Top Ten Biggest Olympic Medal Winner Prize from Each Country in Rio Olympics 2016

206 countries (plus one team extra from the Refugee Olympic Team) has sent their best talent in sport to compete in 26 different olympic sports to prove who is the best. The winner will not only bring pride for their country but also bring a great fortune for themselves.

Each country promises their athletes will get some big prize in return for bringing olympic medal to the country. Either it's the medal for 1st winner or 2nd and 3thd, the athlete will get both fame and lots of money.

Here's the top 10 Country with biggest prize for their medal winner

1st olympic medal winner prize : $757,000
2nd olympic medal winner prize : $370,000
3rd olympic medal winner prize : $189,000

1st olympic medal winner prize : $640,000
2nd olympic medal winner prize : $223,000
3rd olympic medal winner prize : $223,000

1st olympic medal winner prize : $600,000
2nd olympic medal winner prize : $300,000
3rd olympic medal winner prize : $150,000

1st olympic medal winner prize : $250,000
2nd olympic medal winner prize : $124,000
3rd olympic medal winner prize : $62,000

1st olympic medal winner prize : $250,000
2nd olympic medal winner prize : $150,000
3rd olympic medal winner prize : $75,000

1st olympic medal winner prize : $215,000
2nd olympic medal winner prize : $107,000
3rd olympic medal winner prize : $43,000

1st olympic medal winner prize : $189,800
2nd olympic medal winner prize : $95,000
3rd olympic medal winner prize :$50,000

1st olympic medal winner prize : $180,000
2nd olympic medal winner prize : $90,000
3rd olympic medal winner prize :$45,000

1st olympic medal winner prize : $150,000
2nd olympic medal winner prize : $112,000
3rd olympic medal winner prize : $75,000.

1st olympic medal winner prize : $55,000
2nd olympic medal winner prize : $27,000
3rd olympic medal winner prize :$16,000


"My motto is if you want to win the lottery you've got to make money to get a ticket."

I found this quote from one of my favorite movie, Nightcrawler. The story takes place in Los Angeles where Louis Bloom (Jake Gyllenhaal) starts living his life as a thief and then find a better way to make decent money by shooting live footage of crimes and accidents in Los Angeles. Bloom is a type of guy who would do anything to get what he wants. He didn't hesitate to make up an accident by sabotaging his rival's car to get crash so he can shoot the video out of it while eliminating his only rival in the city. And he didn't even shocked when his partner get shot by a thug so he can get the whole profit of his video. 

Now i'm not gonna talk about the whole movie or lottery since it's considered as gambling. I refer to that quote because it is very similiar with one of the most principal thing in making money, which is you need money to make money. And that's what i'm gonna talk about in this article. How to invest money to make money. 

Actually, there is a lot of ways to make money on this planet. Some ways you don't have to spend a single cash to make money. You can do it if you already have some skills which people need. While the other ways require some cash to make it. It's called investing the money. 

Now there are types of how to invest money to make money for you. Some of them are quite save but comes with a relatively small profit, while the others come with a big risk you have to take but has probability to bring you a big bucks. These are some of this ways of how to invest money to make money : 

1. Company Stocks
Investing in a company by purchasing shares through a stock broker is one of the most popular types of investing. Each share represents your small portion of ownership of the company. Although you can make decent money after you sell the shares when the value goes up, you can also lose a lot of money if the company does not do well and the value drops.

Here's a tips from the grand ol' Warren Buffet. No doubt he has gone pro in stock market, so maybe you might learn one or two thing from what he says in this video :

2. Raw Material
Investing in raw material, more commonly referred to as a commodity, means that you are investing in things like gold, iron, silver, natural gas, cotton, oil, diamonds and cattle. The way you proceed with investing in commodities depends on which type you pick and the type of investment vehicle you prefer.

3. Debt
Although it may not seem like an investment, paying off your debt is the most common way of investing money. Debt repayment lessens your financial risk and provides you with freedom from debt; this alone makes this investment the first to accomplish if you are in debt.

4. Forex
Foreign Currency Exchange, otherwise known as FOREX, is likely the most risky type of investment when speaking of beginners. You must study the patterns and predict the buying power of a variety of currencies as they relate to the currencies in other governments. This is an extremely high-risk investment that should be done with as much care as possible.

