3 Benefits of Using Your Credit Card

Purchasing an item has never been as easy as using a credit card to pay for it. If you have one, then you can simply use it to buy anything either online or at a physical store. Transactions are made faster and more convenient with the use of a credit card.

Credit cards can cause you debt if abused. To get the most out of your credit card, you have to use it responsibly. You just can’t buy all the things you want anytime, anywhere. It is still significant to note that you have to think about what you are going to purchase first before using your credit card. In case it’s not something important or urgent, then don’t buy it yet.

Choosing the right credit card for you can be tough. There are a lot of banks offering various types and options for credit cards. With this, you have to pick one that suits your needs and preferences. Apparently, Choice offers the best guide when applying for the best credit cards to make things simpler and easier for you.

Hence, here are some of the benefits you can get while using a credit card:

Security and Protection

Two of the top advantages of using a credit card are security and protection. By simply paying with it, you can prevent any losses from fraud. Your credit card issuer offers security alerts that will notify you in case there is unusual activity on your account. Additionally, your issuer provides you with protection features for travel insurance, defective goods, car rental insurance, and other perks.


Numerous credit cards work on a point system for any purchases you make using it. You can earn up to five points for every dollar you have spent. Once you reach a particular point limit, you can exchange your points for gift cards at selected stores. More so, you can use these gift cards as presents for your loved ones, making it for you to shop cheaper and easier.

Frequent-Flyer Miles

If you are a frequent flyer, you can take advantage of your credit card. For every dollar spent, you can get one mile or even two at times. As a cardholder, you can redeem your miles for a discount of a plane ticket. Also, your card can give you more valuable benefits through mileage signup bonuses. This means that you can get 50 to 100% off of a certain flight in a month or two.

All in all, credit cards have plenty of benefits to everyone if used properly. If you know how to limit yourself in using your card, then you won’t experience any trouble with it. Once you are decided to apply for a credit card, make sure that you understand everything about it. These advantages mentioned above are just some of the things you can get from it. So, be sure to research thoroughly about your credit card benefits and how it works. Things will get simpler by using your credit card … READ MORE

Simple Ways To Save Money

These days, saving money can be a challenge. The cost of living is increasing, but many people have not noticed an increase in their paycheck in a long time. Fortunately, there are simple things that you can do in order to save money.

Automate Your Savings Account

Just about every major bank allows you to make automated transfers from checking to savings account. Saving money will be a lot easier every month if you automate your savings. If you automatically save a certain amount of money each month, then you will be able to build up your emergency fund in no time.

Save Loose Change

You should save the loose change that you get back from making a purchase. You should also save any change that you find. Loose change may not seem like much, but it can help you save a lot of money over time. If you put $0.50 in a jar every week, then you can save $26 extra per year.

Use the 30-Day Rule

It is a good idea to use the 30-day rule before you make any purchase. This means that you should wait 30 days before you decide whether to make a purchase. You may decide that you do not even want to make the purchase after a month. Additionally, it is a good idea to wait a month before getting a line of credit.

Take Advantage of Free Entertainment

Saving money does not mean that you have to completely eliminate entertainment from your budget. However, it is a good idea to take advantage of the free entertainment. For example, you can check out books and movies from your local library. You can also attend free events in your area.

Simple Ways To Save Money

It is easy to waste money by buying things that you do not need. It will be easier for you to only purchase the things you need if you make a shopping list. That is why you should make a shopping list before you go to the grocery store.

Avoid Fast Food

Many people eat fast food because they have extremely busy lives. However, it is best to prepare meals at home and pack your lunch. This will not only help you save money, but it is healthier. You can prepare a week’s worth of meals on Saturday and Sunday. You can also use your crock pot to prepare inexpensive, time-saving meals.… READ MORE

How To Secure Your Financial Future

It is never too early to start preparing for your future. The earlier you start planning for your future, the easier it will be for you to prepare for retirement. There are a number of things that you can start doing now in order to prepare for your financial future.

