The Best Travel Credit Card of 2015: Chase Sapphire Preferred #airline

#best travel credit card
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But apart from the Ultimate Rewards program, how did we come to the conclusion that the Chase Sapphire Preferred credit card provides the best overall value for everyday finances as well as travel redemption? We asked and answered the following questions:

1. How many redemption options are available with the points?

The Sapphire Preferred has two different types of redemption options available. The first and best value can be achieved by using any of Chase’s transfer partners. There are 11 airline, hotel and rail travel partners for which points can be transferred at a ratio of 1:1. When a transfer is complete, the points immediately appear in the destination partner account no waiting required.

  • Airline transfer partners: British Airways, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines and Virgin Atlantic
  • Hotel transfer partners: Hyatt, Intercontinental Hotel Group, Marriott and Ritz Carlton
  • Amtrak is also a transfer partner, allowing redemptions on any of their routes across the country

An alternative use of the points is to book travel directly through Chase’s portal. Redeemed points can be cashed in at a rate of 1.25 cents per point, so 10,000 points would equate to $125 in travel.

2. Are the points transferrable to my spouse, significant other or family?

Points earned with the Sapphire Preferred, known as Ultimate Rewards, can be transferred freely to a spouse or significant other’s account for free. This ability to combine points across accounts adds significant value to the program as there is never a need to worry about errant points.

3. How many points are awarded as a sign-up bonus?

There is a $4,000 minimum spending requirement to be met within the first three months of the card opening, and then 50,000 bonus points are awarded to the user. Add another authorized user to the account (and ensure they make a purchase within that same three-month period) and you’ll be awarded an additional 5,000 points!

4. How many points are earned for everyday spend?

The Sapphire Preferred card earns one point per dollar on everyday spending.





10/11/2017

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MBA Degrees #mba #degree, #mba #program, #business #administration, #mba, #leadership, #degree,


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MyExcelsior is your customized portal to Excelsior College, allowing you to review, manage, and respond to all aspects of your Excelsior experience. Registration is free.

Greek debt relief closer than ever but creditors must act, Greek


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Greek debt relief ‘closer than ever’ but creditors must act, Greek prime minister says

ATHENS Greek Prime Minister Alexis Tsipras kept up his demand for debt relief from international lenders on Tuesday, saying Athens was close to securing a solution to ease its debt mountain but that creditors must meet there commitments.

Greece wants to wrap up negotiations with the lenders — the European Union and International Monetary Find — on reforms and on debt relief this month.

It needs another tranche of bailout money, wants to qualify for inclusion in the European Central Bank’s bond-buying program, and seeks to return to bond markets immediately afterwards.

“We are closer than ever to a substantial solution on debt relief,” said Tsipras reiterating that Greece had already agreed to apply more austerity after its current bailout expires and it was its lenders’ turn to fulfill their promises of discussions about debt relief.

“Τhe ball is no longer in our court,” he told reporters referring to lenders’ statements on debt relief in past years.

Despite Greece’s recent statements and a bailout review agreement at staff level, sources close to the lenders have been less optimistic seeing talks on debt relief lasting longer than May.

This is because of sharp differences between the IMF and Germany, Europe’s paymaster, over the Greece’s fiscal targets. The former says Greece’s target and debt are unsustainable; the latter, with an election coming, is less willing to drop its hard line.

After six months of tense talks, Athens and the lenders reached a deal last week on a set of additional reforms the country needs to implement in 2019-20, two years after its current, 86-billion euro bailout program expires.

Greece wants euro zone finance ministers to approve the reforms’ deal at a scheduled Eurogroup meeting on May 22 — a key condition for unlocking vital loans — but also agree on a formula to make its debt sustainable in the medium-term and long term.

Debt sustainability is key for the European Central Bank and the Washington-based IMF, which participated financially in the country’s first two rescue packages, but has yet to announce whether it will join Greece’s current program, the third since 2010.

Greek lawmakers are expected to vote on the new austerity package by May 18, before euro zone finance ministers assess the country’s progress.

Tsipras, who is sagging in opinion polls and whose term expires in 2019, controls 153 lawmakers in the 300-seat parliament and he is expected to pass the bill.

But the delays in the negotiations have slowed projected economic growth and have exacerbated reform fatigue after seven years of austerity hurting the government’s popularity further.

Asked whether he was considering a cabinet reshuffle, Tsipras ruled it out.

“We are not considering it. Our aim now is to speed up work as much as we can,” he said during a visit at the education ministry, where he announced a planned education reform.

(Additional reporting Angeliki Koutantou Editing by Jeremy Gaunt)

Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world’s largest international multimedia news agency, providing investing news, world news, business news, technology news, headline news, small business news, news alerts, personal finance, stock market, and mutual funds information available on Reuters.com, video, mobile, and interactive television platforms. Learn more about Thomson Reuters products:

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03/11/2017

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Excelsior College #bachelors #degree, #business, #management #human #resources, #degree, #degree, #earn


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Management Human Resources

Human resources management gets more complex all the time. But there’s a simple way to get ahead in the HR profession: Earn a competency-based Bachelor of Science in Business (Management of Human Resources) from Excelsior College.

Built around current trends in human resources, this competency-based education (CBE) program at Excelsior allows you to earn your BS in Business through a personalized program of study that combines course-based learning, independent study, and earned external credits.

  • Course-based learning refers to Excelsior’s 8 or 15-week online courses in business, human resources, and other subjects that are directly informed by current trends in workforce development.
  • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can also simply test out of subjects you’ve already mastered.
  • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

Developed for career-oriented working adults, Excelsior’s business degree with human resources management concentration ends with a unique capstone that lets you demonstrate what you’ve learned through projects, simulations, and a summative exam.

Equivalent to a traditional business degree, this program gives you greater flexibility and efficiency through generous credit policies, while affordable tuition and low student fees keep your costs to a minimum .

  • Take flexible, online HR management classes that fit your schedule.
  • Transfer maximum credit for prior coursework from accredited colleges.
  • Get academic credit for professional training, military service, and experience.
  • Access financial aid, flexible payment plans, and other assistance that makes college more affordable.
  • Enjoy affordable tuition and fees. Find out how Excelsior will help you keep your costs to a minimum.

An Online Business Degree with On-Campus Quality

Excelsior developed its HR management classes with direct input from industry professionals. Our courses in the online bachelor’s in business concentrating in HR management program are led by faculty from top colleges across America, and we revise course materials regularly to reflect the most up-to-date HR management issues and trends. You’ll gain knowledge and skills that translate directly to the workplace, with expertise in:

  • Labor relations
  • Organizational behavior
  • Personnel administration
  • Cultural diversity
  • Negotiation
  • Labor law
  • Business communications

Excelsior’s BS in Business degree holds accreditation from the International Assembly for Collegiate Business Education.

As an Excelsior College baccalaureate-level business graduate you will be able to:

  1. Apply general and discipline specific concepts and methodologies to identify, analyze and solve business problems.
  2. Demonstrate an individual desire and commitment to remain current with and adaptive to changing business conditions through continuous learning and self-improvement.
  3. Demonstrate independent thinking, function effectively in team-oriented settings, and maintain a high level of performance in a professional business environment.
  4. Communicate effectively in a professional business environment.
  5. Perform ethically and professionally in business and society.
  6. Attain increasing levels of responsibility and leadership in one’s chosen career field.

We expect that as an Excelsior College baccalaureate business graduate you will be able to:

  1. Demonstrate comprehension of the principles of accounting, marketing, finance, management and economics.
  2. Demonstrate comprehension of the legal and social environment of business.
  3. Demonstrate comprehension of the global environment of business.
  4. Apply ethical considerations to the obligations and responsibilities of business.
  5. Apply business tools to real-world situations.
  6. Employ information literacy techniques.
  7. Communicate effectively, orally and in writing.
  8. Apply business concepts and functions in an integrated manner.

120 credits required. 60 in the arts and sciences, 54 in the business component (to include a minimum of 21 at the upper level of which 9 must be in the concentration), and 6 in the additional credit component (to include the 1-credit Information Literacy requirement).

Courses classified as upper level must be junior-senior level (300 – 400) and can be classified as a business core, concentration, and/or business elective course

See the credit requirements in chart form :

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org. The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Accounting (NYS CPA track) and Bachelor of Science in Business.

IACBE Specialized Accreditation

Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

SHRM Aligned

The Bachelor of Science in Business (Management of Human Resources) is aligned with the standards of the Society for Human Resource Management (SHRM) .

Associate and Bachelor’s Programs FAQ

Content

Contact

Excelsior College
7 Columbia Circle
Albany, NY 12203-5159

Washington DC Center
2000 M Street NW
Suite 500
Washington, DC 20036

Excelsior

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16/10/2017

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Credit Card Reader For Laptop or Desktop Computer – Windows or


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Credit Card Reader For Laptop or Desktop Computer – Windows or MAC – USB – 3 Track

Paymentmax credit card reader

Paymentmax credit card reader

Once They are Gone, They’re Gone.

Highest Rated USB Computer Card Reader

Full 1 Year Warranty! – Ships Fast!

We Have Sold Thousands of These High Quality 3 Track USB Credit Card Readers / Swipers Since 2007!

This is Our BEST Selling Computer Card Swiper For ALL Windows MAC Computers.

Also Works on Microsoft Surface Tablets with Full Windows Operating System.

– Educational Institutions (Reading ID’s)

– Small to Large Businesses (CC Processing)

Use with 100’s of compatible Merchant Accounts – (Partial List of Compatible Credit Card Processing Merchant Accounts Listed Below) – or one of our own low cost Merchant Accounts. (call our sales office at (224) 677-0283 x 2 for more information on our low cost accounts)

In Addition to Credit Card Processing, This Reader Can Output the Data to any Excel, Word, Notepad, Other Document or Web Page Field With NO Additional Software Needed!

Just Swipe Any Card Through The Reader and The Data Flows Into The Document – Then Copy and Paste The Data Into Your POS Software or Virtual Terminal!

See Below For More Product Information

Model – USBSwiper MSR-100

Measures only 3.5″ x 1″ x 1″ – Fits in the palm of your hand

5 foot long USB Cable

Standard 3 Track Keyboard Emulation – (K.E.M.) Bi-Directional Credit Card Swiper

Reads cards with 1 track, 2 tracks or 3 tracks of data

USB Interface, External USB Card Reader Swiper,

Conforms to ISO Standards

Long lasting and durable rated for over 1,000,000 swipes!

Description

Full 1 Year Warranty! – We Have Sold Thousands of These High Quality 3 Track USB Credit Card Readers Since 2007!

This Card Reader Reads all credit, debit and other cards with a magnetic strip including chip cards which have the strip on the back – reads 1 track, 2 tracks or all 3 tracks of data. (no programming required)

Works on all Windows Laptop and Desktop Computers (XP, Vista, 7, Windows 8 10 PC and Microsoft Surface Tablets with Full Windows 8 10 – but not Windows RT)

Also Works on MAC Computers!

Reads all credit, debit and other cards with a magnetic strip including chip cards which have the strip on the back – reads 1 track, 2 tracks or all 3 tracks of data. (no programming required)

– Credit and Debit cards

– Student ID’s and More

– Small to Large Sized Businesses

– Educational Institutions and

Use with your own Merchant Account – Partial List of Compatible Merchant Accounts Listed Below – or one of our own low cost Merchant Accounts. (call our sales office at (224) 677-0283 x 2 for more information on our low cost accounts)

In Addition to Credit Card Processing, This Reader Can Output the Data to any Excel, Word, Notepad or Other Document or Web Page Field. (no additional software needed)

You Can Also Swipe The Data Into a Document or Excel Spreadsheet and Then Copy and Paste The Data Into Your POS Software or Virtual Terminal!

To use this Credit Card Swiper with our own LOW RATE Merchant Account Programs – Please Call Our Sales Department For Our Low Rate Accounts. (224) 677-0283 x 2

Third-Party Compatibility List (partial)

With the USBSwiper Credit Card Terminal, you can turn your computer into a credit card processing POS System when used in conjunction with compatible merchant accounts or software platforms.

Below is just a short list of some of the most popular Merchant Account Providers our credit card reader works with for their computer credit card processing environment WITHOUT the need for additional software. (Works with 100’s of other Merchant Account providers as well – see below to learn how to find out if yours is compatible)

If your current credit card processing software and /or merchant account provides software or has a virtual terminal that is compatible with a keyboard emulation 3 track USB interface reader, then our credit card reader will work. If you do not see your merchant account or software platform listed below, please check with them as to compatibility.

Auctions for SalesForce

Charity Auction Organizer / Auctria – with Stripe Merchant Account

Easy Storage Solutions

Elavon (Virtual Terminal)

First Data (Virtual Terminal)

Intuit GoPayment Website Interface

Intuit Merchant Services with Quickbooks Software (not virtual terminal)

Med Fusion (with Intuit)

MerchantWARE by Merchant Warehouse

Opera Web Suite

SalesForce Click Pledge

Transfirst (Virtual Terminal)

Vend Point of Sale

If your merchant account provider is not listed above , please check with them to verify that a 3 Track Non-Encrypted Keyboard Emulation Credit Card Swiper will work with their merchant account system and /or their virtual terminal as there may be a software they need to provide. If not, we offer many low rate merchant accounts that do work with this type of reader. Please call us at 224-677-0283 for more information.

To use this Card Reader with our own LOW RATE Merchant Account Programs – Please Call Our Sales Department For Our Low Rate Accounts. (224) 677-0283 x 2

For Bulk Purchases, please call our Sales Department at (224) 677-0283 x 2

Latest Customer Reviews on USBSwiper

Why am I a Big Fan of USBSwiper? I own a small dress store located in an old barn in a small town in Midway, Texas. I am only open on Saturdays from 10-4 but people drive from all over Texas to shop here on Saturdays. Over the past 10 years the store has kept growing bigger and bigger and I had no way to accept credit cards without going through a major hassle with a bank set up. I have had a Pay Pal account for many years and a couple years back I found USBSwiper and saw that they were offering a way for merchants to accept credit cards and have the money go right into my Pay Pal account. I was very excited and started looking more into the USBSwiper plan right away. Where USBSwiper shines is in their unparalleled customer service. USBSwiper is quick, easy and perfect! I have no problems with my USBSwiper. Swiping the cards increased my sales by nearly double. Before, I had to type in names, addresses, card numbers, etc into Pay Pal for each transaction and it took forever to check a customer out, so this also saves me a lot of time. I used the extra time to build a small web site for the store, www.thesecretsalebarn.com. My thanks to everyone at USBSwiper for making such a helpful product. I recommend it fully to everyone who asks me. I own and run The Secret Sale Barn, 17509 OSR in Midway, Texas. My name is Katherine and you can write me any time at [email protected] if you have any questions about how wonderful this product is. Better yet, come to Midway, Texas and see it in action! We would love to have you visit the barn!

HALO Branded Solutions is in the business of selling Promotional Products to businesses from the very large to the very small. We are one of the larger companies in our industry. While the vast majority of our business is processed in house through our own systems, we participate in Trade-Shows all over the country to sell and promote our products with some of our biggest and best clients. We needed an easy and mobile platform in order to process these transactions. We needed something that was reasonably priced, easy to use, easy to transport, and would work sitting on a folding table in the middle of a banquet facility. But we wanted more than just a method of charging a credit card. We needed more information than that. We needed to be able to analyze what items were selling at which events, we need to be able to account for inventory, create records, invoices and reports to be presented internally and to our clients. The USBSwiper system has worked out great for us! The platform has a great balance of giving you all the necessary information while being very easy to use. The function which has been the most important to our company is the ability to export custom reports. This has been crucial in analysis, reconciliation, and reporting. The USBSwiper customer service and tech support has been excellent as well. Overall, the system works perfect for our needs and we have been extremely happy with the relationship in the short time we’ve had the system. In just a few months, we processed nearly 10,000 transactions through the 4 complete USBSwiper systems (Swipers, Software, Printers and Bar-Code Scanners) at events in LA, Atlanta, Orlando, Birmingham, Tempe, Salt Lake City, Denver and Boston. We will have several more to come and will be using the USBSwiper credit card processing system at all of them.

We have been using the USBSwiper system for approx. 2 years now and couldn’t be happier. We attend various events and trade shows and it’s great to have an easy and portable system to use for transactions and inventory control. I would highly recommend them to anybody!


15/10/2017

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10 Best Credit Cards – (2017 Reviews) – Top 10 Cards


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2017’s Top 10 Credit Cards

Below are our staff’s brand-new rankings of 2017’s best credit cards. Whether you prefer low APR’s, cash back, or any other perk, these top 10 credit cards are the best of the best:

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.

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2017’s Best Credit Card

Discover it Cashback Match

  • 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 application, terms and details.

0% for 14 months

  • 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 15.99-24.74%. 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 application, terms and details.

0% for 15 months

  • 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 application, terms and details.

0% for 14 months


15/10/2017

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RBS – Credit Card Online Services #online,services,management,credit #card,personal,banking,rbs


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Credit Card Online Services

Sign up

It�s easy to sign up for Credit Card Online Services, and it should only take a few minutes.

