About Us
The Tech & Wealth Academy
Tech & Wealth Academy (TWA) empowers individuals to harness technology as a driver of wealth. By merging financial insight with the innovations shaping today’s economy, we deliver research-backed guidance, tools, and strategies. From building financial foundations to exploring tech-enabled opportunities, we simplify complexity and unlock pathways to sustainable prosperity.
Time Wise LLC
At Time Wise, LLC, we help contractors and small business owners manage their daily tasks and increase their productivity. That's our vision and purpose... Like many great ideas, Time Wise was founded to address common issues. Our services include calendar management & scheduling, answering service, and invoicing.
EZ-Home-123
Born out of a sense of social responsibility, EZ-Home-123 helps property investors drive greater success through different co-investment, oversight, managerial, and other value-additive approaches. The company also creates/cocreates tiny-homes, ADU's and alike - keeping costs low to help others is a cornerstone of EZ-Home-123's mission.
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The Bridge to Better
Bridging the worlds of technology & wealth, and packed full of intelligence. On a quest to arm anyone who wants to know and everyone who needs to know, with just what it takes to be financially savvy here in the U.S., all whilst making the most of technology as a tool and as an investment in itself.
Understanding Credit in the U.S.
In the U.S., your credit history and credit score determine how easily you can borrow, rent an apartment, buy a car, or even get certain jobs. Your credit score is a number (generally 300–850) that reflects how responsibly you’ve managed debt.
Why It Matters:
Lenders use it to decide if they’ll approve you and at what interest rate.
A strong score saves money over time.
Without credit history, newcomers often face high interest rates or denials.
How to start building credit:
Open a secured credit card (requires a deposit you borrow against).
Ask a trusted friend or family member to add you as an authorized user on their account.
Open a credit-builder loan with certain banks or credit unions.
Always pay bills on time — even cell phone and utilities can help when reported.
Premium Content Available: Detailed Formula & Strategies
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The Credit Score Formula (Build & Protect Your Score)
Your FICO score (the most widely used model) is based on five main factors:
Factor Weight What It Means How to Optimize Common Mistakes
Payment History 35% Whether you pay on time Always pay at least the minimum by the due date Missing or late payments, collections
Credit Utilization 30% % of credit used vs. available Keep balances below 30% of your limit (ideally <10%) Maxing out cards, carrying large balances
Length of Credit History 15% Age of oldest account & average age Keep older accounts open; start early Closing old accounts unnecessarily
Credit Mix 10% Variety of credit types (cards, loans, mortgage, auto) Use different forms of credit responsibly Relying only on one type
New Credit / Inquiries 10% How often you apply for credit Apply only when needed; space applications out Multiple hard inquiries in short time
Premium Content Available: Practical Tips
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Premium Content Available: Recovery Strategies
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Premium Content Available: Example Path
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Time Is On Your Side
We Can Help
1. Most people & businesses just don't have the time to 'shop around' for the best price or to find a company with availability at the right time on the right day.
2. Administrative tasks monopolize too much time & are just too tedious for most business owners to bear, and employing admin' staff is simply too costly.
Why Use Time Wise To Find Your Help?
Specialists On Staff
An Experienced Network
An Experienced Network
We have the latest equipment and highly experienced staff, all to ensure your job is done right, and right on time.
An Experienced Network
An Experienced Network
An Experienced Network
Don't wait on us - if we are booked at the time and on the day you need help, we will send one of our trusted partners for you.
1,2,3 Cost Structure
An Experienced Network
1,2,3 Cost Structure
To make it easy to 'give us a go', we offer a highly attractive introductory offer, and a generous incentives program.
Join Us
Administrative Services
Apply for one or more of our fantastic service offerings:
1. Scheduling/Calendar Management
2. Phone/Answering Services
3. Billing/Invoicing
(Click "Contact Us" to request our Client Agreement)
Oh So Simple
EZ-Home-123
Co-Investment
Co-Investment
Co-Investment
co-investment, oversight, managerial, and other value-additive approaches. The company also creates/cocreates tiny-homes, ADU's and alike
Oversight
Co-Investment
Co-Investment
Our secretarial team can assist you with document preparation, including typing, formatting, proofreading, and editing. We can help you create professional documents that are error-free and tailored to meet your specific needs.
Managerial
Co-Investment
Managerial
We offer transcription services for all types of audio and video content. Our team of experienced transcribers can accurately transcribe your content and deliver it in the format of your choice.
Tiny Homes
Other Opportunities
Managerial
Helping you find, design, build and/or modify your "little piece of paradise". It's all about quality of life - where you are, what you do, and who you do it all with.
ADUs
Other Opportunities
Other Opportunities
Whether your parents are moving in, but still want their own space, your art studio is calling, or you just want a she-shed, we have you covered.
Other Opportunities
Other Opportunities
Other Opportunities
Let's chat - a short discovery call will enable a draft proposal, and from there we work as one to tweak, revise or rebuild 'til we find the best approach for you!