Most popular content management systems

Best Business Credit Cards in Canada

The best business cards in Canada have big limits, attractive interest rates, and added incentives such as discounts on business-related purchases and travel, concierge, and plenty more.

Benefits for Businesses

Financial institutions offer business cards with a credit limit of $50,000 or higher which allows owners to make major purchases such as equipment, furniture, etc. This gives cardholders more flexibility compared to personal cards with limits of $500 - $5,000. Business owners with spotless credit histories are offered higher limits. The same goes for interest rates, perks, etc. Cardholders also benefit from the fact that a business card allows them to control their employees' spending. This can be done by setting spending limits. Financial institutions also offer perks and added incentives which vary from bank to bank. Examples include rewards or travel points, welcome bonuses, cashback, comprehensive insurance packages, and more. Some cards go with discounts on airfare and accommodation, free fast shipping, free credit information, and price protection. Finally, a business card goes with a separate credit meaning that if something happens, your personal credit history will not be affected. Of course, timely payments can help improve your score provided that transactions are reported by suppliers to the credit bureaus. A credit score boost means better terms and conditions on other financial products, including commercial mortgages, start-up and business loans, LOCs, and others.

Good Cards for Bad Credit and Benefits Offered

Some businesses have a fair or tarnished credit. If this is the case, a secured business card is one option to boost your credit score. The interest rate can be higher but there are added perks to look into, including no monthly fee, low annual fee, minimum deposit of $500, automatic reporting, and no credit check. Another benefit for businesses is the option to make an additional deposit to increase the limit. The deposit is fully refundable, regardless of the amount, but provided that you pay off the outstanding balance. The best part is that a secured card works just like any other card and can be used to make payments, bookings, etc. Note that interest charges apply if you fail to pay off the balance during the interest-free period. This is how unsecured cards work as well. Whatever the type of card, it is important not to max out to build a solid business credit score. Paying the balance in full helps save on interest.

What Financial Institutions Have on Offer

Banks, unions, and other entities in Canada offer both secured and unsecured options to large and small businesses. RBC, for example, offers three options – corporate and purchasing, commercial, and business cards. The latter are available to businesses with revenues of up to $2 million and go with travel rewards and other perks. BMO also offers business credit cards with cashback and travel rewards. There are different options depending on factors such as number of employees, annual revenue, and number of years in business. CIBC features business cards with generous incentives such as no restrictions and blackout periods, flight and travel rewards, large limit which can be as large as $50,000, etc. The bank also features low cash and purchase rates as well as the option to consolidate and control employee spending. Businesses are free to add up to 9 employees under a single account. What is more, CIBC offers credit cards to small businesses with revenues of $35,000 and higher. Other big banks such as Toronto-Dominion and the Bank of Nova Scotia also offer business solutions with beneficial features such as high limits, annual fee waiver during the first year, and more.

Read more

https://www.lifeoncredit.ca/bad-credit-personal-loans-in-canada/
https://www.lifeoncredit.ca/the-small-business-tax-reform-in-canada/

 

Starting a Home Business if You Have Bad Credit

If you have poor or average credit and plan to start a home business, you may want to use free online aids to lower your expenses. Given the fact that your chances to get approved for financing are more limited, you will benefit from things like open source-content management systems, free hosting, and the like.

Free Hosting

There are plenty of options to choose from, with added benefits such as functional hosting accounts, free video, music files, and image hosting, and free app and web tools hosting. Additional benefits include free domain hosting and data transfer, free hosting storage, free Wiki, social, forum, gallery, CMS, and blog hosting, and multilingual control panel, among others. Many online providers also advertise add-ons such as CRON, ROR, PYTHON, MySQL, PHP5, CGI, FTP, and File Manager as well as features like no file size limit, free site builder and instant setup, free domain registration, and unlimited email accounts. Free hosting is a great way to save on start-up expenses, and you can always upgrade.

Open-Source Content Management Systems

There are different open-source CMS such as Expression Engine, Drupal, WordPress, and many others. You will benefit from great features such as a large selection of themes, usable cross platforms, bundles, assignment plugins, the option to add new fields, quick edit modules, text editor, configuration manager, responsive imager, and a lot more. There are plenty of CMS types to choose from, depending on your skill level and what you intend to do. This will save you valuable time and what is more important – money.