When you sign up, you�ll have to create your own login details. You need separate details for Credit Card Online Services and Digital Banking.

You�ll get instant access to a limited version of the service. We�ll then send you an activation code by post. Use this the next time you login to Credit Card Online Services to get full access.

Credit card only customers

Sign up for Credit Card Online Services for our most comprehensive online credit card management service.

More than one RBS account

If you have an RBS credit card and another RBS savings, loan or current account, you can sign up for Digital Banking and Credit Card Online Services. If you don�t have an RBS credit card, you can still sign up for Digital Banking.

Common questions

What�s the difference between Digital Banking and Credit Card Online Services?

Digital Banking puts you in control of many of your RBS accounts, including your current account. It also lets you carry out some everyday transactions on your credit card account.

For example, you can view or download your transactions or pay your credit card from your current account.

However, Credit Card Online Services lets you do more. You can:

  • Monitor your credit card � keep track of your credit card spending 24 hours a day, including up to date transaction and balance details
  • Receive free alerts � to keep you up to date with your credit card balance and when your payment is due*
  • Use your credit card for more � pay bills, make a balance transfer and transfer money to your RBS current account or any other UK bank account
  • Pay your credit card bill � make a payment from any UK debit card
  • Go paperless � with online statements you can see and download statements from the last eighteen months
  • Manage your personal details � update all of your contact details online.

back to top

Can I use my Digital Banking details to access Credit Card Online Services?

No. To access Credit Card Online Services you will need to set up a separate username, internet PIN and password.

Who can use Credit Card Online Services?

To register, you need to be aged 18 or over and have an RBS credit card.

What happens when I register?

We�ll ask you to choose a username and create an internet PIN and password. You�ll need these details every time you login.

As soon as you�ve chosen your username and internet PIN, you�ll have instant access to your credit card balance and transactions.

We�ll send you an activation code within 7-10 working days. You�ll need this to activate your account and get access the full online credit card servicing management tools. To protect your security, we�ll send the activation code by post.

How do I activate my account?

When you receive your activation code, login and enter your code. You�ll then have full access to Credit Card Online Services.

Need a helping hand?

If you need help to complete your registration, just call us on 0345 301 6080 (Minicom 0345 3003699). Lines are open 24 hours a day, 7 days a week. Calls may be recorded.

*Your network operator may charge you for texts received whilst overseas

To sign up for Credit Card Online Services you need to have a RBS credit card and be aged 18 or over.

Please note that system updates will mean that Credit Card Online Services is unavailable for short periods in the early hours of the morning

Log in sign up


10/10/2017

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TRIO Credit Card #trio #credit #card, #trio #card


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TRIO ® credit card

TRIO SM Credit Card

Credit Cards are subject to credit review and approval. Rates determined by creditworthiness of applicant.

* Your rewards are earned as points which you can redeem for cash back as a credit card statement credit, a deposit into your Fifth Third checking or savings account, or a credit to the principal balance of certain Fifth Third home equity and installment loans and mortgages. If you prefer, you can also redeem for retail and restaurant gift cards, merchandise and travel. The value of each point is $0.01. You can track your rewards balance and view redemption options anytime through Online Banking at 53.com. 8

1. New Account Bonus Offer: Offer not available to existing Fifth Third consumer credit card customers or those with a Fifth Third consumer credit card account that has been closed within the last 12 months prior to account opening. To qualify for the new account bonus worth $100, you must make purchases totaling $1,000 or more during the first 90 days from account opening. Upon reaching the purchase qualification, you will receive 10,000 Real Life Rewards Points which can be redeemed for $100 cash back. Purchases are defined in disclosure #3 below. Please allow 6 to 8 weeks after reaching the purchase qualification for points to be awarded. Your account must be open and in good standing at the time the bonus points are awarded. Bonus points awarded may be subject to tax and you should consult your tax advisor to determine tax requirements.

2. Earn 3 Rewards Points (3% cash back) for each $1 spend on qualified restaurant Purchases and earn 2 Rewards Points (2% cash back) for each $1 spent on qualified gas, grocery store and drug store Purchases (on up to $1,500 in combined qualified Purchases per calendar quarter). Earn 1 Rewards Point (1% cash back) for each $1 spent on qualified Purchase after $1,500. The value of each point is $0.01.

3. See the Rewards Terms and Conditions for important information including details about: (1) Purchases: dollar value of goods and services, minus credits and adjustments, excluding fees and other items. (2) Categories: Merchants’ card readers are assigned to categories which determine how a transaction is characterized for Rewards purposes. We do not control which categories card readers are assigned to. (3) Redemption options. (4) Changes: the Program may change. (5) Expiration: Some Points expire.

4. Click here for the TRIO Credit Card Rates, Fees, Terms and Conditions.

5. Cellular Telephone Protection is subject to a fifty dollar ($50.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $200 per claim and $400 per twelve (12) month period. Cellular Telephone Protection covers your primary line and the first two additional lines listed on your monthly billing statement; does not cover rented, leased, or borrowed telephones as a part of a pre-par or “pay as you go” plan. You must charge your monthly Cellular Wireless Telephone bills to your Fifth Third consumer credit card. Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using your Fifth Third consumer credit card. Additional terms, conditions, and exclusions apply. Refer to the Cell Phone Protection Guide to Benefits for full details.

6. Certain terms, conditions, and exclusions apply. See the applicable Fifth Third Bank Mastercard Guide to Benefits for a complete explanation of card benefits and services.

7. You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your Card without your permission.

8. Rewards credit will be applied to the principal amount of your loan. The credit will be reflected on your account 1 to 2 weeks after redemption. The credit does not relieve you from your regularly scheduled payments. See the Rewards Terms and Conditions at 53.com/rewards for additional information, including a full list of eligible products.

Mastercard and Masterpass are registered trademarks of Mastercard International Incorporated.

Apple Pay is a registered trademark of Apple Inc.

Samsung Pay is a registered trademark of Samsung Electronics Co. Ltd

Android and Android Pay are trademarks or registered trademarks of Google.

Microsoft and Microsoft Wallet are trademarks of Microsoft Corporation.

Real Life Rewards is a registered service mark of Fifth Third Bancorp.

Real Life Rewards® Program Terms and Conditions


10/10/2017

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Retail Merchant Services, Credit Card Machines and Online Payments, what is


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Low-cost credit card machines for small business owners

Award winning merchant services trusted by over 45,000 UK businesses for credit card machines, online payments and phone payments.

What is a flexible spending credit card

Start taking card payments now

What is a flexible spending credit card

Credit Card Machines

We have the widest range of credit card machines from any merchant services provider, with contactless payments as standard.

What is a flexible spending credit card

Online Payments

Accept credit cards online with a payment gateway, pay by link or pay now button and grow your business without boundaries.

What is a flexible spending credit card

Phone Payments

Give customers greater convenience without losing the personal touch and accept credit cards over the phone with a virtual terminal.

We re no ordinary Merchant Services Provider.

  • What is a flexible spending credit card

Award Winning Merchant Services

When you call us, it will be one of our UK based Customer Service Advisors who picks up the phone, not a machine. As a Retail Merchant Services Member, we want to exceed your expectations and we invite our customers to let us know if we fall short.

Our Customers

  • What is a flexible spending credit card

    More than just Card Machines

    When you join us, you’ll get a reliable credit card machine with contactless payments as standard, but you ll also get a range of Membership Benefits for small businesses, including: Free Legal Advice, Discounted Utilities and Merchant Cash Advance.


    10/10/2017

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  • Credit Card Debt Consolidation Companies #credit, #card, #debt, #consolidation, #loan, #student,


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    Credit Card Debt Consolidation
    This site is a quick and easy way to find out information about consolidating credit card debt. If you are searching for a company to help you consolidate unsecured debt (such as credit cards), we can help you find the popular online companies that offer these services.

    Credit card debt consolidation is a fairly simple process, but it does take some time. It is a process that is perfectly suited for doing online. The companies that we list on these pages all specialize in debt consolidation and are all reasonably well known.

    We don’t perform credit card debt consolidation, but we can tell you the top companies that do.

    Free Debt Consolidation simple debt consolidation service, not a loan, they actually reduce your interest and payments.

    DebtWave do you have past due bills? Get a free debt help quote and work to get debt free.

    DebtWave can help with your debt problems.
    DebtWave have helped many people settle their debts, avoid filing bankruptcy and build strong and secure futures. With their debt settlement system, they will negotiate on your behalf to actually reduce your debt allowing you to make your payments.

    If your credit report is all messed up, you need to get it fixed. You can either try and fix it yourself or find a company to help you out. Lexington Law are experts at correcting bad reports.
    Find out more .

    Check out our entire list of debt consolidation programs.
    If you have too much unsecured debt, you can consolidate your current debts with home refinance and relief programs, but be careful before you guarantee your home for past unsecured bills.

    Credit Card Debt

    DebtWave will help you regain control of your unsecured debt. A popular choice.

    If you just need a little help making it to the next pay check, applying for a short term loan online may help by providing you with a fast and convenient solution. It can be done 100% online, with approval in minutes, and you can have your money fast.

    It takes just a few minutes to apply for a payday loan online. You can get a fast approval notice, but they are pretty expensive in fees and interest.

    Short term loans can be a fast and effective solution to your short term financial needs. Be sure to check all costs and compare your options.

    Need help budgeting your money? Try Mvelopes Personal.

    Before you enter into a consolidation program, make sure you get all the information on the risk factors to avoid.


    05/10/2017

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    Credit Information Business #consumer #credit #reports, #commercial #credit #reports, #real-time #credit


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    Consumer Reports

    Equifax Consumer Reports deliver predictive consumer data to support more profitable decisions, help mitigate risk and maximize growth opportunities. With access to current personally identifiable information for over 210 million consumers, Equifax Consumer Reports deliver an immediate, comprehensive view of a consumer backed by industry-leading data depth and reliability. Understand the consumer from the most predictive perspective available with actionable data that includes tradelines and inquiries. Equifax Consumer Reports combine unmatched delivery speed and data integrity to drive more confident decisions.

    Consumer Tri-Merge Reports

    Equifax helps you leverage relevant and actionable consumer information that provides unprecedented insight into a borrower’s credit capacity, credibility and collateral to help you make sound risk and regulatory decisions in today’s economy. Credit*Hi-Lite™, our flagship tri-merge credit report, provides current, reliable consumer credit data from all three major credit reporting agencies and allows you to better mitigate risk throughout the entire mortgage life cycle.

    Business Credit Reports

    Knowing more about your business prospects, customers and vendors helps you make more confident decisions and set terms that optimize profitability while minimizing risk. From verified business identities and detailed credit history to business owner and corporate linkage, Equifax Business Credit Reports give you the deepest level of insight into the validity, financial stability and performance of more businesses. Whether you need domestic or international business credit reports, Equifax offers vast coverage and depth of business credit information, with an unmatched focus on the critical small business segment.

    Business Credit Reports for Small Business

    Make sure you know who you’re doing business with before you sign a contract with a new business partner, create a purchase order with another supplier, or ship that big customer order. Engaging with high risk businesses could result in financial losses or operational headaches you don’t want or need.

    Checking the credit history and financial well-being of a business first can provide the in-depth information you need to make smart business decision. Business Credit Reports start at $99.95 — Get started today.


    04/10/2017

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    Identity Theft Protection #credit #report #identity #theft #protection


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    Identity Theft Protection Service

    Lets start with a brief questionnaire to help us guide you learn more about protecting your identity against theft. Wether you are looking to proactively protect your identity or if you are a victim of identity theft, our goal is to provide you the most relevant information to start maintaining control of your identity and your life.

    Based on information you just provided, we recommend that you seek help from the following:

    1. Federal Trade Commission’s dedicated site to help consumers against identity theft. Click here
    2. Call Identity theft resource center (ITRC), a non-profit at (888) 400 5530. You can use the dialpad on the right.

    Share us with your friends.

    Identity theft explained

    Identity theft is just like any other theft – where someone steals an important asset without the victim’s knowledge or consent. Like any other theft, the perpetrator is trying to gain financially by inflicting harm to the victim. The victim suffers loss as digital identity is essential for getting loans, job and so many other life events. Loss of one’s identity seriously handicaps an individuals from doing many regular daily transactions.

    Identity theft is different from other kids of theft because usually the victim is not aware that an important information has been stolen. It is not always detectable by vistims.

    Types of identity theft

    1. Identity Proxy or Concealment.

    This is where the perpetrator is trying to hude his or her own original identity by posing to be someone else. The victim in this case is usually not aware that their identity is being used by someone else for criminal or non-criminal reasons.

    2- Criminal Identity Theft.

    Othen times at the time of arrest, a criminal might pose to be someone else and identity himself as another individual. This is called criminal identity theft. This is perhaps the most brazen form of identity theft as the individual is perpetrating the act in sigth of law enforcement officials. In this case, when the charges are filed – they are filed in name of a completely wrong and most likely an innocent individual. This causes double harm to the victim. First, their identity has been stolen and could be used for any multiple types of criminal and fraudulent activity and secondly, their criminal history has been established that can impact any future job application.

    It is usually very difficult for the victim to clear their record once they have been inflicted with criminal identity theft. Often times, DNA tests or fingerprints are needed to prove that the victim was not involved in the criminal activity and that their identity was stolen. They usually also need a court hearing to clear the charges. The court can always expunge the charges but this is a hassle and very time consuming. This can also be immensely stressful for the victim – as he is being blamed and charged with a crime that he never committed. Victims usually only know about this when they receive the court summon or when their driver’s license is cancelled or revoked. They also learn about this when an employer runs a credit and criminal histroy report.

    3- Financial Identity Theft.

    This is the most common type of identity theft. Like most other drivers for theft, the perpetrator wants to gain financial advantages in someone else’s name. This could include getting student loans, house loans, credit cards or any other type of line of credit.

    3- Identity Theft for Medical Purposes.

    This happens when someone gets medical treatments done impersonating to be someone else. Imagine an identity thief needing a medical treatment goes to a hospital and gets the treatment done in someone else’s name. This typically involves presenting a fraudulent ID card and a credit card. The victim in this case is, as you can imagine, not the one receiving medical treatment. This is not as common as the financial identity theft but does require proper identity theft protection techniques to proactively avoid it from happening.

    How do Identity Theft Protection services work?

    Some companies offer identity theft protection which basically involves monitoring your personal information frequently to identiify any unusual activity. This usually involves a consistent monitoring of your credit reports and a sophisticated algorithm that is able to detect unusual activity to alert the user. There can be false alarms as well. If an employer runs your credit report or you apply for loan, it is very possible that the monitoring company might deem it to be fraudulent or activity of concern – this would lead them to send you an alert. Most companies have gotten better at being able to distinguish between false alert and true alert. One draw back of identity theft protection services that rely on credit monitoring is that transactions that do not change your credit report go unnoticed. Examples here are withdrawl of money from your bank account or someone filing your tax return using your social security number and claiming the money.


    01/10/2017

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    How credit card transactions work #credit #card #processing, #interactive, #credit #card


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    How credit card transactions work

    Interactive guide shows how merchants, banks process card purchases

    By Tyler Metzger | Published: January 14, 2009

    More than 23 billion credit cards transactions are processed annualy in the United States. But have you ever wondered what exactly happens after your card is swiped?

    Use this guide to to find out how your credit card transactions are processed.

    How a credit card is processed

    Step 1, Authorization

    1. The cardholder requests a purchase from the merchant.

    2. The merchant submits the request to the acquirer.

    3. The acquirer sends a request to the issuer to authorize the transaction.

    4. An authorization code is sent to the acquirer if there is valid credit available.

    5. The acquirer authorizes the transaction.

    6. The cardholder receives the product.

    1. The merchant stores all the day’s authorized sales in a batch.

    2. The merchant sends the batch to the acquirer at the end of the day to receive payment.

    1. The batch is sent through the card network to request payment from the issuer.

    2. The card network distributes each transaction to the appropriate issuer.

    3. The issuer subtracts its interchange fees, which are shared with the card network, and transfers the amount.

    4. The card network routes the amount to the acquirer.

    1. The acquirer subtracts its discount rate and pays the merchant the remainder.

    2. The cardholder is billed.

    Acquirer: A bank that processes and settles a merchant’s credit card transactions with the help of a card issuer.

    Authorization: The first step in processing a credit card. After a merchant swipes the card, the data is submitted to merchant’s bank, called an acquirer, to request authorization for the sale. The acquirer then routes the request to the card-issuing bank, where it is authorized or denied, and the merchant is allowed to process the sale.

    Batching: The second step in processing a credit card. At the end of a day, the merchant reviews all the day’s sales to ensure they were authorized and signed by the cardholder. It then transmits all the sales at once, called a batch, to the acquirer to receive payment.

    Cardholder: The owner of a card that is used to make credit card purchases.

    Card network: Visa, MasterCard or other networks that act as an intermediary between an acquirer and an issuer to authorize credit card transactions.

