When you talk about Visa or MasterCard, youâ€™re probably referring to your credit card. But Visa and MasterCard are actually payment networks or financial processing systems. These competing organizations handle trillions of dollars of credit and debit card transactions around the world, serving as the intermediary between you, the merchant who accepts your card, the merchantâ€™s bank, and the bank that issued your card.
Most merchants that accept one of these cards generally accepts the other, so from a pur- chasing perspective thereâ€™s little difference between them. Most banks also offer both cards. But some banks have stronger relationships with one or the other, and tend to offer more perks if you sign up for the one they favor. Most banks also offer debit cards with a Visa or MasterCard logo. You can use these cards at point-of-sale locations and also in place of credit cards in restaurants and retail stores. That differentiates them from bank ATM cards.
If your credit card billâ€¨ invites you to skip aâ€¨monthâ€™s paymentâ€¨without penalty, theâ€¨lender isnâ€™t doing youâ€¨a favor. If you take the â€¨offer, you probably wonâ€™tâ€¨owe a late fee, but you will owe finance charges on your unpaid balance. And any purchases you make after the due date you skipped will probably accumulate interest from the day you make them.
If you want to have the convenience of a credit card without as great a potential for debt problems, consider a debit card. Most banks offer debit cards, usually as a feature of your checking account. And theyâ€™re accepted just about everywhere credit cards are. They let youâ€¨ pay for purchases directly with money thatâ€™s withdrawn from your checking account.
A debit card doesnâ€™t guarantee you wonâ€™t overspend, especiallyâ€¨if you agree in writing to over- draft protection on your account. But at least your bank balance will be obvious when you visitâ€¨an ATM or check your account online. That makes it harder to deceive yourself about where you stand financially.
Contributions from the book Itâ€™s Your Financial Life in this press release are used with permission from Light Bulb Press.
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Norwalk Insurance Agency Educates On The Cost of Contractors Insurance
Norwalk, Connecticut (findit ) January 20, 2021 – JMG Insurance, a Norwalk specialty insurance agency, offers readers some valuable information regarding how much contractors insurance costs. The new article is guided by the insurance experts at JMG who have extensive experience helping clients find the perfectly priced plan for their needs. They have designed this new article to help readers get a better idea of what factors will affect the cost of contractor’s insurance the most.
JMG Insurance offers readers some valuable information that explains how to calculate what the cost of contractor’s insurance may potentially be. In the article, they explain what contractors insurance is before getting into the things that affect their cost. Some of the factors they go over include the number of employees, the types of contracting jobs, the risks associated with services, and others. They hope that this article will help contractors searching for insurance understand what to expect while also demonstrating the importance of working with experts.
While this new article focuses on explaining how to calculate the cost of contractor’s insurance, JMG’s website offers visitors more information regarding their team, experience, as well as a full list of service offerings. JMG offers personal, business, and specialty insurance that helps clients get the protection they need at the best possible rate. They offer thorough insurance plans for business owners, contractors, errors and omissions, general liability, group benefits, construction companies, and more. Their agency was built on the principles of providing superior customer service and quality insurance solutions for their clients, and they work hard to uphold these values. Their team strives to make the insurance process as simple as possible for every client.
With the addition of this new article, the team at JMG hopes that contractors will have a better understanding of what factors will affect how much a comprehensive insurance plan will cost. For more information, reach out to the qualified contractor insurance experts at JMG today at 1-844-304-7332 or visit their website at https://jmg.com/. Their offices are located at 29 Haviland Street in Norwalk, Connecticut 06854.
Apply For Student Debt Relief Programs Available to Borrowers with Freedom Loan Resolution
Students that are living paycheck to paycheck and struggling to make ends meet as a result of their past due student loans can apply for available student debt relief programs with Freedom Loan Resolution. We our a group of experienced student loan debt counselors that know and understand the situation that you are in and we are here to help you apply for the right debt relief program to meet your needs.
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