Adding Authorized User to Credit Card: Know Everything with a Simpler Viewpoint

Piggybacking has now been an industry standard practicing for adding authorized user to a credit card with the whole intent of improving one’s credit rate with poor performance. Typically, under the system, an authorized user or a primary card holder who do not know each other are brought together to perform the agreement, which is basically administered and convened by an intermediary company specializing in tradeline deals. Even though the authorized user cannot use the card, however, they enjoy the benefit of the good credit score of the cardholder which shows as if the AU’s credit history, once added to the card. As against the services, the authorized user is supposed to pay a charge to the cardholder through the company intermediate the whole program.

Simplifying the procedure

While there is widespread confusion among people with the terms of ‘Authorized User’ ‘Tradelines’ or ‘Piggybacking’ and how the whole process works, its lawfulness and acceptance to lenders, understand the following points focused on adding authorized user to credit card procedures.

Ø Tradeline is, in fact, the details of credit-line information that you can find on your credit report. Apart from the personal details, all your credit involvements like a credit card, mortgage, or car loans are termed as a tradeline.

Ø With a bad credit score or no credit rate, for the purpose of quickly improve your credit status, if you are added being an authorized user to such a credit line or tradeline (mainly used for credit cards since that makes the process feasible and handy) with a high score and steady credit history, that will automatically reflect in the credit statements of both the primary cardholder as well as in the records of the AU.

Ø Piggybacking is not any new concept and has been commonly used in a family circle while parents designate their adult son or daughter as AU to one of their credit cards enabling them to initiate an early credit life. Equally, millions of couples add to their spouses as Authorized users that help them in better financial planning and management. Becoming a joint cardholder and/or getting someone as a guarantor are also some types of piggybacking however, piggybacking through credit cards are mostly in use.

Ø With none in your family circle prepared to add you as an AU, (which is a common scenario) the intermediary company specializing in adding authorized user to a credit card can help you in piggybacking and thus reach the destination to meet your financial need with someone’s else’s support.

Ø Naturally, similar to all other services that you obtain, for becoming an authorized user to some stranger’s account you need to pay a sum of fees which is handled by the go-between company.


Hopefully, from the above-stated points, you can now understand that tradeline industry is basically performing on the concept of piggybacking credit. Typically, this is the marketplace whereas tradelines are bought and sold. So long, the procedure is not undergone for some fraudulent purpose, it is absolutely legal in the eyes of federal regulation. Even if both parties involved in the procedure are strangers, professional tradeline companies are caring enough to maintain 100% privacy of both the cardholder and the authorized user in the deal.

It’s a Mature Bull Market And Time For A Strategic Hedging Plan

Here are some of the excuses I hear from professional money managers and risk managers for not having a hedging program in place:

we’re waiting for more signals just to be sure;
I read an article which said the stock market has more upside;
we’ll make a decision after the next quarterly earnings are out;
I’ve been managing assets for 20 years and I’ll know when it’s time, and it’s not time yet;
I don’t want to leave profits on the table;
what’s hedging?

That last excuse always causes my heart to skip a beat. It’s troublesome because professional money and risk managers either have forgotten the basics of asset management or have never learned the principals of their profession.

I completely understand every other excuse and the reasoning behind them all. There’s just one problem and that problem has been around for as long as the economy itself. The reality of the situation is that almost everyone fails to see the signs in time to alter course. Or greed comes into play where the asset manager wants to squeeze every last percentage point of profit. No doubt street creds are valuable when marketing a funds return to potential investors. I get that too.

I’ve spoken to hundreds of risk managers to ask the simple question “After you conclude your analysis and it’s determined that risk levels are rising, what is your firms policy?” “I don’t understand.” I take a pause to re-word my question. “What steps does your firm take to address the risk and then mitigate the risk?” The answer is usually something like, “well, we do more analysis.” I then ask “does your firms ever set a hedging program into effect?” a blank stare, “What’s hedging?”