    Clearing: The third step in processing a credit card. After the acquirer receives the batch, it sends it through the card network, where each sale is routed to the appropriate issuing bank. The issuing bank then subtracts its interchange fees, which are shared with the card network, and transfers the remaining amount through the network back to the acquirer.

    Discount fee: A processing fee paid by merchants to acquirers to cover the cost of processing credit cards.

    Funding: The fourth and final step in processing a credit card. After receiving payment from the issuer, minus interchange fees, the acquirer subtracts its discount fee and sends the remainder to the merchant. The merchant is now paid for the transaction, and the cardholder is billed.

    Interchange Fee: A charge paid by merchants to a credit card issuer and a card network as a fee for accepting credit cards. They generally range from 1 to 3 percent.

    Issuer: An financial institution, bank, credit union or company that issues or helps issue cards to cardholders.

    Join the discussion

    We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

    If you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the ‘Post to Facebook’ box selected, your comment will be published to your Facebook profile in addition to the space below.

    The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.

    Three most recent Merchant accounts stories:

    • Yes, merchants can get new card info on recurring charges Updater services allow merchants to know when your credit card information changes, and to alter their records accordingly. If you don’t want to continue the subscription, you’ll need to cancel it directly.
    • EMV holdouts: Why merchants are slow to make chip-card switch With the EMV liability switch coming in October, many merchants are still in the dark on what is required of them.
    • Is it time to negotiate a new merchant account? Some business owners stick with a merchant services account they secured as a startup, but that now costs them more than they should be paying.

    Did you like this story? Then sign up for CreditCards.com s weekly e-newsletter for the latest news, advice, articles and tips. It’s FREE. Once a week you will receive the top credit card industry news in your inbox. Sign up now!


    25/09/2017

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    How to Transfer a Credit Card Balance – ABC News #credit,


    #

    Sections

    Shows

    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    How to Transfer a Credit Card Balance

    Here is what you need to know before and after a credit card balance transfer.

    Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

    While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

    Before You Transfer a Credit Card Balance

    1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

    2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

    In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

    3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

    Making the Transfer

    Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

    After the Transfer

    Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

    Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

    By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

    This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


    23/09/2017

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    0% Balance Transfer Credit Cards With No Fee – Best Deals


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    MoneySuperMarket.com

    Promoted Navigation

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    No-fee balance transfer

  • Rewards No rewards
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    Great for You can transfer a balance to this card with no fee for the first 90 days You may be eligible to apply for this card even if you’ve already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply But be aware that You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances There’s no balance transfer fee for the first 90 days. After that it goes up to 3% You can’t transfer a balance from another card issued by Halifax

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 28 months Then 18.95%

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    Great for Earn 2 Nectar points for every £1 you spend on Sainsbury’s shopping and fuel with this card. Earn 1 Nectar point per £5 elsewhere 5,000 bonus Nectar points – spend £250 in a Sainsbury’s store in the first month from account opening. Ends 28th August 2017 If your application is approved you are guaranteed to get the 0% interest period advertised But be aware that You might get a different interest rate to the one shown here, because this depends on your circumstances You’re not eligible if you’ve already got another Sainsbury’s credit card In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% fee thereafter (min. £3)

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 24 months Then 18.9%

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    Great for UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T ?>

    23/09/2017

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  • Apply for credit cards with bad credit, does paying off credit


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    Credit cards for Less than Average Credit History

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    Credit Card Offers for Poor Credit Rating

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    Rebuild-Credit-Cards.Com strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that Rebuild-Credit-Cards.Com can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    *See the credit card’s terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won’t change. Click the “Apply Online” button and review the current info on the secure credit card terms page.


    23/09/2017

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    Credit Cards – Apply for Best Offers Online at, credit card


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    Credit Card Applications Online

    Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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    Consumers are bombarded with over a billion credit card offers each year, promising everything from cash back and zero-interest to free airfare and luxury hotel stays. How are consumers supposed to know which offers fit their needs?

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    Unfortunately, you can’t earn rewards with this credit card. It doesn’t have any rewards program. It is only applicable for getting credit on purchases at Big Lots. However, if you do want to earn.

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    Figuring out how you can use the points you’ve earned so you you’re not wasting them can be confusing. Points can be converted into cash, transferred to loyalty programs, used to buy airline.

    With your current credit score, you may qualify for almost any credit card with 0% on balance transfers provided all your current credit accounts are in good standing, you do not have recent late.

    You can transfer that balance to a credit card with a 0% intro APR on balance transfers. For example, it can be the Discover it -18 Month Balance transfer card. The card has 18 months of no.

    In order to take part in Menards’ no-interest financing plans, you must be a Menards Big Card holder. To get the Menards Big Card, you can either visit your local Menards store and apply in-store.

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    23/09/2017

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    Credit Card Rewards – Compare the best rewards credit card offers


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    U.S. Bank Cash 365™ American Express® Card

    Earn a new cardmember bonus of $100 after you spend $500 in net purchases on your card within the first 90 days of account opening.

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    23/09/2017

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    Can Your Car Insurance Improve Your Credit Score? #auto #insurance #credit


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    How Your Car Insurance Can Improve Your Credit Score

    January 26, 2017

    You re a good driver, so why is your car insurance premium so high? To start off, you might want to compare car insurance rates, but you probably know that already. Another reason might be your credit score. Almost all car insurers 95 percent, according to FICO check your credit before determining your car insurance premiums. But if your credit s not great, don t despair. Having car insurance can actually improve your credit score over time.

    Your credit score vs. your credit-based insurance score

    Your credit score is a number between 300 and 850 that represents how much of a risk you are as a borrower. If you ve had bankruptcies, tax liens, unpaid credit card bills or debt collections, your score will be lower and it will be harder for you to get approved for credit.

    Don t know your credit score?

    You can obtain it online, but be careful not to accidentally purchase a subscription service. CreditKarma.com is one site that provides credit scores without fees or obligations.

    Car insurance companies actually consider a different type of score when they re determining policy premiums. This is called your credit-based insurance score. Like your credit score, it s based on your history of paying bills on time and keeping accounts in good standing, as well as any debt you might have. Opening new accounts can ding this score. Insurers do not, however, consider your job history, income or other personal information.

    Why do car insurers care about my credit?

    Research has shown that your credit-based insurance score is a good predictor of the likelihood you ll file a claim. The lower a person s score, the larger the losses incurred by the insurance company for that person, on average.

    Some consumer advocacy groups protest the use of credit-based insurance scores, saying that minorities are disproportionately affected and that most customers don t understand that their credit can affect their insurance premiums. If you live in California. Hawaii or Massachusetts, insurers are prohibited from checking your credit history.

    Some insurers, like Nationwide, have an extraordinary life circumstances policy that allows you to request a reconsideration of your premium if your credit has suffered because of a divorce, military deployment, serious illness or other catastrophic event.

    How can my car insurance improve my credit score?

    First, the bad news. Your car insurance premiums, like your cell phone payment and other monthly bills, don t show up on your credit report. If you fail to pay your car insurance on time, however, that lapse will lower your score. You can get a credit-score boost from your car insurance if you charge it to your credit card and pay it off monthly. Building a history of timely payments is one of the best ways to improve your credit score.

    If you re wondering why your credit score seems low, check your credit report for the details. Your full credit report will show you any potentially negative items, such as unpaid accounts or liens. It ll also show you your accounts in good standing. Don t pay for your credit report when you don t have to. Federal law requires each of the three major credit reporting agencies to give you one free credit report each year. You can get your free credit report here .

    Buying auto insurance can be a confusing and disoriented process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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    22/09/2017

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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

    Posted In: NEWS

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    Lloyds and TSB split: What does it mean for you, lloyds


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    Lloyds and TSB split: What does it mean for you?

    Lloyds tsb credit card

    By Helen Knapman , Senior News Reporter

    Lloyds tsb credit card

    Millions of Lloyds TSB customers have been transferred to TSB bank from today in one of British banking’s biggest shake-ups.

    Related MSE Guides

    Best Bank Accounts

    Ј125 bonus or 5% interest

    Top Savings Accounts

    1.25% easy access or up to 2.5% fixed

    Free First Time Buyers’ Mortgage Booklet 2017

    Of Lloyds TSB’s 1,931 branches across the UK, 631 are now branded as TSB. 4.6 million customers – including those of Lloyds TSB Scotland and Cheltenham & Gloucester – have been moved to the new bank (see our Best Bank Accounts guide for the top deals).

    All the remaining Lloyds TSB branches will now trade as Lloyds Bank.

    But for now, there’s no change to the actual products. MoneySavingExpert.com creator Martin Lewis says: “TSB may be a new bank today, but it doesn’t have any new products.

    “This means its customers are mostly sitting on the same old Lloyds bank accounts, savings and credit cards, with rates so low the best buy tables giggle with mirth.

    “So while concerns about safety are limited, and it’s too early to tell how good its customer service is – this is a great opportunity to ditch Lloyds and TSB for something better.

    “Right now, First Direct is paying new banking customers Ј125 to switch to it, Barclaycard is letting you shift debts for 28 months 0% (3.5% fee) and Britannia is offering 1.75% easy access savings.”

    Both Lloyds Bank and TSB will remain part of Lloyds Banking Group (LBG) until TSB is floated on the stock exchange, which is expected to take place next year.

    We explain what’s happening below.

    Of the 1,931 Lloyds TSB branches, 631 have become TSB branches. The others stay with what is now Lloyds Bank. If your account or product was opened at any of the 631 branches that have been rebranded, you’re now a TSB customer.

    These branches have been rebranded as TSB:

    • All 185 Lloyds TSB Scotland branches
    • All 164 Cheltenham & Gloucester branches
    • A further 282 Lloyds TSB branches in England and Wales – use Lloyds’ branch checker tool to see what’s happened to your local branch

    Could I be a customer of both banks?

    Yes. Some people will be customers of both Lloyds Bank and TSB if they opened different products at different branches.

    TSB customers should have received letters before today stating which account numbers were moving to the new bank. But if you’d forgotten, or not realised the split was happening today, you’re not alone. MSE Charlotte was left confused this morning about which bank she was a customer of. See her blog post for more.

    I’ve been moved to TSB. Will my current account change?

    LBG says nothing will change for those who’ve been moved to TSB. The product details in your terms and conditions will remain the same, account numbers and sort codes will remain the same, and standing orders and direct debits will be unaffected.

    Debit cards will eventually be rebranded.

    I’ve moved to TSB. How do I access my online banking?

    You’ll now need to go to the TSB website to access your online banking. Your login details won’t have changed.

    TSB says its online banking is now back up and running after it went down this morning following the sheer volume of traffic to the site.

    I’ve moved to TSB. Can I use the mobile banking app?

    TSB customers can’t use the Lloyds Bank app, but TSB has launched its own app, which is available on Android and Apple.

    I’ve moved to TSB. Will my credit history be affected?

    No. The move will not affect your credit history.

    I’ve moved to TSB. Will my savings rate change?

    LBG says nothing will change for customers who have been moved to TSB – your existing savings rate won’t change and the product details in your terms and conditions will remain the same.

    I’ve moved to TSB. Will my savings protection under the Financial Services Compensation Scheme (FSCS) change?

    All TSB customers are now covered by the Lloyds TSB Scotland banking licence, which is separate from the main Lloyds Banking Group licence, which applies to Lloyds Bank.

    Halifax, Bank of Scotland, BM Savings, Intelligent Finance, the AA and more, which are also part of Lloyds Banking Group, also have their own banking licence and count as one institution under this.

    This means you can have up to Ј85,000 protected with TSB under the Government-backed FSCS, which guarantees you your money back if the bank fails.

    If you have any cash saved in any of Lloyds Banking Group’s other brands, this will have separate protection.

    This means you could have up to Ј170,000 protected if you have savings accounts with both TSB and Halifax, for example.

    I’ve moved to TSB. Will my mortgage rate change?

    LBG says nothing will change for those who’ve moved to TSB – your existing mortgage rate won’t change and the product details in your terms and conditions will remain the same.

    I’ve moved to TSB. Will I still be able to use my Duo Avios credit card?

    LBG says customers will have received a new TSB Duo Avios credit card in June and that these will work in exactly the same way as before, and the card’s terms and conditions won’t have changed.

    I’m not moving to TSB. What does it mean for me?

    Nothing will change for those staying with Lloyds Bank, LBG says.

    Hang on, can I get a better deal elsewhere?

    You should use this change as an opportunity to check whether you’re getting the best deal with Lloyds or TSB, and to consider switching elsewhere.

    Next week, a new, free, seven-day switching guarantee will come into force. It’ll make sure all payments going out, including direct debits, and those coming in, such as your salary, will be moved from your old bank account to the new one within seven days.

    At present, it can take between 18 and 30 working days to switch bank accounts.

    If you’re always in credit, our best buy current accounts include First Direct* (minimum pay-in Ј1,000/month) and Halifax* (minimum pay-in Ј750/month), which give Ј125 and Ј100 respectively to new customers switching to them, and Santander’s 123* account (minimum pay in Ј500/month), which pays 3% interest for those with Ј3,000 to Ј20,000, plus cashback of up to 3% on bills paid by direct debit – although it does charge a Ј2/month fee.

    If you always go overdrawn, our best buys include the First Direct* 1st Account, which has a permanent Ј250 0% overdraft, Nationwide’s* FlexDirect account (minimum pay-in Ј1,000/month), which has a 0% arranged overdraft for the first 12 months and the Halifax* Reward account, which has a 0% overdraft for the first 6 months.

    See our Best Bank Accounts guide for full information on all the top deals.

    Will I be able to use both Lloyds Bank and TSB branches?

    For now customers will be able to use both banks to carry out the majority of transactions.

    This will last a couple of months, although it’s not yet been decided exactly when the two networks will finally go their separate ways, and customers will only be able to use their own bank for transactions. LBG says customers will be notified when this happens.

    Will TSB offer any new products?

    LBG says in future, TSB may offer new products.

    Government-backed LBG, which also includes Halifax and Bank of Scotland, has to offload the branches under European competition rules due to the group’s sheer size.

    It had been planning to sell them to the Co-operative Group, but this deal collapsed in April (see the Lloyds branch sale to Co-op collapses MSE News story).

    For more details on what the split means for Lloyds and TSB customers, see this TSB Q ?>

    21/09/2017

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    In Small Business, Success Is Spelled With 5 C s #building


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    In Small Business, Success Is Spelled With 5 C s

    Clearly, small businesses are important to us all, but only the better managed businesses succeed. In a small business, effective management means properly balancing five factors:

    These are referred to as the five “C”s. Let’s take a look at these requirements to see how they affect small business success.

    Customers
    The acquisition and retention of customers are prime concerns of every small business owner because they are the lifeblood of the business, and produce the revenues that make the business run. The old saying that “nothing happens until somebody sells something” is certainly true for every small business.

    Customer acquisition and retention can be addressed in a number of ways that are often industry. market, or geographically dependent. They include, but are not limited to the following:

    1. Advertising. Small businesses, depending on their target markets and the goods or services offered, use various media to access potential customers. These include:

    • Direct mail
    • Local newspapers
    • Spot TV or radio ads
    • Websites
    • Internet listings
    • Trade publications
    • Directory ads
    • Event or charity sponsorships
    • Co-op ads with suppliers

    To read more about the power of advertising, read Advertising, Crocodiles And Moats .

    2. Promotions and Premiums. Many small businesses, particularly those offering services, use discount coupons and offer gifts for various levels of purchases. Discounts given as promotional gifts at sponsored charity events are also popular. Their effectiveness depends on the targeted audience at the event and what else is being given away there.

    3. Direct Mail to Targeted Customers. Direct mail can be a very effective and low-cost means to reach potential customers in a limited geographical area, such as by zip code, or with a purchased list with specific demographics. such as affluence, education level, golfers, etc.

    4. Referral Discounts. This technique rewards existing customers for providing sales leads from their family and friends. In this case, the lead itself may command a modest discount, and a lead that results in additional business may produce a substantial discount for the referring party.

    5. Branding. Branding is a non-product-specific form of advertising designed to enhance the awareness and reputation of the company in the marketplace. It is widely used by large corporations but can also be effective for small businesses that can afford to do it. It tends to be an ongoing and potentially expensive process. (For related reading, see Competitive Advantage Counts .)

    6. Customer Service. Providing excellent customer service is essential for every small business because they depend on a small population based in local or regional markets. Good or bad word-of-mouth on their customer service can make or break a company.

    A company doesn’t have to give away the store on customer service, but must be fair, pleasant and responsive to the needs of its customers. (For further reading, check out Small Business: It’s All About Relationships . )

    7. Networking. Networking at industry and chamber of commerce events can develop new customers for some small businesses. Those businesses providing business-to-business services tend to benefit most from this type of networking (insurance, financial services, printing, consulting, etc.) as their offerings can be used by a broad spectrum of the businesses attending.

    8. Telemarketing. Telemarketing is widely used by businesses offering residential services (driveway sealing, basement waterproofing, etc.). It is a numbers game, relying on the premise that if enough calls are made, some business will be obtained. It is time-consuming and can be limited by people’s reluctance to be contacted at home by telemarketers.