5. Bonds
Government and corporate bonds are at a moderate risk level when investing. These are debt securities where the borrower is required to pay the interest and/or principle to the investor at a later date. This is usually low interest unless the borrower defaults, therefore the risk is moderate for investors. Investors can also benefit from this type of investment by allowing the money to increase while their children are growing up; by the time the children reach 18, the investments can quickly be cashed out for college or another expense.

6. Life Insurance
When an investor pays a life insurance company to payback money to them over a period of time in small increments, this is called an annuity. Depending on the specific company, the investor can choose to receive payments until he is deceased or can set up a stop date. Since the insurance company may go bankrupt, there is moderate risk involved, although many states cover up to $100,000 in the event of a company defaulting.

7. Banking
Bank accounts offer extremely low returns and are better used as a form of storing cash. Some of the types of accounts at banks include personal savings accounts, business savings accounts, personal checking accounts, business checking accounts and Certificates of Deposits (CDs).

8. Business
Building your own business is an extremely risky investment. Although you could become financially free and your own boss, there is the huge risk of losing everything. When starting your own business, do your research, put together a business plan and seek advice from others with experience.

9. Properties
Investing in real estate is another popular type of investment. Depending on your method of investing, real estate investing can become extremely lucrative if done in the proper locations and the correct way. You can purchase homes to fix them up and sell them for a higher price, or you can purchase homes to turn around and rent them to tenants for a slightly higher cost.

10. Metals
Precious metals, such as gold, are another way to invest your money. The value of precious metals rises when other investment values drop. Purchasing gold bullion is extremely secure, but the return is minuscule.

Watch Opening Ceremony Rio 2016 Olympics Games LIVE STREAM Here

One of the most prestigious sport even in the world, Olympics Game will be held again in this August 2016 and this time, the World Cup 1998 winner Brazil has responsibility as the host of this big event.

The opening ceremony will take place on the evening of Friday 5 August 2016 in the Maracana Stadium, Rio de Janeiro starting at 20:00 BRT. The ceremony will be a combination of the formal ceremonial opening of this international sporting event (including welcoming speeches, hoisting of he flags and the parade of athletes) and an artistic spectacle to showcase the host nation's culture.

The Brazillian director who has made beautiful movie such as City of God and The Constant Gardener is appointed as the creative director for this event. Along with producer Daniela Thomas and Andrucha Waddington, and 6000 volunters as dancers will make sure this opening ceremony to be remembered by the rest of the world.

You can watch this opening ceremony via live streaming from Olympic 2016 official channel, +Olympic Games 2016 below :

Trump Got Out of Stock Market. Should You Do the Same?

DonaldJ. Trump is well known as a succesful real estate investor who has made his name as a controversial president candidate with a lot of his statement in the past these months during election campaign. And now, recently Trump made a new shocking statement espescially for US citizen who put their money in stock market.

Trump Got Out of Stock Market

Trump suggest everyone to dump their stock. First he admit that he also put his money on the stock but now he got out after seeing a lot of things going on in United States these times.

Some of the things that made him got out from stock market is immigration policy. His campaign is known controversial because he is worrying a lot of immigrant come to US will make the economy become worst. Then he got out from stock maybe as a protest to US government for the immigrant policy they are having right now. And he suggest his supporter to do the same.

Here's is the interview from +TheDailyTrump  with Trump when he asked about stocks market :

Difference Between Home Equity Line Credit (HELOC) vs Home Equity Loan (HEL)

For most people, their house is the most valuable asset for them. The price is always increasing so the value become much bigger after years.

Because it's very valuable, people can get benefit from their house beside for comfortable live place. They can get lending for a big sum of money from bank by making their house as the collateral for it.
Home Equity Line Credit (HELOC) vs Home Equity Loan (HEL)

There are two types of lending that you can get from bank by making your house as collateral. Home Equity Line of Credit (HELOC) and Home Equity Loan (HEL). Each type of these loan has their own beneficial for you. 

Basically, Home Equity Line of Credit makes you possible to get a serial loan of money until a certain time. It works just like credit card. You get a limit of loan from it and you take your money whenever you need too. The limit of the credit is mostly depended on your house value and your credit record.

