Business credit cards are very essential for small businesses.  These credit cards offer the most important accountant benefit to small business owners, which is to keep business expenses separate from personal expenses. What would have been a nightmare trying to figure out various expenses are now recorded on your free monthly statements. This saves the business owners a vast amount of time trying to manage expenses since there is no need to save receipts, worry about losing receipts, reimbursements errors or sorting out personal expenses from business expenses. With this statement, business owners are able to monitor and control expenses and make it easy in filing income tax.

Do not use a personal credit card to make purchases. This will only cause confusion, inaccurate reporting and poor business management. Running a small business requires business owners to maintain accurate record keeping and track expenses. This is where the business credit card plays a pivotal roll. It separates personal expenses from business expenses and categorizes expenditure with no need for reconciling your expenses. Credit card companies can also generate itemized spending reports for individual employees to track employees spending. This information is the key to having a successful business. Business owners are able to manage their business more wisely because of the detail transactions recorded on their monthly business statement.

The Business Credit Card statement gives a categorized report of all purchases made and the ability to generate itemized employees report. Knowing where every dime is spent will enable the business owner to cut expenses where needed and improve on investments that are showing a profit. The major objective in doing business is to make a profit and to stay in business. Therefore keeping track of every purchase made and bill paid is very important in running a successful business. Accurate records at your finger tips will help in managing cash flow with accuracy, making right decisions, making a profit and eventually staying in business as the business grow.

Business credit cards have features comparable to standard credit cards such as, low introductory APR, cash back, rewards, frequent flyer miles, no annual fees, 0% Intro APR, balance transfers etc. The big difference is that business credit cards are optimized to save money on business purchases. Business owners can save money by leveraging their buying power, getting merchant discounts, group discounts, buying in bulk and getting a higher credit limit. The more you spend the better the rewards and cash back you receive.

Business credit cards have additional benefits such as online account management and may have option to download statement into QuickBooks, auto insurance, higher cash advances, personalized business credit card, free additional cards, year end statement to file income tax, higher unsecured credit limit. No need to spend time reconciling your expenses. Protect your credit by making credit card payments on time to avoid penalties. Credit card activities are reported to the credit bureaus Experian, Equifax and Trans Union.

Before applying for a small business credit card you will need to do some research. This is to help in finding the best business credit card suited for your company. All business credit do not have the same features. Some may be better suited for travel rewards, entertainment, credit limit, gasoline purchases, car rental, etc. An example would be business owner maximizing the benefits of the business credit card by having the fleet of vehicles buy its gas from a company that offers the most cash back or employees flying on airlines that offers the most bonus miles that can be used for free airline ticket.

Read the terms and conditions to know about the features offered such as interest rates, cash back, rewards and fees. Small business owners should know about the repercussions about making late payments, default on payments and who is responsible for any expenses incurred if your credit card is stolen etc. Small business owners are generally a sole proprietorship and are personally liable for the debts. Therefore if the business owner defaults on credit-card payments the creditors can go after the person who signed the credit card application.

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Documents are notarized to prevent fraud and protect the parties to ensure that the signing party signature is authenticated.  A notary public acts as an impartial witness to identify the signers to screen out impostors while making sure documents are willingly signed and that the signing party has the mental capacity to sign such.

Some documents require that they be signed in the presence of a notary public while others do not have to be signed in a notary’s presence.  There are certain documents that cannot be notarized by a notary public.  Below is a list of documents that cannot be witnessed or notarized by a notary public.

Birth Certificates - Usually what a person requires is a certified copy of the birth record, which can usually be obtained from the State Bureau of Vital Statistics.  Notarizing a birth document or copy thereof is prohibited.

Photographs - Notarizing photographs is not an authorized notarial act in the United States.  You may notarize a written statement concerning a photograph with the photograph as an attachment.  In this way you are notarizing a sworn written statement concerning the photograph and not the photograph.

The name on the document does not match the name on the ID presented to you - You should not notarize such document. You must full satisfy yourself of the identity of the person appearing before you before notarizing any document.

Blank or incomplete documents - Documents should not be notarized unless they are complete and have no blank spaces.  It is just that simple!  It will be very easy to alter a document with blanks or that is incomplete after it has been notarized.  You're flirting with trouble here.

Faxed or copied signatures - A photocopy or faxed document may be notarized as long as it bears an original signature, meaning the copy must have been signed with pen and ink. A photocopied signature may never be notarized.

Wills - Wills are particular sensitive documents that can provide problems for a notary.  Some handwritten (holographic) wills maybe invalidated by having them notarized.  It is best practices to only notarize a will only after the signer has contacted their attorney who has provided the notarial wording to be used and have instructed the signer to have the document notarized.

Documents that the notary is a party to - A notary may never notarize any document if the notary public has a financial interest in or is a party to the underlying document. This also applies to any document that witnesses the notary's own signature. Completely taboo!

