5 Benefits of Balance Transfers for Credit Cards

One of the top advantages of credit cards is that you can transfer balances between cards or get a new card specifically to transfer debt there. Though there are disadvantages to doing credit card balance transfers,there are many advantages to often make it a good option. Here are five benefits of balance transfers for credit cards.

Easy way to do debt consolidation
If you want to consolidate debts and get one payment,
a balance transfer is one of the easiest ways to do that. If you have enough room on an existing card, you can simply transfer a balance there; however, many people choose to open a new card to do a balance transfer. Either way you choose to do it, a balance transfer is much easier and faster than applying for a home equity loan or personal loan to consolidate debt.

Lower interest rate
One of the main reasons people do balance transfers is to get a
lower interest rate. Credit card companies often offer low teaser rates on balance transfers — including no interest — to entice people to either add to the balance on their cards or to open a new one. If you are responsible with your payments, you can use those low rates to pay down your debt faster and with less in the way of finance charges. You typically have to have a good credit score to get such offers.

Flexible terms
Doing a balance transfer on a credit card is much more flexible than taking out a loan. With a loan, you have to make the same payment every month for a set period of time. When you do a balance transfer, you can pay as little as the minimum payment or as much as you want.

Lower fees than loans
Though balance transfers usually carry a fee, it often is lower than what you would pay to get a loan. Typical balance transfer fees are anywhere from 3 percent to five percent, with a minimum fee. If you are transferring a fairly small balance, say $1,000 or $2,000, the balance transfer fees are lower than the fees you would pay for a personal or home equity loan.

Simply your finances
Doing a credit card balance transfer can allow you to simplify your finances by eliminating multiple payments. If you get a high enough credit limit, you may be able to consolidate all your debt on one card, which will give you just one monthly payment to make. That reduces the chances of missing a payment, paying a penalty fee and hurting your credit card.

These are five benefits of a credit card balance transfer. There are several others that can make it a good deal.


5 Essential Clothing Items to Have in Your Closet this Fall

The fall season is a time when you swap out the shorts, short-sleeves and bright colors for clothing that is warmer, a little more comfortable and in colors that aren’t as vibrant. Each year brings new items that will be seen in the closet with the 2016 fall season being no different. There might be a few surprises, but once you see how the items work with the other clothing and accessories that you have, then you’ll want to add more to your wardrobe.

Salute To The Navy
In the past, a camouflage design has been seen on some of the pants and shirts that people wear in the fall. In 2016, you might want to change the branch of the military that you represent as many designers are getting their inspiration from the Navy. Sailor pants in navy blue and long coats with gold buttons will be among the items that are seen in stores for the fall.

A Walk On The Wild Side
If you like a bit of nature in your wardrobe, then you’ll be happy to know that leopard print will be one of the popular designs this fall. From long coats to leggings, you’ll find just about everything that can be worn in a leopard print of some color or pattern. Aside from brown and black, you’ll see a few different colors blending together in the pattern, such as blue and green.

The tier is coming back to skirts and dresses. It offers a full look to the clothing that you wear and brings back a sense of style that was seen decades ago. Many of the tiers that are seen will be flowing without flaring away from the body, but with the layers on the clothing, it will give a beautiful fullness that you won’t get with other items.

Flower Garden
Bring the flower garden indoors this fall with large floral prints on dresses and shirts. The days of small flowers that are delicate in appearance are gone. They have been replaced with flowers that repeat on the clothing and large images of flowers and greenery that extend from the top of the item to the bottom, such as on the side of a dress.

Green With Envy
There will be several shades of green in stores this fall as the color is making it’s presence known. Long dresses that are bright green and jackets that look like an emerald will grace the closets of women of all ages. You might even see shades of green in hair paint as this will be a popular theme in the fall as well.


4 Creative Ways to Record Life Events on Christmas Ornaments

When Christmas rolls around, one of the big things to do is decorate the Christmas tree. For many families, this is an entire affair. You might head out into the woods with an axe and a sleigh and chop down the perfect tree with your dad. Next, it’s time to prune the tree and get it ready to go in the living room or family room.

