Chase Credit Card - Start Your Credit Card Experience With Someone You Can Trustrevised

By Erwin Yusuf


Credit Card Company That You Can Trust: Chase

If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the best credit cards around. They make applying for one of their cards very simple and there are no hidden charges.

When you sign up, they will give you all of the information about any charges that they may charge you. They do not have annual fees and offer a 0% interest introductory rate. Also, Chase offers fraud protection, which is a very important thing to have these days.

It is so easy to apply for a Chase credit card. Applying on their website is simple, too. Their website is also a great place to learn more about their credit cards including the interest rates and pictures of each kind of card.

You can also pay your credit card bill online. This is a fast and secure way for you to pay your credit card bill. If you do not have a Chase credit card, but have heard great things about the company, you can sign-up on their website. If you fill out the form correctly, then you could be a Chase member in just a few days.

Chase offers individual accounts and small business accounts. This is great for those of you who are looking for a credit card to start your small business.

Chase credit cards are accepted all over the world, so you do not have to worry about being able to use it on a trip abroad. Chase also gives their customers air miles for every dollar, so you may be able to take a vacation much cheaper than you think.

Recently, Chase has went through some bad press – mainly aimed at their customer service practices, but they have made strides to make their customer service better and to lower their interest rates. If you are looking for a credit card with a proven track record, then you will want to consider Chase.

Business Contracts Provisions

By Jeffrey Matsen

Obviously, all contracts should be prepared and reviewed by competent legal counsel. However, there are a number of fairly standard contract provisions that are in most contracts but may not be familiar to non-lawyers. The following discussion will help you better understand the impact and importance of these provisions.

Attorney's Fees

Most contracts will have a clause related to attorney's fees. Under most circumstances, even a successful plaintiff will not be able to recover their attorney's fees unless the contract so provides. It is even less likely for one defending a lawsuit to recover their attorney's fees from the plaintiff, without the proper attorney's fees clause. Therefore, look for a provision that provides that reasonable attorney's fees AND court costs (which can be sizable) be awarded to the 'prevailing party.'

Applicable Law

Many contracts will have a provision stating that the terms of the contract will be governed by and constructed in accordance with the laws of a particular State. You should ensure that the state in which you live is selected as the applicable state, to ensure ease of interpretation, to be able to hire legal counsel close to you, and to minimize uncertainty.

Jurisdiction/Venue

Many people may not understand the difference between Jurisdiction and Venue. Jurisdiction refers to the authority a court has to hear the matter. Jurisdiction involves both the rights the specific court has to rule on the dispute (what type of claim it is) and the ability of the court to enforce a judgment against the defendant. For example, a typical jurisdiction clause may say "Any action to enforce this agreement shall be filed in the Superior Court of California."

Venue clauses relate to the proper geographical location of the court of jurisdiction. A typical venue clause may read "Any litigation arising out of this Agreement shall be filed in the appropriate Court of jurisdiction in Orange County, California." However, the choice of venue must be appropriate under the law. In a contract action, venue is appropriate where the contract was entered into, where one of the defendants resides, or where the contract is to be performed.

Notices

All contracts should have a provision which instructs each party how to provide written notice of a condition or breach to the other party. This provision should include a space for the address and contact information for each party, be it an e-mail address or fax number. It should also include the proper manner of delivery, be it First Class Mail, fax, or overnight service. The inclusion of this provision ensures that all parties can be confident that they can contact the other party quickly and efficiently, if needed, and that no party can attempt to dodge service of any notices.

Entire Agreement/Merger Clause

Inserting a clause stating that the terms of the contract represent the entire agreement between the parties is an important consideration. It will help ensure that neither party will be able to argue that there was a separate, side-agreement or that any other representations were made that cannot be easily proven.

Counterparts

This provision is important if both parties do not sign at the same time. Inserting this provision allows both parties to sign separate copies of the agreement and treat each copy as an original and binding copy.

Mediation/Arbitration

Due to the high cost and time periods involved in arbitration, many contracts now have mandatory mediation or arbitration clauses. Mediation involves presenting your case to a neutral mediator, often a retired judge or attorney with experience in the field, and attempting to come to a mutual agreement of resolution. Arbitration, on the other hand, often involves the neutral third party acting as a judge and declaring a ruling on which party should prevail. Parties to a contract may agree to binding arbitration, meaning that the ruling of the arbitrator is final and can be enforced in court. A good rule of thumb is to agree to this provision if you feel that you may be sued, but do not agree to or insert it if you feel that you may sue in the future.

