Tag: cards

25 Real Estate Business Cards We Love #business #lending


#real estate business

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25 Unique Real Estate Business Cards We Love

Are you in market for a new real estate business card? One of the best ways to leave a lasting impression is with an eye-catching business card. Your business card should be so well-designed that it causes people to remember you and hold on to your card for the perfect time. Does you card do this?

If not, and you’re hunting for ideas, we have a list of 25 elegant and unforgettable real estate business cards that will inspire you. A special thanks to everyone who shared their business cards with us.

Before we dive into the details on this topic, we suggest you check out Zillow Premier Agent. an advertising platform for Zillow and Trulia. While both sites allow you to post listings for free, becoming a premier agent has two major benefits: Exclusivity and Wider Reach. Visit Zillow to learn more and generate more leads.

Our Favorite Real Estate Business Cards:

1. TJ Kelly, Web Developer User Experience Designer

Made of metal. Very unique and memorable.

Uncommon, rugged aesthetic to match the niche market.

2. David Feldberg, Broker Owner, Coastal Group OC

They are thick cardstock with a UV coating so they are shiny. I have never received more compliments on my card then I have with these. I chose this design as I wanted to have a large amount of info along with my picture and logo featured so this was a way for me to do all of that.

3. Classic Business Card Design

This business card gives a strong first impression with contrasting yet appealing colors, embossed background, and simple but effective logo branding.

Looking to jump start your marketing and pull in new leads by the dozen? Click here for 25 Real Estate Marketing Ideas from the pros.

4. Best Homes Team

This business card maximizes all of its real estate by utilizing both sides of the card. The vibrant colors add energy and verve.

5. Bird Realty

Two toned in a fresh and elegant pairing of green and gray, this business card stands out with its shapely design and unique color scheme.

6. Homes with David

Blue inspires trust, and this card has blue in abundance. The use of white (or negative space) gives the card a sleek and professional feel.

7. Kasper Real Estate Agency

This business card smartly makes use of its back to drive clients to their website.

8. H. Livingstone Real Estate Broker

White text can be a bold decision for business design, but it works elegantly on this single-sided card.

9. SV3 Group

Using a monotone color scheme, SV3 Group’s business cards are understated but modern.

10. Dynamic Reality

These business cards are simple but interesting with its vertical styling and fresh blue color palette.

11. Flipside Realty Inc

Custom die cut business cards that can be “flipped” to show both sides insures that it won’t get lost in the crowd.

If you are considering a catchy slogan for your business card check out our list of 25 Slogan Examples From the Pros .

12. Caggiano Realty Group

When in doubt, always use a photo it adds a personal touch that can’t be beat.

13. Kindred Property Group

Foil-edging lend a sense of richness and elegance to any business card.

14. LCS Lao Clean Services

This combination of black and gold present as decadent, glamorous, and fascinating.

15. Homeplus

This business card is stencil cut out that echoes the company name (Home”plus”) in its visual design.

16. eTopBroker

Another vote for adding a professionally taken photo to one’s business card. This one pops with coral.

17. Steve Zanhd

This business card is both neat and informative, with all of the major bullet points you need to reach the card owner.

18. Odama Realty

This two-sided business card makes a bold statement with its orange and black color scheme.

19. Dawson Boyer

The strong lines, all capital text, and blue on blue color selection makes this real estate business card stand apart from the crowd.

Looking for ideas to make your next open house drive more interest than ever? Check out our Open House Ideas From the Pros !

20. SGRE

A dazzling use of blue and green create unexpected modernity and cleanness to this business card.

21. Pam Flora

This business card presents the broker as approachable, friendly, and creative.

22. Qwest Investment

Purple and gold give off a regal yet whimsical feeling to these business cards, and the textures add an artistic depth.

23. Adam Nobel

If you have accolades or awards, don’t be afraid to add them to your real estate business card, as done here.

24. Fauver Group

Clean, classic and polished, this business card is beautiful in its simplicity.

25. David Mour

Rounded corners and vibrant colors are a winning combination for this two sided business card.

We asked 50 experts for their best real estate marketing idea. Click here to see what they told us!

What Are You Favorite Real Estate Business Cards?

Do you have a favorite business card that we missed? Let us know in the comments below, with a link to it. Can’t wait to see what you share.

