Low Interest Credit Cards

It is easier to get over the financial recession as long as you have a financial planner by your side. Those professionals are able to help you with the problems you have, to manage your money and to pay the bills and the rates. Of course, the advanced services of the financial planners cost some money, but it is insignificant considering the benefits you will obtain. As in any business, there are some differences between the financial planners available, and you should know the differences before accepting to sign a contract with one of those companies.

Here are some advices from those companies:

Establish precise purposes. Every planner will start by asking you the goals you need to reach. There are the planners that recommend you an aggressive campaign that implies many sacrifices, but it has faster results, or the planners that will propose you a long-term plan that will only show its results after a while. Read more…

With many school districts beginning their winter breaks and students preparing for the holidays, teachers should be aware that a new law in Alabama prohibits them from accepting gifts of monetary value.

In many places, students giving teachers gifts for the holidays is not a problem.  However, teachers in Alabama who accepts gifts of monetary value can now face up to a year in jail and a $6,000 fine .  Acceptable gifts include things of nominal value, like home-baked goods.

The law — which went into effect earlier this year — also applies to public officials and employees and is considered to be one of the strictest laws concerning acceptable gifts for teachers in the country.

The Birmingham bankruptcy lawyers of Greenway Law, LLC want to wish all happy holidays and a safe and enjoyable winter break.  ABC News has more information on the new law.

Though debit card swipe fees were capped at 21 cents on Oct. 1 per the Durbin amendment of the Frank-Dodd act, some business owners conducting small transactions are experiencing an increase in costs from Visa and MasterCard.

Before the new law, businesses were being charged approximately six to seven cents for a $1 transaction on say, a cup of coffee. But now, in an effort to recoup substantial losses from capping larger transactions, Visa and MasterCard are charging the full 21 cents on that same cup of Joe, which has business owners scrambling to recoup their own losses through incentivizing cash purchases through discounts, raising prices or backing off debit transactions all together and installing ATMs.

Estimated losses for banks hovers around $6 billion annually, while repercussions for businesses that frequently conduct small transactions goes largely unaccounted for.

Read more…

The current starting Denver Broncos quarterback and recent Heisman Trophy winner, Tim Tebow is taking the nation by storm with his unrelenting style of never give up football. Drawing an inordinate amount of chatter from football fans, religious and not-so-religious pundits, Tebow continues to advance his team onward to the top of their division. Rather than watch his team mate, Matt Prater kick a game winning field goal, Tim partakes in a patented ritual called Tebowing. Olympic skier, Lindsey Vonn is now doing it and even Nicki Minaj performs in a music video dedicated to the ever-kneeling Broncos QB. As the state of the U.S. economy continues to flounder, many a football fan and financially struggling households across the nation practice their own Tebowing ceremonies. While it never hurts to pray, an additional course of action is to take a grapple hold on your financial situation and spend only what you can afford by planning and budgeting.

Read more…

Whether you are a small, medium or large business, chances are financial management could be made easier with the use of credit cards.

While personal credit card offers definitely dominate the market, especially for features like balance transfers and low rates, there are still a number of competitive business options available featuring everything from reward programs to tax organisation tools.

Just like people looking for an everyday credit card need to compare different options to find one best suited to them, entrepreneurs and businesses will need to consider a variety of business credit cards so that they get all the features that they want and need.

Businesses that need to make a lot of payments by credit, for example, could greatly benefit from one or more additional cards and most credit cards now offer this feature.

Many of the additional credit cards available for business options, however, also come with an additional annual fee that adds to the cost of a card, so it could be good to look for cards that do not add on this cost, like ANZ’s Business One Low Rate card.

That way people can pay for expenses on credit without costing the company more in credit card fees.

In terms of financial management and tax time, some business credit card options are actually designed to keep credit card use as easy as possible.

Card issuers like American Express, for example, tend to make this a priority for business credit cards, with most Amex options including features like:

• GST itemisation
• MYOB-compatible statements; and
• Tax deductible annual fees

These features help keep tax return information more organised, so any accountants or finance departments would definitely appreciate this feature.

Reward Programs And Additional Business Benefits

Not every business will benefit from a credit card with a rewards program but in some cases this feature could help cut down on costs.

A frequent flyer credit card, for example, could be ideal for businesses that often need staff to travel to different locations.

Business credit cards that allow rewards to be used in any way, on the other hand, could help entrepreneurs and busy executives treat their families to a holiday.

When looking at different business card options it may be worth considering which of the following features are most important:

• Rewards programs
• Financial organisation features
• Additional cards
• Corporate discount options; and
• Flexible payment options

These kinds of credit card features will help keep things organised whether you are a CEO, general manager or entrepreneur.

Looking at different convenient features will help you find the right credit card option for any business.