Monthly Archives: April 2013

iPhone & iPad Users To Get Google Now, As It Comes To iOS

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Previously Android-only, Google’s “predictive search” tool Google Now is now available for the iPhone and iPad. It’s part of an updated Google Search App for iOS.

Google Now for iOS had been anticipated since March, when Engadget discovered a promotional video suggesting it would make the leap. Until its release this morning, Google Now had been available exclusively on devices running Android 4.1 (“Jelly Bean”) or higher.

We’ve written multiple times about Google Now in the past. But, if for some reason you’re unfamiliar with it, Google Now is the company’s “search assistant,” offering “predictive” or “anticipatory” search by combining dynamic contextual information with structured data, presented on nicely formatted “cards.”

Danny Sullivan has written a companion article, The Amazing “Google Now” — When Google Searches Before You Think To, which provides additional background and a reintroduction to the service.

The images immediately below are screenshots provided by Google illustrating how Google Now results will look on the iPhone — essentially identical to the Android version.

Google Now for iOS Image 2

Google Now cards offer information on traffic, weather, sports scores, nearby places, currency conversions, movie showtimes, package tracking and considerably more. It’s a growing list of categories and data sources. Google Now will even prompt you to continue searching on previous search topics (e.g., flights to Kona). The chart below shows the full range of content and information available via Google Now.

Because we didn’t get early access to the app, we don’t know whether Google Now will operate differently on iOS vs. the Android version. It’s a safe bet, however, that you won’t be able to “swipe up” from the bottom of the iPhone (or iPad) screen to launch Google Now. (But, see postscript below.)

As a general matter, in the iOS version, Google Now will provide essentially the same content and functionality that Android users have been enjoying. The major difference is that the full range of information “cards” won’t be immediately available for iOS. We understand they will eventually come over, however.

Google Now comparison iOS vs. Android

Source: Google

Google Now is a compelling product and has improved since its launch last year. It also illustrates how the future of search will be different from its past. The combination search/Web history, data and context enable Google Now to give users lots of personalized information about lots of things without having to ask for any of it.

Back in 2010, Marrisa Mayer (then at Google) was promoting the idea of “contextual discovery,” which would “push information to people” based on their location and what they are doing. Before that, in 2009, she was talking about “the perfect search engine” as one that would have a more holistic understanding of user needs and would be able to deliver data or content in an “informative and coherent way.”

Google Now embodies both of those sets of aspirations. However one question is whether iPad and iPhone owners will actually use it.

An online survey I conducted in June of last year (n=503 iPhone 4S owners) found that most people either searched from the Safari toolbar (using Google as the default engine) or went to on the mobile Web. Just under 20 percent of respondents said they used the search app.

Which of the following do you use MOST OFTEN to search the web on your phone?

  • I visit Google.­com to search: 44.9 percent
  • I use search in the Safari toolbar: 26.4 percent
  • I use the Google mobile app: 19.3 percent
  • I use Siri to search the web: 11.1 percent
  • I use Bing and/or Yahoo: 6.6 percent

These survey responses shouldn’t be seen as definitive, but merely indicative, that most iOS users don’t currently use the search app as their primary way to access Google. In that context, Google Now for iOS can be seen partly as a bid to get iOS users to both sign in (which is a requirement) and search more.

Beyond all the “under the hood” capabilities, Google Now translates the otherwise basic mobile search experience into a richer and more dynamic app-based experience.


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Social Media Marketing in Times of Tragedy

Boston-BombingBy: Marsha Friedman

If you’re using social media for marketing, what should you say following a tragedy like the deadly blasts at the Boston Marathon on April 15?

The horrific elementary school shootings in Newtown, Conn.?

The October storm that took lives and devastated communities across the Northeast?

Sometimes, nothing at all.

The age of digital marketing brings with it new challenges, including how to respond during a national tragedy. Remember, as recently as Sept. 11, 2001, we had no MySpace, much less Facebook, Twitter or YouTube. Except for email, no vehicle for delivering instantaneous marketing messages existed. After 9/11, one of the most painful days in American memory, most of us had time to pause, reflect and put on hold print, radio and TV marketing campaigns that might be viewed as inappropriate or offensive.

In recent months, there has been lively debate on this topic in the marketing community, including how and when to tie – or not to tie — a marketing message into the news of the day, a  widely used strategy.

Gaffes can occur with the most innocent of intentions in any media content, marketing or not. Earlier in April, a new episode of the musical comedy “Glee” upset and angered parents in Newtown, Conn., because the plot featured a student bringing a gun to school, where it accidentally discharges.

