How to Get Cash Back From a Credit Card: 13 Steps


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How to Get Cash Back From a Credit Card

Understand how cash back rewards work. The cash back on cards that offer this benefit usually come in the form of credit added back to the account. Depending on the card, you will earn different cash back amounts in the form of percentages. The Royal Bank of Canada (RBC), for example, offers a card that pays 2% for purchases in grocery stores and 1% on all other purchases and automatic payments. [1]

  • Different issuers will provide different options regarding when to apply the earned cash back benefits. The aforementioned RBC card, for instance, allows you to receive the payments every time the balance reaches $25 or once a year, getting you a bigger sum all at once. [2]

Compare cash back benefits. You can use websites such as NerdWallet or The Simple Dollar (among many others) to compare the relative benefits of different cards, such as where they earn the highest percentage of cash back and how you get to apply the funds. [3] [4]

  • Most offer between .05% and 2% on average, although some have raised it as high as 5%. Other cards offer higher rates for the first several months you have the card but not permanently. [5] Read the fine print on each card to determine which is most likely to benefit you.

Narrow your selection based on other credit card criteria. Cash back cards are still subject to annual fees and annual percentage rates (APRs) just like normal credit cards. Make sure you take these factors into consideration as well as you research and choose an appropriate card for you.

  • Since APR is tied to factors like credit score, it helps to have your current score on hand. Many of the sites you can use to compare cards allow you to narrow based on your credit score as one of the criteria. [6]

Apply for the card you choose. The application process for these cards is the same as any other credit card. It will include your personal information, such as address and social security number, as well as employment information. You will also have to authorize the company to look into your credit history. Try not to apply for a card for which you think you might not qualify. The number of times you apply and are rejected for a credit card makes up part of your credit score.

  • Most companies will allow you to apply online, or you can print off an application to mail in.
  • Once you receive the card, you will call a toll-free phone number to activate the card.
  • Sign the back of the card in the signature box, or write “request ID” if you do not wish to have your signature on it. You will then be required to show identification each time you use the card.

Tips Edit

Review and compare your current program at least once a year to new offers, as these are ever-changing. If you find an offer you like, call your current credit card company and attempt to negotiate. It is easier to stay with the same company than to change if they are willing to meet your terms.

Check if the card is 0% interest and zero fee for the first year only or also for subsequent renewals. They often will trick you here in the fine print.

Consider cards where you earn miles or points as well. Cards where you earn rewards with specific businesses such as airlines or companies often accrue rewards at a higher rate than cash back rewards. Though these rewards are less redeemable, they can still turn out more beneficial to you if you commonly make large purchases with that specific merchant.

Use the card for everyday purchases to optimize your cash back reward.


03/11/2017

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Free Junk Car Towing in Falls Church, Fairfax, Manassas Virginia #free


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Cash Junk Car Virginia .com
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13/10/2017

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Milwaukee Car Donation Services #car #donation #cash


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Milwaukee Car Donation Services

(1) Rawhide’s average sales price, based on 2012 IRS tax filings, is 48% higher than the top nationwide car donation charity

Donate Milwaukee Cars and Vehicles Here

Are you thinking of making car donations in Milwaukee to a worthy cause? If you are, then consider donating to Rawhide Boys Ranch in New London, Wisconsin. We ll pick up and transport your vehicle for free within 24-48 business hours or provide a local drop-off center if you wish to drop it off the same day in Milwaukee.

Your donation will fund Rawhide treatment programs that help at risk youth and families turn their lives around.

Benefits of Milwaukee Car Donations to Rawhide

  • 83% of donation proceeds directly fund treatment programs for at risk youth
  • Receive on average a 48% higher tax deduction than from other national car donation charities
  • We accept all car donations whether they are running or not
  • We arrange a free vehicle pickup service for you

Ready? Follow These 3 Easy Steps

  1. Fill out this Milwaukee car donation form to the right. The form takes just 60 seconds to complete. Or, call our Milwaukee car donation experts directly at 414-255-2561 .
  2. We will call you to arrange a free vehicle pickup service.
  3. Receive a tax recipe for your donation.

The process is that simple. So donate a car or vehicle and give back to your Milwaukee community today.

