... * Purchase Power and Ease of Purchase - Credit cards can make it easier to buy things. If you don't like to carry large amounts of cash with you or if a company doesn't accept cash purchases (for example most airlines, hotels, and car rental agencies), putting purchases on a credit card can make buying things easier. * Protection of Purchases - Credit cards may also offer you additional protection if something you have bought is lost, damaged, or stolen. Both your credit card statement (and the credit card company) can vouch for the fact that you have made a purchase if the original receipt is lost or stolen. In addition, some credit card companies offer insurance on large purchases. * Building a Credit Line - Having a good credit history is often important, not only when applying for credit cards, but also when applying for things such as loans, rental applications, or even some jobs. Having a credit card and using it wisely (making payments on time and in full each month) will help you build a good credit history. * Emergencies - Credit cards can also be useful in times of emergency. While you should avoid spending outside your budget (or money you don't have!), sometimes emergencies (such as your car breaking down or flood or fire) may lead to a large purchase (like the need for a rental car or a motel room for several nights.) * Credit Card Benefits - In addition to the benefits listed above, some credit cards offer additional benefits, such as discounts...
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...DIRECTORY BUSINESS CREDIT RESOURCE DIRECTORY - MONICA MAIN BUSINESS CREDIT RESOURCE DIRECTORY When I started off getting business credit for my business I had very poor personal credit. I have sources listed below for those who have good personal credit and those who do not. Please note: You cannot begin the process of applying for business credit without an EIN (employer identification number) and a DNB (Dun and Bradstreet) number. It is recommended that you FIRST establish at least 3 "small" trade accounts before signing up with a DNB package! When I first got started building business credit, I used the creditors that are highlighted below. By using only those creditors I was able to build stellar business credit inside of 4 months. No, you don't need good personal credit to build business credit but it certainly doesn't hurt if you do have good personal credit. Finally, even though it's important to build solid business credit, I strongly recommend that you begin building strong personal credit as well. It's nice to have a double arsenal of both good personal and business credit. When I say "pros" I mean that it is what makes it easier to get business credit from the creditor. When I say "cons" it doesn't necessarily mean that it's a "con" but rather they are extra steps/requirements needed to get the business credit. Here are the resources: 1) Advanta Business Credit Card - www.advanta.com Pros: Outstanding balance does not appear on personal credit reports Cons: Requires...
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...PayPal Payments Pro Integration Guide Last updated: December 2012 PayPal Payments Pro Integration Guide Document Number: 100001.en_US-201212 © 2010-2011 PayPal, Inc. All rights reserved. PayPal is a registered trademark of PayPal, Inc. The PayPal logo is a trademark of PayPal, Inc. Other trademarks and brands are the property of their respective owners. The information in this document belongs to PayPal, Inc. It may not be used, reproduced or disclosed without the written approval of PayPal, Inc. Copyright © PayPal. All rights reserved. PayPal S.à r.l. et Cie, S.C.A., Société en Commandite par Actions. Registered office: 22-24 Boulevard Royal, L2449, Luxembourg, R.C.S. Luxembourg B 118 349 Consumer advisory: The PayPal™ payment service is regarded as a stored value facility under Singapore law. As such, it does not require the approval of the Monetary Authority of Singapore. You are advised to read the terms and conditions carefully. Notice of non-liability: PayPal, Inc. is providing the information in this document to you “AS-IS” with all faults. PayPal, Inc. makes no warranties of any kind (whether express, implied or statutory) with respect to the information contained herein. PayPal, Inc. assumes no liability for damages (whether direct or indirect), caused by errors or omissions, or resulting from the use of this document or the information contained in this document or resulting from the application or use of the product or service described herein. PayPal, Inc...
