Travel reward credit cards are only a great benefit if you travel frequently. While that may seem trite it needs to be said. You may think, "what a great idea - travel reward credit cards. I might want to take a vacation next year." You're probably going to find that if you only travel once in awhile the benefit of the travel reward credit cards is offset by the higher APR (annual percentage rate) annual fee, or other charges clear or hidden....more
"I make a living online!"That's a statement right? Right!But is it a statement of fact?Who knows?Well, I do because I know it's true, but how do you know I'm telling the truth?You don't of course. But there are some things you can look for that will help you decide.How often have you seen something like: "Make a ton of cash - now!No sellingNo MLMNo stock to buyNo customers to deal withJoin our upside-down, instant-cash matrix now and get rich!It...more
Free credit cards - what a concept! We're all enticed by the very word free. The more common term for free credit cards, however, is 0% (or zero percent) APR credit cards. APR stands for annual percentage rate. In other words, free credit cards can refer to those that charge you no interest on the purchases you make with them. Years, and decades ago, the APR was standard no matter which card you chose, and which financial provider. The APR simply depended on the bank rates, which in turn were influenced by the federal reserve. 18 percent was then a fairly standard APR. This was clearly not a time when free credit cards abounded and, in fact, competition wasn't very frenetic, because the rate was the same no matter which card you chose. Then, however, monoline banks came into being. These banks, unlike the traditional financial institution that accepted deposits and gave out loans, served simply as issuers of credit cards. These still didn't create free credit cards, but they did have a decreasing effect on credit card APR, because competition for credit card users started to become stiffer. Nowadays, unlike the past decades, you're almost certain to find introductory promotional...more
My world got smaller, my business grew five times over, and I got talking.I'm a web designer and I work wacky hours, push buttons on a computer, talk to a lot of people, send out email, drink coffee, like the Discovery Channel and enjoy running my own business. My business consists of working with people, helping businesses out, generating ideas,...more
Well, it is that time of year again, and everyone is full of resolutions. Let me guess - did yours include the words 'weight' (less of), 'money' (more of), 'job' (none of)? Well maybe it is time to think seriously about starting your own home based business, either part-time or as an alternative to the job that has seemed so dismal recently. The...more
Broker's have predicted that the housing market is set to bloom in 2006.After house prices dropping for 16 months in a row BBC news has reported that house prices are set to rise again in 2006, although gains will be small.Nationwide is said to be "cautiously optimistic" for 2006, after such a bad 2005, and say "Our expectation is that house price growth will remain firmly in low single digits in 2006 as the economy recovers"With house prices set to rise, how can you insure that you know how much you should pay, and how much is just over the top?The guardian this month printed a report (http://money.guardian.co.uk/property/story/0,,1669126,00.html) telling how many people were losing out by paying too much money for newly built property that they had purchased as an investment.It reported that valuations on new-build flats in Manchester were so inflated as to have "Monaco price tags".With house prices always rising how can a normal Joe like you and me know what "Monaco price tags" are, and ensure we don't get ripped off?There are ways out there - the internet is a powerful tool, and the best place to look for things that you just don't understand, or you just haven't been keeping...more
What does "Credit Score" mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders...more
There are a multitude of different lender types in the housing market and before refinancing or borrowing it pays to know who's who. Each option has it's pluses and minuses it comes down to choosing the person or institution that suits your needs and...more
Making a budget for a home business start-up is more of an art than it is a science. No matter how exactly you think you've pinned down all your expenses, it's guaranteed that more will appear that you either didn't think of or just couldn't have...more
When you're starting a business, you might wish for a lot of things, like having more than enough customers or not having to do marketing. But wishing is weak willed, having no momentum behind it. When you wish for something, you're not coming from...more
As you continue to build your small, local business, one of the easiest marketing approaches in attracting new customers is to embrace your community, while using your web site to gain recognition. A strong community presence brings about notoriety...more
With the levels of debt in America today many Americans should take a compulsory course in credit and debt management. Unfortunately, this ignorance in relation to positive credit management means many Americans are doing untold damage to their...more