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Despite central banks reducing base rates to an historic low, credit card interest rates are set to rise. A report by PriceWaterhouseCoopers claims that existing business lending models are not sustainable due to the level of bad debts, funding constraints and an extremely difficult economy. It is expected that interest rates will rise, credit card annual fees will become far more common and 0% balance transfer cards will become increasingly hard to find. Furthermore, it is anticipated that cards are likely to be transformed from tools of borrowing into just a method of payment.
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The business credit application process is an assessment of the ability of the entity to repay the requested loan amount. Criteria will include a review of the viability of the business as a going concern, a look at its business credit history and available collateral, and a review of commercial references. A cash capital business loan can be either a collateral or non-collateral loan. Collateral is pledged business property or assets securing the creditor of debt repayment.
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The term "spring cleaning" evokes images of dusting, cleaning closets, and washing windows. But spring cleaning shouldn't be limited to just the home and garage. Spring cleaning should include a clean up of unfiled paperwork and unnecessary spending.
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Most Bostonians choose a quick breakfast during their morning commute on the weekdays so weekend brunch is a treasured affair. Some of the hip restaurants will serve guests in their pajamas while others require a dress code.
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