Getting A Good Prepaid Credit Card

By Nick Makaryk

Getting a credit card is a beneficial idea though it can often prove rather hard to get one, particularly when your credit history is to a lesser extent satisfactory. There often can be many restrictions in having your application approved and poor credit will surely make it just about impossible to get a card. As a matter of fact, even if you do acquire one the interest rates would be rather high as to make acquiring one would be prohibitively costly.

Reestablish Poor History

Nevertheless, it is still possible to obtain a card even when you do not have a good score or even a banking account because you can get what is called as a no bank account card. Such cards are valuable when you need to restore your bad credit and they are easily procurable and will do you a great deal of good when attempting to fix your poor credit history.

These no bank account cards are normally preloaded and their credit limitation is the sum of money that you load up onto your card through pre-payment. The benefits of these cards is that you can easily moderate on how much you are spending and also improve your credit, and additionally, this will prove to be very valuable in dealing with your money more efficaciously.

Nonetheless, it is not sensible to go hurrying out and acquiring one because truth being, that you will be better off by first of all shopping around to find the very best deal. Without a doubt, nearly all such cards go with similar incentives and advantages as are the case with normal credit cards even so, there will be times when certain no bank account cards might not provide enough incentives and you will need to search to find those that do offer enough advantages.

Another feature that is worth searching for is a no bank account card that will not charge up an abnormally high interest rate and which will not require paying off yearly fees either. Lastly, you must also shop for one that sees to it that you get the most beneficial customer support to assist you should you encounter that you have a trouble that needs to be settled.

Also you will need to be informed about the entire credit card application process to see to it that your application gets accepted, which for example of a non-online application normally entails having to delay about a week for the application to be examined and processed and a decision reached.

When applying for a no balance card you must do a certain amount of preparation and by researching online you should expect to get some really good offers. Even so, you will need do some comparison of interest rates, view different advantages besides identifying the cards that are most beneficial. Likewise it is a sound idea to pick out only that company that allows you maximum benefits so that you can mend your bad credit and get your finances on track in the most effective timely manner.

About the Author:

Nick Makaryk is an Internet Publisher, Freelance Writer, and Founder of Best Credit Cards . A Free consumer credit card comparison online webonline web site helps consumers find the Best Credit Card while avoiding high interest rates, charges, and fees.

Structuring Business to get the Most Corporate Credit

By Susan Carter

As you begin a new business venture, you have an important decision to make right at the beginning of your venture. Now you probably have already decided what kind of business - and even the name, but the entity structure is the most important. You need to know what type will be the easiest and most valuable for your company. Have you heard the words LLC, C-Corp, and S-Corp? If you answered yes, but dont really understand what they are, then read on.

There are a number of business structures you can use when you are creating a company. Each one comes with different benefits and liabilities. Here's a quick overview:

1. What is a Sole Proprietorship? This is a one-person show where the individual person running the business keeps all the profits. However, they also carry all the responsibility and liability. This is definitely the least desirable form of business structure due to the huge personal risk thats involved for the individual business owner. 2. What is a Partnership? In this structure, two or more people are the owners. They usually put similar amounts of money and/or time into the business and are all responsible for running it. They also incur the debt for the business and can be held personally liable if it were to fail or be sued for the debts. 3. What is a Limited Partnership? In a limited partnership there are at least two partners involved, but they dont necessarily have the same level of responsibility - or authority. One or more of the partners will take part in decision making and the others are silent partners. 4. What is a Limited Liability Company (LLC)? This is the best and most flexible business structure and one of the easiest to set up. Its a good entity for both small and large businesses. It provides personal asset protection and offers an easy format for distribution of profits and losses. With this entity structure the liabilities of the company are only taken from business assets, not the personal assets of those who own the LLC. 5. What is a C-Corporation? There are two ways to file as a corporation: C-Corporation or S-Corporation. The C-Corp is the most structured, and rigid form and the business profits are taxed at both the corporate level and the stockholder level. In this entity, there is no limit to the number of stockholders. This structure is taxed as a separate entity, unlike the S-Corp. 6. What is an S-Corp? This is also a corporation, but its limited by the number of stockholders, which is a maximum of 75. One of the advantages of this type of business structure is that the profits are not double taxed like they are in a C-Corp. This structure is a flow through entity. This means the profits or losses flow through to the individual personal tax returns of the stockholders and are taxed on the individual tax returns.

Financial institutions generally view the corporation structures and limited liability company structures as higher rated businesses. By picking one of these for your business it shows them a more professional picture, and thus they are more likely to offer business credit or trade credit to your new company.

