The Future is Plastic – 6 Advantages of Credit Cards over Cash

June 14, 2017


With all due apologies to The Graduate, the plastics McGuire advised Benjamin about should have been the plastics that make credit cards. With the wholesale adoption of eCommerce, the basic reality of retail sales has changed and credit/debit cards are the outward expression of that change.

Obviously, online retail has little option other than to accept credit cards. PayPal and Microsoft Wallet are options but are too limiting for their customer base. Reflecting that, PayPal offers a debit card to access your account with which makes it much more convenient, both online and at brick-and-mortar retail stores. If PayPal, a leader in online payment systems, offers both credit and debit cards, it’s time to reevaluate your business decision to not accept electronic payments.

[Read more…]

Filed Under: Finance Tagged With:

Vacation Home Investments and Where to Make Them

June 13, 2017


At some point in life, you may start to think about finding yourself the perfect vacation home. If you often rent a place in the same spot or are looking to decide on a location that you can frequent often, it could be the time for you to make a real estate investment. Not only could this be good for your finances, but your future too. Owning or renting a vacation home can often mean that you’ll use it more because it’s always available to you. So if you’re looking to enjoy a more relaxed pace of life just a flight away, here are some hot investment choices to consider.

[Read more…]

Filed Under: Finance Tagged With: ,

The Face of Modern Real Estate Investing is Changing

June 12, 2017


The opportunity to invest in interesting real estate assets is changing quickly. Back in the 1970s, one was stuck investing in limited partnerships with questionable investment returns that collapsed after the tax rules changed. The 80s and 90s saw the introduction and flourishing of new real estate investment trusts (REITs) that made real estate investing better organized, with improved clarity on the financing side, and clearer tax benefits on profits and income paid out.

[Read more…]

Filed Under: Finance Tagged With: ,

How to Get Started in Real Estate Investment

June 7, 2017


Real estate investment is an attractive proposition for budding entrepreneurs, offering the opportunity to be your own boss and the potential for big returns on relatively small investments. While this can certainly be the experience of real estate investment for many, it can also go very badly wrong for those who are unprepared for the challenges ahead. Here are some words of advice for you to consider before beginning your journey as a property investor.

[Read more…]

Filed Under: Finance Tagged With:

3 Tips for Improving Your Credit Score Whilst Starting a New Business

June 7, 2017


Your credit score can be easily damaged, and the damage tends to stick around for a while. Just one missed payment, or going over on your credit card limit by a couple of dollars without realizing it, can cause considerable damage to your credit score that’ll still be visible to potential lenders years down the line. Many people who are now great with managing their money find that their credit score is tainted due to mistakes that they made whilst they were young; for example, if you took out a credit card in college that you struggled to repay on your student budget, then this could have a huge negative effect on you in later life. You may have problems if you try to buy a new house, or start your own company and want to borrow a business loan from the bank. Also, if you want to rent office space, you will need a very good credit score as well.

[Read more…]

Filed Under: Finance Tagged With: ,

How to Obtain Business Loan without a Guarantor

May 31, 2017

Sponsored Post

 


Are you facing financial difficulties because of a poor credit rating? You might already have applied for some loans but turned down because there is no one to back them up and their credit score is not perfect. When they are unable to get their hands on a loan, there is simply no chance to improve their rating. As a result, their situation keeps getting worse, and their financial troubles keep piling up. What is the possible solution in such a scenario to get out of trouble effectively and quickly when you don’t have a guarantor, and you don’t want to go through all the difficult paperwork involved in securing a bank loan?

[Read more…]

Filed Under: Finance Tagged With:

The Role of Money in Business

May 30, 2017


There are number of things that are going to incredibly important to every business in this world. Businesses from all corners will pride themselves on different things and found policies that reflect areas of importance to each individual business owner and the business that they run. While a lot of things are important to the running of a business, it is cold hard cash that takes the top spot every single time. The pinnacle of business importance is capital. The bottom line? It’s cash. It might be known to you, but this could well be a revelation that is news to some.

[Read more…]

Filed Under: Finance Tagged With:

Why Some Small Business Costs Are Worth the Investment

May 24, 2017


For any business owner, the name of the game is profit — a goal that’s particularly important to small-business owners. It’s tempting to cut corners here and there to save as much as possible, but some corners need to stay intact; and, in fact, some cost-cutting endeavors do more harm than good in the long term. You always have to take the long view, and once you do, you’ll realize that certain expenses may seem costly but will increase your profits in time.

[Read more…]

Filed Under: Finance Tagged With:

Why Every Small Business Needs a Financial Advisor

May 24, 2017


Most successful business owners are good at one thing, be it sales, marketing, or even designing a best-selling product. However, what they are not so good at is planning for the future.

When you are working hard to establish a business, it is easy to forget about the long-term future. Your only concern is to be successful in the short and medium term. You certainly don’t have time to think about an exit plan or saving for retirement. You probably don’t want to think about boring stuff like insurance, investment plans, or taxation either.

However, this is a huge mistake. One day, in the dim and distant future, the time will come when you decide to hand over the reins of your business to someone else so you can enjoy the fruits of your labor. Unfortunately, if you haven’t planned ahead, you could end up with very little in the way of retirement funds or capital.

[Read more…]

Filed Under: Finance Tagged With:

3 Tips to Improve Your Chance of Getting a Business Loan

May 24, 2017


There are many reasons why you might be thinking about applying for a business loan. While there are many business ideas today that you can start with little to no money available, many entrepreneurs agree that some start-up capital is often needed to truly get a business off the ground and make an impact compared to the competition. In many cases, borrowing money for business funding can be a very profitable move; if the money is invested wisely, it’s likely to generate a good return. But, with lenders hiking up their requirements and increasingly making criteria stricter, no business owner is guaranteed a loan. So, how can you improve your chances? Let’s find out.

[Read more…]

Filed Under: Finance Tagged With: ,