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A lot of people associate credit cards with just personal credit card which an individual posses and uses for shopping etc. However, there is another category of credit cards and that is called small business credit cards. As suggested by the name itself, the small business credit cards are meant for small businesses or people running small businesses.So how does the small business credit card differ from the other credit cards in general?The very obvious difference is that small business credit cards have the credit account in the name of the small business and not any individual, though the benefits indirectly accrue to the business owner. The other difference is with the terms and conditions that come with the small business credit cards. Finally, there are some subtle benefits with small business credit cards which would not be applicable to
personal credit cards. Let’s check all these things one by one.We know that the credit cards provide a lot of convenience and security for an individual and a lot of other benefits too. Most of the benefits related to personal credit cards apply here too. What is interesting here is the indirectbenefits that ensue from using a small business credit card.The indirect benefits associated with small business credit cards are so great that it makes them almost indispensable. The most important benefit is that you can easily segregate your business and personal expenses. So if you have been wasting a lot of time keeping track of your business bills and trying to keep them separate from personal bills, small business credit cards could help. You just need to ensure that you always make all your business payments using your small business credit card. When the credit card bill comes at the month end, you will have itemized account of all the business expenses as a single document. Thus small business cards reduce (and in some cases completely remove) the need for bookkeeping for a small business. The credit card company does that for you for free, although indirectly.Another important benefit comes from rolling credit. If you have to pay for your purchases upfront and still invoice your clients later (a situation faced very often with small businesses), you can roll the credit, you are providing your client with, to your credit card. Moreover, since these purchases are mostly urgent, arranging for money immediately can sometimes be a problem. In such cases, the small business credit card is the one which can bail you out. Well, if you are thinking that your personal credit card could do the same for you, you are a bit off the track on two fronts. Firstly, you want to keep your business expenses separate from your personal expenses and secondly, the APR on business cards is generally lower as compared to personal credit cards. A lot of the small business credit cards don’t require you to pay an annual fee even.So if you run a small business but haven’t got a small business credit card yet, it’s about time that you considered this wonderful option.Rudy Hadisentosa: CCN.com is a free online credit cards review and application website. We offer credit cards selection from visa,master cards, discover, american express and many others. We have quite some categories and hundreds of credit cards selection to fit your need. Apply for a credit card at CCN.com.Article Source: http://EzineArticles.com/95452
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The Author

Kelvyn Peters is one of Australia’s longest serving Tax Agents. He was registered in 1962 and became a CPA in 1964.

Kelvyn served on many charitable boards including St Aubyns Hospital, Alzheimer’s Association, Older Peoples Advocacy Service and Golden Years Center. As a young man he won the Outstanding Jaycee Award three times.

Kelvyn is a compassionate, generous man who loves people. That’s why he is so skilled at helping people in trouble.

Kelvyn Peters was Mayor of Kingaroy Shire Council from 1979 to 1984 and campaigned as the ‘Young Man of Action”.

Over 20 years later he still regards himself as a ‘Young Man of Action’.

He is a director of Restaurant Catering Qld Inc the peak employer representative in Queensland, and has advised the hospitality industry for many years.

His specialty is moving in to rescue an ailing business.

Kelvyn Peters CPA has spent over 20 years experimenting and researching methods to help small business in ways that are affordable.

He’s done that for local clients now he’s going global.

The American dream of life, liberty and the pursuit of happiness, or even the old adage of two cars in the garage and a chicken in every pot is often exemplified in the American small business. Too many people seem to focus on the ideal of “being your own boss” while overlooking one of the greatest benefits there is to owning your own business: financial independence. While it’s true that not every small business owner will become independently wealthy, and it’s also true that all of those late-night infomercials promising to make you a millionaire over night are promising more than they can deliver, it is entirely possible to achieve your financial goals and love what you do with a small business.