Liquidated Damages

A liquidated damages clause allows a party to recover a specified amount in the event of a breach of contract by the other party. By law, the amount must be reasonable. Under certain types of contracts, liquidated damages clauses are only allowed where the true amount of damage that would be sustained is indeterminate.

Copyright (c) 2009 Jeffrey M

Jeffrey R. Matsen of Wealth Strategies Counsel helps his clients structure the business and personal assets in the best way possible to preserve, protect and transfer them in the most efficient and tax saving manner. For more information go to http://www.wealthstrategiescounsel.com

Requirements Gathering - Define Requirements Accurately

By Dave Nielsen

The requirements you capture must be stated in business terms, must be clearly stated, must be concise, and must be feasible. To ensure that requirements are clearly stated, you should have them proof read by someone external to the project (or at least someone not familiar with the requirements you've captured). Any questions raised by your proof reader should trigger a re-write of that requirement. Clean the language up until your proof reader understands the requirement.

Requirements should address a business need. Requirements that can't be translated into a benefit for the business should be questioned for validity. By benefiting the business I don't necessarily mean generating new revenue (although this is never a bad thing), but benefits derived from software application are typically derived through cost savings, eliminating manual effort, or supporting new products. The requirement should address one of these areas.

Requirements should be stated in terms that are verifiable. A requirement that states the need for a "fast" transaction provides little guidance to the business analyst who will translate the requirement into a technical feature, or the programmer who will code it. Make sure that all the requirements that are captured are testable: "the user should be able to recover their session after an error" isn't good, "the user should be returned to the order input screen upon an error" is good (and testable). When a requirement speaks to how well the system performs, such the speed at which a transaction is performed, or the systems ability to process multiple transactions, the requirement should come with specific benchmarks. For example: "the transaction must complete in under 2 seconds". Even better: "the transaction must complete in less than 2 seconds during peak load periods".

Your business analysts will be responsible for translating the requirements into a technical specification so they should be consulted when requirements are being captured. The BAs are your best measure of the feasibility of a requirement. If the requirement is not compatible with the software and hardware systems chosen to implement the solution, the BAs should be able to detect this and avoid wasting effort developing software that won't satisfy the requirement. There are 2 critical approvals in the process of gathering requirements:

1. The vetting of business requirements by the Business Analysts
2. The vetting of the requirements specs (written by the BAs), by the authors of the requirements.

Providing this level of oversight over the requirements gathering process will enhance your chances of capturing and delivering the right requirements.

One of the most important facets of requirements management is the identification and tracking of the requirements through the design and build phases. Requirements should be captured as discrete entities. They may be stated in a sentence, or a paragraph, but must be uniquely identified by a numbering system that assigns that unique identifier to the requirement. This unique identifier will be used throughout the development process to ensure that each requirement has been designed, developed, and tested.

Following the tips in this page won't guarantee you a successful project, but should help you to identify the business needs of your stakeholders as efficiently as possible and ensure that they are accurately captured and translated into a software solution.

Article Source: http://EzineArticles.com/?expert=Dave_Nielsen

Best Ergonomic Mouse Review - A Quick Look at Working Smart

By Ben Littlefield

Scare devices are not habitually my thing, although as a hardcore PC gamer, writer and normal technology aficionado - spending my full day on the computer, let me tell something about the strain and injury which is real and exists in the workplace. I, along with others I know who are suffering with Repetitive Strain Injury (RSI), have some insight on how this can be a stress in my day-to-day life and would like to review an ergonomic peripheral that has made life a little easier, an ergonomic mouse. Not just any ergonomic mouse - I am talking about my new sidekick - the Evoluent Wireless Ergonomic Mouse.

Crippled gamers rejoice! This Ergonomic mouse is easy to use, comfortable at the workplace, slim, has many sexy curves, easily adjustable, and highly programmable. The good things in this ergonomic mouse are that it is comfortable, has excellent drivers, OS X compatible, Adjustable DPI, Application profiling, familiar design. Although I wish it had more buttons, I can easily forgive that, as I never realized how bad my last mouse was for my health. I have not had any significant wrist aches in over 2 weeks, since I started using this bad boy!

