Top 4 Reasons To Use Business Credit Cards

(Photo credit: Wikipedia)Securing and properly utilizing business credit cards has many advantages for businesses. Here are the top 4 reasons you should use business credit cards.

Build Credit

There are numerous benefits to using business credit cards but one of the most vital reasons to use business credit cards is to build up your business credit. If you are not using business credit cards and other methods of building credit then you cannot increase your Dun & Bradstreet scoring which is what your business credit rating is primarily based on.

Regardless of how small or large your business is it is vital that you constantly work on building, improving, and expanding your business credit score. The better your business credit score is then the more lucrative your business credit cards will be. If you need an additional delivery truck for your business it is much easier to use your good business credit to buy a new vehicle with lower interest then trying to pay cash for one or securing the loan but at a very high interest rate because you business credit is poor.

The best way to increase you business credit rating is by properly using business credit cards. As long as you make the monthly payment on time you will reap numerous benefits from business cards and they will also help you to expand your business much quicker.

Free Up Cash

By using your business credit cards for your business you will free up much needed cash. By conserving cash you can help to keep your business afloat and financially secure because you have cash on hand for anything that arises. It is still vital that you pay your monthly business credit card bill; however you will be in a financial state where you can do that because you have saved up and conserved your cash because you properly utilized the business credit cards you have secured for your business.

Separate Business and Personal Accounts

By keeping your business and personal accounts separate you will not only make it much easier for your accountant to do your taxes, but it will also help you to better manage your money and help to ensure the financial success of your business. By keeping your business and personal accounts separate you will also be able to show the Internal Revenue Service that you are serious about your business and not just trying to scam some easy tax write-offs.

Appear More Professional

Regardless of the size of your business, business credit cards can help you to appear more professional. Even if you are the only person in your company you will garner more respect and be taken more serious when you have business credit cards in your business name instead of your personal name. If you want to be taken serious as a business person then you need to ensure you have credit cards in the name of your business. If you are trying to secure a new contract you may struggle to get it if the potential business partner does not think you are a serious business.

Author's Bio: The articles of John Max have been proving very useful for the customers who look forward to get information on business credit cards. He suggests them to visit Businesscreditcards.com for further information.

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Homeowner Loans – the Simple Way

Loan (Photo credit: Philip Taylor PT)It doesn’t matter what your reasons for needing the money are, the fact is, if you need some cash quickly, the last thing you want to do is jump through some hoops to get it. That’s what is so great about homeowner loans from Money QED, you don’t have to wait ages for a decision and you don’t have to reveal every intimate detail about your past life to be approved.

A homeowner loan is perfect for those with bad credit or CCJs. If you have a property with positive equity, it doesn’t normally matter what your credit history is because you will usually be approved because the loan is secured against your property. Nevertheless, you’ll still want to get the best deal possible on the amount you need to borrow, with the lowest APR. Rather than spending hours trawling the internet for a good deal and trying to work out who is offering the best terms, you should let someone else do the hard work for you. With homeowner loans from Money QED, they’ll search through all of the deals and let you know which is the best for your individual circumstances.

Finding out if you can be approved for a homeowner loan is really easy too. All you have to do is fill in a simple online form and one of their team will give you a call back just five minutes later with an ‘in principle’ decision. Rather than just providing you with a search list of quotes, Money QED has spent years building relationships with lenders and know which deal is the best for your individual circumstances. This saves you trying to get your head around loads of financial jargon and spending some quality time with a calculator attempting to figure out the APR. The average team member has around 10 years’ professional experience in the field, so they really do know what they’re talking about.

There are plenty of reasons why you might need a cash boost – a wedding, a family holiday, house maintenance or repairs, your child heading to university, or a new car. Quite frankly, as long as it’s legal, Money QED doesn’t really mind. You’ll be able to get a hold of your adviser easily too – there’s a straightforward landline number which won’t break the bank for you to call it.

Author Bio – Raymond Harper is an experienced writer. He has written in many crucial areas like homeowner loan, car loan, insurance and banking etc.

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Top Ways to Make Money Online After Retiring

(Photo credit: Michael Kwan (Freelancer))

Introduction:

We live in a capitalist society. The most basic description of such a society is “you get what you pay for”. Everyone must find a way to make money in order to purchase any commodities that they may desire, and nothing is received for free with the exception of welfare and other such payments meant to help those without the possibility to work.

With the explosion of Internet popularity in the start of the 21st century, more and more people own a computer and are connected to the Internet. While it may be an excellent way of relaxing by playing video games, simply browsing, gambling and also a way of meeting new people, some manage to earn money online, mixing utility with comfort.

