Do you need to start or grow your business but have little money? Before you look to banks and similar sources of financing, why not bootstrap your way to business success?A bootstrap is a small loop of leather or other material that is found on the top rear or sides of a boot. The purpose of the bootstrap is to help you pull your boot on.In business, bootstrapping has come to mean helping oneself without seeking outside help. It means using your...more
Starting and operating your own home based business is the ultimate tax shelter.Although this article has been written from a Canadian income tax perspective, the principles should be practical in other tax jurisdictions.1. Non-Deductible Personal Living ExpensesAll of us have expenses that we incur in everyday living.Either you rent an apartment or house or you own your residence. Utilities, insurance, rent, mortgage interest, property taxes,...more
Possibly not, it is feasible to everyone to have the taste of the things around- convenience costs. And for, loans emerge as financial saviour; the lending authority has come with providing the facility at individuals' door steps. The personal unsecured loans are such loans which not only evade the borrowers from any kind of property repossession threat, but also contain an ample amount for various personal purposes of an individual. For, the amount raised by the lending authority under the personal unsecured loans is £5, 000; this amount can be further increased up to £25, 000 too. With the amount, borrowers are free to invest the amount as they wish to. Home renovation and improvement, children's higher education, infrastructural development at ones business are some of the benefits of the personal unsecured loans. And, borrowers get these benefits for a period ranges in between 5-10 years. Personal unsecured loans are more expensive in terms of interest rate charge upon, than other loans, and the repayment periods are shorter too. Nevertheless, it should be kept in mind that the interest rates, repayment terms and amount vary according to the financial situation and status,...more
Credit cards getting you down at the moment, wish there was a way to ease the burden for a short while and save yourself some money in the process, well read on and find out how. Balance transfers could be the answer to your prayers, some of the introductory deals on balance transfers are really good, some are offering 0% interest rates for a free...more
Virtually all mortgage borrowers go with a mainstream UK lender to make the biggest purchase of their lives, it's the done thing and to be honest most people don't realise there is a viable alternative - the foreign currency mortgage. Interest rates are reasonably healthy in the UK at the moment, particularly in comparison with the 1980s, however...more
There are a number of factors that will effect the credit card rates you will be offered by credit card providers. Credit card providers never offer the same credit card interest rate to all of their customers, but using complex calculations of risk assessment and credit worthiness, they set a number of different rate bands, and then place each applicant for credit in the appropriate rate band depending on the factors they used. The main method they use to assess the rate they wish to place you at is your credit score. This is a rating calculated by credit reference companies and is based on factors such as:-Your Income-The length of time you've held your job-The length of time you've lived at your present address-The value of your home-Whether you own or rent your home-The amount you currently owe-Whether or not you pay your bills on time and in full. There are other factors too that will be taken into account. These will all be added up to paint an overall picture of you and your financial habits and health. If this score is then deemed to be good, you will fall into one of the lender's low risk bands and will be offered credit on favourable terms and with lower rates of...more
The competition between credit card companies is getting fierce. Many credit card companies are offering special incentives to get you to sign up for their card. 0% APR is one deal that many credit card companies are using. These 0% APR credit...more
1. Why Start Your Own Affiliate Program?Multiple web sites and distributors selling your product can result in increased sales and profits. Unlike conventional advertising, affiliate programs pay only for performance. Commissions are not paid out...more
Cash back credit cards are a fantastic way for you to make some cash, while spending on your credit card, though it does only suit the customers who pay their bill in full at the end of each month.A cash back credit card will give you the chance to...more
Credit card rates are the biggest factor in credit card debt. High rates make it harder to pay down the debt. Searching for the best credit card rates can be confusing and frustrating. There are so many terms and catches that it can be very hard...more
Applying for a credit card is more than filling out a form and signing your name. It is very important to understand the responsibility behind a credit card. Credit cards are responsible for many people falling into debt and ending up with credit...more
Is there a trend in stock and option trading? Let's start of by defining a trend. A trend is simply the general direction of the market. The market can only move in 3 directions - up, down or sideways. It is as simple as that.For directional...more