Want more real estate leads? Click here to start generating more leads from Zillow today!

About the Author

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Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer .


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How finance companies differ from credit cards, banks #good #business #names


#finance companies

#

How finance companies differ from credit cards, banks

Whether it’s buying a car, paying medical bills or purchasing furniture, if you’ve had to finance one of life’s big-ticket items, you’ve probably been offered the chance to take out a loan from a finance company.

They’re the less-regulated alternative to getting a loan from your bank or putting the charge on your credit card. Usually, a finance company offers a secured or unsecured personal loan. Before signing on the dotted line with a finance company, understand exactly what you are getting into.

What finance company loans are (and aren’t)
Sometimes these products are marketed as credit cards, when they really aren’t.

Medical credit cards, in particular, can be very loosey-goosey about the term, says Linda Sherry, spokeswoman for Consumer Action, which in 2014 released a survey of medical cards.

Such products are not subject to the same regulations as credit cards.

Borrowing money from a finance company isn’t necessarily a bad idea, but you should first learn what these companies are, how they operate, who regulates them, and what protections you have if you run into problems.

What are consumer finance companies?
Unlike a bank or credit union, finance companies do not accept deposits. They just loan money, sometimes with fixed terms and sometimes not. Some offer a big range of products, some specialize, says Chris Kukla, senior counsel for government affairs with the Center for Responsible Lending.

The most well-known issuers of these products are automobile finance companies, such as Toyota Financial Services or Ford Credit. These are owned by auto manufacturers and make loans to consumers purchasing vehicles from those particular brands.

If you have strong credit, you have a good chance of getting a low-interest auto loan through an auto finance company.

If your credit is not stellar, an auto finance company that specializes in the subprime market may offer you a loan, but at a much higher interest rate.

CarePayment of Lake Oswego, Oregon — which works with health care providers nationwide and provides a way for people to pay medical bills — is another example of a finance company. It offers consumers a revolving line of credit at a 0 percent annual percentage rate.

Furniture and appliance stores, such as Seffner, Florida-based Rooms to Go, also offer consumers a line of credit through a finance company.

Who regulates finance companies?
Consumer finance companies are licensed and regulated by the state in which they operate. Depending on the size of the company, it may be licensed in one state or dozens of states, says Danielle Fagre Arlowe, senior vice president of the American Financial Services Association, a trade association for the consumer credit industry that represents traditional installment lenders, such as the big auto finance companies.

That is different from credit card issuers, which generally are regulated by federal authorities. The Office of the Comptroller and the Currency (OCC), a division of the U.S. Treasury Department, regulates national banks that issue credit cards, while the National Credit Union Administration supervises federal credit unions.

Meanwhile, state banking regulators oversee state-chartered banks or credit unions.

Finance companies have to adhere to the laws in the states in which they are licensed, Kukla says

That means a finance company can do things that are not expressly prohibited by law in the state in which it operates, Kukla says: It may be abusive, but if it’s not prohibited by law, there’s nothing the state can do.

Because of variations in state laws, a finance company may have different loan terms in different states, Arlowe says. So a consumer in Georgia may be charged a different interest rate or have a different loan payoff schedule than a consumer in Texas.

One big segment of finance companies has a new regulator. The Consumer Financial Protection Bureau (CFPB) — which supervises and enforces federal consumer financial protection laws, including those surrounding credit cards — is taking over the supervision of major auto finance companies.

Under a rule issued June 10, 2015, the CFPB will have authority over companies that make, acquire or refinance at least 10,000 auto loans or leases per year. The bureau estimates that 34 auto finance companies would fall under that regulation, and these account for about 90 percent of all auto loans and leases not made by banks. Together, these companies provided auto financing to nearly 7 million consumers in 2013.

The rules mean auto finance companies will be not be allowed to use deceptive practices to market loans or leases, or mislead consumers about the loan benefits or terms. The companies also must provide accurate information to credit bureaus.

Auto finance companies also will be prohibited from discriminating against consumers when lending based on factors such as someone’s race, gender, and age, or based on whether the person receives public assistance. Illegal debt collection practices are banned, and the CFPB will review automobile repossession processes.

The new rule is scheduled to take effect in August 2015.