Set a Budget

Setting a budget is one of the keys to getting your finances in order. You should write down exactly how much income you get from all sources. You should also write down all of your monthly expenses. You will need to set a new budget every time that your finances change. If you need help setting a monthly budget, then you will need to contact a Salt Lake City accountant.

Build an Emergency Fund

Life can throw you a curveball at the worst time possible. However, it will be easier for you to deal with the unexpected things that life may throw your way if you have an emergency fund. It is a good idea to have three to six months worth of living expenses in your saving account. This may seem impossible, but if you put away a little bit of money every time that you get paid, then you may be able to reach this goal sooner than you think.

Pay off Your Debt

Many people still have debt when they retire. Paying off debt is a difficult task. However, if you pay off your debts one at a time, then this goal is more attainable. It may be easier for you to pay off the smallest debt first. Once you pay off one debt, paying off the other ones will not seem as difficult.

If you struggle with your debt, then there are a number of options that can help you. You may want to speak with a credit counselor. You may also want to enroll in a debt consolidation program.

Get Your Credit in Order

The importance of having good credit cannot be reiterated enough. You will be able to get better interest rates if you have to take out a loan. You will also increase your chances of getting a job. Paying down your debt will help you get your credit in order. You will also need to pay off any past-due accounts. Additionally, you should not open a credit account unless you really need it. Your credit score is negatively-impacted every time that you open a new account.… READ MORE

5 Ways to Have Extra Cash in Your Pocket

All of us are looking to save money in some ways. Saving money means having extra cash in your pocket to save for emergencies, save for a trip, or even invest for your retirement. There are lots of ways to save money, but here are a few tricks that will really help you save cash to achieve your financial goals!

Save With Security

In many areas of the country, having a security system at home is a must. Many security systems sound very expensive but if you shop in the right way, you can find some amazing deals. Look for companies that offer free equipment and installation. You can easily save $100 or more on equipment and installation alone! Additionally, some companies offer perks to new customers or homeowners such as, a special rate for the first year or a free Visa gift card. Still not convinced? Then do call your insurance agent and ask how you can save money on your homeowner’s insurance by securing your home with a system. While you are at it, consider the savings you will have when your home is not broken into and valuables taken.


Sell Your Unwanteds

One of the quickest ways to make money quick is by selling all the stuff you have that you don’t use. Go through your clothes and deliver them to a consignment shop, sell your used household goods online, or set up a yard sale to get rid of clutter.

Save on Clothes

Our clothes can be one of the most expensive ways we lose money. It’s a necessity and yet we often have more than we need. Here are a few ways to save on your clothes:

  • Take your old clothes to a consignment shop and use the store credit to replace your clothes
  • Shop yard sales and thrift stores
  • Use coupons
  • Buy only clearance items
  • Host a clothing swap with friends

Save on Food

Food can be one of the biggest hits to the family budget but there are ways to save!

  • Learn to coupon – it can really get you a few free items
  • Shop in bulk for some of your items, such as toilet paper and paper towels
  • Shop the sales for items you will use
  • Shop in the morning to grab meats that are discounted
  • Take advantage of buy one get one free sales

Save with Transportation

We are a society that is all about cars. However, if you live in a major city you can bypass the car and save tons on car payments, insurance, fuel, and maintenance simply by changing how you get around. Research car pools, light rails, subways, driving services, and bus systems. Many cities now offer discounts for yearlong subscriptions to their public transportation that can mean big savings for you!

Sometimes when we make the choice to try and save money, we become overwhelmed by the enormity of it. The best thing to do is to set a personal financial goal and then … READ MORE

Biodiesel, Potential Business for Alternative Fuels

Petroleum is a fossil energy sources which are used as raw materials in the domestic refineries and to export as a source of foreign exchange. Fuel refinery is among others consists of premium, kerosene, diesel oil (ADO), diesel oil and fuel oil are used to meet energy needs in the sector of electricity generation, transport, industry and households. The use of fossil fuels (fossil fuel) is still very large in Indonesia, but its availability is slowly diminishing, non-renewable, and requires a very long time to be produced. To reduce this dependence, then http://www.creditsguru.com/  is the development of environmentally friendly alternative fuels such as biodiesel. The use of biodiesel as a renewable energy source which can be one option to help handle the pressure of rising demand, especially diesel or diesel oil in Indonesia.