“A lot of people were upset about it and that I feel horrible about,” Jane Lynch, one of the stars, told Access Hollywood Live days later. “If we added to anybody’s pain, that’s just certainly not what any of us wanted. … We’re always rather topical and rather current.”

Usually, however, simply applying your own sense of decency and good taste can help you avoid a blunder. Consider American Apparel’s notorious “Hurricane Sandy Sale – in case you’re bored during the storm,” advertised as tens of thousands of people endured freezing temperatures without power. Most of us wouldn’t have even considered such a ploy!

Here are a couple more suggestions for do’s and don’ts:

• If you use automated posts scheduled through a site such as HootSuite, turn them off immediately. If people don’t find them insensitive and uncaring or silly, they’ll likely conclude your messages come from a robot – not a real person – which is just as bad.

 Can you be helpful? Hours after the blasts in Boston, with cell phone service out in the city and family and friends desperately trying to connect with loved ones, launched “Person Finder: Boston Marathon Explosions.” There, individuals and organizations could share information about the status of marathon participants and spectators for those trying to find them.

If your community has suffered a tragic event, perhaps you have helpful information to share. Here in Florida, which is affected by hurricanes, people use social media to help evacuees and their pets find shelter, and to alert others to danger, such as downed power lines. Depending on your area of expertise, you may be able to provide more general information or commentary. For instance, an educator can share tips for answering children’s questions about the event. Philanthropists might comment on those selflessly step up to help.

 Of course, social media is also about reactions and, for many, that’s a sincere expression of sympathy for and unity with those affected.

If you want to post something and you’re unsure about what to say, take a look at what businesses and other brands are sharing, and how online users are reacting. You may decide to just say nothing for a day or two, or whatever time seems reasonable given the nature of the event.

Sometimes, saying nothing at all speaks volumes.

About Marsha Friedman

Marsha Friedman is a 23-year veteran of the public relations industry. She is the CEO of EMSI Public Relations (, a national firm that provides PR strategy and publicity services to corporations, entertainers, authors and professional firms. Marsha is the author of Celebritize Yourself and she can also be heard weekly on her Blog Talk Radio Show, EMSI’s PR Insider every Thursday at 3:00 PM EST. Follow her on Twitter: @marshafriedman.


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Best IPad Apps For Small Businesses To Achieve Success

Apple’s iPad is gaining phenomenal popularity among business people. The state-of-the-art tool allows people to run small companies and an endless stream of chores on the go. The glamorous gadget has made it possible for people to control corporate strings, anytime and from anywhere.

Thanks to the assortment of apps available, the busy entrepreneur does not have to run to the office to accomplish the smallest and simplest of tasks. There are so many iPad apps that one is absolutely spoilt for options. In order to make the most out of them, the trick is to find the right app and get the job done without hassle.

The following is a list of apps that promises to help a business grow. They have been specifically designed to increase a business’ productivity and breathe life into the idea of a virtual office. A lot of these apps are available for iPhone as well. Since updates in technology are commonplace, it is recommended that you read an app’s details to make sure if the current version can meet your needs or not.

Intuit GoPayment

This out-of-the-box app allows you to accept payments from credit cards through your iPad. The app comes with a free card reader. The transaction fee is quite affordable as well.

 GoodReader for iPad

Available for $3, this app is one of the most celebrated PDF readers for the gadget to date. An individual no longer needs to carry a bundle of catalogs and brochures along. Why not show everything in PDF format on your iPad instead?

Analytics HD

Checking your website’s analytics is now easier than ever before with this app. You can check your stats on Google Analytics anytime on your iPad. The app is available for $6.99.


The app comes with a 30-day trial offered absolutely free. It facilitates business owners to manage and control all sorts of sales operation. If you are satisfied with the trial version, you can get the paid version for a reasonable price for more comprehensive features.

WebEx For iPad

Are you sick and tired of going to those business meetings? Now, you can participate in a meeting virtually without leaving the confines of your home. This free iPad app allows you to attend meetings on your gadget.

RDP Lite

How about accessing and viewing your Windows Vista, Windows 7 or XP Professional workstation right there on your tool? It would look exactly as you are working on your desktop. Amazing, isn’t it? This is what the RDP lite has to offer. The app is offered for free but a paid version with additional features can be acquired for a mere $5.99.