What are typical finance company practices?
Unlike credit card companies, finance companies are not required to give consumers the same payment due date each month. While many require you to pay your bill by the same date, in other cases it is a moving target. So your bill may be due on the 22nd one month and the 21st the following month.

If you don’t pay on the proper date, you might be charged a late fee or required to pay a higher interest rate, Kukla says.

There also might be other risks. For example, imagine you are shopping at an appliance store offering 0 percent financing for 24 months. It may sound like a good deal, but if you read the fine print, you may see that it is a deferred interest deal. If you miss a payment or fail to pay the loan off in 24 months, you could end up paying a steep interest rate, and have interest added in from the time you took out the loan, Kukla says.

Many finance companies report your payment record to the three main credit bureaus, helping you build a credit history, Arlowe says. However, they are not required to report such payments.

Complaints are the only real way to tell what kind of lender they are.


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Free Business Cards: Where To Get Them And The Fine Print! #business #research


#free business cards

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Free Business Cards: Where To Get Them And The Fine Print!

Yes. However, you can only get 10 business cards for completely free. The offers for 250 free business cards are very misleading. You will end up paying a minimum of $5.00 to $12.00 for “free business cards”.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

The Truth About Free Business Cards

When companies like Vistaprint or 1-800-Postcards offer free business cards, they are really offering you free business card printing. However, there are 4 ways in which they seek to make money from you.

  1. They charge you for shipping. While the printing is free, you will need to pay a shipping fee to receive them. While I cannot say for 100% sure, I suspect that their total costs including shipping are less than the shipping fee.
  2. They charge you for speed. If you need the cards for a meeting, tradeshow or convention in a few days, you may have pay an additional fee for express printing and even more for shipping. You get business cards free only if you can wait a couple weeks to receive them.
  3. The business card printer gets free advertising. Typically on the back of the cards, there is a logo or text advertisement for the company that printed the business cards. If you want to remove the advertisement, then you will have to buy a premium business card.
  4. They will try to convince you to buy premium cards or add-on items. Some companies offer 40 free design templates for free business cards, but hundreds of business card design templates for premium buyers.

With free business cards, you may also not have the option of different finishes. After you finish designing your business card, companies will try to sell you business card holders, magnetic business cards and all other sorts of other promotional items. When you try to order free business cards, the printing company will make the process drawn-out to give them lots of opportunities to sell you a product which is not free.

I said there was one completely free offer. Yes, Moo does offer 10 free business cards with no printing fee and no shipping fee. There is a small Moo.com logo on the back and you will receive the cards via USPS in about 10 days.

How much do free business cards really cost when you include shipping?

Vistaprint Offer: 250 Cards For $6.93. (For NYC address) Two weeks for delivery and small text ads appears on the back.

In practice, the best deal is not business cards but buying 500 cards which will cost less than $20 with shipping .

Moo.com Offer: 50 Business Cards For $5.00. Includes option of using recycled material or gloss finish at no extra charge. Free full color images on back and front of card for no additional charge. 10 days for delivery and small Moo.com logo appears on the back.

1-800-Postcards Offer: 250 Business Cards For $12.00 Three weeks for delivery and small text ads appears on the back.

Want a real bargain? Try Fiverr

You re reading this article because you re frugal. One place where frugal entrepreneurs go to get business cards, flyers, and brochures designed and a host of other services is Fiverr. All services on Fiverr start at only $5!

Can you print your own business cards for free?

Yes, there are a number of programs that provide free online templates (word and PDF formats) for business cards. Assuming that you have the following tools, you may be able to print your own business cards for free:

  • High-Quality Inkjet or Laser Printer
  • Exacto Knife or Paper Cutter or If Your Have Great Hands, A Sharp Scissor
  • High Quality Paper (ie 100 lb cotton paper)
  • Free Business Card Printing Software: Easy To Use More Choice Templates

This option may not appeal to most business people because, a hand cut business card can look slightly off. If you want a professional looking card, you can buy heavy-stock pre-cut paper. Literally, you can pop-out a card with a perfect edge. Unfortunately, this paper doesn’t come cheap. You can buy business card paper to print 250 cards for $15 to $20. Avery provides free business card templates that work with its paper products.

Click Here to get our FREE Google advertising guide and discover the 6 steps you can use to show up #1 in Google search

Why get free business cards cards, when premium cards only cost $15 more?

