The American Express Credit Card – An Excellent Choice for Your Business

The American Express Credit Card – An Excellent Choice for Your Business
By: Groshan Fabiola

There will be a time when real paper or metal money will cease to exist the way they exist today. There was a certain step made when the banks or the credit companies introduced the “plastic”. And by “plastic” I mean the very efficient credit cards.

One of the most popular credit card issuers is American Express. This company started off with freight and valuables, and moved on to sell financial products, such as travelers’ cheques and money orders. Currently, the company’s best-known product is probably the charge card.
Even if this company was not concerned with financial services in their first years, American Express had banks as their largest clients. They started delivering the typical small parcels to banks, and this is how they slowly turned from a freight deliver business into a financial products company.

The first American Express charge card was issued in 1958, and in as little as five years the company issued another one million credit cards, that were being used both within and outside the United States.

Today the American Express Credit Card is among the best known on the market. The company now offers a great range of cards, such as gold, platinum, blue and the original card, each with multiple benefits.

Some of the most notable advantages you have with the American Express Credit Card include receiving points for every dollar spent, as well as earning additional bonus points. All the points you earn using your American Express Credit Card can be used for many products and services, such as shopping, dining, travel and entertaining. You also have the option of transferring the points you have earned and using them on hotels and flights.

American Express also comes with a good offer for business credit cards. You can be assisted in running your business, regardless of its size or the market it operates in, by using a Business Credit Card. This type of credit card can be given to your employees, and spare of the trouble of administering petty expenses or cash. Sales administration is also simplified with a Business Credit Card, not to mention that sales increase, both in quantity and in value, when customers are given the possibility to pay using a credit card. If you run a big business, you may even benefit from trade discounts that are sometimes offered by Business Credit Card providers.

Owners of small businesses can profit from the benefits of having a business credit card account, as this gives them the much-need increased financial control, which is a must in order to have a successful business under the current economic conditions. Providing your staff with cards on this account can help reduce financial management burdens, as well as minimize administration. And perhaps one of the most important advantages that come with business credit card accounts is that the individual spending limits of each cardholder’s can be easily controlled.
Remember that you should do some shopping around before actually deciding for a particular credit card. In order to make your choice a less difficult one, you should make a comparison introductory offers, rewards and points schemes, and standard APR. You can even find an online tool for credit card comparison, which means your choice can’t be but an excellent one.

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Student Credit Card or Student: Which One Should Matter More?

Student Credit Card or Student: Which One Should Matter More?
By: Bauer, Ellene

The credit card may basically be a good financial tool if an individual would only know how to use it smartly. Credit card firms are currently eyeing at students as a potential target market for credit card services. There are several perks that a student credit card carries. First, they aid students create their credit position. This can also allow them to manage their funds by themselves. They are ready to handle numerous financial transactions such as mortgage applications once they begin working.

Student credit cards almost work the same way as common credit cards. They typically possess reduced credit limits compared to standard credit cards. This stops students from spending over their limit. Others contain interest charges that are higher compared than typical credit cards. This is also a manner of preserving the investment of the credit card company. And also for the credit card issuer's protection, a parent/guardian of the student credit card applicant is made to co-sign the application, because a lot of these students do not yet have an income that would qualify them for a credit card.

A good student credit card doesn't have the annual fees together with APR. The introductory grace period typically lasts 6 months. This will make it a lot easier for the credit card owner to pay for his initial fees while he's still getting familiar with the concept of making use of a credit card for his purchases. You may also have fun with some freebies and discounts. It makes spending more enjoyable!

Chase Bank contains a number of credit cards on their list, which you may apply. Or you may simply get more information on Universal Entertainment student credit card. It does not have yearly fees and annual percentage rate, and includes perks in theme destinations in Universal Studios.

Your lifestyle should also speak of what credit card you are availing of. They must not only be a luxury but a need too. Dues must also be paid on time. You may ultimately create your own credit standing which would qualify you to mortgage applications. It will also say something on your personal nature. You absolutely do not want to be labeled dishonest due to missed payments.