Biodiesel is defined as the esters of fatty acids of vegetable oils and animal oils. Biodiesel is an alternative fuel that is very potential to be developed derived from plant oils, animal fats or waste oil through a process of transesterification with alcohol. Biodiesel is a fuel future that will replace fossil fuels depleting future. Biodiesel is believed to be more environmentally friendly than conventional fossil-fuel. Biodiesel provides less pollution than petroleum-based fuels, other than that biodiesel can be used without modification of the diesel engine (Zhang et al., 2003).

Development of biodiesel as a renewable fuel based on vegetable oils is a positive thing, because the situation of the production-consumption of crude oil and diesel fuel has reached alarming levels, while domestic potential diversity of biological resources are very abundant. Therefore, biodiesel has a huge business potential today and in the future. Raw material for making biodiesel typically derived from vegetable oil raw materials of agricultural products. As an example:

The United States uses soybean oil / soybean oil, Spanish olive oil / olive oil, Italian with sunflower oil / sunflower oil, Mali and South Africa using jatropha oil, coconut oil Philippines, Malaysian palm oil / palm oil. In Indonesia has been developed biodiesel from raw material jatropha oil, palm oil, peanut oil and waste cooking oil / used frying oil. The level of cooking oil consumption in Indonesia is very high illustrate the great potential for the use of used cooking oil.

In addition to some of the material above was been investigated also use bran crude oil as raw material for biodiesel production. Bran is a byproduct of milling grain into rice. Based on research, the rice milling process only produces 55 percent of the whole rice grains. This means that, there are many other waste materials, other than rice such as rice broken 15 per cent, 20 per cent of skin and fine bran and bran 10 percent. Rice bran oil contains fatty acids, biologically active compounds and antioxidant compounds (oryzanol, tocopherols, tocotrienols, phytosterols, polyphenols and squalene), which until now has not been widely used. The use of lower-priced crude oil nonedible with utilization of by-products is expected to reduce production costs to … READ MORE

Help! No Cash to Cover College Expenses

The average cost of tuition in the US for private institutions is $33,480 and $9,650 for community colleges. As large as these numbers are, you’d assume that it includes the cost of everything you’ll need to successfully complete school. Yet the truth is, this does not cover all of your expenses. Food, fuel, books, supplies, and cost of living expenses will ultimately come out of your pocket. When you’re a student on a fixed budget, affording these things can be challenging.

The good news… there are options available that won’t require you to tack onto your student loan debt. Check out some of these nifty solutions below:

  • Short Term Loan – If you have verifiable income, have a checking account, and need some extra cash for supplies, lab fees, or books, your best bet is to apply for a short term loan. They are a lot easier to qualify for than bank loans in that you don’t need a high credit score or collateral, and you can generally receive funds in a few days. Online installment loans, for instance, allow you to get as much as $1250 and repay it in smaller installments so that you can stick to your budget.
  • Couponing – If you’ve never embraced couponing before, now is the time to do so. While one coupon for $0.50 off might not seem like much savings, when you combine them with other coupons and sales items, the savings can really add up. Also, many stores offer double and triple coupon offers allowing you to maximize your savings potential. Coupons can be used for discounts on food, entertainment, and living necessities.
  • Carpool – Commuting daily to campus, depending on where you live in proximity to the college can get expensive. Rather than burn up your budget by constantly refueling, you should think about carpooling with other students. Carpooling cuts the cost of commuting and can also help you to develop new friendships with fellow classmates.
  • Roommates – For college students that don’t live on campus, but choose to move out of mom and dad’s house, the cost of living expenses are even more. Rent and utilities alone could be enough to ruin a budget. If you’re having trouble footing the bills on your own, you can look for a roommate to help cut the costs. While a roommate can relieve the financial stress of living on your own, be sure that you select a roommate who will be financially responsible or else you could find yourself in more debt.
  • Used or Photocopied Books – Books are often excluded from tuition costs. One textbook or eBook could cost you several hundred dollars. Instead of investing in a new book that you’re only going to use for a semester, you should look for used books or see if you can copy someone else’s book. Used books are advertised for a fraction of the costs so ask students who have been in this class if they’re looking to sell their book.

