Tag: Find

Cheap hotels in Miami, FL from $22 #find #hotels #miami

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Hipmunk’s Best Hotels in Miami, FL

Planning Your Miami Visit

If you’re on the hunt for the best hotel deals in popular Miami neighborhoods, consider visiting during the slow season. Although Miami is a popular destination year-round, it does tend to see a decrease in visitors around summer. Unfortunately, this coincides with Atlantic hurricane season, so it’s definitely more of a risk to plan a huge vacation from June to November.

If you are nervous about booking an unfamiliar hotel, consider large companies like Marriott. Prices tend to be pretty stable and they have a large representation in Miami, across all their brands. You might find a Courtyard for a significantly better rate in a different neighborhood and you can trust it’s still a good hotel.

Where to Stay in Miami

Depending on what you are hoping to see and do in Miami, you can stay in a variety of neighborhoods. Some of the most popular neighborhoods include Downtown Miami, South Beach, Miami Beach, and Coconut Grove.

Downtown Miami is ideal if you want to be close to Miami’s financial and commercial centers, or are attending a convention. Several cheap hotels in Miami’s downtown area provide direct access to popular attractions like the James L. Knight International Center and Port of Miami. Check out Downtown Miami hotels like Courtyard by Marriott Miami Downtown. Miami River Inn, EPIC Global Suites, Aloft Miami – Brickell. and River Park Inn Suites.

Hotels in the South Beach area are definitely pricey, but when you compare the rates against a hostel in the same area, it’s only a few dollars more to book a private hotel room. Properties like Island House, Red South Beach. South Beach Plaza Hotel. The Penguin Hotel. and Hotel Chelsea are cheaper hotels in Miami’s South Beach.

Luxury Hotels for Less in Miami

With so many attractions and neighborhoods, you can spend weeks exploring Miami and only scratch the surface. Some of the most popular reasons people travel to Miami include its famous beaches, high-end shopping, the city’s culinary scene, business conferences, and annual events. Luxury hotels dot the shoreline of every high-end spot of Miami, so what is the secret for scoring one of these hotels for less?

One of the best deals in town is the Hyatt Regency Downtown Miami. A luxury business hotel, it’s centrally located and offers what you’ve come to expect from the Hyatt brand. Other tips include boutique, nonchain properties. Miami is filled with art deco and trendy small properties like the Mayfair Hotel Spa in Coconut Grove or South Beach’s Dream South Beach .

If your dates are flexible or you’re willing to book last minute, put in a hotel bid with Priceline. Many luxury hotels wind up with standing inventory and Priceline’s Name Your Own Price system can result in savings of 35 percent or more off published hotel rates.

Getting to and From Miami International Airport and Miami Airport Hotels

Many hotels in Miami offer complimentary shuttle service to and from Miami International Airport. Be sure to read details when doing a hotel search to factor in the need to rent a car or rely on public transportation. Some hotels have hefty overnight parking rates that can make a cheap hotel on par with some luxury hotels.

With Miami’s public transportation system, many people find they enjoy getting around Miami without worrying about traffic and parking charges associated with renting a vehicle. Miami’s public transportation system includes the Metrorail, Metrobuses, and a really cool Metromover that shuttles people around the Downtown Miami area at no cost. If you prefer private transportation, Miami International Airport has reliable taxi services, and Super Shuttle serves MIA as well.

If you prefer to stay near the Miami International Airport, there are plenty of cheap hotels nearby. If you have an early morning flight, consider booking the on-site Miami International Hotel Airport located on the departures level of Concourse E. Cheap hotels near Miami International Airport include Days Inn Miami Airport North and La Quinta Inn Miami Airport North. More upscale but still budget-friendly hotels near MIA include Embassy Suites Miami International, Sofitel Miami, Hilton Miami Airport. and Hilton Garden Inn Miami Airport.

Hostels in Miami

While there isn’t a huge selection of hostels in the Greater Miami area, there are a couple of options. Check out Bikini Hostel in South Beach to be right in the Miami Beach action. Check room types carefully as some days it is the same price for a private en suite as a nine-bed dorm.

Another hostel is the Miami Paradise Hostel in Downtown Miami. Often called MPD Bed Breakfast, this property is near the beach and minutes away from the Port of Miami and Little Haiti. Prepare meals in the communal kitchen to save more money and take advantage of amenities like free Wi-Fi.