Whether you’ve always wanted to own your own business, or you’re simply curious to see what it entails, the hardest part of starting up is inevitably finding the right small business loan. Small business startups can often be risky, and in an unstable economy, it may be harder than ever to secure a loan, particularly if you’ve never owned your own business before. There is, however, an alternative to the traditional small business startup that exists in the form of a small business franchise. The typical franchise is essentially a small business for sale where you (the franchisee) select the perfect business and then purchase the right to own and operate your own carbon copy of the business from the franchise headquarters (the franchisor). At first glance, it would be easy to assume that this is a step in the wrong direction, thinking that purchasing a franchise would only add more of a headache to the already difficult fundraising process, but in practice, it makes it much easier to acquire a loan, increases the likelihood that your business will survive and in many cases, a franchise will be cheaper than a similar non-franchise, small business startup.

We’ll discuss how a franchise makes the small business process much easier throughout this article, but the actual process of acquiring a small business loan is best broken into three categories. Each one is a question that you must ask yourself, and the answers to these questions will not only help you to think through your small business and figure out exactly what you need from your lender, but it will also help you to build the framework that your business plan will hang on.

How Much Do I Need?

This is most likely the first question any lender will want to know from anyone looking to borrow money, and if you want to gain a vote of confidence from your lender, you will need to know all of the costs associated with the business. It’s very easy to become short-sighted when asking how much you need, because the tendency is to think about what is the bare minimum needed to survive, rather than what is the best amount that will set you and your business up for a win. Typically, you will need to figure in startup costs (building lease, equipment, advertising, employee training, etc.) as well as the liquid capital that your business requires to operate for six months. This is because many businesses do not profit within the first six months, and if they do, the profits will generally go towards repaying the bank or investors, and not into your pockets. A franchise small business opportunity simplifies this process greatly by letting you know up-front all of the costs that you will incur as well as laying out the average costs for the business for the first six months so that all the work of asking “how much do I need” is done for you by the franchisor. For example, if you choose to open up a franchise with Famous Uncle Al’s Hot Dogs, you may have a rough idea of what kind of location you’ll need, but you will receive with your franchise packet a detailed list of all of the required equipment, signage and any other items you’ll need to purchase in order to have a successful launch.

What Do I Need It For?

The loan process can be difficult for a first time small business owner for a number of reasons, but most often it comes down to the business plan. If you’ve never written a business plan, it can be very intimidating, but working through it and making it accurate and attractive to investors will be well worth the time. Your business plan should contain detailed information about the total costs involved with the business, projected income and, perhaps most importantly, similar businesses and what kind of track record they have had in your area. If you’re not quite ready to craft your own business plan, consider that with a small business franchise, all of the work of writing the business plan is done for you ahead of time by the franchisor. Detailed analysis’ of other franchises will also help you to land the loan you need, since with a franchise, there are hundreds (if not thousands) of small businesses all over the country that have shown great success with the exact same business plan.

Brow Art 23 is a perfect example of how a franchise can help you start your own small business. They offer a decidedly unique line of products and services including eyebrow threading, henna tattoos and permanent makeup. This is definitely a niche market business, so imagine the difficulty you would have trying to convince a bank to loan you the money for such a unique type of small business. Brow Art 23 has done the hard work for you by setting up their small business, proving that it is a viable and money making endeavor and then creating franchises that can get into this unique market with the backing and strong track record of a successful franchise.

How Long Do I Need It?

Finally, lenders will want to know your plan for repaying the loan. Although it would be nice if every small business was an instant success and you could pay back the loan in the first year, often times the lender will need a strict timeline for the repayment. This can be tough to nail down because there are so many variables associated with starting a small business that it will be hard to say with any confidence how quickly you will be able to pay back the loan. Once again, enter the small business franchise. Franchisors will be able to offer many comparable franchises in similar locations to yours, show how quickly they were able to become profitable and then set you up with a good idea of how quickly your business will be able to recoup. Snip-its Haid Cuts For Kids is a successful hair cut franchise with an angle that makes it a cut above the rest. This kid-focused business elaborately decorates the inside of the business to be fun and inviting to kids, which not only puts frightened children at ease, but also allows the small business to charge a premium for its experiential atmosphere. With several new franchisees in the last few years, Snip-its Haid Cuts For Kids will have a very realistic idea of when the business will become profitable, how long it will take to recoup and what kind of profits a franchisee can expect out of the business once the business loans are paid off.

