Category Archives: Finance

Countertop Replacement Estimate

If you like to do home projects, replacing a countertop is the perfect job for you. It is not hard but does require two people and this is because of handling the countertop itself and aligning it up when it is time to put the new one on. If you are not sure where to start then you need to start with an estimate.

You can go to a couple of companies and then a Do-It Yourself store to price out the cost of the materials. What you would want to compare is apples to apples and this means the same materials. If you are replacing your countertop with a specific material then that is the material you get your countertop replacement estimate on. In the end if you change your mind on the material you are going to use then you know what the company is going to charge for your original idea.

Sears offers kitchen remodeling services and this would be a place to start. Everyone knows the store name and a good reputation on their products and services. You may want to pick out another company in town that the local people use depending on where you live and the last countertop replacement estimate will be your own. Of course, it should work out that you are cheaper because you are not charging yourself labor costs.

A few of the things that you would want the company to describe and define for you is the material for the countertop, the other materials needed to complete that project, the initial measuring and ordering with a time frame of how long this will take to get the countertop in and the project started and then how long your kitchen will be out of commission while they are replacing your countertop. You would not want a company to take a month to do this job. Unless, it is a special order counter and color. The job itself should only take a couple of days from start to finish. If you are doing the job yourself then it may take a little longer but this is not necessarily the case to replace a countertop.

Another item you may want a company to cover is the financing and that is when you need to pay them. As part of the countertop replacement estimate, this should be written down if the monies are due at the beginning of the project. In payments or when the job is completed to the customers satisfaction. If you want the companies to finance the project then ask them upfront if this is a service that they provide since not all companies offer financing to their customers. They may suggest a financial institution that they work with that you can apply to get the monies. Do not leave the financing question until the end. Once you have decided on the best countertop replacement estimate then schedule it and get it done.


WIN-WIN GUARANTEE!!! Part 5 – works on a performance basis. They’re paid only a percentage of the price savings they deliver to you. You pay them nothing from your existing money flow. And they give you a risk-free trial. That is why they call it a Win-Win Guarantee. See for yourself. Begin saving dollars on your credit card merchant processing services these days.

LEARN ABOUT..RATE LOCK SERVICE!!!! The Houston Ship Channel is home to numerous companies, some really large, that offer goods and services to the oil and gas, construction and other Houston industries. Nearly all of those businesses accept credit cards for payment and have a merchant account. All of them want to discover about your Rate Lock service. I want you to know that I will do all I can to tell them about We are most appreciative for what you’ve carried out to support us control our credit card processing costs. We wish you well in obtaining your breakthrough procedure into wide use. H. G. B., President Industrial supply Store Houston, Texasxas

BREAKTHROUGH PROPRIETARY PROCEDURE!! This purpose of this letter is to comment on the service has provided to our hotel group. When we very first talked four months ago you explained to me the breakthrough proprietary process your business had developed. You said that your company could analyze our merchant credit card processing statements and figure out regardless of whether we had been paying far more than the fair costs for the services being provided by our processor, Heartland Payment Systems. You said that with further detailed analysis you could ascertain precisely just how much we had been overpaying. We doubted that could do what you said. Nonetheless, you proposed to work on a contingency basis and be paid only a percentage of the savings you delivered and documented to our company. We saw no reason not to allow your business to try to lower our group’s merchant credit card processing costs. In our minds it was a “no-risk proposition” as you described it. We had thought for some time that we had been paying too a lot, but we had no thought of how our monthly bills may be reduced.

NOTICE: The review of this business is real. This positive testimonial review for, in Houston TX might be modified to qualify as unique content within the review space provided herein. Contact, in Houston TX at (877)510-0615 for more FIVE STAR****Business Reviews and Ratings. is a new business formed to fill an unanswered will need. About 13.5 million American businesses accept credit and debit card payments. A six-step electronic interchange procedure completes payment to merchants who accept charge cards.

Interchange is handled by credit card processing companies, some of which are really big. Annual industry sales exceed $48 billion.

Clients don’t change processors or purchase any equipment. They’re given a risk-free trial and pay only for performance, as a percentage of the documented savings achieved each month. typically saves clients 10%-25% of prior monthly processing costs.

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For more insider tips and advice visit CREDIT CARD PROCESSING COMPANIES

Annual Free Credit Report

When discussing Free Credit Reports and Credit Scores, it is important to know just what the differences are between the two.

Your Annual Free Credit Report lists the full detail on all your credit accounts. It tracks your past payments on all your loans and credit cards. Your credit file is different than your credit score. Your credit score is a number that ranges from 300 to 850.

