With interest rates at all-time lows, many people are considering whether or not to refinance their home loan. Generally speaking, if you bought your home with a higher interest rate loan, have an excellent credit history and always pay your bills on time, refinancing your home loan might be a sensible option. However, regardless of your initial situation it always pays to do a little research, and the following suggestions will help you to...more
Deb Clifford, founder of Inspired People in the Greater Hartford Area, predicts Blue Ribbon businesses will find the recipe that blends the best ingredients in the proper amounts in 2006. The food metaphor seems fitting for this year's people predictions. It is the holiday season. Folks can relate to cooking.How was your holiday meal? If it was delicious Â…congratulations. If it was less than satisfactory, what went wrong? Businesses...more
Mano y mano, which one is better do you think - a credit card with low, ongoing APR or one that offers 0% APR as an intro rate?There are so many types of credit cards that offer all sorts of promotions and rewards that it's definitely hard for a consumer to pinpoint which one would best suit their wants, needs and present financial situation. If, however, you've already managed to reduce your choices to just two and the battle's simply between the low ongoing APR credit card and the 0% APR intro rate credit card then here are several tips to help you determine which one is the best credit card for you.Are You Planning To Buy Anything Expensive - Yes, the words zero percent can certainly be dazzling to the eye but is it something you really need? If you're planning to buy something very much expensive and that's beyond your budget then yes, it might be better if you go for a 0% APR intro rate credit card - just as long as you're sure you'll be able to pay off the full amount before the introductory period is over. Because if you can't and you don't, then what's the use of having 0% APR in the first place?How Long Does The...more
Every online dream begins with the vision of opening your email box and "like magic" the money comes rolling in. It's true -- building a passive income is your key to earning more money without working harder. While it's unlikely you'll earn millions overnight, building a passive income is a smart way to supplement your existing...more
An accountant is a professional who keeps track of the financial records of a business or an individual. There are a number of individuals and businesses who use the services of an accountant all year round. There are other individuals who only hire an accountant to help get all of their finances in order before their tax returns are due. There are...more
Whether you own a credit card that offers reward points, a credit card with a low ongoing APR or one with a 0% APR intro rate, it helps - and pays - to act smart with your credit card usage. If and when you own a credit card, it's not just simply a matter of swiping and paying off bills. There are ways to maximize the promotional offers and rewards of your credit card and we're here to teach you how to be a smart credit card owner.The Zero Percent (0%) APR Intro Rate Credit Card - So, you've been approached by a credit card representative offering you this type of credit card, have you? He made it all sound so simple and wonderful, didn't he? Or maybe, you accidentally came across a credit card website and you found yourself mesmerized with the words zero percent. Whatever the case, here's the truth about 0% APR intro rate credit cards - it's not what everybody needs. That's right. Even if it does promises to give you 0% APR on your credit card purchases, keep in mind that this is an intro rate we're talking about. And this means that if the introductory period is over - and the coverage is usually between three to fifteen months, tops - then...more
Financial security is something we all strive for, well most of us anyway. Some people are perfectly content living paycheck to paycheck and claiming their house is their savings. Part of me wishes I could be that relaxed to have such a laid back...more
A sales tax is a tax that is placed on the purchases of goods or services. The federal government does not have a national sales tax. Qualifying products or services are only taxable by a particular state government. Each state has the ability to...more
Each year there are millions of Americans who prepare their own federal and state tax returns and even more individuals have their taxes professionally prepared. Whatever choice a taxpayer makes there are a number of important tax tips that everyone...more
There is a great range in rates for commercial surety bonds these days. Principals can see premiums range from 1-15% of the amount of the bond. Even a small bond at 15% can be extremely costly. In part 1 of 2 of this article, we will review what...more
Office Design TipsWherever you work, at a home office or at a work office, your office working experience depends entirely on its design and productivity. If you ask any experts, they will tell you that your office environment and ambience can tell a...more
You've finally come to that stage in life when you can afford to own a credit card, not as a supplementary cardholder but as the principal cardholder. Finally, you've earned the right to have a credit card in your own name and to be able to...more