A power of attorney, often abbreviated as POA, is a document allowing capable adults to name someone to serve as their representative, or allow others to enter into agreements on their behalf. Because the future is never certain, and an unexpected emergency that robs you of your ability to make choices can happen at any time, this legal tool is something every adult – no matter age, circumstances, or needs – should utilize.
You know all the rules about getting ahead financially. You understand that you’re supposed to keep your expenses under control, stay out of debt, and save as much of your salary as you can. And you know that if you stick to these rules for long enough, you’ll eventually end up with a nice big balance in the bank. At that point you’re left with another question: What should you do with it?
Personal finance books are hot sellers. Bestsellers include such well-known titles as Robert T. Kiyosaki’s “Rich Dad, Poor Dad,” Dave Ramsey’s “The Total Money Makeover,” and Stephen R. Covey’s “The 7 Habits of Highly Effective People.” However, there’s one book that’s more popular than any of these and offers plenty of sound advice about money: the Bible.
Of course, most people don’t think of the Good Book as a personal finance guide. To some, it’s the literal Word of God; to others, it’s a beautiful work of literature; still others view it as a historical text that’s had a profound influence on our society.
British Prime Minister David Cameron announced a new police/intelligence agency on December 10, 2014, to monitor the “Dark Web,” as reported by The Independent. According to Cameron, “The dark net is the next side of the problem, where pedophiles and perverts are sharing images, not using the normal parts of the Internet we all use.”
Independent web consultant Mark Stockley concurs, claiming in Naked Security that the dark web “attracts people who want to engage in things like robbery, sex trafficking, arms trafficking, terrorism and distributing child pornography.” In the International Business Times, writers Charles Paladin and Jeff Stone claim electronic goods, contract killers, guns, passports, fake IDs, and hackers for hire are readily available on the dark web, in addition to illegal drugs and child pornography.
When I was a kid, I was so excited about getting my first bank account. Instead of just saving my allowance in a piggy bank, I could put it in the bank and earn interest every month. Even though the balance was just a few hundred dollars, it was a thrill watching it grow by a dollar or two with each month’s statement.
The Plum Card® from American Express OPEN (a Money Crashers partner) is a small business charge card with a $250 annual fee (waived the first year). Unlike most American Express charge cards, it does not offer a sign-up bonus, nor does it share in the company’s Membership Rewards point program. However, it does offer a 1.5% discount on all balances paid early – defined as within 10 days of your statement closing date, as long as you make your minimum payment (10% of new activity during the statement period, plus any balance from previous statement periods).
The Business Platinum Card® from American Express OPEN (a Money Crashers partner) is an American Express business charge card that blends the features of a travel rewards card with the benefits of a small business card. Although it shares many of the features of the Platinum Card from American Express, including a hefty $450 annual fee, it’s meant exclusively for business owners.
The Business Platinum Card from American Express offers extremely generous travel benefits, including airport lounge access and airline fee credits, and is tapped into the American Express Membership Rewards program. It competes with other high-end cards for frequent travelers, including Citi Executive AAdvantage World Elite Credit Card and Platinum Delta SkyMiles Credit Card from American Express. It’s also comparable to general-purpose rewards cards, such as Citi Prestige and Chase Sapphire Preferred.
If you regularly consume financial news or economic commentary, you’re used to hearing about the multitudinous business challenges threatening workers’ job security and employers’ bottom lines.
Some such challenges, such as workplace automation and certain aspects of globalization, are relatively new, and wrought largely by technological or political change.
Others have been around since the dawn of private enterprise. For millennia, manufacturers – first small-scale, local shops employing skilled craftspeople and laborers, and later larger companies with increasingly vast and sophisticated operations – have doggedly developed and refined strategies for limiting waste, improving efficiency, and standardizing quality.
Whether you’re a first-time homebuyer, looking to purchase a second home, or downsizing after a life change, you can’t move into your new house until you officially close on the property. Your closing day – the day you meet with the seller, your real estate agents, title or escrow agents, and possibly other parties involved in the transaction – is the day the property officially becomes yours.
The SimplyCash® Plus Business Credit Card from American Express (a Money Crashers partner) is a popular business credit card with no annual fee and a solid cash back rewards program. Those rewards favor the sorts of business purchases that most entrepreneurs need to make on a regular basis: office supplies, communications, advertising, shipping, and travel. SimplyCash Plus also comes with broad baseline cash back earnings, making it a strong candidate for everyday, general spending.
The SimplyCash Plus Business Card competes with a number of business-oriented rewards cards, including American Express Blue for Business, Chase Ink Cash Business, Capital One Spark Cash, and U.S. Bank Business Edge Platinum.