On Saturday, Oklahoma won its second consecutive title and Trinity Thomas tied the perfect 10 record in a whirlwind day at NCAA gymnastics championships.
The post Oklahoma wins second straight title and Trinity Thomas ties record appeared first on Buy It At A Bargain – Deals And Reviews.
Max Verstappen gave his home Netherlands fans what they wanted on Sunday in the Dutch Grand Prix at Zandvoort.
The Red Bull Racing leader, who already had a large lead in the 2022 F1 driver standings with 284 points coming into this race, took home the victory with his home fans watching.
“It’s always special to win your home GP. This year I had to work for it even more. An incredible weekend and I’m really happy we got the Dutch GP.”
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Mercedes’ George Russell came in second, Ferrari’s Charles Leclerc took the final podium spot in third place, and Mercedes’ Lewis Hamilton finished fourth.
MAX VERSTAPPEN WINS BELGIAN GRAND PRIX AFTER F1 STAR STARTED FROM 14TH POSITION
Red Bull’s Helmut Marko came into this match saying the Mercedes team was “very strong,” but “the start is essential.”
Verstappen was at the first starting position followed by Leclerc, Carlos Saintz, Hamilton, Sergio Perez and Russell. And while it was a back-and-forth jostle for first place, Verstappen’s strategy with his Red Bull team worked out.
“It was not a straightforward race but we had to push, of course with safety car, virtual safety car, making the right calls,” he said.
RED BULL’S MAX VERSTAPPEN WINS F1 CANADIAN GRAND PRIX
Verstappen keeps his win streak alive, pushing it to four straight races now and his 10th win on the season. Verstappen won last year’s Dutch Grand Prix as well.
There was some drama from the Mercedes camp in this race, though, regarding Hamilton and Russell. Hamilton was leading toward the end of the race, but Russell wanted soft tires on his car in a pit stop. Mercedes allowed that to happen, and Hamilton was audibly ticked off on the team’s radio.
The move left Hamilton exposed in first place and he ended up dropping all the way back to fourth in the end.
“I can’t describe how p—– I am,” he said over his team radio via Sky Sports.
But it seemed that Hamilton cooled down a little bit later.
“To all the mechanics, fantastic job today,” he said. “Those are the best pit stops we’ve had all year, so thank you for the continued efforts. Let’s keep pushing. We’ll still get points today.”
“We like to keep it close, you know, always,” Russell said after the race on the podium regarding his passing of Hamilton toward the end.
Verstappen’s lead in the F1 standings moves to 109 points, which is an extremely comfortable margin.
Robert Hight raced to his second straight Funny Car to open the NHRA season on Sunday.
The post Hight races to second straight NHRA victory appeared first on Buy It At A Bargain – Deals And Reviews.
We all have tools. I’m not just talking about hammers and nails. We have kitchen tools, lawn care tools, tools we use in the office, even tools we use to care for our pets and our children. Business owners have tools they use for many things, including managing finances. Is Divvy a tool that business owners need in their toolbox? Let’s find out.
There are a number of money management tools on the market. We’re digging in with Divvy to find the good, the bad, and the ugly so you can make an informed decision for your business.
What is Divvy? At its core, it is an expense management system. In fact, it was recently acquired by Bill.com, due to the fact that Bill.com had an increasing number of customers looking for help with money management.
Check out how our reliable process will help your business get the best business credit cards.
It is designed to help businesses manage their business finances by integrating with accounting systems and helping them control spending in a streamlined manner. That is what Divvy is.
It is not meant to be a business funding option on its own. It does offer a charge card option that allows for business funding, and even helps build business credit. However, it’s purpose is to be another spending management tool. If it were a hammer, this card would be the backside that pulls the nails out. You buy a hammer to hammer nails. The other side is useful, but generally you don’t use a hammer simply to pull nails. It works for that, but that is not it’s main purpose.
They offer a lot of great money management products for managing spending, expenses, and accounts payable. The system allows you to see transactions in real time, and send funds in seconds via mobile or desktop.
You can also issue cards to employees, either virtual or physical cards, and give them direct access to funds with a spending limit you set. This not only cuts down on expense reports, but also helps with budget management. That is the main purpose of the card.
The system currently integrates with Quickbooks Online and Oracle Netsuite. Integration with Xero and Quickbooks Desktop is coming soon.
On the accounts payable side, you can seamlessly receive invoices, get approvals, and send payment by either ACH, check, or virtual card. It’s truly an easy and innovative way to streamline processes and manage spend. However, there is currently a waitlist for accounts payable services.
So, what’s the deal with Divvy and business credit? They do offer a business card. They have more than one way of underwriting so that if you do not qualify with traditional underwriting, they can look at other factors for approval. There is really no elaboration on what these may be. But, often it is monthly income, time in business, and the like.
