What is the Difference Between Credit Cards and Charge Cards ?

What is the Difference Between Credit Cards and Charge Cards ?Often , it is stated that the Credit Cards and Charge Cards are the same product with the same performance , which makes the choice between one or the other .

Credit Card:

A credit card offers the user a fixed credit limit that can not be beat ( unless you expand the lineup after negotiated with the issuer of the card) and which will apply interest to pay off the amount due.

Credit Card could be an option for those who need to distribute the outstanding debt balance during a given period of time. Deferred payments may also be settled soon, if this option was available to the cardholder .

Charge Card :

Instead the Charge Card has no preset spending limit , but is based on patterns of expenditure and payment from the owner. This limit is determined by the internal criteria of the CA. The monthly outstanding balance must be paid in full before the due date of each monthly bill. Otherwise , you may incur expenses .

With a Charge Card , you can manage your expenses easily. This will avoid paying interest each month and pay the full balance of your card. Expenditure is incurred only if not paid all monthly expense charged to the card at the agreed time.

Alcobendas Organizes a Course that Guides Entrepreneurs with Business Ideas

Alcobendas Organizes a Course that Guides Entrepreneurs with Business IdeasAlcobendas has organized the fifth edition of the course ” Creation and consolidation of companies ,” which is part of the pilot project to the Ministry of Industry held in the town under the name of ‘ Alcobendas Entrepreneurial City ‘ , which aims to promote the creation business .

This was observed by the municipality in a statement , which added that is already open enrollment period for these sessions , which begin March 11 .

The course will be taught by the School of Industrial Organization (EOI ) under the Ministry of Industry, and serve the audience for the “development and viability” of their business proposals , while they ” support the implementation of business projects ” proposing attendees.

Under the program, marketing techniques and legal, tax and finance will be discussed , among others, although one of the highlights is the ” tutelage ” of the business project of the attendees to the implementation thereof, and monitoring business during the first months .

Also, the City is committed to making online processing the start of the activity and incorporation of companies, as well as offering information about different lines and existing financial aid , to facilitate and promote the creation of businesses in the town .

10 Ingredients of a Successful Invention

10 Ingredients of a Successful InventionWhen I tell people that I am not only an inventor, but also help other innovators, almost everyone has a “confession” to me . They have an idea they have been thinking for years and would like to get out of his chest. They want to get feedback and insight of a professional. And most of confession session ends with a different version of the same questions : ” What is your instinct about my idea? Will it make me rich? ” .

To be successful and economic opportunity , is more important than your idea meets certain criteria . Even a moderately innovative idea can become a great success if you have the right “ingredients”. But keep in mind that some ideas can succeed or fail depending on the design and the decisions you make to develop and transform it into a product.

Here I share the 10 ” ingredients” that I seek when deciding whether an invention has the right recipe for success:

1. Put passion in the invention. The idea must come from your personal experience and your passion. So do not invest time developing an invention that does not excite you . Passion is the fuel of entrepreneurial action.

2 . Offering great value . The winning products provide more value for the money it costs . It is not just the price : Something can be successful if it is more expensive and delivers more value for every dollar . The added value can be tangible ( improved functionality) or intangible ( brand ) .

3 . Satisfies a gap in the market . Introduce a competitive field forces you to snatch market share from established competitors . Instead, enter a ‘ gap ‘ in the market assures others you have to take part of your market.

4 . Ten potential high return investment. Because the invention is inherently risky , save your efforts for issues related to the potential for high rewards. Evita inventions of underperformance, especially because the effort and investment is the same in most cases. If an item is inexpensive, then you have to sell large volumes. On the other hand, generate big ticket items that work best in situations of low-volume niche .

5 . Keep it simple . Another way to reduce risk is to go for simple items , as they are easier to implement and less expensive to develop . Furthermore, ideas are easily explained which sold more easily.

6. Keep a clear path of sales. If an idea is not sold through traditional channels, and existing retailers, then it will require more effort to develop distribution. Try to avoid complex distribution networks and focus on existing .

7. Exploits attractive markets. Growth markets represent major opportunities for success. Also, take note that there are more receptive and hungry for innovation than other industries.