When do you give out business cards? When you’re meeting someone for the first time and making a first impression. While your business associate may not remember a great looking business card, there is a chance that they will remember a “bad” business card or a business card that gives the impression that your company is struggling or cheap. A business card that has an advertisement for the printing company sends the message that you NEED to watch every buck.

To learn how to get professional looking business cards without advertising on any budget see our article 7 Steps to the Perfect Business Card .

About the Author

Marc Prosser has been involved in many businesses as an executive, advisor, and investor. Prior to starting his own company, Marc Prosser was the first employee and Chief Marketing Officer of FXCM. During his ten years at FXCM, the company grew from a small business to over 700 employees.

Related Posts

Copyright © 2016 · FitSmallBusiness. All Right Reserved. Privacy Policy .

Disclaimer: We spend hours researching and writing our articles and strive to provide accurate, up-to-date content. However, our research is meant to aid your own, and we are not acting as licensed professionals. We recommend that you consult with your own lawyer, accountant, or other licensed professional for relevant business decisions. Click here to see our full disclaimer .


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How to Get Cheap (Or Free) Business Cards #start #your #own #business


#business cards cheap

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Best sources for cheap business cards

You hear it time and time again: networking, networking, networking. It s the professional crux that most fall into as we transition further into the digital age and begin to rely increasingly more on social networking sites and quasi-professional job boards like LinkedIn and Monster to create our connections. And while they may be fantastic online resources, they don t carry the same weight in the offline professional world as a good, old-fashioned business card.

Fortunately, there are plenty of cheap alternatives for creating, customizing and printing high-quality business cards should your company refuse to print them or if you simply want more control of what your card says about you. After all, a top-notch business card often leaves a lasting impression — good or bad — well after handshakes and highballs have subsided.

Here are our picks for the best sources for cheap business cards so you can stop sweating bullets like Christian Bale in American Psycho and rest assured that your card ranks among the best.

In a way, VistaPrint is one of the pioneers of the business card world. The company made a name for itself a few years back by offering ultra-cheap printing in modest-size batches (250-500 cards) and a free 250-card run for first-time users looking to try out the printing service (shipping costs still apply). The site is easy to navigate, whether browsing free or premium business cards, and boasts thousands of premade designs in addition to the fully-customizable templates that let you add various levels of personalization (i.e. name, photo, contact info, etc.).

The service doesn t offer the highest quality available — what you pay for is typically what you get — and the cards are thinner and somewhat smaller than your traditional business card. However, VistaPrint is still a great option if you don t mind dealing with less-than-ideal construction and a watermark on the back in lieu of an expensive price tag. Premium card runs start at $10, but keep an eye out for the various ongoing promotions and specials throughout the week.

Just because business cards are an age-old tradition, doesn t mean they can t thrive in a digital realm. The popular card-creating site Moo boasts everything from traditional business and mini cards to free cards tailored specifically for your Facebook and About.me profiles. Hell, they even added a third side to business cards with an embedded NFC chips that activates various functions when touched to a smartphone or other NFC-capable device. Like other sites on our list, Moo offers a wealth of elegant designs and premade layouts housed within the site s Web-based app, providing business cards that can be tweaked and refined for a more personal touch.

A pack of 50 double-sided business cards starts at $20, but the thick cardstock and lavish ink look and feel phenomenal. Plus, Moo will send you a free 10-card sampler and allow you to customize your entire run of cards individually, meaning you can place a different image or design element on every card instead of opting for an entire 200-card run of the same, custom build. They don t come cheap, but they re worthwhile given the great quality and decent price point.

There are probably plenty of indie printing companies in the United States, but Canada is likely a different story. Jukebox, although not the cheapest on our roundup, takes customization and sheer design tenacity to the next level through its abundant variety of cardstock types — from traditional and embossed business cards to more obscure mediums such as wood and cotton. The site hosts an easy-to-use business card creator brimming with pre-built design templates, but you can always opt to start from scratch if you want greater control over the background image and overall design aesthetics.

Specialty business cards such as wood and cotton start in the triple digits when it comes to pricing, but you re standard pack of 500 or 1,000 business cards are competitively priced at an upwards of $60 or $70. The print quality is impressive as well, rigid and accurate, and the company doesn t completely scalp you on international delivery despite its Canadian roots. JukeBox is the way to go if you re looking for a moderately priced pack of business cards that stand out from the pack.