About the Author:

Learn more about how to set up your business structure correctly and know the pros and cons of different types of entities. Learn how to present your company as an established business so that you can get business lines of credit from lending institutions and obtain vendor credit without risking your personal FICO scores.

Benefits of Buying a San Antonio Home

By Jin Kim

Generally when people are thinking of selling up and buying a new home they will wait until the spring to do so. However, if you really want to make a killing when it comes to buying a home whether in San Antonio or elsewhere it is worth considering looking at buying it before the end of the year. There are many reasons why you should be considering buying a San Antonio home at the end of the year rather than at the beginning.

Below we look at some of the benefits to be gained from you deciding to buy your San Antonio home at the end of the year rather than waiting until the spring.

Benefit 1 - If you are in a position where you can close the sale by the 31st December then when you next file your income tax return you can deduct the mortgage interest payments, the property taxes and points from the loan from it. Plus you have the chance to take away any interest costs associated with the home equity loan you have. This will mean in the early years of repaying the loan you will not pay so much interest on it.

Benefit 2 - People who have been trying to sell their homes will be more motivated to try and get the sale completed before year end as they will also benefit from tax savings. You may find that such people are going to be more willing to negotiate on the sale price with you in order to get their property sold. Currently because of the financial climate this is a buyer's market and you mind find getting your dream home has become somewhat easier.

Benefit 3 - If you are intending to buy a new home then the chances are in order for the builder to get rid of it they offer potential buyers incentives to do so. Often the construction company who built the property will provide a number of extras in order that they can get the property sold by year end.

As you can see from above there are plenty of reasons why one should consider buying a San Antonio home or a home anywhere else for that matter at the end of the year. Certainly as the real estate market stands currently you could end up purchasing the home of your dreams for a lot less than you thought was possible.

About the Author:

When thinking about buying San Antonio Home, find benefits at San Antonio Home, and San Antonio Home

Total Visa

By Daniel Moskel

The Total Visa was designed for individuals with a low credit score. It is an unsecured card.

It reports monthly to all three major credit bureaus. By making your monthly payments on time it will help you build a positive payment history.

This is a large part of your score. Additionally another big piece is your utilization ratio.

This compares the amount of debt you have versus unused credit. It is how the bureaus determine if you can afford a new credit line.

It will help your score if you can show available credit. It is estimated that these two factors account for up to 70% of your credit score.

Removing negative credit should still be a priority and that will help improve your payment history.

This card is issued by the Plains Commerce Bank a member of the FDIC. It has an initial credit limit of $250, and a 19.92% APR. There is an annual fee of $48.

The cash advance APR is 19.92%, in case of a financial emergency. You will be eligible for quarterly limit increases.

Recently good credit cards have been raising their interest rates even with customers that are paying on time. These rates have been jumping as high as 28%, without cause.

Law makers have responded however these new laws do not go into effect until 2010. We have also seen the lending institutions tighten their requirements for approval.

Your card will have fraud protection and free online account access. Your card is accepted everywhere Visa is.

If you use your card or a new credit line responsibly it can help your score. However if you use it irresponsibly and can also hurt your score.

For this reason we feel that it is important for you to examine your budget before you make any decisions to take on a new credit line.

About the Author:

For more about the Total Visa or for a free credit repair consultation visit us or call 1-800-253-3735, or for more about Credit Card Applications.

What Are Retailer's Credit Cards? Why Do You Need Them?

By Steven J. Talrechi

The ads for them are everywhere. Retailer's credit cards promise to let us buy with no money down and no interest payments for as long as two or three years!

However, are these retailers' credit cards really the deal they seem to be? Let's take a look at what happens when you take on a credit card from a retailer.

It is true that these retailer's credit cards do typically offer a 0% interest rate and allow you to make purchases with no payment s for as long as the first two years; although this is usually limited to specific purchases. Let's suppose for instance that you sign up for a retailer's credit card offered by a furniture store. You might have with this card a discount of 10% on the purchase, along with having to make no down payment and no payments needed for two years.

That's great, if you can swing it. However, there's a caveat. If you don't pay off that credit card balance IN FULL within the time the store gives you to pay off the balance (let's say, two years), you might think that you're going to be charged interest beginning the first day after the end of that introductory period, but that's usually not true. In fact, you're also likely going to be charged interest retroactively to the day of the purchase, and it may also very well be compounded during those months, usually every 30 days or every billing cycle.

