Reasons To Get A Credit Card

Reasons To Get A Credit Card
Credit card advertisements are literally everywhere. When
one enters a bank there will be applications prominently on
display virtually as soon as you walk through the doors.
Television commercials appear all the time promoting the
benefits of certain credit card companies. Direct mail
campaigns have - for better or for worse - promoted credit
card applications for decades and this method of
advertising has greatly expanded into the world of online
email mass marketing. Yet, despite this prevalence of
credit card advertisements, many people feel somewhat
unsure of whether or not to get a credit card.

Such questioning is not necessarily a bad thing as any type
of lending procedure should be thought out clearly - even a
venture as commonplace as a credit card application. There
are, however, those individuals who remain somewhat
stubborn regarding acquiring a credit card. For these
people, there needs to be a little information put forth in
the form of compelling reasons to get a credit card. No
problem! A few of the main reasons for getting a credit
card will be provided herein.

More than anything, it is never a wise idea to carry a lot
of cash around in one's pocket. Consider the following
scenario: you wish to purchase a $1200 television set and
you are carrying the cash around in an envelope. When it
comes time to pay for the television set - lo and behold -
the money is gone and never to be recovered. Now, if it was
a credit card that was lost or stolen all one needs to do
is call the credit card company and have the card shut off.
This way there will be no financial losses. Additionally,
many cards come with theft insurance against unauthorized
purchases and if the card is used illegally there may be a
way of being absolved from the debt. When money is
lost...it is lost forever.

On a side not, credit cards can offer "buyer protection
insurance" where if there is a problem with a credit card
purchase that is not resolvable with the person who sold
you the item, the credit card company will insure the
transaction and provide compensation if the deal goes bad.
This is obviously not possible when paying with cash.

Also, credit cards serve a very valuable purpose. If you
seek an auto loan or a home loan there will be a need to
check your credit history. Now, if you do not have a credit
history you may find yourself out in the proverbial cold
when it comes to having a loan approved. As such, making
purchases on a credit card and then paying the balances on
the card in a timely fashion will help establish a history
of responsible and trustworthy credit.

Credit cards also raise your ability to make purchases that
might have previously been cost prohibitive. That is to
say, if you need to purchase something that is $300 and it
is out of your range of immediate affordability you can
make the purchase and then pay the amount back in
installments that are affordable within your budget. Of
course, this type of purchasing must come with great
responsibility or else the potential to amass mounting
debts will occur. This undermines the benefits of a credit
card and should be avoided.

Because the credit card market is notoriously competitive,
many of the different lenders will provide a host of
benefits to attract your business. This can include reward
programs for retail merchandise, cash back benefits and
even free airline trips! As such, these incentive benefits
can be accrued when purchasing with a credit card making a
credit card an attractive option to use for purchasing
needs.

As one can see, there are a multitude of positive reasons
for acquiring a credit card so what are you waiting for?
Put in an application for one today!

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To apply for a range of credit cards today, many of which
offer instant acceptance, visit our new site where you can
compare various cards then apply in minutes at
http://www.apply-for-a-credit-card-online.net

How to be a Banking Customer VIP

How to be a Banking Customer VIP
Once you hit 18, unless your parents are kind enough to
help you out, you're on your own. This new independence
can be a blast; however, to continue to fully enjoy this
time there are a few things that will help you afford your
new freedom. One of the first is to have your bank
accounts in place.

How you manage your bank accounts today will determine
whether you're able to live the lifestyle you desire
tomorrow. That's why it's important to open a bank account
and establish a relationship with a bank as soon as
possible. Opening a bank account will help you to develop
a proven track record which can give you advantages when
you need a student loan, a car loan, student credit card or
a mortgage.

Why open a bank account?

1. Safety - Money that is held in a FDIC insured bank is
safer than holding onto cash. Your accounts are insured by
the government up to $100,000 so there is not a risk of
losing money.

2. Interest - Everyday you have money sitting in a checking
or savings account, the bank is paying you interest.
Interest rates vary depending on the bank so when choosing
a bank this is an important feature to compare.

3. Organizing your budget - A checking account is the hub
of your finances. Money you deposit in there can be
directed to pay bill, savings and investments.

4. Easier - With online banking you can set up your
accounts to automatically pay your bills each month. Once
you set this up once you're done. You just need to make
sure you have enough money in your account when your bills
go out.

5. Tracking - Paying someone in cash can result in
problems. That money can be pocketed instead of applied to
your bill and there's no way for you to prove you paid
them. Paying by check, credit card or debit card will
leave a paper trail that will prove you paid the bill.

6. Direct deposit - Rather than giving you physical checks
you employer can just deposit your earnings directly into
your bank account. This saves you a trip to the bank and
often you're able to access the money immediately.

7. Future services -Building a long-term relationship with
a bank will benefit you more over time. As your banking
needs grow you can get better terms on student loans,
student credit cards, auto loans and other services the
longer you have a relationship with a bank.

How to Open a Bank Account.