Rawhide offers a full continuum of programs and services that provide prevention-based programs for youth and families, and includes more intensive residential services for at-risk young men. Rawhide staff is caring, professional people who are committed to achieving positive outcomes for every youth or adult we serve.

Rawhide was founded in 1965 by John and Jan Gillespie with the help of NFL Hall of Fame Legend Bart Starr and his wife Cherry. We have a unique, rich story that will inspire you. Read on to learn more about our history .


21/09/2017

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Business Loan for SME in Malaysia #business #loan, #loan #malaysia, #small


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SME Loans

Need a business loan but have minor CCRIS problem and no guarantor?

Need additional working capital but have no asset or collateral?

We are a business loan consultancy team consisting of ex bankers and lawyers. We assist SME and SMI entrepreneurs to arrange for credit facilities from conventional or islamic banks. Common needs for financing include:

Loans for Asset Acquisition

Asset acquisition is one of the many strategic ways to expand your business. Some of the available business loan products for asset acquisition include:

Term Loan
Term loan is for a specific amount that has a specified repayment schedule and a floating interest rate. It is useful for acquiring assets such as land, buildings and vehicles.

Bridging Facilities
An interim financing (usually one year) to allow the borrower to meet current obligations by providing immediate cash flow pending the arrangement of larger or longer-term financing.

Leasing
Leasing is a contract by which one party conveys land, building, equipment or machinery to another for a specified time, usually in return for a periodic payment. It enables SME to acquire the usage of physical assets without having to purchase.

Industrial Hire Purchase
Financing to upgrade or buy machinery and equipment as part of expanding your business capacity without incurring high upfront payment thus freeing up funds for other uses.

Short Term Financing for Working Capital

To run smoothly, your business needs working capital i.e. the cash available for day-to-day operations of an organization. There are various products offered by financial institutions to provide additional liquidity to your business. And these include:

Overdraft
An overdraft is a credit facility loaded to your current account where the bank extends credit to meet working capital needs such as payment of salaries, purchases, utilities and other unplanned expenses. Although overdraft provides flexibility and convenience the interest is high as it is calculated on a daily basis on outstanding balance at the end of each business day.

Revolving Credit
Revolving credit (also referred to as line of credit LOC) is a type of credit that does not have a fixed number of payments. Corporate revolving credit facilities are typically used to provide short term liquidity for a company s day-to-day operations.

Factoring
In Factoring, SMEs can sell their accounts receivables (i.e. invoices) to a third party (called a factor) at a discount. The purpose is to obtain cash advance to meet urgent cash obligations.

Trade Financing

Another option to provide short term financing is trade financing. Some of the common trade financing facilities provided include:

  • Letter of Credit (LC)
  • Bills of Exchange Purchased (BEP)
  • Trust Receipts
  • Foreign Exchange Contracts
  • Bankers Acceptance
  • Export Credit Financing

21/09/2017

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Best and Cheap Instant Payday and Cash Loans Online, Bad Credit


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Instant Loans

Need some money fast? We can help!

Swift Loans Australia provides super fast, easy cash loans online, and once approved , we transfer the funds from our bank account within 60 minutes *.

Our brilliant application process is really simple and quick to complete, and the great thing is that you will know exactly where you stand really fast.

After approval, our secure online system then transfers the money from our bank account within the hour*, and you re then good to go.

What s more, we give you the option of repaying your loan over 10, 14 or 18 weeks, so that you re comfortable paying us back over a time frame that suits you.

Once you ve successfully taken out a loan with us, we ll make you a Swift Loans VIP member, so that the next time you need some emergency cash, the process is even faster!

So, Apply Now, and we ll arrange for some Swift Cash for you today!

*NB. We will always aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST standard bank hours. The processing of, and subsequent deposit into your account, will always be subject to your financial institution, which is outside of our control.

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WARNING – Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

  • Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Email: http://www.humanservices.gov.au/advancepayments

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

WARNING – Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

  • Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink:

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Privacy Consents Electronic Authorisation

Swift Loans Australia Pty Ltd has a comprehensive Privacy Policy that outlines the ways in which the company collects, manages, distributes and stores information provided by our customers. This policy also outlines the ways in which the company provides access to this information for collection, as well as the procedure for contacting Swift Loans should you have any questions. To access this policy, please click on the Privacy Policy tab at the bottom of our website or click here

By consenting to the terms and conditions outlined in Swift Loans Australia Pty Ltd s Privacy Consents and Electronic Authorisation, you agree for the company to collect, use and disclose personal information about you.