    9. Signage. Most businesses use signage to identify their location, but signage can also attract business if it is readable and attractive, especially if it incorporates branding.

    Cash Flow
    For a small business, cash flow can be more important over the short term than profitability. A small business owner should protect cash income and outflow, and take the necessary actions to ensure continuing positive cash flow by doing the following:

    • Adjusting expenses
    • Accelerating receivables collections
    • Extending the payables schedule
    • Adjusting inventory levels
    • Obtaining a bridge loan to fill a short-term cash gap

    An unmanaged cash position can cause unwelcome surprises in the form of unmet payroll, late fees on payables and unpaid taxes. Any one of these surprises can scuttle a small business quickly. (To learn more, check out The Essentials of Cash Flow .)

    It is a good idea to do a six- to eight-week future cash flow plan, which can provide time to act to ensure a positive cash flow result at the end of each week. Cash flow projection is simply looking ahead at when what revenues are coming in, comparing them to when expenses and payments are due and making arrangements so the balance remains positive.

    Credit
    Credit availability and management is part of the small business owner’s tool kit for a number of reasons:

    1. Obtaining Payment Terms. With good credit, a business can obtain more favorable payment terms, allowing it to use its money longer and to have inventory longer before having to pay for it.

    2. Taking Advantage of Payment Term Discounts. Taking advantage of payment term discounts allows a business with good credit and cash flow to actually pay less for the goods received from its vendors. For example, payment terms may be net 30 days, but discounted by 2% for payment made within 10 days

    3. Managing Cash Flow. Having good credit makes access to credit available when it is needed to bridge a short-term gap between receivables and payables due to seasonality. inventory enlargement or business growth.

    4. Avoiding COD Hassles on Deliveries. Without established credit, new suppliers will often ship cash on delivery (COD) only on initial orders. This reduces the payables float and pulls staff away from duties to handle COD arrivals.

    5. Getting Set Up With New Vendors. Without good established credit, new vendors may be reluctant to allow a new business to handle their product lines and represent them in the marketplace.

    6. Providing a Payables Float. As indicated above, having a payables float provides available money to the business over the float period, which enhances profitability.

    Credibility
    One of the biggest disadvantages a small business has to overcome when expanding into new niche or geographic markets is a lack of credibility. Because it is a small business, it is not as well branded or well known as its larger competitors.

    Potential customers of small businesses may have reservations concerning the size and competence of the staff, the sustainability of the business (are they going to be in business for the duration of my warranty?) or the lack of national branding.

    A professional presentation, testimonials, certifications, references and existing customer word-of-mouth recommendations all help. The prospect of dealing with the owner and receiving more personal service can also help small business credibility.

    Capital
    Access to capital is important to a small business when it needs to finance a building, buy new equipment or vehicles, enlarge inventories, or make an acquisition. The establishment of a good banking relationship and a track record of competence, trust, and good judgment with the bank will go a long way toward assuring a source of capital for the business before the specific need for a loan arises. (To learn more, check out Looking Deeper Into Capital Allocation .)

    Conclusion
    Small businesses represent a vital part of the U.S. economy and employ more than one-half of the non-farm private workforce. They may provide a large and growing employment opportunity for seniors, veterans, women and minorities. But just because small businesses are valued by the economy, doesn’t mean they’ll survive. By incorporating the five “C”s into your business, you can set up a framework to not only succeed, but also thrive.


    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.

    Get conditionally approved in minutes!

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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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    Top 2017 Credit Card Deals and Signup Bonus Promotions, delta gold


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    Credit Card Deals and Promotions: August 2017

    Delta gold credit card

    Delta gold credit card

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    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Here is the complete GIANT list of credit card promotions and signup bonus offers on CreditDonkey.

    Check out the credit card bonuses below to find the one that’s right for your spending habits.

    Credit Card Deals for Miles

    Delta gold credit card

    How does everyone else seem to get enough miles and points to score free hotel stays and flights? The smartest deal seekers know that signing up for a new credit card promo is a smart way to make leeway on their mileage balance.

    Lean in. Credit card companies are now offering new deals and lucrative sign up bonus promotions for new customers.

    In one short list, we’re going to tell you the featured credit card bonus on CreditDonkey – but it’s only available for those with excellent credit.

    • Delta gold credit card

    Delta gold credit card Like to travel? If you spend over $1,334 per month on your credit card, this promotion is for you: Chase Sapphire Preferred. You’ll earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 toward travel when you redeem through Chase Ultimate Rewards®. There is an Introductory Annual Fee of $0 the first year, then $95.

    Besides the lucrative Chase credit card promotion, the Sapphire Preferred also gets our attention because you can earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. For folks who eat out or travel often, this credit card is worth signing up for.

    And there’s more. Frequent travelers know airline miles are the key to saving money, and the Chase Sapphire Preferred lets you transfer the rewards points to participating frequent travel programs — at full 1:1 value.

    This card was made for international traveling. There’s zero foreign transaction fee and it’s chip and signature enabled for wider acceptance. Plus, you get premium travel perks, such as trip cancellation and trip interruption insurance — and purchase protection benefits such as extended warranty.

    To learn more, read our Chase Sapphire Preferred Review. We’ll discuss the reasons why we like the card (and the reasons you may want to skip it).

  • Delta gold credit cardBig spender? If you spend over $1,000 per month on your credit card and want 2x miles on all purchases, consider the Barclaycard Arrival Plus. You’ll earn 50,000 bonus miles (worth a $500 travel statement credit) if you make $3,000 or more in purchases in the first 90 days from account opening. The card earns 2x miles on all purchases and you can redeem miles for a statement credit toward any airline purchase to any destination with no blackout dates. Additional benefits include: 5% miles back to use toward your next redemption, every time you redeem your miles; no foreign transaction fees; and complimentary access to your online FICO credit score. There is an $89 annual fee (waived for first year).

  • Delta gold credit cardAirline / Delta: If you spend over $334 per month on your credit card and like to fly Delta, consider the Gold Delta SkyMiles Credit Card from American Express, a CreditDonkey partner. You’ll earn 30,000 bonus miles after you spend $1,000 on the card within the first 3 months. Plus, if you make a Delta purchase with your new card within the first 3 months, you can earn a $50 statement credit.

    You can redeem the miles toward award travel. Domestic one way award tickets start at 10,000 miles (plus taxes and fees) for travel within and between the Continental U.S., Alaska and Canada.

    You’ll earn 2 miles per dollar spent on purchases made directly with Delta and 1 mile for every eligible dollar spent on other purchases. Additional benefits include: check your first bag free on Delta flights; priority boarding; and no foreign transaction fees.

    There is a $95 annual fee ($0 introductory annual fee for the first year). For some travelers, the $95 annual fee is worth it. For example, the ability to check your first bag free on Delta flights is a potential savings of up to $200 per round trip for a family of four. To learn more, read our Gold Delta SkyMiles review.

  • Delta gold credit cardHotels / Starwood: If you spend over $1,000 per month on your credit card, consider the Starwood Preferred Guest Credit Card from American Express, a CreditDonkey partner. You’ll earn 25,000 bonus Starpoints after you spend $3,000 on the card within the first three months.

    What can you do with Starpoints? You can redeem Starpoints at over 1,300 hotels and resorts in over 100 countries. This includes popular hotel chains such as Sheraton, Westin, W Hotels, St Regis, Le Meridien, element, and aloft. Additional benefits include: free in-room premium internet access; complimentary unlimited Boingo Wi-Fi (on up to 4 devices; enrollment required); and no foreign transaction fees.

    There is a $95 annual fee ($0 introductory annual fee for the first year). Is the Starwood credit card worth having? Read our in-depth review before you decide.

    Cashback Deals

    Delta gold credit card


    18/09/2017

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  • Card Center #credit #card #companie


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    Pick a Card, Any Card

    Swipe and Save It s that Easy

    Get instant savings of 3 per gallon at the pump when you use your Murphy Check Card. It links to your checking account, works like a debit card, and requires no credit check.

    Three easy steps

    1. Request your card (we ll mail it to you for free)
    2. Enroll online
    3. Verify your account

    Murphy USA Platinum Edition Visa

    Enjoy savings beyond the pump with the Murphy USA Platinum Edition Visa Card. Receive 5 off per gallon when you fill up at any Murphy USA or Murphy Express location 1 and earn 1 point per $1 spent on qualifying purchases 1. It s bigger, better savings from Murphy USA.

    Limited time offer: 15 OFF PER GALLON at any Murphy USA or Murphy Express locations through Labor Day.

    1 See Rewards Terms and Conditions in the Summary of Credit Terms for details. Cash back accumulates as points and is redeemable in $25 (2,500 point) increments.

    Fleet Cards

    At Murphy USA, we are committed to helping businesses save money and time at the pump. We proudly offer Fleet Cards designed to help our business customers keep track of and reduce fuel expenses wherever possible. Feel free to explore our fleet fuel programs. Both deliver compelling savings, fraud protection, and specific spending measures.

    Private Label Card

    Feel secure and stay in control of your company s fuel spending. Our easy-to-read monthly reporting package lets you know who purchases what, when and where. You ll always save at least $.01 per gallon regardless of how much fuel you purchase but the more you spend, the more you save.

    • Fuel rebates up to $.04 per gallon
    • Driver ID required for security
    • Ability to set purchase controls
    • Accepted at more than 1,200 Murphy USA and Murphy Express locations in 23 states

    Learn more at:

    Universal Card

    Need to refuel outside our operating area? We ve got you covered. The Universal Card is valid at more than 90% of U.S. retail fuel locations, plus optional acceptance at thousands of service locations nationwide. Wherever you are, Murphy USA is the go-to place for fuel savings every time you fill up.

    • Fuel rebates up to $.03 per gallon
    • Driver ID required for security
    • Ability to set purchase controls
    • Accepted at Murphy USA/Murphy Express, over 90% of other U.S. retail fuel stations, and thousands of fleet service locations

    Learn more at:

    Fuel More Gift Cards

    Prepaid Gas Gift Card

    Everyone has to get to their go-to place help them get there with a Fuel More gift card from Murphy USA.

    Use it at the pump or the counter, just like a credit or debit card. Plus, you can use it for snacks, drinks, and more at Murphy USA.

    Fuel More gift cards are perfect for birthdays and holidays or just saying thank you. And because each Fuel More card is fully reloadable, it s the gift that keeps on giving.

    • Reloadable for use again and again
    • Available in $25, $50, $75, and $100 amounts
    • Accepted at any Murphy USA or Murphy Express location

    BUY A GIFT CARD

    Check Your Balance

    Not sure how much you have left to spend? Check your remaining balance before you fill up.

    Specialty Gift Cards

    Did you know you can purchase gift cards for some of America s most popular stores and restaurants at Murphy USA? With partners including Applebee s, Chili s, Foot Locker, and more, we re sure to have the perfect gift card for everyone.

    Don t forget to pick up a gift card on your next trip to Murphy USA or Murphy Express.

    Cards Accepted at Our Locations

    At Murphy USA, we want to make purchasing high-quality fuels at the best possible price as simple as possible. For your convenience, we accept all major credit and debit cards, plus Murphy USA Visa and gift cards.

    • Note: We no longer accept the Murphy USA Gas Card ($.03 discount card). All other fuel discount programs are still in effect.

    18/09/2017

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    Compare Credit Cards, Bank Accounts, Savings & More #compareandsave.com, #compare #credit


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    Product Offers
    Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

    Please note that the product links will take you direct to the Issuer or Insurer’s site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.

    2017 compare andsave .com is a trading name of Freedom Marketing Ltd.
    Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at http://www.fca.org.uk/register. Registered in England & Wales under registration number 05349340. The company’s registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

    The offers that appear on this site are from companies from which compare andsave .com receives compensation.

    The Financial Ombudsman Service (FOS) is an agency for arbitrating unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.


    18/09/2017

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    Microloans: Small Loans for Small Businesses – The Simple Dollar #loans


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    Microloans: Small Loans for Small Businesses

    Microloans and microcredit are a form of business funding that many people often associate with developing countries and particularly impoverished and disenfranchised populations.

    That may be due to the fact that microlending is generally considered to have originated in Bangladesh, where Grameen Bank founder Muhammed Yunnus began giving small loans to the rural poor decades ago.

    Such microloans, as Yunnus envisioned them, have many noble goals, including providing an alternative to loan sharks, supporting entrepreneurship, alleviating poverty, empowering women, and by extension, uplifting entire communities. All of which led to Yunnus winning the Nobel Prize in 2006 and the concept as a whole spreading around the world.

    The moral of the story is that these types of loans are also available in the United States, for small businesses that may not have a substantial credit history or that are perhaps owned by women or minorities populations that typically do not have as much access to financing.

    In fiscal year 2016, for instance, the U.S. Small Business Administration’s Microloan Program provided 4,472 microloans totaling more than $60 million, and about 40% of the loans went to minority-owned small businesses and nearly 40% went to women-owned businesses.

    In addition, more than 40% of all of the microloans closed under the SBA program during 2016 went to small businesses that were just two years old or younger.

    “Microloans are more targeted to people who have trouble accessing traditional credit,” explains Joyce A. Klein, director of the Aspen Institute’s Microenterprise Fund for Innovation, Effectiveness, Learning and Dissemination (FIELD). “Microlenders tend to be more flexible then banks are. If someone doesn’t have great credit, if they have thin credit, not that they haven’t performed well, but rather don’t have an extensive credit history, then microlenders are more willing to look at other factors, such as the cash flow of the business.”

    If your business fits this description, or if all you’re seeking is a small infusion of cash to carry your business forward, then read on for some of the key details about microloans.

    How much money can you borrow using a microloan? The microloan borrowing limit is $50,000, but the average loan size is around $13,000, according to SBA.

    What can the money be used for? Businesses may use the funds as working capital or to buy needed inventory, supplies, furniture, fixtures, machinery, or equipment.

    Typical repayment terms. Loans closed under the SBA Microloan Program cannot exceed six years, and generally carry interest rates below 10%, according to Jamie Davenport, the SBA’s acting director of the Office of Economic Opportunity/Capital Access.

    The nationwide network of SBA program lenders however, are just one example there are many other nonprofit microloan lenders out there. “Most have traditional loan terms,” says Klein. “But if you were comparing microloans to larger, long-term business loans, the (microloan) rates may seem expensive.”

    That’s because, according to Klein, the business borrowing the money may be relatively young, or possesses weaker credit or weaker collateral, which makes the loan riskier in some ways.

    Documentation Required to Obtain a Microloan

    The SBA suggests having a business plan prepared. If that sounds intimidating, the good news is that the SBA provides resources such as Small Business Development Centers and Women’s Business Centers that can help with writing a business plan, says Davenport.

    In addition, microlenders will typically want to look at some financial information from the business, says Klein, of the Aspen Institute. This may be in the form of a businesses’ tax returns, or the businesses’ bank statements.

    And depending on the lender, still more financial information may be requested.

    “Different microlenders use different criteria,” Klein explains. “They typically look at someone’s personal credit report. But one of the features of microlenders is that they are more flexible in terms of how they look at someone’s credit then a traditional lender, but they still look at personal credit.”

    “Like many traditional lenders, they’re trying to get a sense of what the financials of the business looks like,” Klein adds.

    How to Choose a Microlender

    Through the SBA Microloan Program there are specifically designated intermediary lenders across the country. These lenders are nonprofit organizations that have experience in lending and in providing small businesses with technical assistance.

    The SBA website provides a directory of its participating lenders, which are located all across the country, from Alabama and Arkansas to California, Tennessee, and Vermont.

    One way for small businesses to find an SBA lender in their area is to use SBA’s LINC tool, says Davenport. A business answers some simple questions about their business and their financing needs, and then we instantly connect or match that small business with lenders in their community.”

    The upshot of using an SBA microlender is that in addition to money, the lender is required to provide the business with technical assistance and guidance, such as free management training.

    This combination of free training and reasonably priced capital gives small businesses the best chance to grow and be successful, says Davenport.

    But the SBA program is just one option there are many other microlenders out there as well. Klein points to the nonprofit Justine Petersen in St. Louis, noting that the organization is doing interesting work helping small businesses build credit, as well as providing a source for funding.

    The Opportunity Fund is another well-known and respected name in the industry, and is California’s largest microlender.

    And one last organization worth noting, Kiva. is an online nonprofit organization that connects microlenders and borrowers. To date, a total of $936.5 million has been lent through the site, in 82 countries. About 1.6 million borrowers have accessed funding through Kiva and the repayment rate has been 97.1%.

    One caveat with Kiva, however: In order to receive an interest-free loan through the organization, borrowers first must have friends and family members contribute to their venture. This helps establish the creditworthiness of the borrower.

    Recommended For You

    Get rid of high interest debt with a 0% balance transfer credit card


    18/09/2017

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    Debt collection Process, Collection Agency Fees, AccessCM, sheffield financial credit score.#Sheffield


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    Welcome to Access Credit Management

    As a leading Credit Management Company, we offer many years of experience in dealing with slow paying debtors and have established a reputation for securing and recovering outstanding commercial debt from around the world.