Dragon Dictation

Calling your secretary each time you need to dictate a note can become annoying. How about an app that gives you the ability to visualize your speech as text? As soon as you speak in your phone, the app converts your words into text. You can then use the text as an email or update you status on Twitter or Facebook.

Get your hands on these remarkable apps and run your business the smart way.

Mark is working as a business consultant in Irish holding company and offshoe formation sector of Chesterfield Group


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The Key To Happy Customers

Happy pretty young girl with friends in the backgroundIf you want your business to do better, you really only need to have one thing: happy customers. While customers in general will support your business, happy customers, the ones that are completely satisfied with your service, your products, and the experience you offer, will make sure your business succeeds beyond your wildest expectations. If you’re looking to put a few smiles on some customers, here are some tips you might find useful.

Don’t Bombard Them

Happy customers also mean satisfied customers. They’ve received the information they needed from you, nothing less and nothing more. While more content, more deals, and more emails might sound like a good thing from a business owner’s standpoint, you have to consider the perspective of the consumer. Most likely, you’re not the only business they’ve subscribed to. This means that in addition to your one or two emails per day, they’re also receiving emails, status updates, texts, and seeing advertisements from various other businesses. The last thing you want to do is be the business that goes overboard because they won’t hesitate to unsubscribe from your updates.

After you’ve gained a new follower, like, email subscriber, or blog reader, thank them for their support and then give them some space. You’ve captured their attention, which means they’ll be more aware of the amount of content you send their way. If that content is too few and far between, they can quickly forget about you. On the other hand, too much content can be overwhelming, annoying, and misinterpreted as lower quality. None of these bode well for your business development purposes.

Instead, find the right balance between the amount of content you send out and the time you send it out. Sending out smaller amounts of the right content at optimal times means that you have a higher chance at the success of that email, blog post, status update, or otherwise.

Ask For Feedback

If you’re sensing that your customers aren’t happy or you’d like to find ways to improve their experience with your business, the simplest way to find viable data is to simply ask them. That’s right; your customers partially hold the key to their own happiness. But it’s your responsibility as a business owner to unleash that insight and analyze it.

You can ask for customer feedback a number of ways. The most obvious is through online surveys. But this requires asking the right questions in the right format. The trick is to figure out what you’d like to know the most and then ask it in the simplest way. For instance, if you’d like to find out how your customer service team is doing ask how customers would rate their experience when deal with them. Asking for an answer on a number scale like 1 being the best experience and 10 being the worst experience would make the question even simpler. Also, try asking the question again but in a different way. This gives you more data to base your analysis off of. For a similar question to our previous example, you can ask how likely your customer is to recommend the customer service team. Again, use a numbered scale for easy answering.

You can also request feedback through social media, email newsletters, and posing questions at the end of blog posts on your website. Engage your customers and have them take interest in making the business they patronize better for their own benefit. You might want to offer deals, discounts, coupons, and other prizes for those who fill out the surveys. This will generate more interest, giving your surveys a variety of people to request feedback from.

Offer Occasional Deals

There are only a handful of companies that can get away with not offering any deals to their customers, but those companies have spent decades building up a reputation to do so. Apple, for instance, is know for it’s incredible customer service and top-of-the-line products, so customers are happy even though they almost never get a deal on a new mac computer. However, the rest of us have to find a way to compete and keep our customers coming back.

Offering deals, exclusive memberships, coupons, discounts, or another type of content is a way to reward your customers. Don’t think of offers as giving money away, think of it as an investment in the happy customers you’ll make along the way. You could either start with small offers to get your customers buzzing or go for a great big sale or deal to get them really excited. Afterwards, you will have established long-term relationships with many customers that might even do some word of mouth marketing for you. Offer rewards every now and then to keep customers looking forward to coming back into your store or onto your website.

Turning regular old customers into happy, satisfied customers means your business can do more and more. Instead of worrying over the perfect product, the perfect website, or the perfect Twitter account, worry yourself with how to make your customers smile every time they think about your business. Happy customers like that will keep your business alive for years to come.

Pete Wise is a copywriter working for Luminar Insights, a source of hispanic data. When I’m not writing articles, I’m posting to my LinkedIn page.



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The Secrets To Dressing For Success

dress_for_successLawyers of all shapes and sizes, from all walks of life, practicing in various industries, and regardless of whether they’re a female or male need to know a thing or two about dressing for success. It doesn’t matter if you’re already an associate or you’re just finishing up law school, these tips will apply to interviews, company mixers, and your every day job.