3 Things to Remember When Negotiating an Office Lease

If you are a young business just starting out in the world, there are lots of things to keep you busy. Launching a company is like assembling a vast jigsaw puzzle. You might have a good idea of what the finished product will look like, but how you get there is up for debate.

Nevertheless, with so many entrepreneurs clamouring for their shot at the market, making the right moves is essential. One of the first things to do is find yourself a suitable home; a comfortable, accessible base from which to run your burgeoning empire.

This guide to negotiating your first office lease will give you some tips and advice on the best ways to do it.

Keep Your Options Open

The big mistake that many new ventures make is to assume that there’s only one way to launch. It is simply not the case. There are all kinds of different offices and rental spaces available in the big international cities. In Malaysia, which has become a fintech haven over the last five years, serviced offices are growing in popularity.

Visit www.servcorp.com.my/en/ to check out some of the facilities available in Kuala Lumpur. Serviced providers differ from traditional landlords because they deal in flexible, short-term contracts. Plus, the workspaces can be hired fully furnished. You just need to help the team move in and get settled. Utility and maintenance costs are covered in the fee.

Think in Terms, Not Rates

Price is, of course, crucial, but it can distract new businesses from what really matters, which is the conditions of the agreement. Some landlords offer unbeatable rates, and they are snapped up by eager entrepreneurs who later realise that they are stuck in a long lease with no room for growth. Don’t let this happen to you.

Consider the rate but in accordance with the bindings of the contract. Alternatively, alternatively, pick an office solution which doesn’t trap you in a long term commitment. Most serviced facilities are renewed on a rolling month to month basis. You get the security of a high-quality workspace for as long as you want it, but you also have the freedom to terminate at any time.

Get the Amenities Locked Down

Don’t sign any agreements or rolling terms until you are sure what is included in the premium. If you rent a serviced space, this can end up being quite a lot, so it is best to keep track of what you will and will not receive for your cash. For instance, most serviced workspaces offer utility costs, maintenance, back office support, and furniture as part of the package.

In many cases, you also have the freedom to opt for an unfurnished office if you want to put your stamp on it. Fully equipped, furnished suites are a real lifesaver for smaller companies trying to expand into new markets. If you were planning a launch in Malaysia, say, there wouldn’t have to be any downtime between landing and launch.

How to Find READ MORE


We all want to make easy money. We like fast cash and all of us wouldn’t hesitate to learn on how to make fast cash. Games such as Grand Theft Auto 5 have many players who pay large amounts of cash just to get high scores. This is can be a quick way to make cash especially if you are a single calling thief. This can increase your chances of getting money through web daily technology. Another way is by selling your goods through the internet. The internet has millions of followers who will see these staff and support you by buying them.

The internet has been a breakthrough for many successful people out there. You can also choose to invest your cash in low cost stock shares and then sell them at a greater price. This will in return give you benefits and profits compared to other people. You can choose more than one firm if you want to get fast and much more money. This will accelerate your flow of cash after selling them. So, try out doing soon and you’ll see how much money you’ll make within a short period of time.

You tube is another way which can greatly increase your income. For an aspiring blogger, you may want to use this form. You can create a big following first before posting in order for many people to pay before having to view your blog. You have to write something very interesting which is mind blowing so that your following keeps on growing bigger. Interesting stories always attract people. By writing many blogs in a week, the more chances of making much money you get. You can choose to market many other things through different ways.