Our economy is built on advertising, which is becoming increasingly more problematic. Corporations are spending billions of dollars annually on advertising methods that are no longer effective. Eighty percent of all US homes now own Tivo, where skipping through the commercials is just a push of a button away. Most new cars are now being delivered with (commercial free) Satellite Radio's already installed. New, stricter laws involving telemarketing are continually being put into place and the rising cost of stamps are making direct mail advertising cost prohibitive. Traditional means of advertising are becoming progressively more ineffective.

So what's an advertiser to do? In these economically challenging times more and more people are flooding the internet daily, looking for ways to earn money to either supplement their income or replace it. Family is (thankfully) becoming the cornerstone of our lives once again. The age of "you can have it all, family AND the career" and "the children just need quality time, not quantity" has drawn to a close. In today's world mom's want to stay home and raise their children. Dads are quitting high pressure, long work-day jobs. They are trading them in for lower income jobs then looking for ways to supplement their salary or replace it altogether so they can spend more time with their families. As this trend continues to evolve, corporations have begun to stand up and take notice.

Throughout history marketing agencies have kept a continual eye out for rising trends, so it's no wonder that this particular trend has caught their attention. Advertisers have found a way to capitalize on this media enriched trend of people looking to earn money on the internet. PR firms will tell you that the best way to advertise any product or service is to capture your target audiences attention. This is best accomplished by using either humor or incentives. Companies want you to view their advertisements and the more enjoyable this experience is, the more people will be willing to view them. On one hand companies need exposure to their advertisements, on the other hand people want to earn money from home over the internet… Are you starting to get the picture here? What better way to advertise than to find a way to pay the 'advertisee' to try their products and services? Hence, the GPT sites were born.

What are GPT sites? GPT stand for Get Paid To, as in Get Paid To take surveys or try new products or services. Instead of spending all of that advertising revenue on the old, more traditional media (television, radio and print), advertisers are now allocating more and more of their advertising budget towards internet advertising. GPT sites are basically the middle man that introduces the advertiser to the advertisee.

Advertisers pay GPT site owners to deliver leads to them. They are looking for people to read about their product, give their opinions about their products and try their products and / or services. That's where the advertisee comes in. The GPT site owners find leads to connect with the advertisers. They accomplish this by paying a large percentage of their earnings from the advertiser to the leads they supply them with.

GPT sites typically host a variety of offers on their webpages, including free offers, surveys, service and product trials, paid to read emails, and cash-back shopping. Earning money on these sites is not only simple, it's actually very lucrative. This is how it works; You sign up at the GPT site, once logged in you'll find a list of offers. Most GPT sites organize their offers in categories, either freebies or paid trial offers. Freebie offers are 100% free and do not require a credit card. These are usually surveys to fill out, a request for more information about a home business opportunity, or signing up for a newsletter. They pay anywhere from .40 cents to $3. Trial offers typically do require a credit card, but are far more lucrative. Some trial offers don't actually cost anything (unless you fail to cancel by the end of your trial period). Others cost anywhere from $1 to $5 for paid trials or shipping and handling charges. The profit margin on these types of offers is very high, paying anywhere between $10 and $30, occasionally more. Once you have completed an offer you simply mark it as complete using the link provided. Depending on the offer, your account will be credited anywhere from a few minutes to a few days. Most GPT sites pay monthly, however there are a few that do pay daily or weekly.

The Florida Home Builders Association (FHBA) is considered to be the fundamental group of the future builders of America. FHBA is the chief association of all local homebuilder's associations founded within the state. They provide their members, and the whole construction community in general, with sales and marketing tools, legislative updates, training, and even insurance coverage information. The construction industry of Florida has always been on the boom. In fact, there are a number of working immigrants who had found jobs and opportunities in the different construction sites all over the state.

Kraft Construction Company is one the biggest players in the construction industry of Florida. Their headquarters is located in Naples, Florida but they have two other satellite offices within the state. They have one in Sarasota and another in Fort Myers. Since their foundation in 1968, they have a steady number of projects and employ more than 400 workers. They have a net annual income of $100 million.

Willis A. Smith Construction, Inc. is another notable construction company operating in Florida. They are based in Sarasota and are serving the region of Florida since 1972. They have an impeccable background when it comes to the construction of commercial, industrial, healthcare, and educational buildings. They even have construction projects related to museum works. They have also done a number of civic and church-related ventures since it is first founded. They don't engage in residential construction but they are certainly big in everything else.

Florida also has several construction technical schools from where aspiring professionals can go to and train. There are at least 15 colleges offering construction education in and around the state. Examples of these educational institutions are the Brevard Community College-Cocoa Campus, Broward Community College, and Tallahassee Community College, among others.