Many people like to avoid dressing for success because they believe their skills and their talents should speak for themselves. And this is absolutely true. But you shouldn’t think of dressing for the job as a means of vanity. Dressing up, playing the part, and looking sharp while doing so is about coming off as confident, put-together, and intelligent. That’s right, the clothes you wear and the way you wear them can influence how others perceive you. And to lawyers who must constantly sell themselves to clients and sell their clients to juries, there’s no better way to make an air of distinction than with a great suit.

Here are a few secrets on dressing for success. You’ll look good, but you’ll feel good, too.

If The Shoe Fits…

A common mistake many people make when picking out clothes is not knowing their size. You might pick out a slick $5000 suit, but if it doesn’t fit right, you might as well be wearing a potato sack! Size plays a major part in dressing up for the job, so much so that it can make a cheap dress look great simply because it fits correctly.

If you’re unsure about your size, go to a tailor and get measured. Many department stores even staff their own tailors who are always available to make measurements. After you have a couple numbers to work with, the most important thing is to not be ashamed of them! If you think you’re too big or too small, it really doesn’t matter once you’ve got the outfit that fits right.

Talk to a personal shopper or a retail associate about finding colors that look best on you, styles that fit your body, and trends you can own. Stripes look good on just about everybody, and so do neutral colors like navy blue. You can’t go wrong when you have a few of these essentials in your closet.

It’s Better To Be Overdressed Than Underdressed

We all have this image that lawyers are always dressed to the nines, making sure to have their suits dry cleaned and their shoes polished. In reality, only a small percentage of lawyers dress so extravagantly. The rest of us might work in more relaxed settings where a full suit and tie isn’t necessary; maybe just some khakis and a nice sweater. While this might be perfect attire for the office, it’s not necessarily perfect attire for meeting with clients.

You know better that not all lawyers wear Armani suits, but your clients will be expecting someone with an air of confidence, someone who can fight their case like it was their own. Khakis and a sweater might not inspire that kind of confidence. The moral of the story is that you should always dress up, even when your office lets you sport a more relaxed feel.

Afraid of being overdressed? The old saying, “It’s better to be overdressed than underdressed” starts to ring quite true here. People might scoff at a person in ripped jeans and white t-shirt, but they’ll almost never second-guess a person in a sharp suit. When it comes to your job, you really can’t ever be too dressed up. So iron those shirts, fix up those blazers, and make sure you look presentable no matter where you’re going or whom you’re meeting with.

Have Personal Flair

There are a lot of business fashion trends right now. Pointy-toed heels are in for women, striped suits are starting to make a comeback for men, and so on. But no matter which styles you like the best, remember to always have a little personal flair accompany your outfit. Whether it’s a tie, a fun watch, or your favorite necklace, making the outfit “your own” will sell it all the more.

Be careful not to over accessorize or stray too far from social norms. Even if you’re a little bit ahead of the fashion trends, stick to mostly modern clothing and keeping it subdued. You’re in the business of helping others, so you should never wear an outfit that steals the spotlight for yourself.

From job interviews to networking events to client meetings, you never know how people are going to perceive you. Therefore, you should always set out to make the best first impressions possible by dressing for success. Wearing clothes that fit, are considered “dressy,” and have a little bit of a personal touch are a safe bet regardless of what your schedule looks like.

Pete is a blogger working for Cecil & Geiser. When I’m not posting to my Facebook page, I’m assisting the columbus injury attorneys in my office


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Planning A Business Function On A Budget

A business function is a great way to meet potential new clients as well as showing the ones you already have how much they are appreciated. Alternatively it could be a great way to show your staff a well-earned good time and pay them back for the hard work they do for your company.

Either way though you need to ensure that you don’t go overboard and lay on a lavish evening when you really can’t afford it. Times are tough for businesses all over the world at the moment and therefore you will probably wish to put on a pleasant event without breaking the bank. Here are some great ideas for planning that all important business function on a budget.

Guest List –

If you are trying to keep the costs to a minimum then this often depends quite a bit on how many people attend your event. You will obviously want all the important people to be there but you may want to consider whether you allow them to bring their partners or not. Making it a function solely for them is a great way of cutting your guest list in half nearly and will mean you can do more networking as they are more likely to mingle whilst away from the comfort of their respective plus ones.

Entertainment –

At these types of events entertainment usually comes in the form of music but this is also the perfect place to keep costs to a minimum. Consider foregoing a DJ and arranging the music yourself with the help of some speakers and an MP3 player. With the technology available today you should be able to pre-set the music you want and allow it to play through without being continually monitored.