While Home Equity Loan makes you get your total loan at one time ahead. People often call this loan as second mortgage. 

For further explanation, Michael Lush from +ReplaceYourMortgage Inc explain it clearly in this video :

Top 10 Best Accredited Online Colleges for Accounting 2016

So here's why you have to seek for the best accredited online colleges for accounting before you sign up to the college.

Besides accountant and auditor jobs, graduates with a bachelor in accounting degree may seek the following positions: forensic accountant, financial analyst, IRS agent, FBI agent, fraud examiner, cost manager, controller, budget analyst, and more.

A bachelor’s degree in accounting can pave the way to becoming a personal financial adviser. The degree also helps prepare you to achieve certain professional designations (such as “certified financial planner” or “chartered financial analyst”) as well as to enroll in graduate school.

So being an accountant is very vital position in a company because its jobdesk to handle with the core of the company, which is money. That's why you have to choose the best accredited online colleges if you want to be an accountant.

But for many, taking the time off from work and family to pursue a degree in accounting simply isn’t feasible. Thankfully, there are several accredited online accounting schools offering bachelor’s degree in accounting programs online. These online accounting programs allow students to earn their bachelor’s in accounting degree while continuing to work and maintain other responsibilities.

Online bachelor in accounting degree programs typically cover business fundamentals, accounting principles and theories, taxation and auditing, accounting information systems, nonprofit accounting, cost accounting, and financial accounting. Bachelor in accounting degree programs may provide such concentrations as financial analysis, internal auditing, information systems, or managerial accounting.

And not all online accounting degree programs are the same. The 2016 best accredited online accounting schools and accounting degree programs offer a combination of solid accreditation, good reputation, rigorous academics, satisfied graduates, and affordable tuition. Based on these standards our editors put together this ranking of the best accredited online colleges for accounting available online in 2016.

1. Colorado State University Global Campus

Best Accredited Online colleges for Accounting 2016

Colorado State University Global Campus offers a fully online Bachelor’s in Accounting that can be specialized with a number of options (21 in total), ranging from data management, to organizational leadership, to marketing. CSU is currently the 121st ranked national university by US News. With an average estimated program price of $42,000–the 11th most affordable school of those surveyed–CSU is slightly pricier than other highly ranked schools, but makes up for it through quality instruction, flexibility, and tons of specializations.

2. University Of Alabama-Birmingham, Collat School of Business

Best Accredited Online colleges for Accounting

Students of UAB’s School of Business have the option of earning their Bachelor in Accounting degrees entirely online. Online and onsite classes are taught by the same experienced faculty. UAB’s online Bachelor of Science in Accounting program gives students a foundation of accounting and business knowledge that applies to many careers in the field. The program also prepares students to pass the Certified Management Accountant (CMA), Certified Internal Auditor (CIA), and Certified Fraud Examiner (CFE) exams.

3. Old Dominion University

Best Accredited Online colleges for Accounting

Old Dominion University offers a fully online Bachelor’s in Accounting degree that won’t break the bank, yet still provides the academic quality of national university. Through +ODU students may attend local or online community colleges to complete core requirements (for less), and then earn guaranteed acceptance into Old Dominion to complete their accounting degree. Estimated average program cost for Old Dominion’s Bachelor’s in Accounting is currently $36,780, making the program the 6th most affordable of program surveyed.

4. Northeastern University College Of Professional Studies

Best Accredited Online colleges for Accounting

The Northeastern College of Professional Studies offers a Bachelor of Science in Finance and Accounting for all individuals who are interested in this field. Along with instilling fundamental accounting skills and knowledge, the program will enhance the analytical and quantitative capabilities that are essential for success. The program also allows students to focus their studies by choosing from electives in taxation, accounting information systems, investment management, financial strategy, and international finance.

5. Auburn University

Best Accredited Online colleges for Accounting
Auburn’s online Accounting degree is actually a B.S. in Business Administration with a focus in Accountancy, but still functions to prepare students for the CPA exam and accounting roles in the work world. The B.S.B.A. in Accountancy is the first online undergraduate degree offered by Auburn, and offers live streams and recorded videos of lectures from the traditional program. While Auburn’s program is the second most affordable in our rankings–costing an average estimated total of $23,325–it should be noted that the program is really a degree completion program, and only requires 30 hours. Auburn is currently the 103 ranked national university by US News.

