What to Look For in a Credit Card App

Certain risks can come with the application of a credit card, but again, it doesn’t have to be that complicated. Considering there are a million and one credit cards available, you should take your time to get the one that suits your needs. Here are some of the things to put into consideration when choosing a credit card app.

1. Charges

As for the charges, you should check in the credit agreement. What other fees apply to this card? In case you are using the card for late payment or abroad, there is always a cost for going over your credit limit.

2. Minimum Payment

If you do not pay off the balance every month, you are requested to pay the least amount, which is usually around 3% of the outstanding balance.

3. Cash Reimbursement

Depending on how much you spend, a certain amount is refunded to your card. Remember, according to Kin Hubbard, the safest way to double your cash is to fold it and put it back to your pocket, so qualifying to get some cashback should be your biggest concern. Lower interest can be a perfect deal, but this can only be achieved if you pay your balance in full every month.

4. Loyalty Points

Loyalty is about understanding clients, their buying behavior, and preferences. Check out the particular shops or merchants that ensure the customer is placed at the center of their business. And by so doing, you will be able to buy goods using the points that you have earned. The points increase depending on the amount you use.

5. Yearly Fee

By the end of each year, some cards have a charging fee for card usage. This fee is added to the outstanding amount, and unless you pay it in full, you will be forced to pay some interest on the payment and the expenditure.

6. Annual Percentage Rate (APR)

If you don’t clear off the balance every month, there is a specific rate of borrowing on the credit card, referred to as the annual percentage rate. You can select the cheapest by comparing the APR for different cards. Additionally, you should also know more about the card in terms of fees, rates, and inducements.

7. Introductory Interest Rates

The introductory interest rate is where you kick off paying low-interest rate, which rises after a certain period. When comparing cards, don’t only look at … Read the rest

News

How Can You Tell if Your Browser Has a Secure Connection to the Web Server You Want to Use?

There’s a pretty good chance your website is a big part of your business these days. Which makes the stakes higher than ever when it comes to online security. Do you know if your website is secure?

A Bad Day at the Office

One minute, you’re going through your normal daily routine. The next minute, you suddenly realize that your website is down, and you can figure out what’s wrong.

Or maybe you realize that a hacker breached your site’s database and made off with sensitive information. Either way, it’s enough to ruin your day, if not month.

Getting victimized by an online attack is a major drag, but you can stack the deck in your favor. If you don’t want to end up tearing your hair out over some website crisis, you be aware of some steps you can take to protect yourself.

The Online Predator Mentality

Hackers aren’t just a bunch of kids messing around on their parents’ computers these days. Cybercriminals often times operate in groups, sometimes attacking across national borders. And they know what they’re doing, and what they’re looking for.

If you know anything about how most predators work in nature, you know how hackers operate. They’re not looking for the best opportunity. They’re looking for the easiest opportunity

Just like a pack of lions goes after the wounded gazelle rather than the fastest one, cybercriminals are looking for websites with gaping holes in their security. The more vulnerable the site, the more likely a hacker is going to poke their nose in and see what they can steal.

Covering Your Assets

You might currently be running a website with lax or outright bad security. But hey, it happens to the best of us.

You shouldn’t feel bad if your website security isn’t up to snuff. After all, it’s not like they taught classes about securing a website when you were in school. The bottom line is that most people don’t know what they’re doing when it comes to online security.

The good news is that you’re reading this, which means you’ve got a chance to figure it out before something bad happens. Or, you’re reading this because something happened. In which case, better late than never.

There are a number of easy steps you can take to figure out if your website is a wounded gazelle. First of all, take advantage of tools like … Read the rest

News

Best Private Equity Software Used by Private Equity Companies to Manage all its Operations

The culture of a private equity company is in stark contrast to that of most other workplaces. That’s because private equity firms are in the sensitive business of acquiring companies that are not making a profit and then quickly making changes and selling the improved “product” to their financial advantage. These days, the gentleman’s handshake and the three-martini lunch that were the tools of the trade for private equity companies have been replaced by something that is much more compelling and effective in the long run: private equity software.

THE OLD-SCHOOL WAY

Not so long ago – and perhaps it’s still happening in your company if you are a bit behind the times – the process of deal-making was a tortured one. It involved a seemingly endless stream of back-and-forth emails, data requests, replies, follow-up questions, more requests, spreadsheets and, if all went well, the final agreement. This endeavor was frustrating and, worse still, inefficient and prone to time-lapses and human error.

THE WONDERS OF TECHNOLOGY

It’s no secret that computers and the internet have utterly transformed the business landscape, and private equity companies are no different. Numbers can be crunched in a flash; data is sharable anywhere and at any time and security can remain a top priority. The cloud allows for critical digital materials to be stored off-site, virtually eliminating the risk of catastrophic loss due to a data breach or natural disaster.

WHAT PRIVATE EQUITY SOLUTIONS CAN DO FOR YOUR TEAM

Private equity solutions allow you to automate the formerly tedious tasks of requesting and processing data and manipulating complex spreadsheets. That leaves you more time to do what computers and virtual data rooms will never be able to accomplish: building relationships with movers and shakers in your industry. At the same time, you can remain at the helm of your fund-raising and due diligence projects.

Specifically, your private equity software can send a secure invitation to your limited partners that allows them to view data that is customized just for them. Thanks to the security of your virtual data room and the robustness of your software, all parties can fully participate in the due diligence process, with no balls being dropped or critical errors made.

In the end, your software benefits everyone in the room, greasing the wheels that can make the mechanics of even the most complex deal operate with minimal effort. That leaves … Read the rest

News

A Guide to Trade Marketing and the Best Strategies and Techniques

Did you know that the success of your marketing campaign, as well as your entire business, mainly depends on the method of communication you use? In the past, most businesses used posters, newsletters, emails, and brochures to ensure their customers are always updated. Most of these businesses thought there wouldn’t be any better technology other than emails since it was the fastest means to deliver messages.

