2 Things to Watch Out for When Choosing a Credit Card

Whether you are looking forward to getting a credit card for the very first time or you want an upgrade to one that meet your needs way better, it is always important to carry out a detailed research. With a wide range of the best credit cards to apply for, it will not take long before you find one. However, there are a few important factors you need to keep in mind before choosing a credit card. Below are some of the most notable ones.

  • Annual Percentage Rate (APR)

If you fail to clear the due credit card balance in full each month, then interest is definitely going to accrue on the owed amount. The interest rate is usually displayed as the Annual Percentage Rate (APR), and is the normal rate you will end up paying on the amount you owe. The good news is that most companies offer a lower introductory APR hence you can clear the debt with a lower interest rate for a specified period of time. For those who are planning to pay credit card debt, this is the perfect opportunity to reduce the overall interest you will end up paying.

  • Cost of Keeping the Card

Even if you own the best groceries card, you are always going to spend a lot of money on fees unless you decide to read the fine print. Among the most important things you need to watch out for is the annual fee.  Credit cards that tend to charge an annual fee might end up offering better rewards in return. Most of these rewards can even offset the cost of the fee thus saving you a lot of money in the long run. Things should not stop there since it is also better to have a look at the foreign transaction fees especially when you are fond of using your card overseas. Keep in mind a high number of companies do not charge any foreign transaction fee. This action will go a long way in making sure you avoid digging deeper into your pockets when traveling.

Final Thoughts

For you to get the best petrol card or any other credit card of choice, it is highly advisable that you choose wisely. At no time should you take things hurriedly as it might end up making your life a living hell.

Factors to Consider When Choosing a Market Research Firm

When it comes to choosing a market research company, you might find it hard in choosing the best there is. This might not be a surprise to many if we are to go with the high number of market research firms out there. However, this should never be the underlying reason why you cannot make a well-informed decision. In this article, we will look at some of the factors you need to consider when looking for the best market research firms. Read on and find out more.

  • Trust

If you have no clue on how to find out about your competitors in Singapore, then a market research company is going to reduce the hassle involved. To get good value for your money, you need to rely on the services of a firm you can trust at all times. However, this can never happen through an introduction done by a phone call meeting. Instead, it evolves over time from the promises made by the market research firm to their clients that are upheld. Another angle of trust is earned by the portion of work provided. Through this action, you will maintain a conversation that is exciting, passionate and interesting when working on your market research project.

  • Cost

You will find it quite hard in understanding the cost for a market research just as is the case with any other service industries. One thing you ought to keep in mind is that the cost of a market research project is always built on the number of estimated hours spent on a project. To avoid going through a lot, it is highly advisable for you to go through reviews of the leading market research agencies in Singapore. This action is aimed at making sure you compare the cost of each market research firm before choosing one.

Final Thoughts

The above-mentioned tips will come in handy when looking forward to hiring a market research firm. To avoid the hassle that comes with doing your due diligence, you can consider checking out the official website of MediaOne Marketing. Here, you are not only destined to come across Joshua Research Consultant online reviews but also other top market research companies in Singapore you can count on at all times. Find the list here and deal with any business competition that comes your way.

Qazikoo bank offers digital banking services in multiple currencies

International business

Since more people are using the internet and spending more time online, there has been a major increase in the number of online businesses. Unlike most conventional businesses which have only local customers, or customers from the same country, these businesses have clienteles from around the globe. Most people find it more convenient to make payments in their local currency hence many businesses are interested in opening a bank account with a bank that offers multiple currency accounts. To cater to these businesses, Qazikoo bank, a fintech start-up is now offering multicurrency accounts and customers can make or receive payments in more than 25 different currencies.


There are many advantages of using Qazikoo bank compared to traditional banks. It offers Low exchange rates for foreign currency so the business expenses due to currency conversion fees is lower. The currency conversion is almost immediate, customers do not have to wait to get the currency they require. Anyone can also get personalised credit cards and these cards can be used worldwide without paying any additional fees. Qazikoo offers digital banking using latest technologies and customers can easily access their bank account, using the app provided. To ensure that there is no hacking and customer data remains secure, high tech security encryption techniques are used.

EIS investment

It is now possible for investors to purchase a stake in Qazikoo using the EIS investment scheme through the government. The government recognizes that new start-up businesses are risky, since it is possible that they will not make a profit. Hence these businesses are finding it difficult to get funding. However, new businesses are also essential for the growth of the economy. So, to encourage investors to invest their money in start-ups, the UK government has started the Enterprise investment scheme (EIS). It is now possible to make an EIS investment for Qazikoo, a challenger bank which hopes to become a unicorn company in the near future.

What to Look for in a Tax Advisor

We all want to be surrounded by the right people in life. From encouraging friends to a wise mentor, you can never ignore the benefits they have to offer. To avoid the stress that comes with the tax season, you need to make sure you are relying on a great tax advisor. Unfortunately, finding the right tax advisor can prove to be a daunting task. Despite this, it is still worth spending most of your precious time since we all want to get good tax advice if things are to work out perfectly.