Your annual free credit report provides you with information that is in your credit file maintained by the consumer reporting companies which could be given in a report about you to a lender.

Your credit score is a number from FICO, and is a mathematical model that evaluates many different types of information in your credit file. Your FICO Score is used by a lender to help them determine whether you might qualify for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending you money or providing them with a service. In other words, the likelihood that you would make your payments on time in the future. The higher your credit score, the less risk you represent to a lender.

The credit score you saw last year or even last week for that matter, was a snapshot of your credit file at that moment in time. Credit scores are fluid and can change anytime your credit report file is updated with new information.

If your credit score number is lower than you would like it to be, here are a few ways you might improve your credit score.

Pay Down Your Debt

Decreasing your “credit availability to credit use ratio on all revolving charge cards to under 25% of your credit limit is the easiest way to improve up your credit score. In otherwords, if you have a $10,000 credit limit on a credit card, you need to keep your balances under $2.500. Credit scores can really take a hit if your account balances are above the 50% credit limit.

Get A Visa Secure Card

Secure cards look like any other credit card offered by your bank or credit union but the difference is you actually deposit funds into your secure card account. The good news here is that your secure card account is reported to the credit bureaus. This way having a good track record on the account will certainly help improve your credit score.

Apply For A Small Personal Loan

Using your savings as collateral on a small personal loan is a great way to get positive information going into your credit file. These are low interest loans that are paid back in months rather than years in most cases.

Use Retail Store Credit Cards

Retail cards have smaller credit limits and are pretty easy to get. If you behave and pay your bills on time or even better, payoff those balances every month, your credit score has nowhere to go but up.

Keep Your Existing Credit Accounts Open

Accounts with a long history are always better than accounts with short histories. Never close an old account when opening up a new one.

Review Your Credit Report At Least Once A Year

Start today by getting your free annual credit report. You need to know just what is in your credit report file before you do anything else. We recommend that you order your credit score at the same time as well. Make sure that the information from each credit bureau match up. Important things to look for are wrong social security numbers, wrong addresses (current and past), unauthorized account inquiries, past employers, and any late payments.

You should always stay on top of your credit reports and credit score before you apply for any loans or credit card.


Are you in need of a quick finance urgently which does not require heavy documentation or paperwork? If yes, 24 hour bad credit loans help you to meet all your requirements at the right time whenever the problem arises. Now you can fulfill all your dreams within less time and get instant credit without any hassles.

Such finances can be availed in both secured and unsecured forms which can be utilized for various purposes such as to pay off electricity bills, medical bills, education fees, wedding expenses, car repairs, wedding expenses and debt consolidation.

To avail this finance you need to meet our eligibility criteria such as the borrower must be a permanent citizen of UK, he should be above 18 years old, he must have a stable job with a regular income of 1000 and you must have an active bank account. This finance can de availed within a short span. By comparing different loan quotes you can get better deals from the lenders.

By applying for 24 hour bad credit loans you can experience numerous benefits such as:

Instant cash within 24 hours of application.

Least documentation and paperwork required.

Quick availability of cash ranging from 200 to 25000.

Easy repayment period up to 1-30 days.

Easy and simple application procedure.

The borrower is given cash ranging from 200 to 25000 and the repayment period is 1-10 years that change according to your needs. Online application is easy and can be instantly approved without any hassles.

All you need to do is to fill a simple online application form with your basic details. The lender will verify your information and approve the loan amount within 24 hours directly in your bank account.

Ricky Arnold is an experienced author that holds a master degree in Business Administration. He is at present associated with Bad Credit History Loans as a finances advisor and provides his valuable suggestions to the masses. For more information related to 24 hour bad credit loans, bad credit loans and bad credit payday loans you can log on to

Consider a College Student Credit Card a College Necessity

Parents of college students may hear the words college student credit card and want to run away fast. But it doesn’t have to be that way.

Having a credit card gives a student the freedom they desire to spend money the way they want. However, there is a chance that they can be out of control with their spending and not realize that they must pay that money back at the end of the month.

Some people believe that credit card companies target college students because most of them are nave about money, and have uncontrollable spending habits. As a result, they can get more money out of these nave college students in the form of fees, finance charges for high balances, and high interest rates. In addition, some colleges receive a percentage of money from the credit card companies for providing them with the space on campus to solicit the students, and allowing them to mail the credit card information to the students.

