holiday marketing tipsWith the holiday season is in full swing you might as well take your marketing gimmicks several notches higher in order to lure more consumers. Make sure that in all this rush, you are not missing out on a string of unique marketing ideas that are easy on your pocket book and guarantee desired returns as well. Read on to learn more.

Business Greeting Cards

Sending out business holiday ecards is a time-honored tradition in the corporate world. For years, businesses have relied on these cards to connect with consumers on an emotional level. No amount of impressive holiday discounts can promise this (i.e. strengthening the emotional relations between you and your clients) for you! There lies the eternal uniqueness of this long drawn tradition. Besides personalizing your cards with custom messages and designs, make sure that you are mentioning your business offer at the back of the card. Include your company link and logo as well.

Get your uniqueness several notches higher by attaching a “Thank You” note to the card— signed by all your staff members! Make sure the message here is composed by you as well— no picking up stock messages from the internet!
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wise ways to use your credit cardMaking smart decisions about using credit cards is of utmost importance when it is vital to avoid credit card debt. A credit card is a highly convenient tool that can be used in order to buy things without using cash. But if a credit card user misuses these convenient financial tools, they soon become nasty little debt generators. Credit card debt is already a big disaster that is taking control over all Americans, especially the young adults and the senior generation. In order to use your credit card in a smart manner, you will have to do some rethinking about your spending habits.

Are you aware of the things that you have to pay with your credit card? Remember that everything shouldn’t be bought with credit cards as this is the main reason behind accumulating debt by the users. Analyzing expenditure and coming up with a plan will always help you benefit from credit cards without accumulating debt. The concerns of this article will deal with the ways in which you can use credit cards without accumulating debt. If you wish to be a smart credit card user, here are some tips that you may follow.
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business and creditBusinesses are much like individuals. Sometimes they wade into financial waters that are uncertain. They take risks that don’t pay off. In the end, a business might emerge with a bad credit rating and face disaster. Fortunately there are credit account providers out there who are willing to step in and help businesses get back on their feet, too.

A high risk merchant account gives businesses the second chance they need to more responsibly share their business goals with the population. These merchant accounts are for all walks of high risk businesses. Offshore accounts, bad credit owners, and high-volume industries can turn to high risk accounts for relief. In today’s world, it’s essential to accept credit cards. Many customers refuse to pay with cash or simply find it more convenient to pay with credit cards or debit cards. For owners with online stores, business isn’t even possible without a merchant account.

Signing up for a high-risk merchant account is easy to do. Simply apply. Due to the urgent nature of such a request, reliable, reputable providers will generally approve your account in as little as 48 hours. This expedited merchant account service helps thousands of businesses stay afloat when their credit rating or other high-risk marker prevents them from establishing a merchant account elsewhere.
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How Can You Save Money On Used Cars

by Guest on December 4, 2014

buy a used carBuying a new car will cost you a lot and this is why many people are now opting for the used vehicles in their purchase decision. Used cars that are in good condition can perform well and give you the service you need in your travel needs. There are different types of used cars you can get from Ideal Auto USA, which match your budget, the model and make you want, as well as the range of mileage. One important aspect you would want to check is the mileage covered by the vehicle and its present condition.

Because dealers are able to recondition vehicles before they sell them, the mileage might not show the exact condition of the car. There are different ways you can save when you purchase used cars and they include:

Buying a car that is about 3 years old

One good strategy you can use to maximize savings when you buy a vehicle is to purchase one that is 3 to 4 years old. This car has seen use for a shorter period and in most cases, it is still in good condition. You can also consider buying extended warranty to help you reduce future repair expenses.
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open an RESP to save for your kids' educationInvesting in quality education will set you up for success in all areas of your life. However, it’s often difficult to find an educational program that doesn’t set you back in debt. Going to college online is the perfect way to fit college into your life–without the debt.

The Financial Strain of Traditional College

It’s often assumed that putting out the money at the start of a career to bolster yourself with a college degree is the ticket to earning big down the road. Many back up the high cost of tuition by considering a college education the only way to get hired for high paying jobs. It’s worth the investment now, people think, because you’ll earn back everything you pay up front.

However, costs of college tuition are skyrocketing. While in the past people thought that you earned your college degree to allow you to earn more money throughout your career, that’s simply no longer the case. Your college degree may not land you a job that pays back the costs–instead, you could very easily get stuck with tons of debt. New York’s Federal Reserve Bank estimates that outstanding student loan debt nationwide is at $902 billion.

Benefits for Older Learners

Going to college online comes with a lot of financial benefits. Without paying astronomically high tuition prices, you’ll get the same knowledge students at traditional college campuses gain. This is especially beneficial when it comes to older workers and learners.
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managing your personal financesIt seems that every day, there is a new article on debt. For instance, there are published reports which indicate that America is currently in $2.4 trillion of consumer debt, 1 in 10 consumers have more than 10 credit cards, and the average household debt is around $10,000. When you take all of this information into account, you can see why it’s so important to do all that you can to keep your personal finances in order.

If you’d like a few tips on things that you can do to become or stay financially responsible, here are five proven tips:

Create a budget. One of the best ways to avoid overspending is to have a monthly budget put into place. That way, you are clear on how much money you have to spend beforehand. If you’ve never created a budget before and you’d like a few tips on how to make the kind that will keep you financially responsible and out of debt, visit Money Counts and put “create a budget you can stick with” in the search field.

Avoid credit card debt. There’s nothing wrong with having a credit card. In fact, if you use it wisely, it can boost your credit score. The thing to keep in mind when it comes to credit cards is if you rely on them for most of your purchases, you will end up with interest rates and other financial fees that could cause problems down the road. For this reason, try and make it a practice to use cash or your debit card as much as possible. And when you do charge something, pay off your balance, in full, the following month.
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5 Helpful Tips To Curb Your Holiday Spending

by Leon on November 28, 2014

Christmas shopping can get really expensive.The holidays are known as the most wonderful time of the year, and the fact that you get to enjoy quality time with family members and friends, some of whom you don’t get to see throughout the rest of the year, supports this idea. But the decorations, feasts, and gifts that punctuate the season of giving can quickly leave you digging your way out of debt if you’re not careful. And it’s not uncommon for people to get swept up in the spirit of the season and wind up spending far more than they planned or budgeted for. That said, this could be the year that you reach January first without having to resolve to cut up your credit cards, pay down debt, and start saving for next year’s holiday season. Here are just a few helpful tips that could keep you on track for smart spending habits.

Set a budget. The best place to start if you don’t want to overspend is by setting a budget for your holiday shopping. This should include allocating funds related to what you plan to spend on all of your holiday needs, including travel expenses, decorations, food, and gifts. Of course, the area you’re most likely overspend is on gifts, so you need to be particularly careful about figuring out who you want to purchase gifts for and how much you plan to spend on each person. This pre-planning will help you to control your spending and stick to your budget so that you don’t wind up going into debt on behalf of your loved ones. They wouldn’t want you to suffer just so they can get pricier gifts.

Cut your gift list. It’s tempting to get gifts for all of the people who touch your life, from your immediate family, to close friends, to coworkers, to your hair stylist and the barista who serves you coffee every morning. But if you’re working with limited funds, you need to cut to the chaff. Think about the people who really matter to you and take everyone else off your gift list. Or give additional gift recipients something inexpensive like homemade cookies.
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