5 Low Interest Credit Cards You Should Know About Exprespay

No one likes to pay more interest than they have to. At the end of the day, the more interest you pay, the less you will have to save for the future. Most major credit card companies have low interest credit cards for consumers and business owners. Here are the most notable ones:

Blue From American Exprespay: blue from AMEX has been around for quite a while. You will receive 0% APR for 12 months with this card. After the introductory period, you will have to pay 8.99% interest on your balances, which is relatively low. Blue is unique as it allows you to use “Exprespay” to pay faster without swiping or having to sign.

Capital One Platinum Prestige Card: one of the most popular consumer cards anywhere. You will receive 0% APR on your balance transfers and purchases with this card. In addition, the post introductory rate is 8.9% which is relatively low. You can get $20,000 credit limit with this card which makes this card very interesting.

Citi Diamond Preferred Card: the diamond card comes with 0% APR for 12 months on balance transfer and purchases. After your introductory period, you can lock in rates as low as 7.49%, which is attractively low. Of course, you will have to Exprespay  your bills on time to avoid having your rate increased astronomically.

Kiva Credit Card For Business Professionals: Advanta has been in the small business market since its inception. However, the Advanta Kiva card for professionals is designed for folks who do not own their business (e.g. consultants). Kiva offers 0% APR for balance and transfers (for 15 months), and afterwards the rate will be locked for 7.99%. The Kiva card is unique as it allows you to award grants to entrepreneurs from around the world through the Kiva foundation.

Pulaski Bank Visa Card: Pulaski Exprespay  is very underrated but attractive offer. The introductory offer is 0% APR on balance transfers. The regular APR is very low at 6.5%. The only downside to this card is the annual fee (currently set at $35).

Low interest cards are great tools for consumers and business owners to save money and void Exprespay  high interests on due balances. However, you will need to pay your balances on time and manage your credit responsibly if you want to take advantage of these low APRs for a long time.

Express Pay Contactless Prepaid Cards – Glimpse of the Near Future

The presence of Contactless Prepaid Cards is slowly but steadily becoming more and more visible and it certainly seems that they are here to stay.

Contactless cards differ from regular pre paid cards in the way the information is read from them by the card reader.

A regular prepaid debit card stores its data on a magnetic stripe that must be physically swiped through a card reader or on a microchip which must be inserted into a Chip & PIN device.

A contactless pre paid debit card, on the other hand, stores its data on a microchip embedded in the card’s plastic. The microchip is fitted with a radio antenna that is capable of transmitting the card’s data to a card reader without physical contact.

Using radio frequency identification (RFID) technology, a contactless pre paid credit card can transmit data to a special RFID card reader when the cardholder waves his card within a few inches of the receiver.

  • Who accepts contactless prepaid cards? Up until very recently, contactless prepaid credit cards were only accepted at select convenience stores, gas stations, movie theaters, and fast food restaurants. However, the main driving force behind contactless card movement is to persuade consumers to use plastic conveniently at places which have traditionally been cash-intensive. Doing so would speed transaction times and reduce lines. While few merchants accept the contactless payments right now, the technology is expected to catch on soon and most prepaid card issuers are watching the market trends carefully with widespread rollouts are predicted in the months and years to come.
  • Who issues contactless prepaid credit cards? Contactless prepaid cards are available from the major scheme providers with badges such as MasterCard PayPass, Visa Contactless and American express pay
    . There are few examples of successful contactless prepaid cards currently but some successes would be the limited edition MasterCard contactless prepaid cards for the 2007 Brit Awards as well as a pilot programme to help deliver the first stadium contactless prepaid card in Europe, the Manchester City FC MasterCard® Prepaid Seasoncard with PayPass(TM), with MBNA and MasterCard to replace the standard season ticket currently issued to supporters.
  • Are they safe? With contactless cards, you do not actually need to use your your Personal Identification Number (PIN) to complete a transaction and undoubtedly, this element of contactless cards makes consumers slightly nervous and unsure about using these cards. However, the cards can currently only be used to make micropayments – which means that they are restricted for use on transactions of up to £10 only. So if someone did manage to steal or misuse your card, your exposure is very limited. Furthermore, as long as you inform your bank as soon as possible that your card is missing, you will not be liable for any fraudulent transactions either. On occasion, your PIN may be requested to confirm that you are the cardholder and you are still in possession of the card.