There are clearly two problems here.

the individual or firm who falsely believe there is no immediate concern and ample time for more profits. They will easily recognize the signs and take action when it’s needed;
the individual or firm who is completely unaware of the approaching storm and there is nothing they can do about it except to buckle up and hope for the best;

Would you be surprised to learn the first commodity exchanges were organized as a mechanism to hedge commodity risk? It’s quite true. Hedging is not necessarily complex, but you do require access to the derivatives market and need a derivatives specialist to understands the market.

Hedging is equivalent to insurance

You can’t accurately predict when you’ll need it, and you can’t control things which are not under your control. So to protect yourself and your property, the prudent person agrees to an insurance policy in exchange for an affordable monthly fee. The monthly fee is an affordable alternative to the high risk of not recovering after a disaster.

Hedging is much the same. In exchange for a small monthly fee, the firm mitigates their risk against an unforeseen event. For a business, this means an economic recession or a stock market reversal, either can be devastating. Will any of this happen tomorrow, can it be predicted in advance? Well sort of. In the winter months your risk of slipping on ice or snow is greatly increased. But the question we don’t know is if it will happen to a member of your family or perhaps to your neighbour.

Hedging your risk is not different. Will the economy move into recession or will it remain stagnant? Will it last 6 months or 24 months? We’re seeing interest rates rise with more to come. Corporate earnings are under stress. The economy of China is under pressure and Brexit is expected to throw the U.K. into a recession. Do you really need any more bad news to make you sit up and take notice.

Here’s what you need to do. Firstly forget what everyone else is doing because if you follow the herd, that same herd will lead you off the cliff. Make your own analysis of the situation and if you can’t survive another recession or don’t think having to lay-off staff is any kind of strategy then perhaps sound advice from a derivatives and hedging professional might just be the answer you’re looking for. Don’t know where to find one? No need to look any further because derivatives is not just what we do, it’s all we do. Make the call, you’ll be glad you did.

Analyzing APR: Tips to Consider before buying your Next Car

The idea to spend money cautiously is one that sounds simple in words but becomes difficult to execute. Especially, when you fixate your eyes on a new car that you wish to make your own. However, a clear mind, knowledge backed by research and a strong mindset will not only help you buy the car you love but will also save your money.

APR 101: Understanding the Annual Percentage Rate in Detail

Seeking your own answers to the following questions on APR will help you plan your finances in the correct manner.

1. What exactly is an APR?

The literal meaning of APR is Annual Percentage Rate, which in effect is the yearly amount that you will pay on your auto loan. Typically, an APR is the actual price that you pay for the borrowed money over the loan term. For instance, if you seek out an auto loan of $500 with an APR of 10%, the interest that you are expected to pay is $50 for that year, depending on your auto loan deal.

2. What is an Ideal APR Number?

According to Statista, the general APR on auto loans is close to 4.96%. However, the APR that the auto lenders offer you will depend on your credit score and credit history. The higher your credit score, the better are your chances of obtaining a lower APR. For instance, consumers who have a good credit score of 760 or more, get an auto loan with APR as low as 2% to 3%.

Alternatively, for subprime car buyers with a score of 580 or lower, the APR can be in the range of 10% to 15%. Therefore, the reason an APR becomes important is that a good APR means responsible spending that helps you save in the long run.

3. How to obtain a Good APR on your Auto Loan?

A good credit score will help you in attaining a good APR as lenders are more certain about their investment in you. In order to strengthen your credit score, clear off all past debts and payments. Also, make all your current payments on time. Another factor that can help you in getting a low APR is the length of the loan. Usually, an auto loan with 60 months or lower, will assist you in getting a good APR. Also, the age of the car plays an important role in ascertaining the number. The newer the vehicle, the lower the APR on your car.

Stay Aware: Make an Informed Car Buying Decision

Acquiring a good APR on your auto loan is not a very difficult task. The average rate of interest for US auto loans may be low. However, you should be aware of your personal credit score and financial situation. It will give you the edge to effectively negotiate a good APR on your auto loan. Therefore, stay aware and focused on your current financial standing and the path ahead to get your car will become easier.