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...shipped accurately and updated daily. RFID makes counting inventory less expensive because extra cost for inventory labor is eliminated. This system is beneficial because inventory is more accurate and reordering products and supplies are easier to perform. The cost of changing the current system of barcodes to RFID will save money with its accuracy of inventory, reordering items, and theft reduction. The second wireless technology is the installation of Electronic Credit Card Processing. This system requires the installation of computer software called Virtual Terminal that sends credit card information to merchants for processing. Paper Plates Internet website allows customers to browse products but not purchase online. Electronic Credit Card Processing allows customers to place orders and pay online. This technology will increase the number of sales from the website. Although the two wireless technologies are beneficial, there are pros and cons for incorporating each. RFID (Radio Frequency Identification) Pros The system allows scanners to communicate with tags, eliminating the checking and scanning of incoming inventory. The system tracks inventories incoming and distribution, and inventory shrinkage occurring during shipping. The system assists in better forecasting, giving...
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... Truth and Validity Exercise Does the credit card habit create or promote carless spending or particularly among you adults? The question remains should credit card companies issue credit cards to young adults under twenty-one years of age .Do young adults see this as free money or as a chance to establish good credit that can help them in future investments .If carless spending takes place this can hurt young adults for years to come were many don’t recover for years. What can be done to help young adults from falling down the wrong path and make the correct decision? I once was a young adult with tons of credit card offers. Yes I saw it as free money I was never brought up the importance of credit and many of today young Americans. This argument could be considered as valid when viewed in the context of being a deductive argument. A deductive argument is said to be valid. We know that the credit card habit promotes careless spending because research indicates that credit cards have an unconscious confusing characteristic. The idea is to stay within a budget using a credit card, which , in order to do you have to remember the prices for each item you buy and keep track of how those prices relate to your overall budget. (White, Sept) A mature person is self-directing, so parents who make all their children’s decisions for them usually show the kids of not having responsibility. The pros and cons of owning a credit card can be good and bad .It can either set you up in...
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...Electric/Gas bill - $131.75 Cell phone bill - $72.37 Student Loan - $5,000 Rent - $750.00 Credit Card Balance - $1379.90 Cable/Internet/Phone bill - $80.92 Credit Card - $31.00 Assessment A, Part 3: Identify Money Management Tool Explain to Monica how you identified the different money management tools and why you chose Money Pro. I chose Money Pro because it is very user friendly. Then any other software out in the market… the main Money pro is easy to use, and easy to use their user friendly wizard.. Assessment A, Part 4: Creating a Personal Financial Statement - Steps Drag the steps listed on the right into their correct sequences on the left. Step 1: I got all my financial stuff together - bills, loans, bank statement, etc. Step 2: I balanced my checkbook. Step 3: I decided what were assets and what were debts. Step 4: I entered the assets into the program. Step 5: I entered the debts into the program. Step 6: The program gave me a Net worth figure at the end. Assessment B: Creating a Monthly Cash Flow Statement For each item listed, decide whether or not it is a fixed or a variable expenditure. Groceries: variable Gas: variable Phone bill: fixed Entertainment: variable Haircuts: variable Cable bill: fixed Electric bill: fixed Coffees: variable Student loan payment: fixed Credit card bill: fixed Rent:...
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...Problem Statement Six years after the successful implementation of Alpen Bank in Romania in the years 2000, Gregory Carle the country manager is wondering whether Alpen Bank should consider launching a credit card in the market. In order for the launch to be profitable several points have to be clarified such as who would the company target, what would be the positioning of this new card and how should it be marketed. Situation Analysis Context: After a period of recession, the economy in Romania is on a rising trend. The total disposable income of the population has increased and the middle- and upper- middle class is developing as their income is increasing. Consumers: A consumer survey indicates a clear change in the Romanian’s behavior; they are getting more interested in luxury goods and in products coming from the EU. Also, a strong increase of total cards on the market of 35% indicated that consumers are getting more likely to use cards rather than cash. This trend is supported by the fast development of the infrastructure required for a payment system. Even though for now cards are mostly debit ones and used to withdraw cash, as the country economy is growing and the behavior of consumers changing it is very likely that credit cards have their place on the Romanian market. Another important data to consider is the income distribution in Romania which is very unequal as only 10% of the population holds 24% of the wealth. Competitors: The competitors of Alpen bank...
