The Truth About Applying For New Small Business Credit Cards and What You Can Do About It

credit card man handAccording to the Tower Group’s recent report, more than two-thirds of small businesses use their credit cards for various business expenses, but of those only about 40% are putting the charges on business credit cards. The other 60% are putting themselves at risk for personal liability and placing their personal assets in danger.

Business credit cards can be a great asset for your small business, but only when used correctly. When used incorrectly, business credit cards can cause many problems including a lack of business credit, tax and legal consequences, and a failure to achieve the best financial rewards for your business.

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Investment Risk Management Strategies – 5 Ways to Play Defense

money chains defenseAaron Rodgers and Greg Jennings may get all the glory when it comes to reliving the big Super Bowl plays of 2011, but it wouldn’t have mattered how many points the Packers put on the board if they didn’t have a strong defense as well.

In other words, a good offense can’t be successful without an effective defensive program. And the same is true for your investment strategy.

Here are the best strategies to protect yourself when it comes to the game of investing.

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How to Save Money on Baby Expenses – Strollers, Car Seats & Furniture

baby strollerWhen my wife and I were expecting our first daughter, we spent  hours poring over product reviews, polling friends and family, and researching the very best baby gear that would keep our little bundle safe, healthy, and happy.

The good news? There are literally millions of quality baby products to choose from.

The bad news? It can cost the equivalent of your child’s future college education to furnish a new nursery. Ultimately (and fortunately), we came to the conclusion that many of the less expensive products actually performed as well or even better than the more costly versions.

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5 Personal Budgeting Tips For Those Who Hate Budgets

Do you love to budget? Do you look forward to planning out your budget for the next month? Do you brag to your friends about your budget?

Yeah, I didn’t think so.

But you still want to save money and be frugal, right? It’s a conundrum a lot of people face, since the best way to save money is to have a budget that you stick to. For those of you who don’t have the time, energy or inclination to keep track of every single penny you spend, don’t worry. I’ve compiled a list of budget alternatives that can still help you keep a handle on your finances.

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How To Profit From Product Launches and Big Sales

You heard it folks, Apple broke off its exclusivity with AT&T and released the iPhone to Verizon customers in early February 2011. With such a product release, big lines are sure to follow.

Apple isn’t the only company capable of creating such a buzz, however. The newest products and innovations from Microsoft, Sony, Nintendo and various other merchants have caused crowds to line up for what seems like miles.

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Top 4 Free Music Listening & Sharing Websites – Save Money Downloading Music

woman music downloadsRemember the good ol’ days when you could download any song from any band for free on Napster? Those days are (sadly) gone, which is why I spent $20 in 8 minutes last week on two albums by a band that I accidentally stumbled on and immediately fell in love with (it was the Portland based, folk rock/indie band Horse Feathers, in case you’re wondering).

Now, I don’t regret the purchase. I’ve listened to these two albums obsessively since I bought them. And I love supporting small indie bands. But my monthly budget unfortunately doesn’t allow me to spend $20 every time I find a band I like.

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Free eBooks Download Sites Online – 8 Ways To Get Cheap eBooks & Audio Books

Many eBooks For Free I met a good friend for coffee at a book store not too long ago. As we were waiting for our drinks, my friend saw a display for an e-reader and said to me, “I don’t understand what the deal is with all these book reading things.” I nearly died laughing because of the way she said it, but at the time, I completely agreed with her. Why would I pay at least a hundred dollars for an electronic contraption, that I then have to purchase books for, when I could get an actual book from the library for free?

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6 Simple Ways to Save Money With Your High-Speed Internet Service Provider

high speed internetIt has been a long time since having high-speed broadband Internet service went from being a point of geeky pride to an essential utility.

And like all utility providers, Internet service providers will do everything they can to extract the most revenue from each of their customers.

Fortunately, there are six tactics savvy customers can employ to enjoy broadband service at the lowest possible price.

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How to Afford College Study Abroad Programs with Scholarships & More

study abroad chalkboardDuring the fall semester of my junior year of college, I studied abroad in Buenos Aires, and I can’t believe I almost didn’t go. I knew I wanted to study abroad, but I wasn’t sure if I could afford it. On top of regular tuition, I’d have to pay separately for housing, meals, and entertainment.

As it turned out, my study abroad program saved me money: I ended up shaving off a third of my usual on-campus expenses for the semester.

If you’re interested in studying abroad but you’re worried about affording it, consider these four ways you can make it work.

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Dividend Reinvestment Plans (DRIPs) and What They Offer Investors

stock chart dividendsStocks are generally thought to be risky investments (when compared to investing in bonds). And even though the average annual yield is great at around 12%, the market can be difficult to predict. However, there are ways to remove some of this risk by investing in dividend reinvestment programs (DRIPs). These programs can remove some of the brokerage and investment management fees that would otherwise eat away at your investment.

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