Reasons Why A Secured Visa Credit Card Is Better Than Prepaid

Many people assume that a prepaid Visa card is the same thing as a secured Visa credit card. This actually couldn’t be further from the truth. A prepaid Visa credit card is significantly different from a secured Visa credit card. Here are five reasons why.

1. The Credit Factor

If you’re trying to decide between a prepaid credit card or a secured Visa credit card, chances are that your credit isn’t exactly spotless. If you want to improve your credit rating, understanding the differences between prepaid cards and secured cards is critical.

If you opt for a prepaid credit card, you’re not doing anything to improve your credit rating. This is because prepaid credit cards typically aren’t reported to the credit bureaus. On the other hand, when you are issued a secured Visa credit card, your account activity is reported to the credit bureaus, improving your credit.

By managing your secured Visa credit card properly, you aren’t just gaining access to a credit card and the benefits that go along with carrying one, but you’re also increasing your credit score and rebuilding your credit history.

2. The Money Factor

There is one thing that prepaid credit cards and secured credit cards have in common. Whether you open a secured credit card or a prepaid credit card, you’re going to have to send in money. That, however, is where the similarity ends.

When you give money to a prepaid credit card company, they credit the amount to your prepaid card and

Smart Ways To Use A Credit Card

Aren’t you sick and tired of hearing how “bad” credit cards are and that we should all just cut them up and start living on cash again. Although this sounds nice in some ways, the reality is that we live in a consumer society and credit cards have become a major part of life. The problem is when people don’t know how to use credit cards. Credit card debt is no joke and it can suck you in like quick sand. You can blame credit card companies all you want but in the end its your responsibility to be smart with your money and your cards.

Credit cards do have a positive role to play in personal finance. If you are smart with it, it can help you better manage and spend your money and it can give you the financial leverage when you need it most. Here are 3 smart uses for credit.

1. Emergencies

I do not recommend or encourage anyone to live on credit. its a recipe for disaster. Instead, the best way to use your credit cards is to use it as backup. We all have financial disasters that usually hit at the most inconvenient times. If you don’t have life savings to fall back on then it can really hit you hard. Having a card as a backup can really be a lifesaver and at a fee of about $50 a year, it’s well worth the security that it provides in case you need it.

Is It Possible To Achieve Growth On Student Property Investments

There are several factors that have fuelled the student property fire that we find ourselves in today. An increased demand from residential developers, coupled with a shortage of land, means that prices are rising sharply.

Developers and investors interest has been piqued by the increased competition for suitable student housing. Despite the UK undergraduate population reaching record highs in 2013, it is estimated that only around 13% of students have access to purpose built accommodation.

Increased profit margins

Investing in student property is a great way to earn extra money, or to introduce some variety into an investor”s housing portfolio.
Despite increased tuition fees the student accommodation market continues to rise, and competition for the nicest and most convenient locations is fierce.
According to the NUS (National Union of Students), the price of student property has risen 100% over the past ten years.

From an investment stand point this is a very intriguing figure, as rental increases mean more profit.
Especially since the commercial housing market has been somewhat stagnated and unstable during the recession, it is student property that has remained a positive business investment and one of the only property sectors that has reported continual growth.

Tapping into supply and demand

“The typical student property investment is achieving 8% Net Income per annum,” says Arran Kerkvliet, Investment Director at One Touch Property.
Take Liverpool “” one of the North West”s hot spots for university demand “” where 70,000 students come

No credit check UK car finance

They are crucial for many people who want to make their credit and get a new monetary get started. There are many lending companies, institutes and financial institutions that are delivering no credit score look at auto loans to the needy men and women.

All people who don’t have a credit score history can conveniently get the no credit car or truck loans and purchase their dream auto. The financial institution delivers these loans based on the existing capacity to repay it back. If a particular person has no credit but still he has a job in hand or he can demonstrate his cash flow than he can conveniently get a automobile finance. One particular can even get instantaneous automobile mortgage based on his cash flow and the assets.ts.

If suppose a particular person requirements an car mortgage, he has task but he can’t indicate his cash flow proof than he nevertheless qualifies for a no credit look at vehicle finance. It is a seriously a boon to all the no credit score people today.

If you’re hunting for auto insurance policy, you may be shocked to obtain a lot of insurance providers get into account your credit score score when calculating the rate to cost you. This can be a major difficulty for men and women who have had trouble with their credit. Some organizations even deny coverage completely to people with negative credit score history. Why do insurance plan corporations even consider into account credit score when calculating charges? What can

Go Green With Credit Card

Barclaycard are the latest company to offer a green product to its growing ethically concerned customers who want to lower their carbon footprints. They have announced that their new eco-friendly credit card will be called Breathe. To ensure its green credentials the card is made from PETG which is the greener alternative to plastic. There will also be no paper statements, they will offer recycling for expired cards and all advertising for the Breathe card will be done online. The card offers customers discounts and low rate borrowing when green products are bought. In addition to this Barclaycard will give 50% of after tax profits (estimated at 1 million in its first year) from the card to environmental projects that are dedicated to reducing carbon emissions.

Barclaycard have also recently, along with eight other market leaders B&Q, British Gas, Marks & Spencer, Sky, Tesco, Royal & Sun Alliance and O2, launched a government backed campaign titled Were in this together which aims to help every UK household cut their carbon emissions by one tonne over the next three years.