What Else You Can Do

Online Store and SEO

This depends on your business idea, but if you plan to sell products or services online, one thing to do is to decide on the type of store you want to open, i.e. an eBay store or Etsy store, an e-commerce store, a blog, or anything else. You may need a SEO for better rankings and visibility, but this depends on your keywords and niche. There is a lot of competition in some niches and not as much in others.

Business Plan and Financing

When it comes to financial matters, you will need a good business plan to improve your chances of getting financing. A business plan contains detailed information about your business idea and potential, your company structure, product, niche and market, potential customers, financial estimates, and more. A lean plan is easier and quicker to come up with while a comprehensive plan requires more research and planning. Once you have a solid business plan, it is time to shop around for financing. If you opt for an unsecured loan, then you may need a cosigner. This should be someone with impeccable credit so that financial institutions perceive you as low-risk. The cosigner will be responsible for on-time payments as well if you are unable to pay down the outstanding balance. An alternative option is to apply for a secured loan provided that you can pledge an asset of value, whether a vehicle, real property, antiques or collections, equipment and machinery, or cash in your account. The asset to pledge depends on the amount required and the type of loan (start-up loan, merchant cash advance, accounts receivable factoring, and so on).

Read more

http://www.creditandloans.ca/
https://www.creditandloans.ca/secured-credit-cards-for-canadians/

 

 

Most Popular Content Management Systems

Content management systems are applications that allow users to delete, organize, change, and publish content for online shops, news websites, blogs, links, menus, and documents. Some of the most popular applications include Joomla, Drupal, WordPress, TextPattern, Cushy CMS, Radiant CMS, and others. Many of them are designed for professional use and are free to use. If you choose to upgrade, you are free to customize and use a color scheme of your choice and your logo.

Joomla

Joomla is a popular CMS because of its functionality and is designed for shared hosting packages. Users benefit from drop-down menus, easy to use interface, integrated help system, and easy upgrades. Other features include contact and banner management, media manager, content versioning, tagging, nested categorization, menu manager and newsfeed management and syndication. Users are offered plenty of add-ons and features such as extensive ACL, powerful extensibility, template management, and microdata library implementation.

Drupal

Another popular content management system, Drupal has a huge following and comes with features and tools such as Ajax load disabling, easy to use interface, configuration interface, and multilingual capacity. Other convenient features that users enjoy include easy content management and authoring, built-in web services, and standard and advanced accessibility features. Users also benefit from an enhanced markup with HTML5, more field power, and fast theming. There are other convenient features and add-ons such as the ability to handle a wide selection of content, including polls, podcasts, blogs, text, and video. Users have access to real-time statistics, menus, and tools to categorize, reuse, find, structure, and organize content. Optional revision control is also available. There are also applications to publish, administer, review, and create new content.

WordPress

WordPress is a widely used content management platform with many accessibility features and add-ons. This is a good choice for beginners. Among the many features are the option to preview posts and save drafts, along with add-ons such as multi-paged posts, multiple personalities, drag and drop administration, and dynamic page generation. This content management platform comes complete with key features such as navigation features, theme markup, title tag, post thumbnails, custom headers and custom backgrounds, automatic feed links, and content width.

Other Platforms

There are other popular platforms such as TYPOlight, Alfresco, Silverstripe, and many others. Alfresco, for example, is a content management system with features such as sites manager, active and completed tasks, document previewer, inline edit, filtered and instant search, and download as zip. There are other convenient features such as user dashboard, document library, mobile content management, process management, and document management solutions. Users are offered the option to manage agreements, proposals, contracts, and other business-related documents. With mobile content management, you are free to access data and documents such as contracts, presentations, and memos from anywhere 24/7. TYPOlight is another handy platform with plenty of great features, including intelligent system check, flexible form generator, advanced editing features, and a lot more. There are plenty of added benefits for users to enjoy, for example, built-in CSS framework, full-text search engine, responsive images, and plenty more. There are built-in blog and news modules as well as built-in calendar and newsletter modules. The platform also offers the option to remove, update, and install modules of your choice. Live updates are available.

 

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