All of this is just the beginning, however. That’s because what comes next is the serious part of Christmas tree preparation. When you’re ready with the tree in its right place, you can start to decorate. And when it comes to decorating, you’ve got to have the right ornaments. The best types of ornaments are personal and special to the family that has them. They stay with you for years and even decades as hard and fast decorations on the tree.

For some families, however, personal and special ornaments are hard to come by. Maybe you never took the time to pick any out at the store, or you’re not creatively inclined when it comes to making hand-made ornaments. In either of these cases, there’s nothing to worry about. If you would like to have more familiarly important ornaments for your next Christmas, consider the following four ways to create awesome ornaments that record important life events in your family.

1. The Best Picture of Each Year for Each Family Member in a Frame

Each year, try to choose the best picture for each family member. As you take pictures throughout the year, keep a running idea of which picture is the best for each and every member of your family. And don’t forget the pets either! When you have the best picture for each family member, put them into a frame that’s unique to that person and hang the pictures on the tree.

2. Kids Hand and Foot Prints

This is an idea for small children. If you have little ones, you know how adorable their little hands and feet are, but remember that they’ll only be that cute for a little while, so it’s important remember those images. Put their little feet into some water soluble paint and push them gently onto a piece of paper. Cut the new print out once it dries and then put it in a nice frame so that you can always remember it.

3. The Best Quotes From Each Year in a Clear Ball

Try this with the coming year. Every time someone says something funny or nice, write it down and put it in a bowl. At the end of the year, put all of these slips of paper into a little clear ornament and label it with a ribbon and the date.

4. Achievement Photos

Finally, when someone makes a great achievement, take a photo! Put that photo in a special frame as an ornament for the year.


5 Clever Places to Buy Back to School Clothes

While it may be hard to believe that the new school year is right around the corner, parents across the country are now faced with the task of back to school clothes shopping for their kids. There are plenty of options to choose from, but these five places may not have been on your radar this year.

1. Outlet Shopping During Tax Incentive Weeks

Some states offer tax breaks during back to school season for parents shopping for clothes. If this is the case, many outlet centers in those states offer even greater discounts that week to entice shoppers to visit. These weeks are the best time to try your hand at outlet shopping for bargains.

2. Consignment Shops

Summer is the time when many people are cleaning out their closets and gearing up for their kids’ next school year. Many parents are passing down clothes that are in great condition but no longer fit their children. Scope out consignment shops in your area to see if there are some quality clothing options at a fraction of the cost you would pay in a retail store.

3. Online Consignment

There are also plenty of great options for online consignment if you do not have any stores in your area. Be careful when looking at the photos and reading descriptions so that you are not disappointed in the quality of the clothing when it arrives. You may also not be able to send items back for an exchange or refund so make sure that you ask for as much sizing information as possible before buying.

4. Yard Sales

While the weather is still nice this summer, many people are taking advantage of the opportunity to get rid of some clutter by hosting yard sales. If there are any close by, spend some time walking through to see if there are any great deals on kids’ clothing. You can also try to negotiate with the seller and see if you can get a deeper discount by buying more items at once. Be prepared to pay in cash.

5. Department Stores that Offer Special Discounts

If you are a member of the military or work for the school system, many stores offer substantial discounts for back to school shopping. Before making the trek to the store, try calling first to see if the advertised discounts are honored at that particular location. Also, be prepared to show your identification as proof of your employment.


5 Creative Ways to Organize Any Move

It is no secret that any move has the potential to be stressful and exhausting. With some proper planning on the front end, you can minimize the headaches associated with your next move and have a much smoother transition to your new home.

1. Save on Bubble Wrap

Moving costs can get expensive, so any way that you can save a penny is a win. For fragile items, including glass candlesticks, nice silverware and figurines, try using your socks to wrap up the objects. You do not have to buy any supplies, and you would have to make room for your socks anyway. This minimizes packing space and costs at the same time.

