If not managed properly, a credit card can have a massive negative impact on your credit rating. For this reason, you shouldn’t just apply for credit cards on a whim; You need to weigh up all the pros and cons and all the benefits before making any decisions. Shopping around to get the best deals on your credit card is always a sensible option, so here is a list of things that should look out for when you do.

1. Annual Percentage Rate (APR)

This is the cost for using the card if you don’t pay off the balance in full every month. Have a look around for credit cards with the lowest APR, so that you have to pay less interest back if you can’t pay the balance off in full for a month or two.

2. Credit Limit

This is the amount of money that the credit card issuer has agreed to let you borrow. This amount will vary depending on your credit score, current financial situation, and other facts. Because of this, you could be offered anything from a couple of hundred pounds to thousands. Regardless of your credit limit, you will want to avoid spending anywhere near your credit limit, as this will negatively impact your credit score.

3. Annual Fee

Some cards add a fee on top of your balance each year for the use of your card. Like with the balance, you will have to pay interest on this fee unless you can pay the full balance at the end of the month.

4. Charges

Ensure you know of any possible charges for using the card, going over your credit limit, spending money abroad, or making late repayments to avoid any nasty surprises. You can check this on your credit agreement.

5. Minimum Repayment

Even if you can’t afford to pay the full balance each month, you will still be required to make a minimum repayment. This doesn’t tend to be more than around £5 or 3% of your balance, but you should try to pay much more than this otherwise it will take longer and cost much more to pay off your debt.

6. Cash Back

Some credit cards will refund you a percentage of your spendings back onto your card. Even if a credit card advertises cash back, you will want to check the small print, as they may only offer this for customers who spend less or more than a certain amount, or ones who have paid off their balance in full at the end of the month. Websites like best.creditcard compare the cash back offers from a range of different credit cards, as well as other benefits.

7. Points & Rewards

Some credit cards offer points every time you spend money which can later be converted into different types of rewards. These rewards can include vouchers, loyalty points for supermarkets, or even football merchandise.

Be sure not to apply for many credit cards in a short amount of time, as this will harm your credit score. Instead, compare the benefits and see which one fits you best, and ensure you make your repayments if you are accepted.

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All businesses need to begin with a good idea and a target market that can sustain it. You may very well have those, but you’re still not getting the kind of revenue in return that you hoped for. Was the enterprise just doomed to fail? Most likely not. Instead, you might have to look at the different steps of acquiring revenue a little more closely and make sure you’re maximizing the potential of every one of them.

The source

Your revenue source is going to be the most important part of the question. You might find yourself hitting the cap on the streams you already have and finding you need more. In that event, you must start looking at the opportunities for new business. New product variations, new locations, new additional services. You don’t have to radically change the business to find a source for new business. You can even look into using the brand in new ways, like selling your expertise to other business owners.

The customer

Being competitive with your prices sounds like a realistic tactic for taking on some of your more established competitors. But the truth is that customers are often willing to pay more than we expect them to. They’re willing to pay it when a business truly invests in better customer service and more interactive communication. A study showed that 39% of customers feel that most companies feel to live up to their expectation of customer service and that 73% are willing to pay more for better service.

The payment

As important as the customer service is how the customer actually pays. In many ecommerce platforms, poor user interfaces can confuse the purchasing process, leading to what’s known as shopping cart abandonment. But the actual payment methods can be just as big a sticking point in both ecommerce and brick and mortar business. If you’re not looking at service providers like PayPal and sites like creditcardprocessing.xyz, you might very well be looking at the prospect of losing customers who don’t like having their payment options limited. Make your payment process simpler and more flexible. That’s an easy way to unlock more revenue if you have a happy customer base.

The return

That happy customer base needs a lot more attention, too, not just the new consumers you’re trying to welcome to the business. It takes considerably less investment to retain customers than it does to convert them. Nowadays, services like loyaltylion.com are boasting stats like contributing to 5.3% or 6% of a business’s annual income, which can be a huge boost. A focus on incentivizing customer returns also has the knock-on effect of creating brand fans that then go on to lead to more new customer referrals, too. It can very well hit two birds with one stone.

The more value you provide, the easier it becomes to capitalize on that value, and the more you go on to keep delivering it, the more money the business will make. Keep the tips above in mind the next time you’re thinking of how to start making more money.

