According to the SBA, nearly 98 percent of all businesses in the U.S. are small businesses—but their contributions to the country’s economy are anything but. Altogether, these estimated 30 million companies account for 65 percent of the nation’s GDP, or gross domestic product. The success of these myriad organizations is clearly vital to that of the U.S. itself, yet many of them struggle due to short-term cash flow challenges. Data analysis by Fundbox, a company that provides small business financing, shows some $825 billion unpaid invoices are a big part of the problem.
5 Things Everyone Should Know About Credit Card Numbers
Whenever you get a new credit card, you might be a little baffled by the long string of numbers. Yes, there are a lot of people with credit cards, and the issuers need to have a variety of numbers in order to make sure every person gets a unique identifying number. But that’s not the only reason. Every one of those numbers on the front of your card (and the three or four on the back) serve a purpose.
Increase Your Earning Potential with Courses from CreativeLive
According to a recent poll, getting a new job is once again among the top resolutions Americans have made for the new year. If you are among them, CreativeLive may be a great place to start. With over 1,500 curated courses by the world’s top experts in a wide range of subjects, the online learning community is a valuable resource for professionals who want to enhance the skills used in their current careers as well as those who dream of turning their talents into viable businesses of their own.
Survey Finds Most Employees Regret Not Saving for Their Financial Future
According to American Century Investments’ annual National Plan Participant Study, 90 percent of U.S. employees feel at least some regret about saving for their future. Among the 1,500 full-time workers surveyed for the study, more than half feel that not saving enough is one of the greatest mistakes of their lives.
Save Money on Your Next Road Trip with Outdoorsy
When it comes to planning a trip, most people do it on a budget. You want to have a nice vacation with your family, but you don’t want to break the bank. An RV that can serve as transport and lodging may sound like a good idea, but while many RV owners buy one with the intention of using it many times throughout the year, the reality is that many campers sit in driveways most of the time. Over 15 million RVs in North America sit unused for nearly 350 days each year, according to Outdoorsy, a company that helps both RV owners and travelers save money on their vacations.
Should I Apply for a Store Credit Card?
A store credit card, also commonly referred to as a co-branded credit card, is a credit card that is sponsored by both a retailer and a credit issuer. Aside from providing shoppers with an additional payment method, store cards are commonly intended to enhance the user’s shopping experience while promoting customer loyalty. But should you get one?
Get Inspired to Save and Give Back with Inspirus Credit Union
Money and education often go hand in hand, and it all starts with the necessary building blocks from elementary school. At Inspirus Credit Union, it’s all about caring about students in the community. RewardExpert spoke with Collin Campbell, vice president of strategic initiatives, and Morgan Cole, public relations specialist, about what makes their credit union stand out from the rest and why after more than 80 years it’s still going strong.
Start on Your Successful Path to Investing with Acorns
When it comes to investing, many people incorrectly believe that you need to have a lot of time and a lot of money to be successful. In fact, you can get started on your road to financial freedom by investing whatever you have, thanks to companies like Acorns.
RewardExpert spoke with Manning Field, chief commercial officer of Acorns, which is a mobile investment platform that helps anyone and everyone invest their money. “We firmly believe that anyone can grow wealth,” according to Field.
Introductory Credit Card Offers Come With Pitfalls
The credit card market is very competitive. Card issuers are in heavy competition for your business. As a result, credit card companies are quick to offer perks to win consumers over.
However, not all perks are created equal. In fact, consumers need to take certain steps to ensure those perks don’t turn into expensive financial headaches that cause damage to one’s financial life for years to come.
Millions of Americans are Starting or Running Financially-Viable New Businesses
Over the past two years more than 25 million Americans started or were running new businesses in an economy that continues to show moderately healthy growth, according to the Global Entrepreneurship Monitor (GEM) 2016 United States Report released by Babson College.
Business Finances: Saving Time and Money with Deputy
What if you could manage key aspects of your business while lying on the beach? Create schedules or finalize payroll while sipping an exotic beverage, or even get the low down on how the weather will impact your scheduling back home while watching the sunset?
If any of that sounds good to you then Deputy might just be up your alley. It is software designed to streamline scheduling and workforce management. Companies like Amazon, Nike, and McDonald’s are already using Deputy, and so is NASA, along with local mom-and-pop stores looking to get the most out of their money and time.
Get the Credit and Financial Independence You Deserve
In the wild world of finances, it can be tough to get access to credit. For students who are starting out and having a hard time getting their first credit card, it’s hard to know where to turn. A company called Deserve helps make credit access possible.
Don’t Make These 4 Credit Card Mistakes
Managing your credit cards can be time consuming, especially if you are in debt. There are a host of moving parts with credit cards, from the interest rate to the due date and annual fees. It can be easy to stumble and miss a payment or be tempted to take out a cash advance in a pinch.
Save Time and Money by Paying Your Bills Through doxo
Let’s face it, paying bills is not a fun activity, as you part with your hard-earned money. Even with the convenience of online bill pay, it still seems like a tedious process and takes time – not to mention having to remember each bill, each online password, each due date, etc. But the days of stressful bill-paying are over.
A company called doxo has made this process simple by allowing users to pay each of their bills in one convenient place, the doxo platform. According to VP of Marketing and Consumer Services for doxo, Jim Kreyenhagen, “doxo is the first crowd-sourced, customer-centered bill pay solution built around the consumer, and it’s already changing the way people manage their bills.”
Save Money on Your Mortgage with Mr. Cooper
Buying a home is one of the most important financial and personal decisions a person will ever make. Naturally, most buyers have lots of questions about mortgages, interest rates, taxes, down payments and more. A company called Mr. Cooper is aiming to answer those questions, working to make the home loan process simpler by putting the focus back on customers.
Why You Shouldn’t Close an Unused Credit Card
Closing down a credit card will usually hurt your credit score, especially if you’ve had the credit card open for many years. If you no longer want to use a particular credit card, you don’t have to close it down. There are other options out there to prevent you from using the card and accumulating high balances.
Let’s explore why it’s a bad idea to close down your credit card.
Save Time and Money on Your Next Home with the Homesnap App
Finding your perfect home isn’t an easy task. It usually takes countless hours of research, time viewing homes, looking up listing agents, etc. Homesnap is an app that simplifies the process by providing accurate, real-time data on over 90 million homes in over 100 markets, representing about 750,000 agents nationwide.
How SAS Analytics Protect Your Finances
With the New Year, now is a great time for consumers and businesses to think about protecting their financial data. North Carolina-based SAS is one of the analytics companies that businesses turn to, to stay ahead of fraud and security threats. Banking Fraud Solutions Manager at SAS, Ian Holmes, spoke to RewardExpert about some of his company’s products that help keep banks, merchants and consumers safe.
4 New Year’s Resolutions for Personal Finances
It’s that time of year where everyone is talking about the goals they plan to set for the new year. There’s a lot of talk about getting to the gym more and eating less junk food
While all this is well and good there is a three-digit number that may be getting sadly ignored. Not your weight. Your credit score. While you are going to want to keep that number on the scale low you are going to want to get that credit score to gain as much as possible.
Make More Money and Find Alternative Investment Options with TWINO
If you’re looking to boost your financial returns and make more money, are interested in alternative investments and would like quick access to your newfound cash, consider peer-to-peer lending. One of the fastest growing companies in Europe’s peer-to-peer lending industry is Latvia-based TWINO.