Airbnb and Private Rentals in Miami

If you prefer private lodging and vacation home rentals, Miami has a huge selection of private homes and apartments available for short-term use. Not surprisingly, the prices range from just over what you would pay for a South Beach shared hostel to a penthouse significantly higher than luxury hotels brands like the Mandarin Oriental. With private Airbnb home rentals, you definitely need to be flexible with your dates in order to find the best deals. Don’t skip over the most popular neighborhoods and beaches, as those areas are filled with vacation rentals.

Helpful Resources for Planning Your Miami Visit

If you are unsure what you want to do on your Miami vacation, start by visiting Miami’s official visitor and tourism website. Once you have a better idea on what you want to see and do, you can narrow down which Miami neighborhoods interest you most.

Utilize travel-planning sites like Hipmunk for hotel and flight comparisons. If you are flying domestically, do a search of flight prices to both MIA and Fort Lauderdale airports, as FLL is not that far away from Greater Miami. American Airlines maintains a hub at MIA so look for the best selection of flights and connections with Oneworld alliance carriers.

If you are planning to rent a car, check Priceline to compare rental car deals. Check whether the rates are cheaper if you rent at the airport or from an off-site location. If airport locations have a glut of sitting vehicles, it’s not uncommon to snag a really cheap deal from Priceline. Just don’t forget that airport locations have additional fees and taxes automatically tacked on.

Look at the Miami International website for a detailed explanation of the various types of public transportation available, along with helpful maps and diagrams.

Consider VIP organized tours and excursions through premier tour services like Viator. If you prefer to explore on your own, look online to purchase the Go Miami Card. This all-inclusive attractions pass includes free admission to 33 of Miami’s best attractions, insider perks, and shopping discounts. Purchase a one-day, two-day, three-day, or five-day pass, or you can build your own customized pass, saving money on attractions of your choice.

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Credit Cards – Compare Best Card Offers & Apply Online #get #a #credit #cards,

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Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





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Where to Find Small Business Grants for Women #business #invoices

#business grants for women

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Where to Find Small Business Grants for Women

Do you think financing a small business’s startup and expansion is as easy as obtaining a free grant from the government? You might (almost) be excused for believing that Uncle Sam is handing out bags of free money to anyone with two X chromosomes. In addition to late-night infomercials about government grants, dozens of articles full of misinformation about small business grants for women can be found online, full of vague terms and hazy promises like “The government offers a wide range of grants for women entrepreneurs.”

Well, I hate to be the bearer of bad news, but as the saying goes, “If it sounds too good to be true, it probably is.” Small business grants for women are few and far between. Why? Here’s what you need to know.

The Federal Government Doesn t Provide Grants for Starting and Expanding a Business

First, to quote from the SBA’s website, “ The federal government does NOT provide grants for starting and expanding a business. ” Instead, the federal government gives grants to non-commercial entities, such as universities or nonprofit organizations.

How did the misconception that the government provides small business grants arise? Perhaps it’s because the federal government does make grants to help state and local governments, which often turn around and use those funds to offer grants to organizations that help small business owners. In other words, if you started a nonprofit to help women start businesses, you might be able to get a government grant for that. But you can’t get a government grant to start a business yourself.

According to the SBA, some states do provide grants to businesses whose work benefits the region and its residents. For instance, you might be able to get a grant if your business helps develop energy-efficient technology that helps the state and its residents save money, or if you are expanding a child-care center (enabling more residents to work and support themselves). Even in these limited cases, however, the grants are rarely “free money.” You may be required to match the funds with an equal amount of your own capital or with a loan, for example. To search for this type of grant, visit the official government grants website, Grants.gov, and check out their section for grant applicants to see if you are eligible. (There are no small business grants for women on this site that aren’t also open to men, but there are some for small businesses.)

The 4 Best Small Business Grants for Women

Knowing the options are limited, let s talk about where women entrepreneurs can find funding. Here are a (very few) small business grants for women to investigate.