On the other hand, some argue that it is actually a good thing that credit card companies give students a credit card because it teaches them early the responsibility of having a credit card, developing a credit history, and learning how to spend wisely. If a college student has a responsible credit limit, amount they can spend, on their credit card it will keep them in check as to how much money they can spend and then have to pay back. The student years are a great time to establish a positive credit history.

If you are a parent who wants to get a student credit card for your child, the first and most important thing to do is research what available cards are out there. There are many attractive credit cards available, but they are not all beneficial for your child. For example, there are some that offer cash back or reward points for using the card. Then there are some that offer a low or 0% interest rate or no annual fee. You know your child fairly well, therefore you will know what card would be best for you child.

Another option of credit card that parents can get for their child is a prepaid credit card. With this card, a balance can be set and added to the card whenever you choose. This way, you set their budget so that they don’t go overboard with their spending. Prepaid cards still give the student freedom, while it gives you the ability to monitor their spending. The only downside to a prepaid card is that it does not establish a credit history for your child.

There are many choices for credit cards available, and all it takes is setting aside some time to do the research. Take your time so that you make the best option.

Before you head off to college, take some time to compare student credit cards. Here are some of the best student credit cards online. If you are done college, consider applying for cash back credit cards instead.

Achieve Good Credit Consolidate And Eliminate Your Debt

It may be time to consider getting a personal consolidation loan. Every year thousands of people default and file bankruptcy in order to eliminate debt and get a fresh start. However the consequences of this procedure are devastating to your credit and last a long time. So instead of making rush choices, take a deep breath and reflect on consolidating your debt.

Debt Consolidation Loans Explained

Debt consolidation loans are meant to aid people in bad financial situations, they let you manage your current debts, reduce or eliminate them sooner. The truth is that there are ways of reducing debt without consolidation but it make take many years to do so. This is especially true if a lot of credit card debt is involved, since credit cards interests are a lot higher than the ones charged in consolidation loans.

Debt Consolidation Benefits

A debt consolidation loan will reduce your multiple monthly payments and bills to a single installment. Moreover, the amount of money paid each month will be substantially reduced since there will be smaller interests paid, and less extra charges and other costs. However this may lead you to incur into more debt, so you have to pay special attention to this fact and avoid getting into more debt.

Credit card balances tend to increase because the option of paying the minimum is tempting but this will eventually lead to a spiral of growing debt and may easily get out of control. You should act speedily against this situation, obtain a consolidation loan, pay off and cancel all of your credit cards but one or two.

Even if you stop using your credit cards, the finance charges may be higher than the minimum payment required, thus your balance will still increase. Since Consolidation loans have lower interests this tends to help you reduce your debt, as more money from your payment is used to reduce the principle balance and less goes to interests. In a short amount of time you will end up debt free.

However, with this reduction on your debt, you may be tempted to start again spending money on things you might have been postponing. You need to refrain from doing so and destine any extra money you get to repay your debt. Once you have recovered your ability to get finance at reasonable rates you can retake again non essential expenses.

Credit Rank And Credit History

Also you will experience an increase on your credit rank and an improvement on the reports on your credit history. This is due to the fact that your debt will be reduced, you will be paying fewer interests and above all you will have less loans and debts outstanding and less creditors on your back.

Also, the monthly payments on your consolidation loan will keep reducing your debt and be recorded on your credit history. As time passes, your credit score will keep rising till you reach a good credit tag and your credit report will be shiny and clean from those previous stains. It is not such a long process if you have discipline and make sure not to miss payments and avoid paying late.

Melissa Kellett is an expert loan consultant who has worked for twenty years in the financial industry and helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and many other types of loans and financial products. If you want to learn more about Debt Consolidation Loans and Bad Credit Loans you can visit her site

Realizing The Importance Of Credit Card Debt Consolidation Loans To Consolidate Bad Debts

The person going through a credit card debt will have to make a big attempt to get rid of from debt. Even by paying the least amount each month you will get under such conditions and it would be rather difficult to get out of it. Then it would only the way to loans to consolidate credit card debt for you. Consolidating your debt is the process in which you assemble or merge all your credit cards debt and appoint a consolidating company who will pay off all your debt to your respective creditors and you have to pay only one monthly installment to that company and concern for a single interest rate.

Doubts concerning debt consolidation? Clock Now !!