OvernightPrints is the Swiss army knife of online printing services, offering affordable options and quick delivery for all manner of printed products. They may specialize in brochures and announcements, but they also tout a wide selection of cardstock, designs and custom finishes accessible through the built-in wizard. Like most printing services, you can always upload your own creation, but the site does host an number of elegant, premade patterns for those of us who are less crafty or quickly need a set of business cards in a pinch.

OvernightPrints is also one of the few services capable of processing small batch runs of less than 100. You can order card runs between 50 and 5,000, with a meager 50-card run costing a mere $4.15 with free UV finishing, and the site is always hosting on-going sales for customers who subscribe to the mailing list or have the patience to wait for an applicable price reduction on a particular style. The cards are weighty and of higher-quality than the similarly-priced VistaPrint, but they re not superbly crafted either. OvernightPrints is a knockout when it comes to price-quality comparison though, especially if you manage to catch a promotion or just need a few cards to hold you over in a pinch.

Looking to stockpile an abundance of no-frills business cards that ditch the designer chic in favor of something more simple? GotPrint keeps it as basic as it gets, whether uploading your own composition or utilizing the site s barebones templates, and features several card stock options in varying sizes and styles. There are a few special shapes if you prefer to add a touch of pizzazz and uniqueness to your card, such as ovals and rounded rectangles, but they will drastically increase the printing costs and require you to manually upload your personalized design in lieu of using the built-in web app.

Aside from its simplicity, GotPrint is know for its quick turnaround and rock-bottom pricing. A standard 500-card run begins at around $50 and features great quality printing for the price, with stiff card stock and excellent inking, but it s not quite as nice as Moo or some of the more expensive services on our roundup. Although the customer service has been known to give clients the run around when issues arise, the pricing and moderate choice selection still make it a great source for cheap business cards.

Honorable mentions

There s never enough room on our best-of roundups to include each and every service worth mentioning. Below are a few of the runner ups that offer fairly solid business cards for an affordable price. They might not be as speedy or convenient as your local brick-and-mortar print shop, nor do they offer the kind of stellar quality of our top five, but they re still not a bad choice given the price.

What did you think of our choices for the best sources for cheap business cards? Which service do use for all your professional printing needs? Let us know in the comments below.

Also watch: Best Movies on Hulu


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Get 250 Free Business Cards from Vistaprint #business #plans #examples


#vista business cards

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Vistaprint is a company that provides printing and marketing services to small and micro businesses over the internet. Since it was founded in 1995, Vistaprint has become one of the most rapidly expanding printing companies in America, meeting the needs of small and micro business people by offering highly customizable services at affordable rates.

About Vistaprint free business cards

Vistaprint allows customers to get 250 free business cards just by coming to their website, selecting a business card template, adding text and then having the cards shipped to one’s door. The only costs to the customer are shipping and processing fees, as well as any product upgrades selected in the course of creating the business card.

While you do have to pay shipping and processing for these business cards, there is no printing bill whatsoever. You are getting business cards for free, which is a good deal. What’s more, the card creation process is remarkably easy to go through. Just select a template and type in your card text and you are done. Their “click-to-ship” process is about as simple as printing can get.

How can you get 250 free business cards from Vistaprint?

Before you begin, you will need to prepare the following:

  1. A computer with internet access.
  2. A valid email and mailing address.

Detailed instructions:

  1. Go to the Vistaprint website at: www.vistaprint.com
  2. Under the section halfway down the page labeled “Free Business Cards,” click on the blue button marked, “Get Started.”
  3. Enter the text that should appear on the front side of the card, then select the design of the card you want from the menu. As you enter the text, it will appear automatically on the proof of your card.
  4. Tick the box to indicate that you have read through and checked the card proof and that the text is all correct. Finally, click on the button marked, “Next.”
  5. Create a Vistaprint account by entering your email address and creating a password.
  6. Enter your shipping and billing information and complete the card creation and shipping process by ordering your card.
  7. If you have any questions, please consult the Vistaprint FAQ at: www.vistaprint.com/customer-care/service-center.aspx?xnav=top

If you are just starting your own small business and you need to order a small-run lot of business cards, why go to a big printer that has large minimum order requirements? Use Vistaprint and you’ll get 250 business cards for free! All you pay for is shipping and processing.


