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Tips for choosing the right credit card

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A credit card is usually a great tool in your financial portfolio. They can provide rewards and money back, in addition to travel insurance and lots of other advantages depending on the card. If you’ve got decided to make use of and keep a credit card, finding the right one for your needs will take a while and thought.

Here’s a guide to make it easier to get the most out of plastic:

How much are you able to afford to pay for your credit card bill every month?

Along with the advantages comes the obligation to pay a monthly bill plus interest. It’s best to take a seat down along with your budget and get a transparent picture of what you possibly can really afford.

What is most significant to you?

Low rate of interest, rewards or a refund? It will take a while to sort through the advantages of several credit cards, from airline miles to points and money back percentages. Make a side-by-side comparison to come to a decision which rewards will actually profit you.

What type of credit card user are you?

This may require a little bit of introspection. Will you pay the balance every month or will you could have a balance? If you are going to carry a balance, you actually need a low-interest credit card. If you employ your credit card steadily, try offers that provide great rewards and advantages.

Decide the way you will use the card.

Will it only be used for emergencies or will you employ it to cover household expenses, airline tickets, etc.? This is significant because it’ll influence your selected credit limit and rate of interest.

Use the Internet.

Sites like Bankrate and Credit.com permit you to compare stores and make it easy to flick through a whole lot of credit cards in minutes.

Don’t rush your decision.

A properly maintained credit card account is a long-term relationship. Do thorough research to make sure that the credit card you ultimately select is the best fit for you.


This article was originally published on : www.blackenterprise.com
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Business and Finance

Hollywood loses $30 billion by not engaging diverse audiences

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Hollywood, diverse audiences


Over the past 4 years, McKinsey & Company has produced three separate reports showing that Hollywood has actually lost $30 billion by failing to have interaction in diversified business solutions. Hollywood’s failure to have interaction the Black, Latino, and Asian American/Pacific Islander communities in various ways has cost the film industry $10 billion, $12 billion to $18 billion, and $2 billion to $4.4 billion, respectively.

According to reports, there are significant discrepancies within the representation of Asian American and Pacific Islanders in Hollywood. Asian a part of the designation received many of the representation. At the identical time, five Native Hawaiian and Pacific Islander men remained, most notably Jason Momoa and Dwayne “The Rock” Johnson.

In an April report, McKinsey Company authors note that corporations are leaving billions of dollars on the table by not meaningfully engaging diverse audiences. “As our research and analyzes have shown, management staff do not have to be guided by altruism,” they write. “The reward for getting the job done right can make a real impact on the industry – and the reward will only get bigger. Progress may not be easy, but when increased storytelling richness is accompanied by multi-billion dollar opportunities, the business case is clear.”

In 2021, McKinsey’s report on the shortage of Black representation pointed to sparse representation in off-camera roles, and a Black executive who spoke with McKinsey indicated that the shortage of diversity has spilled over into project production as well. “Many former studio executives receive production deals as studio-affiliated independent producers, so any inequity within the studios will be passed on to other producers.”

A Black author described the problem of finding an agent, especially one with connections to Black people, telling McKinsey: “Even though I was working on a popular and well-received show, finding an agent was still difficult. Your average agent is a 50-year-old white guy… who has never had to stretch to see (himself) in other people or spaces. So it will be more difficult for (such agents) to represent people with whom they have no personal contact.”

In March, McKinsey assessed the same devaluation of Latinx representation each in front of and behind the camera, and as one Latinx producer told the firm: “There is no shortage of actors. Almost a surplus of writers. The broken part is the business side: they don’t know how to support and promote content created by Latinos.”

Additionally, the report’s authors directly linked the roles of black and Latino off-screen talent; each groups inevitably have the duty of providing work for members of their ethnic groups.

“As with Black representation in film and television, Latinos who are rising to prominence in the industry play a huge role in providing opportunities for other Latino talent: on average, a Latino producer, writer or lead is 15 times more likely to sign a project more if the director or showrunner is Latino,” the authors wrote. “Considering that only 5 percent of films have Latino directors and 1 to 5 percent of TV and streaming shows have Latino showrunners, the ceiling for opportunities for Latinos is low.”


