Financial Planning - Getting an Expert Financial Advice

By Scott O. Hoyle

Financial planning is composed of complex concepts and a range of other personal finance management elements. That is why a majority of individuals will admit that they are endowed with comprehensive knowledge about financial planning. Besides, most of them say that they do not have enough time managing their finances. Therefore, the best possible way of effectively managing your finances is to hire an expert who can help you do the job well.

An accountant's profession covers all the stages of your investment - from establishment to completion. When you are investing, a skilled and reliable accountant can be a key member of your investment strategy team. Your accountant's main role is to keep track of the financial status of your investment, to decrease your tax burden associated with your project and to minimise your financial risk.

Your accountant can offer you services such as:

- Filing either your corporate or individual tax returns, or both

- Proving you with expert advice on tax management and financial planning

- Creating a system for cash management as well as for funds handling

- Preparing and analysing financial statements

- Evaluating the reliability of budgets, investment plans and financial forecasts

Total Card Visa Review

Are you one of the many who have no or poor credit history? Maybe you suppose that your selection of credit is limited to only secured cards? Maybe there is hope for you. Total Visa is an distinctive choice for those with "less than ideal" credit history.

A major advantage of Total Visa is that the bank gives an accounting of your payments monthly to the main credit bureaus. This can help you develop an affirmative payment history and demonstrate that you are a reliable and trustworthy customer.

An additional benefit of this card is the opportunity to raise your credit limit. It could be approved if you make payments on time for 6 months and your balance is not more than the limit. You may request the bank to evaluate your account for a limit increase every three months. Furthermore, there's no fee for the assessment or for a subsequent raise in the credit line.

4 Great Visa Rewards Cards

Reward cards are a way for credit card companies to give a little back to their customers. You can take advantage of this by selecting a rewards card that gives you rewards for doing what you do anyway, be it paying for your pet, shopping online, or going out for a night on the town. With that in mind, let’s take a look at four of the best Visa rewards cards available:

Pet Rewards Visa

This card can be personalized to display a photo of your pet, or the card holder can choose from three stock designs. It’s a good choice for pet owners with feed and veterinary bills. Card holders receive 500 bonus points after their first purchase, plus one point for every dollar spent on everyday purchases. Two points are earned for each dollar spent on purchases from participating vet clinics, feed stores, pet stores, and animal food retailers. Customers can start earning rewards with just 750 points accumulated, and those points can be put toward veterinary services, discount certificates for pet food, and donations to animal shelters.

Chase Amazon.Com Platinum Visa Card

If you do a lot of shopping online at the retail giant Amazon.Com, this is the card for you. When shopping with this card, you will earn 1,500 bonus points after your first Amazon purchase. After that, you will earn 3 points for every dollar spent on Amazon.Com, and 1 point for each dollar spent on purchases elsewhere. For every 2,500 rewards points you earn, you will get a $25 Amazon rewards gift certificate. If you add authorized users to your account, they will earn points for you with their purchases, too. Additionally, the card comes with a zero-interest introductory period of six months, and no annual fee. They even offer online management reports to help you track your spending. This sounds like a pretty sweet deal for frequent Amazon customers.

Visa Business Credit Cards

The Visa Business Credit Card is one of the most popular business credit cards serving the business market today. Recognizing that businesses appreciate the need for good cash management, Visa offers business credit cards designed to provide business people with purchasing convenience, cost savings, instant access to credit when they need it and complete, detailed reporting of all business expenses charged to their Visabusiness credit cards.

Visa business credit cards can be obtained from any one of the many issuers that are affiliated to Visa. The credit card packages are likely to vary from one issuer to the next, but there are certain features that are universally applicable to any business credit card issued under the Visa brand. These universal features, privileges and benefits, will typically include the following:

Auto Rental Collision Damage Waiver

All Visa business credit card holders are covered for damages due to collision or theft, at no added cost. This benefit reimburses you for the costs incurred to repair or replace covered losses on a hired vehicle that you paid for with your business credit card. The only condition is that the vehicle should have been exclusively used for business purposes. When you rent the vehicle on your eligible Visa business credit card, remember to decline if the rental company offers its own collision damage waiver. This will activate your Visa coverage. If the rental company is adamant and insists that you buy their policy, call your benefits administrator. In the case of theft or damage to the rented vehicle, you will first call the Visa benefits administrator before speaking to anybody else. He or she will then advise you how to proceed.

Selecting The Right Visa Credit Card

The Visa Credit Card Company

Visa credit cards are a accepted all over the world, and their card services are available to a wide range of customers as well. Visa offers a variety of cards, and it is likely you will be able to find the right card for your needs.

The Visa Credit Card Company offers an online survey that helps prospective cardholders to choose the right card for them. The survey asks a few questions about the users needs and circumstances and the ‘online advisor’ will pick out the right card and direct the user to the visa credit card application form for the card that suits them.

First Time Applicants and Rebuilding Credit

The Classic Visa credit card is a simple card with a low spending limit; the card covers complimentary rental car insurance, will secure a lodging reservation, and can be used for everyday purchases. 

The Student Visa Credit Cards will give students great money saving opportunities such as no annual fee, low annual percentage rates, reward or rebate points for purchases of school related items, and some cards will even give extra reward points for making good grades and using their credit wisely.