6. Penn State World Campus

Best Accredited Online colleges for Accounting

Penn State World Campus offers an online Bachelor of Science in Business Administration with an accounting specialization. In addition to core business skills, the 18-credit accounting option provides students with a deeper understanding of financial and managerial accounting, systems and controls, taxation, and auditing. The program is 120 credit hours long and can be completed entirely online. Graduates will be invited to the Penn State Campus for a graduation ceremony.

7. Capella University

Best Accredited Online colleges for Accounting

Capella University offers a highly flexible online Bachelor’s in Business with an Accounting specialization. Much like other programs that partner with community colleges to offer general education requirements at a discount, Capella offers self-paced and discounted general education classes through Sophia Pathways, a partner of the university. With academic quarters that are 3 months long, and with 3-week breaks between quarters, Capella makes it easier to balance your education and life. Currently Capella University is a national university according to US News. Estimated average total program cost is $47,808 for Capella’s program, making it the 15th most affordable program of those surveyed.

8. Washington State University College of Business

Best Accredited Online colleges for Accounting

Washington State University offers an online bachelor’s degree in accounting that teaches students the principles of business management and taxation. The courses will also teach students about technological advances in the financial world and new accounting programs to make each aspiring professional competitive in the job market upon graduation.

9. University of Minnesota — Crookston

Best Accredited Online colleges for Accounting

University of Minnesota Crookston offers a fully only B.S. in Accounting as well as review courses and exams leading to certifications to become a Certified Public Accountant, Certified Management Accountant, or Certified Internal Auditor. Further flexibility is available through UMC’s transfer friendly policies, which enable many requirements to be taken elsewhere at a cheaper rate. Currently University of Minnesota Crookston is the 40th ranked regional university in the Midwest by US News. Average estimated tuition is $46,292 for the entire program, making it the 14th most affordable program surveyed.

10. Clarion University

Best Accredited Online colleges for Accounting

The online Bachelor of Science in Business Administration with an accounting major degree program is 120 credit hours and available on a part-time basis. It is ideal for working students to help them gain the necessary knowledge to procure a career in accounting. Enrolled students can select up to three classes during each semester and in the summer. For each semester, students are required to have six to nine credit hours. Courses include financial accounting, managerial accounting, payroll accounting and tax planning. After completing the program, graduates will be eligible to take the CPA examination in Pennsylvania and in several other states.

Top 15 Best Online Credit Card in 2016

After meticulously reviewing hundreds of U.S. credit cards, we at have put together a selection of 15 credit cards for cash back, rewards, 0% balance transfers, travel, business, and students. If you are on a quest searching for the best credit card in the U.S., you just might find it here. All cards come with different pros and cons, hence we recommend that you use more than one type of card in order to maximize rewards on different types of spending.

For example, if you're looking for a 0% balance transfer card to transfer your existing balance, you should get a good balance transfer card just to pay off your balance, and use other rewards cards for your other spending.

So, here is our top 15 list of best credit cards to carry in your wallet :

1. Discover it® Cashback Match™

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Intro (Purchases) : 0% (12 months)
  • Intro (Transfers) : 0% (12 months)
  • Regular APR : 11.24% - 23.24% Variable*
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good*

2. Chase Sapphire Preferred® Card

  • Top Travel Airline Credit Card
  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Sleek metal card design
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more. 
  • Intro (Purchases) : N/A
  • Intro (Transfers) : N/A
  • Regular APR : 16.24%-23.24% Variable
  • Annual Fee : Introductory Annual Fee of $0 the first year, then $95
  • Credit Needed : Excellent/Good

3. Chase Slate®

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • Intro (Purchases) : 0% 15 months*
  • Intro (Transfers) : 0% 15 months*
  • Regular APR : 13.24%-23.24% Variable*
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good*

