Take On The World With American Express Business Credit Cards

 American Express Business Credit Cards Give You the Power to Conquer the World

 

Actress Kate Winslet advises her fans not to leave the house without the item in question. Do you have any idea what it is that she wants you to carry about with you at all times? Credit cards for companies issued by American Express!

 

American Express sponsored advertising campaigns from the 1970s through the 1980s that were successful in capturing the imagination of a public that was eager to make purchases. They included Karl Malden, who was awarded an Academy Award for his performance in the film A Streetcar Named Desire, which was released in the 1950s. In the advertisements, the standard American Express credit card was shown. Present-day advertisements for American Express include more current personalities, such as comedian Jerry Seinfeld and basketball coach Mike Krzyzewski, among others. The firm provides exceptional credit card options, including numerous different business credit cards issued by American Express.

 

Credit cards for companies issued by American Express

Companies may benefit from the essential financial services that are provided by American Express corporate credit cards. Each card is crafted to cater to the individual requirements of a certain organisation.

 

This card is called the American Express Business Gold Rewards Card.

One of the business credit cards offered by American Express is known as the Business Gold Rewards Card. With this card, you will be able to earn a bonus point for almost every dollar that you spend. After making your first purchase, as well as after meeting specific spending requirements over the course of a month or year, you are eligible to earn more points.

 

Why It's Important to Accumulate Bonus Points

All of the bonus points may be redeemed for a number of different things, including admission to live performances of a range of musical genres as well as high-quality goods, such as a BBQ set or a set of tools. There is no limit to the amount of bonus points that may be accumulated, and those points never become invalid. They are redeemable at certain locations that have been recognised as reward centres.

 

The American Express Platinum Card for Commercial Use

There is another business credit card offered by American Express called the American Express Business Platinum Card. Additionally, there are several advantages to using this card. For instance, if you stay at a luxury hotel or resort, you will almost always be able to check out at 4:00 in the afternoon. Alternately, if flying is more your style, you may take advantage of the Domestic Companion Tickets Program, which offers complimentary coach airfare for domestic trips inside the United States. And while you're waiting for your next departure, the American Express Business Platinum card gives you VIP treatment at a number of different airport lounges. The card enables you to make dinner reservations at any of the world's finest restaurants, giving you the opportunity to dine in regal splendour if that is your preferred mode of eating out. Last but not least, having an American Express Business Credit Card grants you entry to a variety of prestigious athletic and cultural events.

 

Instructions on How to Apply

You may apply for a business credit card from American Express over the phone, over the mail, or even online. You will simply be required to fill out certain papers and provide information about yourself as well as your ability to make payments on debts.

 

Providing Both Services and Benefits

If your application for a credit card is accepted, you will be able to make use of the services that are made available to cardholders. For instance, if you have any questions or worries about your card, you may get technical support 24 hours a day, seven days a week. Additionally, there is provision made for emergency services. For instance, it is possible to replace missing cards in a short amount of time. In addition, having Insurance Protection gives you peace of mind so that you may travel without concern. In addition to this, it ensures that each and every one of your acquisitions is protected. Last but not least, customers who use business credit cards issued by American Express have access to roadside assistance. These services include receiving help in the event that you have locked your keys inside your vehicle as well as fixing flat tyres.

 

Help for Small Businesses

Through the Open programme offered by American Express, small companies who use their business credit cards are eligible for additional perks that are exclusive to them. You are able to manage your account and keep track of your costs if you do so on the internet. In addition, the Open Savings programme enables you to save costs on services such as travelling by ship, renting a vehicle, or staying at a hotel. Last but not least, there are no interest fees or spending limits associated with these credit cards, and what's even better is that you have the option to prolong the duration of your payments.

 

The customers who carry American Express business credit cards benefit from competitive pricing and excellent customer service. When you have a credit card for your company issued by American Express, you may put the whole globe at your disposal. Because of this, you should never go somewhere without taking one with you.

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Take Over Mortgage

 The loan product known as a take over mortgage is developed in such a way that it allows the conditions and terms of an existing loan to be transferred from one borrower to another. That is to say, a mortgage held by one borrower may be transferred to another borrower by that borrower. One might also refer to it as an assumable debt.

 

When the sale of a property is finalised, the new homeowners have the option of taking over the existing mortgage held by the previous owner. In most cases, you won't be able to proceed until you first have the consent of the lender. You will be responsible for determining both the monthly payment amount and the interest rate if you receive a takeover mortgage. This is quite advantageous for you since it indicates that you have the potential to save a significant amount of money. This is especially true in the event that the interest rate on the older loans is lower than the interest rate on the newer loans. Be aware, however, that the conditions of the loan are subject to change at the discretion of the lender. So get yourself ready for that possibility.