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Business Cards Online – Luxury Business Cards – Digital Printing #women #business #loans


#premium business cards

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Luxury Business Cards

Product Description

At Digital Printing Ireland we’re ‘Thick’, ‘Really Thick’. Normally it’s not such a good thing to be thick but in the case of our Extra Thick Business Cards we believe the thicker the better.

A high quality ultra-thick luxe premium business card sets the tone for your business, not just making a great impression but creating a lasting connection too. That’s where we can help.

We have all been handed a ‘thin’, lightweight low quality business card on occasion that may as well have been printed on tissue paper. Well, choose our double, triple or quadruple thick heavy weight materials for your quality luxe premium business cards and your card will leave a lasting impression, a good one that is.

Our HP Indigo digital printing process ensures rich, distinctive colour to ensure you stand out from the crowd.

The weight of our premium business cards is anything from 540gsm to a staggering 1190gsm. to put that into context a standard business card is normally around 300gsm. Now that is quality.

We offer you a great choice of options. You can choose cards with one design or many – all in the same order, thus saving you money. Get a sample pack of our premium business cards today.

Paper and finishes

Our easy-to-use online ordering will guide you through your high quality luxe premium business card choices.

You can choose cards sized 85mm x 55mm, 90mm x 55mm or 90mm x 50mm. Cards can be printed portrait or landscape and one side or both sides. Tip: 85 x 55mm is the standard size for business cards in Ireland.

Our double thick silk premium business cards are printed on a luxurious 540gsm white silk, which is nearly double the thickness of a standard business card. To further enhance your cards, we apply matt lamination to both sides of your double thick silk cards.

Our double thick uncoated business cards are printed on a luxurious 540gsm ‘lite’ white uncoated board, double the thickness of a standard business card and a beautiful luxurious feel which you will love.

Now for those of you that really want to stand out from the crowd, take a look at our premium triple thick (810gsm – 865gsm) and quadruple thick (1080gsm – 1190gsm) uncoated premium business cards with a customisable visible partial coloured edge. These cards are ultra-thick and have to be held to truly appreciate the quality.

There are 12 different customisable coloured core inserts available and this core is visible in the middle around the edge of the finished printed card, the finished card weight ranges from 810gsm to 1190gsm, depending on your choices. Considering a standard business card is usually printed on 300gsm hopefully you will appreciate just how high quality these ultra-premium heavy weight business cards really are.

For double, triple and quadruple thick uncoated cards choose either matt or gloss lamination to finish them off.

We believe that no other company is selling business cards as thick or heavy as 1190gsm online – you really have to feel the thickness to believe it!

Please refer to images above to visualise how inserted core colour would look. If you have any queries please contact us or request a sample pack of Business Cards today!

Secure Payment

We accept all kinds of payment methods and can reassure you that your details will be dealt with in the most secure way possible.

Our accepted payment methods include:

Sample Pack

Want to take a closer look at what we can offer? Click below to request a sample pack.


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Vistaprint business cards #business #degree #online


#business cards design

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Only one promotion code can be used per order. Savings will be reflected in your shopping cart. Discounts cannot be applied to shipping and processing, taxes, subscription services or previous purchases, unless otherwise specified. Additional charges may apply for shipping and processing and upgrades unless otherwise specified. Free Offers only valid on the lowest quantity of each product and not valid on more than 10 items per order.

Promo code has been applied:

Standard Flat Rate Delivery For $7.99 Enter your TV/Radio code or another promo code: Have a different promo code?

Only one code may be used per order.

Standard Flat Rate Delivery For $7.99

Promo code has been applied

Standard Flat Rate Delivery For $7.99

Home Business Cards

Choose how to design.

Browse our designs

Add your own text and images.

Start with your logo

Combine it with our layouts and fonts.

Choose your Standard Business Card layout and click Continue.


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How finance companies differ from credit cards, banks #better #business #bureau


#finance companies

#

How finance companies differ from credit cards, banks

Whether it’s buying a car, paying medical bills or purchasing furniture, if you’ve had to finance one of life’s big-ticket items, you’ve probably been offered the chance to take out a loan from a finance company.