    Our focus on the commercial debt market other debt collection firms has enabled us to develop a business methodology based on:

    • A detailed evaluation of your problem debt or portfolio to produce a realistic estimate of the likelihood of collection and the setting out of a recommended and cost effective method of recovery.

    As a result of the methodology we develop:

    • A comprehensive recovery operation achieving results by implementing a defined strategy.

    Our continuing success has been built upon:

    • Maintaining client relationships in strict confidentiality
    • Avoiding litigation wherever possible – solutions are primarily sought through innovation and negotiation
    • Offering a tailored service that meets with the clients’ needs and objectives
    • Results driven.

    The strength of Access Credit Management lies in the ability to evaluate, negotiate and the creation of circumstances within which problem debt situations can be successfully resolved.

    Our objective on behalf of you and your business is to:

    • Maximize your cash flow
    • Reduce your financing costs
    • Increase your profitability
    • Reduce the time taken to collect cash from sales
    • Maintain debtor goodwill and commercial trading relationships
    • Minimize litigation costs.

    All collections are conducted in a legal, ethical and professional manner. We value both your and our professional standing in the business community.

    We constantly strive to assist our clients to trade with confidence with existing and future customers on a national and international basis and our continued success has been built upon providing a service that meets with our clients’ requirements.

    As a debt collection agency we try to make the debt collection process seamless so you can carry on with your everyday work.

    Give us a call now to see how we can improve the cash flow of your business.

    Access Credit Management Limited was formed in year 2000 by John Cardwell and John Flaherty (MD). John Flaherty sadly passed away in 2009, a great loss to all who knew him.

    Access Credit Management work for global media businesses, internet giants, high street outlets, publishing houses, construction businesses, technology centres to name but a few.

    We also pride ourselves in offering our services to much smaller businesses who may need a helping hand in order to secure payment on their behalf.

    After 17 years working on a contingent basis, no membership or debt placement fees, we are able to demonstrate our efficiency in the market place, and we are constantly seeking new clients.

    ACM is a truly independent business with a focus on delivering results.

    No collection – no fee.

    UK and International Commercial Debt Collection Agency and Credit Management

    We believe that it is important for both existing and potential clients to know that they are dealing with a reputable and financially capable service provider.

    Independent Credit Ratings

    • Equifax Score 85, rating A
    • Creditsafe Score 81.

    Company Information

    • Company Registration Number: 03937357
    • VAT Registration Number: GB 763 5605 19.

    Licenses

    • Data Protection License Number: Z643776X

    Professional Indemnity Insurance

    • HCC International Insurance Policy Number: PI16A554135

    Access Credit Management Ltd in the Community

    Sheffield financial credit score

    Access Credit Management Ltd are the proud sponsors of the Sheffield DS Active programme – an initiative to provide children with Down’s Syndrome the opportunity to have a fantastic time, training and playing football at some of the UK’s most hallowed grounds.

    After much hard work training, the DS Active team recently do

    nned the Sheffield Blades colours and played in a tournament at Milton Keynes (organised by community staff of the Milton Keynes’ team MK Dons). Our intrepid players then settled down to watch their home team the Sheffield Blades take on the MK Dons in the big stadium (StadiumMK) – for many this was their first experience of all the razzmatazz of a league game. The initiative is a community charity managed by The United Initiative (part of Sheffield United Football Club). Sheffield’s Down’s Syndrome football team have been enjoying football sessions at the Club’s Academy since October 2011.

    But it didn’t stop there for our DS Active team, our young heroes of the field took part in the half time parade. As they walked around the pitch to the booming applause of the big stadium crowd, there were some huge grins on some little faces!

    The following week saw our intrepid heroes take part in a similar tournament hosted by West Bromwich Albion. The excitement continues with more training and events lined up for the year.

    “The United Initiative would like to extend massive thanks Access Credit Management who are currently sponsoring our DS Active programme as well as everyone involved in these events including the host clubs, coaches, families, friends and of course the players!”, Sheffield FC’s United Initiative


    13/09/2017

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    Credit InfoCenter – DIY Credit Repair, Credit Report Dispute Letters, credit


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    Credit Repair Information — How to Fix Your Credit Report

    Credit Info Center is the leader in do-it-yourself credit repair information and how to fix errors on your credit reports. We can help you order your credit reports, show you how to rebuild your credit, help you find a good credit repair company (if you prefer that route), and so much more. Bottom line, you don’t have to let bad credit ruin your life! When you have bad credit, lenders see you as a high credit risk and they will charge you higher interest for a loan. But having bad credit can mean more that just high interest rates. It can also mean higher insurance rates and even higher down payments on an apartment or a cell phone, for example. On the flip side, when you have good credit, then loans, insurance, and deposits can cost you a lot less, which means you have more disposable money left at the end of month. Which person would you rather be?

    Fortunately, you can fix your credit and we have the most up to date credit repair information on how to do it. Look through our helpful articles on repairing your credit, getting a credit card, and settling your debts. We also have comprehensive information on bankruptcy (which should always be a last resort). Our site is the one-stop place for all your credit repair needs and getting yourself out of debt.

    Fix Your Credit Report

    Our credit repair program gives you step-by-step instructions on how to fix your credit on your own for little or no money.

    Looking for free credit repair advice? Check out our discussion boards where hundreds of people visit every day offering free answers to your credit repair and debt settlement questions.

    You’ll also find helpful credit repair resources in our online bookstore. Our eBooks are available for immediate download so you can start to fix your credit today. We have tips on settling your debts for pennies on the dollar and how to deal with creditors. You will find everything there that you need to repair your credit and settle your debts, including 95 sample letters for you to use.

    Free Credit Dispute Letters

    If you find anything in your credit reports that you believe to be inaccurate, incomplete, or unverifiable, then you have the right to dispute it. These are the types of listings that drag down credit scores, so make this a priority in your credit repair efforts. How? By writing letters of dispute to the credit bureaus.

    Before you feel overwhelmed at the prospect, keep in mind, you need not start from scratch. We have all the sample credit repair letters you need, not only for disputing errors with the credit bureaus, but also for validating debt with collection agencies and negotiating settlements. Just be sure to edit them to your unique circumstances before sending (always via certified mail with return receipt).

    Credit Repair Services

    Not all of us have the time or interest to fix our credit on our own. But before you hire someone to do it for you, read this article about using a credit repair service. There are legitimate credit repair companies out there, but it’s important to know what to look for and what to avoid.

    To help you in your search for the best credit repair company, we have teamed up with Lexington Law, which offers top-notch credit repair service at a very affordable price. They have been helping consumers repair their credit since 1991, removing more than 9 million negative items from credit reports in 2016. Fix your own credit if you can, but if you’re considering a credit repair company, consider them. Get the facts about how Lexington Law works.

    Getting Your Credit Reports and Scores

    A big part of fixing your credit is knowing your credit score and looking over your credit reports. There are a lot of credit report offers out there, so check out our credit report offer comparison article to pick the right service to get your credit reports, for free or for a fee.

    Keep in mind, lenders are using more than just your FICO score. Check out these new credit scoring models that bank and credit card companies are using to determine your credit worthiness.

    Increasing Your Credit Score

    Do you want to apply for new credit? Is your mortgage interest about to go through the roof? Do you need to refinance but your credit score is too low? We have methods that will help you raise your score. Get the facts: Learn how to increase your credit score.

    Debt Settlement and Debt Elimination

    Do you have credit card debt? Student loan debt? You are not alone! More and more Americans are in debt and cannot pay their bills. Learn how to reduce your debt and settle your debts so you can have more money from your paycheck at the end of the month.

    Medical debt is the number one reason for filing bankruptcy. Don’t become burdened by overwhelming medical bills. There are other options to filing BK and we can show you how to make sure medical collections don’t show up on your credit reports.

    Chapter 7 and Chapter 13 Bankruptcy Information

    Are you over your head in debt and thinking about filing bankruptcy? Talk to a credit expert first to see if they can help settle your debts and fix your credit. Do all you can before filing for bankruptcy.

    Secured Credit Cards, Prepaid Cards, Low Interest Credit Cards

    Check out our articles on credit cards as well as help finding a credit card if you bad or no credit. We also have a list of recommended secured credit cards, prepaid and debit cards, and student credit cards.


    12/09/2017

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    How do I obtain my CLUE Report? #clue #report, #lexisnexis, #credit,


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    How do I obtain my CLUE Report?

    C.L.U.E. is a registered trademark of LexisNexis Risk Solutions (who acquired it from ChoicePoint in 2008).

    C.L.U.E. stands for comprehensive loss underwriting exchange and is a database that allows automobile and homeowners insurance providers to exchange information – without notice to you – about claims for loss of property.

    Under the Fair and Accurate Credit Transaction Act (known as FACT or FACTA), you are entitled to receive one free C.L.U.E. Auto and C.L.U.E. Personal Property report every 12 months.

    Start now by finding car insurance companies in your area

    You can obtain your C.L.U.E report by LexisNexis Services at 1-866-312-8076. The LexisNexis site also tells you how to order a copy of the report through the mail or, easiest of all, view the report online. They are the providers of the report, and are the only company that discloses this report.

    Here’s a simple example of how the exchange system works:

    • On a monthly basis, insurance companies feed information about property loss claims, even inquiries about coverage, into a central database.
    • The database is maintained by an information vendor, not another insurance company.
    • If you file a claim for loss against your car insurance policy, for example, the insurance company adds this information to the national database.
    • If you compare insurance companies and apply for homeowners insurance or car insurance with another company, the new insurance company can access the central database and learn of your past claims.
    • The consumer report shows the new insurer information about any claims you filed under your previous insurer’s policy. C.L.U.E. reports also include information about inquiries you made, even if a claims were never submitted or paid.

    When you or your insurance company requests a C.L.U.E report, it will include all losses reported within the past seven years from the date of the request. The basic information given is the date of loss, loss type and amount paid, along with general information such as your insurance company name, policy number and claim number.

    Besides the C.L.U.E report, which is maintained by LexisNexis, there is also a property loss database is maintained by Verisk Insurance Solutions. This database is called the Automated Property Loss Underwriting System, or A-PLUS. Because The LexisNexis report dominates the insurance risk market, reports of property loss have come to be known generically as CLUE reports.

    As with the C.L.U.E. report, you can receive one free A-Plus report in any 12-month period. If you need a copy of an A-plus loss-history report, you can call the A-Plus consumer report request line. This report is sent only by mail.


    09/09/2017

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    Tech Credit Union #tech #credit #union, #tech #cu, #credit #union, #banking,


    Tech Checking

    Tech Checking gives you the features you expect, plus online and mobile banking services to help you manage your account from anywhere, anytime.

    Secured Checking

    If problems with NSF (Non-Sufficient Funds) fees have caused you to be listed in ChexSystems, you know getting a new checking account can be extremely difficult. And without a Checking account, you re forced to use budget-draining payment services like money orders or retail currency centers. Tech CU Secured Checking is designed to provide basic checking services to those who want to make an honest effort to manage their finances and take control of their money.

    • Free box of Tech CU security checks.
    • Tech Check Card (Visa debit) is available.
    • Free Tech Debit Alerts .
    • Free 24-hour account access via Online Banking Mobile Banking .
    • View and print images of cleared checks in Online Banking.
    • No per-check fee.
    • Optional overdraft transfer from savings.
    • Access your account at CO-OP Shared Branch locations nationwide
    • Ability to upgrade to regular Tech Checking after 6-months of properly maintaining this account.
    • Assistance with establishing Direct Deposit or Payroll Deduction to your account.

    Secured Checking has the following requirements:

    • Those with a record of fraud at ChexSystems are not eligible.
    • Minimum daily balance requirement of $200 ($100 is held in Money Market Savings).
    • $5.00 monthly account service fee; $10.00 per month whenever the required minimum daily balance is not maintained.
    • Account e-Statement is required.
    • 7-business day hold on deposited checks.
    • $34.00 per NSF item returned.
    • $30.00 per stop payment.
    • $6.00 per overdraft transfer.
    • $5.00 copy of cleared checks.
    • Online Bill Pay service is not available.
    • Account will be closed for uncollected account fees.
    • Other account fees or restrictions may apply.

    ChexSystems is a network made up of member banks and credit unions that regularly contribute information on mishandled checking and savings accounts to a central location. This information is shared among member institutions to help them assess the risk of opening new accounts. Each report submitted to ChexSystems remains on file for five years unless the source of information requests its removal or ChexSystems becomes obligated to remove it under applicable law.

    Open A Checking Account Today

    Your new checking account can be opened at any Tech CU branch.

    • To open a Checking account, a minimum of $25.00 must be on deposit in your Tech CU Money Market Savings account.
    • A $25 initial deposit is required to open (Tech Checking).
    • Present a valid driver s license with your correct mailing address.
    • Present your most recent pay-stub (if employed).
    • Your first box of checks is free and is mailed to your home within 7 to 10 business days from the time of account opening.
    • Tech Check Card and PIN is mailed (separately) to your home 2 to 3 weeks from the time of account opening. You also have the option of having these items mailed directly to the credit union for pick-up.

    Contact Us

    Branch ATM Finder

    Education Center

    Self Service

    Rates Fees


    06/09/2017

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    Refund Request Form – Template & Sample Form #hotel #credit #card


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    Refund Request Form

    1,800+ Documents to Cover
    Any Situation

    With the most complete library of document templates available today, Business-in-a-Box will cover all your writing needs from the day you launch your business until maturity.

    Attorney-Drafted
    Professional Documents

    Written by lawyers and business consultants, all document drafts provide high-quality, legally sound content that conveys a polished corporate image. You too can look like a Fortune 500.

    Fully Customizable with
    Microsoft Office

    Save documents in Word format (.doc) and enjoy total editing capabilities by using MS Office (2010, 2007, 2003, XP and 2000), iWork, or the built-in Text Editor. Also easy to export to PDF.

    Fast & easy:
    Simply Fill in the Blanks & Print!

    Customizing a simple document is literally a matter of filling in the blanks. Fields that require customization are in brackets and contain helpful guidance making the software easy to use

    Regularly Updated
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    You can rely on a product that is evolving. We are constantly adding new documents and features to address user requests and the evolving business landscape.

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    All documents are available in English, French, Spanish, Chinese, German, Italian and Portuguese. Doing business with foreign partners and clients has never been easier!

    Improve Your Productivity Today!

    Run & grow your business like a pro!

    About Biztree

    Since 2001, Biztree has helped over 12,000,000 entrepreneurs, business owners, executives and managers to start, run and grow their business more efficiently. Our Business-in-a-Box software gives you unlimited lifetime access to our entire collection of 1,800 business and legal document templates.

    Whether you need to write a business plan, legal contracts, proposals, business letters, board resolutions, policies, spreadsheets or any other business document, simply fill in the blanks and get the job done in minutes!


    06/09/2017

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    6 Risky Ways To Pay Off Credit Card Debt #settle #credit


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    6 risky ways to pay off credit card debt

    The best way to pay off credit card debt

    There are many strategies for paying off credit card debt. You could trim your spending and direct the extra cash to cut the debt. Or, you could make more than the minimum payment each month and be debt-free after several months of sacrifice.

    But as with losing weight, there are shortcuts you don’t want to take to pay off credit card debt. Bankrate outlines six of them.

    1. Paying just the minimum.
    2. Taking money from retirement accounts.
    3. Robbing emergency savings.
    4. Tapping home equity.
    5. Skipping the mortgage payment.
    6. Taking out another loan.

    Jamie Grill/Getty Images

    No. 1: Paying just the minimum

    If you want to get out of credit card debt, paying the minimum each month is the slowest way to get there. It’s also incredibly expensive.

    For example, say you have $5,000 in debt on one credit card. Your interest rate is 15 percent, and your minimum payment is calculated by adding interest to 1 percent of the balance. If you pay the $112.50 minimum required each month, it will take 266 months, more than 22 years, to pay it off. And you’ll end up paying $5,729.21 in interest on top of the original balance.

    You could get a personal loan to consolidate all the debt into a fixed monthly payment at rates that are usually lower than average credit card rates.

    Portra Images/Getty Images

    No. 2: Taking money from retirement accounts

    Using retirement savings to pay off credit card debt is expensive.

    Besides raiding your future financial security, you could owe taxes to the IRS if you withdraw tax-deferred money from certain retirement accounts. Additionally, you may incur a 10 percent penalty if you withdraw funds too early.

    Instead, consider temporarily stopping contributions to your retirement account and use that additional money to pay off your credit card, says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax.

    The interest you’re paying each month as balances roll from one month to the next is outpacing the returns you’re earning from your monthly contributions, he explains. Just remember to restart your contributions as soon as you clear your credit card debt.

    No. 3: Robbing emergency savings

    Remember that rainy-day fund? Fight the temptation to put that cash to use.

    “Losing your job is an emergency. Paying off your credit card is not,” Ulzheimer says.

    Draining your emergency fund to pay off credit card debt exposes you if a real emergency strikes. You could be vulnerable for a year or longer as you replenish the savings. What constitutes a real emergency? Things such as a medical issue, natural disaster or job loss.