When you open a bank account you should be looking to build
a long partnership with the financial institution.
Building a long-term relationship with a bank means you
will one day receive preferred treatment. The next time you
need a student credit card or other type of loan, you will
typically qualify easier and pay lower fees because of the
relationship you have built. Think of it this way: the
sooner you open your bank account, the sooner you will
enjoy preferred treatment.

Find a bank that offers services you need now and may need
in the future. Immediately, your needs just may be for a
checking account. However in the future you may need a
savings account, student loan, student credit card and may
want to invest money in the stock market. It's much easier
to locate one financial institution that can handle all
your future needs.

In order to decide which bank is right for you and your
money, you need to consider your expectations and purpose
for opening a bank account: is it for business, pleasure,
savings, wage-depositing, eventual loans, etc.?

Check out a few banks and compare bank fees, service
charges, and interest rates. Also make sure their ATM's
are convenient. If not you could rack up additional fees
for using other bank's ATM machines.

When shopping for a bank account to open, choose one that
offers a quality online bill pay service. Online banking
simplifies your life and makes all your banking
transactions available at the click of a button. This
allows you to check balances from the comfort of your own
home and electronically pay monthly bills without ever
writing a check. It also, it gives others the impression
your bills are handled by a professional accountant.

Opening a bank account is the first step in building your
financial foundation. The sooner you start developing a
relationship with a bank or financial institution the more
benefits you will receive now and in the future.

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To learn more practical banking tips visit
http://www.FreeBy30.com for free video instruction. Vince
Shorb, author of 'Financially Free by 30' and leading
financial literacy advocate provides step-by-step
instruction on how to automate your finances and reveals
the secrets to wealth creation.

Up To $250,000 Financing, Start Ups and Marginal Credit Welcome

Up To $250,000 Financing, Start Ups and Marginal Credit Welcome
If you are looking to start up and/or expand a business,
finding capital is always one of the most difficult
adventures the entrepreneur will encounter. Two key
components to the financing side is the credit
qualifications and the amount of money required either to
start up and/or expand the operations.

One of the solutions, that I can offer to you in a
leveraged world is the concept of leasing. Leasing is an
unique opportunity for the individual and/or business to
utilize very little front money and acquire financing up to
$250,000, application only. An application only means there
are no financial statements, income tax returns, personal
financial statements and bank statements required. The
collateral of the acquisition and your good credit is the
key to this approval, no additional collateral is required.

In this equation, you must asking yourself what good credit
is, a personal credit score of 680, 700 and maybe 725 or
higher. In this imperfect world where the economy is
somewhat unstable, this opens up a unique opportunity for
dealer financing with small and large U.S lenders. One
particular program offers the start up and seasoned
business an unique opportunity where the minimal personal
credit must be 575 or higher. Wow, are you kidding and no
bankruptcies discharged within five years. With an unstable
economy and a shrinking labor pool, this offers an unique
opportunity for the start up business and the seasoned one
as well.

You probably asking what the catch to this is? Really none
except this is a dealer financed inventory and you must
select the items out of the lender's inventory. This
inventory includes approximately 300 work trucks, trailers,
and construction equipment. These items range from
basically new to ten years old and all items are
reconditioned prior to being re-leased. The front money on
these deals, at this time of year, range from 3-5% of the
acquisition cost and financing up to 60 months. Wow! All of
the dealer financed inventory has residual buyout clauses
at the end of their leases from ten to twenty percent,
Therefore you can take title to the acquisition. If you
don't have the funds available at the end of the lease, the
lender permits you to continue making payments on the
residual until it is paid off, so either way you will take
title to the item financed.

Examples of what is in the dealer financed inventory: dump
trucks, over the road trucks, day cabs, garbage trucks,
landscape and grapple trucks, flatbed trailers, dry van and
reefer trailers, backhoes, excavators, dozers, forklifts
etc...

One of the additional features of this dealer/finance
program is that shipping to your location is an additional
option for you. The location of the dealership is in the
Midwest. The decision that you have is whether you want to
fly out and inspect the acquisition and drive it home. The
other option is that the dealer can have it shipped to
where you live. This additional charge can be financed,
however requires some additional front money, the decision
is yours whatever is best for you.

In conclusion, whether you are a start up business or a
seasoned one, there are many leasing programs available.
You should be careful and understand the details behind the
lease and the lender requirements. Many banks and lenders
also offer repos and off lease commercial vehicles and
heavy equipment for lease with advantageous terms. Check it
out and find yourself a deal.

----------------------------------------------------
J.M Luna has over thirty years in the financial field. This
includes accounting and taxes, leases, hard asset money and
working capital Loans and commercial lending. U.S Corporate
can assist the start up buiness as well as the seasoned one
in all different types of industries.
http://www.cclgequipmentleasing.com/DealerFinancing.htm

Top Five Reasons to Invest in Real Estate Today

Top Five Reasons to Invest in Real Estate Today
When it comes to real estate, the topic of the day is the
downturn in the market, the number of people losing their
homes, and how much this is going to hurt the economy. In
the seventeen years I have been in the real estate
business, I have witnessed every fluctuation the market has
to offer. While it is true that many property owners are
enduring trying times, rarely does the same happen to
knowledgeable real estate investors.