The information that you provide may be used for the purpose of providing you with a loan, for marketing purposes, or in conjunction with our affiliates and/ or business partners. Should you wish to gain access to this information for any reason, please contact Swift Loans Australia Pty Ltd. Should you wish to not receive any marketing or promotional material, please also contact Swift Loans Australia and they will remove your details from marketing distribution.

By consenting to this policy, you agree that Swift Loans Australia Pty Ltd and their associates may undertake any of the following at any time:

a. Assess an application for credit by you by seeking and using Credit Information about you.

b. Request and use information about your current and previous employment history in order to assess your application for consumer credit.

c. Using the services of a credit-reporting agency, such as Veda Advantage, Dun Bradstreet or Experian, Swift Loans Australia Pty Ltd may disclose information about you, the customer, for the purpose of receiving a credit report to verify your information and assist in the processing of your loan application. Swift Loans Australia Pty Ltd may also use the services of these companies in order to assess your credit history, past and current loan status, overdue accounts and details of the loan requested from Swift Loans Australia Pty Ltd.

d. It is a requirement by law, that Swift Loans Australia Pty Ltd discloses information about you to any organisation involved in the provision of credit to you, anybody in connection to a complaint concerning you or the services provided by Swift Loans Australia Pty Ltd, any of our associates, or any third party wishing to invest in Swift Loans Australia Pty Ltd.

e. Contact you directly to discuss your suitability in relation to the services provided by Swift Loans Australia Pty Ltd or any of our associates and/or business partners.

f. Any or all of the actions as outlined in the Privacy Policy of our website.

As a customer of Swift Loans Australia Pty Ltd, you consent to the company contacting you via email, or via our VIP Member area website as ways in which to distribute documents and information relating to the status of your loan(s). You understand and agree that by giving this consent

a. You must regularly check all nominated addresses, VIP Member area and your phone for notices

b. Unless required by law, Swift Loans Australia Pty Ltd will not send hard copies of any documentation

c. You may withdraw your consent to receive electronic documents and notices at anytime, and only with the provision of an alternative means of communication.

d. Should Swift Loans Australia Pty Ltd provide information that can only be viewed in the customer s VIP Member login page, the company will contact you via email with information to this effect.

e. Swift Loans Australia Pty Ltd will make all notices, statements of account, copies of the contract, Terms and Conditions, statutory notices (including the Credit Guide and Information statement) available for a reasonable period of time in the www.swiftloans.com.au VIP Members Area for access by you, using your nominated login and password.

f. By clicking I agree you will be creating a binding legal obligation where indicated.


20/09/2017

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Rate and Term Refinance #mortgage #refinance,rate #and #term #refinance,,no #cash #out


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Rate and Term Refinance

In the mortgage realm, a refinance refers to the replacement of an existing mortgage(s) with a new home loan. The refinance loan will come with a new interest rate (ideally lower) and mortgage term. The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan.

Think of it this way – you are re-financing your mortgage, meaning you are obtaining new financing for an existing loan. The issuer of the new mortgage pays off the old loan with the proceeds from the new loan.

When you obtain new financing, you can either go back to your original mortgage lender or shop around with other banks and lenders. Either way, when you refinance you are seeking out new financing terms for one reason or another.

What type of refinance are you looking for?

The simplest type of mortgage refinance is called a rate and term refinance because the borrower is simply changing the interest rate and term of the loan, and perhaps the loan program, but not the loan amount. It may also be known as a no cash out refinance for this reason.

Typically, a borrower will consider a rate and term refinance if their current mortgage is an adjustable-rate mortgage and the fixed period is due to expire. Or if mortgage rates have dropped significantly since they originally took out their loan.

An example would be a 3-year ARM. The first three years are fixed, and then the mortgage becomes adjustable, based on the margin and index tied to the loan. At or before this first adjustment, borrowers will often look to refinance to avoid the impact of the fully indexed rate, assuming it s higher than the initial rate.