The Contactless technologies provided by the leading scheme managers are as follows:

  • MasterCard Paypass
  • Visa Paywave
  • American express pay

One of the biggest dilemmas faced by prepaid card issuers is the area of how to make money with contactless prepaid cards as well as how to educate consumers about their use and convince them that contactless pre paid cards are indeed safe and secure to use.

Universities are now starting to look at the benefits of these cards as they provides identity features which include details such as the student’s personal data and photograph printed on the plastic and typically access to university buildings and labs and secure areas around the canteens, etc is managed using the card’s magnetic stripe and embedded chip. In fact, access to to different rooms of the university, such as laboratories, libraries or classrooms can be automatically approved or limited. Contactless plastic can also be used to log the attendance of students at exams, classes, events and seminars in addition to providing access to internet and university web services.

bayad center franchise for Your Entrepreneurial Soul – 12 Lower-Cost Opportunities

If you are like many smart people today, say a stay at home mom, furloughed executive, part-time consultant, or burnt-out whatever, you might be looking for more. Do you want something different, something sane, something fulfilling, or something that actually pays you what you’re worth? If so, you might be interested in opening your own business. It’s easier than you think and it doesn’t always have to cost a ton of money.

You have heard your yoga pals and parents at soccer practice talking about their successful multi-level marketing businesses (think Rodan + Fields, Stella and Dot or Pampered Chef), but that’s not really your style and you really want to own your own business. What else is there? Well, one way to work from home, work flexible hours, have the support of other business experts, but still call your own shots is to buy a bayad center franchise.

The best way to start your own business or choose a bayad center franchise is to consider your passions, your goals, and your resources. Suppose you have a heart of gold, love caring for others, or you really miss the excitement of small children now that your kids are a little older now. There are definitely some great options out there for you where you can earn money doing something you love. It’s the best of all worlds.

Lots of the top bayad center franchise, home-based or not, are very costly to purchase, so let’s focus on those have an entry point cost of $40k or less (some even start at under $100!). Here are twelve franchise opportunities that may be right for you from both an interest and out-of-pocket standpoint.

If travel is what you love and you are always telling friends and families where the best resorts in the Maldives are, how to plan a peerless adventure to Disney, or which hotel group offers the best “points” for your stay, then maybe you should consider a franchise with one of these three travel agency groups:

    1. Travel Leaders is a worldwide company steeped in history, as the original business was founded in 1872. With more than 350 bayad center franchise in the U.S. alone, the company offers training, marketing and other support.


    1. While Results! Travel is a part of Travel Leaders, it may be just what you are looking for. If you already have your own agency and want to tap into additional resources, Results! Travel allows you to maintain your agency name.


  1. As a Cruise Planners franchise owner, you have your own home-based, full-service travel agency, with the resources and support of American Express Travel Services.

These three travel agency groups have franchises with startup costs beginning around $1,000 up to $27k.

Health-minded, caring entrepreneurs like you have many angles to consider, even at the lower bayad center franchise startup costs. There are franchises serving young and old clientele, and they can be very lucrative. Here are three to consider

Navis Pack and Ship Centers bills payment franchise

Navis Pack and Ship Centers was originated in the year 2002 as a bills payment franchise by its parent company namely Navis Logistics Network. Navis Logistics Network was started in 1980 in Denver Colorado as a retail store nurtured and expanded in 1984.

Navis Logistics Network was developed with its franchise called Handle with Care Packaging Store, and then sold off in 2008. Apart from Handle with Care Packaging Store, Navis Logistics Network has also opened another new franchise store which is known as Navis Pack and Ship Center today.

Navis Pack and Ship Centers are dedicated to and specialize in shipping materials that are valuable or difficult to ship. Navis is ranked tenth largest franchiser in Colorado by Denver Business Journal. Navis Pack and Ship Centers uses the best and well known shipment and cargo services like United Parcel Services, FedEx or Yellow.

Serving their customers for more than twenty five years they are skilled, proficient and specialist in delivering or shipping consignment. Be it furniture, house hold stuffs, delicate material or anything important Navis Pack and Ship Centers takes care of your entire consignment and delivers it with due responsibility. They also take consignments of shipping on national as well as international levels, small moves; transfer crating, pick up and delivery and so on.