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A Guide To Business Insurance

A Guide To Business Insurance
By: Peter K

If you have a business, then it is important to get the right level of insurance to protect your business interests. Without the proper level of insurance your business could be in serious trouble if anything unexpected should happen. Here are some tips about how to get the right business insurance for your needs:

Required by law

There are a number of types of insurance that businesses must have by law. The main type of insurance that is legally required is employer’s liability insurance. This type of insurance protects you from any claims that your employees might make for accidents or sickness that they suffer whilst at work or as a result of work. Some businesses are not legally required to have this insurance, but if you have insurance then it makes sense. If anything should happen to any employee you could be hit with a massive compensation bill if you are uninsured.

Another insurance that is often required is motor insurance. If your company has any vehicles then you are required to get at least third party insurance to cover any damage to property or other people. It is usually advisable to get comprehensive insurance for your vehicles in case they are damaged or stolen. Although it costs more, it could save you a lot money in repair bills.

Liability insurance

If you are selling products to the public or have a large number of non-employees using your business premises, then you should consider public liability insurance. This type of insurance will cover you in the event that anyone is injured by your product or hurt at your business premises. The cost of this insurance will vary depending on what products you sell and the size of your premises

Building insurance

If you have dedicated premises for your business, then you need to make sure that the building and its contents are insured. If you rent the building then the landlord should be insured for the property, but you need to make sure that the contents are fully insured. If an accident should occur and you don’t have adequate cover then you could lose money.
Key man insurance

A business relies on its key employees to make it successful, so you should think about insuring yourself and other top employees against health problems or accidents. Getting health insurance for your main employees will not only make sure that they can get back to work as soon as possible, it will also give them a sense of belonging to the company. If the type of work you are involved in has the potential for accidents to occur, then getting adequate insurance to cover this is important. Obviously working on a building site is going to lead to higher premiums than sitting behind a desk.

Reducing your premiums

Reducing your premiums is a good way to save money for your business. The best way to reduce the risk for the lender and so reduce the price of insurance is to make your business a safe and secure one. Make sure that security systems are up to date, and that health and safety procedures are adhered to.

Using a broker

The easiest way to obtain business insurance is by using an insurance broker who has expertise in your particular business area. They will be able to help you find the right insurer for your needs and get you a good deal.

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Understanding asset protection trust

Understanding asset protection trust
By: Groshan Fabiola

In order to understand fully this concept everyone should clear up the term trust. First, the grantor is the person who shows the interest in protecting his assets. The trustee is the other part who is obliged to protect the assets. The trust is basically the contract between these two parts. Asset protection trust refers to a certain transfer of assets from the grantor to a specialize institution which will eventually protect the assets obliged by the Trust Contract.

There are two types of asset protection trust. The first one to be explained is the grantor type. What does this mean? It is all about the tax code. In this case the grantor maintains authority on his assets. This agreement supposes the fact that the contract would be interpreted as a disregarded legal entity. What is a disregarded entity and what does such a title signifies? This title means that this kind of entity is considered “Income Tax Neutral”. Through the asset protection trust, the grantor is obliged to pay his taxes for the assets which he got protected.
An asset protection trust may be of two types: revocable and irrevocable. The first one is nothing more but a formal contract which does not function as it is supposed to. The grantor maintains strong connections to his assets, so strong that they are not really protected. This kind of contract proves useful only at the moment the grantor gets involved in a lawsuit or in an avoidance of estate taxes procedure.

Basically the asset protection trust helps someone who is in one of the several situations: taxation, divorce or bankruptcy. So it is pretty easy to notice that is highly possible that the governments and the courts would limit these contracts. But they are not impossible to be concluded. An irrevocable trust is only one accepted in the case of mandatory spend-down provisions for qualifying into a nursing home.