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Each year we see certain things come to the forefront of the investment and trading world. These things grow in value quickly and are predicted to keep increasing in value into the near future. As such, they’re perfect investment opportunities for anyone looking to get in early and cash in when the assets peak.

In 2017 many things are catching the eyes of top investors, and we’ve narrowed down the list to these things down below:

Amazon

When it comes to the fastest growing stocks in 2017, Amazon.com is right up there. This has really been the year that Amazon has started to kick start a few new projects. Their video streaming service is improving as they add more exclusive TV shows and movies. Not to mention they’ve also acquired the rights to stream various sporting events live on Prime Video too. Then, there’s their biggest move yet which saw them buy Whole Foods. With so much diversification all in one year, the future looks very bright for Amazon. Experts predict the share prices will rise considerably, so this is the time to get involved and earn a piece of the Amazon pie.

Bitcoin

Bitcoin is the world’s most famous crypto currency, and it’s really skyrocketing in 2017. It’s fair to say that the price of bitcoin has risen quite dramatically since it was first around. These days, while it may fluctuate in value during a day, it’s generally predicted to keep going up and up. Plus, with things like Bitcoin IRA, you can now invest using a retirement account or your 401k. As such, it’s become more accessible now than ever before, which opens up your investment opportunities. Other crypto currencies are slowly creeping up on bitcoin, but it may be a year or two before they make a ‘fastest growing investments’ list. If you want to go crypto, bitcoin is the way to go.

Virtual Reality

If you’re looking for an industry to invest in, virtual reality is one of your best bets. It’s an industry that saw sizeable growth throughout 2016 and into 2017. More companies are creating virtual reality software, and we should see a lot come to fruition in the next year or so. Just the other day Apple announced the iPhone X with augmented reality built in. This paves the way for more virtual and augmented reality in the smartphone world too. One thing’s for certain, if you’re looking for a fast-growing industry to invest some money into, virtual reality is at the forefront of things right now.

While these investments differ from one another, they’re all incredibly fast-growing right now. Granted, some may still be expensive to invest in, but the potential rewards outweigh the investment costs. All three of these ideas are set to become even more valuable in the future so you can save money by investing now instead of later. The great thing is, they’re all fairly steady investments too. They’re growing fast now, which means you shouldn’t have to worry about extreme price fluctuations over the course of a year or so. If you want to get involved, there’s no better time than the present.

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We always want to know little hacks for daily life, usually in the form of needing less effort to accomplish something or finding a cheaper way to fix or obtain items. However, situations vary a lot and the more serious the issue, the more we search desperately for ways to get around it. So what can you do if you’re out of work? First of all, don’t worry. If you’re out of work, whether it be your fault or not, there’s plenty of things you can do to make ends meet each month. There’s never any shame in needing a little help, even in the form of looking to someone else for answers, so read on for a few good ideas that can bring in some easy cash to make the hard times a lot easier.

Important First Steps To Take When Out Of Work

First of all, considering hiring a service such as LaPorte Law Firm if you think you were unfairly dismissed or aren’t getting the benefits you’re legally entitled to. It’s the best move in a situation when you’re out of work and your dismissal doesn’t feel right. Finding someone who specialises in social security means bills will also be a lot cheaper!

Also, try digging into your savings account if you have one. It can help pay off any debts if you’ve been laid off, and keep a few things at bay, most of all any collectors. Your number one priority at this kind of time is looking for a new way to bring in a stable income; in other words, a new job. Make sure you’re getting all the help you can with things like rent and mortgage most of all, so see if you’re owed any back pay or deductions in terms of tax.

If You Have The Commitment, Join A Blogging Platform

Making money at home couldn’t be easier when you have an internet access and some spare time. Vlogging and Blogging means you’re exposing yourself to some kind of audience, which also means advertisers will be exposed to them as well.

One of the main ways you can start bringing in extra cash every month is through placing ads on your pages. The most popular way to utilise an ad is to host a CPC (cost per click) banner or sidebar. Every time a visitor to your site turns into a customer by clicking through the ad, you get paid for it. It’s that simple!

Yet depending on the amount of visitors you have to your blog, some advertisers may even approach you with exclusive offers. If you can offer them exposure then you’re guaranteed a few offers from all different kinds of products, whether they be big companies or small. You can even write sponsored posts to advertise something in the form of reviews, and they’ll often send you the product for free!