Today they are spread across more than fifty five locations in United States and Canada serving with an entire range of logistics and shipping solutions.

Franchise fees average $32,500 with a total investment amount between $91,800 and $178,500. This bills payment franchise agreement once agreed and approved has a validation period of ten years.

If you are planning to send important, valuable, delicate, electronics or any precious consignment, you do not have to worry. Navis Pack and Ship Centers takes care of it properly and responsibly and will serve you with wide range and variety of shipping and logistics related customized services making it a one stop shop for all your shipping related queries and needs.

When looking to start any business it is important, particularly considering today’s market, that you look for specific ways to cut minimize or reduce overhead and risk. Any business is going to have risk, but it is important to have a full understanding of the amount of investment, startup cost and “ROI” (Return on Investment).

Did you know that 80% of ALL bills payment franchise endeavors fail in the first two to five years leaving large debts looming for years thereafter?

10 Surefire Steps to Hire a Good security companies in birmingham

If you ask 10 people who carries the bulk of the responsibility for protecting America’s homeland 8 out of 10 of them would probably blurt out “Police.” While the police do an excellent job protecting our citizens, security companies in birmingham officers often go as the unsung heroes! According to the U.S. Government Accountability Office, the private security industry is responsible for protecting more than 85% of the nation’s critical infrastructure. In most cases security officers outnumber police officers 2 to 1. According to the National Law Enforcement Officer Memorial fund there are approximately 900,000 sworn law enforcement officers and federal agents. According to a report prepared by ASIS (American Society for Industrial Security) there are nearly 2 million full-time security workers in the United States. Experts expect this number to increase by 21% percent through 2020. To add to these staggering numbers there are thousands of private security firms in the US and new companies are popping up everyday.

With so many security companies to choose from it is important to use careful consideration when selecting a security companies in birmingham provider. Choosing the right security firm not only protects your property and your people, it helps to protect your business in cases of litigation (Which can save you tons of money down the line). Choosing the right security firm also can protect your business reputation, which can be severely damaged by even the smallest security incident. History has proven that trying to rebound from an embarrassing security incident can be a very challenging and expensive task.

So let’s go through my 10 Surefire tips to hire a reputable security firm to address your security needs. The first step in the process starts with doing a Google search for security companies in the area or checking with the venue where you will be holding your event. Oftentimes they will have a vendors list. Next you should send out RFP’s (Request for Proposals) which are formal or RFQ’s (Request for Quotes) which are informal. Whichever, method you choose should include the vetting of a least 3 vendors. Once you gather the vendors’ information follow my 10 Surefire best practices and you will be well on your way to selecting the best vendor for your job:

    • Vet the prospects’ security companies in birmingham experience (with a special focus on the projects similar to yours)


    • Review the prospects’ years in business, past clientele and past performance. Don’t get all excited because the prospect drops a big name (Having a big name client is one thing, but doing a shabby job at it is another).


    • Visit each prospect’s website paying special attention to content, ease of navigation, services and especially the “About Us” sections. Lack of information in a prospect’s “About Us” section should be a sign, “Buyer Beware.”


    • Request information about Professional Associations in which the company and management team are affiliated. Companies who are serious about what they do will usually be associated with associations such as ASIS, ISMA (INTERNATIONAL SECURITY MANAGEMENT ASSOCIATION), or IACP (International Association of Chiefs of Police). Board certifications such as the ASIS- PSP (Physical Security Professional), CPP (Certified Protection Professional and the PSI (Professional Certified Investigator are definitely a plus.


    • Request and review each prospect’s executive leadership and management experience. Proven years in police or security companies in birmingham “management” is always a good sign.


    • Review the prospects’ social media presence to include content, reviews, followers and engagement with current security companies in birmingham issues (i.e. Facebook, Twitter, LinkedIn)


    • Request and review the prospects’ marketing material to include brochures, capability statements, etc.


