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 changes and they may help you to lower the amount you are paying on other lines of credit. There are several things to know about no interest credit cards before you apply.How Long Do You Have? Credit card...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...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. The most important of these things is that you can think in the short-term about paying off any debt that you put on a 0 apr credit card.Types of 0 APR Credit CardsThe credit card 0 apr offer might apply to a number of different types of credit cards. A common credit card that you'll see like this is the credit card that offers zero percent interest on balance transfers. However, you might also be offered 0 apr credit cards that are for purchases. In order to make sure that you maximize your use of these cards, you need to make sure that you're clear on what type of credit card you have. You need to be sure that you clearly understand what the zero percent applies to and what the interest rate is on the rest of the card. For example, if you...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
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 have felt the impact of today's volatile economy. Retail has been hit especially hard, with sales in...more
What's the greatest risk to your portfolio during bad markets? Surprise! It's probably your advisor.The other week, a friend of mine sent me an article from a financial advisor in the U.S. asking me for my opinion. In the article, the advisor stated two things that stood out to me like a two-ton boulder falling out of a clear blue sky. They were the following. In response to the short rally that U.S., European and Asian markets were experiencing at the end of January, he stated, "I see this time as a BUYING and repositioning opportunity with great potential gains soon to come", further clarifying that statement with the exclamation of "It is hard to imagine any time in history when such rampant pessimism about the economy has existed with so little evidence of serious trouble." When I read those statements, I had to read them again to make sure that I was reading them correctly. I thought to myself, What is this advisor smoking? His comment of there is "so little evidence of serious trouble" must have been drawn after scouring the pages of mainstream newspapers and financial websites that merely spit back what the commercial investment industry wants them to say and after studying...more
These days, many similar businesses are in competition with each other to win the crusade for the customer. With the construction of each new restaurant, supermarket and department store, people are offered more and more options on where they can go....more
Are you tired of being held hostage to your debt? Use these simple solutions to pay down your debt and eventually eliminate it forever.Cutting up your credit cardsAre you fed up with credit card companies? Are you having trouble paying off your...more
Don't get trapped by credit card debt forever. By making easy moves towards financial freedom, you can be debt-free in less than 2 years.Approaching credit card debt with a planHave you accumulated a ton of credit card debt over the years and simply...more
Did you know that you could be hurting yourself by consolidating your debt with the wrong company? Here's how you could be suffering.Unnecessary debt consolidation feesIf you're in the market for a good debt consolidation company, chances are you're...more
Understanding and taking the right approach to eliminating debt is the most important step you need to take. Learn that now and get started.Realizing that you have a debt problemFace it: You don't want to be saddled with debt anymore! But like some...more
Debt consolidation? Debt settlement? Bankruptcy? They can all hurt your credit score, but which way is the best way to eliminate debt?Consolidating debt with the wrong companyIf you're in a bind with debt, struggling to maintain a healthy credit...more