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Chase Business Rebate Card

3% Cash Back** for purchases
1% Cash Back on all other purchases
0% Intro FIXED APR for up to 12 billing cycles on purchases*
No Annual Fee
FREE additional cards
Up to $35,000 credit for your business


MAKE YOUR BUSINESS EVEN MORE REWARDING

Apply Now for the

Chase Business Rebate Card

• 3% Cash Back2,3 for purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
  
• 1% Cash Back on all other purchases
  
• 0% APR for up to 12 Months1 on purchases and balance transfers
  
• No Annual Fee
  
• FREE additional cards for your employees, FREE quarterly reports, and other online account management tools to help you keep track of your business expenses
  

DID YOU KNOW?

	Sometimes consultants and other service providers are hesitant to charge a fair rate for their services. Maybe they feel that the services they provide are so basic that you really can't justify charging much or anything for them. Perhaps they feel that they don't have the knowledge or experience that other consultants have. Thus, they hesitate to charge fair rates because of a lack of self-confidence. This is natural (especially for new consultants). However, what you know and do has real value. By the way, I'm sure that most people find it more appealing to deal with someone who is humble enough to admit their limitations than someone who is arrogant and cocky and not as great as they think they are. To stay in business, though, you need to charge a fair price for all of your services. Fair means fair to the client but also fair to you. You can enjoy increased consulting fees by developing more self-confidence. 1. Don't Take Your Skills for Granted First of all, we tend to take our assets for granted. If you are an expert bookkeeper and good with numbers, you may feel it's easy to do the work you do. Yes, it's easy for you but not for others. You may actually have an aptitude for what do. You may have a gift that others don't have. Perhaps, through hard work and applying yourself, you have developed a marketable skill. Second, even if someone were fairly good with numbers, it might not be a good use of time for that person to do the bookkeeping. By outsourcing this work, time can be more productively spent on other activities crucial to the business. Bookkeeping may seem pretty basic but if you ask your accountant to do it for you, he's going to charge you extra. Why? It takes his (or his staff's) time. Your services may also improve your client's bottom line. That being the case, your client is profiting from your services. Thus, by realistically evaluating the value of your skills and other assets, you can boost your self-confidence for increased consulting fees. 2. Increased Consulting Fees Despite Inexperience Just because there are people more knowledgeable and experienced than you doesn't mean that you can't charge for what you can do. The top tax lawyers in the country may be more expert than other lawyers but who can afford them? For most clients, hiring them would be overkill. Sometimes you might feel inadequate because you know you are still learning. You realize that you don't know everything there is to know about your field. Who does? We're all learning! Get paid for your on-the-job training. If you know some things that your client doesn't and you can help him improve his business, then you can offer a valuable service. Don't under-estimate the value of your services. Again, self-confidence can lead you to enjoy increased consulting fees. 3. Increased Consulting Fees for Additional Services Many feel that their clients wouldn't pay extra for certain additional services offered. How do they know? Have they asked their clients? Make your case for the extra fees. How could the services offered help improve the profitability of your client's business? Replace unappreciative clients (who undermine your self-confidence) with appreciative ones. Selling value-added services is one way to obtain an edge over your competitors. For example, a web designer who is knowledgeable about search engine optimization could help increase their client's targeted web traffic which could result in increased sales and profits. Premium services deserve premium rates. In summary: Don't take your skills for granted. Lack of experience doesn't mean that you have nothing to offer. Charge for all your services. Yes, your self-confidence can result in increased consulting fees for you.

The holidays can be a very financially stressful time. We all know Christmas is not about the gifts or how much money we spend, but it’s hard not to buy those perfect gifts for our loved ones even if we really can’t afford it. In some cases, credit cards can be great especially around the holidays; it means even though we currently don’t have the money, it won’t stop us from being able to get those gifts. But now the holidays are over and you’re looking at your credit card statements saying, did I really spend that much?

Instead of putting your head under a pillow and avoiding the whole subject, why not take this time to start learning about your finances, your financial situation and your credit cards. Lets make it a News Years resolution to get your finances under control. Repeat after me, “This year I will take control of my finances; I will no longer allow my credit cards to control me.”

Start by making a list of all your credit cards, if you have more then one. Get out your credit card statements, and write down the balances and the percentage of interest that is charged on purchases and cash advances. Many people forget that credit card companies tend to charge more interest on those cash advances as well as withdrawal fee. These charges can add up quickly, so if you have to take out a cash advance from your credit card know which card is best to use will not only save you money but will also remind you that you are taking control. Remember that your finances and money is just a game and once you know the rules, you will become a much better player.

Now that you have your list see if it is possible to transfer any balances over to a lower interest rate credit card. If it is, go do that right now, the sooner you do, the more money you will save. You want to start paying more off on the highest interest rate credit cards first, just pay the minimum on the other ones.

If you do have a few credit cards with balances, another option is to see about getting a consolidation loan. Consolidation loans normally come with much lower interest rates and you save banking fees as you only have one payment to make.

The hardest part for most people when it comes to their finances is admitting that they will never have control if they don’t start educating themselves. Many of us tend to be avoiders when it comes to money and unfortunately, most things only get worse, when we avoid them. Finances, credit cards, banks, loans all these things really are not that complicated when we site down and take the time to learn. Try scheduling thirty minutes three or four times a week to read and learn about your finances. Once the thirty minutes is done give yourself a reward, and congratulate yourself on moving closer to your financial freedom.