Category Archives: Finance

Debit & Credit Card Processing In Your Dental Practice Are You Playing Your Cards Right

Making significant changes for your practice doesnt always have to take up valuable time. Switching card processing providers, for example, can prove to be an extremely beneficial exercise for both your practice and your patients. BDA Plus has put together a case study highlighting the benefits of switching from typical bank rates to the exclusive card processing services available to you as a BDA member.
Streamline introduction
One of the major advantages of arranging your card processing facilities through BDA Plus is that we have negotiated exclusive rates from Streamline (part of RBS WorldPay), the leading provider of merchant accounts in Europe*. Switching providers is actually a lot simpler than it sounds. The process usually takes around three to four weeks to complete, and does not require the need to disrupt your practices schedule in any way.

There are various options available to suit every practices needs. As an example of rates, looking at a typical practice with an annual credit card turnover of less than 100,000, the following demonstrates our exclusive rates for BDA members:

Maestro & Solo- 16p per transaction
VISA Debit & VISA Electron – 17p per transaction
VISA Credit Card – 1.21% per transaction
Master Card – 1.24% per transaction
Commercial Cards – 1.76% per transaction

If your credit card turnover exceeds 100,000, percentage based rates can be lowered by 0.02%, and by a further 0.04% should your credit card turnover exceed 250,000.

A standard payment terminal is extremely well priced at just 10 per month (excluding VAT), allowing speedy and efficient services from a simple, user- friendly terminal. For those looking for something a little more hands free, a wireless Bluetooth operated terminal is also available, priced at just 18.95 per month (excluding VAT).
The costs of switching to Streamline are minimal, with only an initial one-off payment of 25 (excluding VAT) being charged in order to create a Streamline account and set up the necessary rental and support services.

To demonstrate just how much your practice can save, we would like to use a typical client switchover as an example. As a BDA member, our client was eager to find services that would not only assist her practice, but would also benefit her patients. Having used his previous providers for the past four years, our client thought it was time to review her card processing facilities. During an average month, the practice has a credit card turnover of 5,600 and processes approximately 125 debit card transactions. The following list illustrates how much was saved during the year:

Clients savings

Typical Rates

Credit Card charge – 1.8%
Annual Credit Card cost – 1209.60
Debit Card charge – 0.250
Annual Debit Card cost – 375
Monthly Terminal lease (inc. VAT) – 21.15
Annual Terminal cost – 253.80
Total Annual cost – 1838.40

BDA Plus Rates

Credit Card charge – 1.21%
Annual Credit Card cost – 813.12
Debit Card charge – 0.17
Annual Debit Card cost – 255
Monthly Terminal lease (inc. VAT) – 11.75
Annual Terminal cost – 141
Total Annual cost – 1209.12

Total Annual BDA Plus Savings – 629.28

In total, an annual saving of approximately 629.28 was gained, leading to an average saving of 52.44 per month. When you add everything up, the savings gained through these preferential rates alone could pay for your BDA membership, to name but one benefit.

The Process

The process itself is very simple; after receiving an initial enquiry, a member of the BDA Plus team will contact you in order to discuss our rates and to make sure that you are aware of all possible options available.

An application form is promptly sent to you, which serves as a thorough assessment, so that Streamline can ensure that their services correspond with your needs. On completion, the form is returned to BDA Plus, checked and then forwarded to Streamline. From there onwards, Streamline take control of the application, and finalize the set up. An engineer will be promptly sent to your practice to install the new debit and credit card processing facility, which should only take around twenty minutes to complete.

Switching to our debit and credit card processing in your dental practice is only one example of using BDA Plus to get more from your membership. Here at BDA Plus, we are dedicated to providing Insurance and Financial Services tailored to the needs of the dental professional. We can provide your practice with a suite of services specifically designed for the needs of you and your practice, offering additional preferential rates for BDA members. Whether looking for Practice Insurance, Practice Overheads Protection or Commercial Finance, we are confident that our services will meet the needs of your practice. We are also proud to offer you a variety of products designed to protect your personal finances too, including Home Insurance, Income Protection and Retirement Planning.

We are always happy to provide guidance to find the best solutions for you and your practice. If you would like further advice on any aspect of this article, or would like to discuss the best financial options open to you, please do not hesitate to contact us on 0845 130 1366.


Lloyd & Whyte Ltd is authorised and regulated by the Financial Services Authority.

BDA Plus is a trading name of Lloyd & Whyte Ltd used under license from the British Dental Association.
Calls may be recorded for use in quality management, training and customer support.

How A Government Credit Card Debt Is Going To Have An Affect On Mortgages And Also Real Estate Inves

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Use Revolving Credit And Pay Off Your Mortgage Quicker

Revolving Credits are one of those gems that financial advisers like pull out to look intelligent. They are not for everyone, but in my opinion Revolving Credit can’t be beaten! They are flexible and (done the correct way) can help you pay your mortgage off in no time. You can easily reduce the term of your mortgage by 5-10 years and (if you have a mortgage over $300,000) save up to $80,000 in interest.