    • Request and review the prospects’ insurance levels ( 1 million in General Liability is normally sufficient)


    • Inquire about guard training. A good training program should include (observation, report writing, use of force, effective communication, incident management, tort law, arrest law, criminal law, constitutional law, bomb identification and evacuation) and;


  • Consider pricing

Have you noticed that pricing was the last thing on this list? That wasn’t done by mistake. Pricing is the poisonous apple of doing business with a security firm. Yet, it is oftentimes the first thing that those looking to hire a company considers; sometimes it’s the only thing. While I understand that the bottom line drives many business decisions, I caution that when the poisonous apple is bitten, it often bites back. Choosing a security companies in birmingham firm based on the lowest price often costs businesses major losses in finances from lawsuits and crime and even more in frustration from complaints of absenteeism and unprofessional and unethical conduct. Therefore, I strongly recommend against using the lowest responsible bidder process altogether. Instead, I suggest using the above tips to find the best fit for the job at hand. More often the difference between the highest bidder and the lowest bidders is usually only a couple hundreds of dollars and to me it’s well worth the money.

7 Questions to Ask When Hiring a Private security company in birmingham

Every smart business owner understands how important it is to hire a private security company in birmingham in today’s times when crimes have become so common that one robbery takes places every five minutes or so in one area or the other. Many private security companies can be found on the internet and in the Yellow Pages but have many of those companies actually provide superior quality security services? We just don’t know. But here are some questions that can help you find out whether the private security company in birmingham you’re thinking about hiring has got to prove some mettle or not.

How Do You Train The Security Officers?

This question can give you a great deal of insight on whether the security guards the company will provide you with will perform their duty well or not. If the protective officers and guards are given security training by professionals, it’s good to know because you can at least rely on them to save you from a unfortunate incident.

Are The Security Guards Trained By Certified Professionals?

Another question you shouldn’t forget to ask is whether the security officers are trained by certified professional or not. Security training professionals are highly skilled experts who specialize in security training, armed combat along with firearm using skills, etc. Every security guard must be given formal security training so that he can do his job diligently.

Do Security Guards Practice Unarmed Defensive Tactics?

Using firearms is not the only answer for keeping unfortunate incidents at bay. Protective officers especially those protecting college campuses and schools must know how to use unarmed defensive tactics. Unarmed defensive tactics are all about handling various potentially harmful situations without using any fire weapons.

Are Background Checks Performed on Security Officers?

All reputed private companies hire Protective officers after performing thorough background checks. Background checks are performed to ensure that the individuals they are about to hire do not have any criminal records or complaints lodged against them. So it wouldn’t hurt to ask if the security guards are background checked by the private protective companies before referring them to third party employers.

Are Security Officers Trained to Handle Medical Emergencies?

Nowadays, the private security industry has become very competitive and to have an edge over other companies, additional training is given to security officers like medical training. Some companies train their security officers to handle medical emergencies know how to give mouth to mouth resuscitation, assisting the wounded with first aid kits, etc.

Do Armed Security Officers Hold Licenses?

The security guards you’re about to hire must hold licenses for handling firearms. Licensing ensures that the firearms won’t be mishandled. Also make sure the licenses are awarded to them by state regulated agencies.

Cheap Discount vape cigarette

In earlier times, cigarettes were hand rolled products comprised of indigenous nicotine leaves. This resulted in endless bouts of coughing and swallowing of tobacco leaves. Modern cigarettes have come a long way. The use of filters, processed tobaccos and tight tobacco fills has made vape cigarette smoking a pleasant and hassle free experience. Smoking cigarettes is not encouraged since nicotine is highly addictive. However, the irony is, people are more than willing to buy cheap discount cigarettes.

Nicotine is a powerful, central nervous system stimulant and is classified as a drug. However, cigarettes are not considered to be drugs and are used by a large number of people. Dependency and its habit-forming nature result in enormous cigarette consumption everyday. For this reason, a number of smokers opt for cheap discount cigarettes. This saves a considerable amount of money in the long run.

Consumption of vape cigarette is a compulsive habit for most people. This trend of regular and ever-increasing consumption increases a manufacturers production proportionately. Most cigarettes are at par in relation to price. For this reason, cheap discount cigarette attract customers to different brands.

When a customer decides to buy cheap discount cigarettes, it is advisable to consider the freshness of these vape cigarette. There have been instances when people have had to settle for stale cigarettes. Most cheap discount cigarettes are available in bulk quantities. For this reason, users are likely to buy them to eliminate the chance of running out.

vape cigarette smoking provides pleasure at ordinary times and comforts the user in times of worry, anger and other tensions. Sale of vape cigarette to minors is a punishable offence. However, cheap discount cigarette offers are attractive to this vulnerable lot. For this reason, manufacturers have strict guidelines pertaining to sale of cheap discount cigarettes.

