When many people think of stocks and shares and trading they will think of hundreds of people in a room all trying to outbid each other and a scene of organized chaos. The reality is that anyone can deal in stocks and shares, and while many will choose to work in conjunction with a professional, it is perfectly safe to do it independently. In a lot of cases there will be a few shares that have been handed down through the family and some traders will buy some of the recently floated shares as a way of saving for the future, but there are few that will sit down and set up their own portfolio. Read the rest of this entry »
There are three key components in determining the cost of accepting credit cards for your business. Two of the costs are set rates: the interchange fee and the charge assessment fees. The third is the processing markup, which can be negotiated.
Issuing banks, through MasterCard and Visa, agree to charge the same interchange rates to businesses that accept credit cards. These fees include the percentage of the sale and a transaction fee. These rates cannot be negotiated for a reduced rate. Read the rest of this entry »
Credit card search engine Card Hub has released its 2013 picks for the best credit cards for travel, selecting nine credit cards for their merits in various categories, including Best Ongoing Rewards and Best Initial Bonus. Designed to take the guesswork out of selecting a credit card, the surveyors carefully reviewed the benefits and possible costs associated with choosing each credit card.
In terms of travel rewards, initial cashback bonus offers are up an estimated 34 percent, according to Card Hub. More and more cardholders are also cashing in on their rewards, with points and/or miles bonuses up by an estimated 14 percent for the first quarter in 2013. When selecting a travel credit card, Card Hub recommends thinking if you desire the initial reward of a first-time bonus or desire to have a travel credit card for the long haul and are comfortable with accruing points over time.
These factors can help guide your decisions if one of Card Hub’s top recommended cards are for you. Read the rest of this entry »
After seeing the debts adults have built up recently, it’s not surprising to find young people hoping to avoid the same problems. They will still want a credit card and the freedom that it gives them as it seems to fit with reaching 18, become an adult, check, allowed to vote, check, get a credit card, check.
The issue is, there are so many different companies offering different cards and all saying theirs is best. Every bit of help should be accepted when looking for a card that suits your needs. The trouble starts when you apply, as lenders have been bitten once and are wary about being bitten again – especially as you may not yet have a credit rating. Read the rest of this entry »
Most personal finance advice tries to steer you away from store credit cards. These cards come with low spending limits and charge very high interest – in excess of 25%, usually. There is a case to be made for them, though.
You could apply for credit card products at stores to take advantage of the discount that they come with, repay your debts responsibly and come away with a profit. Read the rest of this entry »
Taking out a loan is not the only way to get extra money when you are a little short. There comes a stage when it is not possible to tighten your belt anymore and overtime is not always available.
The good news is that you can get cash in hand for items that you already own. Read the rest of this entry »