While there are many ways of earning money online, gambling at a crypto casino may be the way forward. Crypto casinos typically offer a higher level of privacy and security compared to traditional online casinos, as transactions are encrypted and decentralized. Players can also enjoy fast and low-cost transactions using cryptocurrencies, eliminating the need for lengthy processing times and high fees. Beyond this, many casinos actually offer wins high enough for a person to be able to sustain himself and/or his family through regular online work alone.

As such, most online work is part-time only, offering some pocket money for those who have the time. 

Surveys:

One of the most popular ways of making money online as of late is completing surveys. Internauts register using their personal information and they receive surveys provided by companies to the site which they complete in order to receive the money reward. Some survey sites pay in cash, while others prefer other payment methods such as gift cards for certain real-life or online stores. Some survey sites have been confirmed as legit, their payments are usually meager, and users report having to wait a long time before receiving a new survey to complete, thus making it necessary for the user to register on several survey sites in order to achieve any noticeable sum of money.

Online writing:

Another option is writing online. This method is older than surveys but is still around and is still a valid means of making money online. There are many specialized sites that offer writing jobs to freelancer authors even if they do not have any past experiences. There are many things to be written or re-written, from novels and articles to college work. However, if you want to start writing on your own after gaining some experience online, be aware that what you will mostly be doing is “ghostwriting”, which means that you write for another person but they will still be accredited for the work. Your name will not be featured anywhere, because you simply wrote something that they were supposed or expected to.

Online writing tends to have a higher payment rate than surveys, however it requires more creativity and work. While for surveys, you simply fill in personal data and tick some boxes, it requires some writing skill, some time for documentation and a lot of patience in order to write even a small article on a simple subject. If you’ve decided on a novel, however, it will take even more, and the payment sometimes depends on the success that the said novel has, so you may not get paid that much after all. All in all, online writing is a good part-time way of earning money online, but don’t count on it too much, as with surveys.

Online commodities trading:

Some people earn pocket money by trading items over E-bay. They try to find a low-price item which they think might pick up in price later on; they keep it and then re-sell it later for a higher price. While it’s a risky method as you can lose money if you make the wrong choices, it is a possibility if you’ve got a touch for trading. 

Other ways of earning money online:

There are many other ways of earning money online, not all of them legit or fair. These include, but are not limited to

· Binary options trading through online brokers; this method has increased in popularity over the past years. Users say that they are legit however there are many taxes and catches that make it feel more of a rip-off and less of an easy way to make money from the comfort of your own home.

· Online betting and gambling. These are meant more for enjoyment and less for actually earning money, however if you’ve got the skill, knowledge or luck you may still earn money from them while also enjoying yourself.

· Some employers may offer you to work from your own home, documenting, creating and sending your work to them through the Internet.

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The Top 5 Personal Finance Apps That Can Help Protect Your Credit Cards

Credit Card (Photo credit: 401(K) 2012)It is not an easy task to keep a track of your personal finance and monitor your credit cards and debit cards 24x7 especially if you are living a busy life involving your studies, jobs, career or family. These days we have become very dependent on credit cards which are now termed as Plastic money rather than cash. Many of us think that transactions through credit cards are much more secure than carrying cash everywhere. But this not completely true and a number of credit card thefts and frauds have proved it, clearly.

Though we can somehow get an idea of our finances through online banking, which helps us to check our accounts, but that is not enough. Therefore, a number of applications have been developed to manage your personal finance accounts while maintaining the security of your credit cards at the same time.

The following are the latest applications which protect you from becoming the victim of credit card fraud and help you manage your personal finances:

Mint for OS X

This application keeps track of your personal finance details by recording every single transaction. The entire operation can be done simply with the help of the user friendly menu bar icon. The icon simply disappears when you do not want it and it appears again with the detailed information on where you are earning money from and how it is getting spent.

Billguard

This is another innovative application that has been developed to protect your credit cards from getting mishandled. It continuously alerts you when there is any suspicious activity related to your credit cards and it helps you in managing your accounts.

Personal Assistant Program

It is a mobile application which keeps a strict eye on your personal finance as well as all your credit card transactions. You will be alerted if any suspicious behavior is attempted on  your credit card accounts. Though both free and premium versions of this app are available, it is suggested that you should opt for the premium version to get more protection.

3D Secure

This is a XML based program developed specially to offer additional safety measures for online transactions of debit and credit cards.

EMV

The term stands for Europay, Master card and Visa and has been developed to provide adequate security for your credit cards and personal finances.

Personal finance apps have become quite important these days. With the growth of cyber crime, people are opting for more safety measures.


About the Author:

The above article was written by AB who is associated with many finance sites and blogs. She recommends to make online payment through discovercard com payment which is the most secured online platform for making any online transaction.

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