Patience Degarmonic

Understanding Credit Scores Credit scores play a crucial role in financial health. Lenders use these scores to determine creditworthiness. Three major credit bureaus—Equifax, Experian, and TransUnion—calculate scores based on credit reports. Credit scores range from 300 to 850. Scores over 700 are considered good, while those above 800 are excellent. Several key factors influence these […]

The Evolution of E-Commerce E-commerce has come a long way since its inception. Initially, online shopping was a novelty. Few companies invested heavily in digital platforms. Over time, technological advancements and changing consumer preferences drove rapid growth. Internet penetration played a crucial role as more people gained online access. The launch of Amazon in 1995

Current State of the Workforce Today’s workforce is more diverse and dynamic due to the influence of technology and evolving expectations. Remote work has become a standard, not just an option, with 58% of American employees working remotely at least part-time. This shift challenges companies to adapt management practices. Diversity and inclusion efforts have gained