 

When you take over an existing mortgage, in addition to the monthly payments and interest, you also acquire any liabilities that are associated with the property. If you don't make your payments, for instance, the lender has the right to foreclose on the property. In addition, the lender has the right to sue you for the remaining amount of the mortgage if the property in issue sells for a price that is lower than the outstanding balance on the mortgage.

 

Takeover mortgages aren't exactly a stroll in the park, so don't think of them that way. Not at all. You will be required to go through a preliminary qualifying procedure. Before you can receive one, you will also be required to pay closing costs. There is also the expense of getting an appraisal and title insurance.

 

Consider the following scenario: you intended to purchase the home of a friend for $95,000, but the property's takeover mortgage amounted to $90,000 and had an interest rate of 7%. In order to take over the mortgage and the house, all you will need to do is make a down payment of $5,000. You also need to take into account the costs associated with the closure.

 

Another example of this kind would be if a buddy of yours took over a mortgage 15 years ago for $80,000 at a rate of interest of 6.5%. The amount of the remaining debt would be $70,00. That information suggests that the value of the property at the present time is equivalent to $160,000. In addition to the cost of the closing expenses, the only amount of money that would be necessary to get a take over mortgage would be $90,000.

 

Mortgages of this kind have been readily accessible for some time now. Because they provide customers with the possibility to get a loan at a cheaper interest rate, take-over mortgages have gained a lot of popularity in recent years.

 

The skyrocketing interest rates in the 1970s and 1980s led to an all-time increase in the number of mortgages that were taken over by another party. The interest rates on mortgages ranged from five to seven percent at the time; however, as soon as the rates increased, the initial percentages increased as well. Because of this, the interest connected to deposits had to be paid out at a rate ranging between 10 and 15 percent. This is what encouraged purchasers to look into taking over their existing mortgages. They were only interested in loans with cheaper interest rates.

 

Remember the old adage that things that seem too good to be true often aren't, especially if you're in the market for a takeover mortgage. There are additional advantages for sellers when they get their mortgages taken over by another party. To start, it's probable that they'll want much more money for their homes. Therefore, you may want additional funds in order to make up the difference between the outstanding amount of the take over mortgage and the price at which the home is being offered for sale. Keep in mind, however, that assuming the conditions of the mortgage gives you the ability to pay off the loan at a later time; the value of the property may very well increase over the course of time.

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Taking Advantage Of The Best Credit Card Offers

Do you have a credit card at your disposal? If you do, then you must be aware of the various promotions and programmes that are presently being run to encourage you to use your credit card for a greater number of significant transactions. These promotions and programmes are currently being run to stimulate you more to use your credit card.

 

Credit cards are the money of the 21st century. With the use of your dependable credit card, you might purchase meals, go grocery shopping, and pay bills for services. In addition, if you want to make a purchase from any of the many online auctioneers or shops, you will need a credit card to complete the transaction. If you do not have a credit card, you will not be able to make the purchase.

 

Nearly everyone these days has at least one credit card, if not many cards. Individuals are becoming more aware of the benefit of being able to go shopping without having to have cash with them, which has led to an increase in the number of people who are working toward the goal of acquiring a credit card if they do not already have one.

 

You may use your credit card to make the purchase, even if you don't have enough cash on hand to buy anything else. This is an alternative to withdrawing cash from an ATM. Credit card companies are providing their customers with a variety of pay-light options and instalment payment plans, as well as other pay-related incentives.

 

These days, credit cards may also be used to get cash advances or loans from financial institutions. You might simply get a cash advance or a loan by withdrawing money from an ATM with your credit card and utilising the funds for any purpose you needed. You have the option of paying the whole sum all at once or breaking the payment up into instalments.

 

Did you know that it is possible to avoid the standard interest rates that are applied to purchases made with a credit card? Interest rates are applied to each and every transaction that is processed via the card. If you do not want to be charged interest on your purchase, then you need to make sure that you pay the bill on time and pay the whole amount due. If you do so, it will be the same as paying the item's original tag price, but there will be no charge made to your credit card.

 

Credit card ownership has become almost universal in today's society. And others who do not have one yet lust for having one of their very own. The credit card market has recently undergone significant changes, and the level of competition has become far more cutthroat.

 

Every credit card company is, without a doubt, doing all in its power to outrun its competitors and get the greatest share of the market. As a direct consequence of this, there is a great deal of credit card deals that are nearly too enticing for customers to pass up completely. Some of these deals are so alluring, in fact, that some individuals create credit card accounts only for the purpose of participating in and benefiting from them.