Small businesses of any kind can be financially lucrative as well as personally rewarding, but the security and ease of a small business franchise is often more appealing to the average small business owner than the prospect of having to start everything from scratch. If you’re looking to own your own small business without having to take such a large risk or having to re-invent the wheel when coming up with your business plan, take a look at the franchises mentioned above as well as the many other small business franchises available and you’re sure to find one that suits you perfectly.

There is a hip business book that raced up the Best Seller list: Do What You Love and the Money Will Follow. Ha! Not true. It’s a myth! Doing what you love for a living is wonderful, essential. But the money won’t necessarily follow. That’s why there are “starving artists” and business owners who work 100 hours a week and make less than minimum wage.

In fact, doing what you love can fool you into thinking the money doesn’t matter. Money does matter. You have mouths to feed, taxes to pay, employees who depend on you, charities to support, tithing to contribute…and it all takes money. Money is handy. It’s a nice, neutral medium for exchanging goods and services. And it’s beats trading for chickens.

So why do so many folks justify their poor financial performance??

“I take pride in my work. I’m not in it for the money.”

It drives me nuts when someone says this! For every non-profitable business person will ultimately depend on me and our welfare system to support them. You can do what you love…just make money doing it.

“Put your heart and soul into your work and you’re sure to be successful.”

There is one way – only one way – to be successful in business: charge more for your products than it costs to create and deliver them. First class customer service and flawless quality are NOT the keys to success. Take more money in then you send out.

Does this all seem self evident? Then why do so many pussyfoot around this subject? Are you afraid that wanting money makes you a bad guy?? Perhaps, if you are good enough and kind enough money will just drop in your lap as a well deserved reward.

Profits and integrity are not opposites. The barely-getting-by business person never has enough money to contribute to good causes. And the fellow who is pressed for money will compromise his principles much sooner than the fellow with some ‘cushion’.

Do what you love, and the money may follow…if you confront and manage the financial aspects of your business. It is not enough to hope and pray. You must DO the things that insure your success.

Once upon a time there was a nice fellow named Louie. Louie was kind, hard working and very religious. He worked hard but had little to show for all his years of service to his community. One day, he walked into a church, fell to his knees and cried out,

“Dear God, I am a good man and I have led a good life. I have never asked you for anything. Please, grant me this one favor. Let me win the lottery. I will ask only for this as long as I live.”

20 years passed – Louie never won the lottery. Frustrated, Louie cried out to the heavens, “God, why would you not grant me my one and only wish??”

The sky opened, and the voice of God sounded…

“Louie, you gotta buy a ticket!”

Address the financial aspects of your business head-on. Read your financial statements at least once a month, as often as once a day.

Do what you love…but mind the money.

Ellen Rohr is the President and Founder of Bare Bones Biz, a business training and consulting company that teaches clients how to turn big ideas into successful businesses. Rohr is the successful author of numerous business basics books, including: Where Did the Money Go? – Accounting Basics for the Business Owner Who Hates Numbers and How Much Should I Charge? – Pricing Basics for Making Money Doing What You Love.

Today, IT solutions are aiding small and mid-sized companies alike, as they compete with Fortune 500 companies for a piece of the pie. We live in an age of fierce competitiveness, fiscal concern, and global turmoil and uncertainty. Companies are working hard to continually improve operational efficiency. Many are looking to IT (information technology) to reduce operating costs and increase efficiency by automating and streamlining existing business processes.

Smart companies are achieving their business and financial goals by embracing and making technology work for them. Porcelain Patch is one such small company that has embraced Internet Technology to help improve the bottom line while enhancing customer service. Since 1938, Porcelain Patch and Glaze has prided itself on offering the finest electrostatic painting and porcelain reglazing services to homeowners, office managers and building managers all over New England. Porcelain Patch can point to over a half-century of experience and a long list of satisfied customers. At this time, the company employs 12 field technicians, 2 full time sales people and 2 customer service/marketing representatives. They have been in Watertown, MA since the mid 1960′s.

