Comment posted What Credit Cards Are Made So That You Are Instantly Approved Or Denied? by eshopcre….
You can apply over the phone what ever bank card you wish. And mostly every credit card company, when giving your information to them can tell you in a matter of 5 min.s whether or not you’ve been approved or denied. At one time you waited about 3 weeks before you knew, through the mail. Good Luck!
eshopcre… also commented
- I think you should start listening to Dave Ramsey……
- I ran a search with Instantcreditprovider.com to filter out instant credit for students.
Try: http://www.instantcreditprovider.com/credit_cards/offers/search.php?term=student - mostly all of them. they have systems where when your credit is pulled they automatically know how much they are going to give you.
I would try Captial One or Providian - is much harder to get a decent credit card if you had no credit history, try student load easier way for you to build up credit.
- If you’re a student start with your existing bank. Visa and Mastercard have student card with no or low fee and interest rate featrues.
Just have a look around.
www.visa.com
www.mastercard.com
Recent comments by eshopcre…
- How Do Health Insurance Tax Deductions Work For A Member Managed Llc?
Multiple member LLC’s can be taxed 3 different ways:
1. As a partnership
2. As a C corporation
3. As an S Corporation
The deductability of health insurance premiums for your LLC will depend on which of the 3 types of entities your LLC elected to be taxed at (the default is the partnership form of taxation).
Typically, you will be able to deduct 100% of your health insurance premiums although there are some specials considerations for owner/officers of S Corporations who own more than 2% of the company.
If you speak with a CPA or qualified tax advisor they should be able to give you plenty of good tips. One thing that you may want to mention is a medical reimbursement plan. Here is some more detail on medical reimbursement plans: - How Much Liability Insurance Do You Need To Start A Companion Service?
Minimum business liability is $1 million. - How Much Liability Insurance Do You Need To Start A Companion Service?
You would require commercial general liability coverage as a minimum. This would protect you for any bodily injury and property damage caused by your employees/subcontractors. If they are true subcontractors then they should be carrying their own commercial general liability policies (these policies are not cheap, therefore you better be prepared to pay these “subcontractors” well if you’re going to convince anyone to sign up for this scheme). One thing to keep in mind is that sexual molestation and abuse are excluded under any liability policy. Any venture that involves working with the very young or the very old opens themselves up to this type of risk more than other types of businesses, therefore you may want to speak to an experienced commercial broker about either having this exclusion removed or finding a carrier that will provide this coverage separately. Another big exposure is if your employees/subcontractors steals money or securities from your clients. No liability policy will cover this act. You would need some sort of crime coverage with an extension/endorsement that would cover criminal acts against your clients (normally this coverage protects against criminal acts against yourself). - How Much Liability Insurance Do You Need To Start A Companion Service?
1,000,000 at least i would up it to 2,000,000 it doesn’t cost that much more. protect yourself fully or you will be sorry. - How Much Liability Insurance Do You Need To Start A Companion Service?
Well, YOU are responsible for liability for your uninsured subs, and you are ALSO responsible for their workers comp, if they don’t have their own policies.
And I seriously doubt they are true subs – if they are the ones that have to show up, they are EMPLOYEES. Calling them subs, does NOT get you off the hook for liability or workers comp.
So. Most likely, if no licensing is required, the only coverage you need by law, is Workers Comp (unless you’re in TX). But, keep in mind that if you have no general liability, and your subs/employees have no general liability YOU can be held responsible to write the checks for any damage done by your subs/employees. Even if you call them subs.
Just like, if they’re injured on the job, YOU are responsible for their medical payments and lost wages – even if you don’t have a workers comp policy. The general is ALWAYS responsible for uninsured subs as if they were employees.
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