  • Eileen Fisher Women-Owned Business Grant Program: Fashion designer Eileen Fisher launched these small business grants for women in 2004. Today the company awards $100,000 in total grants annually to 10 women-owned businesses beyond the startup stage (maximum $10,000 per recipient). Learn more about eligibility and the application process here .
  • Amber Grant . Launched by Womensnet.com in 1998 to honor the memory of a young woman who died before she could fulfill her entrepreneurial dreams, this program makes a $500 grant to one qualifying woman business owner each month; one of those women receives a $2,000 grant at the end of the year.
  • IdeaCafe Grant . IdeaCafe awards $1,000 grants to small business owners. Although the grant is not for women only, the vast majority of the winners have been female.
  • Grants and Scholarships for Women (GrantsforWomen.org): You can search this database of scholarship opportunities and grants for women, but be forewarned—most are for non-business purposes.

As you can see, these grants are so small that your time may be better spent in figuring out ways to grow your business without them.

When you’re seeking a grant, watch out for scams. If you’re asked to pay money or sign up for some kind of subscription to access a listing of small business grants for women, beware.

Your best bet in seeking a grant to start or expand your business? Talk to your local Small Business Development Center (SBDC) or SCORE office. These organizations are plugged into the local financing community and will be able to guide you if, indeed, there are any small business grants for women in your area from local corporations, philanthropic or economic development organizations. You might also want to look into SBA loans for women. an affordable kind of financing for female small business owners.





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Find the best Business lawyers near you #business #start #up

#business lawyer

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Business lawyers

What a Business lawyer can do for you

A business lawyer will advise you on many different aspects relating to business, such as regulation compliance, business incorporation, and legal liability. The sooner you retain a business attorney, the better. Your lawyer will make sure that you set up your business properly, create contracts for you, make sure you re hiring legal workers, file patents, buy and sell businesses, and more.

Practice areas related to Business

Why hire a Business attorney

If you want to start, manage, transfer, or exit a business, you may benefit from a business attorney’s services. Business attorneys have experience with many different industries and professional fields. If you are considering bankruptcy relief for your business, a business lawyer will also have the knowledge necessary to help you navigate your options for your business debt. Depending on your business and activities, you may need one or more type of business attorney.

The Avvo advantage

Avvo gives you all the information you need to find the right lawyer.

  • 50 states
  • 120 areas of law
  • Detailed profiles including reviews
  • 50 states
  • 120 areas of law
  • Detailed profiles including reviews




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Advertising Jobs – Search Advertising Job Listings #advertising #jobs, #advertising #job #opportunities, #advertising #job

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Advertising Jobs

Advertising Employment Information

Advertising Industry Overview

The US advertising and marketing services industry comprises about 37,000 companies with combined annual revenue of about $88 billion, according to Hoovers. Some of the largest players offering jobs in advertising are Interpublic, Omnicom, Valassis Communications, as well as the US operations of Publicis and WPP. The industry is fragmented: The top 50 companies generate about one-third of revenue. In this creative business, size does not always correlate with success.

Advertising Job Market

Advertising, promotions and marketing managers held 216,800 jobs in 2010, according to the Bureau of Labor Statistics (BLS). Jobs for managers of advertising, promotions and marketing operations are forecasted to grow by 14 percent from 2010 to 2020, about as fast as the average for all occupations, the BLS reports. Nearly 30,000 new advertising job opportunities are expected to open up over the decade.

Both corporate marketing departments and advertising agencies offer numerous career opportunities in advertising. Advertising jobs at some small boutique ad agencies are among the most prestigious in the industry.

Although many advertising professionals still devote most of their efforts to print, broadcast and cable media, the Internet and other digital media offer the greatest potential for career growth.Professionals who can successfully integrate campaigns in traditional and digital media and measure results to continuously improve performance are well-positioned for success in their advertising careers.

Typical jobs in advertising include advertising director, creative manager, digital strategist, media planner, media buyer, copywriter, designer, sales executive and account executive.

Advertising Salaries

Median annual wages were $45,250 for advertising sales agents in May 2011, with the middle half earning between $30,750 and $68,900, the BLS reports. For advertising and promotions managers, median annual wages were $87,650, with the middle half earning between $59,780 and $128,840 and the top 10 percent earning more than $186,600.





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Find My Mobile #find #my #mobile,smartphone #lost #tracking,lost #smartphone #locator,samsung #galaxy #lost #phone #finder,samsung

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Find My Mobile

Management service for personal information on device

If you lose your device, then Find My Mobile lets you minimise the possibility of your personal information becoming public by using the Lock my device and Wipe my device functions. In addition, you can locate your lost device by using the Locate my device function.

