Category: News

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

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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

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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

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