8. Have a well-defined consumer. It should be easy to identify the type of person who would buy your product. Make sure the product is tailored to the needs of the consumer. By taking time to understand a particular client , it will be much easier to implement your marketing efforts (and see results from them ) .

9. Make sure it is within your personal limits ( technically and financially ) . Walk before you run. Do not stretch too financially to go bankrupt if your invention fails. One way to cover your financial foundation is to get a partner to share the risk with you.

10. Avoid the ” gotchas” . Some products have hidden challenges that may not be aware . To avoid them , investigate and question others.

Services Business Ideas

Services Business IdeasEveryone has skills, knowledge and experience, and anyone can convert these assets auto become a lucrative business. What you only need is determination and a little creativity to get started. In fact , most utilities require little or no money as seed money , provided you possess knowledge.

The service industry has grown larger , surpassing other fields of business in the last 15 years. But for entrepreneurs , business owners , technicians and highly skilled, start a service business is a good career to pursue .

Who can sell a service? Who can start a service business ?
The answer is simple: each and every one . Everyone is able to provide a service or the other, because each of us has the skill, knowledge or experience that other individuals are willing to pay for as a service , or are willing to pay to teach their ability or specific knowledge. Sale services know no borders , in fact, anyone who has a need or desire to make money , the extra work from home, or design and operate a full-time business you can sell a service, regardless of age , experience business, education or current financial resources .

How to take advantage of their skills.

Do not worry if you lack business skills and experience in areas such as time management , personal contact sales , negotiation, bookkeeping and the ability to create effective ads . While all these are important skills to have, but at the same time are also skills that can be learned and mastered with constant practice . More important than all of these skills is the question :

” What skill ( s ) have to be sold as a service?

Any skill ( s ) you own may be your best and most marketable asset. Being a self-employed entrepreneur and business owner for a number of years , the fruits of being your own boss is the freedom and independence that gives the shots , which can be difficult to achieve when working for others. With that being said , below are 12 business ideas unique service that you can start today and make a lot of money. Read the rest of this entry »

Credit Cards the Origin of Many Financial Problems

Credit cards the Origin of Many Financial ProblemsAccording Gavaloyes , “In many cases credit cards are the source of many financial problems. People do not know that when someone is financed through a credit card interest rate is above 20%.

Whatever the origin of the debt, the result is the same . We left a local sale and check the whole street is full of anti – debt shops. It is the golden mile of delinquent citizens. And more , the pre request help from a lender step.

Internet bombards the debtor messages with low budget ads . They do not need to invest in advertising, without it very effective . Lenders use the desperation of the client, his anguish over the lack of money.

When the fish takes the bait no turning back . The debt can fall into the traps of some lenders millionaires trading outside the law.

In this uncontrolled forest are private loans , the king is Antonio Arroyo , a former subastero causes almost 60 open in the prosecution for alleged fraud . The police on his heels and stop him in 2012. Agents are convinced that lures hundreds of families .

Start Your Own Internet Business

Start Your Own Internet BusinessMost successful online business owners failed many times before they found something that worked .

I have personally worked hard for a good two years before I really thought it all , but once I did really been downhill from there . I’ll try to help you avoid some of the pitfalls you may face when starting your own Internet business .

Once you decide to take the leap and go about building a real business on the Internet, and when I say true I mean a company that is not a plan that will make you a few bucks here and there, but a business real that has value and can sell one day.

The first task is to decide what you hope to achieve with your online business . Most people fail because they have no idea what they are looking for and if you ask you can give a general answer such as ” I want to make a lot of money. “

That is a general response and certainly can not define a real goal as you do not set realistic goals that you have no chance of success.

Therefore, the first step is to put your goals down on paper as this will help you shape your business plan and all this is going to get you started on the right foot .

There are hundreds if not thousands of ways to make money working online and if allowed , it can become extremely annoying task. Read the rest of this entry »

5 Ways to Improve Your Personal Brand in 2014

5 Ways to Improve Your Personal Brand in 2014For millennials and established workers alike, the new year brings an opportunity to reevaluate your career goals long term and how to carry them out , “said Thomas Moran , CEO of staffing firm Addison Group . ” Dedicating 2014 to brand yourself and enhance your career.