One thing you ought to prioritize when looking for a tax advisor is whether they are experienced and have the right qualifications. Keep in mind your main intention is to work with someone who is going to offer quality advice. What we are trying to imply is that the tax pro needs to have a clear idea of everything that is taking place. This will mean checking whether the tax pro is an enrolled agent or a Certified Public Accountant. Since they both undergo extensive training, testing and continuing education, they are definitely going to serve you better.

Aside from the qualifications, it is mandatory for you to check if they are available all year. Nowadays, it is quite common to come across tax advisors who only pop up during tax seasons only to disappear after filing your tax return. Be sure to look for a tax advisor who will be readily available to answer all your questions in November or any other time of the year. Through this action, you can keep pace with everything that is taking place in the tax world.

Never be in a hurry to work with the first pro you come across simply because you are in dire need of tax advice. Actually, most people who do this end up regretting their decision in the long run. It is for this reason that you need to do due diligence if you are to come across the best tax advisor there is after which you can reap maximum benefits.

What Qualifies as Mortgage Interest Deduction?

Let us face it; owning a home especially in the USA can be considered a huge advantage especially when it comes to tax time. This may not come as a surprise considering you will benefit from the mortgage interest deduction on the interest expenses that are charged on your loan. For those who might have no clue, the Mortgage interest tax deduction is applied for mortgage interest paid on the first $1 million on your mortgage debt.  In order to claim the mortgage interest deduction, you will first have to itemize on your tax return.

With the mortgage interest deduction, you are set to reduce your taxable income by the amount of money you had spent in mortgage interest during the year. No wonder you are always advised to keep your records when having a mortgage since the interest you are now paying on your home could help you in cutting the tax bill. One thing you ought to keep in mind is that the deduction limit on your mortgage is no longer $1 million but $750,000. However, the changes only apply if you purchased a home after December 15th 2017.

So, what qualifies as mortgage interest? Well, you can easily access this information on the IRS publication 936.  To give you a tip of the iceberg, the home has to be collateral for the loan or must have sleeping, cooking and toilet facilities in order to count. You can also deduct your home mortgage interest when you receive a nontaxable housing allowance through the ministry or from the military.  Unfortunately, title insurance, settlements costs and homeowners insurance is not deductible.

One thing you ought to remember is that you might end up having a negative impact on your mortgage deduction on your taxes if at all you happen to have a higher income in local and State taxes. When it comes to claiming a mortgage interest tax deduction, it is important to note that the online tax filing is developed with at-home filers in mind. You’ll thus have an easy time when claim the mortgage interest tax deduction.

Is it Possible to Deduct Home Improvements on Taxes?

It is without a doubt that you will fall in love with the areas where you are going to save on your taxes. And when it comes to your home, things tend to double. Keep in mind your house is one of the biggest investments you can ever have. Therefore, it makes sense when you decide to go with options that can apply associated costs to your tax bill.  This is mostly the case when it comes to things such home repairs that tend to be costly at times. But are there tax deductible home improvements?

Well, there are some bad news and good news when it comes to this area. If you have the main intention of using your home as a personal residence, then you cannot deduct home repairs on taxes. Things are no different when you have to call in a pricey repair service to your home. The good news is that you can deduct home improvements. Some might wonder how you cannot deduct home repairs on taxes, but still deduct home improvements.

Home improvements are viewed at as capital improvements. What we are trying to imply is that any amount of money you spend on improvements qualifies as something that raises the value of your home. This in turn increases the capital gain you are set to get after choosing to sell your home in the future. Unfortunately, deducting home improvements is not that easy when compared to itemizing them on your schedule A tax form.

By now you might already be wondering about the type of home improvements that are tax deductible. Some of the most notable improvements include kitchen upgrades, wood deck addition, bathroom remodels, and siding and window replacements to mention a few. You’ve probably realized that most of these home improvements touch on the exterior of your property. This can be attributed to the fact that they have the biggest returns. For this reason, you are destined to recoup the most amount of money when compared to the amount of money you spent on the improvements.

What You Need to Know About Form 1040A

Even though the Internal Revenue Service (IRS) might seem to be stern and unforgiving, the truth of the matter is that they put in measures to ease tax time. This can be attributed to the fact that they have offered a number of personal tax returns aimed at streamlining the filing process. Among the most notable type of personal tax return is the renowned Form 1040A. The idea behind tax form 1040A is that you are not going to make many mistakes with the filing process as long as you qualify to file a simpler return.

However, changes have already been made to how we file our 1040 tax forms considering it is now a Schedule A. This new schedule A is attached to the newly designed 1040 tax form. What is even more fascinating is the fact that it is a shorter version of the original one. However, you might fail to notice the difference especially when your tax situation is very simple. Despite this, those with more complex tax situations must attach a number of schedules to the new Form 1040.

Quite a number of people are still in limbo regarding whether they qualify to file form 1040A. To clear any doubts that you might have in mind, those with taxable incomes that does not exceed $100,000 can file Form 1040A. However, this only applies when they do not want to claim an Alternative Minimum Tax (AMT) on the stocks they gain after exercising and incentive stock option. In addition, they ought to claim the standard deduction and forego itemizing.

