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What’s in Your FICO Score?

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Part 1 of a Credit Score Series

FICO® Scores are calculated from different credit information sources in your credit report. There are five classes of categories (see below). The percentages in the categories below indicate the importance of each in your FICO Score calculation. FICO Scores factor in both positive and...

Moe Hirsch Brings Safety to Heating and Cooling Your Home

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In the words of rags-to-riches entrepreneur Jim Rhone: “Formal education will make you a living; self-education will make you a fortune!” Moe Hirsch of Rockland County subscribes to this formula. Even before opening his own business five years ago, Hirsch made it a point to continue his education on his own terms through trade organizations and manufacturer-sponsored training. The level of detail and product-specific knowledge he has acquired on his own allow him to offer what he calls “specialty heating” to his clients and the general public.

Moe’s Plumbing and Heating attracts many Orthodox households in New York and New Jersey. Moe’s mission is to inform his client base...

Kivi Bernhard to Deliver Keynote Address at J-Biz Expo and Business Conference

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It is the fascinating tale of a young frum entrepreneur who turned his childhood experiences tracking predatory animals around his native Johannesburg into a business philosophy that placed him onto the highest echelons of the speakers’ circuit for Microsoft and other corporate giants around the world.

On June 1, Kivi Bernhard will be at the 2016 J-Biz Expo and Business Conference in the New Jersey Convention and Exposition Center, delivering the keynote address.

Kivi, who currently resides in Atlanta, turned $800 into a multimillion dollar diamond business. His book, Leopardology: The Hunt for Profit in a Tough Global Economy, which teaches positive business skills based on the...

Massive 2016 J-Biz Expo Launched at VIP Anniversary Celebration of Orthodox Jewish Chamber of Commerce

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Once you were a few short minutes off Exit 114 on the Garden State Parkway, you knew you were going somewhere special.

The Bell Works Building in Holmdel, New Jersey, is essentially a high-end city of its own. With over two million square feet of space, and cavernous parking lots and roads surrounding it, you feel business innovation and energy upon approach.

On Thursday evening, the path through the main entrance to the building was adorned by decorative lanterns, and straight ahead through the massive lobby was a VIP gathering to celebrate the first anniversary of the founding of the Orthodox Jewish Chamber of Commerce (OJC), and the official launch of the 2016 J-Biz Expo.


Durable Goods and Zero-Interest Loans

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A frequently overlooked topic in discussions about personal finance is how to best purchase durable goods. Durable goods are products that don’t have to be purchased frequently, usually last for longer periods and are typically kept for five years or more. This definition encompasses a wide range of items such as automobiles, appliances, home and office furnishings, lawn and garden equipment, consumer electronics, tools, sporting goods, photographic equipment and jewelry.

Since purchase prices for some durable goods can be pretty steep, most Americans can’t simply pay for them out of their monthly discretionary income. So even if they involve economic essentials, like buying a car or...

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