The grip of this Evoluent Right handed mouse is extraordinarily high compared with other ergonomic mice and traditional horizontal mice, so this mouse need good seating posture. According to the ergonomists at ergonomicsalifestyle.com, "It is absolutely vital that elbows are very near to each other at 90° angle." When I am using the outdated old style, traditional mouse - I have to move my hand so far and high that my wrist, arm, hand and my shoulder begin to ache. After using this ergonomic mouse, however, I am not getting any problems.

I am now converted into an ergonomics enthusiast! Using this Evoluent Right handed mouse is my dream, my arm is always at rest. You should make sure your chair is at proper height and your keyboard tray also at right position.

This Evoluent Right handed mouse is better than all other ergonomic mice. Because this mouse contains the features that Eliminate the Arm Twisting, contains the familiar grip, easy to operate buttons, fits all hands, and prevents desk rubbing. It will respond very quickly and it contains the programmable buttons that means it can easily work in XP Pro, XP Home, Vista 32 and also have some special functions. I love it - now I have to get a better chair to match!

For more ergonomics products, info, and deals: http://ergonomicsalifestyle.com

Ergonomic Blog: http://ergonomicblog.com

Article Source: http://EzineArticles.com/?expert=Ben_Littlefield

The Pros & Cons of Making Your Business a Separate Legal Entity

By Richard Taylor

There are a number of significant benefits for a small business owner to consider when determining if incorporation is the right path for their business.

We'll discuss these main advantages below as well as touch on the downsides that incorporation brings.

To start with, lets cover what business incorporation is exactly. When you incorporate a business, you are, as far as the law is concerned, providing a formal legal separation of your own personal assets and those that belong to the business. In effect,your company becomes a separate legal entity in its own right.

What does this mean to you as a small business owner? In very basic terms it means that should your business hit hard times and go bust, you as the owner are not liable for the debts owed by the business, because they are owed by the business and not you. So once incorporated you can run your business in the knowledge that your personal savings and assets are not at risk.

For businesses with a short trading history, or a poor financial history or with few assets, most lenders will ask for personal guarantees to be signed to provide them with extra security. But as the business grows the requirement for personal guarantees will diminish, because the business itself will have more assets to secure finance against.

If you company fails after being incorporated, shareholders are only liable up to the value of the equity investment made, other than any separate personal guarantees that may have been signed. In other words you liability is limited to your equity investment, so you can lose your investment in the company, but beyond that your personal savings and assets are safe.

As well as the personal limited liability protection that incorporation brings, another significant benefit is that once incorporated it is often easier to borrow money or raise further equity investment to finance the growth of your business.

It becomes more straightforward to raise additional capital for a number of reasons. Incorporation signals to the financial institutions that your business is planning to be around for a long time and gives them a degree of assurance. Also, following incorporation, you business has set share structures making it easier to value the worth of the company.

Being able to value the company independently makes it easier to raise finance as the debt to equity ratio of the business can be analysed, and the share structure itself means that shares can be issued to raise new equity investment. Having a share structure also makes the transfer of ownership more straightforward should the need arise.

Amongst the downsides to incorporation are the additional statutory and regulatory requirements that you will have to meet, which can be costly.

Taxation should also be considered. The business structure and the way shareholders and directors are remunerated will determine whether more tax is paid or not following incorporation.

It is always recommended that you seek professional legal and financial advice before proceeding along the incorporation path, and it should be noted that this article is for general information only and should not be relied on.

To learn in more detail about how to incorporate a business, including more pros and cons and considerations you need to think about, visit http://www.incorporate-a-business.net

Article Source: http://EzineArticles.com/?expert=Richard_Taylor

4 Great Tips For Hiring a Commercial Collection Agency

By Gemma-Leigh Garner

Trying to find yourself a good commercial collection agency but have no idea where you should start? That's okay, I have some great tips right here. These are some things that you should look for when you get ready to pick the agency that fits your needs.

Tip #1- Compare- This means that you should not settle for the first company you find. They might be the worst ones out there. How will you know unless you compare them with other companies? Don't be afraid to let them know you have a few places in mind. Tell them you are comparing and you will get back with them. You never know what kind of offers may come up once you tell a few companies this.

Tip #2- Contracts- You should ask about their contracts. Ask them how often they update these and when they update. Ask for a copy and take it home with you. If they don't want to give you a copy then you need to forget this company all together. If they give you a copy you can take it home and read all the fine print while you're not being rushed to sign something. Take it home and read it. When you're done, hand it to someone else to read. This way you're sure you don't miss anything.