So, you have to be careful here. If you want to use one of these retailers' credit cards, you have to be willing to be very, very conscientious and pay off the balance on that credit card before your introductory "special" period ends. If you don't, you're going to be paying a lot more for that purchase than you intended to -- and here's the thing; a lot of times, retailers' credit card interest rates are HIGHER than those of your traditional Visa or MasterCard. Therefore, you're also going to be hit with a higher interest rate for those purchases.

If you're not sure that you can pay the entire balance within the introductory period, don't apply for the retailer's credit card. You are much better off not incurring this kind of debt; if possible, pay cash for these large purchases. If you cannot do so, then use a regular credit card instead ? the lower interest rates will end up saving you a lot of money over time. While you may lose out on the discount offered on the purchase price, you'll still be saving money by avoiding these retroactive interest charges.

In conclusion, then, a retailer's credit card can be a good thing to have if it's a store you shop at a lot and you regularly pay down your balance completely. However, if you don't shop at the store a lot and are only signing on for a retailer's credit card as part of a "special" deal in hopes you'll save money in the long run, be careful. Retroactive interest charges will come back to bite you if you don't pay down the balance by the end of the promotional period, and you'll be left paying a lot more than you would have if you had paid cash or even used a different credit card.

Finally, remember that no matter which credit card you use, you're going to end up paying a lot in interest charges if you don't use responsibly. So shop carefully, and pay down your credit card balances as soon as you can; in fact, it's a good rule of thumb to have that you never carry balances on credit cards for more than 30 days. Credit used responsibly can be a good thing, but you have to be careful just two you get it from.

About the Author:

Steven J. Talrechi is a veteran on credit for over 10 years. He writes about various topics on said field, including applying for a credit card, and different credit card offers.

About The The History of Credit Cards

By Jason Asthworth

Edward Ballamy first introduced the world to the idea of the "credit card" in his 1887 novel, Looking Backward.

Credit cards were first utilized by motorists in the United States in the 1920s during the car boom. They were however originally referred to as charge cards and with time, various firms permitted the use of different cards. In those days it was a piece of cake to forge a credit card since many of them were printed onto a type of card material and not plastic as they are nowadays.

During the 1930s and 1940s another form of the credit card occurred. It was known as the Charga-Plate and was made of a fairly small piece of metal, which had the owners name, city of residence, and the state in which that person lived imprinted into it. It also contained a small piece of card for a signature. Only the large retailers made use of these, and they were only issued to their everyday clients. Most often, the Charga-Plates were kept at the store.

When Ralph Schneider and Frank X. McNamara established Diners Club in 1950, they created a unique card. Unlike other credit cards, the Diners Club card gave people the freedom to use one card instead of multiple cards. Also, while you can pay only a portion of your bill on other credit cards, the Diners Club has to be paid in full each and every month.

The next card to come along was Carte Blanche and then American Express in 1958. American Express led to the creation of a global credit card system. The Visa system also came into existence in 1958 via Bank of Americas BankAmericard. MasterCard came into the world in 1966 when it was first known as MasterCharge.

With development of high security and safety in banking system in the United States of America, the credit card market rose. Travellers gained benefits of being able to use credit cards safely and easily all over the world.

The U.K. was the first country to release the credit card in 1966. Other countries were not still agreed to it, as reliability and security of it was also in question and people also were giving their preferences to cash payments.

Credit cards are now being tested that have a microchip implanted to reduce fraud. Another type of credit card being tested is the Affinity Card. This is a co-sponsored card by the issuer and an organization that carry certain features such as discounts or cash back.

The factors that influence higher credit are amount of money you make and your amount of credit card expenditures.

About the Author:

Jason Asthworth is the content syndicator for applyforvisacreditcardnow.com the leading resource credit cards and applying for a visa credit card.

Why Bankruptcy Assistance

By Joseph Then

The current economy isn't in a good shape, plus the experts are not predicting any good times ahead, most of us have had to take a long hard look at our finances and we may not like what we see! The fact is that you may very well find yourself in financial debts and you have a problem to settle the debt. Usually, the first thing that should come to mind is bankruptcy. Keep in mind, though, that declaring bankruptcy is not really as simple as it may sounds. When considering bankruptcy, remember that bankruptcy assistanceis something that you need to think about.

When you are contemplating bankruptcy assistance, remember that bankruptcy is actually a fairly complicated matter. There are six different chapters of bankruptcy that are delineated under the New Bankruptcy Laws, and althought you will usually find that you are in a position to file for a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy, there are still many areas to look at. Unless you have enough bankruptcy assistance on your side, you may fall into a trap of long term payments and be forced to be tied in deeper financial woes; worst still, and your credit will be trashed as well!

