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Credit cards fixed rate no transfer fee

For many people, starting their own business is a personal dream. Before fulfilling your personal dream, it's necessary to get your personal finances in order.

At this early stage you'll be using your own personal finances to start your business and if you want to succeed you must approach your personal finances with a professional eye.Avoid funding start-up expenses via credit and running up huge credit card debt. Instead you should apply for a business loan, which has the benefit of being a one-time loan with typically lower interest rates than a credit card. However, in order to get good terms on your loan, you will have to have your credit card debt in order first.Without an established business credit history, lenders will have to look to your personal credit to negotiate your terms. You don't want personal credit problems starting your business credit off on a bad foot.Three Steps to Starting Your New Business With a Clean Credit ScoreA clean credit score will help you get the low interest rates you need to start your business on solid financial ground.Step One. Pay off your credit card debt.Once you know where your credit weaknesses lie, zero in on them to start improving your standing. Your goal will be to completely eliminate all credit card debt. It may seem like an insurmountable task, but in reality, paying it off as fast as you can is actually easier and less expensive than paying it off over a period of many years.First, start paying double the monthly minimum on the balance with the highest interest rate, while paying the minimum monthly due on everything else. By paying down that highest-interest balance, you will save yourself from potentially spending thousands extra in interest - and you'll be done in half the time. Once you have paid off that balance, move on to the one with the next highest interest, and so on down the line. Eventually you will enjoy the freedom of zero credit card debt. In fact, if you find yourself having a hard time staying away from credit card purchases – take them out of your wallet and bury them in your closet until you have improved your financial situation.Step Two. Check your credit report.Have you seen your credit report? You can get a copy of yours by visiting Look over it carefully to make sure there are no mistakes that could have negative effects on your credit and your interest rate.If you find any mistakes, you may dispute them through the credit-reporting agency. The creditor then has 30 days in which to respond to your dispute. If they fail to respond within 30 days, the disputed information is expunged. If it is a particularly old debt, creditors may not even bother to respond. Disputing credit report mistakes is definitely worth a try since you have nothing to lose but bad credit.Step Three. Pay bills on time.Your credit is not based solely on your ability to pay off your credit card debt. You must also demonstrate that rate no credit fixed transfer cards fee you are responsible when paying your bills: utility bills, car payments, and rent for example. Try to pay all of these on time and in full and it will reflect well on your credit report. If you have trouble remembering to pay your bills on time, try to keep them all in a highly visible place so you will have a constant reminder to pay them.Many utility bills may be paid online these days, so you can simply check with your utility companies to set up automatic payments. Not only do you maintain good credit by paying on time, but you also avoid paying late fees, and saving money is always a wise financial move!Before you establish your own business, it is imperative that you begin with a clean slate: no debt, healthy credit, and responsible financial habits. When you have a good credit score to begin with, your business will have a stronger start and will be easier to run. Good finances mean success. Best of luck with your new business venture!© 2005-2006®. This article may be freely distributed as long as the signature file and active link are included.2

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What does the phrase "team building" mean to you? Quad-biking? Abseiling? Propping up the bar with your work colleagues? Allow me to disagree.

Let's look at the word "build" and see where that leads us. The Concise Oxford English Dictionary defines the word "build" as "Establish, make or accumulate gradually". This definition implies a sense of time passing and growth. This, in turn, implies a modicum of care and attention to maximise the growth - or at the very least monitor the development.

So what kind of process works best to turn a team building session into something that improves team effectiveness back where it matters?

It is not uncommon for trainers and facilitators to like the sound of their own voice. Yet we all know that it is far more powerful if people can learn something for themselves rather than be told it. People turn off very quickly even after a very enjoyable team activity if the next thing they hear is the facilitator telling them his or her view of their performance.