 

Current promotions for credit cards

 

To maintain a dominant position in the rapidly growing market for credit cards, credit card companies are increasingly packaging their goods with a variety of incentives designed to draw in a larger customer base. Today, to increase the number of people who use a credit card, the company may give interest subsidies or remove fees. That is the strength that comes from having rivals.

 

Several credit card companies provide additional benefits in addition to the standard fee waivers. One of them is the service that provides cash advances. People can simply withdraw money using their credit cards when they engage in cash advance transactions. The amount would be handled as a typical transaction on the credit card, and it would be possible to pay the balance in full and on time to avoid incurring any interest or any extra fees.

 

It is now possible to pay various bills using a credit card, including those for utilities, the telephone, and other consumer services. The correct payment of bills using credit cards may be accomplished by making use of automated teller machines that have been validated and come highly recommended.

 

Nearly all credit card companies, at the moment, are furthermore providing a variety of incentive programmes for long-term customers. For these programmes to be successful, users need to be encouraged to use their credit cards for a variety of various types of purchases. When purchases are made using credit cards, the cardholder receives points that correspond to the purchase amount. Your chances of winning the prizes increase in proportion to the number of points you have earned.

 

These days, the most well-liked incentive programmes are those that include some kind of air travel in some way. Credit card customers now have access to a variety of reward programmes that might earn them miles, points, or flights. Nevertheless, the software is not compatible with standard credit cards in any way.

 

There are specialised credit cards available to consumers that give benefits for frequent fliers. It is strongly recommended that you submit an application for such a programme in particular. Even though the standard and most common credit cards offer to forgo the annual charge, the fees associated with membership and other reward programmes, such as frequent flyer programmes, do not have their annual fees waived.

 

This is the fee you would have to pay to take part in the programme and be eligible for any of these many offers that credit cards may supply. 

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Taking An Interest In Foreclosure

 Although the real estate market has returned to being robust and healthy pretty much everywhere in the United States, and the vast majority of people can count on their house selling after only a short period of time spent on the market, there are some states whose residents are facing record numbers of foreclosures.

Ohio, Georgia, Texas, and Florida are in the midst of an economic crisis as a direct result of the decline of the manufacturing sector in their respective states, which has led to an increased reliance on the service sector, which offers fewer employment opportunities at lower wages. The benefits for these positions in the service sector are not even close to being as excellent as the benefits for employees in the previous industrial industry, and in other situations, they do not exist at all.

The states in the mid-Atlantic region have been seeing a steady decline in the number of manufacturing jobs and enterprises for many decades, which has resulted in widespread instances of house foreclosures and decreased property values.

However, foreclosure could have been avoided in many of these cases if the homeowners had not been the victims of less than reputable lending plans and firms. These lending plans and firms provided homeowners with ill-advised financing options, such as interest-only loans, which left the borrowers with little home equity when they needed to refinance or secure a second loan to save their home from foreclosure.

They were left with little or no equity as a result of the interest only loans, which meant that they did not have any security for the loan. As a direct consequence of this, the banks foreclosed on their houses.

A mortgage loan referred to be interest only is one in which the borrower is only required to make monthly payments equal to the total amount of interest that has been collected on the loan up to that point.

This interest only feature is only active for the first five to ten years of the loan, and while borrowers have the ability to overpay at any time, their overpayment is only applied to future interest payments and does not contribute toward paying down the main balance of the loan.

This indicates that the borrower does not make any payments toward the principal of the loan during the years in which the interest-only option is in effect for the loan. If you have a mortgage for $100,000 in the year 2000 and choose to pay solely the interest for the next ten years, your debt will still be $100,000 in the year 2010.

Should the borrower run into problems making these payments and discover that the possibility of foreclosure is looming over their head, there is a significant possibility that they may lose their home to foreclosure. Let's say, for the sake of argument, that the valuation of the home on the market in 2010 was 120,000.

Due to the fact that absolutely none of the 100,000 that had been borrowed had been repaid, the equity in the residence would only amount to 20,000. If, on the other hand, the borrower's monthly mortgage payment included a contribution of $200 toward the principle throughout that 10-year term, the borrower would wind up with an additional $24,000 at the conclusion of the loan.

Actually, the equity would be substantially higher since the interest on the amount would reduce together with the principle as it was paid down, and the same payment would pay more of the principal and less of the interest as the main was paid down. If the borrower were to get ill, lose their spouse, lose their job, or experience any other kind of financial difficulty that caused payments to be late or skipped, this increased equity may prevent the house from going into foreclosure.