Look at this example of a rate and term refinance in action:

Loan type: 3-year ARM
Loan amount: $500,000
Start rate: 5.875%
Margin: 2.25
Index: 5.439%
Fully indexed rate: 7.69%

Most short-term ARMs are hybrids with 30-year terms. In the above scenario, the first three years are fixed and the remaining 27 years are adjustable. This may be represented as a 3/1 ARM. After three years, the interest rate adjusts to the sum of the margin and index, and can adjust annually both up or down.

Your Mortgage Rate May Rise If You Don t Refinance

If the borrower doesn t refinance after three years, their interest rate will jump from 5.875% to 7.69%, using our example from above. There are initial rate caps that may limit the amount the interest rate can actually rise (or fall), but it usually won t be sufficient to keep the mortgage rate in check.

So most borrowers will likely look to refinance their existing loan with a new loan with a longer fixed period and a lower interest rate. Or simply refinance into another ARM with an initial teaser rate .

Homeowners have the choice of refinancing their existing loan with their current mortgage lender or shopping rates and loan programs with a new bank, lender, or broker .

It is always recommended that you shop around when looking to refinance, as rates, closing costs, underwriting requirements. and loan programs can and will vary greatly from lender to lender.

Consider Closing Costs Associated with a Refinance

Although there will be closing costs associated with the new refinance mortgage, the lower interest rate should eventually offset these costs and benefit the borrower in the long run. This is known as the break-even point of the refinance – essentially when the closing costs are offset by lower monthly mortgage payments. so subsequent payments save the homeowner money each month.

Think of it this way. If the homeowner stays in their adjustable-rate mortgage at 7.689%, they will pay $3561.01 a month in principal and interest payments. If they choose to refinance into a lower fixed-rate mortgage. say 6.5%, they ll pay $3160.34 a month in principal and interest payments. That s a savings of $400.67 a month.

Sure, there may be closing costs associated with a refinance, but the monthly savings will cover those costs over time. Additionally, you might even be able to execute a no cost refinance whereby you pay no closing costs in exchange for a slightly higher-than-market rate, but still receive a rate well below your existing one.

These monthly savings are exactly why a homeowner would opt to carry out a rate and term refinance. Of course, if they only stayed in the home/mortgage for a year or two, perhaps they wouldn t recoup the costs associated with the refinance. In that case, it would be a poor decision to refinance. So always do the math and look ahead before agreeing to carry out a refinance.

Why Homeowners Refinance Their Mortgages

  • To obtain a lower mortgage rate
  • To swap an ARM for a fixed mortgage
  • To reduce monthly mortgage payments
  • To tap their home equity for cash
  • To consolidate combo mortgages
  • To consolidate other debt
  • To pay off high-interest rate credit cards and other loans
  • To remove someone from a loan (ex-spouse)
  • To remove mortgage insurance
  • To switch loan programs, such as FHA to conventional

Tip: Most mortgage lenders will let a borrower take out incidental cash-out (home equity ) of the lesser of 2% of the loan amount or $2,000 $5,000, and still consider it a rate and term refinance. Anything beyond that would probably be considered a cash-out refinance. which is the other popular type of mortgage refinance available.

Great article. One question. I m looking to pick up investment properties (most likely 5 unit+). I m using private money to finance the deal (investor receives a promissory note) and want to pay back my investors via a refinance + equity position and % of cashflow. The route that makes the most sense to me is to get a cash-out refinance and use that 75% LTV to pay back the investors all or most of their investment. This would be done through increasing the value of the property through rehabs, raising rents, etc
The hurdle I see is that getting a commercial cash-out refinance can take as long as 2 years for seasoning for 20+ unit buildings.
At the beginning of the article you mentioned The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan. So my question is could I get a term and rate refinance in order to achieve the same results? In essence, would bank 2 pay back Bank 1 (private lender) their loan balance? It sounds doable as none of the funds would be going to owner but to the original lender. The seasoning requirement for a term and rate refinance is much shorter and the numbers are better than most cash out refinances so if that works it seems like a great option to me. Just wanted to clarify.


03/09/2017

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Car Title Loans Frequently Asked Questions #car #title #loans, #auto #title


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What is a Title Loan?

