Does $400 cash or $500 toward travel sound good?
The Chase Sapphire PreferredSM Card is offering this hefty bonus right now!
Charge $3,000 to the card within the first three months, and it’s yours. Best of all, it comes along with a great travel rewards card.
Having a line of credit handy is extremely important for a small business.
Honestly, you never know what kind of expense may creep up that you can’t cover with your cash flow at the moment. But it’s not easy or practical to get a business loan in a tight jam. What to do?
Enter small business credit cards.
Not only do they provide credit, you can also find benefits such as cash back, rewards, flexible payment terms, separate tracking for business expenses, and more!
No. The CARD Act of 2009 put consumer protections in place for consumer cards but those protections aren’t mandatory for business cards. Also, if your business expenses don’t justify a line of credit then you may be fine without a business card. You may also find that you would be better off with a specific airlines miles card or travel rewards card that gives you better suited benefits than a card for your small business.
But if you are looking for a line of credit that’s separate from your personal cards or you are looking for a card that offers small business tools that will benefit you, like discounts or employee tracking, then a small business credit card can be a great choice.
Any time you buy or refinance a house there’s a litany of expenses that go with it.
There are many “hands” in the soup that is a real estate transaction, and each one of them demands some money to do what they do.
If you’ve ever wondered what those charges mean, here’s some inspiration…
Here’s a not so well-kept secret: mortgage “lenders” aren’t direct lenders, but middlemen who arrange mortgages then sell them to Fannie Mae, Freddie Mac, or Ginnie Mae. In the process, there’s a fee for nearly everything they do.
Here are the more typical ones: Continue Reading
Thanks to the Walking Dead zombies are more popular than ever this Halloween.
You might even say they’re cool.
But do you know what’s scarier than zombies? Facing yet another Halloween with your financial demons!
In what seems like an annual rite in Washington, DC, the extension of the social security payroll tax cut—a.k.a., the “payroll tax cut”—is once again up for debate.
The cut was first implemented in 2010 under the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. It provided for a 2% reduction in the employee portion of the social security payroll tax, from 6.2% to 4.2%.
The cut was set to expire at the end of 2011, but was extended to the end of February, 2012, and then ultimately through the end of the year.
But this year it’s looking like an another extension of the cut may not happen.
With the presidential election and the prospect of a lame duck Congress looming there is little debate on the Payroll Tax Cut extension. Concern is also centering on the still large federal budget deficits which will be partially reduced through the expiration of the payroll tax cut. If anyone has serious intentions of extending the cut they’re laying low right now.
Very low.
If things stay as they are on January 1st, 2013 the Payroll Tax Cut will expire.
Fall is here and that means beautiful foliage, football, apple cider and open enrollment forms.
If you have a full time career where health care is provided, each year you are likely given a stack of forms that include the option to change your health care options.
Much like your 401(k), many of these forms come with a memo from your human resources department telling you what to check, where to sign, and some charts that you may not understand.
Last month Federal Reserve Chairman Ben Bernanke announced the roll out of QE3—the third installment of a plan to intervene more directly into the financial sector of the U.S. economy.
We hear and read a lot about it in the media and on the web, but how much does it affect us?
As individuals, very little; but collectively, the effect is more substantial.
The SimplyCash® Business Card from American Express is the easiest way your business can earn cash back for every dollar you spend.
There is no hassle, no claiming your rebate, no earning an arbitrary amount of cash before you see your rewards.
Instead, the SimplyCash® Business Card from American Express automatically credits your cash rebates right to your account every month. Best of all- there is no limit to the amount of cash you can earn.
Continue Reading
Roth IRA’s have become enormously popular in recent years especially with the conversion of traditional IRA’s to Roth’s.
Now that it seems as if nearly everyone has a Roth, let’s take a look at the rule’s withdrawals. Sooner or later, we’ll all be doing it.
Before we get started, I recommend that you get advice from your CPA or tax advisor before taking any withdrawals from your Roth IRA. The rules on this are fairly complex and your individual circumstances will have a material affect on the outcome.
Do you travel Delta airlines? Want a better experience at the airport? Maybe even a better experience on the plane?
How would you like to earn free flights for using your credit card?
You can have all this and more with the Gold Delta Skymiles® Credit Card from American Express.
Here’s a quick rundown of benefits with the Gold Delta Skymiles card:
• Bonus Miles: earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
• Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
• Check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four
• Premium Travel Perks: settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
• $0 introductory annual fee for the first year, then $95.
• Terms and Restrictions Apply.
