Finance Globe

With so many small business credit card offers to compare, it can take several hours (or longer) to gain a better understanding of what’s best for you, your finances, and your company. There are some small business credit card features you don’t want to overlook, as they’re important to your overall experience. Here are several to focus on as you compare your options and make a final decision: Online account management: Every credit card issuer offers...

When you’re first starting out with credit, it’s natural to have a limited amount of information on your credit report. In the credit industry, that’s called a “thin” credit file. Unfortunately, having a thin credit file can make it difficult to get approved for many credit cards and loans. In some cases, you may not have a credit score if you have a thin credit file. You need at least one account on your credit report...

There is an issue I think needs to be addressed in public high schools. While the core classes like algebra, geometry, and English are critical, these schools are putting enough focus on everyday skills like personal finance. I think personal finance should be a core class in high school. Learning these skills in high schools will help the student through adulthood, and may even find a job. I bet there are many that find themselves behind...

Savings for your current child or future child needs to be a big goal for you and your family. I found this amazing, but a recent government study found that it can take over $235,000 to raise a child from infancy to age 17. In fact that number does not include college, extracurricular activities, or family vacations. Now that you know its going to cost a lot to provide for a child, I wanted to lay...

In today's startup world, you have probably heard of the terms accelerators, incubators, and innovation labs. These are great to help startups and founders grow their business into something viable. While there is a lot of similarities, the programs do have some key differences and are set up differently as well. Below I will describe these in detail. Please feel free to ask any follow up questions in the comment section. Also please feel free to...

There may come a time when your business requires additional capital. While there are many ways to seek funding, a business loan is often the best. With so many products to choose from – and hundreds of lenders offering them – you won’t struggle to find something that suits your requirements. Since taking out a business loan is such a big decision, it’s important to answer a variety of questions before pushing forward. Here are seven...

Your credit card interest rate affects how much you pay for carrying a balance on your credit card. The higher your interest rate, the more you'll pay in finance charges and the longer it will take you to pay off your full credit card balance. When you have a variable credit card rate, there's always the risk that your interest rate will go up. That's because variable rates are indirectly tied to the Federal interest rate. Whenever...

As a small business owner, you’ll have many questions to answer early on in regards to payroll. If you address these right away, you’re in position to implement a system that works for both you and your employees. However, if you put this off, you could find yourself making mistakes that cause additional stress and headaches. Here are the most important payroll questions to answer as you get your small business up and running: Will you...

Consumer debt has been rising steadily as the economy recovered from the 2008 recession and overall consumer debt reached a record $13.5 trillion in the 4th quarter of 2018, according to the Federal Reserve Bank of New York's report on U.S. household debt and credit. Rising levels of debt may not be good for the economy and especially on consumer wallets. Here are some ways you can tell if you're adding too much debt each month. You...

As the winter season comes to an end, it’s safe to say that you’re looking forward to warmer weather and everything that comes along with it. After a long winter, you may realize that you’ve got more clutter in your home than you would like. Rather than throw out any unwanted items, it makes better sense to organize a garage sale. Not only does this help you remove clutter, but with the right approach you can...