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...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 view of things.For those of us that do want to have some level of financial security we try to save and invest our money at any opportunity. Some people do this on their own, while the majority of people...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 impose their own sales tax rate. At the current time Oregon, New Hampshire, Montana, Hawaii, and Delaware are the only states that do not impose a state sales tax. It is possible for different counties inside these states to impose their own local sales tax. The local sales tax generally depends on the preferences of local lawmakers and taxpayers. States that do impose a state sales tax also allow individual counties to impose an additional local sales tax. The combination of a local sales tax and a state sales tax is the total sales tax shoppers pay when purchasing taxable items.In addition to imposing their own state sales tax, each state has the option of allowing tax exclusions on certain items. Each state will vary; however, it is not uncommon for certain foods and medications to be excluded from a state sales tax. There are also many states that regularly offer sales tax breaks for a period of time. New York, for instance, generally...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 should know. A W-2 or 1099MISC is needed to accurately prepare a federal or state income tax return....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 bonding companies look at when deciding a rate. Part 2 of this article will discuss what you can do to...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 lot about your efficiency and productivity. A bad office design and an insipid office environment may dampen your spirit and seriously curtain your overall productivity. You may not have the required budget and necessary time to carry out a detailed office renovation work. Nevertheless, you can also make minor adjustments in your present setting to improve your working efficiency. Here are some of the practical tips to boost your efficiency and overall productivity:1. Make public your products and create an office brand. Create a niche brand for your company. Preferably your office must match your brand. A successful branding exercise requires that you make your office look and feel like your brand. Create banners, posters, cut outs and print out excellent business card to achieve this target.2. Excessive noise makes you emotionally disturbed, leading to increased anxiety and stress levels. Pinpoint and recognize all those sources of...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 purchase...more
We often talk about the big debate about whether leaders or born or made. Are we just born with the all the skills and traits necessary to inspire others to want to follow us, or is it more of a process of learning these skills? While that debate...more
Invariably, when I do a seminar, especially one about money or starting your own business, one or two people will come up to me and ask "What's a good business to get into to make a lot of money?" Wrong question! In my experience, whenever I've done...more
Depending on which company supplies your credit card and which credit card you have, you are likely to have access to a whole range of additional services that come along with your credit card. These will be different for all credit card providers...more
Everyone is well aware of the problematic health care industry. It seems the more and more you pay for your health care benefits the less and less they cover. There are many factors that go into the reasons for this failing health care system and I...more
Researching a topic can be frustrating sometimes. You search the web for information only to find much of it not exactly related to the topic you are searching for. This has prompted our experts to help provide better information for people like you....more