I'll go further - the tried and trusted technique of "What did you do well? What could you have done better?" isn't much better. All too often you can hear people leaving team building sessions saying "every time we do one of these, we fail at the same old things" closely followed by "we'd have been better off talking about the real issues at work". If you are lucky, they might add "I enjoyed it though". So here's the dilemma. If you leave it up to the participants themselves to come up with the improvements, their blinkers stop them from seeing the obvious development opportunities that the activity unveils to those observing. Yet if the observers tell them what they see, the participants don't listen - or worse, become defensive.

I can hear you thinking "but a truly skilled facilitator will lead them to the learning without them realising it". Don't you believe it. Only the most naive of the group will fail to spot a facilitator guiding them somewhere they don't really want to go. And that taints the learning - or at least the chances of it being applied.

So if the participants can't see the learning and won't listen if someone else tells them, is a team building session doomed to mediocrity before it starts? No - there is a third option.

A team building debriefing guide, tailored to the activity and (ideally) to the participant group, is a superb mechanism to guide the learning while not interfering in the process. So what are the key characteristics that such a guide should have? My experience suggests the following seven elements are all key components:

1) It should be tailored to the activity and focus on those aspects that have one or more direct parallels in the group's real working environment.

2) It should provide an opportunity for individuals to reflect before any discussion within the team on the points it makes.

3) It should be constructed such that the input of every member of the team is necessary to complete the process.

4) It should not make value judgements in the way in which it describes particular aspects of the activity that might have gone well or less well for the team. Rather it should provoke discussion and encourage transfer back to the workplace.

5) It should provide places for individuals to capture their own learning and for the team to capture the group learning.

6) It should be useable purely by the participants themselves after brief instruction.

7) It should offer a framework for the team to invite observer input so that any "external" comments are requested by them rather than forced upon them.

Achieve all of these and you will have a superb base to build team improvements upon. And that feels like what the Oxford Concise English Dictionary is getting at.

Copyright 2006 Sandstone Limited

Credit card consolidation has been catching on as a popular and smart way for consumers to reduce their debt levels. The way that credit card consolidation works is like this: you obtain a new credit card with a nice size credit line and then transfer many of your outstanding loan balances over to the new card. Instead of paying 17.9%, 21.6%, or even 24% or more on credit card balances, a new low interest rate credit card can allow you to reduce your monthly payments and pay down your debt faster. Please keep reading for examples on how you can take charge of your debt.

Out with the old, in with the new

Much of the debt owed by consumers is through credit cards. If you have 1, 2, 3, or more cards, you probably are paying high interest rates on several of your outstanding balances. Your JC Penney, Macys, even your regular Visa or MasterCard can be charging you interest rates in excess of 20%! You can get out from underneath these burdens by selecting a new card with a low APR and transferring your balances over. In effect, you have created a credit card consolidation with your new card. Just don’t use your old cards again as you might find yourself with more debt than you can possibly manage!

Lower monthly payments, low APR

By transferring your high balances, you can save several hundred dollars per year in interest payments. With some cards, you can even get an introductory APR of 0% for the first twelve months. After that your variable rate is likely to be lower than what you paid for your store cards, bringing home big savings for you. In addition, you will have more money to pay off your existing balances faster. In effect, a credit card consolidation can help you get out of debt quicker. Less debt, better credit rating

By paying off your debt faster, your credit rating will improve. An improved credit rating can have a positive effect on future borrowing, especially if you are considering purchasing a new car or a home. All of this good stuff happens because you made the smart decision to go the credit card consolidation route to attack your debt.

Is everyone eligible for a credit card consolidation card?

Unfortunately, that answer is no. If you have very bad credit you likely will not be eligible. Still, unlike a debt consolidation loan done through your bank’s lending department, there are no application fees to apply for a credit card. So, go ahead and apply and you just may find yourself selected to carry a little piece of plastic that can go a long way toward helping you to achieve credit card consolidation.

Copyright 2006 Ed Vegliante. Free reprints of this article are allowed provided the resource box remains intact with a live link back to

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