So, if you do not qualify for other cards, you may qualify for this one. The main point of the card however, is that it is attached to the Divvy system. That means, if you distribute cards or virtual cards to employees, you can see their spending in real time. It offers business owners more control.
Check out how our reliable process will help your business get the best business credit cards.
They report positive payment history to the Small Business Finance Exchange. That means this card does help you build your business credit score, because the SBFE reports information to Dun & Bradstreet. Since only 7% of companies that offer credit to businesses actually report positive history, this is big. One of the largest obstacles to building business credit is finding accounts that will report positive history. Most only report missed payments.
The thing about business credit building is, one account reporting is just not enough. Your business has to be set up properly to be fundable to begin with. Also, you need a lot more accounts that will report before you have a business credit score at all. That in itself is a challenge. This is where a program like the Credit Suite Business Credit Builder can be helpful, because it walks you through the process of setting up to be fundable, finding accounts that will report, and applying for them at the right time so that you actually qualify.
If you look at online reviews, you are going to get a mixed bag. Most of the negative reviews and complaints come from those looking for a business credit card. They are not looking for money management services. Those looking for money management services seem to be pleased.
It does appear that maybe they are not clear on a lot of things, or at least they do not make the information easy to find, pertaining to how the card works and rewards. For example, one complaint was that this is a charge card, not a credit card. That means the balance must be paid in full each month. This would explain why there is no interest rate information, as there is no interest since the card carries no balance.
After a lot of digging around I did confirm that the Divvy card is a charge card used to pull against a line of credit. It is not a credit card, and therefore you cannot carry a balance. This information was definitely not easy to find on the website, and they refer to the card as a credit card multiple times.
Check out how our reliable process will help your business get the best business credit cards.
Another complaint noted that card rewards are not earned unless you use at least 30% of the credit line. I could not verify this. There is no mention of it that I could find. That doesn’t mean it isn’t there, but it certainly is not out front information.
There were many positive reviews from those who were using the service mainly for money management.
They have a D+ rating at BBB.org. However, the fact that the business is only 3 years old and there are only a handful of reviews and complaints, skews this grade. People are much more likely to report negative experiences to the Better Business Bureau. Any negative report is going to bring the grade down very quickly.
It’s important to note also that the company did respond to the complaints and worked to make them right if they were in the wrong.
This is a new company, and it appears to be making its way well among the new-ish niche of money management options. They offer what appears to be smooth integration with common accounting systems. Their charge card allows for spend control and options for managing cash flow. It is an added bonus that they report on-time payments to your business credit profile.
In conclusion, this is a great tool for money management. One major reason for this is that they can help you build credit for your business. If you are looking for a money management option for your business tool box, it’s a solid choice. Apply for Divvy now. If you are mainly looking for a business credit card, you may be better off with something else.
The Credit Suite Business Credit Builder can help you position your business to qualify for all the funding you will ever need, and help you find the best vendors for your business at the same time. Sign up for a free business credit consultation today.
The post Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox? appeared first on Credit Suite.
We all have tools. I’m not just talking about hammers and nails. We have kitchen tools, lawn care tools, tools we use in the office, even tools we use to care for our pets and our children. Business owners have tools they use for many things, including managing finances. Is Divvy a tool that business owners need in their toolbox? Let’s find out.
There are a number of money management tools on the market. We’re digging in with Divvy to find the good, the bad, and the ugly so you can make an informed decision for your business.
What is Divvy? At its core, it is an expense management system. In fact, it was recently acquired by Bill.com, due to the fact that Bill.com had an increasing number of customers looking for help with money management.
Check out how our reliable process will help your business get the best business credit cards.
It is designed to help businesses manage their business finances by integrating with accounting systems and helping them control spending in a streamlined manner. That is what Divvy is.
It is not meant to be a business funding option on its own. It does offer a charge card option that allows for business funding, and even helps build business credit. However, it’s purpose is to be another spending management tool. If it were a hammer, this card would be the backside that pulls the nails out. You buy a hammer to hammer nails. The other side is useful, but generally you don’t use a hammer simply to pull nails. It works for that, but that is not it’s main purpose.
They offer a lot of great money management products for managing spending, expenses, and accounts payable. The system allows you to see transactions in real time, and send funds in seconds via mobile or desktop.
You can also issue cards to employees, either virtual or physical cards, and give them direct access to funds with a spending limit you set. This not only cuts down on expense reports, but also helps with budget management. That is the main purpose of the card.
The system currently integrates with Quickbooks Online and Oracle Netsuite. Integration with Xero and Quickbooks Desktop is coming soon.
On the accounts payable side, you can seamlessly receive invoices, get approvals, and send payment by either ACH, check, or virtual card. It’s truly an easy and innovative way to streamline processes and manage spend. However, there is currently a waitlist for accounts payable services.
