We got back from Boracay two weeks ago and we’re already planning our next trip to the island this year. It was a memorable one for us. It was the first time after a long, long time that everyone was present for Christmas dinner. Even my sister who had a misunderstanding with my dad was present for this once in a lifetime event. But they’ve actually kissed and made up even before the trip.
So offices and businesses were close during the holidays and that included my brother’s car shop. Yes, he closed his shop to join us. He rarely gets a vacation. Having a full time business is more stressful than being employed. But it has more perks and advantages. You could potentially earn more if you have a sound business plan. Anyway, my brother plans to get one of those business credit cards to increase his business’ credit score. It won’t do anything for his personal credit score but it would definitely build a credit reputation for his business. And as every businessman knows, a good credit history is crucial in any business. And I hope this step helps his business grows so he could shoulder all the expenses of our next vacation. I only wish him success. He has been working hard.
career, christmas, events, family, finances, kids, past time, reviews, shopping
boracay christmas, credit cards
Have you ever had times when you were short on cash and you badly needed to buy something essential or not even really important? I admit, it’s not everyday I have cash on hand. And oftentimes, I don’t carry that much cash. Aside from being impractical and dangerous (because robbers and thieves are everywhere), I am not used to it. I don’t feel comfortable. When I carry more than a certain amount, I check my bag countless times and see if everything is in place. It’s not fun. It’s actually quite irritating. And what’s even more irritating are shops who don’t accept credit cards. In this day and age, almost everyone has credit cards and uses them. And merchants or shop owners should be able to make certain changes to be competitive and successful. That’s why I get turned off when I encounter shops who only accept cash. And eevn online merchants who have limited forms or modes of payment. Don’t they realize that it’s bad business? Limited is only good when it comes to fashion but not with other things. I mean, what’s so hard about credit card processing? Especially now that getting approved for credit card processing is easier than ever. I have seen even small businesses getting approved and having their own terminals. Even fastfood deliveries now offer credit card payment. They have a wireless gadget that lets them swipe your card and get an approval anywhere. You can now use your credit card even when you’re home. Talk about hassle-free shopping. Have food delivered to you right in your own doorstep. I’ve tried it and I think it’s so cool. And this companies do not only offer credit card processing. They also offer e-commerce, payroll solutions, check processing and even debit transactions. So there is no more excuse for merchants and shops.
finances, shopping
credit cards
I have two credit cards—one for local purchases and one for when I travel abroad. But lately, it’s no longer advisable to have two especially when one of them has high interest rate. So it’s either I chuck one or look for a credit card company that offers balance transfer with low or no interest at all. I mean, it’s probably the wisest decision one could make finacially. I only see advantages with this move. Most credit card companies offer no annual fee and they offer cash back and rewards programs. But of course, it would be best to review the guidelines before making the shift.
finances
balance transfer, credit cards
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