Find My Mobile

Find My Mobile

Where is my device? The Find My Mobile feature helps you find the current location of your device.

Lock my device

Lock my device

Lock your device remotely to prevent it from being used by others and to minimise the risk of personal information theft. You can also set a message to be displayed on the screen of your locked device and set a phone number that can be dialled even when the device is locked.

Ring my device

Ring my device

The Ring my device feature sounds the default ringtone of your device at its maximum volume for 1 minute, regardless of any sound or vibration settings. By sounding the ringtone, you can get people’s attention around your lost device, increasing the chances of your device being found.

Call logs

Call logs

The Call logs feature allows you to check the recent calls to and from your device for the last week. By using Call logs, you can check whether you missed any calls or whether someone made a call you didn’t know about.
*Message logs aren’t currently supported.

Wipe my device

Wipe my device

Use the Wipe my device feature to protect your information as a last resort. This feature wipes all data saved on the device’s internal memory, external memory, and SIM card. It also deletes all the data saved on your device and resets the device to its factory settings.
*Find My Mobile is not available after wiping and resetting your device.

Unlock my screen

Unlock my screen

Forgot your PIN, password, or lock pattern? The Unlock my screen feature allows you to remove the Lock Screen settings of your device remotely.
*For certain models, this feature can be used to cancel the Lock my device feature.

SIM change alert

SIM change alert

If the SIM card from your lost device is changed, there is a high risk of personal information theft. Find My Mobile notifies the owner when the device’s SIM card has been changed. Also, a text message that your SIM card has been changed is sent to the number set for the Lock my device feature.
*Certain features may not be supported, depending on the model and region.

Register a personal guardian

Register a personal guardian

Register a family member or friend as a guardian in case of an emergency. The guardian can activate Emergency mode on your device, which enables the device to be easily located.

Emergency mode to save battery power

Emergency mode to save battery power

You can use Emergency mode to reduce the power consumption of your device and prolong the battery life. If the device that you have been registered as a guardian for must remain active for an extended period of time, activate Emergency mode on that device. Emergency mode will reduce the screen brightness and disable most of the apps and functions on the target device, extending the battery life.

The images of devices shown on the introduction page may differ for each country. The features described above may slightly differ depending on the country, mobile provider, or software version.





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How to Find a Lender for a Home Loan #find #a #lender #for #a

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How to Find a Lender for a Home Loan

Tips Warnings

  • One way to help cut down on the legwork of finding a lender is to work with a good real estate agent who has experience with many lenders and can give helpful advice. A good way to gauge an agent’s advice is to compare that agent’s short list with rates you have found on your own.
  • The most common mortgage lenders (or originators, as they are referred to) are traditional banks, savings and loan associations and mortgage bankers. Banks are probably the most visible since they advertise heavily and most everyone has a checking and/or savings account.
  • Because of bank consolidation, looking at smaller banks can prove worthwhile. They can offer very good rates, as do savings institutions.
  • Mortgage bankers do only mortgages, and the best ones offer very competitive rates.
  • For qualified low-to-moderate income families purchasing rural property, the U.S. Department of Agriculture offers loan guarantee programs. Contact the USDA/RA office in your area, listed in the blue pages of your phone book.
  • Low-to-moderate income, first-time buyers should also contact the National Council of State Housing Agencies (202-624-7710) to locate the agency in your state that offers low-interest loans to qualified buyers.
  • While real estate agents can be good sources for finding lenders, their word should not be taken as gospel. They may be experienced, but they may also simply be comfortable working with certain lenders and may not be up-to-date on the better lenders.
  • Mortgage lending is not the strong point of many banks, so often they don’t offer the best rates.
  • Remember that the initial rates you get are not carved in stone. Rates can change quickly, particularly when interest rates in general are volatile.

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Credit Cards – Compare Best Card Offers & Apply Online #which #business #credit #card

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Compare partner credit card offers from our most
popular categories

How to choose a credit card

When looking to get a credit card, there are a variety of things you should consider. If you want a rewards card to use frequently, you might not mind paying a $100 or $200 annual fee. You should also consider the regular APR (as opposed to the introductory rate) and the interest rate. A good interest rate is dependent on how you will use the card. For example, a 20% interest rate is fine if you plan on paying off the balance every month.