However, some of these messages would be sent directly to spam, and this made it impossible for clients to read any of their updates. This paved the way for text message marketing. Today, mobile text marketing has lifted the spirit of business owners who had lost hope in their marketing campaign. 

Here are a few reasons why you might want to get a message marketing service from Textedly:

1.  Instant Deliverability

SMS marketing is very fast. The average time for sending to receiving a text message for all mobile carriers is less than 7 seconds. It’s just like putting your message into your potential client’s pocket. Although other marketing strategies are also fast, none of them can compare to the swiftness of a text message.

2.  Highest Engagement Rate 

In all marketing mediums, SMS marketing has the best engagement rate. Studies show that 90% of SMS are opened and read by recipients within the first 3 minutes after delivery. Moreover, about 95% of all adults own mobile phones throughout the world. Since sending and receiving SMS doesn’t require the use of the internet, text messaging has the highest rate of engagement across the globe. 

3.  Flexible Platform

Mobile text marketing allows you to send thousands of text messages to everyone on your list or send a few messages to a group of targeted individuals. You are the one to decide who should receive your messages. This makes it easy, efficient, and convenient to customize your campaign text messages in order to meet the needs of your subscribers. In short, SMS molds itself to any of your business needs.

If you are new to text message marketing, it’s important that you learn more about it because it’s the present and even the future of any marketing campaign. It’s a highly recommended strategy that lets you tap your potential market from all over the world. For more information about text message marketing, feel free to reach out to us at Textedly to schedule your initial … Read the rest

Home Security

What is the Primary Argument Against Increasing Cybersecurity

Web applications (apps) are all around us. More than the ones we encounter on our cellphones, apps also encompass smart speakers, Internet of Things devices such as thermostats and home security systems and even static websites that have been built using certain application software programs. As apps increase in number and popularity, they have become more vulnerable to security breaches.

BARRIERS TO SECURITY

Criminals are, so to speak, in the business of finding and exploiting weakness, ignorance, laziness, and procrastination. Harried entrepreneurs may, for instance, invest a good deal of time and money in paying someone to develop and implement an app but may then put off purchasing upgrades, resetting default administrator passwords or keeping an eye open for red flags. The bottom line is that you cannot rely on your firewall or a security report from several months back. Security of web apps is an ongoing challenge that is never “set and forget.”

IS YOUR WEB APP SECURE?

No matter how hard you try, you cannot absolutely guarantee that your web app is impenetrable to the onslaught of hackers. However, asking yourself the following questions can be a great first step that might save you thousands of dollars and countless sleepless nights:

• How much will it cost if my web app is breached? Consider loss of customer trust, reputation, and competitive edge.

• Is my source code secure, and is it regularly scanned for holes and vulnerabilities?

• Does your application link with any third-party libraries? If so, are they regularly tested for vulnerabilities?

• If you find a breach, who will fix it, and do you have the funds to pay for the repairs?

• Do your app’s developers still support it?

• Is your app one that hackers would especially want to attack? Have you ever tried to infiltrate it?

If the answers to these questions cause you to worry or if you’re not sure how vulnerable you are, it is worth investing in the services of an application security firm such as praxent.com. After all, your web app is one of the main ways that customers interact with your company. If it is compromised, you stand to lose a lot. Protecting it should be one of your highest priorities.

Your web app software’s security is something that needs to be protected throughout its life cycle: during development, deployment and for as long as you … Read the rest

Home Security

What To Wear For Spring: The Best Spring Outfits This Season

As the days get longer and the skies turn sunnier, it’s time to think about a fresh, updated look for spring. Get ready to store away those layers of winter woolens and start considering what lightweight fabrics, colors, and accessories to incorporate into your working wardrobe to infuse it with renewed energy and put some spring in your step. This spring 2017, fashion comes together with bright colors, florals, and bold patterns. Here are some valuable spring fashion upcoming in 2017

Tropical Kitsch
Many designers in Milan show in 2016 thought that women may want to wear a floral derby dress with a variety of patterns with vintage tropical floral, palms, and paradise reference. Materials used for such dresses include satin, silk, and printed chiffon. They also have halter necks and slits that looks like silhouettes with accents like beads or 3D embellishment.

Shearling Coats
Rebecca Warren with Daisy Duxie, “Shearling coats are a top spring fashion pick because of their incredible versatility. A sheepskin jacket or coat is the perfect outerwear to put over a springtime corporate suit, strapless party dress, floral sundress, or jeans and t-shirt. It has a chameleon quality that makes it perfectly blend in with any type of fabric or fashion style matches.” Some hot pairings are a bomber style shearling jacket paired with a flowing maxi-dress, a sheepskin car coat paired with a short floral sundress and cowboy boots and a sheepskin duffel coat worn with a t-shirt, scarf, and jeans.

Khaki and Neutrals
Khaki and neutrals are a natural choice for trekking into spring and summer. hunt jeans, shirts, and accessories such as attaché bags and tote bags complete the look. Updated for the 21st-century urban adventurer, the safari look is classic travel wear for women and men. Its hallmarks include patch pockets, epaulets, belts, and buttons. Since the natural look is also big now, this natural color is fashionable and practical. Just be sure to call it taupe, sand, or khaki – anything

Large, bold jewelry fashion statements
With necklaces, earrings, and bracelets that tend to be chunkier and a bit sparkly – will still be in vogue this spring 2017. These are great must-have pieces when you want to create some dramatic interest for your social wardrobe. But while dressing for the workplace environment, you should tone it down a bit. Instead of wearing five to ten strands of large … Read the rest

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