Don’t Let a Client Promise of More Business Tempt You to Lower Your Public Relations Consulting Fee

When determining your fee for a potential public relations or other type of consulting project, more than one prospective client is bound to tempt you to lower your rates by promising lots of future business.

My advice: Don’t be swayed into lowering your rates if a client — especially a prospective client — says he’ll make it up by giving you plenty of work in the long run.

I’ve taken such chances with a few clients and, for a variety of reasons, the immediate project was unrewarding and a steady stream of additional work never materialized.

Lowering your fees at any time is professionally perilous and definitely the wrong move when you’re first setting parameters and establishing a client-consultant relationship. Here’s why:

• You may never receive the amount of follow-on work you anticipated when discussing the initial project.

• Raising your rates in the future will be awkward.

• Clients who constantly haggle over price will wear you out because they can always find someone willing to charge less than you’ve proposed.

• Competing on price alone will shackle your company’s growth and make you resent low-paying assignments and clients. Don’t set yourself up to be poor, angry and sad all at the same time.

The entire fee-determining process — particularly for solo-practitioners — is based on a gumbo of ingredients including the economy, abundance of clients, projects in the pipeline, competition, your services, market niche, skill level, experience, reputation, self confidence, self-worth and more.

If you’re like me, you put quite a bit of thought into what to charge a client and why. And like many public relations professionals, there’s a good chance you over-think the issue and probably short-change yourself by not charging what your skills and the project are really worth.

If you question your rates, raise them. Trust your instincts to tell you when you’re right.

Many years ago when I first set out as a public relations and communications consultant, I met with representatives from one of the largest and most prestigious management consulting firms. I made a presentation focusing on how I’d publicize their new hospital technology practice, including their integrated info systems demo facility.

I remember how concerned I was with the rate I’d given them to do the job. When I didn’t win the assignment, I thought it was probably because my rate was too high.

In retrospect I realize I could have proposed a much higher rate similar to what they charged their own consulting clients. It wouldn’t have fazed them a bit. Actually, I bet a higher rate would have pumped up my professional image.

Charging low rates can harm your prestige in the eyes of clients who closely link higher fees with skill and professionalism.

In his book “What Should I Do With My Life” author Po Bronson profiles 50 business people. He shows how each made a critical decision that changed the way they earned a living and enabled each to reach their “true calling.”

Based on their accounts, Bronson arrived at this core strategy for achieving personal success: “The single most important step any individual can take is to mine the productive power inherent in enjoying what they do.”

Making a living by doing what you love is great. And getting paid what you want and deserve makes it even better.

The Successful Consulting Proposal – 3 Essentials

Consultants can spend a lot of time writing proposals, and it’s important that time isn’t wasted. Obviously some of it will, as some proposals have little chance of success, and work can’t be reused, but we need to maximize our chances of success as well as follow on work. Here are three essentials.

1) Don’t submit a proposal every time you are requested to. Ask a lot of questions first. Is there a favorite already? What about scope? Is it in your area of comfort? A consultant can spend all their time just writing proposals, and that obviously does no good. You must be selective, even if you really need the work.

2) The proposal must address the core problem the client has. They may be asking for band aid fixes and trying to relieve symptoms. Ideally, you can find the root of the issue and address that. Actually solving problems will get you follow on work, not merely doing what is requested like sheep. Companies have enough sheep; they’re called employees. You are a consultant.

3) Give the client multiple ways to say yes. A proposal cannot be “yes” or “no.” There need to be multiple options. I always make one option the barebones option. This is one that will address the issue with a minimum of work and cost. I always have a midrange option, which offers more value at more cost, and a high end option. The high end option can go way above what was originally requested, and sometimes the client will accept it.

I’ve been consulting for over 20 years, and still am not fantastic with proposals, but I’ve found these three essentials to have enormously improved my consulting business.

Easy Offline Success For Local Business Consultants

Internet marketers who are struggling to earn a consistent monthly income may find a much easier pathway to success as a local business consultant. The great thing about being a local business consultant is that you don’t have to be an internet marketing guru in order to succeed. With even a limited understanding of internet marketing you will be able to help the companies in your local area. It’s a lot easier and much more profitable to work with business owners in your own community to help them grow their profits and build their business using the internet.

