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How Microenterprise Can Help You Achieve "The American Dream"
Do you have an idea for starting your own business? Have you ever dreamed of being your own boss, having the freedom that comes of working for yourself instead of someone else? Are you ready to weave your dreams into reality? If you think you’ve...
Small Business Ideas - Your Image Can Lose You Business
What image do you and your people portray to your prospects and clients? Here's a situation that happened to me recently and hopefully you'll glean useful small business ideas that will make you money instead of costing you money.
January is...
Why Every Small Business Owner Needs Two Websites
Every small business owner knows that they need a website, right? Well the truth is what they really need is at least two websites.
One website that is specific to their business, product, service, name, etc. and...
another site that is an...
Why Would Anyone Want Your Business Card?
Do you remember how proud you were the first time you saw your name in print? Most entrepreneurs feel that same flush of pride when they gaze on their new business cards. That small piece of paper represents years of planning and effort and hard...
You Are Weird!
I have decided that you are weird. But, don't worry... it's a good thing! ;-)
Please, let me explain... I promise there's a great marketing lesson in here somewhere... ;-)
Throughout my life, I've been called "weird" on more than...
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Various Types of Credit Cards - Part 2
Copyright 2005 Gibble LLC
Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business needs. To know what type of card fits your needs, let's review a few of your options.
Business Credit Cards
A business credit card offers the business owner the opportunity to keep business and personal expenses separate. The card may offer special business rewards and saving opportunities that go above and beyond what the individual card owner may have. Since money management is essential in successfully running a business, the card may offer an expense management service that will allow you to keep track of the outgoing money. You can obtain additional cards for employees who may need them for travel expenses and such as well as have a higher credit limit than you normally would on an individual card.
Student Credit Cards
Many credit card companies will issue student cards that have lower credit limits and fewer incentives to help keep their spending in check. Still, take note. Many college students graduate with a credit balance that averages between $3,000 and $7,000 and with interest rates, this can be a real problem when trying to pay them off.
Prepaid Debit Cards
Prepaid debit cards are one type of credit card that has grown significantly in recent years. Although they work like a traditional credit card when making a
purchase, that is where the similarities end. With prepaid debit cards, you have actually prepaid and set the credit limit by depositing money onto the debit card. Depending on how much you have deposited into the debit card's account depends on how much credit limit you want on that card. This is a great way to have the convenience of a credit card without the chance of charging more than you can afford to pay off.
Credit Cards For Bad Credit
It is possible, even with bad credit to obtain a credit card. These cards will come with some restrictions not typically found on other types of cards. Your credit limit will be lower and your interest rate higher. Some may require you to have a secured card, meaning you have to maintain a savings or some other type of account that will cover the expenses on the credit card. Once you have established that you will be responsible, some, if not all, of your restrictions may be lifted.
Cash Back Cards
Many cards will now offer you cash back incentives for using their cards. Depending on how much your balance is and how often you use the card, you can earn cash back for your purchases. Some companies offer 1% off your balance while others, like Sears, will offer you cash off purchases made in their store. Either way, if you are planning on using a card, finding one that will offer you a cash incentive is a smart choice.
For more information and resources on credit cards, please visit: http://www.thebankcreditcardlist.com
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| United States Small Business Administration |
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| SBA |
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| Main Page - SmallBusiness.com - Small Business Resources |
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| Business & Small Business |
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| Microsoft Small Business Center |
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| SCORE "Counselors to America's Small Business" |
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| Small Business and Self-Employed One-Stop Resource |
| IR-2006-2, January 3, 2006 - Temporary and proposed regulations will significantly reduce tax filing burden for nearly 950000 small business owners. ... |
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| Welcome to Small Business BC your business resource in British ... |
| BC Business Services offers assistance and resources for those running or starting a business in British Columbia and Vancouver. |
| www.smallbusinessbc.ca |
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| Small Business Service | Home |
| Provides information and advice to help small businesses realise their potential. |
| www.sbs.gov.uk |
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| NSW Small Business |
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| Business Management & Advice: Small Business Resources & Information |
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| Small Business Funding Opportunities (SBIR and STTR) |
| Links to Small Business Funding Opportunities and SBIR / STTR Applications. |
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| Microsoft bCentral Small Business Directory |
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| Small Business Development Corporation |
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