    Ulzheimer says if you feel compelled to use those funds, don’t wipe them out. Use a small portion along with other available cash as a stopgap for your credit card debt.

    No. 4: Tapping home equity

    There’s some debate as to whether pulling equity out of your house to pay off credit card debt is a good idea. Ulzheimer points out that many homeowners have traditionally tapped home equity to help pay for other debt such as credit cards. However, some homeowners may not even have that option because home prices have yet to rebound in their area.

    “Put a check in the ‘careful’ column,” says Ulzheimer. “If you have equity, you don’t want to push yourself too close to 100% loan-to-value. You’re endangering your home.”

    RATE SEARCH: A personal loan can be a viable alternative to tapping home equity to pay off debt. Check loan rates and estimate your monthly payments on Bankrate.

    No. 5: Skipping the mortgage payment

    Paying the credit card bill instead of the mortgage payment is also a huge risk and leaves you vulnerable to foreclosure.

    Sadly, this strategy became more common after an unprecedented drop in home prices put more homeowners on the brink of losing their homes, says Barrett Burns, president and CEO of VantageScore Solutions, the company behind the credit-scoring model VantageScore.

    It is all too common for families to depend on credit cards as lifelines to pay for the basics and get overextended. It’s OK to use credit cards in this way, as long as you can make the payments and keep those credit lines open, Burns says. It becomes a problem when keeping the lines open means missing a mortgage payment.

    Credit card issuers are quick to shut down delinquent credit lines because they are unsecured debt. The road to foreclosure, by contrast, is much longer, and many homeowners recognize they could have as long as a year before they are evicted. Still, a house is most Americans’ largest asset, and jeopardizing it to save a credit card could come back to haunt you.

    PhotoAlto/Eric Audras/PhotoAlto Agency RF Collections/Getty Images

    No. 6: Taking out another loan

    Avoid payday loans at all costs, Ulzheimer says. Title loans, or loans against a car, are usually too costly to pay for overspending.

    However, Ulzheimer recommends considering a signature loan, or unsecured personal loan, from a bank or credit union.

    You’ll want to make sure you can qualify for this type of loan at a reasonable rate and an affordable minimum payment. Sometimes the rate is better than a credit card. And be ready to give proof that you have the income to pay back the loan.

    The drawback? These loans typically come in small amounts, from $1,000 to $35,000. So, if your credit card debt is huge, a signature loan may not cover it all.

    How we make money

    Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.

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    04/09/2017

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    Total Return Swap (TRS) #swap, #swaps, #total #return #swap, #trs, #asset


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    Total Return Swap (TRS)

    A Total Return Swap (TRS) is a bilateral financial transaction where the counterparties swap the total return of a single asset or basket of assets in exchange for periodic cash flows, typically a floating rate such as LIBOR +/- a basis point spread and a guarantee against any capital losses. A TRS is similar to a plain vanilla swap except the deal is structured such that the total return (cash flows plus capital appreciation/depreciation) is exchanged, rather than just the cash flows.

    A key feature of a TRS is that the parties do not transfer actual ownership of the assets. as occurs in a repo transaction. This allows greater flexibility and reduced up-front capital to execute a valuable trade. This also means Total Return Swaps can be more highly leveraged, making them a favorite of hedge funds.

    Total Return Swaps (TRS) are also known as Total Rate of Return Swaps (TROR).

    The Total Return Swap market is strictly institutional over the counter (OTC). Market participants include investment banks (Goldman Sachs, JPMorganChase), commercial banks (Bank of America, Sumitomo), mutual funds (Prudential, Merrill Lynch Asset Management), hedge funds, funds of funds, private equity funds, pension funds (CalPers), university endowments (Harvard, University of California), credit card lenders (American Express, MBNA/Bank of America), insurance companies (AIG, State Farm), governments, non-governmental (NGO) organizations (World Bank, Inter-American Development Bank), home loan banks (FHLB, Fannie Mae, Freddie Mac), and the Treasury departments of large multinational corporations (Wal-Mart, British Petroleum). A variety of special purpose vehicles (SPVs) such as CDOs and real estate investment trusts (REITs) also participate in the TRS market.

    The TRS market was traditionally between commercial banks where one party (Bank A) had exceeded its balance sheet limits, and the other (Bank B) had balance sheet capacity available. Bank A could shift assets off its balance sheet synthetically and gain additional income with less risk. Bank B could “lease” the assets of Bank A by paying some regular cash flows and offering a guarantee against any capital losses.

    In the last 10 years, hedge funds and special purpose vehicles have become a major force in the TRS market. Now the most common use of a TRS is for “leveraged balance sheet arbitrage”, whereby a hedge fund lacking a large balance sheet and seeking leveraged exposure to particular assets pays for that exposure by “leasing” the assets from a major bank, mutual fund, or securities dealer. The hedge fund hopes to generate high asset returns without having to tie up its capital by buying those assets for its own account. The bank, fund, or dealer hopes to generate additional cash flow by charging a spread over and above the market returns it receives from lending or other activities, and receiving a guarantee against depreciation of the assets.

    A TRS can be structured on any type of reference asset. including single equities, indexes, leases, oil-backed credit obligations, baskets of corporate bonds, mortgages, municipal bonds, other swaps or derivatives, real property, credit card ABS, residential MBS, CDO notes, investment grade convertible bonds, etc. This makes the range of potential market participants extremely broad.

    TRS Transaction Structure

    A TRS is made up of two legs, the Return Leg (or Total Return Leg) and the Funding Leg. The reference asset or basket of assets exists on the Return Leg. The cash flow payment stream exists on the Funding Leg.

    The Return Leg is generally made up of two components: cash flows and capital appreciation of the reference asset(s). The Funding Leg also has two components: floating coupons based on LIBOR +/- a spread and payments to offset any capital depreciation of the reference asset(s).

    Additional legs may be structured to account for reinvestment of returns, interest payments on collateral / haircuts, multi-currency flows, or differing payment schedules. Fees, spreads, principal payments, etc. may be added in a customized structure.

    The Return Leg counterparty is called the Total Return Payer, Swap Seller, Buyer of protection, or Beneficiary. Here, we will use the term Total Return Payer or TRP. The TRP (typically a bank, fund, or dealer) has a long position in the reference asset or basket of assets, holding them on its balance sheet. The TRP “buys protection” on these asset returns by agreeing to pay all of the future returns of the reference asset(s) in exchange for a floating stream of payments, usually LIBOR +/- a spread, plus a guaranteed offset of any capital losses incurred by the reference asset(s). The TRP gives up one set of expected future returns (capital appreciation, coupons, fees, dividends, etc.) in exchange for another set of future returns (LIBOR coupons +/- a spread) and capital loss insurance. This allows the TRP to lock in the value of its asset(s) and receive additional income.


    04/09/2017

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    Online Loans South Africa – Home Loans #home #loans,personal #loans #bad


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    Home Loans – Approved Loans

    What is a Home Loan?

    Every person wants a home, may it be an apartment, a mansion or just a simplex. Whether you are refinancing a bond/mortgage or purchasing your little paradise, you sure will need to have a home loan that you is just right for you. There are a lot of financial institutions or lending companies or even banks which offer hassle- less home loan processing.

    First time home buyers usually get a home loan more easily. There is a wide variety of programs that have restrictions that come with the contract. Others find this too perfect for them, but for some, this may be a wrong choice.

    First time home buyer loan

    All first- times can be a big deal. It consumes too much time, effort and money. Some people usually seek the aid of a first time home loan to hurdle the issues with money. The program varies depending on the location but generally, the idea of a first time home loan is to give qualified borrowers the financial assistance.

    Some financial institution would offer the home loan in the following way:

    • Low to no down payment
    • Limit fees
    • Defer payments and offer grants
    • Subsidize the cost of the interest

    These are but a few examples of the benefits first time home buyers may take advantage of but take note that not everything in the list can be made available for you to take advantage of.

    Who can take advantage of a home loan?

    Anyone can take advantage of a home loan; but first time home owners are good candidates. Some programs usually offer home loans to people who have not owned a home within the last 3 years. Again, programs vary depending on the area so it is good to check if any lending company or institutions offer this in you area.

    Are there any restrictions?

    Like any other, home loans also have restrictions. Most of home loan programs put a R limit on the property that you are going to purchase. You may not be able to get a home loan for the most expensive property round the town but you will instead be limited to properties that are at the bottom of the pyramid. The idea is to provide margin and benefit to people who are in dire need.

    It is not advisable to use the first time home buyer loan for a rent. You are given the opportunity to own a home so grab it. Finally, the house that you are to purchase must also meet some physical requirements.

    The challenges.

    You may be faced with a few challenges when getting a first time home buyer loan:

    • The home may not be the home you want
    • You may lose the benefits if you sell your house too soon
    • Paying tax for some benefits you received
    • Shared home value increase with the program you signed up with

    With these restrictions, you will be armed with knowledge when you decide to get a home loan for you family. It is a must for you to find out the ups and downs of something before you even decide of saying yes to it.

    Home Loan FAQs

    A home is an important asset especially if you have a family. This is where you raise your children, eat, sleep and entertain family and friends. Owning a home is better than renting since you are building up equity. Is a home loan right for you then?

    There are First Time Home Buyers programs out there. Check with the local lenders to find out.

    You can often refinance at local bank with no closing cost home equity loan. That is, provided that you meet standard ratios of debt to income, that you have adequate equity in the home, and that your credit is very good. If you do not meet these qualifications, then you need to go elsewhere for a more traditional home equity loan.

    The structure is not uncommon. Most often than not, the buyer has little to put down.

    The credit score will be a bit low so the buyer will be hit by a high interest rate.

    Watch out for prepayment penalties as that is also common with such a deal when the credit score is average to low.


    04/09/2017

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    Internet Prospecting – Hotel SystemsPro #cortera #credit #reports


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    Internet Prospecting Links

    Motorcoach

    • NTA Online: www.ntaonline.com/
      Find a NTA Tour Operator
    • Ontario Motor Coach Association: www.omca.com/
      Find a OMCA Member
    • Motorcoach Council, Inc.: http://www.motorcoachcouncil.org
      The Motorcoach Council is a philanthropic, not-for-profit, public interest organization. On the partners page is a list of contacts who are actively involved in promoting motorcoach travel. In addition, the partner page lists National, State and Regional motorcoach websites.

    Lookup

    Events Reunions

    • Meetup: www.meetup.com/
      Find a Meetup Group.
    • Military.com: www.military.com/Resources/ReunionList
      Find locations of Military Reunions.
    • EventEye: www.eventseye.com/
      Trade Shows, Exhibitions, Conferences Business Events Worldwide
    • Top Events USA: www.topeventsusa.com/
      Trade Shows, Exhibitions, Conferences and Business Events Worldwide
    • World Events: www.digitaldiscounts.com
      The Traveler’s Guide to the World’s Greatest Events. Includes a calendar of events for every market around the world.

    Sports Recreation

    • Active.com: www.active.com/
      Find individual and team sports activities in your area. Includes marathons, triathlons, baseball leagues, soccer tournaments and more.
    • Bowling 300: www.bowling300.com/
      Bowling, bowling tournaments, and amateur events
    • Soccer Tournaments: www.soccertournament.us/index.html
      Information for youth and adult soccer events in the United States and internationally
    • Rowing Events: www.usrowing.org/index.aspx
      Provides information about recreational and competitive rowing events
    • Softball Tournaments: www.softballtournaments.com/
      Nationwide directory of Softball only tournaments
    • Harley-Davidson: www.harley-davidson.com/wcm/Content/Pages/HOG/HOG.jsp?locale=en_US
      Locate a Harley club near you.
    • InfoSports: www.infosports.com/btourn.htm
      Youth Baseball Tournament Locator
    • US Tennis Association: http://tennislink.usta.com/dashboard/main/findeventsandprograms.aspx?intloc=homepage intcmp=tlink
      United States Tennis Association – online support for USA TennisLink Tournaments
    • Running in the USA: www.runningintheusa.com/Race/Default.aspx
      Running in the USA is the largest online directory of races, results and clubs.
    • USATaekwondo: usa-taekwondo.us
      U.S. Calendar of Taekwondo Events
    • Sports Traveler: www.sportstraveler.net
      Sports Traveler has continued to expand to provide clients with the largest, most comprehensive selection of sports travel available. Search sporting events and plan ahead for large events coming to your city.

    Festivals Shows

    • Festival USA: http://www.findfestival.com/
      Festivals from all over the United States
    • List of Festivals: www.en.wikipedia.org/wiki/List_of_festivals_in_the_United_States
      List of festivals in the United States
    • Southern Festivals: www.southfest.com
      Southern Festivals, Festivals of the South
    • Festivals.com: www.festivals.com
      Find Festivals and Local Events
    • Antiques and the Arts Online: www.antiquesandthearts.com/calendar.asp
      The nation s leading newspaper source of info on antiques
    • The Antique Trader: www.antiquetrader.com/showcalendar/
      More Antique Shows
    • United States Equestrian Federation: www.usef.org/
      The USEF is the nation’s largest multi-breed organization and recognizes more than 2,800 competitions in the U.S. each year.
    • American Kennel Club: www.akc.org
      AKC event search
    • Horse Show Central: www.horseshowcentral.com/
      HorseShowCentral.com is the central watering hole for Horse Resources.
    • Northwest Rodeo: www.nwrodeo.com
      Rodeo Schedule for NPRA, PWRA, and many others

    Corporate

    • Business.com: www.business.com/
      Quickly find anything for your business
    • Hoovers: www.hoovers.com/free/
      Search for FREE information on companies, industries people
    • LinkedIn: www.linkedin.com/
      Over 60 million professionals use LinkedIn to exchange information, ideas and opportunities.
    • Cortera: start.cortera.com
      Cortera offers free company reports and company profiles that include business demographics, sales, number of employees, ownership and credit information.

    Aquariums, Garden, Museums Zoos

    • MuseumsUSA: www.museumsusa.org/
      Explore more than 15,000 museum listings. Find more than 3,000 museum events.
    • Zoos Aquariums: www.americanzoos.info/
      Includes information about Zoos and Aquariums around the USA. This is an alphabetical list with links to information sheets and websites.
    • Association of Zoos Aquariums: www.aza.org/findzooaquarium/
      Find a zoo or aquarium near you by searching by the states listed below.

    Travel sites and Things to do

    • tripadvisor: www.tripadvisor.com
      Things to do in United States
    • Thingstodo.com: www.thingstodo.com
      An online guide to travel, recreation, and entertainment information, ThingsToDo.com currently offers regional information for things to do throughout the United States and Australia.

    01/09/2017

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    California Motion Picture and Television Production Credit #production #credit


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    California Motion Picture and Television Production Credit

    On February 20, 2009, SB X3 15 was chaptered, creating a credit based on expenditures incurred for film and television productions, which will be allowable to offset California income, franchise or sales and use tax liabilities for taxable years beginning on or after January 1, 2011. This credit is referred to as the “old credit”. The amount of credit allocated for distribution was $100 million for each fiscal year starting July 1, 2009. The fiscal year for California is from July 1st to June 30th of the following year.

    Subsequently, AB 1839, chaptered on Sept. 18, 2014, expanded the credit. This credit is referred to as the “new credit.” The amount available for allocation was increased to $330 million starting fiscal year 2015/2016. The new bill is effective from taxable year beginning January 1, 2016, and will continue until fiscal year 2019/2020.

    To claim the credit, qualified taxpayers must first apply to the California Film Commission (CFC). CFC issues credit certificates (certificate) to qualified taxpayers who claim the credit in the taxable year CFC issues the certificate. Under limited circumstances, qualified taxpayers may assign or sell their credit.

    Once the credit certificates are issued by the CFC, taxpayers can use the old and the new credit at the same time to reduce their income, franchise, or sales and use tax liabilities. Taxpayers are required to report allocation, assignment, purchase, sale and application of credit against income/franchise tax with FTB or sales and use tax with the CA Board of Equalization on FTB Form 3541, California Motion Picture and Television Production Credit.

    FTB reporting requirements

    • File separate Form 3541 to report the old and new credits.
    • Provide the certificate numbers when reporting or using credits.
    • Use the name California Motion Picture and Television Production credit and the code 223 when reporting the use of the old credit (certificate numbers below 5000).
    • Use the name New California Motion Picture and Television Production credit and code 237 when reporting the use of the new credit (certificate numbers 5000 and above).

    Resources

    Contact information


    31/08/2017

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    Credit Data Reporting Services for Data Furnishers #credit #data #reporting, #consumer


    #

    Credit Data Reporting Services

    Winning with data reporting

    For us, it s all about promoting a healthy credit eco-system for everyone.