A car title loan is a fast way to borrow money using the equity in your paid off vehicle as collateral for a loan. Call us now for instant approval.

Why should I pick your company?

We have one of the lowest rates. Clients are funded in 30 minutes or less. Our application fee is the same no matter how much you borrow. No credit checks. Friendly customer service that will work with you during these hard times.

Do I need good credit to get a loan?

No, your credit history is not a factor. Your approval is based upon your vehicle’s equity, vehicle’s condition and your income.

Can I pay off my loan early without a penalty?

Yes, we do not charge prepayment fees. You can pay off any portion of your loan at any time without incurring a penalty. We encourage you to pay back your loan as early as you like.

How much can I borrow?

You can borrow anywhere from $2600 to $15000 depending on the wholesale value of your vehicle and your income. Please fill out the Application to see how much you qualify for.

How long does it take to get a car title loan?

Your money will be ready in 30 minutes or less. Many car title loan companies advertise 30 minutes or less but in reality take much longer, even 24-48 hours. Some competitors request you to go to DMV to add them as lien holder.

Do I have to go to the DMV?

No, we take care of the DMV work for you. No need to waste your whole day at the DMV which a lot of our competitors request in order to get a loan. Remember our entire loan process takes 30 minutes from the time you come to our office and leave with the money and your car.

Are there any fees for a car title loan?

Yes, but we only charge $75 for application fee no matter the loan amount. Most of my competitors charge between 5% – 10% for loan amounts $5000 and over.

How long do I have to pay back my loan?

Typically our loans are for 36 months but can range anywhere from 12 – 36 months depending on your situation. Remember we will never penalize you for paying extra or paying off early.

Does my car need to be paid off?

No. Even if you have another car title loan on your vehicle, you may still qualify with us. Call us to find out how we can help you.

Can I keep driving my car while I have a car title loan?

Yes, you keep the car and the cash while making your scheduled payments on your car title loan.

Can you pay off my car title loan at another company?

Yes, as long as you have enough equity in your vehicle. Call us to find out how we can help you.

Are you an affliate of a car title loan company?

No, we are the direct lenders. That’s why we can fund loans in 30 minutes or less. Call us now for instant approval.

Does my vehicle registration have to be current to qualify for a car title loan?

No, we can take care of your DMV work and the fees can be deducted from your loan.

Can I still get a car title loan if I lost my title?

Yes, if you’ve lost your title, we will help you obtain a new title to get a car title loan. If a lien is on record at the DMV, you must get a lien satisfy from the previous lien holder.

Do you accept Salvaged cars?

Yes, we do accept salvaged cars but depends on the value of your vehicle. Call us for more information.

How much does my car have to be worth to get a car title loan?

Your vehicle must have a wholesale value of at least $5000 in order to qualify for a car title loan. You can submit an Application or Call us and we will glady help you determine how much you can get.

Do I need to provide an extra set of keys?

No, unlike many other car title loan companies, we do not require an extra set of keys.

Do I need to be currently employed?

No, you can be on unemployment, disability or retired. All we need is proof that you receive enough income in order to make your monthly payments. We also accept co-signers if needed.

How secure is my information?

The security of your information is also very important to us. We use Secure Sockets Layer (SSL) encription to protect the transmission of your information.

Why choose a car title loan over a bank loan?

Most people choose car title loans because they do not qualify for traditional bank loans. Car title loans are also processed more quickly and have fewer requirements than bank loans.

How long will it take to get approved?

You will be approved in minutes during office hours and notified first thing the following business day for application received after hours.

Can I still get a car title loan if someone else’s name is on title with me?

Yes, only if it has an “or” between both names. Example – John Doe or Jane Doe. If it says John Doe “and” Jane Doe or John Doe “/” Jane Doe both persons will need to sign for the loan.

What documentations do I need to provide for a car title loan?

You will need to provide the following:
1. Certificate of Title (Lien Satisfy or Lien Release acceptable)
2. Registration
3. Proof of Insurance (Full coverage with maximum $1000 deductible)
4. Proof of income (2 recent paystub or 2 months bank statements)
5. Driver’s License (Must be 18 years or older)
6. Proof of Residence (Current utility bill)
7. 5 References (Family and friends)

What is your address?