Electronic Cigarette – The Next Quit Smoking Device

Ever since the public became aware about the dangers of smoking a few decades ago, many people have found quitting the tobacco habit hard. Companies have been innovating and manufacturing smoking cessation products for many years now. From nicotine patches to gum, nicotine addicts have been using them to quit their habit.

Electronic cigarette (also known as e-cigarettes and electric cigarettes)are the newest product on the market. They are designed to look and feel like real cigarettes, even down to emitting artificial smoke however they do not actually contain any tobacco. Users inhale nicotine vapour which looks like smoke without any of the carcinogens found in tobacco smoke which are harmful to the smoker and others around him.

The Electronic cigarette consists of a nicotine cartridge containing liquid nicotine. When a user inhales, a tiny battery powered atomizer turns a small amount of liquid nicotine into vapour. Inhaling nicotine vapour gives the user a nicotine hit in seconds rather than minutes with patches or gum. When the user inhales, a small LED light at the tip of the electronic cigarette glows orange to simulate a real cigarette.

The nicotine cartridges themselves come in various strengths. Most of the major brands, such as the Gamucci electronic cigarette have full strength, half strength and minimal strength. This is designed for people who want to quit smoking. As they get used to using the electronic cigarette, they can gradually reduce the strength they use until they quit.

The main advantages electronic cigarettes have over nicotine patches or gum is firstly, users have the nicotine hit much quicker and secondly, because a big reason why smokers fail to quit suing patches and gum is because they still miss the act of inhaling smoke from a cylindrical object. The electronic cigarette emulates that even down to the smoke.

The electronic cigarette is also beneficial from a financial perspective. A set of five nicotine cartridges costs around £8 and is equivalent to 500 cigarettes. Although the initial investment of an electronic cigarette kit of £50 may seem steep at first, users save money in the long run.

As with many popular products, there have been a great number of cheap Chinese imitations flooding the market. They are usually half the price of a branded electronic cigarette and look like the real thing as well. It is inadvisable to use these because they have not been subject to the same rigorous testing the official electronic cigarettes have and can potentially be highly damaging to the user’s health.

There but for the Grace of God go I … Stopped Smoking Cigarettes uk

I don’t remember exactly what day I started smoking cigarettes uk, but I do remember the day that I quit smoking as if it were yesterday. At about ten years of age, started acting cool like grown ups with a couple friends by acting as though we smoked by rolling up dried lawn grass from backyards and the Merrill Park in the Jeffery Manor at Chicago, Illinois. We also tried smoking dried tree leaves rolled up inside notebook paper, typing paper, old Chicago Transit Authority transfer fare paper, torn pages from a phone book or whatever was available. Trying to imitate my father, cousins, other adults, movies stars, soldiers, cowboys, musicians, tough guys, bad guys, good guys and any other heroes who smoked cigarettes. I guess it was cool and glamorous when they inhaled/exhaled smoke in their lungs. It made them look smarter and in control. I did not know how to smoke at all. I just puffed and coughed from the burning sensation that I felt in my chest and lungs. It was awfully painful! One day a friend stole an open pack from his mother and we tried to smoke a real cigarette. I think it was either Benson & Hedges or Virginia Slims cigarettes uk. By the way, we learned that a cigarette is also called a “square”. We almost got busted because my friend’s mother found out her cigarettes uk were missing and it seemed like trouble was coming fast. Somehow I dodged that bullet. If you ask me today, then I wish I had been busted so I could be punished. And back then we used to get beatings for disobedience and doing wrong. Today it is called child abuse. I think that is what’s wrong with this world today. Spare the rod; spoil the child. I needed a beat down just on GP alone.

