Debt Declaration – Bad Credit Help & advice, Debt Settlement Tips

Benefits of Accepting Credit Cards

February 20, 2012 by · Leave a Comment 

If you are an online trader, accepting credit card payments is not a luxury but a necessity. This means online credit card acceptance is mandatory for anyone looking to make meaningful revenues online. The other methods of payments are just too slow and inconvenient for business. Credit card payments make your business truly global. With a good merchant service, you can sell to almost anyone, anywhere on the global. This translates to more revenues and hence profits. Amazon is a good example of what you can achieve in this way.

For those operating a brick and mortar store, credit cards is also a necessity. With a few equipment and the right merchant services, you can also take payments from credit cards. A wireless credit card terminal, a point of sale machine and the right software are all you need. For a physical store, sales also improve as many customers who come in often do not have enough cash. This makes your store popular with those who prefer to carry plastic money. It is also safer as in the case of a holdup there is less cash to be carried away.

Getting a good merchant is what will make or break your credit cards acceptance. A good merchant gives you total services from verification, connectivity, to transfer of funds.  The choice of a merchant should be made carefully. Security should be a concern as money is involved and many people would want a share of it illegally. Also ask for a bonus for using his services. Like a free credit card machine.

How European debt crisis could affect you

February 16, 2012 by · Leave a Comment 

We’ve been hearing enormous economic problems with Greece, Ireland and Portugal for quite some time now. Eurozone is dealing with Greece’s debt by extending bailouts at enormous cost to member nations.

U.S. banks are heavily invested in Eurozone and other European countries. Great Britain accounts for about $700 billion of U.S. bank investments while $300 billion invested in France and Germany, $50 billion each in Italy and Spain. The Bank of America has a $16.7 billion exposure to Greece, Portugal, Ireland, Italy and Spain. These five countries are the most talked about risk of loan defaults. Other major financial institutions that are exposed to Europe or Eurozone debt include Citigroup, JPMorgan Chase, Wells Fargo, Goldman Sachs and Morgan Stanley. In order to accommodate for anticipated European debt default, banks and financial institutions could further tighten credit to U.S. customers.

If you have a 401(k) plan or if you an individual investor with an exposure to financial sector, you are in for a substantial cut if any of the Eurozone or European country default on their loans.

Eurozone and European debt crisis is sending the U.S. stock market on a rollercoaster ride. This affects all our retirement as well as non-retirement investments.

How to Stage Your Home to Sell

February 14, 2012 by · Leave a Comment 

First impressions are a powerful thing when it comes to selling your home. Staging your house is an effective way of making the most of its best assets. The following tips can help you learn how to stage your home to sell for the highest value possible.

Painting living spaces in fresh neutral tones is one of the cheapest ways you can make a real improvement to your home’s selling ability. Bold, old fashioned paint colors can be a major turn off for buyers, who find it hard to see past an outdated over-personal design. Warm tan, pale yellow and olive tones are all an understated modern take on neutral beige.  A tip nearly all realtors will give you is to de-clutter as much as possible. Anything you do not need should be stored in either the attic or a hired storage space. Remove all but a few simple ornaments from surfaces and thin out overcrowded shelves. An uncluttered home looks far more spacious and gives the impression that there is room to spare.

Take care of any minor repair projects. Little problems with the house might not be too difficult to fix, but those viewing it could think that they are a sign of deeper troubles. A good start is to replace any cracked tiles, fix wonky steps, and mend dripping taps.  Make sure the front of the building is neat and tidy. It is the first thing a viewer sees, so it is extremely important that it is a positive sign of things to come.

Do not neglect your garden. A house could be amazing, but if the backyard is an overgrown mess, the thought of tackling it can scare buyers away. A garden does not need to be professionally landscaped, but a good clear out, a mowed lawn, and a couple attractive plant pots can work wonders. Learning how to stage your home to sell well can give a high return on your effort. Relatively cheap things can add a lot of value, especially if you learn to look at your house objectively as a buyer would see it.