Because while it isn’t the only path toward financial independence, it is a trusted method that works well with a little discipline.

How does it work?

Using a revolving credit you can place part of your mortgage into your transaction account. It will seem like dealing with a big overdraft but at mortgage interest rates. Any additional money in your transaction account successfully reduces the mortgage balance and therefore you pay a lesser amount in interest.

The main reason many people tend to disregard revolving credit is that is can sound too complicated to the uninitiated. After all, if you handle your mortgage and everyday living transactions all from a single account, what’s to stop it from becoming one giant financial mess? How can you be sure if you’re doing the right thing? And how do you protect yourself from dipping too far into your mortgage money when it appears to be right there to spend?

Multiple Transaction Accounts

The easy answer to working with a Revolving Credit well is to have two transaction accounts, particularly since most banks now have free or reduced cost electronic transaction accounts.

We suggest having your income/wages paid into the Revolving Credit. Your standard costs and the mortgage will be paid from the Revolving Credit. But, for daily expenses set up a weekly automatic transfer to a second transaction account and use that one.

Budget is crucial for anyone with a mortgage, and the easiest budget to utilise for any home owner is based on the premise that your costs should never be more than your earnings. Of course unexpected expenses are sure to crop up – especially if you are taking care of a family – so if you do think you need some more cash you can access this from your revolving credit in emergencies. Making the conscious decision to transfer money out of your revolving credit and into your daily transactions account is far safer than just using one large account, so make this strategy the first thing you put into practice in your revolving credit strategy.

A different popular option for people comfortable with using a credit card is to pop your day-to-day costs on the plastic and then pay off the credit charges ENTIRELY from your revolving credit before the end of the month. As long as you can cover all charges before the credit card company can start charging you interest, using your credit card is a fantastic option because it keeps all your money in your account for longer – therefore cutting down the interest on your mortgage as much as you can. Not only that, but you’ll also have the added advantages of being able to score reward points or even frequent flyer points by using your credit card, so you can indulge yourself for all your successful budgeting work without having to shell out a cent.

What percent should my revolving credit be?

It’s best to speak to your financial advisor for the best guidance on how much you should initially set your revolving credit at. Based on your earnings and costs, most lenders will approximate the percentage of your mortgage you will be able to pay off within a couple of years. This sum will form the foundation to work out how substantial they make your revolving credit.

With the rest of the mortgage we tend to set it to a 25 year term and focus any additional repayment onto the revolving portion. When your fixed rate matures we can then decrease the fixed rate mortgage by transferring some of it across to the revolving credit, and start over!

As well as being able to become debt free faster than you might have ever imagined, one of the other significant advantages of the revolving credit strategy is flexibility. This method of mortgage management not only lets you to become free-hold faster, but is flexible enough to continue to meet your requirements if and when your situation changes. Planning a family? Do you need to slip back to one income rather than two? Revolving credit can even allow you to slow down your repayments if you ever need to, making it a wonderful tool to future-proof your economic stability.

How to Reduce Credit Card Debt

Many people in the UK find that they have to face up to credit card debt problems at some point in their life. The convenience of credit cards combined with their high rates of interest means that it is all too easy to get into financial difficulties. For people looking to reduce their credit card debt there are a number of options.

Credit cards should never be seen as a long term borrowing option. The average interest rates payable at 16% or more are at least twice as expensive as an average comparable loan, so it makes sense where possible to minimise credit card spend in favour of less expensive forms of borrowing. If you do find that you are constantly struggling to make credit card payments then the first step should be to simply try to reduce how often you use your cards.

The high interest rates associated with most credit cards means that maintaining large levels of credit card debt is both risky and highly wasteful. By only making the minimum payment each month it can take years if not decades to clear credit card balances, all the while wasting an incredible sum of money in interest payments. If you owe money over several credit cards then it makes sense to initially concentrate on paying off the balance on the cards with the highest rate of interest. This way you are reducing the rate at which the debt is increasing.

You should also consider transferring the balance to another credit card which has a lower rate of interest. Credit card companies are very competitive and as such there are some very good 0% balance transfers and purchase offers available. Look to take advantage of these, but make sure you have a plan in place on how to deal with the balance when the offer finishes.

For more substantial credit card debt problems you may want to consider entering into either an informal Debt Management Plan or into an Individual Voluntary Arrangement (IVA). Both of these types of agreements will consolidate your debts into a single monthly repayment making it easier for you to manage your debts. Additionally they can stop interest and charges relating to the debt meaning that you are able to repay what you owe over a much shorter period of time.