It pays to ask these kinds of questions before you fill out the application form. Here are 9 questions you want answered before you sign on the dotted line.

The “very first question” the consumer should ask is, “Why am I applying for this card? Why do I need this card?” says Bruce McClary, media director for ClearPoint Credit Counseling Solutions, a nonprofit affiliated with the National Foundation for Credit Counseling

Some positive reasons: The card has low or no fees, a lower interest rate or offers a rewards program that suits your spending habits. “It has to make sense, and it has to fit into your overall lifestyle,” McClary says.

Do you pay off your credit card balances every month? If so, “you don’t care what the interest rate is because you won’t pay any,” says Ric Edelman, author of “The Truth About Money.” “But you care about the (annual) fee,” he says.

If you run a balance, you want the lowest rate you can get, even if that comes with an annual fee.
One clue to your usage: “Look at your past history,” says Edelman. “Because what you’ve done before is what you will be doing.”

If you’re shopping for a card, chances are you’re comparing card terms. But if an issuer sends you an offer, it’s tempting to apply and see what you get.

“It’s really difficult to pick one (in isolation),” says Kelly Rogers, chief development officer for the Consumer Credit Counseling Service of Orange County and adjunct faculty at Chapman University. “If someone just shows you one car, how do you know if it’s the right car for you?”

Her advice: Do a side-by-side comparison of several different cards before you apply.

Don’t be afraid to plug the card name, “complaints” and “customer service” into your favorite search engine. “I go through and see who has the least amount of complaints and issues,” says Rogers.

Some cards will give you a range of rates you could get, but often that window is pretty wide, says Nick Bourke, director of the Safe Credit Card Project at The Pew Charitable Trusts. Other cards may offer a specific rate (or terms) and either approve or reject you.

If you’re operating totally in the dark, you have another option: Apply by phone and push for an answer on your rate and credit line before the account is opened.

While there are no guarantees, sometimes you can get an answer, says Bourke.
“I’ve actually done this myself,” he says, admitting “you do have to go pretty far in the process.”
You may have to ask for the department that’s actually evaluating your application to get an answer, he says.

“The thing that you want to do is when you’re talking to the person on the phone taking your application is you want to push them as hard as you can to get your APR and credit line,” Bourke says. Then, once you have the information and before the account is opened in your name, “you can say yes or no at that point,” he says.

According to the Credit Card Accountability, Responsibility and Disclosure Act of 2009, if a card offers a lower interest rate during an introductory period, the promotional rate has to last at least six months. While that introductory offer may be appealing, the regular rate is what you’re really buying.

So find out when the introductory APR expires and what the new rate will be. You can find this information online in the terms and conditions for the card or you can ask a service representative.

Another smart question: How long is that grace period? “Some cards start charging interest immediately,” says Edelman. A card can have different grace periods for balance transfers and cash advances than it does for purchases.

You can find information about the grace period in the credit card offer, thanks to federal rules that took effect in 2010. Look for a summary table of rate and fee disclosures, which will include a statement that explains how to avoid paying interest.

If you’re getting the card for points or rewards, this is one you definitely need to ask, says Josh Frank, senior researcher with the Center for Responsible Lending. Some issuers will revoke rewards if you’re late with a payment by even one day, he says.

“A lot of times, the answer they will give you is that they can take away or reduce your rewards for any reason,” he says. While that’s true, the issuer will have a policy on revoking or reducing points, and that’s what you want to ask about, he says. Under what specific circumstances would they reduce or eliminate a customer’s points?

In most cases, “this is one the customer service agent should know the answer to,” he says.

Some card issuers use your purchase records to assess your ongoing creditworthiness.

That means if you suddenly use your card to purchase retread tires, pay for a session with a marriage counselor or make a purchase at a market on a sketchy side of town, you could see your APR climb or your credit limit fall, says Frank. If you see this practice as an invasion of privacy, ask beforehand if the issuer does this, he says.

How to phrase it: Can my transactions ever be used in rating my credit risk?

And that’s one question the customer service representative “might not know the answer to,” says Frank. “You might want to ask them to transfer you to the credit department manager.”