So, what’s the deal with Divvy and business credit? They do offer a business card. They have more than one way of underwriting so that if you do not qualify with traditional underwriting, they can look at other factors for approval. There is really no elaboration on what these may be. But, often it is monthly income, time in business, and the like.
So, if you do not qualify for other cards, you may qualify for this one. The main point of the card however, is that it is attached to the Divvy system. That means, if you distribute cards or virtual cards to employees, you can see their spending in real time. It offers business owners more control.
Check out how our reliable process will help your business get the best business credit cards.
They report positive payment history to the Small Business Finance Exchange. That means this card does help you build your business credit score, because the SBFE reports information to Dun & Bradstreet. Since only 7% of companies that offer credit to businesses actually report positive history, this is big. One of the largest obstacles to building business credit is finding accounts that will report positive history. Most only report missed payments.
The thing about business credit building is, one account reporting is just not enough. Your business has to be set up properly to be fundable to begin with. Also, you need a lot more accounts that will report before you have a business credit score at all. That in itself is a challenge. This is where a program like the Credit Suite Business Credit Builder can be helpful, because it walks you through the process of setting up to be fundable, finding accounts that will report, and applying for them at the right time so that you actually qualify.
If you look at online reviews, you are going to get a mixed bag. Most of the negative reviews and complaints come from those looking for a business credit card. They are not looking for money management services. Those looking for money management services seem to be pleased.
It does appear that maybe they are not clear on a lot of things, or at least they do not make the information easy to find, pertaining to how the card works and rewards. For example, one complaint was that this is a charge card, not a credit card. That means the balance must be paid in full each month. This would explain why there is no interest rate information, as there is no interest since the card carries no balance.
After a lot of digging around I did confirm that the Divvy card is a charge card used to pull against a line of credit. It is not a credit card, and therefore you cannot carry a balance. This information was definitely not easy to find on the website, and they refer to the card as a credit card multiple times.
Check out how our reliable process will help your business get the best business credit cards.
Another complaint noted that card rewards are not earned unless you use at least 30% of the credit line. I could not verify this. There is no mention of it that I could find. That doesn’t mean it isn’t there, but it certainly is not out front information.
There were many positive reviews from those who were using the service mainly for money management.
They have a D+ rating at BBB.org. However, the fact that the business is only 3 years old and there are only a handful of reviews and complaints, skews this grade. People are much more likely to report negative experiences to the Better Business Bureau. Any negative report is going to bring the grade down very quickly.
It’s important to note also that the company did respond to the complaints and worked to make them right if they were in the wrong.
This is a new company, and it appears to be making its way well among the new-ish niche of money management options. They offer what appears to be smooth integration with common accounting systems. Their charge card allows for spend control and options for managing cash flow. It is an added bonus that they report on-time payments to your business credit profile.
In conclusion, this is a great tool for money management. One major reason for this is that they can help you build credit for your business. If you are looking for a money management option for your business tool box, it’s a solid choice. Apply for Divvy now. If you are mainly looking for a business credit card, you may be better off with something else.
The Credit Suite Business Credit Builder can help you position your business to qualify for all the funding you will ever need, and help you find the best vendors for your business at the same time. Sign up for a free business credit consultation today.
The post Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox? appeared first on Credit Suite.
The post Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox? appeared first on BUSINESS DEMO WEBSITES.
The post Straight Talk: Is Divvy Really a Tool You Want In Your Business Toolbox? appeared first on Buy It At A Bargain – Deals And Reviews.
Business credit cards are a part of business credit. Like other aspects of business credit, business credit cards can help you get products and services your business needs. You can use them to help smooth out cash flow peaks and valleys. And you can use them to build business credit. The best business credit card for your business can do many of these things.
Business credit cards run the gamut from starter vendors which don’t ask for much, to Tier 4 bank credit cards. And there can be cards where you must provide your Social Security number to satisfy a federal anti-money laundering law. As you might expect, the harder to get approvals, the more your business must do to meet credit provider requirements.
In general, approvals hinge upon:
Credit providers want to know you’ll pay them back. They also want to make sure there’s nothing fraudulent going on. When basic data (name, address) is inconsistent from one record to another, credit providers see that as fraud. They will deny the application. As a result, records consistency is vital for avoiding denials.
Incomplete applications are another reason for denials. So, if an application calls for certain documents, you’ve got to provide them. Such documents can include business plans, bank statements, and incorporation documents (if applicable).
There are tons of business credit cards out there. Just applying for the ones where you’ll get approval is a decent strategy when you’re first starting out with building business credit. But once your business credit scores improve, such as a PAYDEX score of 80, you can be a lot choosier.
