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The New York Night Owls

Who needs sleep when there are start-ups to launch? Between endless e-mail conversations and talkative co-workers, getting actual work done during the day isn’t always an easy proposition.

The New York Times has an interesting article about a group of entrepreneurs, freelancers, and software developers who have come up with a nocturnal solution to that problem.

Calling themselves the New York Nightowls, this group of roughly 30 techies meets every Tuesday night from 10 p.m. until about 4 a.m. t

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Get More Out of Your Card Than Introductory Incentives

When looking for a new credit card, it can be tempting to go with the card offering the most incentives just for signing up. Credit card companies know they have a lot of competition to gain customers so many will use introductory tactics to bring in new business. These intro offers are very appealing but often do not reflect the actual long-term conditions of a credit card. If you do not understand what is coming down the line, you can end up hurting your own finances and credit.

Credit card companies want to attract your attention fast. They want to offer you something you think you can’t refuse so you’ll sign up without thinking past the initial offers. Som

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Avoiding High Interest Rates and Hidden Fees

Credit cards can be used in many ways to improve an individual’s living situation, or enhance the investment capabilities of a small business. However, there are also many negative financial consequences that can transpire as a result of using a credit card irresponsibly.

Unfortunately the line between negligence on behalf of the cardholder, and trickery on behalf of the credit card company, is becoming increasingly narrow with each passing year. Credit card companies generate profits by charging exorbitant fees, penalizing cardholders whom are entirely unaware of the impending fee in most cases. F

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Potato Chips Hand

Those Japanese are so far ahead of us in snack technology.

Via: TOYS.BRANDO.COM

How to Update False Information on a Credit Report

There are many reasons why credit reports are requested, ranging from new business partnerships, prospective tenants or lease agreements, and  loan/credit card application approval amongst others. While credit reports are often fairly accurate, there are some instances when the information contained on the report may be outdated or inaccurate.

Fortunately, there are ways to change the information contained on the credit report. When information is found to be inaccurate by the credit reporting agency it is usually removed from the report or revised within thirty days of the complaint.

What Information Can Be Revised?

Although it is not possible to dispute the actual credit score, there are many details contained on a  credit report that can be disputed. T

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Practice of Consumer Profiling Widely Used

Credit card companies have long been in the practice of collecting data on cardholders for the purposes of determining credit risk for each current and future cardholders.  The Federal Reserve Board is one of the major oversight and regulatory agencies for these card issuers. The Board frequently does research and issues reports about the industry.

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The Advantages of Making Purchases with a Business Credit Card

Business credit cards are excellent for business owners that need to separate their daily living expenses from business investments. Business credit cards have generous credit limits that let the business owner purchase items and make investments that greatly contribute to the progression of their business, while also having low interest rates that make it easy to repay the balance each month.

Aside from these obvious benefits of business credit cards there are also distinct advantages associated with purchasing items with a business credit card.

Recording Expenditure
Another advantage of purchasing items with a business credit card is the ability to track business expenditure for tax purposes and investment analysis.

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