2. Mark Your Cords

One of the biggest puzzles left to solve after a move is trying to match up electronics with their proper cords. Save yourself the hassle and take the time to label each cord with a marker and piece of tape so that you know exactly which device it is paired with when you unpack.

3. Pack Your Essentials in a Clear Bin

While labels for boxes can be helpful, you can still have to get through quite the mountain of cardboard to read them. For all of the essential items that you will need immediately after your move, you should put them in a clear bin that you can see through. You will already probably be exhausted when you arrive, so this could save you pointless searching time.

4. Vacuum Seal to Save Space

Even if you use cardboard boxes to transport your clothes, invest in some vacuum seal bags to fill with clothes inside them. This will cut down on space, but you will need to clearly label the outside of the boxes because it will be hard to tell from the vacuum seal exactly which clothes are inside.

5. Cut Down on Boxes by Recycling

You will inevitably need to use some cardboard boxes, but you can cut down on some of your bulk by using storage space in your hamper and baskets you already own to pack as much as possible inside. You can still slap labels on the outside of the baskets, but you will avoid having to go through as many cardboard boxes. For heavier objects, try packing them in wheeled suitcases so that you will not have to lift them. If the items are fragile, use clothes to pack around them for some extra support.


The Importance of Quality Executive Transportation in Business

You are involved in a thriving business where meetings, seminars, conferences, and other interactions are the every day norm. The executives may need to be at multiple locations and special functions, so providing them with first-class transportation can be a real benefit for them for the following reasons:

Providing transportation to your clients and your executives will give your company an extremely upscale image. Having a limo or car service which drops your employees right outside of a workplace, meeting destination, or a special event is very impressive. The perception will be that the business must be very successful to be able to provide first-class transportation to its top executives.

The best manner in which to get your executives to important meetings, conferences, and gatherings is to send a car or other vehicle for them. Sessions will begin on time and with full participation. There will not be any worries about multiple executives dealing with breakdowns, parking and traffic.

There are many areas in any given city where parking is an issue. Having a car or van that picks up employees and drops them off at the front door of the business will save much time and aggravation. There will be no driving around searching for available spaces and lots, and when it is time for departure, pick up can also be right up front.

Your executives may work very hard, and you may just want to show them how much you appreciate their loyalty and hard work. By supplying them with transportation, you are letting them know just how important they are to the business, and how much their presence means at the various meetings and conferences. It is also a great way to attract new and talented individuals to the company.

Most majors cities offer bus, van or limo service to the local companies and businesses. A company does not have to purchase a car and hire a driver. There are so many quality bus, limo and car companies that would be happy to supply the services on an as needed basis. The details of this business arrangement can be based on a monthly fee or per the mileage driven.

Providing transportation for your most important employees definitely has its advantages. It may be very costly to arrange and pay for, but the end results are well worth the cost. Always be sure to research the company you plan on using for your transportation needs. Ask about the drivers and their qualifications as well as the vehicles themselves. When seeking out a reputable transportation company, request a test drive with one of their best drivers in one of the vehicles provided and make your final decision from there.

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How Wholesale Companies Work

Wholesale companies occupy a significant place in the greater international market economy today. In fact, wholesale distribution represents an estimated seven percent of the United States Gross Domestic Product (GDP), with a $3.2 trillion reported annual sales. Knowing this, it is not difficult to understand why launching a wholesale company might sound attractive, and why so many retailers do business with wholesale companies.

In this post, learn the nuts and bolts of how the wholesale distribution system works and where it fits into the greater sales cycle.

Wholesale Distribution Defined
The word “wholesale” denotes larger bulk orders intended to be resold. In general, wholesalers work with products that are already at high demand by customers. They purchase larger lots of these items at low (“wholesale”) cost, then turn around and resell them to retailers with their own profit margin built in.

An example: Let’s say you wanted to add motorized scooters to your retail store inventory. You would seek out a wholesale distribution company that sells motorized scooters, negotiate a bulk price for a certain number of scooters (for either a one-time order or for repeat orders) and pay a lower price per scooter than what it would cost you to buy the same number of scooters at full retail price.