As the president and owner of Porcelain Patch, Jonathan Gleason is always looking for ways to further gain efficiency and maintain customer loyalty, while keeping operating costs down. He is a technology buff and a true believer in utilizing IT to gain a competitive edge. As a starting point, Jonathan recognized long ago that in today’s Internet-driven business environment, a strong web presence is not only mandatory, but also it is the most valuable marketing tool that can set him apart from his competitors. He also understood that a web site can ONLY be effective if it is keeps up with the dynamic nature of the Internet and provides up-to-date information to its visitors. This, he realized, was the major challenge – one that required a lot of resources.

To make the web site an effective marketing tool, Jonathan commissioned Blue Robin Inc., to build a new web infrastructure for Porcelain Patch – one that can be organic. The new platform was built with a powerful Content Management System (CMS) through which authorized personnel can update the content of the site on-the-fly.

With its EZedit(TM), Blue Robin focused to deliver a robust, full-featured Content Management System to Porcelain Patch with a user-friendly environment that can accommodate multiple users at the company, with varying skill levels. The CMS provides Porcelain Patch with an easy-to-use, multi-level authenticated text and HTML editor with similar features and functionalities of popular word processing applications, which their employees were already familiar with using. The company took to the implementation of the new web site with its CMS, like a duck takes to water.

As a result, in 2007, the company’s website has turned into one of the most cost effective and important lead generators and image builder. In such a short time frame, Porcelain Patch has transformed its marketing from using a full page in their local Yellow Pages book to a cyber-based strategy to increase revenue by generating more traffic to its web site.

Another item that Jonathan had identified as a cost area was his company’s traditional phone system. Beyond the cost, the phone system was posing all kinds of problems that impacted customer service and created a bottle neck. Jonathan wanted a sophisticated phone system similar to the one used by the fortune 500 companies, without the high price tag. Jonathan began looking into Voice Over IP technology (VoIP) and did a significant amount of research into what companies could provide the most useful and cost effective solutions, before committing again to Blue Robin, Inc.’s Enterprise Voip(TM) phone system.
The most important benefit of VoIP is its cost savings for Porcelain patch. Blue Robin’s Enterprise VoIP(TM) has offered significant cost savings while providing numerous new features.

Jonathan had long ago understood that to compete effectively in the eWorld, his business infrastructure must have two essential components: A High-speed Internet connection and a sophisticated phone system. The arrival of VoIP technology makes it possible to say goodbye to traditional phone and PBX phone systems as well as the high cost associated with multiple phone lines. As a matter of record, the #1 reason Porcelain Patch adopted a VoIP phone system was cost, cost and cost. The Enterprise Voip(TM) system from Blue Robin is much less expensive to deploy than a traditional PBX and it has been far cheaper month-to-month than paying the large phone bills Porcelain Patch used to have. In addition to the reduced monthly cost of the Enterprise Voip(TM) phone system, the company also looked to keep the initial and any recurring charges down, as well as ensuring ease of implementation and use. Blue Robin was able to successfully meet and exceed all of Porcelain Patch’s requirements.

Like many corporations today, Porcelain Patch is experiencing the advantages of IT first hand as a key component of its business strategies. Jonathan will continue to use new technology to drastically change their business functions and to shift cost structures resulting in what some call the, “information based organization.” Implementing today’s new technologies shows how a business can successfully grow from within, creating a cycle of cost control, leading to better products and services, leading to more growth.

Sell your property for freedom from financial problems

Worrying about finances is an integral part of life. These worries manifest themselves in the form of credit card debt, mortgage payment backlog and various unsecured or secured debts that you might have availed. But when you own property, it need not always be a serious problem. There are reliable agencies that can help with taking stock of your current situation and finding you a suitable buyer for your property.

The benefits Of Selling Your Property

Some agencies offer the free service of valuing your property and make you an offer. In fact, you can even expect up to 90% of the market value if you decide to go in for a cash sale. These agencies are experienced and maintain a good track of the market pulse. With their contacts and reach, they have the ability to find cash buyers quickly.

If the reason for selling your property is because your mortgage payments are overdue, you face the danger of having your home repossessed and worse still, eviction. By approaching an agency to handle your property sale, you can completely avoid this since you will have the money to make up your mortgage payments and enjoy freedom from debt.