The credit card companies provide the debt consolidation help to the people to consolidate credit card bills or debts for people not able to pay off their debts because of financial crisis. You should know that by paying only minimum amounts on your credit card your rate of interest will increases making your debt going up and places it in a nasty cycle. Credit cards bought with you with interest rate makes you under huge debt. Moreover people realize about their debt after a long time. They usually transact with their various credit cards and later on they feel when they come across the amount to repay. This situation makes the person to file bankruptcy in the later period. It may happen that the time comes when you can even not able to fulfill your basic needs of life. Hence it is better to come up in the correct time and try to spend economically. Credit consolidation will likely save you money on the fees forced by the credit card companies. By restraining the number of cards you use, you can consolidate debt and simplify payments with credit consolidation.

You should search out for a better company that can make you out from these conditions for getting secured or unsecured credit card debt consolidation or for personal loan debt consolidation. It is not god to live in a position with debt and strain. You should go further with the instance to check for the companies which provide you the service of such loans online on internet. You must study carefully the various sites online to gather details that assist you to choose the deal that best suits you. The faster you pay your credit card debt the sooner you will be debt free.

Getting Your Green Dot Credit Card Where To Go And What To Do

To most consumers, prepaid credit card deals sound almost too good to be true. Consider this offer for the popular Green Dot credit card. With a card from Green Dot, you’ll enjoy the security and convenience of a traditional credit card without the interest rates, additional fees and stringent credit requirements. This precise set of benefits makes the switch to prepaid credit cards an obvious choice for many consumers. When you’re ready to join the ranks of those fighting back against traditional credit cards, here’s what you’ll need to know.

Available from Local Retailers
To get a Green Dot credit card, you don’t need to submit any information about your banking account or go through a credit check. You’ll only need to head to a local retailer and pick up a card from the prepaid card section. Check out a local drugstore like Rite Aid, Walgreens or CVS to get your card. Kmart and 7-Eleven also have a selection of prepaid credit cards available, which makes it easy for you to get a card while you’re already out running errands.

Getting a Card Online
You can also get a Green Dot credit card online through retailer websites or even through the company’s website. By purchasing your card online, you can sometimes have the initial activation fee waived. You might also be eligible for a special promotion or discount. Online retailers carry the same selection of prepaid credit cards, so you can choose the specific card that fits best with your lifestyle.

How to Buy Your Card
Prepaid credit cards are designed to simplify your life. Getting a prepaid card is much more convenient than going through the lengthy card application and approval process that you would with a traditional credit card. You’ll only need to follow these simple steps.

1. Pick the Best Card for Your Needs
When you get your first prepaid credit card, you’ll have several basic options to choose from. If you want a card for everyday use, there are standard Visa and Mastercard debit cards available. These cards are perfect for consumers who plan to use their cards for regular purchases and general spending. Parents can buy the Prepaid Student Card for kids going off to college or for teens who need to learn about responsible spending. The Online Shopping Card ensures secure transactions on the Internet for retail purchases, music downloads and more.

2. Look for Specials
Once you’ve chosen the best prepaid card for your needs, look for special discounts or activation offers. You can often find promotions from the Green Dot credit card like free activation or a monetary bonus with your first deposit. These incentives are a great way to get even more benefits from your first prepaid credit card.

3. Choose an Amount
After shopping for discounts and bonuses, it’s time to choose the amount you’ll load on your card. Some people prefer to use their prepaid credit cards exclusively for paying bills, while others use the cards for all spending throughout the month. To determine the best amount for your card, look at your budget and consider how you want to use your card. If you don’t put enough on the card initially, you can always add more money later. Of course, the money you put on the card will never expire if you don’t use it right away.

4. Activate Your Card
You can activate your card by going online or by calling the number on the back. When you register the card, you’ll need to have basic information like your social security number available. After you’ve registered the card, you’ll receive a personalized card in the mail. The personalized card will have your name printed on it and will work just like a standard credit or debit card.

5. Enjoy Easy, Affordable Spending
With your personalized Green Dot credit cards in your wallet, you’re ready to enjoy convenient shopping at any location that accepts Visa and Mastercard debit and credit cards. As you make the switch to a prepaid credit card, it’s important to remember to reload it regularly so that you’re never caught without cash. When you reload your card and use it for shopping and paying bills, you’ll never have to pay interest charges or credit card fees again. Like thousands of other consumers, you might wonder why you didn’t make the switch sooner.

Understanding the Credit Card Trap

Credit cards are an alluring trap invented by our modern financial system.

Buying something using a credit card is not bad, IF you have the income to pay the credit card balance in full when the statement arrives, plus all your other bills.

But buying with a credit card because you don’t actually have the money, is simply committing your future earnings to the credit company under the threat of a bad credit rating. That is financial slavery.

