Why Businesses Need to Get Ahead With Credit Card Chip Technology

Forget the fact that the transition’s happening right now as we speak. Forget the fact that even consumers are a bit wary despite the fact that there are these reasons why people shouldn’t worry. The new credit card chip technology, EMV, is coming. It most definitely will stick. It will stay. And while it’s going to be a long transition (imagine how many stores in the entire nation will have to be fitted with these new credit card reading machines), and card companies will be slowly rolling out these new bad boys, the fact of the matter is this — businesses are straggling to catch up.

That May Not Necessarily Be a Bad Thing, However….

It just so happens, though, that the new cards (for those who don’t have them) will be functional bothcredit card chip technology-1 ways, just to ensure that there are no problems. That means your magnetic stripe credit card might already have a microchip installed already. However…. Businesses need to get ahead right now given the fact that Visa and MasterCard have officially renounced any accountability for credit card fraud.

What does that mean? That means you, the business, will be solely responsible for compensating a customer who’s suffered from ID theft. Not something you want to deal with.

The Fact Is Credit Card Chip Technology Is the Wave of the Future

Only a quarter of merchants in the country have the readers built-in and operational to run the new computer chip credit cards. The technology’s safer. It’s been proven in other countries; sadly, the U.S. is the last to convert.

As a support and due diligence to your customers, we make it a point to invest in the technology and get yourselves ready for the transition before you lose out on more of your resources due to credit card fraud and such. It’s still a big game-changer as far as white-collar crime is concerned. So don’t hesitate. This is the name of the game for business these days.

You Need Help Managing the Finances of Your Business?

Cloud Based Bookkeeping can do it. We’re consultants. We have access to the resources you need to protect your funds, your sensitive information, your taxes. Everything. Even when it involves this new credit card chip technology. Visit our Google+ page as well and then sign up today!

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3 Reasons Why You Shouldn’t Worry About Your New Chip-Enabled Credit Card

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Transitions are never fun: maybe you’re looking to buy a new home in this growing real estate market, or you’re fixing to enroll in school for another degree. Changing jobs maybe? What with the fluctuating economy, whatever decision you’re going to make is about the equivalent of stirring up a hornet’s nest. Such is the case with this massive yellow jacket of a transition: chip-enabled credit card technology, also known as EMV. And as of this past October, guess what — you’ll very soon be forced to use these new type of credit cards.

Fear Not, Though, and Don’t Be Frightened — Chip-Enabled
Credit Card Technology Won’t Sting

chip-enabled credit card-1

Aside from the fact that the U.S. is at the moment the last country on the planet to use the old-fashioned magnetic strips you find on credit cards (Europe and other countries utilize EMV religiously, along with PIN identification for further prevention of ID theft and credit card fraud), you have three reasons to believe that everything should be okay as the commercial industry, specifically regarding credit cards, will do just fine with this new chip-enabled credit card technology:

And that’s just the start. There will be numerous other benefits associated with chip-enabled credit card technology as EMV continues to flourish and dominate the spectrum.

The Best You Can Do Is Be Prepared

Those credit card companies won’t spring the new cards on you while you’re not looking, just so you know. It will be a transition, not a big surprise. But a good transition at that.

Want to know more about what’s headed for finances? Sign up with ITPN, perhaps; of if you’re a home renter, you might want to enroll with Assisting Renters. Be in the know. And be prepared.

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Why Bankruptcy Filings Require Credit Counseling Approval

This is honestly why credit counseling and credit repair are so important to us. It’s considered the first step to remedy disaster — and the disaster can come in many forms…. Identity theft, lack of bookkeeping resources, lack of legal assistance even! The list can go on and on. And while bankruptcy filings can solve plenty of issues, we always go with credit repair as the main source of success to avoid any clean slate. Having a bankruptcy on your credit report isn’t exactly a shining gem, a question you should have in your repertoire of questions for any credit counselor.

The Law Actually Requires That You Attend a “Briefing” With a Credit credit counseling-1Counseling Agency, Believe It or Not

And for good reason. You need to know for sure what you’re going to be facing in the event of your bankruptcy filing, regardless of whether or not it’s going to be a Chapter 7 or 13. While you may get that clean slate, make no mistake: it’ll be just as easy to let your budgeting and money management fall by the wayside and get back into the same situation of financial failure and credit counseling that brought you to the legal side in the first place.

That briefing will be your instructional course on personal finance coordination, something the Income Tax Planning Network could assist you with — and this is crucial to consider before your debts are ever discharged. Once you’ve completed the course, of course, you get that sign-off you need as mandated by the law to go through with the bankruptcy filing.

Brings About an Important Point You Have to Keep in Mind

Bankruptcy isn’t supposed to be a “way out.” It’s an option. For some, it may be the only option. It’s, for sure, never a crutch; and it never should be. So you always want to be sure that if you’re faced with the option for bankruptcy, make sure through credit counseling that it is, indeed, your only option!

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Finally, a Review on the HOPE Program: Long Time to Wait

The irony here at the Complete Real Estate Site is that we here haven’t even given the goods on this well-known organization known as HOPE Program, and in all honesty, that is a travesty. This is largely due to the case that the H.O.P.E. Program can largely be considered the man behind the curtain, the Wizard of Oz, if you will, of real estate assistance. So you don’t really get to hear much about what H.O.P.E. to Own does. Until now.

Why the HOPE Program Has Earned That Star-Studded “A” Rating From the BBBHOPE Program Wizard of Oz

Let’s just start with that for a moment, shall we? This is a program earning such a prestigious rating from the Better Business Bureau. Right about here, we can actually stop the writing and you can stop the reading from here and out, because that alone should be reason enough that the HOPE Program knows what they’re doing.

But you’ve got to know, wholeheartedly, this important fact: you need to know what they do as well. As usual, we’re all about knowledge here, and with an acronym like H.O.P.E. (Home Ownership is Possible with Education), the HOPE Program certainly feels the same way, as they should. Knowledge is power. And in the real estate industry, power is absolute.

The Verticals of the HOPE Program

Assistance, affiliations, referrals, and partnerships: that’s what the HOPE Program focuses on. They steer clients in the right direction, ensuring the ultimate goal — home ownership. It doesn’t matter if you’re seeking a bookkeeper or a tax preparer, or maybe you want some help with credit repair. Perhaps you’re considering something along the lines of identity theft protection, or you’re hoping to find a consultant for a rent-to-own home. The ultimate endgame is simple — home ownership.

  • Credit Repair
  • Identity Theft Protection
  • Consultancy
  • Finances
  • Home Renting Resources
  • Real Estate
  • College Education

Yes, you can even get assistance toward advancing your career through job portals like National Jobs Online, or grants and scholarships for going back to school. It’s obvious: the HOPE Program doesn’t play around. They’re in it for success for all who end up on their books, and their goal is successful home ownership for anyone interested in that very concept of success.

So Better Late Than Never, Right?

Like we said, though…. Aside from that “A” rating, the people at the HOPE Program really only care about one thing — you. And as far as we’re concerned, that’s more than just an “A” rating in our books, whether you’re a home seller, home renter, or prospective homeowner. Needless to say, when we’re done going through the steps of the HOPE Program, we’d all be chanting in unison the words “there’s no place like home, there’s no place like home.” Guess what, folks: you’re home. With HOPE.