They’re the less-regulated alternative to getting a loan from your bank or putting the charge on your credit card. Usually, a finance company offers a secured or unsecured personal loan. Before signing on the dotted line with a finance company, understand exactly what you are getting into.

What finance company loans are (and aren’t)
Sometimes these products are marketed as credit cards, when they really aren’t.

Medical credit cards, in particular, can be very loosey-goosey about the term, says Linda Sherry, spokeswoman for Consumer Action, which in 2014 released a survey of medical cards.

Such products are not subject to the same regulations as credit cards.

Borrowing money from a finance company isn’t necessarily a bad idea, but you should first learn what these companies are, how they operate, who regulates them, and what protections you have if you run into problems.

What are consumer finance companies?
Unlike a bank or credit union, finance companies do not accept deposits. They just loan money, sometimes with fixed terms and sometimes not. Some offer a big range of products, some specialize, says Chris Kukla, senior counsel for government affairs with the Center for Responsible Lending.

The most well-known issuers of these products are automobile finance companies, such as Toyota Financial Services or Ford Credit. These are owned by auto manufacturers and make loans to consumers purchasing vehicles from those particular brands.

If you have strong credit, you have a good chance of getting a low-interest auto loan through an auto finance company.

If your credit is not stellar, an auto finance company that specializes in the subprime market may offer you a loan, but at a much higher interest rate.

CarePayment of Lake Oswego, Oregon — which works with health care providers nationwide and provides a way for people to pay medical bills — is another example of a finance company. It offers consumers a revolving line of credit at a 0 percent annual percentage rate.

Furniture and appliance stores, such as Seffner, Florida-based Rooms to Go, also offer consumers a line of credit through a finance company.

Who regulates finance companies?
Consumer finance companies are licensed and regulated by the state in which they operate. Depending on the size of the company, it may be licensed in one state or dozens of states, says Danielle Fagre Arlowe, senior vice president of the American Financial Services Association, a trade association for the consumer credit industry that represents traditional installment lenders, such as the big auto finance companies.

That is different from credit card issuers, which generally are regulated by federal authorities. The Office of the Comptroller and the Currency (OCC), a division of the U.S. Treasury Department, regulates national banks that issue credit cards, while the National Credit Union Administration supervises federal credit unions.

Meanwhile, state banking regulators oversee state-chartered banks or credit unions.

Finance companies have to adhere to the laws in the states in which they are licensed, Kukla says

That means a finance company can do things that are not expressly prohibited by law in the state in which it operates, Kukla says: It may be abusive, but if it’s not prohibited by law, there’s nothing the state can do.

Because of variations in state laws, a finance company may have different loan terms in different states, Arlowe says. So a consumer in Georgia may be charged a different interest rate or have a different loan payoff schedule than a consumer in Texas.

One big segment of finance companies has a new regulator. The Consumer Financial Protection Bureau (CFPB) — which supervises and enforces federal consumer financial protection laws, including those surrounding credit cards — is taking over the supervision of major auto finance companies.

Under a rule issued June 10, 2015, the CFPB will have authority over companies that make, acquire or refinance at least 10,000 auto loans or leases per year. The bureau estimates that 34 auto finance companies would fall under that regulation, and these account for about 90 percent of all auto loans and leases not made by banks. Together, these companies provided auto financing to nearly 7 million consumers in 2013.

The rules mean auto finance companies will be not be allowed to use deceptive practices to market loans or leases, or mislead consumers about the loan benefits or terms. The companies also must provide accurate information to credit bureaus.

Auto finance companies also will be prohibited from discriminating against consumers when lending based on factors such as someone’s race, gender, and age, or based on whether the person receives public assistance. Illegal debt collection practices are banned, and the CFPB will review automobile repossession processes.

The new rule is scheduled to take effect in August 2015.

What are typical finance company practices?
Unlike credit card companies, finance companies are not required to give consumers the same payment due date each month. While many require you to pay your bill by the same date, in other cases it is a moving target. So your bill may be due on the 22nd one month and the 21st the following month.

If you don’t pay on the proper date, you might be charged a late fee or required to pay a higher interest rate, Kukla says.

