There are very few people who enjoy professional networking events. Sure, some people love them because they like to be the life of the party and to meet others in their field who will appreciate this quality about them. But most people find these professional events to be a social obligation that's moderately enjoyable at best. One of the main reasons for this is that many professionals really don't know what to talk about with others during...more
You have almost certainly received a credit card 0 apr offer in your mailbox or email inbox. Some people apply for every 0 apr credit card that comes their way. Others opt to avoid applying for these cards altogether. What both types of people will find is that there are good offers and bad offers when it comes to 0 apr credit cards. More importantly, there are things that you can do to maximize the benefit that you get from these credit cards....more
Nobody likes tax time. This is particularly true for the small business owner who has to deal with business taxes in addition to personal taxes. However, there are things that you can do throughout the year to reduce the stress that is felt at tax time. One of those things is to use a business credit card for all purchases that are made throughout the year. This keeps expenses easily organized and reduces the time that you'll spend trying to sort your business expenses from your personal expenses.The Importance of Business Credit CardsEvery good business uses business credit cards. If you're a small business owner who doesn't yet have a business credit card, it's imperative that you get one. The business credit card makes it easier for you to make purchases and to keep those purchases organized. It also lends credibility to your business even if you're just a one-man operation. Consider going to lunch with a client and using cash to pay the bill. You look a lot more professional if you take out a business credit card to cover the cost.Using a Business Credit Card WiselyAssuming that you understand the importance of business credit cards and already have one, you should learn to...more
It's a little bit exciting to get credit card cash back money. After all, you already made those credit card purchases and forgot about them so it's not like you're really expecting to get anything else. The cash back credit card offers you a little bit of a reward in addition to your purchase so that you can have some spending money in your...more
Many people apply for credit cards hoping to get a very high credit limit. What they often find is that the credit limit that they qualify for is considerably lower than what they had anticipated. This can be frustrating for people who want to consolidate their debt or who want to be able to use only one card for all of their purchases. One way...more
Money back credit cards are a great invention. They are a way for consumers to save money on every purchase that they make by getting a percentage of the purchase back from their credit card company at the end of the billing cycle. Most consumers who have a money back credit card are satisfied with this benefit. But those consumers that are really smart with their money can actually benefit a lot more from the use of their money back credit cards.Creating a Money Back Savings AccountThe way to really get a good chunk of money from your money back credit cards is to create a savings account using the money that you get back from your purchases. Instead of just leaving that money sitting on your card, cash out and put it in a savings account at your local bank. This will allow that money to generate interest which isn't going to be the case if it's just sitting on your money back credit card. By putting the money into savings, you actually make that money useful to you.Match your own Money BackTo really cause your savings to grow, you should challenge yourself to match your money back credit card savings each month. In other words, let's say that you spent $1000 on a card that gives...more
A zero interest credit card is clearly an obvious opportunity to save money. Several credit card companies offer programs where you do not have to pay interest, or finance charges, on the line of credit. In nearly all of these situations, the zero...more
A no interest credit card seems like a good thing, and it can be, when used correctly. There are many examples of credit card companies providing this type of introductory 0 APR offer. These lines may be an ideal way to save money on finance...more
Nobody likes tax time. This is particularly true for the small business owner who has to deal with business taxes in addition to personal taxes. However, there are things that you can do throughout the year to reduce the stress that is felt at tax...more
You have almost certainly received a credit card 0 apr offer in your mailbox or email inbox. Some people apply for every 0 apr credit card that comes their way. Others opt to avoid applying for these cards altogether. What both types of people will...more
It's a little bit exciting to get credit card cash back money. After all, you already made those credit card purchases and forgot about them so it's not like you're really expecting to get anything else. The cash back credit card offers you a little...more
To paraphrase an old saying, "When the going gets tough, retailers start slashing operational costs." Ironically, cost slashing usually exposes a retailer to even greater risks instead of fortifying it against economic uncertainties. All businesses...more