Where the Money Is

The profit in wholesale distribution comes from volume, not price. In other words, because a wholesale is selling large lots of popular items with a small built-in profit margin, there is the potential for larger profits as sales increase.

For retailers, the cost savings that can be found through buying inventory from a wholesale distributer contribute to a higher profit per sale than what could be realized when reselling retail priced inventory.

Here, it becomes clear that both wholesaler and retailer stand to benefit from establishing an ongoing business relationship.

How to Select a Wholesale Business Partner
With more than 300,000 wholesalers to choose from in the United States alone, it can help to have a clear outline of what to look for when beginning a new business relationship with a wholesale company.

Here is a list of tips to follow:

– Look for an established company with long-term success in the wholesale industry.
– Research the company’s reputation online, with trade associations and the Better Business Bureau (BBB) and with references.
– Learn about volume discounts, minimum quantities per order, order lead times and other fine print before signing any contracts.
– For lower volume orders, consider a local or regional wholesaler which may have lower shipping costs (and thus be able to pass product on to you at a lower wholesale price).

Since it can take time to find the right wholesale partner, be sure to allow yourself adequate lead time to do this research before you need to receive your first shipment of inventory.

With this information in hand, you can feel confident to begin working with or in the wholesale industry from a knowledgeable foundation.


How to Build a New Career Wardrobe for Less

After landing a great job, your thoughts may immediately shift to what you are going to wear to work. Each company has its own accepted dress code or corporate culture that you may need to conform to, and you likely developed a great idea about what to wear and what not to wear by looking at other employees during the interview process. If you have decided to update your wardrobe, you may be wondering how you can do so on a tight budget. These tips will help you to accomplish your goals so that you can dress to impress at your new workplace without emptying your bank account in the process.

Take Inventory of What You Already Have
While you may need to purchase a few items to update your wardrobe, you may not need to buy as many items as you might think. Some pieces that you own could be paired with different items to create the look you desire. For example, you may have a pair of khaki pants or a white button-down shirt that would like great with other items that you need to purchase. You could dress up an outfit that is sitting in your closet with accessories or dress down one item by pairing it with something else that has the right look or style. By taking inventory of the items you currently have in your closet, you may be able to minimize the number of items that you need to purchase.

Buy Staple Items First
Depending on the work environment and dress code, there may be some staple items that you need to purchase, if you do not already have them in your possession. For example, a staple for a work casual environment would be a pair of khaki pants. Staples for a corporate professional work environment would be a white button-down and black or navy blue trousers. These are only a few of the staples that you could invest in, and you could pick pieces around these staples to add modern flair to your look. Keep in mind that you can purchase these items in affordable ways.

Shop at Consignment Stores
Once you have a list of the staple items that you want to purchase prepared, you can begin shopping around for the best deals on them as well as on accessory or complementary pieces. You can shop sales to save money on your purchases, but another great idea is to shop at consignment stores. This is a great way to save money on high-end, name brand merchandise, and you often can find staple items as well as trendy pieces for your wardrobe at a consignment store.

It is understandable that you want to dress to impress at your new job, but you also may have a limited amount of funds available to shop with. These helpful tips can help you to update your wardrobe so that you look great and conform to the corporate dress code, and you can save money in the process.


Five Ways A Loan Can Help Your Small Business Grow

Organizations are conceived from dreams. Yet once your business is up and running, those same dreams can become greater than your little office. In the event that they’re to end up a reality, you’ll have to grow your business admirably, rapidly, and soon. However new companies don’t have long records and notorieties as other, more settled organizations. Which makes getting financing for development an included test. This is the reason it’s advantageous to consider option banks to give the financing you need.*

Here are five approaches to extend utilizing little business startup credits:

1. Fund new hardware/innovation

As a startup, your efficiency levels are regularly reliant on your present gear and innovation. You will require financing for new and overhauled hardware, programming, and gadgets to meet requests and to guarantee the development of your yield.