The rule of thumb is that interest-only loans should not be considered unless you know for a certainty that your earning ability will significantly grow during the next five to ten months and that your outstanding obligations will reduce.

If this is the case, the possibility of paying a smaller sum today but a larger sum in the future is reduced. You won't be in danger of having your home foreclosed on.

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Blog Post Templates

 Blog Post Templates

 There are many different types of blog posts, but listed below are the templates for the four most common: 

1. The List Post
2. The Step-by-Step Guide
3. The Beginner’s Guide
4. The Expanded Definition

• The List Post

This is a classic blog post template, often known as the "Listicle". It usually comprises a list of anywhere between 10–30 items that have a reason to be listed (such as tips, techniques, myths, strategies, etc.). This type of list is usually used for displaying non-chronological information.

 

To use this template:

• Title

Your title should be numbered for the number of items listed in the article. Your article must have a specific benefit or purpose to make it compelling. Your title should be attention-grabbing. Possible examples

"X Important Tips to Achieve [Desired Outcome]"

"X Reasons Why [Problem] Still Persists Despite All Your Attempts"

"X Myths You Need to Stop Believing"

 

• Introduction

Your article should begin by establishing trust with the reader by introducing the problem the reader has and proving the benefit the reader will get from reading your article. Your introduction should be as short as possible. It is advised to include a linked table of contents with jump links so readers can skip right to the tip that interests them if they would like to.

 

• Subheadings

These are important to give readers an overview of what that specific section is about. They also break up your content into manageable chunks. Subheadings should be descriptive and reveal a clear benefit. This will boost the perceived value of each section to help grab readers’ attention to read the section. It is up to you to choose whether or not to number your subheadings. Subheadings should be in head level 2 format.

 

• Action Items

Action items are sometimes overlooked in how important they can be. These are the steps a reader will have to take to complete or achieve each item on your list. Action items are simple: just include the step-by-step information to help readers follow your steps. Often it is helpful to include photos or video visuals.

 

• Conclusion

It is important to wrap up your blog post. You can decide how you want to do this, but most lists end by listing a few more final tips. Your conclusion should leave readers wanting to actually use the information they have received from your blog. You can also encourage them to interact with your post, such by liking, sharing, and commenting.

The Step-By-Step Guide

This is a guide that follows a series of steps chronologically to ultimately achieve the desired outcome. These guides are invaluable for people wanting to learn how to do something that needs to be done in a specific order.

 

To use this template:

• Title

Your title, very simply, needs to include the phrase "How to" to communicate with readers that this is a step-by-step guide. Make your title interesting by providing some context. Examples include:

"How to [Achieve Desired Outcome] Even if [Problem]"

"How to [Achieve the Desired Outcome] and Still [Additional Benefit]"

 

• Introduction

To establish trust and credibility, it is recommended that your introduction use the PSP technique. This is where you outline the problem that your readers are facing, which you are talking about. Then, you pose a solution to this problem and back it up with proof of your experience with using this solution successfully. For instance, putting the PSP technique into action would look like this:

Problem: "Have you been trying to [insert problem readers are facing]?"

Solution: "The answer is to [insert solution]."

This is how our team managed to solve our problem of [insert how the aforementioned problem affected your team]. We now [include results of using said solution successfully]."

 

• Subheadings

Use Heading Level 2 for your subheadings. Subheadings are very useful in breaking down your content into manageable portions; Step-By-Step Guides, they help divide the process into steps to be followed chronologically. These steps should be numbered. It is recommended that each step begins with a verb in the present tense where possible.

For example,

"Step # 1: Wake up in the morning.

Step # 2: Drink a glass of water.

Step # 3: Meditate.

Step # 4: Have breakfast. "

 

• Conclusion

At the end of your guide, summarize the process you just explained. This will help refresh your reader’s knowledge. Keep your conclusion concise and to the point.

• The Beginner’s Guide

This is a trendy blog format as it functions as a comprehensive but not intimidating educational resource. It needs to be written in a beginner-friendly manner, including everything a beginner would need to know.

 

To use this template:

• Title

It is important that your title immediately appeals to beginners. While indicating what topic your blog will be covering, you should include the words "Beginner’s Guide" or "for Beginners" to indicate that your article is geared towards beginners. Possible examples

"Essay Writing Tips for Beginners."