1300 West Olympic Blvd. Suite 204, Los Angeles CA 90015.


31/08/2017

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MLB BankAmericard Cash Rewards MasterCard – Apply Online #mlb #bankamericard #cash


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MLB BankAmericard Cash Rewards Mastercard

Credit Needed
Excellent/Good

  • New Offer: $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team’s colors and logo
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem cash back into a Bank of America checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% – 23.99% variable APR. 3% fee (min $10) applies to balance transfers

at Bank of America s
secure site

  • Purchases Intro APR 0% Introductory APR on purchases for 12 billing cycles Balance Transfers Intro APR 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days Regular APR 13.99% – 23.99% Variable APR on purchases and balance transfers Annual Fee $0 Credit Needed Excellent/Good

See the online MLB BankAmericard Cash Rewards Mastercard application for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the Apply Now button you can review the credit card terms and conditions on the credit card issuer’s web site.

* For additional rates, fees and costs see issuer’s website for detailed pricing and terms.

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CARDMATCH is a free, secure service that will not affect your credit score. Simply provide your basic information, and view offers that match your credit profile within seconds.


28/08/2017

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Using Your Credit Cards for Cash Advances Before Bankruptcy #business #cash


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Using Your Credit Cards for Cash Advances Before Bankruptcy

If you’re having financial difficulties and you have available credit on your credit cards, it may be tempting to take out a cash advance to float your budget a little while longer. However, taking out a cash advance could cause you problems if you end up filing bankruptcy afterward.

Credit Card Debt in Bankruptcy

Credit card debt is generally dischargeable in bankruptcy. This means that if you obtain a bankruptcy discharge, you will no longer be responsible for your credit card debt. (To learn more about what happens to credit card debt in bankruptcy, see Credit Card Debt Bankruptcy .)

However, if your credit card debt meets certain criteria, the credit card company can file an adversary proceeding within your bankruptcy case asking the court to make the debt nondischargeable. (To learn more, see our topic on Adversary Proceedings in Bankruptcy .)

When the Court Presumes That Your Cash Advance Should Not Be Discharged

If you take out cash advances on one credit card that total more than $950 (as of April 2016) within the 70-day period before you file your bankruptcy, bankruptcy law presumes that the debt is nondischargeable. If your credit card company files a a complaint for nondischargeability, you will have to overcome that presumption. To do so, you’ll have to prove to the court that you did not intend to defraud the creditor when you took out the cash advances. Generally that means showing that you intended to repay the debt and that you did not take the money out thinking you could just discharge the debt in your bankruptcy case.

Cash Advances Might be Nondischargeable Even Without the Presumption

Even if the time period and total cash advance amount requirements are not met, a creditor can still sue you in your bankruptcy if you take out cash advances before you file bankruptcy if it can prove you did so with the intent to defraud the creditor.

Example 1. Angela wanted to buy a formal dress for her cousin’s wedding. She found a dress in a classified ad that she liked, but the seller would only accept cash. Angela did not have any money in the bank, so she took a cash advance from her credit card to pay for the dress, which was $500. She filed bankruptcy ten days later. The presumption of fraud does not arise, because the cash advance was less than $950; however, the creditor can still file a nondischargeability complaint. The creditor will simply have to prove that Angela intended to defraud.

Example 2. Kate knew she had to file bankruptcy, because she could not handle her debt load. However, she wanted to attend her friend’s bachelorette party, and she needed money. She withdrew a $600 cash advance from her credit card, figuring she wouldn’t have to repay it if she filed bankruptcy. She did file bankruptcy 80 days later without repaying any of the money. Her credit card company can sue her for fraud, and if it can prove she took out the money with no intent to repay and with intent to discharge the debt in bankruptcy, she will not be able to discharge the debt.

Example 3. Anne was in a lot of debt, but she was managing it as best she could, although barely. She hadn’t paid her car loan in two months. Her grandmother died, and she needed to buy plane tickets to go to the funeral. She took a cash advance of $1,000 from her credit card to pay for the tickets and for her rental car. When she was paid the following week, she paid $50 towards the debt. Two weeks later, she received a notice that her car was about to be repossessed. Anne quickly filed Chapter 13 bankruptcy to prevent her car from being taken. The credit card company filed a nondischargeability action for the cash advance. Anne may be able to overcome the presumption of fraud by proving that she intended to repay the debt and did not take the cash advance in anticipation of bankruptcy – she made a payment on the debt, and she only filed bankruptcy under threat of repossession.

