Archive for business card

Business Credit Card Offers – Things To Consider

admin / July 28, 2011 / No comments

Business Credit Card Offers – Things To Consider

Sometimes it is overwhelming to calculate business expenses, especially if you are a new business owner. But today’s business owners know that there are convenient and flexible approaches in dealing with their expenses, and one of these modern approaches is through business credit cards.

You will be able to save time in tracking your expenses, such as necessary purchases for your company, with the use of these cards. However, prior to your credit card application, you need to consider a number of factors that will help your company over time. Credit card offers are just among the many enticing techniques that most card companies use.

Business credit card offers generally vary from one credit card provider to another. And like other services, you need to know if there is any catch. Numerous business credit card offers include rewards of various types such as gasoline rewards, frequent flier miles, purchase points, loanable credits, fixed-rate cash credits and others. It is possible that these rewards may have hidden charges or fees connected to the interest rate. So be very mindful of rewards offers and always read their terms and conditions.

One other factor to consider is your business’ specific needs. With many business credit card offers, you should look for one or a few that will complement your business. It is possible to get multiple offers from only one card, so it’s best to stick to only one credit card for easier management of payables.

Offers such as credit transfers can be enticing, so many business owners fall for this trick of changing one credit card to another. However, you need to consider the terms as well as any finance charges that go with the credit transfer facility. Some cards may require you to pay up some fees as well as add up a percentage on your interest rate. Verify the offer’s catch by knowing the terms and conditions.

It’s possible to get persuaded when there are many business credit card offers available. But still, it’s your business that matters above all. As much as possible, try not to be persuaded right away by various business credit card offers that you see. It is best that you concentrate on offers that will give your business the advantages as time goes .

Tips To Help You Select The Right Business Credit Card For Your Company

There are lots of credit card companies out there that offer business credit cards with attractive features. A study of these companies shows that utilizing such cards is beneficial for business owners in many ways.

One of the most noticeable benefits that you can get from a business credit card is low APR or yearly percent rate, that can start at approximately 8%. Standard business credit cards may also have 0% APR for the initial one-year term.

Another benefit is that you can possibly get a number of rewards. You may get frequent flyer miles, 50% to zero annual fee for the first year of subscription, or rewards points, among others. You may use the rewards to reduce your credit balances or your bills, or depending on your company’s current needs. You simply need to look for an ideal card that will match your business’ requirements.

Here are some tips to help you choose the right business credit card:

Aside from rewards and benefits, you should also look for a card that offers low interest rate. This can help you pay small interest charges in case you have a loan or credit.

Many credit card companies offer no spending limits to business owners. You will appreciate this facility because there are no purchase limits. You can ask to the credit card company that you are dealing with if they offer this facility, if not, you should search for other companies that do.

You may also look for a credit card company that provides flexible pay back. This allows you to pay your balances without worrying too much on your interest and other fees. This feature may also be in the form of flexi-payment programs like loans with low interest charges, convertible regular credits into loans, and such.

It is also possible to get expense reports generated by business credit cards. These reports can help you in keeping your company’s expenses on the right track . You may also have the benefit of having group rate discounts which can be further passed on as employer benefits.

You need to evaluate different cards and their features to help you get the ideal one that will work best for your company. No need to rush in searching for the right business credit card because you’ll need all the benefits you can get according to your business’ needs. Check on the APR, facilities, features, rewards and other offers.

Spend some time in searching for the right credit card for your business because you will definitely benefit from it over time. And always communicate with the card company to get the latest updates that you can apply for your business.

Tips To Help You Manage Small Business Credit Cards

If you own a small business, you’ll generally need a stable financial back-up for expenses and other payables. While your business grows, you will surely need other sources to fund your bills and purchases. This is when you have to take a look at small business credit cards.

Having small business credit cards will also need you to become mindful of your utilization. It is easy to get a credit card for any use – may it be for your personal use or for your business. It’s also quite easy to use whenever you need to spend on something; but like many folks, you might fall into a financial debt trap and get stuck with it for a long period of time.

Managing your credit card is not that difficult especially when your business priorities come first. Here are some tips to help you out:

Apply locally for small business credit cards – You should consider applying from your existing bank since your relationship with can help in the approval process. Having an established business relationship with a local bank is crucial especially when you need to apply for a credit card loan or when you need a line of credit.

Steer clear of card hopping – Numerous individuals fall for this especially those who are just enticed by the deals and offers. It is difficult to manage multiple small business credit cards and it can also have negative impact on your credit score.

Make your payments online – You will find banks and credit card companies that permit subscribers to pay on the net. This is an extremely convenient facility that ties up your current bank with your credit card company by allowing transactions via internet. It is also more beneficial if your small business credit card is owned by your current bank.

Avoid cash advance – Cash advance is just a credit in the form of cash and not purchases. The same terms apply but it is also possible to get higher interest rates. The same terms apply; however, it is also possible to obtain higher interest rates. Only use the cash advance feature for emergency purposes and such.

Avoid making late payments – There are charges such as late fees and higher interest rates when you make late payments . Always pay your dues on or before the due date to prevent the extra fees. You can save a lot of cash if you pay on time.

Small business credit cards are like any financial tools that you can use in improving and maintaining your business. Appropriate management and usage are essential to keep your financial situation in order and your company in good condition.

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Tamerica Instant Card Desktop Business Card Slitter Review

admin / July 28, 2011 / No comments

Overview:

The Tamerica Instant Card business card slitter is designed to help you quickly and easily cut your own short runs of business cards that you print in house.

This will allow you to create business cards for your employees or for yourself in just minutes without the need to involve a professional printing company.