If you are confirming with bankruptcy , note that you do not necessarily want to go ahead by yourself. There are people who file without professional help, and in many ways, they regretted not looking for assistance. Never leave things to chance when you are looking for bankruptcy as a solution.

When you can get professional bankruptcy assistance, you will be in a situation to stop and really consider other options. Will you able to get out from under all of your debt free and clear, or will you look at what have been setup for you in terms of the payment plans? This is something that can mean a great deal when you are looking at filing, and once it is done, you will find that self-help guys are not in a favorable position to make these decisions on their own.

Whether you understand that bankruptcy assistance is something that needs to happen, or you are still delaying on the idea if bankruptcy is the right choice, you will realize that this is not a resolution that you want to go through on your own. Finding a local expert who can make you make the right choices at this pivotal moment is something that is quite significant, and if you want to make sure that this is the result that you don't come to heartache, it is crucial to find assistance immediately.

Finding reliable bankruptcy assistance can assist you get through this trying period and live through it relatively unscathed.

About the Author:

Bankruptcy is not a nice financial position to be in. If there is a need to go for bankruptcy, I believe that you need bankruptcy assistance. Check out our website for more assistance.

IRA 401K?

By Denise Castillo

Planning for the future is super important. Nobody wants to still be working when they are 70 years old, and no one wants to have to depend on their children to take care of them financially.

We have many different retirement accounts and funds to plan for retirement, and I'd like to talk about 2 very popular ones, the IRA and the 401K.

IRA 401K A 401k is a retirement fund usually managed by a person's employer. The employer will usually offer to match dollar for dollar the contributions of an employee up to a certain amount or up to a certain number of years. There are several reasons for this.

They are required by law, to keep x amount of liquid dollars to back up the benefits they are offering to their employees. By encouraging you to contribute to the 401K they get more money on hand to claim.

Also, they get to earn more money from the money you contribute to the fund whether by investing in the market or using in their own business. So when it comes time to pay it back to you, they will be paying you back with mostly your money and the earnings from the money you contributed.

An IRA is also called an Individual Retirement Account. They help ease the strain on Social Security by allowing benefints and incentive to the account holder for investing in their own retirement instead of relying solely on their 401K offered by their employer. Because if the employer goes down the 401K is litterally worthless.

Many differnt IRA's exist to suit different people's needs. Research them and talk to a financial advisor to find which one is right for you.

About the Author:

See if you can benefit from an IRA 401K

Pittsburgh Home

By Won Kim

It is important in order to find the best real estate agent you do some research beforehand whether you are going to be buying or selling a property. Certainly when it comes to selling say a Pittsburgh home you need to know everything you can about the selling process. Just what kind of marketing strategy does the agent use, what type of advertising is done and how much knowledge do they have about the market.

You should never go with a particular real estate agent because they say that they can sell your home for a better price than their competitors. In all likelihood any potential buyers for your home will not be willing to pay more than they feel the property is actually worth. In fact with today's current financial climate buyers are becoming more selective in their choices and carrying out plenty of research before making an offer. One thing they will do is look to see just what other houses similar to your own have recently sold for.

So it is important that you just like any person who may consider buying your Pittsburgh home you do your homework first. It is crucial you do some research into the various agents in your area and create a shortlist of those you are thinking of using. When you want to look more closely at them there are certain questions you should be asking and below we look at what these should be.

1. Enquire of how many properties that they have on their books and ask them to provide details of the properties that they have sold in the previous six months. It is important that you go with real estate agents who are selling properties that are similar to your own. If you find that they are unable to or unwilling to offer up the information you need then move on to the next one on the shortlist you have made.

2. Enquire about how long it is taking them to sell Pittsburgh homes. Although they may be selling properties quickly it does not mean the market is buoyant. The fact is that one agent may sell homes more quickly than another because they are being sold for under the market price quoted. Again you need to spend time looking at what price the agent originally put the property on the market for and what price it finally sold at. Remember you want a real estate agent who can sell your home quickly but a fair price (close to the market value).

3. Find out how long they have been in business for and what if any organizations they belong to. Although an agent may have held a license for several years you may discover that they have only been running their business on a part time basis. These agents tend not to put your Pittsburgh home high on their list of priorities. Instead although an agent may have been running his business full time for 2 years they will ensure that the effort is put into selling your home at close to the price you are asking.

About the Author:

For best advice on selling Pittsburgh Home, please review Pittsburgh Home, and Pittsburgh Home