Time passed and I learned to smoke the real McCoy, cigarettes fresh out the pack or crush-proof box! Newport brand cigarettes, an attractive green square shaped pack or box with the upside Nike swoosh on the front label and the surgeon general’s warning on the side, to be exact. Twenty, filtered menthol cigarettes, jam packed with nicotine, tar, embalming fluid and couple hundred more flavorful low-dosed toxic deadly poisons. I learned to hold the cigarette like a real man should. I held the square between my index finger and middle finger with a slight curve on the pull, like a cool way of holding a pool stick at a speak-easy pool hall, tavern, bar or a club. I was cool at 12 years old. Stunting my growth and development already. It took me a couple days to learn exactly how to inhale smoke without choking. And of course, I did choke. I got light-headed and dizzy in the beginning of my 24-year life sentence as a smoker of cigarettes uk. That light-headedness made me feel relaxed after enjoying a refreshing cigarette. Oh, I did not discriminate in the beginning. I smoked many different brands without prejudice. For example, Kools, Marlboroughs, Salems, Players, Camels, and Viceroys (the brand that helped to give my dad emphysema and cancer), oh well, whatever, never mind. Put it this way, if you had a cigarette, I would probably smoke it without hesitation. I was cool, calm and collected, an in control smoker. I mean I was bad, the best of the best, top cat, cool, can you dig it man. (So I thought)

How to Quit Smoking Cigarettes For Life

Do you want to learn how to stop smoking cigarettes? How frequently have you declared to yourself or somebody else, “I really need to give up cigarettes,” only to do a flip-flop and smoke yet another cigarette? In the event that you are similar to many cigarette smokers, your answer will be: “A great deal more times than I am comfortable with.”

You are certainly not alone. Research shows that about 90% of current smokers have a desire to kick their smoking addiction. The lucky reality is: By putting forth a little bit of effort and a lot of devotion, anyone could ultimately figure out how to stop smoking cigarettes and lead a more healthy life as a recovering smoker. If you are dead set on quitting, here is a complete quit smoking plan to help you kick your nicotine addiction to the curb and stop smoking cigarettes forever.

How to Stop Smoking Step 1: Resolve to Quit

Like any huge plan of action, little can take place until a solid decision is made to get going and achieve your plans. The same is true when discovering how to quit smoking cigarettes. It is usually at this junction, however, that quite a few nicotine users come to be anxious, suffering from fear of making it through each day with no the drug nicotine.

Rather than being scared by committing to stopping altogether, decide to make a commitment to engage in the tasks that can help you quit cigarette smoking more successfully. Simply say to yourself, “I’m going to get going with my recovery plan with an open mind and work on the strategies described in this guide to how to quit smoking.”

Doesn’t that sound a lot easier than making up your mind right now at this very minute never to have another cigarette? Definitely! A lifetime commitment of refraining from smoking cigarettes is extreme for many active smokers, but a daily determination to work on quitting is extremely plausible!

Considering that you have decided to take the actions for living life as a recovering smoker, why don’t we proceed.

How to Quit Smoking Step 2: List Your Personal Reasons to Stop Smoking

Yup! You got it! This guide demands some content writing, so get a few sheets of paper and something to write with and carry on!

You should list any and every motive for why you want to stop smoking, given that they are the truth. It does no good to come up with motives that don’t mean much in your specific case. In the event you can easily pay for cigarettes, by way of example, the price of smoking cigarettes might not be a motivating enough reason to stop. In the event you are focused on your health, however, and you are afraid of being one of the 400,000 annual statistics of smoking-caused COPD ending in death; health is going to be a good reason for you to give up smoking cigarettes.

Other motives to stop smoking may include: The well being of your children or animal companions, the desire to have higher production at your job, not wanting to smell unpleasant to people who don’t smoke, seeking to be a role model for your teenagers, etc.

Make certain to create your checklist of reasons to give up smoking on a sheet of paper or in a miniature scratch pad you are able to keep with you throughout the process. You are going to refer to this as motivation to stick to your plan to quit so you can finally stop cigarette smoking.

How to Give Up Smoking Step 3: Determine Your Quit Date

As you have almost certainly discovered in earlier efforts to stop smoking, it is not easy to go from actively smoking 1 pack of cigarettes or more a day to being a non smoker the next. Even though some ex smokers could stop like this, the majority simply can’t. As an alternative to attempting to wake up the following morning as a non smoker, resolve to wake up tomorrow with the objective of smoking minimally one less cigarette than you did today.

Eventually, you really want to be smoking just about 10-15 cigarettes a day before you quit smoking for good – either without medication or with the assistance of aids to stop smoking. Based upon on how much you smoke each day and the amount of cigarettes you decide to reduce each day, your specific quitting date will arrive around about a couple of weeks to 45 days or so from today.