4. Chase Freedom Unlimited℠

  • New! Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • Intro (Purchases) : 0% for 15 months
  • Intro (Transfers) : 0% for 15 months
  • Regular APR : 14.24%-23.24% Variable
  • Annual Fee : $0
  • Credit Needed : Excellent/Good

5. Discover it® – 18 Month Balance Transfer Offer

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Intro (Purchases) : 0% 6 months*
  • Intro (Transfers) : 0% 18 months*
  • Regular APR : 11.24% - 23.24% Variable*
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good*

6. Discover it® Miles with No Annual Fee

  • 50,000 Miles could turn into 100,000 Miles with Discover Match®. We'll automatically match all the Miles you earned at the end of your first year. Only for new cardmembers.
  • Unlimited 1.5x Miles on every dollar you spend on purchases.
  • Redeem in any amount for a credit to your statement to cover travel purchases.
  • No blackout dates. Fly any airline, any time.
  • No annual fee
  • Automatic credit of up to $30 a year for your in-flight Wi-Fi fees.
  • Intro (Purchases) : 0% 12 months*
  • Intro (Transfers) : 10.99% 12 months*
  • Regular APR : 11.24% - 23.24% Variable*
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good*

7. Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of statement credits.
  • Earn Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases, 3% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • With the Blue Cash Preferred® Card, you can get cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Intro (Purchases) : 0% for 12 months 
  • Intro (Transfers) : 0% for 12 months
  • Regular APR : 13.24%-23.24% Variable
  • Annual Fee : $95 ($75 if your application is received by 8/3/16)
  • Credit Needed : Excellent Credit

8. Discover it® Cashback Match™

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Intro (Purchases) : 0% 12 months*
  • Intro (Transfers) : 0% 12 months*
  • Regular APR : 11.24% - 23.24% Variable*
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good*

9. Citi Simplicity® Card

  • The only card with no late fees, no penalty rate, and no annual fee...ever.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
  • Intro (Purchases) : 0%* for 21 months*
  • Intro (Transfers) : 0%* for 21 months*
  • Regular APR : 13.24% - 23.24%* (Variable)
  • Annual Fee : $0*
  • Credit Needed : Excellent/Good

10. Capital One® Spark® Cash for Business

  • Earn 2% cash back on every purchase, every day
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • Cash rewards don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption
  • No foreign transaction fees
  • Intro (Purchases) : N/A*
  • Intro (Transfers) : N/A*
  • Regular APR : 17.24% (Variable)*
  • Annual Fee : $0 intro for first year; $59 after that*
  • Credit Needed : Excellent, Good Credit*

11. Ink Plus® Business Credit Card

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5 points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2 points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee
  • Intro (Purchases) : N/A
  • Intro (Transfers) : N/A
  • Regular APR : 15.49%-19.49% Variable
  • Annual Fee : $95
  • Credit Needed : Excellent Credit

12. Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Intro (Purchases) : 0% for 9 months*
  • Intro (Transfers) : 0% for 9 months*
  • Regular APR : 23.24% (Variable)*
  • Annual Fee : $39*
  • Credit Needed : Average, Fair, Limited Credit*

13. The Business Gold Rewards Card from American Express OPEN

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • Redeem points for everyday business expenses, to help with travel costs or to reward employees and entertain clients
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • Intro (Purchases) : N/A
  • Intro (Transfers) : N/A
  • Regular APR : N/A
  • Annual Fee : $0 introductory annual fee for the first year, then $175
  • Credit Needed : Excellent Credit

14. NASCAR® Credit Card from Credit One Bank®

  • Earn 1% cash back on all purchases (terms apply) and double cash back on purchases.
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time.
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Intro (Purchases) : N/A
  • Intro (Transfers) : N/A
  • Regular APR : 16.65%
  • Annual Fee : $0 - $99
  • Credit Needed : Good/Excellent

15. Bank Americard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account.
  • Intro (Purchases) : 0% Introductory APR for 12 billing cycles
  • Intro (Transfers) : N/A
  • Regular APR : 15.24% - 23.24% Variable APR on purchases and balance transfers
  • Annual Fee : $0
  • Credit Needed : Excellent/Good
Source 1

5 Best Suitable Bank for Small Bussiness and Startups Owner

As a small business owner, you’re frequently facing day-to-day challenges that come with operation, whether that’s managing employees, handling customers or addressing growth challenges. One area that small business owners shouldn’t have to worry about is their banking and the management of their money, at least in terms of how it’s being done.