So, why should you file form 1040A?  Well, the main reason why you should consider using Form 1040A is that it happens to be faster and easier to prepare when compared to the longer 1040. Better, it still covers more tax credits and deductions unlike the 1040EZ, another simplified return option. If you are thinking about preparing your tax return by hand, the Form 1040A is worth starting with. Luckily, you do not have to worry about the tax to use when relying on tax software.

How to Choose the Best High Risk Payment Gateway for Your Business

High-risk businesses that are unable to get a payment gateway through a traditional payment processor or their bank are often left looking for an alternative solution to processing credit card payments. In their search for the right payment gateway, most high-risk merchants end up coming across a wide range of high risk processing merchants to choose from. Below, we will take a look at some of the most important features you need to watch out for in a high-risk payment gateway. Read on and find out more.

Opt for a Payment Gateway That Accepts More Than Just Credit Cards   

Even though it is important to allow your customers to use credit cards, those who do not have one or are not into using credit cards might find it hard. This is mostly the case when they cannot pay in other ways. By making sure your high risk payment gateway allows you to accept major credit cards, mobile payments and debit cards, you will no longer have to worry about turning away paying customers. Of course, the type of payment you choose to use will depend on whether you are making sales online or in person.

Protect Your Business’s Best Interests

There are quite a number of features that some high-risk merchant account payment gateway includes to protect you against fraud and other damaging transactions. The best payment gateway should be fully integrated with anti-fraud software. In addition, the high-risk merchant account processing company should offer all-inclusive accounts that protect merchants. Some of the most notable features that can protect merchants include multi-bank processing and chargeback alerts. Through this action, you are definitely going to keep chargeback ratios low since you can alternate transactions in different supporting banks.

The Bottom Line

The best payment gateways are offered by companies that offer a full range of merchant services. This will include fair fees, chargeback alerts, fraud protection and 24/7 merchant support. If you are searching for such a company, then you should look no further than iPayTotal. With their help, you can easily create your high-risk international merchant account together with a customized credit card processing solution. If this is not enough, they will help you secure the lowest rate for your payment gateway high-risk business. Visit their official website today and find out more regarding what they have to offer.

What Are IRS Forms

Individuals and businesses rely upon IRS forms whenever they want to report financial activities to the federal government. This is done with the main intention of calculating their tax liability. The Internal Revenue Service is tasked with the main responsibility of creating hundreds of forms every year. However, you might only come across a handful of them from year to year. One thing you ought to remember is that there are different forms of IRS forms. Some of the most notable ones include tax return forms, obtaining tax forms, information tax forms not forgetting schedules and attachments to IRS forms.

Quite a number of people do not seem to know where they can get their IRS forms. Well, this is should never be the underlying reason why you are going through a hard time since innovations in the world of technology has made life so easy. Nowadays, you can use online tax software in downloading IRS tax forms from the comfort of your home. All you need to do is find reliable online tax software after which you should enter you information into the system.  Once you do this, the correct tax forms will be supplied automatically within the shortest time possible.

When using any online tax software, you can access any tax forms you need be it for the current or previous years. However, you must be ready to answer all questions asked after which you need to fill in all the right forms  If you are not into this, then you can consider visiting the official website of IRS. Here, you are set to come across free fillable Federal tax forms.

Keep in mind filing your tax return manually is not a piece of cake as some people think.  It is for this reason that you should let the tax software take you through the entire filling process. This way, you will not only save on time but also reduce your chance of making mistakes when filing tax returns. Make sure you look for the best tax return software if you are to reap maximum benefits.

Requirements for the Child Tax Credit

Before claiming the Child Tax Credit, you will first have to determine whether you child is eligible. Luckily, this is something you should never worry about since the information is readily available online. In fact, it will not take long before you can finally get to know more regarding Child tax credit eligibility. To give you a slight insight into the requirements for the child tax credit, you ought to know that you child must be under the age of 17 at the end of the tax year for which you are claiming the credit.

Aside from the age of your child, it is also important to carry out a relationship test. What this simply means is that the child must be your own, a foster child placed with you by an authorized agency/court or a stepchild. You are also allowed to claim your sister or brother, stepsister and stepbrother. In case there happen to be any descendants of these qualifying people be it your nephews or nieces, then you can claim the credit. However, you need to make sure they have met all the other tests.

Other notable tests you can use in determining Child tax credit eligibility include family income test, residence test, citizenship test, dependent test, support test to mention a few. However, you need to make sure you understand what each test is all about before you can finally claim the credit. For instance, you can only qualify for the support test if the child cannot have provided more than half of her or his own financial year throughout the tax year.

Keep in mind the Child Tax Credit is not refundable if at all your credit is way more than your tax liability. In this case, you tax bill will be reduced to zero and you will lose any remaining unused credit. The good news is that you can claim a refundable Additional Child Tax Credit for the balance that was not used.  Be sure to understand fully the Child tax credit eligibility before making the decision of claiming the credit.