If alternatively you want to impress and entertain your guests with some live music then you could cut costs by only having the band play for a short while. Jazz music is great to have in the background at these formal occasions and jazz band hire will look the part without breaking the bank.

Food –

Although the catering is one area where you can afford to limit costs somewhat; it is important that you still put on a good spread or your guests. The last thing you want is for potential business partners to be leaving your function with a bad taste in their mouths, literally. For most occasions you should be able to get away with a simple buffet but try not to scrimp too much on the quality of the food. It is better to have less food of a high quality which people will love than loads of tasteless food which will leave people wishing they had eaten before they came out.

The Business Potential –

Ultimately the best way to ensure that your function is financially viable is to make sure you get some future business as a result of it. Therefore you should mingle as much as possible and try to spread the word about your company; gaining new contacts as you go. If you end up gaining a couple of yearly contracts from the event then the money outlaid will definitely be worth it.

Featured images:

Chris Mayhew understands the need to budget everything effectively within a business. He is working on behalf of Sax and Honey who are a professional jazz band available to hire for weddings and business functions.



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Prevent Sickness and Injury in the Workplace

workplace injuries 2-resized-600When the seasons change,  organizations take a hit with employees calling in sick left and right. It’s easy to catch a bug when working around large groups of people. Depending on the building’s layout, ventilation system and tidiness, there are many variables which contribute to everyone’s health.

According to the Center of Disease Control and Prevention, the flu epidemic is unpredictable but tends to show its face and effect in the fall. When the weather starts becoming colder, people start spending more time indoors. People in close working environments tend to eat lunch at their desk and take less breaks, hoping to avoid the chilly weather outside.   Some  say the best solution is to simply ‘take more breaks & do less work’.  This approach is not the solution that most employers were looking for but, it may actually have some merit.

To work to maintain productivity and healthy workers, here are some tips to prevent catching the flu or any other illness in the workplace.

  1. 1.     Vaccination.
    When it comes to the flu, getting vaccinated is generally seen as the most effective precaution one can take. The flu has been evolving and changes from one year to the next. It is important to get the vaccine every 12 months to protect yourself from the most recent form of the flu. Most workplaces have free vaccination organized for the employees. The more people who are vaccinated, the less likely the flu will spread.
  2. 2.     Stress
    Another way to prevent illness is creating  an active and stress free environment at work. Offices that involve regular physical activity increases the immune system and decreases stress. Moderate physical activity for at least 20 minutes a day or intense activity for 30 minutes a day can make a big difference. Having positive relationships with coworkers also decreases stress. Outside variables such as cigarette smoking, poor diet and lack of exercise also affect a person’s stress level and general well-being.

The Cost of the Flu on Business
Sick leave is a financial issue that every organization has to deal with. It is extremely costly to pay for employee who take the sick leave. The flu alone costs businesses $10.4 billion in costs. Even employees don’t want to take the sick leave as a recent study conducted in Australia shows that on average, 88% of employees who attend work whilst sick are less productive.

Work and Injury

Work-related injuries are common and a threat, whether you work in an office or on a building site. In Western Australia alone, roughly 68,500 people experience a workplace injury in the past year. Interestingly enough, most injured workers are men. Workplace health and safety programs are common among all businesses to prevent these injuries from occurring. These programs remind employees of hazards and ways to prevent illness and injury. Keeping office exits and nearby traffic zones clear decreases the chance of a future workplace injury from occurring. These guidelines should be implemented into a workplace health and safety program.

One of the most effective ways to prevent illness and injury in the workplace is forming  a clean and organized environment. A clean office place can also give a professional image that serves its occupants.  Organizing clutter at workstations can create a more productive environment. In reverse, lack of dusting can lead to airborne dust and in return,  ignites allergy symptoms in workers.

To maintain cleanliness and in extension a healthy environment, professional movers can be brought in to move or take away large, heavy objects like furniture or boxes. Having surface cleaners at hand motivates employees to clean up after spills and crumbs. Common areas are hot spots for germs and can easily be safe by cleaning regularly. In some instances, it is best to leave these large and detailed jobs in the hands of professional cleaners.

Sharon Freeman is a professional freelancer who writes and about cleaning services and reviews companies such as


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What is a Business Postcard and Does Your Business Need One?


