Credit Cards – Rewards v Low Interest Rates

With such a wealth of credit cards on the market these days, one could be forgiven for just signing up to the first one that sends back a letter of approval. However, the fact of the matter is that every single card provider out there is fighting for our custom.

As such, assuming you have a good credit history, it really is a buyer’s market when it comes to picking the perks that come with these cards; free gifts, cash back and low introductory rates are commonplace, but which of these credit card offers really are worth the time it takes to get them?

Low Interest Rates

If you aren’t particularly concerned about shaping the way they spend on their card, a low interest rate really should be a deciding factor. After all, if the balance isn’t going to be cleared before the next statement date, the next best thing is having as low an interest as possible.

Throwing all additional extras to the side, a low APR always wins. When looking online for credit card deals you can usually find several cards offering low introductory rates for new customers, often from up to two years. You’ll find that repayments will be low, although some fancy perks that are on offer might not be immediately available.

Cashback and Rebates

Previously only limited to websites involving an arduous ‘click and redeem’ process, cashback on cards now takes the hunting out of the game. Simply using the card now guarantees a rebate on top of whatever cashback you qualify for online. But it doesn’t stop at simply redeeming a flat rate of cashback.

Many providers will now proudly boast the highest rebate on their card, and in certain cases will have preferred partners with even higher returns, ensuring that you take home more money (and, of course, make money for their partner companies.) However, it’s an even trade off; rebates inevitably come with a slightly higher APR, or less availability of use. There are often various terms involved with these kinds of cards, such as a minimum spend in the initial period, which many people fail to realise.

There are, of course, low APR cards with reward points. Some banks have their own reward systems, but these are nearly always available only to banking customers as a prerequisite, keeping their array of rewards in the family.

For the spender who plans to clear their balance every month, a rebate/rewards card can present a great way of making a nice sum over the year; simply using the card generates a small bonus that soon mounts up, and shopping around between cards every few months can get the user some great introductory offers from companies vying for custom.

For any spender who plans to make a purchase, large or small, and clear it off over a period of months, the lowest APR (with some kind of introductory offer wherever possible) should always be the deal breaker. Any interest payments will undoubtedly cost far more than any reward scheme can offer. With deals and perks often being changed in the name of competition, comparison websites will offer the most up to date information on what introductory offers are out there. Now that there are more credit cards available on the market than ever, why not shop around?

Two BIG ways to Save on your Stocking your Restaurant

Whether you are just about to open a restaurant or have been an owner for years, stocking your place with food and staples is one of the most expensive things. Here are a couple ways to cut corners without compromising on quality.


Spend smart

Once you have to start stocking your restaurant with all things needed, you will be overstimulated by how many options are out there. The best way to make sure you have everything you need – from menus to paper towel rolls – is to find a trusted partner. Restaurant Discount Warehouse is one of these vendors who can stay with you through the lifecycle of your restaurant. You will save money on things like menu covers, so you can spend more on upgrading your bar or oven.


Buy locally when possible

When it comes time to plan your menu and stock your fridge, most if not all of your budget will get eaten up. The best way to make that dollar go further is to shop locally. Not only will you help local farms and businesses, but you will save money in the long run. While you fatten up your customers with delicious meals, you can fatten up your wallet as well!

3 Great Ways To Learn Forex Trading

When you want to learn forex trading, it is important that you don’t start trading because you are desperate for money. It is also a skill that cannot be learned after you have traded for a certain length of time. This is a type of business that must be learned, and most traders spend some time becoming educated in this area before they start their first trade.

How To Learn Forex Trading

The Importance Of Trading

In order to learn how to trade forex successfully, you will need to first invest some time and money in training to help ensure you have the skills necessary to maximize your profits. There are some colleges and universities that offer business and finance courses dedicated to currency trading. This is one of the most effective ways to learn forex trading because the concept will be explained to you in a manner that will allow you to fully understand.

Forex traders also have the option to purchase online tutorials and courses. These courses vary in price. You can find some of these tutorials for $100, while other courses may cost thousands. If you decide to purchase an online course, you will need to thoroughly investigate the course and the instructor to verify the quality of the materials being taught.

Hands On Experience

In currency trading, there is always a surprise. Although there is a clear logic to trading, it can be more difficult than you think. This is why the best way to actually learn forex trading is to do some hands on training. This type of trading will help you learn more about the market and the way it works. You will be able to understand the risk with every trade you make.

A formal course will teach you the fundamentals of forex trading, and hands on training will help you understand the technical side of currency trading.

You can become proficient at currency trading by just continuous hands on training, but you cannot become a skill currency trader by only taking a formal course.

Find A Forex Trading  Mentor

You will not be able to train on your own, especially if you do not have formal training. This means that hands on training will not be sufficient enough for you to become a successful trader. One of the best ways to learn the currency trading business is to get a Forex trading mentor at

Consider working for a currency trading business for a while and let your employer mentor you. You can also provide assistance to an independent forex trader in exchange for teaching you how the business works. This will give you the insight you need that you would not learn from a formal course.

The mentor will teach you tips and give advice that can help you in the day to day operations of your business. This insight will be helpful to you as you deal with market changes, trading strategies and changes in currency values.

These are some of the ways you can learn forex trading. Hands on training and mentoring will give you the skills and confidence you need to become a successful currency trader.