Get Loans Via Sms With Sms Loans No Credit Check

In this age of information technology where everything can be accessed with the click of the mouse or just by a call or text than how can the loan providers ignore this aspect? With our payday text loans no credit checkwe have tried to make your life much simpler and easy when it comes to getting a cash loan for meeting some of your urgent needs which needs instant attention. We have tried and made the process of application so simple that you just have to text/sms us to get a loan and our representatives get back to you to complete the formalities and help you out in getting instant loans. The process is so fast that the cash gets transferred to your account within 24 hours after the approval of your sms loans no credit check. We do not believe in doing credit checks and your bad credit does not really counts much when applying with us for a loan. Your bad credits would not be hurdle for you to get a cash loan for sorting out your urgent needs of paying up medical bills or utility bill or renovating your house or may be anything which you want to spend the money on. We with our loans do not put any conditions on the use of the amount given by us and also provide you with easy and flexible repayment options. The interest rates are very much competitive with other loan providers. We do not ask for any guarantors or collaterals as we understand how difficult it is to find a person who is willing to take the responsibility of your loans. We dont do asset valuation and give you the freedom from tiring paper works and faxing with our simple application process. So now all your worries of cash needs end here with our payday text loans no credit check.

So hurry!!Apply now!!By just sending us a text or sms for availing a loan with us and do not worry about your bad credits. We have partnered with leading loan providers in the UK markets who help you getting a Text loans just via a SMS.

Use And Check Bin Lists To Prevent Credit Card Fraud

Checking credit card BINs could be a very effective practice in preventing fraud. A criminal activity, fraud could possibly get beyond control should you choose absolutely nothing to address it. It is easy, for example, for somebody to utilize a stole card to purchase a web-based product – all that is needed the credit card number and 3 digit for that transaction to occur. When the card was discovered to become stolen, the issuing bank will be sending a chargeback, and also the funds will be presented to the initial card owner. Observe how BIN lists and charge card validation will be your arm of protection.

A financial institution Identification Number (BIN) may be the first six digits from the numbers on various financial cards. These digits identify which network the credit card is associated with, in addition to which financial organization issued it, the nation of issue, and also the card type. A BIN list is really a highly great tool to avoid fraudulent transactions. Common like a BIN database, their list contains valid card information you can use for charge card validation purposes.

Many merchants make use of the prepaid flag and county of issue flag within the BIN database when examining the BIN quantity of a submitted card to alert these to whenever a suspicious order continues to be placed, to allow them to either inspect it more closely or just reject so that it is safe. This hinders fraud before it may even happen, and business people – particularly those who participate in e-commerce – will discover it an essential tool to possess.

Check BIN databases and you will see details about VISA, AmEx along with other cards. When a transaction is marked, a fast, real-time check is performed to validate the BIN from the submitted card. Otherwise valid, or it reveals conflicting information, the transaction is going to be rejected immediately. This can be a proactive method of conducting business, rather than needing to recover goods from fraudulent transactions afterwards.

To validate credit cards via a check-BIN action could be a breeze. As one example of, there’s a programmable, XML Web service available you can use by internet sites to integrate location and charge card validation to their online computer programs and business processes. This helps companies retain better insight of card information, reduce chargebacks, and stop fraud. Here’s one of the ways these types of services check BIN. When the card BIN indicated a financial institution in Usa as the customer’s billing address is within a ecu country, the transaction may demand extra scrutiny just before approval.

Credit Card Bin Lookup Helps You

When people shop for items and services, they normally pay with their credit cards. This in turn brings the BIN or Bank Identification Number into play. These BINs are used widely on a day to day basis. Even if you are paying without a credit card or debit card or even a gift card, you will still find that using the BIN number is necessary.

Produces necessary information

The BIN involves six digits that are actually the first of a complete cred it card number. A credit card bin lookup makes use of these BINs to produce the necessary information that can help a merchant and cardholder in many ways. Since the high numbers of credit card users has led to wide scale credit purchases, it makes sense to take steps that can help prevent credit card fraud. There is a very high risk that a fraudster can try using a credit card (with fictitious umbers) to defraud you.

Defend yourself against credit card fraud

Credit card bin lookup helps you by using a CC BIN database. This database holds a high number of credit cards and information related to the card. To defend yourself against credit card fraud, you need to make use of credit card bin lookup.

You may have to tailor your credit card bin lookup to suit a particular credit card. So, if it is a Visa credit card, there is no sense in using credit card bin lookup on a BIN database that does not contain information on VISA credit cards.

Numerous BIN lists

There are numerous BIN lists out there that are dedicated to holding information related to particular kinds of credit cards. So, rather than do a credit card bin lookup on a BIN database that does not contain information on your credit card, be sure to perform the credit card bin lookup on a database that is created for just that particular credit card issuer.

