Junk mail – that ubiquitous nuisance that shows up everyday, usually boasting pre-approved offers for credit cards and insurance rates – poses a very real problem. These offers can be scooped from your mailbox, opened without your knowledge, and used fraudulently under your name without permission. While this may not be the most popular form of identity theft out there, it does happen and it’s a real risk. Add to that the fact that junk mail usually just ends up in the trash, representing a huge waste of paper and resources, and there’s simply no reason you need to continue receiving it.
The envelope budgeting system has been around for a long time, and because it works, it remains popular, despite its “old school” methodology. If you’re not familiar, the concept is simple: Separate your budget into different categories, such as entertainment, groceries, rent, and gasoline. Create an envelope for each category, label it, and withdraw cash from your account to place in each envelope representing the total amount you’ll spend in that category for the month. Use the cash from your envelopes to make your purchases, and when the money’s gone, stop spending in that category until the next month.
EverBank is a Jacksonville, Florida-based bank that serves Florida customers through its network of physical branches and national customers through its online bank. The company offered its first product, the extant Yield Pledge Checking Account, in 1999. Since then, it has dramatically expanded its offerings to cater to retirement savers, high-asset clients, business owners, and advanced investors who want access to currencies and precious metals. It offers a robust lineup of banking services, as well as brokerage accounts for investors through EverTrade Direct Brokerage.
The Citi ThankYou® Preferred Card for College Students offers an opportunity to earn rewards on purchases while establishing a positive credit history. It combines the opportunity to reduce your APR, which was offered by the Citi Forward for College Students (which is no longer available), with the ThankYou rewards program that Citi cards are known for.
This card falls a bit short of being the best all-around credit card for students, but depending on your personal spending habits – especially if the majority of your purchases fall into the dining and entertainment categories – it could still be a great option.
The Internet age has radically changed the nature of investing, giving rise to low-cost online brokerages that cut out the middleman and allow nonprofessional retirement investors to buy and sell stocks, bonds, mutual funds, exchange traded funds, options, futures, and commodities. Sharebuilder is one such online brokerage.
As one of the oldest online trading platforms, Sharebuilder has been in operation for nearly 20 years, and is now a subsidiary of Capital One 360. Like other brokerages, Sharebuilder is a member organization of the Securities Investor Protection Corporation (SIPC), a public corporation that compensates investors for losses of cash and securities in the event that their brokerage declares bankruptcy. SIPC provides $250,000 in insurance for cash balances held in your brokerage account, and $500,000 in insurance for securities, with a total insurance cap of $500,000 in combined cash and securities.
Capital One is a well-known financial institution that made its name in the credit card business. Capital One 360, one of its major divisions, offers a related, if less sexy, suite of products: online banking and personal lending services. If you’re not satisfied with the brick-and-mortar banking options in your area – or you want to cast as wide a net as possible during your search for an attractive mortgage – then this institution should be on your radar.
Many credit cards provide rewards for purchases made at supermarkets, but specifically exclude those made at shopping warehouses and superstores.
The TrueEarnings® Card from Costco and American Express (a Money Crashers partner) is an exception. It provides minimal rewards for such purchases, and if you shop frequently at Costco or want to earn cash back on gasoline purchases, you may want to give it serious consideration.
The Chase Ink line of business cards includes the Chase Ink Cash Card – a no-annual-fee card that allows you to earn minimal rewards for business purchases – as well as the Chase Ink Bold and Plus cards, which do charge an annual fee but offer more rewards and bonuses to compensate for it.
If you like the features and benefits of the Bold – which is a charge card, not a credit card – but are not sure you can pay your balance in full every month as required, take a look at the Chase Ink Plus® Business Card, which offers the benefits of a charge card without all the limitations.
Of the business credit cards that are part of the Chase Ink family, the Bold and Plus cards offer the most benefits and reward opportunities. The biggest difference between Bold and Plus is that the Chase Ink Bold is a charge card – not a credit card. Charge cards do not impose credit limits, but they must be paid in full each month.
As a business owner, you need to consider not only which card provides the best benefits and rewards for your business, but whether a credit or charge card would suit your business needs best. This review covers the Chase Ink Bold® Business Card.
The Chase Ink line of business credit cards includes the Ink Bold, Ink Plus, Ink Cash, and Ink Classic. Each has different features, and all are ranked among the top credit cards available for businesses.
The Chase Ink Cash® Business Card offers the opportunity to earn cash back for standard business-related purchases, which, for small businesses, can be a very valuable feature.
- Sign-up Bonus. As a new cardholder, you earn a $200 bonus cash back reward after spending $3,000 within the first three months of opening your account. This is awarded in the form of 20,000 points, which equal $200.