So the asset protection system is a wide area of financial changes. And anyone can get a part of it. Being informed by a counselor or not each person can conclude an asset protection trust. It is just a simple contract. It would not harm anybody. And in the situations mentioned above it would prove of real help. The only thing that a grantor is supposed to do is the fact that he has to pay attention on the type of asset protection trust he decides upon, because there are certain kinds which would prove of no help. They are simple pieces of paper and nothing more.
Everyone should inform properly in order to avoid such situations. That is why each person should see from time to time a law counselor who could help in understanding all law procedures. The law system could prove extremely tricky if not treated with effective care. An asset protection trust properly formulated will help a lot the grantor. He would be able to surpass through a violent lawsuit without important losses. So it is important for him to try to assure of the validity of this act.

An asset protection trust would make easier someone’s financial evolution because it offers the necessary warranty in order to protect the assets. There are several questions concerning this topic and a law counselor should be able to explain his client all ambiguities. There are special firms which can serve their clients in this way and they offer trusty services. So, in spite of the fact that an asset protection trust could prove superficial, there are certain ways of getting assured of its validity. The client only has to be well informed and really interested.

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Property Buyers Guide

Property Buyers Guide
By: Iru

Property Buyers Guide
Buying property is a major investment decision that needs a lot of thought. To make sure you are making an informed decision, it is best to refer to a buyers guide. This will guide you on the various considerations you need to look at before going ahead (or not) on that property purchase. It also guides you on the various options that are available in making that purchase decision as easy as possible.

Acquiring property can be easy if you know how and if you follow the proper steps. Here are some of the most important steps in acquiring that piece of property you have been yearning for:

1. Among the first steps to acquiring property is deciding what your property needs are. To aid you in making this decision, make a wish list covering preferred location, type of property (detached, bungalow), number of bedrooms, etc. Once you have done this, look for an estate agent. You can do this by looking at the telephone directory, calling and making an appointment to discuss your requirements.

2.Alternatively, you can use the Internet to search for properties that meet your requirements, shortlist those that look interesting to you and contact the estate agent under whom the properties are listed for an appointment and arranging viewing of the property.

3. At this point you will probably already know what the price of the property you are looking at is and it is time to determine what you can afford to pay at what rate. Rarely will you be able to afford to make full cash payment for the property, and even if you could and unless there is a big discount for cash payments, this option is not generally advisable, because of cost of money.
What you will need to do is determine the initial payment you are willing and able to make and what periodic payments you can afford. A good rule of thumb for the periodic payments is that, in combination with your other repayment obligations should not exceed forty percent of your net monthly income.

4. Then you make your offer. You may have already organized your mortgage through a lender to finance the purchase but, if not, this is the time to go looking for the correct mortgage for you. There are a lot of companies offering mortgages but make sure you research these companies before making your choice (refer to the mortgage guide for more details). Choose the best offer which will apply to your payment capacity.

5. Typically, the lender will establish your ability to pay by referencing either previous months pay slips or, in the case of the self employed, previous year’s accounts. They will take into account assets and liabilities as well as determining ownership and value of the property to be mortgaged. Going through the legal process of a mortgage is facilitated by a conveyancer (solicitor) and the lender. Upon completion of the requirements, the legal documents will be prepared by the conveyancer and will need to be signed by both mortgager and mortgagee and duly notarized. This typically includes a promissory note, a mortgage agreement and disclosure statement.

6. Once you have found your property, have a mortgage and have begun making your payments for a reasonable period of time, it is now appropriate for you to start thinking of ways to make your mortgage work for you.

• One way is remortgaging, which is the process of paying off one mortgage with another one in order to free up capital or take advantage of lower mortgage rates at a certain point in time.
• Another way is to make mortgage overpayments whenever possible to lower the total interest you pay since the mortgage rates will be applied on a lower amount.
• Releasing equity (borrowing more money from your mortgage property on the basis of the increase in value of your real estate) is one way to generate cash even if your real estate is still under mortgage.
• If you have more than one mortgage, with the value of one property sufficient to cover the remaining capital of many or all of the mortgages, you may want to consider debt consolidation, which is simply defined as the process of placing all your mortgage obligations from several real estate properties into fewer properties.

Buying property is not an easy task after all. However, with a proper buyers guide, and an understanding of the concepts of managing mortgages, like remortgaging, mortgage overpayments, releasing equity and debt consolidation, the experience need not be painful; it could turn out to be profitable, too.

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