2. Redesign your business storefront

In the event that you are a retailer or administration supplier with a store, consider the storefront to be the substance of your business. It makes an early introduction on your clients and requires an engaging showcase passing on style and polished methodology. You might need to apply to finance to guarantee your business storefront looks great including new signage, lighting, and different components.

3. Support new item improvement

While your offerings might be at first fruitful, changes in the business and buyer tastes might require some item alterations. Financing new item improvement is exorbitant, particularly with regards to subsidizing work and materials. Be that as it may, startup financing could lessen the cost weight of innovative work.

4. Contract new workers.

To keep your business on track for development, you might need to contract more specialists to manage a relentless yield. One straightforward business control: Regardless, your specialists must be adjusted. The worry is cash from customers can be postponed or not yet existing. Financing can go about as an extension to ensure your specialists’ pay goes continuous.

5. Rent another space

While your present space may be fine today, a bigger space might be expected to suit expanding number of staff, hardware, and then some. In the event that you need to move into another space, you will require capital for extra lease and renovating. A startup advance will give you trust in knowing you will have the capital before you sign a lease.

Distinctive advance alternatives

While you could apply to finance with the U.S. Little Business Organization and conventional loan specialists, they might have confinements that keep you from acquiring the subsidizing you requirement for a startup. They additionally can give financing stipulations in the matter of how it is to be utilized for your business.

Instead of adhere to these run of the mill loaning procedures, consider applying for a little business startup credit with an option moneylender. While numerous option loan specialists don’t give financing to new businesses, some will consider loaning to them. LoanMe, a main option little business moneylender, gives cash-flow to organizations that have just been working for two months. We perceive that with regards to your organization’s proceeded with development, you know best.

Not at all like SBA advances and private financial specialists, LoanMe permits you to utilize your assets for any business reason. LoanMe comprehends this is the sort of opportunity that permits genuine business visionaries to flourish.

You require only three archives to apply for a little business credit, making the application prepare speedy and simple.


6 Essential Low Cost Medical Supplies

If you are planning to become a health care provider or just want to protect your own health while at home or in the workplace, there are a few medical supplies you should definitely have. Many of these supplies are very low in cost and will be highly useful when medical care is required. Here are six essential medical supplies you should have.

Disposable Gloves

If you plan on offering medical care to others, you’ll want to have a set of disposable gloves to keep everyone safe. Many of the best gloves are made from latex and can easily be worn and removed. If you’re allergic to latex, you can also find options made from vinyl and other latex-free materials. Some gloves are lined inside with powder so they won’t stick to your skin or cause excessive hand sweating.

Wound Care Dressings

Cuts and other skin wounds should be dressed immediately to avoid any type of infections from developing. Most types of adhesive bandages are very inexpensive and can quickly be applied to skin. Old-fashioned bandages made out of cloth or another type of fabric also work wonders and are particularly handy if you need to wrap a certain area of the body.


Antiseptics can act as a first line of defense for skin wounds. According to Wikipedia, antiseptics can prevent infections and may even reduce the possibility of developing sepsis or putrefaction. The substance usually comes in a liquid or gel form and can be applied directly to cuts, scratches and burns.

Pain Relief Solution

Aches and pains that affect the muscles and joints can often be soothed with creams, gels and lotions that are formulated to provide fast relief. There are even solutions that can be applied by spraying. Many of these products are able to provide a soothing cooling sensation that can give you even further relief.

Blood Pressure Monitor

Many of the blood pressure monitors on the market are highly effective and affordable. The Mayo Clinic reports that people with elevated blood pressure levels are often asymptomatic, so having a blood pressure monitor is especially important. These devices come with arm cuffs that can fit the size of most people’s arms. Some of the more sophisticated models are even able to detect pulse irregularities, which can alert users of possible underlying heart conditions.

CPR Face Shield

If you ever need to perform cardiopulmonary resuscitation on someone who has gone into cardiac arrest, a CPR face shield can protect you from ingesting any harmful germs, viruses or fluids while administering the procedure. Some of these face shields feature one-way valves and can even be fitted around your ears so that your hands can remain free as you work.