If you are guaranteeing a card account by co-signing for a college student, ask if you will be on the hook for the debt after the other party turns 21, says Chi Chi Wu, staff attorney for the National Consumer Law Center.

Many times, “there is nothing to prevent the issuers from saying you’re going to be guaranteeing this card 15 years from now — long after junior is out of college,” she says.

In addition, find out exactly what has to be done to get you off the account. Are you free to complete those steps yourself? Or will you need the cooperation of someone who might not want you — and those charging privileges — to go away?

Federal regulations limit your liability for unauthorized credit card charges to $50 if you report it within two business days. The longer you wait, the more you may lose. Many issuers cap losses at zero dollars, provided you follow a few rules. So find out how the card would handle charges you didn’t make, says McClary.

Also, does the issuer monitor usage and shut down the card if it sees out-of-the-ordinary charges or spending locations? That feature can be great if you always use the card for the same types of purchases in the same geographic area, but cumbersome if you’re getting the card for travel.

While it sounds counterproductive, you want to ask some detailed questions on how the issuer will treat you if you run into financial problems, says McClary.

Will you lose points or benefits? Will you be hit with late fees or a penalty rate? Ask what those penalties are or look online at the terms and conditions for the card.

Some issuers have programs to slash interest temporarily for customers who get behind, he says. Others don’t. So find out ahead of time what kind of programs the issuer offers that will help you rehabilitate your account and restore your original terms, McClary says.

Ask about the “worst case scenario,” he says. “When do they consider an account to be charged off? And when do they send an account to a collection agency?”

“It may be a little tough to get a hold of that information because it might not be readily available at the customer service level,” says McClary. “You may have to punch it up a level.”

Bankrate’s best credit cards





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Health Administration Jobs – Search Health Administration Job Listings #health #administration #jobs, #health #administration

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Health Administration Jobs

Health Administration Job Overview

Those who work in health administration jobs are often referred to as medical and health services managers. They direct, plan, and coordinate a vast variety of medical services as well as health-related services. They may manage a certain department or area of a hospital, or they may manage an entire doctor’s office or suite of offices.

Employees who work in health administration jobs typically perform the following duties each day:

  • Strive to be efficient in how they deliver healthcare services
  • Make the work schedules for medical staff members of their office or division
  • Supervise assistant administrators in the medical facilities
  • Train newer employees who will work under them, including assistant administrators
  • Represent the medical facility on governing boards
  • Organize and maintain the facility’s records of such data as the number of hospital beds or patient rooms that will be available
  • Communicate with doctors, other staff members, and patients in a courteous, professional manner

Workers in the medical field will likely enjoy working in health administration jobs if they excel at multitasking and supervising. They also need to have a great bedside manner because of the many diverse personalities that they will work closely with each day.

Health Administration Job Education Requirements

Employees who work in health administration jobs usually need to have at least earned a bachelor’s degree to get a starting level position. Those who attain a master’s degree in health services, public administration, or a related field are more likely to acquire the more competitive and desirable positions that also pay at a higher rate. It’s ideal to work towards a degree in health administration because these programs help you understand the complex duties that you will be performing, and you will likely learn necessary things like health economics, strategic planning, and hospital organization and management. Also, employees who work in health administration jobs must be willing to continually remain educated on changes in healthcare laws, technological advances, and medical regulations.

Health Administration Job Market

Between 2012 and 2022, the Bureau of Labor Statistics projects that there will be a growth of 23 percent in health administration jobs, which is great news for those who are pursuing this profession. That adds up to around 73,300 new jobs. The demand for health administration workers is expected to grow as medical group practices become larger. A large aging population will mean the expansion of many healthcare facilities and the addition of new ones for some time to come. There will also be a growing demand for other healthcare jobs like nursing jobs and biotechnology jobs .

Health Administration Job Salary Information

Medical and health services managers earned a median salary of $88,580 in 2012. The top employees in these positions made over $150,560, while the low-end average salary was under $53,940, which is still considerably more than positions like medical reception jobs. Larger hospitals and medical facilities in larger cities like Seattle, San Francisco, and Los Angeles are likely to pay significantly more than smaller doctor’s offices throughout the country. In order to move up to a substantially higher-paying position, employees who work in health administration jobs should continue to get a higher education.