Moran offers five easy ways to enhance your brand yourself to boost your career in the coming year :

Commit to networking . Just because you have a current job you are happy with does not mean you should not keep networks . It’s a great way to meet people you could work online, or work with a current project . You never know who you’ll bump into at industry events .

Continue learning. Lots of training and professional classes are available to help individuals driven to expand their knowledge race. Take a class that will help add a skill to your resume or a management class that can increase the education section of your resume .

Be open to new opportunities. If a recruiter or friend lying on a potential opportunity , do not immediately brush food. Do some research on the company or project and remember that just because it is easier and more comfortable to stay in his current position, which is not always the best option.

Identify a mentor. Establish a connection with at least one person who has the professional success you admire. You’ll have a person with knowledge of the industry and a description of the path to career success . You do not have to follow the path of that person exactly , but it will help with the paving of a tentative plan.

Set goals . If you are interested in moving up in your current job , set a list of goals to help you reach your next promotion or raise. Conversely , if you are looking to get a new job or change careers completely, outlining specific actions that can facilitate movement and commit to complete a step each month.

Epson Introduces its Line of Printers Epson Smart Edgy OmniLink for Trade

Epson Introduces its Line of Printers Epson Smart Edgy OmniLink for TradeEpson , a world leader in imaging solutions , introduced OmniLin Epson intelligent solutions , a new line of smart products which includes printers POS (point of sale ) with embedded intelligence to provide flexibility and efficiency in all trade print edgy .

The line of Epson Epson OmniLink represents a new class of intelligent solutions that allows merchants to take advantage of new POS applications and configuration flexibility without sacrificing their current technology investment.

In response to consumer demands a more personalized shopping process , businesses are adopting technologies that allow greater mobility POS , custom promotions and access to information via the cloud. ” Our new line of smart solutions help businesses to expand their POS capabilities ,” said Rajeev Mishra , Vice President of Commercial Sales and Marketing , Epson America . ” Epson OmniLink solutions enable retailers to adapt their POS systems to growing business needs. It offers a flexible and powerful POS platform enabling new revenue-generating services and POS configurations to transform the way they manage their businesses . “

Designed for those businesses looking to implement mobile POS a model more customer oriented yet maintaining existing POS infrastructure , Epson OmniLink solutions are the connection between traditional platforms and mobile POS . With varying levels of processing capacity, Epson OmniLink solutions allow businesses deploy wireline and mobile POS solutions in a variety of configurations.

Epson series OmniLink -i.

The series -i OmniLink Epson Epson POS supports mobile , cloud services and information display applications . These models include a printer Epson POS Receipt highly reliable and labels, an integrated web server and e- POS extraordinary technology Epson print browser-based printing from any mobile device. The models also operate as a PC that includes a Linux platform , connecting peripherals and VGA . Epson series OmniLink -i enables cloud-based services , such as data analysis, digital receipts , coupons and loyalty programs without requiring POS system integration loyalty .

Epson OmniLink -DT Series .

The series Epson Epson OmniLink -DT is designed for those businesses looking to implement various POS configurations for increased efficiency and functionality. These models include the operating system POSReady 7 or Linux that operates with an Intel Atom 1.8GHz for stability and performance , all integrated into the ultra small POS receipt printer from Epson. All series Epson models OmniLink -DT meet standards established software and include several ports for connecting POS peripherals such as scanners , keyboards , screens and cash drawers . They are also compatible with mobile POS deployments and includes a built-in web server and technology ePOS printing Epson print from the web without having to install driver . The first model in the series is the OmniLink Epson TM- T88V -DT Epson and throughout the year will see more models.

About Epson .

Epson is a global leader in digital imaging and innovation, whose aim is to exceed the expectations of consumers worldwide through its compact technologies , ecological and high accuracy , with a range of products ranging from printers and 3LCD projectors for POS companies and businesses to electronic devices and liquid crystal . Led by Seiko Epson Corporation based in Japan , the Epson Group has approximately 75,000 employees in 100 companies around the world and is proud of its ongoing contributions to the environment and the communities in which it operates .

New York Times Launches New Online Advertising Format

New York Times Launches New Online Advertising FormatThrough a new advertising format, readers of the New York Times will have access to a conference streaming Schools for Tomorrow, which is played when you click on the banner sponsored by Bank of America.