There are those individuals who remain emotionally
unattached and invest wisely in real estate. As a result,
they live a very comfortable, if not lavish, lifestyle.
Investing in real estate, especially during a downturn, can
widen an investor's opportunities and bring about lucrative
returns. This is a truth. If you are thinking about
becoming a real estate investor or have already made the
decision to start, the following information is priceless.

Wanting to secure a comfortable financial future, most of
us go to work every day hoping to build a nest egg. Since,
it is common knowledge that real estate investors have the
capacity to not only build a nest egg but also create a
fortune, why aren't more people joining the ranks of real
estate multimillionaires? Why aren't there more people
fighting for a seat on the real estate bandwagon?

Well, the truth behind real estate investing is that it is
a business and therefore, must be treated like one for it
to prosper. Just like any other promising venture,
investing in real estate requires a well-defined vision, a
strategic plan, and an entrepreneurial mindset. Even with
the overwhelming evidence revealing success, only a
microscopic segment of the population is willing to take
the risk, do the work and follow through. The rest simply
watch and call those of us doing the work "Lucky".

When I began my career in real estate, I didn't have a
plan. I didn't invest. I didn't even see past my next
commission check. What kept me hanging on was a desire to
live like the people I worked for, most of whom were real
estate investors. Years later, I committed to create
serious wealth through real estate. As soon as I mindfully
committed to my goal, I began to make deals and more money
than ever before.

By choice, I am not one of those investors who vacations
six months out of the year. I work all the time meeting
with clients, looking at properties and refining my
strategy. Add to that a growing number of
mentoring/coaching clients and my schedule is officially
full. Nevertheless, I am continuously increasing my net
worth as I am doing something that never feels like work.

Besides creating amazing wealth, being your own boss and
having a place or two to call home, owning a real estate
investing business has many other advantages. The following
five play a special role for the novice investor.

1. Safe Investment

When we use a timeline to compare the real estate market to
other investments, such as the stock market, it is easy to
see that real estate continues to increase in value over
time without any serious instability. Although, there is
currently a housing crisis in various parts across the
country, every indicator points out that what we are
actually experiencing is a readjustment of highly inflated
real estate prices. Just as prices may be dropping, in time
they will undoubtedly increase. In contrast, the stock
market has put investors through a dizzying rollercoaster
ride made up of swift highs and abrupt lows throughout
history. Regardless of what type of market we are in, it is
clear that an investment in real estate guarantees a profit
over time.

2. No Cash Necessary

For beginning real estate investors, sometimes the only
investment they can make is their time. For every real
estate investor, finding a lucrative deal is as good as
striking oil. There are plenty of seasoned investors with
money in their pockets itching to buy a piece of discounted
property. Wholesalers often utilize this method. Therefore,
if you are new to the game, consider finding a deal, tying
it up and connecting with an investor who can take it off
your hands...for a price, of course.

3. Almost Anyone Can Do It

Real estate is such a lucrative field that it opens doors
to countless amateur investors everyday. There are how-to
books and seminars at every turn teaching would-be
investors a myriad of ways to make huge profits in the real
estate market. While it is true that overnight success is
practically unheard of, anybody with the heart, mind and
determination can make it big in real estate. The keys are
to continue learning and to monitor market conditions.

4. Leveraging Power

While novice investors can turn a quick profit by
wholesaling their deals, Buy-and-Hold investors can yield a
profit by borrowing against (leveraging) their properties.
Typically, lenders will allow holders of owner-occupied
property to borrow up to ninety-five percent of their
property's value and up to eighty-percent of non-owner
occupied units. This means that you can either purchase
property with a minimal out-of-pocket investment or acquire
financing that will allow you to pull cash out of your
property's equity to use for future ventures.

5. Tax Breaks

The popular 1031 exchange and depreciation are just two of
them. The United States government has set up multiple tax
breaks favoring real estate investors. Owning real estate
with the goal of making a profit allows you to deduct
interest payments, repairs, and vacancies among other
expenses when preparing your tax return. It is important to
note that purchasing real estate makes economic sense; it
should not be purchased solely for the tax benefits.

Ultimately, owning a real estate business is the way to
achieve financial freedom regardless of economic
conditions. Whether you quit your job and dive right in or
you work at it in your spare time, you can make it happen.
Worthwhile benefits are waiting faithfully for the taking.

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Brenda Coté is a Real Estate Investor, Real Estate
and Mortgage Broker, Mentor, and Wealth Coach. At
Transforming Lives, Creating Wealth, Brenda employs a
"whole person" approach to support female Real Estate
Investors succeed in business and life. To receive a FREE
copy of Brenda's Report, "The Seven Biggest Mistakes Women
Make When Creating Wealth Thru Real Estate" please go to:
http://www.TransformingLivesCreatingWealth.com