"A Beginner’s Guide to Blogging"

 

• Introduction

Your introduction is very important. You will need to make sure you reinforce why your beginner readers need to know whatever it is you are writing about. You must:

1. Encourage your reader: acknowledge that the topic may be complex and that while beginner guides are long, explain that the topic is not as hard to grasp as they would think.
2. Use simple language: explaining terms simply from the outset allows readers to feel at ease knowing they will not have to face complex terms and jargon before they are confident in themselves.
3. Outline your content: This allows readers to get a preview of your content to see the benefit of reading your blog.

 

• Topic Overview

This is where you go through everything your reader will need to know and other questions they may want answers to, too. Use subheadings to separate your main ideas or answers to questions into manageable sections. It is advised to use Heading Level 2 (H2) subheadings for each subsection, but for sections that require longer explanations, H3-6 subheadings under each H2 will break up the content further into smaller steps. Smaller steps are easier to follow.

• Conclusion

In your wrap-up, you can leave the beginners' links to more resources and further reading. Of course, feel free to remind readers how good a resource your guide is and how important your topic is. Thus, leaving some final words of encouragement can be a good way of concluding your article, leaving beginners well equipped to continue to learn more.

 

• The Expanded Definition

This type of blog post is an in-depth explanation of the meaning behind a word, thing, or concept. These types of posts are invaluable as they help readers understand what certain things are, what their features are, and why these things are important.

 

To use this template:

• Title

Simply begin your title using the "What is/are" format. It is recommended that you add context to make your content interesting. For example,

"What is [the concept] and why is everyone talking about it?"

"What is [the term]?" A quick introduction

 

• Introduction

Begin your blog with the definition of your concept. You can include a picture of the results of a Google search for the term if you would like. You can elaborate on this definition yourself—whatever it takes to make sure that your definition is comprehensive and easy to understand. This section would be a few sentences long.

 

• Expansions

The remainder of your article should now go ahead and elaborate on the concept/term you are discussing. Think of other questions related to the concept readers might have following learning its definition. It is recommended to use the ‘People Also Ask’ function available in Google to get a sense of what follow-up questions people may want answers to. Compile a list of them and answer them in subsections using Heading Level 2 subheadings. This will break up the content into manageable sections.

 

• Conclusion

This would be a brief wrap-up paragraph that summarizes the key takeaways of the article. You could link to further resources on the topic, which will encourage readers to broaden their understanding of the topic.

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5 Simple Ways To Lower Your Monthly Bills And Save Lots Of Money!

 In this section, you are going to discover numerous strategies to save money each month by reducing the amount of money you spend on your monthly payments.

No matter how much money you have – or don't have – there are several different methods to cut costs and save some of that cash.

I had a lot of trouble paying my own expenses for many years, so I learned a lot of different methods to save money. From the most basic costs, such as groceries, petrol, and clothes, to the higher costs, such as your mortgage and insurance, budgeting is essential.

The only thing you need to know to locate the savings is where to seek them.

There are many different ways to save money.

The first thing you need to do is get rid of ALL of your extra costs, including the following:

• Having meals away from home on the weekends.
• Purchasing one's lunch daily while at work.
• subscriptions to periodicals such as magazines and newspapers (especially those you can get online and at the local library).
• Cable TV (if you get rid of cable TV, you'll be surprised at how many other ways to spend your time; you won't need it as much).
• Food and drink (you can save lots of money with coupons and specials.)

It is OK to give yourself a treat once in a while, but if you really want to get out of debt as quickly as possible, you owe it to yourself to save as much money as you possibly can!

Examining your chequebook and credit card bills in great detail might help you discover further methods to cut your costs and save money. You could also contact the company that provides your credit cards to inquire about reducing your interest rates, even if it is just for a temporary period.

When you start paying close attention to how you spend your money every month, you will be surprised to see how many opportunities there are for you to cut costs and save money.

Compare costs at a variety of stores to get the best deal.

When it comes to the costs that you just can't avoid, it's time to start looking about for the most affordable options.

I learnt how to save myself SEVERAL HUNDRED DOLLARS each and every month after I understood that it is possible to comparison shop for almost EVERYTHING that you spend money every month.

Because I shopped about and compared several policies, I was able to cut my annual vehicle insurance premiums by more than $750.

The same may be said for some of your recurring monthly costs, such as your long-distance telephone service, internet service, various kinds of insurance, mortgage payments, and in certain areas, even your electricity bills.

It does NOT need any specialised abilities on your part. You may quickly and easily save a significant amount of money by just going online and making a few mouse clicks.

Therefore, if you are interested in saving a significant amount of money each month for yourself – and who isn't? - you should immediately begin comparison shopping and searching for methods to reduce the number of your monthly payments.

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