Credit card fraud is a fast increasing crime in the world. International Credit Card holders are mostly the victims of this unauthorized access to their accounts. Let's take a closer look of the problems faced by international credit cards. 1. Repetitive use of credit card numbers. After a credit card number has been used and disregarded, say cancelled, credit card companies would reissue the same number to other cardholders. The personal...more
Since you are the customer, there must be a glut of credit card agents constantly hounding you day-in, day-out. They may try to cram all their pitches in hour long phone call marathons or minute long infomercials and may run the gamut of personalities from friendly to annoying, smart to eccentric. But how do you choose the right credit agent? Credit card agents are not just supposed to hawk credits cards. They are supposed to act as the middle...more
Tax-Definition.org ( http://www.tax-definition.org ) is announcing the following IRS Audit Tips-Tax Tips for IRS Audits: http://www.tax-definition.org/irs-audit/According to latest reports, the Internal Revenue Service, or IRS, is increasing the total number of income tax returns selected for audit. But it isn't as bad as it sounds, because the audit rate has actually gone down. On an average, the IRS audits around 1 percent Americans every year. That minimizes your chances for receiving an audit notice from the IRS, but doesn't completely rule it out.On your part, you need to ensure that your tax return doesn't attract unwarranted importance. This becomes more important if you've made some manipulations in your returns. Your objective should be to show your returns to be as normal as possible so that they mix in with the innumerable other returns. Still, many Americans do make the mistake of showing huge deductions or losses in their returns, which makes IRS audits inevitable.If you, too, have filed an income tax return that gets selected for IRS audit, then there are a few things that you need to remember. IRS audits are specifically targeted on those returns where the expected...more
Before you file bankruptcy, it is a good idea to look into other alternatives if at all possible. New bankruptcy laws make it more difficult to file than it used to be.Why Has Filing For Bankruptcy Doubled?From the period of 1994 to 2004, filing for bankruptcy has doubled. Bankruptcy filing has spun out of control with consumers being targeted with...more
Business if tough in today's world! Most small businesses go bankrupt or are closed abruptly in the first five years. Over the course of the next five years many of the remainders also "pack up" shop and lock their doors. Why do so many businesses fail?The reasons lie in three main spheres. Those spheres of influence can be labeled personal,...more
If you had asked me two years before my wife and I began our home catering business whether I would consider being my own boss, I would have laughed out loud and scoffed at the idea. The company I worked for seemed to be doing well and I was recognized for the "creative genius" that I was. I was contented as a Web Developer in a multi-national corporation, lost in my own world in cyberspace. The pay was alright and there wasn't any reason to think of other means of income. Looking back, I realized that I was in a comfort zone and being there shut my eyes to all the opportunities that were knocking at my door. Things were about to change though.The signs were classic of a company in trouble. Emails instructing us to take cost-reduction seriously, profit sharing withheld, no year-end bonus, a freeze on all pay rises. Then, it was crunch-time. There was talk of "staff re-designation". One year later, it became a full blown staff elimination exercise. No retrenchment benefits, no nothing. My wife didn't really think I was serious about the company being in trouble until I started having the "classic" symptoms of Middle-Aged-Man-With-Job-Threatened-Syndrome. I couldn't eat or sleep...more
Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in 1950. It gave consumers limited credit that, at times, even surpassed their own personal savings. It allowed them to buy items they cannot...more
If you are looking for a part-time business and think you could make items made of porcelain - not difficult, see below; you may be interested in learning of our experience.We make greeting cards - personalized porcelain greeting cards! We also make...more
The Bank for International Settlements definition of a payment system states; "A payment system consists of a set of instruments, banking procedures and, typically, interbank funds transfer systems that ensure the circulation of money" ("A glossary...more
Do you know exactly how your employees feel when Monday morning approaches?Are they eager to get back to a satisfying workplace and to perform important tasks?Or, do they sit home Sunday night dreading another week of unimportant work performed for...more
Just because real estate prices seem to have hit a temporary ceiling in many countries around the world, that doesn't mean that profits from property investments are hard to come by. Even during a real estate market slowdown, stagnation or depression...more
Myth 1: Marketing is a cost, not an investmentWhen you spend time and money randomly on marketing, then it probably is an expense because you're not generating a return on the resources invested in it. Many people make the mistake of emulating the...more