Barclaycard isnt the only lender to be catering to the growing demand for ethical borrowing. Virgin have also launched a green credit card and claim that they have beaten Barclaycard in the green stakes because their card is bio-degradable and they also promise not to just pay lip-service to the environment but offer on-going dedication to environmental issues. The Co-operative Bank is generally regarded as being the most ethical with

Southwest Airline Credit Card

Southwest airline credit card
Southwest airline credit card

Southwest airline credit cards are a good example of co-branded credit cards. Southwest airlines and Chase have teamed up to bring the southwest airline credit cards to you. At the time of writing this article, there are two popular southwest airline cards which are also collectively called as southwest airlines rapid rewards Visa cards. One of these southwest airline credit cards is for personal use (this is called Southwest Airlines Rapid Rewards Visa Signature Card) and the other southwest airline credit card is for business use. Both these southwest airline credit cards are aimed at getting you a roundtrip award faster.

There are a number of ways in which you can earn reward points using Southwest airline credit cards. Southwest airline credit cards have two kinds of reward points i.e. there are two denominations in which you can earn reward points – rapid reward credits and rapid reward dollars. The rapid reward credits are a much higher reward denomination as compared to the reward dollars (e.g. at the time of writing this article, 1200 reward dollars is equal to 1 rapid reward credit).

So how do you earn and redeem the reward points on your southwest airline credit card?

You get bonus reward credits after your first purchase on your southwest airline credit card. These purchases needn’t be on southwest airlines products/services, these can be just any purchases made using the southwest airline credit card. You earn reward dollars for

Why Invest In Real Estate In Hyderabad

Nowadays investing in real estate has become a popular trend, people see a big future in the real estate. Real estate dealing has also become a major source of much money for many people. All you have to do is find the right kind of property and invest in it and after a few years see the growth in investment.

Investing in real estate of Hyderabad:

Many people still have doubts about investing in real estate in Hyderabad, and the time is just right to invest in real estate. Hyderabad has gained a reputation for itself in the global market, and the city grows at a steady rate. Now is the right time to invest in property in Hyderabad, the growth in IT sector and business have prompted many people to move to Hyderabad. And the location and the beauty of the city have also influenced a lot of people to invest in property in Hyderabad. Here are some of the reasons as to why you should invest for property in Hyderabad.

Development in IT industry, international airports, and new projects like IT parks; hardware parks, star hotels etc have influenced the life of Hyderabad. All these projects make Hyderabad the most happening place to invest in property.

Many MNC have setup their Indian offices in Hyderabad, which in turn encourages more people to be employed in Hyderabad.

The cost of living is pretty low in this city when compared to other metropolitan city.

Credit Card Fraud in Australia

In recent years, Australia experienced an increase from the use of stored value and credit cards as a method of payment for services and goods. Although credit cards provide greater convenience for consumers, higher levels of theft of funds and fraud has been accomplished.

The Australian Payments Clearing Association published statistics indicating that card fraud increased by twenty-six percent from 2010 to 2012. The value of fraudulent transactions in Australia and overseas over the same period from 2012 to 2013 was AUD 262 million. The statistics also indicated that a large percentage of these dishonest transactions involved making purchases over the Internet or phone by using details of cards where it is not required to present the card physically.

Criminals operate in different ways to get their hands-on card holder’s available funds, such as spyware or some other scam to obtain your credit card details. Police recently uncovered Australia’s biggest credit card fraud committed by a Romanian syndicate. Criminals are very smart and Fraud International says they try to do everything they can to make phishing scams appear like it is genuine.

Phishing scams typically involve sending an e-mail purporting to be from a bank with a link or call to action for people to update their details. Once you clicked on the link, you may accidentally download a Trojan program, which could compromise your security.

Alternatively, after you clicked on a scam emails link, the system may ask you to enter your credit card details or banking information. The details you enter will

Ubud, Bali, Property Investment Five Great Reasons Why Ubud Real Estate Will Grow In Value

Bali is one of the worlds’ most sought after tourist destinations. Its unique ancient Hindu culture is rich with elaborate religious ceremonies and processions that occur almost daily.

Five Great Reasons for Property Investment in Ubud:

1. Ubud is the art and dance cultural center of Bali. Located in the center of the island-state, this small village is one of Bali’s three primary tourist areas. Ubud thrives on a steady, dynamic level of tourism that stimulates a fast growing real estate business climate for both commercial and residential properties. Bali’s stable provincial government is democratically elected and encourages an open and welcoming business climate since economic growth adds greater tax revenues that permit new and ongoing development projects. The government’s ever increasing investment in infrastructure stimulates even more foreign investment and the implementation of new business standards and regulations underpin long term economic success strategies that point to sustained growth in coming decades. Even during the recent global economic crisis, Indonesia maintained approximately a 6% growth rate. This burgeoning economic giant in the region was little influenced by the downtrend, primarily because the Indonesian financial system doesn’t function as a credit-based economy. Most foreign investment in real estate is on a cash basis. Today property values maintain a steadily increasing growth curve and the investment value of property in Ubud continues to augment because of the town’s popularity amongst tourists and locals alike.

2. Ubud, a quaint little village of only 8000 people, is a magical place. In 2009 it

Becoming An Owner Operator Getting Started – Financing and Credit

Now that you know how much money you can really earn, (go to my blog for my previous post by clicking here): Income and Expenses, your next step, if you still think you want to be an owner operator, is to decide if you can afford it.

Do you want to be a truck driver, or a businessman? Most people think they can just buy a truck and roll, but there is a lot more to it than that. In the first place, a truck can cost anywhere from $30,000.00 for a used one to $150,000.00 for a new one. You have to look a your complete financial picture and figure out if you can even afford to purchase a truck, much less all the expenses that go along with it. First, you want your new business to be a money making enterprise, so you don’t want to start out too much in debt. Your truck payments will run from $1,000.00 to $2,500.00 a month. As you can see, you will have to have a good credit history before you can even buy a truck.

Many banks and credit unions will want a written business plan when you try to get a loan. This will tell them how you think you will be able to pay back the money you borrow from them.

The first thing you need to do is check your credit report and Fico score before even applying for a loan. Everyone is entitled