Tip #3- Insurance- You need to make sure the agency you hire is insured in the state you live it. Ask what type of insurance they have and how long they have had their policy. These insurance will protect you if something goes wrong. Something going wrong can be as simple as someone not agreeing with the collection tactics and they could sue. Without the proper insurance they will end up suing the collection agency and your company since you are the ones who hired this company. With the proper insurance they can not sue anyone.

Tip #4- Investigate- Once you have found a few companies that you really like, start looking into them further. You can check with the Better Business bureau first. Make sure they don't have any valid complaints. If they check out there, then take your investigation a little further. Head online and search with your favorite search engine. Just type in the company name and click search. This can lead you many places. You might find out more good things about them or maybe some bad things this time. It's always good to double check things.

Gemma-Leigh Garner is a freelance blogger and copywriter that writes on many different business & financial topics such as commercial collection agency debt collection strategies.

Article Source: http://EzineArticles.com/?expert=Gemma-Leigh_Garner

You Just Can't Win! Why Most People Fail at Business

By Karin Hiebert

Game Plan:

In order to play the game, or be in the game, you need to know what the game is. Who are the players? Who is on your team? {this is a team game} always is, was and will be... its called a business. Never is a successful business a one man {or woman} show.

In all of history it is, and will be an "us" vs. "them." Simple. Not easy, but simple. My philosophy is; there are no losers. "if" THE GAME IS PLAYED WELL, and fair. both teams win, everyone wins- "when you can shake each others hand and say "good game" and mean it, genuinely and sincerely." Play by the rules and play fair. No cheating. No switching dices, or moving your man up the ladder when no one is looking. No challenging the creators of the game and the rule makers.

Rules are there for a reason, as is law, and divine nature/ order of things. Google or any top search engine from here on in, are the game creators and rule makers. (when in question refer to the rule book) Here is the break down of the game, its rules and how you win the game, and what you win! 1. You will win abundant Freedom, Respect, and Recognition for PLAYING. You and your teammates will win the prize. {whatever you set out to BE the prize...} this is by "your" definition of success or accomplishment of goals.

Think Monopoly. Park Place. [what is it that you want or what is important to you? to your business? to your team?] Knowing what your team wants, or what your team will do, or not do is a must! [avoiding jail] missing a turn, or getting to roll twice, seeing other "opportunities" when they run into them for both you and them. this is the type of team and game you want to play...

{this is the first question; you need to examine-where do you want your business to go? or grow? will you want to sell it down the line or "will it" down the line?} Team Captains, Managers and coaches are all good to have. As well as "Spares"

2. You win this game by working with your team players and by playing fair. Now think Hockey, Who plays what? Will they pass the puck? {or pass the buck?} Where, who or what are the players strong points, who gets paid what? what are assets, weakness? who makes up for what, and where? Think game. Think games. How are they played? How are they best played? This is your second question!

3. We enter into playing a game for several reasons; its FUN! it's challenging! it makes you "think" and often in games, you need to think a few plays or steps ahead...it is creative, and a lot of games can go on forever, or for a very looooong time, chess, monopoly, whatever. 3rd Question= "WHY ARE YOU in the game?" "why play in the first place, and what kind of player ARE YOU?"

4. How long do you want to play for? [stamina, endurance, consistency, all matter] who will sit in for you when you leave the table, or game...? May all sound like a strange analogy to some business questions...It helps to figure out, or try to figure out, what it is that we want, and how we will get it. It eliminates the "what's in it for me"question you have, or anyone has who is on your team...of course we all pretty much want the same things...there is no question there...the only question remaining is "will you play, read the rules, and kind of learn as you go along?"

This is to stimulate thought, and your mind. Rather than the typical "what are your goals" these questions come before the "what are your goals" for your business... take time to think on this, until I get back in touch with you later today! ~Karin Hiebert

Karin Hiebert

~Karin is a social media marketing player. Karin also is a High Profile Hair stylist, Coach and trainer in advanced hair cutting, styling, and competition training for hairstylists around the globe.

A Dale Carnegie G.A. {graduate} skilled in teaching social media marketing, communication skills and Human Relations.

Currently Karin is Co-Authoring a book with Best Seller Timothy Kendrick on P.T.S.D. and trauma coping.
"Live your life, not the one others want you to live!"

Article Source: http://EzineArticles.com/?expert=Karin_Hiebert