Easy Debt Settlement

The cheapest way to spend money abroad, and to get cash from an ATM, is to use a credit rather than a debit card, says money guru Martin Lewis of MoneySavingExpert.com. But be extremely careful which credit card you use.

For regular travellers, the best cards are the Halifax Clarity (top pick); Post Office Platinum; Santander Zero; Saga Platinum (over-50s only); and Nationwide’s Gold Card – if issued before February 2011. Most others add 2.5%-3% to foreign exchange transactions. The cards above don’t apply this “loading”, meaning you get a “perfect” exchange rate – beating even the best bureau de change.

All the cards on the list, bar Nationwide Gold, allow load-free transactions worldwide. Nationwide gives load-free transactions only in Europe – a 1% fee applies elsewhere.

Lewis says there are a few caveats. You have to pay off the balance each month in full.

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Tags: Credit, Credit Cards

Tenielle Bartley (Customer Advisor, Warrawong, NSW) & Ann-Marie Martin (Store Manager, Coonamble, NSW)

John Foley (Store Manager, Waroona, WA)

CENTRAL SITES:

Jane McGloin (500 Bourke St, Melbourne)

– Horace Wong (800 Bourke St, Melbourne)

– Myfanwy Coghill (FSU Workplace Rep, 383 King St) & Kath Brierley (383 King St Melbourne).

About the process

The election process is being conducted on NAB’s intranet. To vote, you will need to go to the NAB Health and Safety page.

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Being ones own boss is the dream of many Americans. But few have the wherewithal to come up with a viable business plan and the start-up money needed to be successful. That’s where franchises come in.

SEE AS A SLIDE SHOW: 8 Low-Cost Franchises for Hard Times

Sure, buying into a franchise with a well-known pedigree can be daunting: Many top brands require a lot of capital up front and a strong business background.

But weve found eight growing franchises that have relatively low start-up costs and are available to first-time business owners. All provide essential services that are likely to remain in demand through good times and bad. And most can be run from home.

Product/service: Nonmedical senior home care Franchises in the U.S.: 609 Growth in franchises: 8.9% Net worth requirement: $100,000 Royalty: 5% Franchise fee: $39,000

The need for senior care is expected to rise with the aging of baby boomers.

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Tags: Franchises, Franchises Hard

For residents facing hikes in income and property taxes due to a faltering economy, any reprieve to this tax burden is welcome. In the state of Minnesota, the property tax refund may offer just that. The refund is available to homeowners meeting certain criteria and is even available to some renters. Although the amounts received from the refund are not exorbitant, any amount refunded by the state is welcome during difficult economic times. Compared to states who tax their residents and charge fees for basic necessities such as garbage disposal and school education fees, receiving a property tax refund is a welcome change in the state of Minnesota.

The property tax refund offered by the state of MN is also extended to renters. Renters must meet certain eligibility requirements. For starters, the individual must have been a full or part time resident of the state for the entire year.

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Tags: Property Tax, Property Tax Refund, Refund, Tax Refund

The kinds of programs like business debt negotiation and personal loan negotiation are hugely popular with the kind of positive results they are bringing for people immersed in debt. However, it is important to be cautious when looking for a program to help you with your business debt. There are many programs online that are offering distrustful information, which is why you should do extensive research to ensure you receive help from a company that is reputable and reliable.

What do you mean by business debt solution?

There are different types of small businesses that settle debt issues by sitting in discussions with creditors. The process is known as business debt negotiation. The creditors sit and assess the financial condition of the businesses and decide how much should be paid by the debtor and within what time.

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Tags: Business Debt, Business Debt Negotiation, Debt, Debt Negotiation