it as a backup plan, it is essential to establish specific goals, define measurable…

During one of my speaking engagements on how to develop one’s passion at National Tsinghua University in Taiwan, a student raised his hand and asked a question that caught me completely off guard. He asked, “What is the difference between a passion and a hobby?” It sounded like a simple question. After all, I had actually written about this idea before in many of my articles. Yet, standing…

To achieve maximum productivity, focus on achieving 80% of your to-do list. This approach embraces the principle of prioritizing tasks and recognizing that striving for absolute perfection can be counterproductive. You can maintain momentum, reduce stress, and achieve a balanced workload by aiming to complete the most critical and impactful 80% of your tasks. By using this strategy, you can…

Missing a credit card payment may seem like a minor issue—especially if it’s just one payment—but it can trigger a chain of financial consequences that grows more serious over time. To know what occurs if your credit card isn’t paid is key for sustaining good fiscal health. 1. Higher Interest Rates As soon as you miss a payment, most credit card companies will increase your interest rate to the…

Alex Honnold (艾力克斯・霍諾德)攀登台北101這座世界最高建築之一時，許多人只能屏息凝視、難以置信。沒有繩索，沒有任何安全裝備，只有極致的精準、沉著，以及多年淬鍊而來的技術與專注。這不是一場表演，而是一場對人類極限的安靜挑戰。 台北101 高約508公尺，約1667英尺，於2004年完工，曾多年保持全球最高建築的紀錄。為了抵禦颱風與地震而設計的結構，本就不是為「攀登」而存在。從高度來看，它相當於101層樓垂直堆疊，比艾菲爾鐵塔更高，幾乎等同於五個足球場向上疊加的距離。單憑體能、平衡與心理穩定性完成這樣的攀登，本身就已超越常理。 對我而言，這一刻格外觸動人心。早在2021年，我就在 Complete Makeover: A Seven-Step Process to Transforming Your…

When Alex Honnold scaled Taipei 101, one of the tallest structures in the world, many of us watched in absolute awe. No ropes. No safety equipment. Just precision, calm, and mastery. Taipei 101 rises approximately 508 meters high, which is about 1,667 feet, and was completed in 2004, holding the title of the world’s tallest building for several years. To put that height into perspective, Taipei…

In this time of great need, we must find ways to rejuvenate, ease our worries, and prioritize self-care. Embrace the pursuit of wondrous moments by actively seeking experiences that ignite curiosity and inspire awe. Whether it’s exploring the beauty of nature, immersing yourself in art and culture, or simply taking a moment to appreciate the small, everyday miracles around you, these moments of…

If you’ve been coaching for any length of time, you’ve heard it countless times: “I don’t know.” As an ICF-certified life coach who has been coaching since 2016, I used to see this phrase as a wall. A dead end. Something I needed to push past quickly so the session wouldn’t stall. Today, I see it very differently. “I don’t know” is not resistance. It’s information. Over the years—working…

Birthdays are meant to be joyous moments, brimming with festivities and contemplation. Still, some individuals can experience sadness or anxiety during this crucial milestone. If you’re struggling with birthday depression, remember that you’re not alone and there are ways to cope with these feelings. This guide will cover ten practical strategies to help you cope with birthday blues and find joy…

Dealing with a know-it-all employee requires a delicate balance of diplomacy and assertiveness. Firstly, it’s essential to acknowledge their knowledge and contributions positively, which helps maintain their confidence. Secondly, gently redirect their behavior by encouraging collaboration and a willingness to consider different viewpoints, emphasizing that learning is a continuous process.…

Breaking the pattern of spreading rumors at work begins with cultivating a culture of respect and open communication. Start by setting a personal example; refrain from engaging in gossip and discourage others from doing so. Address any concerns directly with the individuals involved, rather than discussing them behind their backs. Promote a positive atmosphere that encourages employees to share…

During my time working as a customer service representative, I was often asked questions about credit card interest rates. Two of the most common and sometimes confusing topics were: What’s the APR on purchases? And what’s the APR on cash advances? Here’s how I usually explained it. Purchases When you use your credit card for everyday spending like buying groceries, gas, or clothes, you’re…

Effective decision-making can be challenging, but asking the right questions can help guide you through the process. Here are five key questions to consider: 1. What Are the Possible Outcomes? Prior to making a decision, analyze the potential impacts. Consider both the positive and negative consequences. A thorough understanding of the hidden aftereffects will assist you in evaluating the…