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...DOMESTIC RELATIONS INFORMATION SHEET THIS SECTION FOR OFFICAL USE ONLY Case number: ________________ Assigned judge: ______________________ The following information is required by New Mexico law and federal law for child support enforcement. The information also is needed to identify and keep up with your case. If child support is not paid, this information will help the court get the money for your child(ren). [pic] Information regarding petitioner and respondent. Petitioner Respondent Name: Chappelle, Annette K. Name: Chappelle, George T., Jr. Other names: Couchman (maiden) Other names: Address: 5580 Bataan Memorial E. #117 Address: 601 W. Delaware St. City: Las Cruces City: Cleveland State: New Mexico State: Oklahoma Zip code: 88011 Zip code: 74020 Phone number: (575) 644-6041 Phone number: (918) 605-9885 Date of birth: 04-02-1959 Date of birth: 08-29-1964 Social Security number: 500-54-4807 Social Security number: 491-06-3678 Parties’ minor children. N/A - No minor children Name: __________________________ Name: __________________________ Date of birth: _____________________ Date of birth: _____________________ Social Security number: ____________ Social Security number: ____________ Name: __________________________ Name: __________________________ Date of birth: _____________________ Date of birth: _____________________ Social Security number: ____________ Social Security number: ____________ Has...
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...Starbucks Card 1. What types of research were done at each stage? Discuss the strengths of each different type given the stage of the project. Starbucks used the scientific method which consists of three different studies based on product functionality, product optimization, and brand tracking. The scientific method used to gather information about the target markets that they had or trying to approach. The product functionality study was carried out at the concept testing stage of the research, through the use of an online survey. The purpose was to understand which of the two credit card concepts customers preferred of the dual-function or two separate cards. This would determine if the product would or would not function as Starbucks desired, the findings of this study would be pertinent information to assist Starbucks and its affiliates in determining the strengths and/or weaknesses of the study’s design. The study of product optimization was used to see the concept stages of research. Starbucks used this study to see if certain features from the dual action card would determine if customer’s decision to apply for a credit card. The brand tracking was used to measure the return on the marketing investments based on the feedback after they launched the card. 2. Build the management-research question hierarchy for this project. The first question Starbucks had to answer was whether or not they would be able to provide a dual-functionality credit card in an already credit card...
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...All of finweb.com ------------------------------------------------- Top of Form Bottom of Form * Mortgage * Loans * Banking & Credit * Investing * Retirement * Insurance * Taxes * Financial Planning * Real Estate * Finance Directory home → Banking & Credit → Banking & Credit 101 → 4 Types Of Bank Accounts Explained Subscribe to news about Banking & Credit 4 Types Of Bank Accounts Explained Share comments There are many types of bank accounts for consumers to choose from and each will be able to provide benefits for his or her circumstances. Ads by Google Open A Demat Account Get a Demat, Savings, Trading & MF All-in-1 Kotak Account. Sign Up! www. KotakSecurities. com Checking Account A checking account offers a quick and convenient way for people to access their money as often as they need. You cannot earn interest with most checking accounts, however. Savings Account A savings account offers a simple, hassle-free way to save money. Banks usually set a minimum balance to open and/or maintain these types of bank accounts. The benefit of a savings account over a checking account is that money in the account accrues interest. The downside is that the number of allowable transfers or withdrawals is limited. Money Market Account A money market account combines the benefits of a checking account and a savings account. You can withdraw funds from the account, and you benefit from a high interest...
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...Title |Understanding Effective Money Management | | |Assessment A, Part 1: Creating a Personal Financial Statement - Assests | |Drag your assets from the notebook to the screen. | | | |Car - Bluebook value $1250.00 | | | |Cash - $378.00 | | | |Savings account - $826.00 | | | |Assessment A, Part 2: Creating a Personal Financial Statement - Debts | |Drag your debts from the notebook to the screen. | | ...