This article was originally published on : www.blackenterprise.com
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Some New York homeowners will receive $1,407

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homeowners, New York, STAR program, tax break


Checks with a mean value of $1,407 will be sent to certain New York State homeowners under the STAR program (New York’s School Tax Relief Program). The checks will help offset the associated fee of faculty taxes paid by homeowners.

According to , registered New York State STAR residents who meet the standards should receive inspections over the following few months. People should expect to receive them this summer, and most will receive them by September 11. The program has two levels. Last 12 months, the typical homeowner’s check statewide was $778 for a Basic STAR check. Those with Enhanced STAR paid a mean of $1,407 per check.

People who’re already registered will mechanically receive a check or tax credit of their account. Unregistered individuals are asked to register by phone or online. All eligible homeowners with incomes below $250,000 will be eligible for an exemption from the fundamental STAR program. Seniors who’re 65 or older (or who will be 65 by the tip of 2024) may qualify for an Enhanced STAR exemption in the event that they live and own the house as their primary residence. Additional criteria are listed below.

  • You own your private home and it’s your primary residence.
  • You will be 65 years of age by December 31, 2024. In the case of joint property, only one in every of the spouses or siblings have to be 65 years old by that date.
  • Your income have to be $93,200 or less. The income limit applies to the combined income of all owners (residents and non-residents) and any spouse of the owner living within the property. For STAR purposes, income means federally adjusted gross income less tax basis for total IRA distributions (individual retirement accounts and individual retirement annuities).
  • Please check with your 2023 state or federal tax return to find out in case your income qualifies for the Enhanced STAR exemption in 2024.
  • Federal Form 1040. Adjusted gross income (line 11) minus the taxable portion of IRA distributions (4B).
  • File New York State Form IT-201, Resident Income Tax Return.

Homeowners can check their neighborhood define after they receive their STAR check (or credit).


This article was originally published on : www.blackenterprise.com
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Carmelo Anthony launches a cannabis brand

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Carmelo Anthony, Adidas, Jordans, Nike, high school

 


Carmelo Anthony has launched a cannabis brand that can donate a portion of its proceeds to a nonprofit that wishes to offer back to the identical community harmed by the federal government’s war on drugs that has jailed people selling cannabis.

Former player of the National Basketball Association fired StayMe7o (pronounced Stay Melo) Cannabis April 20, a day celebrating the usage of marijuana. The brand’s name is “Stay Melo” and is a reference to his nickname Melo and the number seven he wore while playing within the NBA for the New York Knicks, Oklahoma Thunder and Houston Rockets.

StayMe7o hemp debuted under the umbrella of a recent cannabis agency called Grand National. The company is a collaboration between Lowd Cannabis CEO and founder Jesce Horton and Brandon Drew Chief Creative Officer Jordan Pierce. The agency will concentrate on branding, expansion, strategy and marketing activities within the cannabis space.

“I have always been interested in the benefits and science and education of cannabis,” Melo stated. “I’ve been studying it for years, paying attention to the industry, seeing where it’s going, the trajectory, getting feedback. Considering all the research, why not do it? Talk about the benefits of cannabis, what to consume and how to consume it.”

Melo also recognized the importance of representing Black entrepreneurs within the space and partnered with NuProject, founded by Jeanette Ward. Its website describes the corporate as a corporation that works to “build generational wealth through the legal cannabis industry for communities most harmed by the criminalization of cannabis – Black, Indigenous and Latinx/o/x communities.”

“This is a space with a long history where Black entrepreneurs have been punished and prosecuted and arrested and locked up for cannabis,” Melo said. “Now, in order for it to be legal, it is right to reopen this door to those who want to participate in this game who are already participating in it. Instead of being one thing, how can we unite and work together to achieve a common goal? Everyone here has marijuana. What sets you apart?”

There are two black-owned locations in Oregon where you should buy StayMe7o marijuana: Green Muse AND Wonders of natureeach in Portland.

This article was originally published on : www.blackenterprise.com
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