There also might be other risks. For example, imagine you are shopping at an appliance store offering 0 percent financing for 24 months. It may sound like a good deal, but if you read the fine print, you may see that it is a deferred interest deal. If you miss a payment or fail to pay the loan off in 24 months, you could end up paying a steep interest rate, and have interest added in from the time you took out the loan, Kukla says.

Many finance companies report your payment record to the three main credit bureaus, helping you build a credit history, Arlowe says. However, they are not required to report such payments.

Complaints are the only real way to tell what kind of lender they are.


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The Best Business Card Holder Designs Ideas – Free Business Cards #financing #a #new

#business card holders

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The Best Business Card Holder Designs Ideas

The principle objective of a business card holder is usually to Display screen a company card. Although this will not audio extremely important, I m able to guarantee you that it essentially is. These holders is often important with the way anyone shows their business playing cards because they can often occasions make the difference between an amateur and a professional display. These card holders can also be primarily used in retail shops, travel agencies, monetary institutions, services providers and waiting offices. These are only some samples of the institutions where the cardboard holders are applied. We are going to even more mention several of the ideal and many productive card holder patterns accessible.

The very first style that we are going to take a look at is definitely the desktop business enterprise card holder. This holder form is especially meant to be placed on a counter best or table. This design is definitely incredibly realistic and commonly utilised throughout the entire globe. The desktop business card holder normally options a person pocket, but some also feature 8. It is vital that you simply place your playing cards nearby, irrespective of In case you are a mechanic or perhaps a sales agent. By executing this you be certain that the two events are profiting; you profit as you help it become effortless for the customer to get the data and The client earnings because he has easy accessibility to the knowledge that he wishes to learn. By furnishing your data to the customer you truly seriously boost your probabilities of accomplishing small business with him Later on. He might also endorse you to definitely his family members or mates. That is a acquire-win condition.

You can even opt with the wall-mount holders. These enterprise holders offer a incredibly distinct take on The full circumstance. As their identify indicates, these holders are placed on the wall in place of the counter best or desktop. These website business card holders are prepared for being used in general public areas, for the general public. They do not aim for a specific consumer style. These wall mounted holders normally feature an incredible quantity of card pockets, some even consisting of sixty! They may be used in around the globe public destinations, including libraries, espresso homes, Group centers, chambers of commerce and city halls.

We will conclude that a company holder for cards is definitely extremely important for any organization model, due to the fact it provides a pleasant overview of the furnished solutions. Through the use of these you ll considerably boost the chance of long term small business!

Article publié pour la première fois le 21/05/2016

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  • Best Credit Cards for Small Business of 2015 #business #to #business


    #small business cards

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    Best Credit Cards for Small Businesses

    Francesco CorticchiA & Mdash;Getty Images

    See this year’s top picks for budding entrepreneurs and established owners.

    MONEY and NerdWallet have picked the best credit cards in five different categories: cash back. borrowing. travel rewards. student. and small business cards. Most of our picks assume you are using cards strategically to maximize rewards, and paying off your bill each month to avoid fees and finance charges. MONEY also went one step further this year to add an easy choice the best no-muss, no-fuss, no-annual-fee option.

    Easy Choice: Capital One Spark Cash Select for Business

    • APR: 0% on purchases for nine months; then 13% to 21%
    • Annual fee: $0
    • Sign-up bonus: $200 after spending $3,000
    • Rewards: 1.5% cash back on all purchases
    • Why it s a winner: For stable, successful small businesses, Spark is an all-around winner, with no annual fee and cash back on every dollar spent. If your firm s outlay is $5,000 a month, for instance, you ll clear $2,000 back in two years, factoring in the $200 sign-up bonus. Add employee cards for free to boost your rewards.
    • Caveat: If your business maintains revolving balances, find a card with a lower financing rate.

    Best for Borrowing: U.S. Bank Business Edge Platinum

    • APR: 0% on purchases and balance transfers for the first year; 10% to 18% after that
    • Annual fee: $0
    • Why it s a winner: The U.S. Bank Business Edge Platinum is ideal for bootstrapping startups, debt-carrying small enterprises, and other small-business owners for whom borrowing costs are paramount. It offers the lowest APR without incurring an annual fee. You also get a year s worth of runway to pay off big purchases or tide you over until cash flow picks up.
    • Caveat: With no rewards or sign-up bonus, this no-frills card is really only for businesses with ongoing debt.

    See all of MONEY s picks:

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