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FoxTrot Personal Search #mac, #find, #search, #documents, #content, #spotlight, #index, #indexing, #capitan

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What FoxTrot Search products users say:

“Wow, this is an amazing application. I have been looking for a fast local search tool that provides live previews and FoxTrot does the trick. I often have to search thousands of pages of developer references to find answers and this is the only search program I have found that is worth keeping open on my desktop.”

“Foxtrot Professional Search has rapidly become an almost indispensable tool in day to day work. “

quote on FoxTrot mailing list

“Finally a local search tool that can wade through thousands of documents and provide accurate results with live previews. Even hyperlinks are maintained in HTML docs. Amazingly fast indexing and tons of search features. A little pricey but it is one-of-a-kind.”

“Foxtrot Professional Search is a fantastic application. I simply couldn’t live without it.”

“Thanks for your earlier excellent responses to my support questions.They were thorough and helpful.”

unsolicited quote from Mr. Mick M. FoxTrot Professional customer

“Having used FoxTrot search capabilities within Power- Mail for two years, I‘m delighted to see these now avai lable for the rest of my data. In fact, I was so thrilled at the announcement that I paid for my copy before the software was available – and haven‘t regretted since.”

Marco Osti, Italy (customer #000001)

“. In addition to providing an outstanding text based e- mail program, CTM provides excellent technical support to supplement its user‘s help message exchange group. I‘m pleased to be among those who use FoxTrot and PowerMail daily.”

Nicholas Keck, California “

FoxTrot Personal Search really brings a new dimen- sion to managing relevant files on my PowerBook. I previously had to come up with file names and complex folder structures just be able to find information; thanks to FoxTrot Personal Search, I now store thousands of documents of various types in a single folder and instantly find exactly what I had been looking for.”

G. Christen, Zürich Switzerland

See far beyond Spotlight

“I know it’s there somewhere”… have you ever felt the frustrations of having to rewrite a document that you just know existed, only to be unable to find it with Spotlight. The frustration seeking a tidbit of information in you Mail, PDF or Word files without just narrowing down the right file ?

Get a grip on your documents folder and archived media

FoxTrot Personal Search is a unique and robust document search application for Mac OS. Built on top of CTM’s FoxTrot Search engine, FoxTrot Professional Search builds an index file from selected document folders on your hard disks, making their contents accessible in a split second. Supporting over 300 documents and metadata types, FoxTrot Personal Search supersedes Spotlight searches for most of these cases, while supporting all the file types for which Spotlight metadata importers exist as included in many third-party applications.

All common document types (PDF, Word, Excel, PowerPoint, HTML, Apple Mail…) and any document type for which a Spotlight metadata importer plugin is present (over 300 file types altogether) get indexed and become searchable using three different search keys.

Multiple search windows

Open as many search and preview windows as needed, and once you think you’ve narrowed a selection down, open them with the application that created them.

Search from any application

Thanks to the FoxTrot system menu, a search can be initiated even if FoxTrot Personal is not yet launched.

Automatic index updates

And once it is launched, you can set FoxTrot Personal Search to update you index as often as needed. Volume scans are quick, and only the most recently modified documents get reindexed.

FoxTrot Personal Search typically pays for itself in the time saved when using it intensely for the first half hour.For users with small-scale or occasional document search needs, FoxTrot Personal delivers the fastest, most focused and precise way to find data in your files.

Based on CTM Development‘s revolutionary FoxTrot search engine – used in more than 41 countries and 24 languages by users of CTM‘s PowerMail – FoxTrot Personal Search brings high performance document retrieval and indexing to your most important files.

Dynamic categorization In order to “zero in” on the documents which really matter, FoxTrot lets you narrow the number of hits by clicking on several categories, which are dynamically generated based on the information and content of found files. This advanced process, derived from scientific investigation techniques, lets you successively tag hits by file kind, age or parent folder. Dynamic categorization is a unique FoxTrot feature.

Flexible relevance ranking Typical searches yield too many results: FoxTrot Personal Search‘s exclusive ranking mechanism weighs each search result, and displays most relevant documents first. If you‘re overwhelmed by the number of matches, a slider setting will repeat the search with a more discriminating eye.

Take a walk on the wildcard side One of FoxTrot’s secrets for precision and speed is that it searches exactly on the search terms. If however you wish to find terms starting with a given





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