The Importance of Writing off Your Company Vehicle

It’s tax time, and that means it is also time to understand and add up all of your deductions. Maximizing your company vehicle write-off is so important, and it is in your best interest to understand why. There are quite a few rules and regulations of course, but some are better known than others. Keep the following issues in mind when you are considering the tax deductions for your company vehicle: Usage: This might sound a bit obvious, but a lot of people run into problems with this one. I...

Getting The Measure Of Your International Courier

Using international courier services used to be seen as a luxury for domestic customers and an unavoidable expense for many businesses. The same can also be said of international air travel. Just like the latter, the past 15 years has seen an incredible sea change in the way people regard both of these. Just as budget airlines have made overseas flights accessible to all, nowadays a wide range of international courier services are available at highly affordable prices. People are using courier s...

What’s the Difference between a Charge Card and Credit Card?

Not that long ago, the most common way for a customer to pay using credit was by ‘charging it’. But today, you are more likely to hear, “Put it on my credit card.” Many people use the terms interchangeably perhaps not realizing that there are important distinctions between the two ways of borrowing. Merchants don’t care which option you use because their costs are the same either way. But it’s important for consumers to understand how each works to avoid wasting time and money. Most of the ...

How to Find the Best Small Business Credit Card

Being in possession of a business card is considered a blessing by most small business owners. However, choosing the wrong card can be more of a curse than a blessing. High interest rates, hidden fees, and inflexibility can stifle your cash flow and cause unwelcome surprises. With so many available options, how can you find the best small business credit card? Credit Score If you are either the sole proprietor of your business, or if you have less than 20 employees, your personal credit sc...

Credit Card Merchants Allow You to Conveniently Accept Payment

You run your own business and you finally have a buyer. He hands you his credit card. Your stomach tightens as you realize you have no way to accept his payment. The sale is gone forever. No, it’s not a bad dream. It’s real life, but it doesn’t have to be that way. Portable credit card readers allow you to accept payment with your smartphone with just the slide of a card, and credit card software allows you take credit card orders on your personal computer. Some credit card merchants may cha...

Getting a Mortgage or Paying Cash

What Every Prospective Homebuyer Should Consider For most people, buying a home means going into debt to finance the purchase. However, if you're fortunate enough to have the option to pay cash to buy a home, it's wise to fully consider your options before taking the plunge. Just because you may have enough money to avoid taking out a mortgage, that doesn't necessarily mean it's the right move. It's important to understand and carefully weigh the pros and cons of paying cash versus getting...

How to Keep Auto Insurance Rates Down after Filing a Claim

Getting in a car accident is never a pleasant experience. Even if no one gets hurt, you frequently have to deal with costly repairs and time-consuming paperwork and phone calls. After everything has been sorted, you have to keep an eye on your car insurance rates. If you've filed a claim, there’s a chance that your insurance premium will increase. Insurance companies determine a customer’s premium based on an insurance score. This number is representative of how risky it is to do business wi...

7 Surprising Reasons You Haven’t Paid Off Your Student Loans Yet

There's been a surprising trend in consumer debt over the past few years. For the first time ever, student loans have surpassed credit cards as the largest source of debt among American households. Total student loan debt has surpassed the $1 trillion mark, and the average person who took out a loan for higher education has $25,000 left on his or her tab. And the number of people defaulting on student loans has risen, forcing many of them to endure nasty phone calls from collection agencies on t...

Top 6 Tips for Planning and Budgeting Your Raw Diet

You've read all the benefits of eating a raw diet, which include the following: • Increased energy • Decreased risk of developing cardiovascular disease • Improved digestion • Weight loss • Decreased doctor’s office visits • Enhanced skin appearance So you've found out about the benefits and have decided that you want to adopt a raw food diet. Now you have to figure out what to buy and where and how to buy it. You could just head down to the local Piggly Wiggly or Food Lion and see...

Income Protection Insurance for the Self-Employed

Being self-employed has many benefits, but sick pay is unfortunately not one of them. If you work for yourself then getting ill is often simply not an option, because there will be no one left behind to run the business and earn you money. Unfortunately, even with all the best intentions your health is one thing you cannot control. Consequently, for those who are self-employed, it can be a wise decision to invest in an insurance policy that will keep money coming in if you do become ill or ha...