Finance

Did you know that most car title loan lenders can only offer car title loans online in a few states? Unlike payday loans, there are several state-specific differences at play when you are looking for the best car title loans. Car title loans online are continually becoming popular ways...

Getting a credit card for your small business can be the best thing you can do for your accounting department. There are many things, both good and bad, that you should know about small business credit before you fill out a small business credit card application. For example, you...

Congratulations on starting your own business! Now that the hard part is done, you probably need some personal loans to fund your business. There are some great places to get a personal loan (even personal loans with no questions asked) but you probably want to keep debt as low as...

Homeowners considering refinancing of their properties may qualify for an FHA streamlined refinance loan, cash-out refinance loan, or a no-cash refinance loan. According to FHA loan rules, applicants for a new mortgage must meet the eligibility criteria, not be the same party as the original loan, and reside on...

There are many types of daily trading, buying and selling stocks, and financial assets being the most noteworthy. If you’re looking to break into the market of trading, selling and buying stock online, it has become pretty easy these days thanks to the internet. The stock market game operates...

Wagepoint is a fast, smart and simplified online payroll service for small business application that enables employers and payroll managers in any organization to manage the salaries and wages of their employees and other stakeholders such as suppliers. This computer software is very ideal for small businesses mainly in...

For online and small business owners who are in need of quick access to capital so as to grow their business, then business cash advance (merchant cash advance) is a very solid option. A merchant usually gives businesses upfront capital or cash in exchange for a portion or percentage...

A saving account is an all-inclusive term that includes regular savings account and IRA Savings Account. A Roth IRA refers to a savings account where the earnings accrue on tax-deferred basis but they are tax-free in case distributions are qualified. In regular savings accounts, earnings are normally added to...

Filing for bankruptcy is a big decision. It can get you out of a tough financial situation, but can you afford it? If money is tight, you may not be able to file as easily as you’d hoped. These are the general costs of filing for bankruptcy.   Chapter...

The easier it is for your customer to spend money on your site, the more they’ll spend. Seems simple enough right? Think about it though. If you’re considering making a purchase of a product from a website but you’re not 100% certain yet, the payment process can be a...

One of the major concerns for those who have small businesses or who are just starting up with a business is financing. In the past, it was obligatory to come up with a significant amount of cash that will be sufficient as working capital to put up a business...

Setting up a small business or startup is a lucrative thought, but not an easy process. While the great American Dream talks about becoming successful regardless of your social standing and background, it doesn’t explain how to find the money to go about doing so! The availability of micro-loans...

If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...

Many car buyers are committing a mistake when it comes to financing vehicle purchases because they are deciding on longer loan terms. Car loans with long terms of about six or seven years are becoming common. At some point, you may feel the need to get out of your...

A payday loan, also known as a “cash advance” loan, is a loan for a small amount, usually under $500, and is due on your next payday. The cost to receive a payday loan is high, at $10 to $30 for every $100 loaned. The average fee of $15...

Having a small business requires a lot of strategizing to gain customer loyalty. Having the best credit card processing for small business can truly make the difference. There are a lot of online credit card processing services, which can make your decision-making slightly difficult. Finding the one that best...

Credit cards can be really stressful. First, you’ve got to think about which bank you’re going to go for, then what type of card you need, and finally, all of the extra costs that’ll incur during the process. Well, it doesn’t have to be that way. You could be...

Taxes and bankruptcy are two complex matters that many people would rather not think about, let alone discuss. If you are contemplating bankruptcy, however, it is important to understand how the two impact each other. Many factors affect the relationship between bankruptcy and taxes. Bankruptcy law permits owed taxes...

With the right product or service, even the little guy can take on his competitors and win. But in order to compete against the big guys, the small business owner needs to be able to offer customers the same conveniences other merchants are offering. One of the biggest conveniences...

Opening a merchant account with a credit card processing company allows your small business to diversify payment options for customers. The electronics age is here to stay, and the very fact that the majority of consumers now use plastic cards to make purchases is reason enough to equip your...

Capital is the lifeline of every business. For business start-ups or even existing owners, securing capital is key, especially for a small business. Many up and coming business owners find that being approved for business loans fast is a challenge and they don’t even know where to begin. Below...

Your credit score is always used by lenders to help to determine whether or not any applications you make for personal loans, credit cards, mortgages or any other form of borrowing, will be approved. But how do you find out what it is? We break down how to check...

A stock exchange is a place where buyers and sellers can trade shares of stock that are traded either publicly or privately. The stock is a portion of ownership of a particular company, and investors can decide on how many individual stocks they wish to purchase or sell at...

You’ve probably seen payday loans advertised on television or billboards. High dollar amounts instantly for just a small fee sounds tempting, but you need to know both the advantages and disadvantages to these loan types. Unlike a traditional bank loan, payday loans aren’t based on a credit score, instead...

Online credit card processing is an elusive topic to some still. So to make things easier, we are going to limit this discussion to Visa and MasterCard credit card processing. First, there is the bank that the consumer’s credit card is attached to. That bank is called the “acquiring...

