There has been a rapid growth in the availability of zero per cent rates in the credit card industry. These have been caused by the combination of very low national interest rates, and the injection of fierce competition from American lenders such as Capital One. The UK credit card industry is now recognised as one of the most sophisticated and competitive credit card markets in the world. One of the most popular innovations in the past number of...more
Selecting the location for your business is one of the most important decisions you will make; the success of your business could depend upon it. Base your decision on sound research and fact, rather than an initial reaction.1. Know the area2. Who frequents the area?3. Observe traffic patterns4. Evaluate the convenience factor5. Evaluate available parking6. Storage space7. Follow the coffee shops8. Pinpoint...more
According to the New York Times "many national banks are encouraging clients with low balances to overdraw their checking accounts, allowing the banks to avoid credit laws and collect billions of dollars in new fees." You might now realize that pay day loans are actually much more economical than overdraft fees from your bank.The banks say that the overdraft programs, which cover bounced checks and allow people to overdraw their accounts, are a service to their clients. But these overdraft programs are certainly a bad deal for consumers. Unlike typical lines of credit, which charge annual interest of up to 20 percent, the new overdraft plans charge flat fees for every processed overdraft, translating into an annual interest rate of over 1,000 percent. Unlike lines of revolving credit, which allow customers to repay the loans at their convenience, these plans require clients to bring accounts back into positive balance in only a few days. While most traditional lines of credit have limits of thousands of dollars, the new overdraft plans have limits of $100 to $300. After the overdraft is expended the banks again start bouncing checks.The New York Times also states that "the rapid...more
When I started my first business I didn't have a solid, well thought-out business plan. I threw together a rough one that I used to apply for a bank loan (which I didn't get, by the way). I've found the best way to make sure a business is going to be successful is to create a business plan. It doesn't need to be pages long and take you days and...more
Are you thinking about beginning a home business? Chances are that you dont need to be convinced. Nevertheless, you have to be certain that you are doing the home business for the right reasons, and that you arent going to be surprised by anything that might happen while you are working with your home business. Be certain that you are doing it...more
If you would like to purchase a home but believe you are unable to because your credit has gone through some challenges, think again, there just may be some hope for you.The mortgage industry is a very diverse one. And these days it is no longer a requirement to have perfect credit in order to purchase a home.And no longer is it necessary to go down the street to your local bank in order to apply for a mortgage.There are many lenders out there across the country known as wholesale lenders who specialize in different niches with specialty programs for people in all types of situations such as yourself.The most important thing for you to do is to educate and familiarize yourself with the mortgage industry. This way you will have somewhat of an idea of what you are getting into, and a better understanding of what the people in the industry are talking about once you start to deal with them on a daily basis.One thing you may want to consider is speaking with a broker if you are not comfortable finding a program for your needs on your own.A broker is not a lender. They work as a liaison between the lender and the consumer. It is their job to find you a program to fit your needs and...more
You're looking to find a payday loan or cash advance loan company that is reputable, provides excellent service, and is properly licensed in their state of business. Also look for a payday loan site that is professionally designed and managed, run by...more
Do you want to stand out from the crowd in your business or personal life?Does the idea of free publicity appeal to you?One way to gain recognition and exposure for your business or your personal achievements is to distribute a media release.The...more
Whether you are in a new business or established one, you must have found accounting the toughest job. If you are handling the accounting work of your business, on your own it means that you have to be busy in handling and studying your company...more
If you are over 55 and have owned your home for several years you may be eligible for property tax relief!There are currently three propositions that affect eligibility for tax relief; Proposition 13, Proposition 60 and Proposition 90. You'll learn...more
Buying a property abroad in 2006When buying a property abroad many people forget about the most obvious and relevant point of all which is quite simply what do you want the property to do for you? This simple factor could determine the country and...more
Cash loans UK are designed after much speculation to the people's needs. One can call cash loans UK, a common man's loan for the reason that this is the only loan, which understands your needs in a better way. Each and every cash loans UK policy is...more