The conference is about the relationship between technology and education, and what better way to promote it than through a new technological format.

Meredith Kopit Levien, in charge of publicity of digital publishing, has designed this new advertising strategy that is much more aggressive than before and that includes a variety of advertising formats.

It is the first time that starts an action such as this within an advertising and streaming of the conference only opens after clicking on the banner, which pops up a new window, so that if you close the reproduction is cut, thus avoiding annoying automatic reproductions.

In recent months, The New York Times has allowed its advertisers include very innovative proprietary content. This new advertising strategy responds to the continuing loss of advertising revenue that has made print media have been left further and further behind in the digital world.

The new formats also respond to the demand for marketers to create content that will attract consumers who are tired of the old ways. In this case, Bank of America, not create new content for promotion, but has become known as the sponsor of this conference, an initiative undoubtedly more attractive to the consumer than the classic banner.

This new action is added to a new channel IFTTT, which has commissioned digital newspaper, a platform that allows you to connect media with users’ personal accounts.

Entrepreneurs Force Capable of Transforming and Improving Social Conditions

Entrepreneurs Force Capable of Transforming and Improving Social Conditions The governor opened the meeting ” Latin Embark ” , organized by the Mexican Council for the Development of Small and Medium Enterprises .

We require in our state , this type of event to encourage more and more entrepreneurs to invest in this land , the state governor said .

The governor of Jesus Reyna Garcia, said that entrepreneurs are a force capable of transforming and improving conditions in society , they are the main generators of employment , hence the need to prevent potential is limited by not having with an appropriate environment conducive to their development.

This was said while inaugurating the Business Meeting and Business ” Latin Embark ” , organized by the Mexican Council for the Development of Small and Medium Enterprises ( COMDEPyME ), where in turn , the Haitian ambassador to Mexico , Guy G . Lamothe , recognized the high potential for trade Michoacán and said decided to ” do something strong with this state.”

In the event which was held in the Cultural and Convention Center Tres Marias , the head of the state hoped that this meeting will achieve the necessary agreements to achieve trade integration , cultural , corporate and business , as exemplifying the firm of cooperation agreements with Latin American Bilateral Chambers of Commerce and the Embassy of the Republic of Haiti.

In this sense , Reyna Garcia said that with these conventions is demonstrated work, leadership, and brotherhood integration between Latin American countries. ” I know that both employers Michoacan as meet national and international marketing opportunities and various strategies to facilitate exports.”

The governor explained further that meetings like this is just what we need in our organization to encourage more and more entrepreneurs to invest in this land , ” therefore I invite you to know the potential of resources and large labor force of our people “he told the businessmen present continent .

Salamanca Alberto Prado , president of the Association of Latin American Bilateral Chambers of Commerce , also recognized Mexico ‘s competitive advantages and block countries of central and southern Europe , as only in 2012 , according to data from the Economic Commission for Latin America, foreign direct investment in Latin America , 173 000 was $ 361 million , significant amount of investment funds which were mainly to Brazil , Chile and Mexico , “we need to convince members of the business community to be south looking north more to do , “he said .

Similarly, Haiti ‘s ambassador in our country , Guy G. Lamothe , to sign on behalf of their nation collaboration agreement with business chambers , expressed the interest of his country to share economic growth with Latin American states , offered to cooperate and open to business with Morelia and Michoacan , “we do something strong with this state. ”

While Jorge Bucio Lemus COMDEPyME president and organizer of the meeting , said that today require the Michoacan and Mexican business sector , but also said it is necessary to build a true humanist economic model that nurtures the actions and relationships the benefit of all , enhance human capital so as to amend the levels of quality of life for residents .

This meeting will take place over two days in which businessmen, officials and leaders of different nations such as Peru , Chile , Costa Rica , Colombia , Bolivia , Haiti , among others , will present the new provisions for micro, small and medium businesses to open to exports and take advantage of trade agreements between the nations of Latin America .

They were participants in this event , the head of the office attached to the office of governor, Fuentes Guillermo Guzman , Secretary of State for Economic Development , Juan Pablo Arriaga Ten , Secretary of Economic Development of the municipality of Morelia , Luis Navarro Garcia , the delegate of the federal economy ministry in the state, Alejandra Cardenas Nancy Meza , to name a few .