For card types, you’re generally looking at:
But the best business credit card for your business can also be divvied up by features, such as:
A business debit card is a card that works a lot like a business checkbook. The limit is the amount of funds you currently have in your business checking account. Every time you use it to make a purchase, the amount you charge comes from your account as a deduction.
A prepaid business card is a convenient alternative to carrying cash. It works just like a secured consumer credit card. Add funds to your account. Whatever amount you add is available for purchases.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
A secured business credit card is for businesses with no credit or less than perfect credit history. An initial security deposit is necessary. This establishes your card’s credit limit. In most cases a minimum deposit of $500 is necessary. Once you start making purchases you will receive invoices like a regular credit card.
An unsecured business credit card works like an unsecured consumer credit card. Credit limits come from many factors depending on the card issuer. Factors in deciding credit limit can include personal credit and/or business credit scores. They can also include time in business, annual revenues and so on. These credit cards give your business the opportunity to earn incentives and rewards.
A business charge card has all the convenience of a credit card. But it’s without the high price of interest. When using this card you must pay your balance in full each billing cycle. Since you can’t carry a balance, a charge card doesn’t have a periodic or annual percentage rate. Hence there is no rate for a charge card issuer to disclose.
A no PG business credit card is just what it sounds like. It’s a card you can get without a personal guarantee. This card will link to your EIN, not your SSN. And it generally requires no personal credit check or guarantee for approval.
A low percentage interest rate is over 0% but still lower than the norm. Many annual percentage rates tie to the prime rate. Lower or 0% rates are often introductory, and end after a certain time frame or number of billing cycles.
Cards with no annual fee can be ongoing or introductory. Like 0% interest rates, introductory fees end after a certain amount of time, or a particular number of billing cycles.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Some business credit cards allow for donations to social causes. These donations are often in the form of points. American Express has its own program, Just Giving. MasterCard allows for charitable giving via its personal credit cards. This is through a program called Charity Charge.
There are some business cards which will accept less than stellar personal credit. But you will often need to assure the card issuer of repayment in some other fashion. . This may involve giving the provider access to your books so they can assess your cash flow. Or the provider might set up a frequent (as in daily) electronic withdrawal from your account. This is so you don’t get behind in payments.
Many cards allow for balance transfers. You may have to pay an annual percentage rate for transfers. And, like with APRs for purchases, the APR for balance transfers may have an introductory rate. Or you may have to pay a flat rate, often a minimum.
Travel rewards are usually in the form of miles rather than points. Rewards may tie to a particular airline or hotel chain. Travel rewards may also come in the form of discounts on car rentals. They may even come in the form of added miles for filling up using certain gasoline brands.
These are points which come from an activity other than travel. A card issuer might offer multiple points per dollar spent, for spending within a particular category, such as internet shopping. Some cards offer differing multiples depending upon category of choice.
Cash back usually comes in the form of a low percentage rebate, such as 1%. Some card issuers offer unlimited cash back. Others offer bonus amounts for chosen category spending or meeting a certain spending minimum within a particular amount of time after account opening. Such as $750 if you spend $7,500 in the first three months after account opening.
Rewards can take the form of rebates or statement credits or other perks. Some cards offer a reward in the form of free TSA PreCheck®, which currently costs $85. Other such perks may include waiving a first late payment fee or a free cell phone protection plan.
Statement credits are payments toward your credit bill. They tend to be one time only. They often tie to a minimum spent amount, within a time after account opening. Bonuses are slightly different. With bonuses, it’s a monetary reward not paid toward your credit balance.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
In general, higher limit credit cards tie to better credit scores. They may come with substantial annual fees. Higher fees can incur all along or after an introductory period. Cardholders should pay particular attention to annual percentage rates. Annual percentage rates will matter more when your limit is $250,000 rather than $25,000.
Unique benefits do not fit under any other categories. Cards may only be available to a certain type of person like members of the armed forces. Or a card may enroll you in some sort of benefits program. Still others may offer certain purchase discounts.
Business credit cards come in several forms like secured or debit. And they offer certain features, like low APRs or high limits. With good business credit scores, you’ll have your choice of benefits and features. There are several different types of business credit cards and various benefits. And there are special characteristics for unique cards.
The post Some Straight Talk on How to Get The Best Business Credit Card for YOUR Business appeared first on Credit Suite.
It won’t do to oppose them only when Democrats are passing costly legislation in times of crisis.
The post Republicans Need to Get Their Story Straight on Deficits appeared first on ROI Credit Builders.
Toyota Gazoo’s No. 8 car won the 24 Hours Le Mans on Sunday to secure a third straight victory.
The post Toyota Gazoo's No. 8 wins 3rd straight Le Mans appeared first on Buy It At A Bargain – Deals And Reviews.