Being a local business consultant is one of only a few businesses where you can get started today and honestly have money deposited into your bank account by tomorrow. That’s because your services will always be in demand. Regardless of where you may live in the world, there are certain to be business owners in your area who need your help and will gladly pay you a generous fee to help them generate new customers and earn more money from their existing database. As a local business consultant you only need a few clients to earn a nice paycheck every month.

Some of the basic marketing functions that you might perform for your clients include local search engine optimization, website design, list building, video marketing and more. All of these are simple tactics that most internet marketers perform every day and might even take for granted. Yet, the majority of local business owners have no clue about any of these marketing functions and don’t realize that these are ways to build their businesses without paying lots of unnecessary money on advertising.

Most small businesses have a very difficult time earning enough money to pay all of the necessary expenses to keep going. Most would welcome a local business consultant who can help them and charge a fair fee. Even as a new internet marketer the knowledge and information that you possess about online business provide you with the tools that you need to help business owners in your community and earn a great income for your work.

What Happens During a Rhinoplasty Consultation and How Long Does it Take?

Before you get a rhinoplasty, there is a required consultation that happens before the procedure is done. This is necessary so that your doctor will get a very detailed information on what you need and what limitations would there be, if any, for the nose job procedure to be performed.

A nose job consultation procedure can also help you assess if you are really under the hands of a good plastic surgeon or not. The length of time that it takes to complete a nose job consultation actually depends on your doctor and the measures involved with it. Usually, it takes only a maximum of an hour to get a proper consultation laid out for your rhinoplasty.

The nose surgery consultation is usually composed of procedures which would help the surgeon identify what things can influence the course of your nose job results. Your facial shape and its size will be subject for scrutiny as well as your skin’s thickness and its color. Your bone structure especially around the nasal area and your cartilage will also be considered. This would also help the surgeon clue you in on what could possibly happen with your nose job as opposed to simply expecting the results you have in mind at the moment.

At times, the surgeon may also need to draw some marks on your nose area and on some parts of your face to help them identify which skin are to be affected during the operation.

At the end of the preoperative rhinoplasty consultation, you will receive the details of the results. You will be able to see the photographs taken for purposes of comparing what your nose looked like before the surgery and what changes have been made right after the nose job was done. Aside from the results, the surgeon will also be prescribing to you the do’s and don’ts that you need to follow before your surgery day happens. You should also take this opportunity to ask all relevant questions you feel you need to know. Your doctor will be more than willing to accommodate them for sure.

Online Business – Hiring an Internet Marketing Consultant

Hiring an Internet Marketing SEO Consultant to assist you in your online business is a big step forward towards achieving success online as you are finally admitting that it takes more than just will to get on top of the online market. This may not be good while you are still starting, but the possibility will open up once you have established yourself and with enough resources at your disposal.

Most entrepreneurs would go along well with themselves, doing everything on their own and avoiding getting help due to the expense and time. However, to achieve success in this arena is to humble oneself and get beyond conventions of doing business. You are only one person and it is a savage world out there. Bringing in someone to assist you will definitely ease things up a bit.

Advantages of Hiring a Consultant

Less than 25% of all business owners in the world hire consultants to assist them with the online aspect of their ventures. While this is so, they’re the ones who usually have higher search engine rankings, which means more traffic to their websites. This means that they actually get more chances to earn revenue than those who don’t hire consultants. These are verified truths that can be confirmed by just about every successful online business out there.

If you have no prior knowledge in using keywords, meta tags, and other methods of search engine optimization such as link building, hiring an expert should make things easier and smoother for you. You might already be working with accountants, lawyers, bankers, and so on. Adding an online business expert in your team should not hurt at all, and may even accelerate the growth of your online business.

Hiring the Best Consultant

That internet marketing consultant that you hire better be good since that person will act as your guide in your online business. He will be your link to whatever is happening with your website, so you better be sure that he is on top of things. Trust and respect are what you need to be able to work together or things will absolutely not work out well.