Get debt relief now.


28/08/2017

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What are the best travel websites and how to I best

#travel websites best
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What are the best travel websites and how to I best cash in my miles?





16/08/2017

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Restaurant POS Software – RPOWER Point of Sale – Nightclub POS


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Reliability and value have always made RPOWER a smart decision when selecting the right POS system. Now that it offers web-accessible, back-office monitoring and storage capabilities, it s my only choice.

– Regina Billups – Food Service Consultant, Lexington, VA

Running my business was tough times before installing RPOWER. It has given me the tools I need to control my business and keep track of both my wait staff kitchen staff’s performance.

– Jerry Lombardi – Lombardi’s on the Sound, Long Island, NY

We had nearly given up our search when we found RPOWER. RPOWER has helped us to increase productivity, profitability, and service our customers better.

– Simon Jacobs, President, Hale and Hearty Soups

I have two other point-of-sale systems in other locations and I think that RPOWER is by far the most reliable system of all of them.

– Lenny Paserelli, Owner – Bobby Van’s Steakhouse, Manhattan, New York City

RPOWER has wonderful adaptability, wonderful flexibility. For over six years, it has done what we ve needed, especially with the delivery component. And it keeps being improved upon!

– Bruce Sternman, Proprietor – The Manhattan Chili Co. New York, NY

No matter what niche of the food service market our software users carve out, RPOWER Point of Sale is built to handle the everyday tasks and the unexpected challenges of doing business. RPOWER configurations are tailored to meet individual POS market demands through flexible and user friendly design.

RPOWER is dedicated to POS users and their needs. As a result of years of listening and responding to feedback and requests, RPOWER has assembled an arsenal of innovative software features, all aimed at providing restaurants with quality POS systems and opportunities for success.

The old saying “Knowledge is Power” has never been more true in the food service industry. RPOWER POS supplies the essential clues needed to evaluate a business’s efficiency and potential. Secure access to cloud data can be the key difference in managing a restaurant’s profitability.

Reliability often gets top billing when it comes to RPOWER’s best software qualities. Ask any server, bartender, or cashier what they like most in our POS Systems, and they may say usability has the edge. RPOWER’s intuitive and concise interface has made many a server’s day because of its abilty to make them look good. Accessible features, flexibility, and speed are crucial POS qualities when tips are on the line. Abundant tips are a sign of happy customers, and in a social media world, happy customers are key to continuing and increasing patronage. Watch this tutorial and have a glimpse into how simple and smart POS software operations can be.

Become an RPOWER Dealer

RPOWER is seeking to expand and improve its distribution network by recruiting sound, technically proficient dealers for long-term relationships. We offer a premier, cost effective point-of-sale solution for today’s food service industry. Our proven, flexible, and reliable POS software allows dealers to confidently approach any potential hospitality POS client. Apply to be an RPOWER dealer!


11/08/2017

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Compare Cash Back Credit Cards #cash #back #credit #cards, #credit #card,


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Cash Back Credit Cards

Our up-to-date list of cash back offers makes it easy to find a card that will maximize your savings. And bonuses of $100-$150 for new accounts can add up quickly. Review this list of offers from our partners to find the card that rewards the categories you use most. Or find a one that offers a high rebate on all purchases.

See offers from our partners below.

at Capital One s
secure site

Credit Needed
Excellent, Good

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn�t expire and there�s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • See additional Capital One� Quicksilver� Cash Rewards Credit Card details

at Capital One s
secure site

  • You could turn $200 into $400 with Cashback Match . Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it Cashback Match details
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See additional Blue Cash Everyday Card from American Express details

at American Express s
secure site

or call American Express at
877-915-6432

Credit Needed
Excellent/Good

  • No annual fee
  • New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% – 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%
  • See additional BankAmericard Cash Rewards Credit Card details

at Bank of America s
secure site

or call Bank of America at
877-831-6028

  • Unlimited 1.5% cash back on every purchase it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited details

05/07/2017

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