Business Insurance Advice Center

Our new business insurance tips and advice center serves to answer many frequently asked questions about the basics of business insurance. In addition, the center examines the subtleties of small business insurance, and digs into topics such as different types of insurance coverage and plans that are available to small businesses.

Topics include:
- Business Insurance Explained
- Choosing Business Insurance Coverage
- Business Insurance Terminology

Whether you are looking for a simple, basic business insurance policy or a more advanced, special-needs business insurance policy, this area, as a whole, can help you in the decision-making process.

This new area is one of more than 10 advice centers available on e-wisdom.com. Make your next insurance decision a knowledgeable one. Get answers to questions before choosing an insurance company and plan.

Posted in Site Updates, Insurance, Small Business | Permalink

Long Distance Phone Plans for Business

Big savings on long distance telephone bills is not only for residential callers. There are also many long distance phone plans for business that come with extremely affordable per-minute rates and very low, if any, monthly fees.

For many small businesses, choosing a long distance plan with a cheaper rate can end up saving hundreds of dollars each year. In fact, the savings can add up to even more than hundreds per year if the business makes a large number of long distance calls each month.

Many small businesses overlook this aspect of their budget as a money-saving opportunity. But a quick search can show how low the rates can really be. As of April 2008, businesses can get long distance rates as low as 2.5 cents per minute.

In additionto low rates and fees, some of the business long distance plans also come with additional options, such as calling cards, toll-free numbers and more.

For answers to any questions about our long distance comparisons, visit our knowledge center. Make your next decision about long distance service a knowledgeable one and you may end up saving a lot of money in the process.

Posted in Long Distance, Small Business | Permalink

Updated Credit Card Comparison Chart

We recently updated our credit card comparison chart to a more detailed format that can help make the credit card comparison process much quicker and easier.

The new and improved comparison chart now allows you to sort the top 15 consumer credit card offers and the top eight business credit card offers by the following features:

Introductory APR on Purchases
Sort credit card offers by the introductory annual percentage rate (APR) associated with purchases made with the card.

Introductory APR on Balance Transfers
Sort card offers by the introductory annual percentage rate (APR) associated with balance transfers made with the card.

Regular (Ongoing) APR
Sort offers by the regular (ongoing) annual percentage rate (APR) that will apply to all purchases and balance transfers after the introductory period ends (if applicable).

Annual Fee
Sort by the annual fee associated with the card.

In addition to browsing the latest deals on comparison chart, you can also compare credit card offers by feature, by bank/issuer, or by credit rating. We provide multiple search options to help you find the card that best fits your individual needs.

If any questions arise in the search process, visit our knowledge center for helpful tips, advice, answers, resources and tools.

Posted in Site Updates, Credit Cards, Small Business, Personal Finance | Permalink

Facts for Consumers - Fair Credit Billing Act

How you ever been on the wrong end of a billing error? If so, keep in mind that these types of errors can be corrected if the proper steps are taken. The Fair Credit Billing Act (FCBA) provides guidance in the area of dispute settlement procedures.

The FCBA applies to “open end” credit accounts, such as credit cards. It also applies to revolving charge accounts, such as department store accounts. It does not apply to installment contracts, such as auto loans or appliance repayment contracts.

Read more about the Fair Credit Billing Act now:
- Learn about your rights with credit card billing errors
- Find out types of disputes are covered
- View a sample letter written to a creditor
- Find answers to common questions that may arise
- Learn about other rights and options that you may have

You can find more information about various finance topics in our tips and advice center. You can also find financial calculators and other helpful credit-related resources in our knowledge center.

Posted in Credit Cards, Miscellaneous, Small Business, Personal Finance | Permalink

Long Distance Plans - Save Hundreds of Dollars Each Year

How much are you paying monthly for your land-line long distance phone service? So many people use it each and every month and yet so many still overpay for it. Is it possible that you are unknowingly in this “overpaying” group?

If you’re paying more than five cents per minute for your long distance calls, it is a good bet that you are, in fact, overpaying for your long distance phone service. In fact, it is not uncommon to find long distance plans that charge less than three cents per minute in many states across the U.S. And many long distance plans now have no minimum requirements (required minute usage, etc.) and very low, if any, monthly fees.