Sell Off Your Surplus

So this category is going to have a lot of stock to it, but that’s just representative of how much you can sell off if you don’t want or need it anymore. So, got some clutter laying around the house? Spruce it up and put it on an auctioning platform! This can seem a lot like common sense, after all, everyone uses a yard sale or Ebay at some point to get rid of something. However it’s a much more lucrative market than you may have first thought.

We need to get into a lot of detail here. A lot of specialty stores and sites exist for each kind of item, so look around for a good place to get the best money for value. DVDs and CDs are one of the main sources for this, so polish up any old records and get rid of them.

You can even use social media to find the best market place and the most competitive prices. It’s also a lot easier to talk to people in real time. Facebook is good for this kind of selling, as it is specialised for this kind of action.

You can find cash for clothes centres, meaning you can just fill a sack with any clothing items you no longer want or fit you and finally get rid of them. It even means you get money in hand on the same day.

If you have a vegetable patch in your garden, now’s a good time to harvest and sell off what you don’t need at places like farmer’s markets, if you like being surrounded by competitive prices and the good smelling produce. However you can once again sell off anything you’ve grown online, and find advice on making the most money for value.

Write Your Own eBook Or Make Images

If you have some writing skills or photoshop proficiency, then you can sell anything you craft from these online as well. Creating products in a digital format means anyone will be able to access them, immediately increasing the market you can sell to.

With an eBook, you should have a good amount of time to work on writing a story if you’re out of work. Don’t just rush something out because you need the money and think people will be interested in whatever you have to offer. Making quality content is the best way to get visitors and potential customers to click on you. Similarly, drawing in photoshop takes some time to do well, and you can even take commissions from people.

It’s even better if you already have a blogging platform to work off of, as you can introduce your products to loyal readers and have them interested from the start, which means word of mouth advertising in real life as well.

So there you have it, a few hints as to what you can do to bring in some money when you’re out of a stable income. You can do any and all of these things, so don’t panic about how little each one seems to make alone.

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Every standard investment advice consists of making a big purchase in the shape of a house, as it’s generally viewed as one of the best ways to get a good return, or if you ask for another item to invest in, most people will say get another property! But are there other options for investment that don’t involve four walls and a roof? Well, surprisingly enough, there are!

Precious Metals

Precious metals like gold are considered to be quite controversial assets. Some people see them as a no-brainer and are a foolproof investment, and while others may view them as a nightmare, the fact is that the truth is neither here nor there, but they are responsive to certain market conditions. Precious metals appear to gain value when the dollar is weak, and then weaken when the dollar is strong in value. However, this is not an exact science. And of course, we don’t know when this will occur, so it’s best to have some precious metals available at all times. The great thing about items like gold bullion is that you can purchase them and keep them safely at home.

A Boat

A lot of people would consider a boat to be a terrible investment. However, this is largely due to the upkeep and maintenance of the boat. The financing alone can be crippling, but there are sites like boatfinancing.co that can show you the best options for getting a loan to purchase a boat. As time goes on, and the concerns about rising water levels and the threat of natural disaster at every corner, it would be very sensible to own a boat. So not only is it a sensible investment right now, but it’s something that is going to be highly desirable in the coming years.

Peer To Peer Lending

As a way to remove the middleman out of the equation, this is a great way to get a higher rate of return. It benefits both sides, the investor, and the borrower, as the borrower gets a lower rate. Many organizations specialize in peer to peer lending, such as ratesetter.com, but there are plenty of other peer to peer lending platforms that have a decent return on investment, you just need to look for them. But you need to beware that with certain lending platforms, you may be required to invest more than $50!

Wine

Yes, believe it or not, wine is a great product to invest in because it can increase in value as it ages. With the right type of vintages, these can be highly sought after, and you can make a decent amount of money. Of course, to make the most out of this investment, you need to have a good understanding of wine generally, but you also need a room to store them in that is temperature-controlled. To get a substantial profit from your wine, you will also need to buy in bulk. In addition, you need to keep notes of when you bought certain vintages and where from, as these are vital trinkets of information to wine connoisseurs.

You see? There are more investment ideas than a house. So take some of these ideas on board and start investing!

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