You will need to look at that person’s level of experience to know if he has been tested yet. However, don’t try to dream big by hiring someone who has worked for big corporations if your company is merely a startup. Go for one that is on the suitable level for your current needs.

Make sure to ask for references and be able to contact each potential consultant to find out more on what it is like to work with one. It will also be a good idea to contact previous customers or employers to see if you can actually get a testimonial from them about working with that person.

Marketing for Interior Designers: Building Brand Exposure

Marketing for Interior Designers by building brand exposure. The marketing strategy will seek to first create client awareness regarding the products and services offered, develop that client base, establish connections with targeted markets and work toward building client loyalty and referrals.

4 Interior Design Marketing Strategies

It can be a challenge for people working in interior design to gain recognition with customers seeking their specific services. Why?

Traditional marketing methods such as radio or print ads aren’t usually as effective as they are for people offering more widely-needed services or homogenous goods. And,Guest Posting while word of mouth is a great way to build business, it’s not likely going to be enough to make your design business profitable.

If you want to boost your brand awareness and exposure, you first need to define and market your brand the right way.

What is Your Brand?

Famous entrepreneur and blogger Seth Godin said, “A brand is the set of expectations, memories, stories and relationships that, taken together, account for a consumer’s decision to choose one product or service over another.”

In other words, your brand is people’s perception of your business. How do you want your brand to be perceived? Maybe you specialize in high-end, luxury decor. Or, perhaps you excel at maximizing small condo spaces or staging homes for sale.

Marketing for interior designers is based on defining your brand based on your specialization. Look at your clients, your style of decorating, whether you specialize in residential or commercial properties – whatever it is that sets you apart from the competition.

What’s the Difference?

Speaking of differentiating yourself from the competition, part of effective marketing is looking at what other home design companies are doing, and what they’re not. For example, if the design companies in your area focus on creating “elegant” or “trendy” homes, why not focus on the fact that your projects often come in under budget?

Don’t forget to have some facts to back up your claims, such as testimonials or percentages. If you’ve won awards or other accolades, why not mention those? Anything you can offer clients that sets you apart will help get your brand get noticed.

What’s Your Brand Experience?

Your interior design marketing strategies should focus on immediate recognition by potential clients. Visual branding is a key part of your brand experience, including your:

• Logo: From your business cards to your invoices, this is often the first thing people will see. Work with a graphic designer to create a logo that reflects your brand and looks equally amazing on a small image or a big banner.

• Images: Obviously, high-quality images are a necessity to market your home design company. You’ll want to showcase your work in your portfolio and any other images you’ll be using on your website or in your marketing materials.

• Colour scheme: Marketing for interior designers centres around colour schemes! Fortunately, you know all about complementary colours and probably won’t need much help coming up with them. Remember that colours evoke people’s emotions and feelings and choose ones that set the mood for your business.

Take a look at the Italian textile brand Basetti Home Innovation’s colour palette. They use a set of primary and secondary colors to convey innovation, novelty, bravery and freshness.

• Font: Your typeface also affects your brand experience. Too many companies make the mistake of using a huge array of different fonts across their marketing materials. Choose your header and copy fonts and keep them consistent. Stick to no more than two different fonts to represent your brand.
How Do You Share Your Brand?

Now that you’ve done the work to create and differentiate your brand, it’s time to share it! You’ll want to have a consistent website, business cards and perhaps brochures or handouts for trade shows and other events, as well as social media accounts.

Most businesses focus on Facebook and Twitter, which is a great idea for any business. However, as a home design company you have an ideal opportunity to utilize image-focused social media platforms. Research has shown that visual content by drives the most engagement by far, so explore sites such as:

• Pinterest, which has categories like Home Decor and Design trending
• Instagram, which is based on sharing image-centric content
• Houzz, a huge online community where people go to improve and design their homes

Building your brand and boosting brand awareness is an ongoing project, not a set-it-and-forget-it proposition! Think about the experience you want your clients to have every time you post an image on social media, display your logo on a sign at an event or update your website.