It is easy to perform a credit card bin lookup on a BIN database and for different purposes. You can do a credit card bin lookup for business purposes or for personal use and even for secured credit card transactions. In any case, the credit card bin lookup will be able to provide some very timely and effective help to ensure that you do not get duped by credit card fraudsters.

Compared to doing a manual credit card bin lookup, the automated credit card bin lookup is a far superior option. No one has the time money or inclination to check each record in a voluminous BIN database. An automated credit card bin lookup will do the job more completely, efficiently and in less time.

The end result of using automated credit card bin lookup is that not only do you get information on a timely manner but you can also make your operations less costly and in this way enjoy a second and very important benefit.

So, if you have not already decided to use credit card bin lookup, it is time for you to act as every second that is allowed to go without doing a credit card bin lookup, you could be losing money and much more.

Balance Transfer Credit Cards Aim To Minimize Revolving Debts

For a credit based economy like ours, credit cards are nothing short of a lifeline. After all, people do not mind buying in a “purchase today pay tomorrow” format. Credit cards give us a reason to smile but a reason to be sad too. If you use them judiciously, they can ease your liquidity burden a lot. On the other hand, if you use them carelessly, they can increase your revolving debts and throw you into a debt trap. Apart from using credit cards prudently, it is also important to choose them with care.

Zero APR cards and balance transfer credit cards are often believed to be the best. They offer great introductory rates, minimum processing fee and surcharges, and levy lenient late fees if you make your payments late. Balance transfer credit cards allow you to shift all your outstanding balances from other card companies to the new company.

Balance transfers can boost your morale a great deal. This is because they allow you to put all your separate loans into one loan. When the number of debts decreases, a person feels at greater ease. Also, most of the balance transfer credit cards offer an interest free period. If by some means, you can pay the amount within the specified period, the credit card companies do not charge you anything. This is not all; you get loyalty bonuses to retain their services too.

In short, these are advertising techniques to draw the attention of consumers. However, they do not aim to fleece the consumer but help him in his tough financial hours. In general, your new credit card company will benefit you the most by helping you pay off high interest loans, rather than giving you the opportunity to take out new cash advances. Thus, one can conclude that those consumers who do not take cash loans from their cards are likely to benefit most from such cards.

Credit card companies throw a lot of incentives at consumers to attract their attention. An introductory low rate is one such incentive. It allows a consumer to save money, as he does not need to pay the interest amount that he would otherwise have paid. If he can clear the principal balance on his purchases within the specified period of time (clearly mentioned in the introductory plan), the companies do not ask him for any extra amount.

If one remembers the exact expiration dates of the introductory rates, he can keep jumping from one to another to make interest free purchases. A consumer can also choose to put the amount in his savings account and earn interest on the money. He can do a fair bit of saving this way if he pays attention to the introductory rates.

Free Credit Report Credit Reviews Unmasked

Credit report of a individual helps to know about good or poor credit history. It can be effortlessly availed for no cost. There are people who periodically check their credit report to know about their credit score scores. Individuals who require great financial lifestyle should keep checking their credit reports to maintain great credit scores.

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The government has mandated free credit report info to be viewable to the typical citizen at minimum once for each calendar yr. This has confirmed to be a major asset for many people that never really comprehended their financial history and how their three digit scores were determined.

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Difference Between Credit, Debit And Charge Cards

There are many people who have been using credit card and there are also many who are still in plans to get one. Before applying for credit card one would like to know what is the grace period. The grace period is basically the time given to the person to pay the credit which is usually of one month. During that period you will not be charged any interest.

Before getting a credit card you should inquire about few details so that it becomes convenient for you to use it. The most important thing that you should know what is the duration of the credit that one can pay after making purchases. According to the credit card company laws, they have to send the person bill at least before 14 days from the due date, hence giving the credit card holder ample of time to pay there bills.

Credit Cards vs. Debit Cards vs. Charge Cards

Few differences between credit cards, debit cards, and charge cards:

Credit Cards – In case of credit card, the bank or issuer extends credit to the card holder, thereby lending the card holder money upon demand. Credit cards are basically revolving credit because interest is charged on the amount of money that you have borrowed which is not repaid fully at the end of the billing cycle. Credit cards are, for all intents and purposes, revolving credit loans.

Debit Cards – Debit cards are an alternative form of cash. The card is same as that of the credit card, size and shape. Debit cards can be used only till the limited amount that is the available cash in your account. One cannot get any kind of credit on debit card as this is limited to the amount that you have in your account. There are also many advantages of debit cards like you do not need to write checks, one can withdraw cash from ATMs at anytime using them to order merchandise through catalogs and the Internet.

Charge Cards – Charge cards are short term extensions of credits that have to be completed in one billing cycle. With the charge cards one does not get the facility to pay the bill in installments, one has to pay it in one time.