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...Electric/Gas bill - $131.75 Cable/Internet/Phone bill - $80.92 Rent - $750.00 Credit Card Balance - $1379.90 Student Loan - $5,000 Cell phone bill - $72.37 Credit Card - $31.00 Assessment A, Part 3: Identify Money Management Tool Explain to Monica how you identified the different money management tools and why you chose Money Pro. I have chosen Money Pro. I has all the options I need to succeed in managing my money like being user friendly. Assessment A, Part 4: Creating a Personal Financial Statement - Steps Drag the steps listed on the right into their correct sequences on the left. Step 1: I got all my financial stuff together - bills, loans, bank statement, etc. Step 2: I balanced my checkbook. Step 3: I decided what were assets and what were debts. Step 4: I entered the assets into the program. Step 5: I entered the debts into the program. Step 6: The program gave me a Net worth figure at the end. Assessment B: Creating a Monthly Cash Flow Statement For each item listed, decide whether or not it is a fixed or a variable expenditure. Groceries: variable Rent: fixed Entertainment: variable Gas: variable Student loan payment: fixed Cable bill: fixed Electric bill: fixed Coffees: variable Phone bill: fixed Credit card bill: fixed Haircuts:...
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...PRINT LIMIT PRO MANUAL This guide will help to set new Print-Limit Pro Account and apply credit on it. To create an account there are few steps which you have to follow: PLEASE RETURN THIS MANUAL TO RECEPTION AFTER USE. THANK YOU. You will see below screen when you start using computer. Which shows login window and balance for your account which you have previously created, after you login to you account. 1 STEP: 1 Type your username and password for Print Limit Pro if you have one; otherwise go to Step-2 to register one. Click on Print-Limit Pro icon down right corner of the screen to open window if not available. Window will appear on right up corner on the screen. To create an account click on details. Balance for your account will appear here. Type your username and password if you have one. Click on this icon if Print-Limit pro window is not available on top right corner. 2 STEP: 2 Click on Register as a New User to create print account. Or STEP: 3 Type username and password that you have previously created. Click here to Register as a new User. 3 STEP: 2a Fill the fields with your information and then click Register bottom. Complete the form and Press Register bottom. 4 STEP: 3A After login in to your account you can see balance and your print history. On the left side you can see Redeem card link. Click in the Redeem card link 5 STEP: 3B To recharge your account type your card number that you have purchased...
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...the owner about the hardware and software being used by his business. There is a workstation set up in the office for the owner and manager use. The hardware of the workstation includes; the system unit, 18.5” flat screen monitor, keyboard, mouse, and printer. The two POS/Cash Registers each have a 15” monitor, compact keyboard and mouse, cash drawer, receipt printer, customer display, and credit/debit card reader. The software used in the office includes Intuit QuickBooks Pro, QuickBooks Basic Payroll, Roadrunner High Speed Internet, and Microsoft Office 2007. QuickBooks Pro is used to manage the finances of the cleaners; it is used in conjunction with QuickBooks Basic Payroll. QuickBooks Basic Payroll calculates employee’s paychecks and calculates taxes making payroll quick and simple for the owner and manager. Roadrunner is used to place and track orders sent to distributors over the internet. Cash register express software by pcAmerica is used on the cash registers. This software allows custom pricing, process credit/debit cards, customer loyalty plan and gift card processing, and employee time clock. Microsoft Excel spreadsheets keep track of all customers, inventory, and invoices. The spreadsheets are updated once a week, either by the manager or owner. Microsoft Word is mainly used to type memos to the employees. Paul Reid has successfully operated the cleaners for 5 years, with plans of opening a second location. The current manager will operate...
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... Online Payment System Integration Plan The first payment system that we will discuss is cash since it is still the most accepted form of payment on the planet and it has also been around for thousands of years, in one form or another. The obvious problem with cash – in regards to e-commerce, at least – is that it requires physical interaction between the buyer and seller (e.g. close proximity). This, of course, is counter-intuitive to the basic concept of global e-commerce transactions. As a result, it will not be a feasible payment solution for the e-commerce aspects of RetailCo’s business strategy. The next payment option that we will discuss is PayPal, which I believe could be an option for RetailCo as long as you understand the pros and cons of their service. First off, what is PayPal? It is a checking transfer service that allows its members to “e-mail” money to each other once they have established and/or setup an account with them. First, the cons – possible stigma and/or negative perception of your e-commerce site due to its association with PayPal. This is generally attributed to the historical path that PayPal has taken...
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