This is why working with a professional branding and graphic design company can make all the difference. Your logo and business branding materials will uniquely distinguish you from your competitors, giving you a competitive advantage above others that lack these critical components of business.

What are the top cell phone case brand

Nowadays, mobile phones protective case have been enjoying a great popularity over the world, which are not only unique, creative, but can protect your phones. Like mobile power,the cimitations are flooding, not to mention the design and quality making your mobile phone unique.

So,Guest Posting what are good cell phone protective cover brand? each brand has its unique design and product features, onu-mall selected ten more representative phone case brand:

1.MOMAX Batteries & MOMAX from Hong Kong is well-known professional manufacturer specializing in mobile phone peripheral products, the mainland brand agents is Shenzhen momax Company Limited. MOMAX brand, founded in 1999, mainly produced mobile phone accessories, such as batteries, headphones, line charge, charger, car charger, screen stickers, leather and crystal phone case, card reader, etc. Products with high quality as the core requirements and beautiful appearance, good usability, constant innovation breakthrough and have won an excellent reputation in Hong Kong, Taiwan, Southeast Asia, Europe .

2. CapdaseHong Kong’s leading accessories brand, digital peripheral products professional firm, top ten protective case brand, the industry’s most influential brand. CAPDASE has been based on rich 3C peripheral products with its own unique creativity for consumers. Its products in appearance and workmanship are not only unanimously approved by the majority of consumers , but have unique performance in security and practical.

3.GGMM Shenzhen Cyangugu Mimi Industries Limited,the world’s leading manufacturer of digital accessories,China’s leading brand in the field of digital accessories, highly competitive market brand. The company has GGMM /ivso two independent brands, products include iPad, iPhone, iPod, Mac and other Apple products,phone case, accessories and other peripheral digital products.

4.Acase US professional digital accessories brand, the famous digital protection products welcomed by the consumers, China Agent: Shenzhen Yuandongsheng Trading Limited. Acase’s mobile phone case, tablet computer peripheral products in the European and American has been stepping to China, the product is still based on Europe and practical style. For Acase terms, 3A criterion is its eternal pursuit: A + design: A-level design, A + quality: A class quality, A + Service: A class service.

5. OZAKI As Apple’s authorized third-party accessories brand, OZAKI has been enjoying worldwide marketing in more than 80 countries,it has been focused on accessories worldwide marketing of Apple’s iPad, iPhone, iPod over years to provide users with the best, making life wonderful and funny. By virtue of creative phone case design and excellent product quality, OZAKI has won the recognition of consumers, has awarded the best brand by Macworld iWorld Asia for three consecutive years.

6. Benks Benks, founded in 2008, is a digital creative fashion accessories brand. Products include protective film, protective phone case, protective holster, mobile power supply and so on, convinced that ideas can change lives, and strive to provide users with high-quality digital accessories. Benks’s best-known product is tempered glass screen, but are also actively making efforts to research and develop the protective case.

7.FeelymosA brand dedicated to film, among high-end products,Feelymos product line is very rich, involved from the protection class to the electronics, also introduced a variety of protective case and protective cover products in 2013, these protective cover are quite creative products, superior quality.


ICON is a newbie in the accessories market, is the Shenzhen micro-Information Technology Co., Ltd. own brand, the flagship product are 3C digital accessories: mobile power, protective phone case, automotive power,based on security and belonging, and the pursuit of self-perfection.


BASEUS is a stylish, vibrant 3C digital accessories brand, is a part of a Hong Kong Limited based on free international metropolis- Hong Kong. Whether the product shape, color matching, function, or fine packaging are quite creative, charming design.

10. MOFI

Headquartered in Fuzhou Jinshan Industrial Zone in Fujian Province.The first protective sleeve case has been popular with the large number of mobile phone case and mp3 owner. Of course, there are some famous brand on the market including Moshi, Locke ROCK, X-Doria, the above-mentioned these ten brands are well-known phone protective case available on the market, they combined with quality, taste, personality, fashion, art are excellent brands of mobile phone accessories.