    Reporting consumer data to credit bureaus is essential for your customers to reach their financial goals and imperative for you to grow your business. By reporting credit data to Experian, you can:

    • Reduce risky lending decisions With access to more comprehensive credit data, lenders have a more accurate picture of a consumer s behavior and can make more informed and less risky decisions.
    • Minimize delinquencies and collections Other credit grantors may offer credit to your customer, not knowing that the customer already has an obligation to you. This may result in your customer getting over-extended and negatively impact their ability to pay you.
    • Increase on-time payments and collect bad debt When customers know that their lenders report, they are more likely to pay on time. You can also encourage late payers to resolve outstanding debts before delinquency affects their credit.
    • Improve your customers experiences and cross-sell By reporting positive data about your customers, you can reward good behavior and extend additional credit for other products and services.
    • Align with regulatory expectations and industry best practices While credit data reporting is voluntary, you can align with regulatory priorities and best practices to help and protect the consumer throughout their financial journey.

    Reporting credit data to Experian is fast, simple and easy and we ll help you every step of the way. Call us: 1 800 831 5614, option 3

    For information on Experian s Business Data Reporting Program, please visit http://www.experian.com/datareportingbusiness

    To report or not to report?

    8 Easy Steps for Reporting Data

    Best Practices Checklist

    Experian Data Integrity Services

    Consumer Data Reporting

    Should I Report Credit Data?

    Please enable JavaScript to submit this form.

    Solutions and Services

    2017 Experian Information Solutions, Inc. All rights reserved.

    Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.

    Experian Global Sites


    28/08/2017

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


    #

    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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    VA Loan Documents: Checklist for VA Mortgage Loans #va #funding #fee,


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    VA Mortgage Documents Checklist

    In addition to your DD214 or Statement of Service and your Certificate of Eligibility. your lender will require several personal documents in order to process and underwrite your VAMortgage. Typically these include the following personal documents for all borrowers:

    • W-2 Statements for the past two years from all employers
    • Most recent pay stubs or LES covering one full month
    • Most recent bank and asset statements covering two full months
    • Copy of your drivers license or military ID and social security card

    Other required items, if applicable to your personal situation, will include the following:

    • 1099 s for retirement income and a recent retirement statement
    • Social Security Awards Letter or current statement
    • Child support orders and/or divorce decree to document child support or alimony received
    • All schedules and discharge paperwork for any bankruptcies filed in the past 7 years

    Every Veteran borrower is unique and may require additional documentation specific to their situations. The best thing to do is to fill out the Pre-Qualification Form. and a VA Specialist will contact you to pre-qualify you. They will be able to provide you with a documents checklist specific to you and your individual profile.

    Get VA Loan Help

    Have a Specialist Contact You

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    Niles / MSG, USA, Ret:
    I just want to take this opportunity to express my appreciation for all the countless phone calls
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    Thanks for all your help. I am not sure I would be in this house if it was not for all the help you
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    I wanted to take a moment to express my sincere appreciation. My VA Loan Specialist went well above
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    Your personal information is encrypted and secure .

    VALoanCenter.net is not a government agency website or affiliated with the Department of Veterans Affairs. VALoanCenter.net has relationships with VA Loan Specialists who work for VA approved lenders. VALoanCenter.net may share your information with these trusted affiliates in order to assist you.


    25/08/2017

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    Excelsior College #ms #nursing, #nursing #degrees, #nursing #programs, #nursing #education, #degrees,


    #

    Nursing Education

    As one of the nation’s most highly regarded nursing institutions, the Excelsior College School of Nursing knows the value of an outstanding nursing educator—and what it takes to become one.

    You can join that elite class by earning a Master of Science in Nursing (Nursing Education) from Excelsior.

    By completing a nursing master’s degree with an education specialization, you’ll gain the skills and expertise to teach in hospitals, community colleges, nursing schools, and health care organizations. An education-focused MS in nursing will also put you in high demand among employers, as the nation faces a critical shortage of nursing faculty.

    Review the course sequence and credit requirements for Excelsior’s online MS degree programs.

    An Online Nursing Master’s Degree for Working Adults

    Excelsior’s School of Nursing has ranked among the nation’s best institutions for many years. (Why? Get the full story .) The National League for Nursing has designated Excelsior three times as a Center for Excellence in Nursing Education (most recently for the 2011-16 period).

    In addition to outstanding academic quality, Excelsior’s nursing master’s degree stands out for:

    • Flexible online nursing classes that you can fit conveniently into your work schedule.
    • Dynamic coursework that’s relevant, applicable, and up to date.
    • A supportive environment led by Excelsior’s award-winning team of academic advisors.
    • Reasonable tuition and fees, plus generous financial support to help you afford a nursing MS on your budget. (Get the actual dollar costs today so you can begin planning .)
    1. Function as a leader and change agent to promote holistic patient-centered care and population health.
    2. Translate evidence to develop health care practices in a culturally and ethnically diverse global society.
    3. Synthesize theoretical and empirical knowledge from nursing and other disciplines that are essential for nursing judgment and practice.
    4. Integrate specialty practice knowledge to enhance interprofessional collaboration, inform decisions, and improve health outcomes.
    5. Exemplify professional values and standards, best practices, and the commitment to lifelong learning in the role of the master’s-prepared nurse.
    6. Implement the role of master’s-prepared nurse as part of the interprofessional team.
    7. Integrate scholarship, a spirit of inquiry, and innovation to support nursing excellence.

    All Excelsior College nursing programs are accredited by the Accreditation Commission for Education in Nursing, Inc. (ACEN) formerly known as the National League for Nursing Accrediting Commission, Inc. (NLNAC), 3343 Peachtree Road NE, Suite 850, Atlanta, GA 30326, 404-975-5000. The ACEN is a specialized accrediting agency for nursing recognized by the U.S. Secretary of Education and the Council for Higher Education Accreditation.


    25/08/2017

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    CTDLC Home #connecticut #distance #learning #consortium, #ctdlc, #connecticut, #distance, #learning, #consortium,


    #

    CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

    CTDLC ANNOUNCES THE WINNERS OF THE 2016 DIANE J. GOLDSMITH AWARD FOR EXCELLENCE IN ETUTORING Newington, Conn. U.S.A. (October 3, 2016) – The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and unive.

    May 25, 2016 at Fairfield University Our Featured Keynote Speaker will be Dr. Robbie Melton “Education On-Demand and In Your Hands” The Internet of Things or IoT will not be gently knocking at higher education’s door, it will be banging on our doors with an army of devices in tow, and sooner.

    Call for Proposals Deadline Extended! The Conference will be held on Wednesday, May 25th, 2016, at Fairfield University. The DEADLINE FOR SUBMISSIONS has been extended until Friday, March 18th. The Connecticut Distance.

    The Connecticut Distance Learning Consortium (CTDLC), a division of Charter Oak State College and a member of the Connecticut Board of Regents of Higher Education, recently completed development of a series of online courses offered in American Sign Language (ASL) by the Connecticut Bureau of Rehabi.

    The Connecticut Distance Learning Consortium (CTDLC), whose online tutoring program serves an international community of 2-year and 4-year colleges and universities, is pleased to announce the recipients of this year’s Diane J. Goldsmith Award for excellence in

    Today we are pleased to be the focus of the WCET Frontiers blog. Our Call Center is very proud of all they have accomplished and are now able to offer to our clients. Here’s the link. We are always open to new cli.

    If you are new to online learning, instructional design, eLearning course development, or would simply like to learn more about the world of online education, this course is designed for you. Discounted rate for eTutoring.org Schools. A Two-Week Course Starts Monday, July 27th, 2015 Registration.

    CTDLC is proud to announce its latest partnership with Connect-Ability, Department of Services (DORS). and the Bureau of Reh.


    23/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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    Cheapest online college per credit hour #cheapest #online #college #per #credit


    #

    Admissions

    Current tuition charges and fees* are listed below by program. The cost per credit reflects courses taken within the School of Continuing Studies and does not reflect the cost per credit at other schools within Georgetown University. The following tuition charges are in effect for the Summer 2017, Fall 2017, and Spring 2018 Semesters and may be subject to change.

    *Fees include one-time transcript fee for all students. A Georgetown University Health Insurance charge is assessed when a student takes 8+ credit hours at the graduate level or 9+ hours at the undergraduate level. Students with their own outside insurance plans may qualify for a waiver of the Georgetown Health Insurance plan.

    **In addition to tuition and fees, the Office of Student Financial Services has determined the average Cost-of-Attendance Budget for full-time Liberal and Professional Studies students.

    The average Cost-of-Attendance** reflects estimated costs, including living expenses (rent, food, personal expenses), books, and travel for full-time students.

    Bachelor of Arts in Liberal Studies

    Summer 2017 Tuition

    Spring 2018 Tuition

    $984 per credit hour

    $984 per credit hour

    $984 per credit hour

    $2,952 per 3-credit course

    $2,952 per 3-credit course

    $2,952 per 3-credit course

    $3,936 per 4-credit course

    $3,936 per 4-credit course

    $3,936 per 4-credit course

    Master of Arts in Liberal Studies

    Summer 2017 Tuition

    Spring 2018 Tuition

    $1,034 per credit hour

    $1,034 per credit hour

    $1,034 per credit hour

    $3,102 per 3-credit course

    $3,102 per 3-credit course

    $3,102 per 3-credit course

    Master of Professional Studies Degrees

    Summer 2017 Tuition

    Spring 2018 Tuition

    $1,263 per credit hour

    $1,263 per credit hour

    $1,263 per credit hour

    $3,789 per 3-credit course

    $3,789 per 3-credit course

    $3,789 per 3-credit course

    EXECUTIVE MASTER’S DEGREES

    The Executive Master of Professional Studies (EMPS) in Emergency and Disaster Management, the EMPS in Global Strategic Communications, and the EMPS in Program and Portfolio Management have a cost of $1,995 per credit hour for the Summer 2017, Fall 2017, and Spring 2018 Semesters. The total tuition cost for EMPS programs is approximately $59,850 (estimated).

    Tuition includes:
    -Hotel for each onsite field study (7 nights for each)
    -Transportation once students arrive at each onsite field study
    -Some meals

    Students are responsible for:
    -Travel to and from each location (see program schedule for current field study locations)
    -Some meals
    -$60 mandatory student health insurance fee for each course requiring international travel

    Doctor of Liberal Studies

    Summer 2017 Tuition

    Spring 2018 Tuition

    $1,292 per credit hour

    $1,292 per credit hour

    $1,292 per credit hour

    $3,876 per 3-credit course

    $3,876 per 3-credit course

    $3,876 per 3-credit course

    SUMMER AND SPECIAL PROGRAMS

    Georgetown Summer School 2017:

    Summer School Undergraduate course level (001-349)

    • $1,302 per credit
    • $3,906 per 3-credit course

    Summer School Graduate course level (350-999)

    • $1,928 per credit
    • $5,784 per 3-credit course

    Summer Programs for High School Students (2017 Tuition Rates)

    1-Week Institutes
    June 11 – August 11, 2017 (dates vary)
    $2,895 (includes tuition, housing, and meals)

    Fundamental/Intro Courses
    Session I – June 4 – July 7, 2017 | Session II – July 9 – August 11, 2017
    Tuition: $1,258* per credit, 3 college credits each (estimated and subject to change)
    Pre-College Fee for all Students: $598 per session
    Housing: $1,829 (per session optional)
    Meal Plan: $275*/week (estimated and optional)

    Summer Honors Intensive
    Session I – June 4 – July 7, 2017 | Session II – July 9 – August 11, 2017 Tuition: $1,258* per credit, 3 college credits each (estimated and subject to change)
    Pre-College Fee for all Students: $598 per session
    Housing: $1,829 (per session optional)
    Meal Plan: $275*/week (estimated and optional)

    Please note. Tuition is subject to change and may vary by course of study. The School strictly adheres to the deadlines and policies of the University described under “Tuition, Fees, and Refunds” for undergraduate and graduate students described here for fall and spring courses and here for summer courses. Students should refer to the SCS Academic Calendar and Modular Calendar for appropriate refund deadlines. All refund requests are handled through the Office of Billing and Payment Services .

    Georgetown University reserves the right to cancel any courses without prior notification; however, every effort will be made to provide information on cancellations in a timely manner. In the event of cancellation, Georgetown University will refund tuition charges accordingly.

    *Fees include one-time transcript fee for all students. A Georgetown University Health Insurance charge is assessed when a student takes 8+ credit hours at the graduate level or 9+ hours at the undergraduate level. Students with their own outside insurance plans may qualify for a waiver of the Georgetown Health Insurance plan.

    **In addition to tuition and fees, the Office of Student Financial Services has determined the average Cost-of-Attendance Budget for full-time Liberal and Professional Studies students.


    23/08/2017

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    Credit Cards for Balance Transfer Online #credit #cards, #credit #card, #balance


    #

    Top Credit Cards with Balance Transfer

    Promotional Financing Spurs Buying Decisions, Says Survey
    September 10, 2015

    When making major purchases—spending $500 or more—people are swayed by promotional financing offers, such as credit cards that carry a 0% APR for the first year or longer. A consumer study from Synchrony Financial showed that 75% of cardholders look for promotio[. ]

    QUESTIONS about cards

    Q Do store credit cards help build credit.

    Store credit cards do help people with poor credit establish or rebuild their credit history if used carefully and wisely.[. ]

    Having a plastic with a high APR is not profitable: most part of your payments go for covering your interest. The excellent method of reducing finance charge is to apply for a balance transfer credit card. It gives you the opportunity to put an instant freeze on your interest payments and attack your outstanding credit card balance.

    If you have several debts, you can consolidate them on one less-costly balance transfer credit card. You will have only one payment rather than several to worry about. Be attentive to the limit of your new plastic – it should be high enough to accommodate your debts fully.

    Sometimes credit companies charge a balance transfer fee. It can be a flat rate, for example $30, or a percentage of the amount you will transfer – from 1% to 5%. The first variant can be more beneficial if your balance is large.

    Balance transfer credit cards can differ in their features. Don’t hurry: compare all perks and benefits. There are various offers with moderate fees, lucrative rewards program and reasonable APR on purchases. Check all offers at AllAboutCredit.net and find the most suitable plastic for yourself!

    Balance transfer credit cards come with low or 0% interest rates for a fixed period of time or for the life of your balance. The decision which credit card deal to choose depends on your financial needs.

    Credit cards with low or 0% introductory rates are mainly targeted at people who want to pay off their debt in full within the introductory period. It can last from 6 to 12 months, but you can find special offers which come with an introductory period of up to 15 months.

    Having zero introductory APR is a good start of your relationships with a new credit company. If you make on time payments and do not max out your credit limit, you will prove to be a valuable and reliable customer and improve your credit score. It is an excellent reason for negotiating a low interest rate when your introductory period is over.

    Balance transfer credit cards with a fixed APR can be a good choice for people who have a heavy debt that requires a long time to be paid in full. Despite of the fact that these plastics do not offer tempting zero interest rates, you can be sure that your APR remains low for the life of your balance. It may turn to be more beneficial in the long run.

    No matter which APR is more suitable for you – fixed or introductory, you can always find the best balance transfer credit card offers on AllAboutCredit.net. We have collected a great selection of the most attractive offers from major US credit companies, for example MasterCard or Discover. Choose the card that matches you best and apply online!

    made for free. Estimate your credit report to find credit cards with low interest and balance transfers available for your type of credit.

    You can compare business credit cards to find 0% APR balance transfer credit cards and 0% APR credit cards to get an almost interest-free loan for your business. Apply for student credit cards you like or choose one of our credit cards for consumers. Apply online for the credit card you like most.

    Many consumer credit cards with rewards support balance transfers. They include cash back rewards credit cards, gasoline credit cards, hotel credit cards and credit cards for airlines. Feel free to compare these credit card offers and apply online for the credit cards that suits you best.

    At AllAboutCredit.net you can compare credit cards, choose from the best offers that include instant online approval credit cards, and Chase credit cards with balance transfers, and apply online. Here you can make the best deals for credit cards, so do it now!

    Best Credit Cards

    AllAboutCredit.net provides a wide range of the best credit cards for consumers and businesses with different types of credit. As new offers tend to appear quite often, it takes time to find the plastics that suit you most. Here you can find all credit cards that proved to have profitable and favorable features. Feel free to compare them and apply online.

    The best credit cards at our site include instant approval credit cards. They let you avoid long tiresome waiting – you will find out whether you have qualified or not for a plastic within several minutes. Also check our low APR credit cards. They are a great way to save money on all your purchases, no matter what you buy: everyday necessities or more expensive items. If you want avoid charges for the yearly maintenance of your account, choose credit cards with no annual fee.

    AllAboutCredit.net gives you a good opportunity to find the best credit cards online. estimate their features according to your requirements and apply online for a credit card that suits your lifestyle and type of spending. Our credit card offers are popular with many customers, so don’t waste time: select the best credit card and apply online!

    AllAboutCredit.net strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that AllAboutCredit.net can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    * The AllAboutCredit.net webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. AllAboutCredit.net does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the AllAboutCredit.net website are property of their respective owners.

    Information in these articles is brought to you by AllAboutCredit.net Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    Disclosure: Not an access card.


    21/08/2017

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    Excelsior College #bachelors #degree, #business, #accounting, #degree, #degree, #earn #degree, #get


    #

    Accounting

    Add up the benefits and see how you will come out ahead with a competency-based Bachelor of Science in Business (Accounting) from Excelsior College.