Over the past few years, financial experts have helped a lot of people to get out of the credit card trap with debt reduction programs. Helping people do this is not looked on favorably by the credit companies; they lose all that profitable interest. They take counter measures to hook more people back in by offering 0% percent interest for some period of time.

Are they really giving you 0% interest? Only if you can pay off the debt before the time frame is up. What they are counting on is you NOT having the ability to pay it off.

What happens if you can’t pay? Have you ever read the fine print on their -Terms and Conditions- agreement? Most agreements have an attractive interest rate in large print; 9.99% to 12.99% is typical. But, many rates are variable, meaning it is the -attractive- rate PLUS the -prime rate- which is what the banks are charging the credit company. This can add a whopping 6 – 9% on top of that attractive interest rate.

Read further and you’ll see the rest of the trap. If you miss a payment or are late, they have the right to increase the interest rate to well over 30%. PLUS, they get to add an additional $25 – 39 late fee. On a $1,000 balance, that is $52 – 66 in monthly interest and fees you must pay before you ever get to pay the first dollar of the price of the item you charged.

What else do the credit card companies have in their arsenal of weapons to make sure they make money from you?

First is that enticing -minimum payment- they offer which is mostly interest, and keeps you paying for whatever you bought for about 20 years. Second, they are now using invitations to get cash back from retailers or earn airline miles for every dollar you spend.

Who pays for that? You do. The credit companies charge the stores for the cash they give you back, and the stores raise the price you pay.

Credit card companies pay a tiny amount up front for each airline mile that they -give- you for every $1 you spend. On January 1, 2007 in an NBC TV news interview, the president of a major airline stated that it costs the airline industry $10 to fly you somewhere when you have earned 25,000 air miles to take a flight.

Who actually benefits financially if you charge up your credit cards to earn a -free- flight? It does not take a genius to see that trap dressed up to look like a big benefit to you.

Sandra Simmons, President of Money Management Solutions, Inc., has years of experience helping professionals and individuals manage their money to achieve their financial goals. Claim your FREE REPORT “The Formula to Increase Business Profits”

Credit Cards And Debit Cards What Is The Difference

Credit Cards and Debit Cards: what is the difference ?

The difference between a Credit card and a Debit card is that the Credit card is a postpaid
system meaning that the bank lets you spend money on credit, while the debit card is a
prepaid system meaning that there must be money on the card or on the account attached to
it before you can use it.

Credit Cards

A Credit card must be approved by the credit provider, the bank, before the
cardholder can use it to pay with at merchants who accept this card. Most cards have a
maximum amount of credit to be used by the holder.

When you make a purchase you will be asked to sign a receipt with the record of the card
details and the amount to be paid. If the card has a chip you can be asked to enter the PIN
number ( personal identification number). Many merchants also accept authorisation through
the telephone or an internet approval called a CNP transaction ( Card/Cardholder Not Present)

This electronic verification system allows merchants to check if the card is valid and the
cardholder has sufficient credit to cover the payment in seconds.
For the verification a terminal or POS system (Point of Sale) is used and the data on the
magnetic stripe or the chip is read for this purpose.

The cardholder receives a monthly statement with the purchases made and the total amount
to be paid. If the card user pays a minimum portion of the outstanding debt interest is charged
which is very often of a higher rate than a standard loan interest.

Debit Cards

Debit Cards are also called Check Cards or Bank Cards. It is called an electronic Check Card,
because the funds are withdrawn directly from either the bank account, or
from the remaining balance on the card. For payments over the internet no physical cards are
issued. To withdraw cash from an ATM machine Debit cards can also be used.

There are 3 types of payments with a Debit Card: 1 The PIN debit or online debit ,
2 the signature debit or offline debit and 3 the Electronic Purse Card payment.

Although the majority of the debit cards are of the Visa or MasterCard brand, there are many
other types of debit card which are only accepted within a particular country or region:
Switch (now: Maestro) and Solo in the United Kingdom, Interac in Canada,
Carte Bleue in France, Laser in Ireland, “EC electronic cash” (formerly Eurocheque) in
Germany and EFTPOS cards in Australia and New Zealand. The need for cross-border
compatibility and the advent of the euro recently led to many of these card networks
being re-branded with the internationally recognised Maestro logo, which is
part of the MasterCard brand. Some debit cards are dual branded with the logo of the
(former) national card as well as Maestro (e.g. EC cards in Germany, Laser cards in
Ireland, Switch and Solo in the UK, Pinpas cards in the Netherlands, Bancontact cards
in Belgium, etc.).