For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider will in fact be charging them various fees. For others it may not be true at all as they have to pay a monthly or annual fee for their credit card....more
To save money on your credit cards, doesn't always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better deal than the one that you are getting at present.This should be your first step if you are looking to get a better deal, but are unsure, as you are more than happy with the service that your...more
If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to a number of questions; what credit information is collected about you, where does it come from and how bad must your credit history be for it to be labelled as "adverse"? It's the credit agencies like Equifax and Experian which collate information about you and then process it. They are then legally entitled to sell the information to anyone with an authorised purpose as defined by Law. This includes banks, building societies, credit card companies, other lenders, landlords, employers, any government agency and anyone you have ordered a product or service. And you'll be simply astounded what information the credit agencies hold about you! A typical computer file will store your name, address, date of birth and social security number. It will also include your previous addresses, whether you are registered on the voters' roll, details of your current and previous employers. They also hold crucial information relating to...more
If your business is not using eBay and other Internet auctions, you could be missing out. Here are just a few ways of generating additional income, profits and cashflow from online auctions.1. Convert Excess Assets to CashSell personal or business items that you no longer use. For example, are there slow moving inventoryitems in your store? A major...more
Sometimes consultants and other service providers are hesitant to charge a fair rate for their services.Maybe they feel that the services they provide are so basic that you really can't justify charging much or anything for them. Perhaps they feel that they don't have the knowledge or experience that other consultants have. Thus, they...more
Are you worried about your credit card or debt card being stolen? You're not alone, it's estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying for services and goods. It gives the criminals many more chances too get our information from our cards.Credit card fraud is not new, the companies seem to be getting a head on how to stop the criminals, and then they come up with a new way it's a never-ending problem. Credit card skimming is just one of the problems, that is where they take the information from the magnetic strip and transfer it on to another card. The companies are trying hard to fight back, they have hit back with the chip & pin card, which seems to be reducing fraud but give it time no doubt the criminals will find a way around that.There are ways to help yourself with credit and debt card fraud, below are some useful tips in keeping the criminals at bay.· Never let your credit or debt card out of your sight· Never keep your Pin number with your card· Don't give your Pin number out to anyone·...more
The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most...more
The IT revolution can still change the destiny of Pakistan, but will require a readjustment of the sights. This readjustment will require her to work with what she has, and not what she currently doesn't!Pakistan has been unable to produce...more
Raising money for your business can be very challenging especially if you are not the type of person who is comfortable marketing your business ideas. If you are one of those people who are not really very good at communicating you ideas verbally, it...more
The typical American household budget percentage breakdown looks like the list below. For most of the categories a range is shown. A range makes more sense to help you see where your personal budget fits (or doesn't fit.) If your budget...more
Do you want a solution to all your financing, accounting and bookkeeping problems? If yes then New Jersey Bookkeeping is your destination for inclusive financing, accounting and bookkeeping outsourcing services. Bookkeeping and accounting are the...more
The problem with some business ideas is their cost. To manufacture and market a product you have invented could cost you millions of dollars. The investment in machinery, buildings, inventory and other expenditures could bankrupt you before your...more