Creating your own business cards not only allows you to save money but it also helps to ensure that business cards are available for employees immediately and helps to reduce waste by preventing you from having to order more business cards than you actually need.

Strengths / Features:

The Tamerica Instant Card business card slitter is designed to cut business cards that are printed 10 up on a sheet of paper. This means that a single printed sheet of business cards can yield ten business cards. With this system you can use standard business card templates in Microsoft Word (it even shows you how in the instructions) and can start creating your own business cards in no time at all.

The Tamerica Instant Card is the most inexpensive business card slitter that I have seen on the market. It is designed for home and small office use and really makes the possibility of creating your own business cards a reality. It is small, and really doesn’t require a lot of expertise to operate. All you need to do is turn it on, feed your sheets into the slot to cut them the long way and then feed the cut strips into the machine to finish the cutting process.

The Tamerica Instant Card business card slitter says that it is rated to cut papers that are between 150 gsm and 300 gsm which means that it can handle heavy index stocks and cover stocks up to 110lb. I tested it with 110lb index and it did fine. However, there is a warning on the top of the machine that states that you should not cut more than 50 sheets of heavy card stock paper at a time without leaving the machine and the motor to rest.

The InstantCard is rated to cut up to 6 sheets of business cards per minute. This means that you could potentially cut up to 60 business cards per minute. These numbers are probably somewhat exaggerated for the average user, however it should still be able to tackle moderate sized jobs fairly quickly. That being said, this is not a commercial grade machine and should not be used for high volume applications. It will not hold up.

Weaknesses / Limitations:

The Tamerica Instantcard business card slitter does not have any adjustments on it to allow you to change the slitters to adjust for your printer or for any variations that might occur during printing. This means that you will need to try and adjust the settings in your software if the cards are not placed exactly in the correct positions on your printed sheets. This can be somewhat tedious but isn’t a huge deal.

The Instantcard says that it can handle glossy paper, photo paper, magnetic paper, plain paper and coated paper. Most of the stocks that I used with the instantcard seemed to work fine. However, laminated sheets did not run very well through this machine. Additionally, you will need to be careful about using really heavy stocks. The motor in this machine can be damaged and ruined if you use stocks that are too heavy or if you attempt to cut too many sheets in a row without giving the cutter a break.

This is a small plastic business card slitter and it is probably fine for cutting a few hundred cards a week in an office setting. However, trying to use this type of machine in a commercial printing environment would be foolish. It is simply not constructed to handle high volumes of cutting and will not last.

Recommendation:

For small offices and home offices that are looking for a way to cut their own business cards on the spot, this is a great solution. Its price point and features make it a wonderful option for the creation of short run business cards and even magnets.

For commercial printers and large volume users this machine will be a huge disappointment. It is meant as a personal business card slitter and is really best when used as one.

Still, the Instantcard business card slitter is by far the cheapest business card slitter available on the market, is easy to use and is definitely a tool that you might want to consider for your office.

Category: business card / Tags: , ,

Steps in Setting-Up a Home-Based Business and Using Small Business Loans from Credit Card Services

admin / July 18, 2011 / No comments

Setting up a home-based business may be a more cost-effective alternative to setting up a major company, but it may still drain the limited resources of a small business owner. To keep the business going, small business loans will definitely be necessary. These can be availed of through credit card services. This article will show you how.

First, you need to set up your home based business. Do your research on the type of business you want to establish. Find out what licensing and zoning requirements you need to meet and ensure that you meet them all. Do not attempt to cut corners here.

Get the services of an accountant, even if only on a consultancy basis, to help you set up your books and records correctly from the start. Ask for help in determining deductions so that you can plan on your business expenses. Establish a routine for keeping strict records of all income and expenses right from day one. Keep all business related receipts, invoices, client records, bank statements, bank deposit slips and canceled checks.

Being home-based, you need to set aside a particular place in your home just for your business. Make sure it can accommodate all the necessary equipment. Check that you have the appropriate electrical outlets and have them installed if needed to avoid overloading your system. Set up rules to keep the area insulated from household noise and disturbances.

Have a business phone installed that is separate from your residential line. Avoid having your children answer the business line. Install an answering machine to take calls when you are out or occupied.

Get a post office box so that you can use that address in your official stationery and other documents, keeping your business profile professional. Hold client meetings in rented conference rooms or set business meetings in good restaurants.

One of the most important steps in setting up your home-based business is to acquire credit card services that will enable you to accept credit card payments and debit card payments. These credit card services provide all the necessary software and hardware for you to be able to process payments in person, online or by phone. This step alone already expands the customer base that you can access.

Credit card services will also serve you well once your home-based business begins to feel the need for additional capital. When you need to get small business loans, you will not have to approach banks which are most likely not sympathetic to small home-based businesses.

The need for small business loans usually comes when the home-based business is already at least a year old. At such time, your home-based business would have created an average monthly credit card sales record with your credit card services company. You can refer to that when you approach your credit card services company for small business loans, sometimes called cash advances.

Credit card services do offer small business loans to their clients based on average monthly credit card sales, without the need for any collateral. The aforementioned average monthly credit card sales guarantee your company’s capability to pay the small business loans. Payments will be automatically deducted as a percentage of future credit card sales. This arrangement frees you from worrying about the amortization for your small business loans, too.

As soon as you pay up your small business loans completely, you are automatically eligible for new small business loans for as long as your home-based business is getting a good monthly average in credit card sales. With the help of credit card services, you can continue to expand and grow your home-based business.

Category: business card / Tags: , ,
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