As long as people already know who you are, they will definitely want to buy the staff you’re offering. This will eventually pave way for you to market anything you want. What are you waiting for? Try this and see how much money you make within a week. You can learn more about this and many more on JR Cigar.… READ MORE

Comics online as source of income: the case study IronClawed

As you know in the last decades comics have become more and more popular thanks to the massive movie transpositions of the most famous comics, creating an interesting market in the enteirtanment business.

Many don’t knows that now comics can be found on-line and not only in comics stores like in the past; this new way of propagation allows a huge, world-wide, distribution of self-made comics.

In the web there are a lots of comics blog where people can directly promote their stories, creating a brand new business that can lead them to increase their earings by selling their artwork without the need of a publisher and avoiding the costs of printing and distribution of the comic books; some artist even created a real market by selling, many gadget related to their comics, just like big companies do, this way the readers can directly support their favourite artist.

An interesting example is the blog ironclawed.com were the young artist Ivan Jurkovic posted his comics Iron Clawed; there you can find an archives of the comic chapters and some interesting information about the comic’s backstory, all just a click away, without the need to wait for a montly trip to a comics shop.

The stoty takes place in a parallel universe where World war II never ended and people, with green or orange skin, fight in the army of the Allies (Russia, America and the UK) against the machine-looking army of the Fourth Reich.

The main characters are the Croatian pilot Ivan and his friends Spiro and Nicola, while the villain is the Führer Kragen who wants to exterminate the human race with the help of Professor Fraz and his tech weapons.
Thoose fantastic weapons are described in the Armory page of the blog where most curious readers can learn about the strengths of the army and their tanks, aircrafts and other weapons.

To ensure the audience’s sactisfactions the author is very active on his Facebook social page wher he can interact with his more that 10.000 followers.


Considerations when buying a home in Australia as a couple

In Australia, as with most other countries, the law has different rules for married and unmarried couples who want to purchase a property. There are legislations and courts that are set up to deal with marital assets, but if you’re unmarried, the situation can turn into a very difficult experience. This is why it’s important to set up ground rules before getting a home mortgage loan and officially living in a home together.

Acquire a co-purchase agreement. This may sound overly legalistic, but asking your partner to sign a formal written document will lead to better situations later on. A co-purchase agreement works to protect the both of you by formalising each person’s rights and responsibilities. It also serves as a dispute resolutions mechanism and exit strategy in relation to the purchase.

The co-purchase agreement also covers things like who will pay the utilities, what will happen if the relationship ceases, who will reside in the house, and in what way can the other benefit from selling his or her share.

You may also enlist a legal advisor’s help to ensure that your personal rights are protected. A signed contract is, after all, your ultimate legal protection as an unmarried couple. If you decide to get married in the future, your agreement can always be revised to include a sunset date. Win-win.

Understand joint and several liabilities. When you purchase a property, you are most likely also taking out a home mortgage loan together, right? Take note that most home loan agreement has a clause that will make both of you jointly and severally liable to pay the mortgage in full, plus and other costs or interest. This means that the bank will come after the two of you for the whole loan amount (and even more) if your partner refuses to pay.

To protect yourself against this financial exposure, one good step is to consult with your lawyer about warranties and indemnities that can be included in your co-purchase agreement. You may also take with your bank to see if the liability under the loan as a co-borrower can be reduced. Moreover, see if you can finance the purchase separately as tenants in common rather than joint tenants.

Tenants and common. When purchasing a home, the title can be placed in your names either as joint tenants or tenants in common. Most married couples opt for joint tenancy because it gives them the right to survivorship, wherein if the other dies, the whole property automatically transfers to your name. However, it also makes it very hard to divide or sell a share of the property because you both effectively own the entire property.

A tenant in common arrangement makes it very easy to divide or sell your share of the property. This is handy if the relationship turns sour and you want to move out from the property. You can always change the title to a joint tenancy later if you want.

End Note

Purchasing a property as a … READ MORE