Business credit cards, especially small business credit cards, are an integral part of any business today. Compared to regular credit cards, a business credit card has a high limit plus low-interest rates. Depending on the financial institution you end up choosing, a business credit card may also bring about...

If you’ve found that your cable bill has suddenly blown through the roof, or if the price you originally signed up to pay has become too much, of if you simply want to cut costs on your cable bill, take a look at these tips. Some of these have...

Accepting credit cards doesn’t have to be super complicated, but it often feels like it. From unclear credit card processing online rates to long service contracts and complex compliance subjects, it’s no surprise that accepting credit cards as a payment technique leaves some small business owners reeling. Here are...

Teaching your teenager to use a prepaid credit card can prove to be a difficult task. Nonetheless, a kid with such a card should have some sense of financial independence and understand the basics of managing their own finances without getting into debt. Essentially, it only requires some time,...

Right now might just be the best time for you find a small business loan since 2008’s economic crash. Improved economic conditions and the big increase in competition mean that lenders are now willing to slash most of their rates for good prospective clients. Unfortunately, this doesn’t mean that...

Consumers should get a copy of their credit report and review it periodically. A good rule is once every four months. One should read the report and notice activity it describes. One should look at it carefully to ensure that it is accurate. Businesses and employers use Credit reports...

  Business credit cards are made specifically for owners of businesses and their workers. They have a high credit limit to help them to pay for their new equipment and inventory, and they can be paid back over a period of time. It is convenient for the business owner...

Nowadays nearly ninety percent of employers with an employer-sponsored retirement plan have a 401k-style plan. With pensions a thing of the past, 401k plans are often the only source of retirement savings for many people, and today they are also often the first retirement plan that people are familiar...

Getting your small business to adopt credit card processing and accept credit cards is a process that is not difficult to navigate, but the service is not free. Some fees and charges will be deducted from your transactions resulting in you receiving less than the full amount of the...

So, you want to retire, but you’re worried about your income? Bonds don’t accumulate as much interest as you’d like, and everything else just seems a little bit bleak. It can be daunting looking into other options because you have no idea how they work and if you can...

Is it better to rent or buy a home based on cost and convenience? The only answer to this is that it really all depends on your financial situation and circumstances in life. However, for most parts, in the long run, owning a home is always much better than...

You need to have a lot of self-discipline and self-regulation to be able to stick to your budget. However, at the end of the day, while a budget may feel restrictive, you have to shape up and consider your future. One of the best things you can do for...

Whether you want travel rewards or easier financing terms, it is crucial to have the best credit cards. Notably, the best credit cards on the market today come with plenty of rewards that you cannot get with any other product. Those special rewards can include things like travel insurance,...

The most widely asked question today is basically ‘how long is too long to have a car loan?’. There are many types of loans people take nowadays. Good examples include a U.S. marriage loan, a car loan just to mention a few. The U.S. marriage loan has a time...

Investment clients often ask about the key to buying and selling mutual funds. The recent shift from bond buying to mutual fund investment reflects policy transition toward a market focused economy. Investment advisors and institutional investors are turning to mutual funds to increase liquidity amid lingering uncertainty. New mutual...

So, you have finally made the decision to bite the bullet and start your own business. It’s a huge leap into a relatively unknown territory. As you may guess, running your own business efficiently is not only about the passion you have for the work you do. In fact,...

If you’ve ever had a car loan, then you’ve had an installment loan. A mortgage loan is another type of installment loan that is quite common. These types of loans are repaid with a set number of scheduled payments. Typically, it includes more than two payments made toward the loan. An...

We are heading towards a cashless society whereby we are using digital technology to move money and to purchase things without even opening our wallets and taking out psychical money. When online banking was first introduced, we had to sit at our computers either at the office or at...

Retirement shouldn’t be something that you leave until the last minute – it should be something that you start strategically planning as early as possible. Of course, that’s not always a priority for some. People begin preparing for retirement at all stages of life, and one of the most...

When you are short on cash, a payday loan can supply the extra cash that you need. Whether you need to pay for an emergency car repair, a fee for your child’s sports team, or a critical home repair, payday loans give you the money you require. Finding an...

When starting up a company, your advisers will tell you to legally separate your personal finances from the company finances. This separation is one of the most important benefits of early incorporation. Separating yourself from the company legally will protect your personal finances just in case things in the...

With our fast paced development in electronics, the majority of people make use of online banking. It’s the fastest and easiest and one can have access to your bank everywhere, like on your smartphones, tablets, notebooks and computers. Due to the easy access we need to protect ourselves from...

One key factor that you should always put into consideration whenever you are making investment strategies is how the strategies are going to affect your taxes. There are still lots of factors that are involved and need to be kept in mind, and in all this, your least expectations...

There are different kinds of investment. It doesn’t only mean the stock market or letting your money sit in your bank account. A big bulk of the population invests their money through mutual funds, which is what this article is all about. Mutual funds are defined as a company...

What exactly is a merchant services account? It is basically a type of bank account which allows different business parties to accept payment via debit and credit cards.  These payments take place in two phases: 1) Authorization 2) Settlement. Authorization is two-way process where firstly; an order is placed by...