Every business owner knows that marketing is crucial to the success of your business. However, like most business owners in today’s tight economy, marketing budgets are smaller than desired, and what you do purchase must have a real impact on the potential client. Selecting marketing material that will set your business, service or product apart is what will give you an advantage over your competitors. It must be something memorable, it must be something colorful, and it must be something affordable.

The 4×6 Inch Card

One of the most effective and affordable marketing tools available are 4×6-sized cards. These postcards, created in full color and printed on a very high quality stock, can be used to pass out to potential clients in place of a business card, mailed out to potential clients, or used as a insert in local newsletters and publications.

The larger format cards can be designed to include pictures of your business, your product or the effects of your service. Offering so much more space and creative potential than a business card, they have multiple uses.

The Possibilities Are Endless

Every kind of business can benefit from these marketing tools. Photographers and art galleries can create beautiful postal sized cards to showcase works of art that are available or important gallery openings. Real estate companies can use them to promote their office or their sales reps. Retail centers can create beautiful 4×6 cards to distribute to promote special sales or new inventory.

The Results Are Fabulous

Standard business cards are a great reminder for people that want to use you for business in the future. However, postal-sized cards give the potential client a visual of what to expect from your company and it stimulates all of their senses. When their senses are stimulated, as any good marketing professional knows, people are more likely to react positively with a purchase because they want to fill the desire they have created within themselves for the product or service.

Better Marketing Budgets

From the financial aspect of marketing, mailing cards create a way for businesses to reach a large amount of people with a very limited cost. All businesses need to watch their advertising budgets, and using 4×6 cards can help these businesses meet these goals.

Postal cards can be printed in any quantity, with large amounts receiving better prices. Because they are easy to design and simple to produce, they can also be changed often to continue to meet the needs of the business. Once you have created a card, you are not “stuck” with that design. You are free to change it as often as necessary so that you always have the highest results from your efforts.

All businesses from every industry can and will benefit from using 4×6 cards to market their business. In fact, once you see the incredible results you receive from this marketing tool, you may wonder how you were ever successful without them.

Using postcards to help advertise her own art business, Ann Bailey relays these marketing tips for other small business owners. The online ordering company, Signazon(dot)com, offers easy set-up and design templates for quick card design, and takes care of all production so your company’s professional 4×6 advertising cards come ready to mail.


Photo Credit:


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What’s The Right Credit Card For My Business?

gty_credit_card_choice_kb_130405_wgA number of credit card providers have been really aiming at including small businesses in their product line. For new, small businesses this can work wonders as it is a lot easier to get a credit card than a loan from a bank.

Of course, there are dozens of choices available and this can often make it quite hard to choose a specific card. The best way to evaluate the sort of card that’s best for your business is to take a look at its spending habits. Different businesses have different spending habits, depending on the sort of business they have.


Consider if you plan on paying the balance over each month, or whether you will pay it off with time and want to pay the minimum payment. If you do decide to carry the balance then you will need to take a look at the annual percentage rate, as this can end up being quite costly for business if it goes wrong.

For those that wish to carry their balance and also have good credit, take a look to see if you can get a 0% credit card, as this will mean you pay nothing back for a set period. Fixed rates can be very attractive when interest rates are rising; however this is not the case currently.

For businesses that pay all of their balance each month, they should look for cards with rewards or longer periods of grace. These businesses can benefit greatly from paying back and the rewards for being disciplined are good. However, make sure you are disciplined as the costs for not being so are also high.

Charge Cards

A good alternative to the credit card is the charge card. This card differs as it allows businesses to have a short line of credit. The card will always be paid back in the full amount at the end of the month and there are harsh penalties. However, if you do pay back in full your business will receive a number of benefits for doing so. Charge cards often also charge an annual fee and there is a similar process to the credit card application online, when applying for one.

Though, if you do need flexibility, then a credit card is a better option – just be aware of the interest charges and when you need to pay the balance.


We’ve mentioned rewards on a number of occasions and both credit card and charge card companies issue these. These often come in the shape of air miles, cash back and discounts at retailers, hotels or for services. Access to airport lounges and hotel upgrades are also part and parcel of these benefits and perks. The main thing here is to pay attention to the fine print if you choose a card with these perks, as the costs of not meeting the criteria are high.

So, in conclusion, the best way to choose a card is to look at your businesses situation and all the financial products out there and then take your ability to pay into account. By then choosing a card around your ability to pay, you can be sure that you will avoid steep charges and gain all the benefits you can.

Cormac Reynolds writes financial articles for a variety of businesses and blogs and has done so for many years.


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