A cheaper long distance rate can really add up to big savings over time - to the tune of up to hundreds of dollars per year. It is not uncommon to save $200-$300 per year. And it is realistic to save up to $40 per month, or almost $500 per year.

Switching your long distance plan to a more affordable alternative is one of the easiest ways to put extra money back in your wallet. You can easily compare long distance plans side-by-side or visit our long distance tips and advice center to find answers to any questions about long distance phone service that may arise along the way.

Make your next long distance phone service decision a knowledgeable one and kick start your savings in the process.

Posted in Long Distance, Small Business | Permalink

Free Small Business Insurance Quotes

One of the latest additions to e-wisdom.com is our new business insurance area. Simply enter your zip code and you’ll be able to compare various providers for all of your business insurance needs.

Types of small business insurance offered may include general liability, workers compensation, commercial auto, group health and more. Please note that the previous list is an example and that business insurance offers will vary by location.

See also:
· Business Credit Card Offers
· Business Lines of Credit
· Long Distance Plans for Businesses

We offer a variety of business-related products and services for small business owners and employees to compare and contrast. For more detailed information about any business topic, visit our small business center.

Posted in Miscellaneous, Insurance, Small Business | Permalink

Facts for Consumers from the FTC

With the New Year still fresh, now is a better time than ever to scrutinize your current monthly expenses. Take a look at each individual monthly expense and determine what you could be saving money on for at least the next 12 months.

The Federal Trade Commission has a lengthy but informative article titled 66 Ways to Save Money that is a must-read for anyone looking to save a dollar or two.

Topics include:
- Transportation
- Insurance
- Banking/Credit
- Housing
- Utilities
- And More

And, as always, be sure to utilize our extensive knowledge base before signing up for a new product or service. This area is filled with tips, advice, FAQs and other resources that will help you make your next decision a knowledgeable one.

Posted in Cell Phones, Credit Cards, Long Distance, Loans, Miscellaneous, Insurance, Small Business, Personal Finance | Permalink

The current USPS rate change, effective May 14, 2007, will impact all classes of mail. View details of the changes here.

Is your small business prepared for the change?

Visit our Small Business Center for detailed information on how to deal with the upcoming postage changes. Being prepared for the changes can end up saving you a lot of money and time in the long run.

Posted in Miscellaneous, Small Business | Permalink

Business credit cards are available for business owners, executives, and employees of businesses. This type of credit card can offer many of the same features as a traditional consumer credit card: Low introductory rates, cash back rebates, travel rewards, etc. However, business credit cards can also have many additional benefits compared to consumer credit cards.

Benefits may include (but are not limited to):
- Keeping business expenses separate from personal expenses.
- Special business rewards and/or savings.
- Expense management reports.
- Obtaining additional cards for employees.
- A higher credit limit (than a traditional credit card).

In many cases, obtaining a business credit card simply for the purpose of separating business and personal expenses can be extremely useful for a small business owner.

In additon, these types of credit cards continue to grow more and more robust in terms of the features that they offer to the small business owner. These features include cash back rebates, various rewards programs, unique savings opportunities and more.

Every credit card is a bit different and promotional offers often change, so be sure to thoroughly look over the terms and conditions for each specific credit card before applying online.

· Compare business credit cards now and apply online if you find a credit card that fits your specific needs.

Posted in Credit Cards, Small Business, Personal Finance | Permalink

There are a lot of Web hosting companies out there, and specific Web hosting plans vary widely in price and features. Most Web hosting companies provide a wide range of services, from budget Web hosting to business Web hosting to dedicated Web hosting.

These factors make it difficult to sort through the abundance of information and find the Web host and hosting plan most suitable to your needs. Before you purchase Web hosting, be sure to understand the basics. Figure out which features you will defintely need and which features you don’t really need.

If you are new to Web hosting, it is recommended that you read up on the basics before purchasing a hosting plan. A good place to start is our own How to Pick the Right Web Host. You can also view our Web Hosting FAQs for more information about common hosting-related topics.

Once you have a good idea of what you’re looking for in a potential Web host, you can compare Web hosts right here. We always have a fresh list of deals from reputable hosting companies.

Posted in Web Hosting, Small Business | Permalink