    Competency-based education (CBE) at Excelsior allows you to earn your BS in Business with accounting concentration through a personalized program of study that combines course-based learning, independent study, and earned external credits.

    • Course-based learning refers to Excelsior’s 8 or 15-week online courses in accounting and other subjects that are directly informed by current trends in workforce development.
    • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can even test out of subjects you’ve already mastered.
    • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

    Designed for working adults looking to get ahead in their careers, this online business and accounting program culminates in a capstone in which you’ll demonstrate your knowledge through projects, simulations, and a summative exam.

    Earn your degree from an accredited college in a way that fits with your life, your budget, and your career goals.

    • Take flexible, online accounting classes that fit your schedule.
    • Transfer more credits to lower your costs and shorten the path to your accounting-focused BS in Business.
    • Access financial aid, flexible payment plans, and other assistance that helps make college more affordable.
    • Earn a business degree that’s accredited by the International Assembly for Collegiate Business Education .

    An Online Business Degree That Stands Out in the Job Market

    Excelsior College has been helping working adults complete their degrees for more than 40 years. We understand the challenges you face, and are dedicated to removing these obstacles.

    Our accounting courses meet rigorous academic standards and are regularly revised to include the latest advances in professional theory and practice. With a bachelor’s in business degree from Excelsior College, you’ll successfully compete in the accounting job market, and perform more effectively in your workplace.

    Take online accounting courses such as:

    • Accounting for Managers
    • Accounting Theory
    • Cost Accounting
    • Financial Accounting
    • Intermediate Accounting I
    • Intermediate Accounting II
    • Managerial Accounting

    As an Excelsior College baccalaureate-level business graduate you will be able to:

    1. Apply general and discipline specific concepts and methodologies to identify, analyze and solve business problems.
    2. Demonstrate an individual desire and commitment to remain current with and adaptive to changing business conditions through continuous learning and self-improvement.
    3. Demonstrate independent thinking, function effectively in team-oriented settings, and maintain a high level of performance in a professional business environment.
    4. Communicate effectively in a professional business environment.
    5. Perform ethically and professionally in business and society.
    6. Attain increasing levels of responsibility and leadership in one’s chosen career field.

    We expect that as an Excelsior College baccalaureate business graduate you will be able to:

    1. Demonstrate comprehension of the principles of accounting, marketing, finance, management and economics.
    2. Demonstrate comprehension of the legal and social environment of business.
    3. Demonstrate comprehension of the global environment of business.
    4. Apply ethical considerations to the obligations and responsibilities of business.
    5. Apply business tools to real-world situations.
    6. Employ information literacy techniques.
    7. Communicate effectively, orally and in writing.
    8. Apply business concepts and functions in an integrated manner.

    120 credits required. 60 in the arts and sciences, 54 in the business component (to include a minimum of 21 at the upper level of which 9 must be in the concentration), and 6 in the additional credit component (to include the 1-credit Information Literacy requirement).

    Courses classified as upper level must be junior-senior level (300 – 400) and can be classified as a business core, concentration, and/or business elective course

    See the credit requirements in chart form :

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org. The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Accounting (NYS CPA track) and Bachelor of Science in Business.

    IACBE Specialized Accreditation

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

    Associate and Bachelor’s Programs FAQ

    Content

    Contact

    Excelsior College
    7 Columbia Circle
    Albany, NY 12203-5159

    Washington DC Center
    2000 M Street NW
    Suite 500
    Washington, DC 20036

    Excelsior

    Explore

    Engage


    14/08/2017

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    Discover Credit Cards #discover #credit #cards, #credit #card, #online, #0% #balance


    #

    Discover Credit Cards

    • We’ll match all the Miles you’ve earned at the end of your first year. Bonus Miles – For example, if you earn 30,000 Miles, you get 60,000 Miles.
    • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
    • No Blackout Dates – fly any airline, stay at any hotel.
    • Redeem your rewards in any amount for cash or a travel credit.
    • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No Annual Fee.
    • See additional Discover it Miles details

    at Discover 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 details
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. Plus, 1% cash back on all your 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 chrome details
    • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
    • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit.
    • Reports to the three major credit bureaus. Plus, get your FICO Credit Score for free on monthly statements, on mobile and online.
    • Earn 2% cash back at restaurants gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Tools to assist you; email alerts, text reminders and 24/7 customer service.
    • See additional Discover it Secured Card details

    at Discover s
    secure site

    • 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 Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it for Students details

    at Discover s
    secure site

    • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter no sign-ups needed. 1% cash back on all your other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service your FICO Credit Score for free on monthly statements, on mobile and online.
    • Freeze It on/off switch for your account that prevents new purchases, cash advances balance transfers in seconds.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% – 22.74%.
    • See additional Discover it chrome for Students details

    at Discover s
    secure site

    See the online Discover credit card applications for details about terms and conditions of reward programs and offers. 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.


    13/08/2017

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    Credit Card Debt vs #credit #card # #interest #installment


    #

    Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation.

    The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation.

    Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear).

    While we try to feature as many credit cards offers on our site as we can maintain (1,200+ and counting!), we recognize that our site does not feature every card company or card available on the market.

    Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation.

    For a list of all of our advertising partners, click here

    Credit Card Debt vs. Installment Loans: Which to Pay Down First?

    With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

    If you want to pay down your debt, you are most likely researching ways to do just that. A common question that comes to mind is which should be paid down first, your credit card debt or installment loans, which include mortgages, car loans and student loans.

    You may have heard that credit card debt — even if that debt is on a balance transfer credit card — should be a priority over paying down an installment loans.

    An installment loan is paid in equal monthly amounts. Credit card debt carries a monthly minimum payment that can fluctuate according to the outstanding balance on the account. But many consumers pay off their credit card balance each month, or at least make more than the minimum payment.

    Focus on credit card debt first

    There are several good reasons for prioritizing your credit card debt over an installment loan:

    BUILD your credit score

    The first relates to your credit score. When you pay down your credit card debt, you are reducing the amount you owe and increasing the amount of credit available to you. That means lower credit utilization, which can translate to a higher FICO score or VantageScore.

    Paying your installment loan on time reflects well on your credit report — but it doesn t have as large an impact as lowering credit utilization does.

    Also, your credit score takes into consideration whether you have different types of credit open. Having some installment loans (in addition to revolving credit such as credit cards) and steadily paying them throughout the life of the loan will help your credit score.

    focus on interest rates

    In addition, if you look at your credit card statement and compare it against your mortgage or auto loan bill, one number will jump out at you — the interest rate. In general, your credit card will have a much higher interest rate than your installment loan — in many cases at least 10% higher (but check to be sure). This is another good reason to pay down your credit card debt first.

    remember tax benefits

    With a mortgage installment loan you also may be eligible for a tax benefit in the form of deductible interest. You can’t earn tax benefits from your credit card debt.

    Watch the calendar

    Finally, if you recently transferred your debt to a 0% APR balance transfer credit card or are thinking about taking advantage of a balance transfer credit card offer, you’ll want to pay off the balance before the 0% offer expires.

    This article updated May 17, 2016.

    You may also like


    13/08/2017

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    Revital Credit – Credit Restoration Services #credit #advise


    #

    The benefit and support that Revital Credit Service adds to my business is immeasurable. Every closed home buyer customer I ve had sings their praises and is so happy they signed up, not to mention the price for all that they do is extremely reasonable. My Realtor partners are beginning to offer them as a preferred partner as well. I could not be as productive without them!

    Rhonda Faucette, Mortgage Consultant

    I’m now a home owner! I just wanted to say thank you for helping me bring my credit score from a 580 to a 700 now. With your help I was able to purchase my first home for me my future wife and our daughter. I am so thankful for your services and will be referring people to you all very soon. Thank you for hanging in there with me and for a one time fee serving me for as long as I needed it. You are truly a blessing.”

    They worked with us one on one to clean up our credit guiding us each step of the way. Before we knew it we were signing our closing papers on our new home. Thank you so much! We never thought we would be home owners but your company made our dreams come true.

    Erik, Home Buyer

    Revital Credit Services amazing! Jeff and his team are very quick to respond to me and all of my customers every time I send them a referral. I love getting the chance to get my customers who are down in the dumps about their credit excited again about becoming a homeowner. Jeff just got one of my client s scores up and we closed on her home this week. She is a single mother and is by far the most appreciative borrower I have ever had. She firmly believes that Jeff and I made her dreams come true. Keep up the good work, you are making many people s dreams of home ownership come true!

    Nicole Blakeman, Mortgage Planner

    I’ve sent Jeff with Revital Credit Services hundreds of clients over the years and he has turned so many of those clients into homeowners. The approach he takes by providing a proposal of the things needed to be done on a prospective client’s credit really helps my clients feel comfortable working with him. I’m happy to say that I’ll continue referring business to Jeff and his team.

    Matt Devine, VP of Mortgage Lending

    My credit score was around 570 when I requested help. I started working with Jeff in November and by March I was at my goal of a credit score of 640! He was professional, easy to contact and FAST! I never thought I could get this type of result so quickly! I would definitely recommend them to others. Because of Jeff s help I m about to close on my first HOME! Thanks for all you do!

    Tiffany, Home Buyer

    My score was in the low 400s when I first came to Revital Credit. At graduation from the program, my credit score was over 650 within a matter of a few months. Even though I never met a representative face to face, I can truly say they were most attentive, easy to deal with, patient, and reliable. Their emails were not judgmental. They are very precise with the information they request, and with the feedback they deliver. If you do what they suggest, you will meet your target date. I will highly recommend others to Revital Credit Services. Thank you.

    Karen, Satisfied Client

    Revital Credit Services is a corner stone in my real estate business. Having low credit scores can be a frustrating and overwhelming dilemma making it difficult to buy a home. They treat my clients with compassion, respect and understanding. They attack the credit concerns providing a step by step program to be followed with a specific graduation date and keeps me updated throughout the process so I know how to best serve my home buyer clients while in his program. All 11 clients I have referred to him in the last year, many with 490 and below credit scores, have found themselves homeowners in 3 to 9 months and simply raved about their experience with Revital Credit Services. I am so proud to have a colleague I can count on to provide professional assistance to my clients. They have never been a disappointment in the five years I have known them.

    Andrea Coleman, Realtor

    I have been in the loan business for almost 20 years. Revital Credit Services is a company that I trust. They are honest, they communicate well with all parties, and they are down to earth with clients. I love their updates and their congratulations when clients graduate their program! They help people, and they deliver what they promise in the time frame that they forecast. I consider their representatives an important part of my team. I highly recommend their services.

    Amy Bonis, Certified Mortgage Planner

    I have been using the team with Revital Credit Services for about 5 1/2 years now and they have helped me assist countless home buyers achieve the dream of Home Ownership. Most of these clients never thought they could own a home. The knowledge that Revital Credit Services provides and their communication with me and my clients has proven to be instrumental in the approval process. I highly recommend Revital Credit Services to anyone who personally or professionally can benefit from a credit consulting company.

    George Maddox, Sr. Loan Officer


    13/08/2017

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    Oshkosh Truck Credit Union #fast #credit #card #approvals


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    Dreaming of Remodeling Your Home?

    We offer both first mortgage refinancing and home equity loans with amortizations up to 30 years. Our closing costs are among the lowest in the industry. Just what you would expect from your credit union: the best service with the lowest rates and fees possible. All mortgage programs are not the same, and it’s important to understand the differences when you are shopping around. Whether you’re looking to refinance your first mortgage home loan, or looking to take out a second mortgage, Oshkosh Truck Credit Union has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage. Call and make an appointment today at 920-233-2611 and ask for Linda.

    Great Rates and Fast Approvals

    Oshkosh Truck CU offers vehicle loan rates as low as 2.39% APR*, fast and easy application process, fast approval and no prepayment penalties. You can apply anytime online, on the phone or in person. Get pre-approved before you go to the dealer to increase your bargaining power. Ask about our GAP insurance program at a cost much lower than dealers. *Based on credit approval, restrictions apply. Contact our Loan Department for complete details.

    Oshkosh Truck CU Visa Platinum Card

    When you sign up for an OTCU Visa Platinum Card you’ll be rewarded with no annual fee and a great low interest rate that won’t go up when the prime rate changes. Looking for a GREAT RATE on a BALANCE TRANSFER? We’ve got that too. Save money by transferring your balance from a high interest credit card to our low interest rate card. We offer No Fee balance transfers every day of the year. We offer multiple card options to suit your needs.

    Testimonials

    We have our mortgages here, and also our car loan and savings and checking. We like to keep it in one place – that way if we have any questions we can go to one source to take care of everything.

    Lisa D. OTCU Member

    I took out my first car loan here and it was after I had searched around several places for the best rates.

    Bob P. OTCU Member

    Thank you guys very much for working with me on my truck loan. That was the first nice thing I ever had, and I loved it and love you guys for making that happen.

    Ken K. OTCU Member

    I saved an extra 0.75% off my loan rate because I have direct deposit and use OTCU’s checking account. That was a nice surprise.

    Sara S. OTCU Member

    Whether you’re at North Plant, South Plant, or West Paint Shop – it’s all centrally located.

    Wanda B. OTCU Member


    13/08/2017

    Posted In: NEWS

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    Academic Programs – Health Information Technology #health #information #technology #program, #health


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    Academic Programs Health Information Management

    Visit the Health Information Management Academic Program page on MC’s online catalog

    The US Department of Education requires colleges to disclose a variety of information for any financial aid eligible program that prepares students for gainful employment in a recognized occupation. Midland College is committed to creating an educated workforce by offering occupational programs that lead to gainful employment.

    Medical Coding Specialist
    Health Data Coordinator
    Health Data Specialist – Physician Practice

    The Health Information Management online associate degree program is accredited by the Commission on Accreditation for Health Informatics and Information Management Education (CAHIIM). According to the Bureau of Labor Statistics, health information management jobs are expected to increase by 15% from 2014-2024. The median income is $37,110, (2015 statistic), but additional credentials do add to the marketability of professionals.

    The HIM program was established in 1998 as a traditional face-to-face program. In 2007-2008, the HIM program transitioned to an “online only” program to meet the needs of working students and professionals. The exception to online courses are the requirement for clinical courses completed onsite at a facility (HITT 2261 for the associate degree and HITT 1167 for Medical Coding Specialist certificate).

    Program Statistics for years 2011- 2016 :
    Registered Health Information Technologist: 91 % pass rate for graduates t aking RHIT exam.
    Employer Satisfaction Rate: 100%
    Student Graduate Survey, Satisfaction Rate: 100%

    Many students admitted into the program have already completed one degree, and some have bachelors or masters degrees. The reason they pursue the associate degree training is to be eligible for the Registered Health Information Technician (RHIT) upon graduation. The RHIT credential, and the RHIA credential for the bachelor’s degree, continue to be a preferred credential that healthcare employers seek when hiring Health Information Management candidates.

    Online Technology Requirements

    Students meet the minimum requirements listed on Canvas to complete the courses. See guides.instructure.com/ for details.

    Students must be self-motivated, able to comprehend information in written form, and have the ability to communicate effectively both in written and verbal forms. Students should also be able to research websites, upload and download documents, post discussions, and access email. The courses are not self-paced, but have scheduled weekly due dates for assignments, discussions, and tests. Students should expect to spend 6 9 hours per 3 hour credit course to complete assignments, readings, and tests. Instructors are available to answer questions online or by phone related to course topics.

    Skills Needed for Health Information Profession:

    ability to analyze patient data for payment or registry information,
    able to sit for long periods to complete work at work station
    research and review patient information for regulatory compliance,
    code and categorize patient information using standard coding systems.
    communicate effectively with patients, physicians, and other customers
    ability to work under pressure to meet deadlines
    keyboarding skills and ability to use software systems, patient portals, etc.

    Students may apply to the program in the semester they are completing the prerequisites. Final grades will be verified before admittance. Students are accepted prior to each semester (Summer, Fall, and Spring). Most of the students in the programs are considered part-time; taking 2 to 3 classes each semester since most have part-time or full-time jobs. There are approximately 70-80 students taking HIM classes or prerequisite courses to gain admission to the program.

    Clinical Requirement Onsite:

    Students that live outside the local Midland area are able to locate clinical sites in their area with the assistance of the HIM program. More information and directions are given to students upon acceptance into the program (courses related to associate degree and Medical Coding Specialist certificate). Prior to the clinical course, students are required to meet certain facility requirements to attend clinical practice. These include a background check, drug screen, immunizations, and other requirements based of the facility. More information provided prior to clinicals.

    See Frequently Asked Questions for more information and application.

    Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

    Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

    Associate of Applied Science Degree for Health Information Management

    Medical Coding Specialist Certificate

    Health Data Coordinator Certificate

    Student Support Coordinator, Raquel Valenzuela, RHIT
    2 1 8 DFHS, 432-685- 6893

    Midland College is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award certificates and associate and baccalaureate degrees Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4500 for questions about the accreditation of Midland College.

    Notice of Non-discrimination (Title IX)


    11/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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