More than just a sale

You can also have the option of continuing to live in your home after you sell it. Some agencies make an arrangement with the buyer of your property where you can not only stay in your home after the sale, but also buy your home back at a price agreed in advance when your financial situation improves. What is even better is the fact that you are not bound by this offer, making you free to decide.

Some people consider the options of a remortgage to free up equity on their homes but unfortunately, all it does is to add to the overload of debt that you are trying to solve. Even debt consolidation could be a temporary solution, but it still involves cash outgo and you are certainly not debt free because of it. That is why eight out of ten people prefer to go in for an emergency sale where they enjoy the benefit of getting real cash in hand, enabling them clear off their debts.

Last year we were studying the credit industry and we came across quite a few companies that had a credit card debt elimination service. Some of these companies charged an upfront fee and some of them did not. There made claims that they could effectively erase your credit card debt legally and that you would not be liable for any of your balances ever again. But what many of these Americans did not realize that there was no stimulus package at that time that allowed any American to legally get rid of their credit debt.

The credit card debt elimination service can help you finally get rid of your past due balances once and for all. But you can also do this yourself if you have at least $10,000 that you owe to any creditor. The debts that you owe must be unsecured and the length of time that you’ve had your balances does not matter.

Whether you choose to go with a credit card debt elimination service that charges an upfront fee or if you decide to go with other companies that give you complimentary debt help, if you have over $10,000 of balances that you owe, you can forever get rid of your debt for good.

When you’re looking for credit card debt elimination service, we recommend going with companies that do not charge an upfront fee. These companies that do work for you for free work with the recent stimulus package and with your creditors. And once you get your debts erased you are not able to get them erased again. So is important to cut your charge cards up after you go with a one of these services and never charge again.

This will ensure that you never get into the finacial stress. Many Americans do not realize how easy it is to get out of debt, you just have to be proactive and never let up on your debts if you have less than $10,000 that you owe and are not able to get it erased.

As is very often the situation in the UK, where the United States lead we seem to follow, but are Banking and Financial Services included in this trend? You may be surprised.

The straight answer to the question above is, No, we do not have the right to banking services, but we should have the option. A recent study comparing UK Banking practices against US practices in the disclosure of lending to social groups, and areas of differing wealth has thrown up some stark contrasts in the way information is disseminated.

There has long been a feeling in the UK that certain groups of society and areas of the country are not fully serviced with financial services, leaving many of societies most needy to rely on other types of funding – hence the expansion of “money lenders”. A small car loan, or housing improvement loan can suddenly multiply if payments are missed, and for a long time the government have been powerless to act. It is only recently that laws have been introduced outlawing “unreasonable” penalties and rates of interest, but is this protecting the more needy of society?

The truth is that nobody knows, because no bank in the UK has ever released a breakdown of their clientèle, there lending patterns, and highlighted problem social areas. This is in stark contrast to the US banking industry where banks such as Charter One Bank (www.charteronebank.com) have released details of their regional lending patterns since the early 1970s. This is in stark contrast to UK Banks such as Royal Bank of Scotland (www.rbs.co.uk) who actually own Charter One Bank, but have never released regional breakdowns for the UK business.

How would the disclosure of social lending help?

While the finance industry is one of the most cut throat of industries in the UK, and heavily targeted towards reliable profitability, there seems to be a definite lack of social responsibility to certain areas of society. Recent events such as the announcements that thousands of post offices will be closing is further highlighting the lack of social responsibility.

Perversely it is very often the people who are excluded who actually require financial assistance the most. More than the well backed high rollers who can negotiate extremely good terms because of their credit history and asset backing. If banks were “invited” to disclose their areas of lending, this would highlight particular parts of the country / society who would benefit form more state assistance. This in turn would allow the government to focus extra help in these deprived areas, where the real help is need.

Until we adopt some form of the US reporting procedures, it is all very much guess work, although you can guarantee that the banks will be focusing on the more lucrative areas of society. It would appear that we are not all privy to the same array of financial services.