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Kristy Johnson
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- Owings Mills
- United States
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Kristy Johnson's Page
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- Where do you live?
- Owings Mills Maryland
- What best classifies you or your business?
- established business (1-3 years)
- Website Address: (If none, then leave blank)
- http://www.shepreneur.com
About Kristy Johnson Editor of Shepreneur Magazine
Shepreneur Magazine on sale for the month of December only $7.99
Kristy Johnson is the founder of Shepreneur Magazine9 www.shepreneur.com). Shepreneur is designed for African American business and executive women. Kristy Johnson supports and matures black women in achieving their ambitions with regard to leadership to the potential that lies within them. Kristy leads and teaches African American women about their unleashed prospective in Black America. Kristy shows African American women how to engage themselves with people who matter most, focusing on a cohesive plan that builds relationships with other black women.
Kristy Johnson is also the owner and broker of Omega Realty Group (www.omegahometeam.com) a residential real estate firm in Maryland, achieving many awards within her industry. Helping homeowners save their home from foreclosure and preserve their credit has been a mission of Kristy’s before the economic crisis. Kristy Johnson is very active in her community as an active member of the Greater Baltimore Board of Realtors, Maryland Association of Realtors where she sits on several committees.
Graceful and dignified, as she aspires and aims to leave a legacy for her daughters. Kristy Johnson seeks advice from Oprah Winfrey and Michelle Obama through reading, listen, and watching the success in their lives. Kristy Johnson believes in giving back and teaches her children that the blessings in life are meaningless if you can’t be a blessing to someone else.
Kristy Johnson is the founder of Shepreneur Magazine9 www.shepreneur.com). Shepreneur is designed for African American business and executive women. Kristy Johnson supports and matures black women in achieving their ambitions with regard to leadership to the potential that lies within them. Kristy leads and teaches African American women about their unleashed prospective in Black America. Kristy shows African American women how to engage themselves with people who matter most, focusing on a cohesive plan that builds relationships with other black women.
Kristy Johnson is also the owner and broker of Omega Realty Group (www.omegahometeam.com) a residential real estate firm in Maryland, achieving many awards within her industry. Helping homeowners save their home from foreclosure and preserve their credit has been a mission of Kristy’s before the economic crisis. Kristy Johnson is very active in her community as an active member of the Greater Baltimore Board of Realtors, Maryland Association of Realtors where she sits on several committees.
Graceful and dignified, as she aspires and aims to leave a legacy for her daughters. Kristy Johnson seeks advice from Oprah Winfrey and Michelle Obama through reading, listen, and watching the success in their lives. Kristy Johnson believes in giving back and teaches her children that the blessings in life are meaningless if you can’t be a blessing to someone else.
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Whether it was about being busy, lazy or uncertain - I think we've all been guilty of delaying our replies. But there's someone I know who has never been late in answering back - my Dog brocard is a labradore and i have to learn alot from him!.
I felt that my leadership traits and working style do not match with the people at the ecademy.
By now, people might be thinking that joe obviously has tons and tons of FREE TIME on him! Truth be told, I have quite a number of concept presentation deadlines to beat. In fact, I almost never leave my chair the whole day.
with all honestly, I'm a bit insecure about my writing. and I don't think my writing could measure up to the sharpness of the semantics and grammar.
It's writing as ME! the project in the first place.... Hahaha.
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How are you doing? I'm doing great? How has your business been doing? Mine, is doing so so in this awful economy. Hopefully it will pick up soon. Meanwhile I've been into a business that everyone uses and it pays you to use it.
Kristy M. Reisinger
Kristy's Gifts & More
Kristy.Reisinger@yahoo.com
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The dangers of a secured credit card
A secured credit card is used only for the purpose of rebuilding your credit. Most banks will charge you a start up fee for the card. This fee can range from $20.00 to $200.00.
The consumer is paying to have a credit card that will charge them interest on their own money. A secured card reports to your credit card just like a real credit card. In some cases it will show secured, but not often. This depends on the company that you get the card from.
My question to many consumer is why would you want to pay interest on your own money? This makes no sense at all. Also, why would you use a card that will lower your credit score when you use it? Most secured credit cards have a minimum deposit of $200.00 or $300.00 deposit. So, when you use more than half of the limit, your score will go down.
More dangers to beware of below:
The company will charge you a high interest rate.
The company will charge you a set up fee, just for the card.
The company will charge you a late fee on your own money if you don’t make the payment on time.
The company will report you late on your own money when you miss a payment on your money.
The only way a secured card will benefit you is when you do not use the card. Let the card work to your advantage. Let the bank pay you money on the secured card, so you gain money. If you are trying to REBUILD your credit this is an excellent way to rebuild your score and make money.
However, you want to use the card to your advantage and the intended purpose. My advice would be to use a secured card like a saving account. Dump any money on the card that you want to save for about a year or longer, just enough for you to rebuild your credit.
Next, pull all your money off the card and close the account (all at once). Remember, the key to credit is playing the credit game. If you do not know the rules, you will loose.
The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.
Last, make sure you get a secured card that has a good interest rate, so you earn more money. Also, one that has a maximum high limit. For example, you can put up to $5,000.00 on some secure credit cards. Most cards have a set limit on how much you can put on the card. So get one that you will benefit from. More blogs like this at www.creditadviseforyou.com
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Sincerely,
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Dorothy M. Neddermeyer, PhD
www.drdorothy.net
"Life is ten percent what you experience and ninety percent how you respond to it." Dorothy M. Neddermeyer, PhD
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