More than five billion Americans use a debit card that automatically deducts purchases from their checking account without their having to write a check or visit an ATM to withdraw money. In fact, debit transactions account for 31 percent of all retail transactions. Cash is used in just 29 percent of American transactions, with the balance being credit card transactions. For retailers, that means that if you aren’t set up to accept plastic as payment wherever you go, you’re losing sales.…
Many small business owners still find themselves cutting checks every pay period. But though this may seem like the most direct method of payment, there are some advantages to modernizing the process. Switching to direct deposit can be both a cost-effective and easier solution.
Direct Deposit is Cheaper
When it comes to mailing paper checks, there are three primary expenses: administrative time, checks and envelopes, and postage. Direct deposits can be done for either low or no cost comparatively.…
Having poor credit can take a huge toll on your ability to accomplish certain things financially. For example, it can affect the type of home loans, auto loans, and other personal loans that you are able to get. This is because poor credit often leads to lenders providing you with high interest rates to ensure that the loan they provide is going to make them money. To help you get a personal loan without having to worry too much about how your bad credit is going to affect it, consider the following three tips:…
If you need a new apartment, whether it is your first apartment or you are moving out of your old place, waiting around may not be in your best interest. Most leases are for a year or more, especially if you want to get the best rental rate possible. If you find a place that you want and you are approved for the rental, instead of waiting to try to move in until payday or until the first of the month, you should move in immediately.…
Are you sitting in jail wondering how and when you will be able to get out? If your offense is minor and you don’t have a long criminal record, it is possible that you can be released on bail in no time. All you will have to do is wait until your court hearing to find out, which shouldn’t take long. A bail bonds company can lend you the money to get out if you are short on funds, but you might need an indemnitor as well.…
If you have fallen behind on a lot of your bills and there’s no way that you are going to be able to catch up on them, then you should think about going through with the bankruptcy process. There are a lot of benefits that can come from bankruptcy. While the first option should be to always stay on top of your bills, this isn’t always the way things work out and they can get ahead of you before you know it.…