That’s why it’s so essential that business owners make the right choice when searching for the best bank for small business banking.

A top rated best small business bank should be able to help small business owners maintain a sense of control and visibility over their money while providing the tools and support that contribute to growth.

An excellent bank for small businesses should also be one that’s convenient and alleviates burdens to the customer.

But then the question is, Which bank that fits for small business like you?

Here i've has researched and published this article of best banks for small business accounts and detailed small business bank reviews. Each of the below banking firms (large or small) is considered a best bank for small business owners, and the details of why each made it onto this year’s small business banking comparison are also presented below.

1. Bank of America

As part of the U.S. banking system for more than 200 years, Bank of America is a global financial institution with 4,700 retail financial centers and 16,000 ATMs. Bank of America is well-known for its advanced technology, including award-winning online and mobile banking. As well as consumer and commercial services, Bank of America also provides services to more than 3 million small business owners.

Small business services and products at Bank of America include fundamentals such as checking and savings accounts as well as credit and investing, cash management, payroll and more.

Key Factors That Enabled Us to Rank This Bank as a Best Bank for Businesses

Listed below are some of the services and offerings of Bank of America that led to its inclusion on this list of small business bank reviews and rankings.

A. Clover Solutions

Small business owners who bank with Bank of America have the opportunity to utilize Clover products, which are advanced point-of-sale devices designed with the intent of improving efficiency and reducing workload.

These smart and streamlined POS systems feature intuitive tools and customizable intelligence and allow business owners to manage a variety of tasks, including payment processing, inventory management, and employee scheduling.

When you opt to bank with Bank of America, you can link these tools and products with your traditional bank accounts to simplify financial and employee management.

B. Business Credit Card

Bank of America offers credit and lending options specifically for small businesses, which is why it’s rated as a best bank for a small business. One of the signature card offers for small businesses is the Cash Rewards for Business MasterCard. This card includes a number of benefits for business owners, including:
  • 1% cash back on purchases
  • 2% on purchases at restaurants
  • 3% on purchases at gas stations and office supply stores (up to $250,000 a year and 1% after that)
  • $100 statement credit when you spend $500 within 60 days of opening your account
  • 0% introductory APR on purchases for the first nine billing cycles
  • No annual fee
  • Ability to redeem your cash rewards and receive cash back or deposit them directly into your Bank of America account

C. Cash Management Tools

As one of the best banks for small business accounts, Bank of America offers not just the basics but also a suite of products that are specifically tailored to the needs of businesses. This includes cash management tools that pave the way for business owners to run their organizations more efficiently and effectively.

Some of these tools include:
  • Payroll services by Intuit
  • Remote deposit online
  • Account management
  • Direct payments
  • Express invoicing
  • Express tax services
  • Treasury services for larger businesses

D. Business Checking 

Bank of America offers two primary business checking accounts: Business Fundamentals and Business Advantage.

Business Fundamentals is designed to have all the essentials a small business needs, including online banking, bill pay, mobile banking, debit cards, and the option to link the account with a business savings account.

With Business Advantage, you receive all of those features as well as online account management, QuickBooks integration, an additional business checking account, and access to the Small Business Priority Service team.

2. BMO Harris

BMO Harris was founded in 1882 as Harris and, since that time, has grown and expanded to become one of the largest Midwest-based banks. BMO Harris includes personal banking products offered through more than 600 branches as well as business and commercial solutions.

Under the small business area of the bank are accounts, lending, and other services including cash flow and payroll products.

Key Factors That Led Us to Rank This Bank as a Best Bank for Small Businesses

Detailed below are some of the reasons BMO Harris was selected as one of the best banks for small business accounts and other services.

A. Business Checking

One of the reasons BMO Harris is considered a pick for the best bank for business accounts is because of its many checking options. Business owners can find the checking account that works for their individualized needs, ranging from Essentials Business Checking, which is designed for businesses that maintain a low balance and have a low transaction volume, to Business Checking Analyzed, which is ideal for higher volumes and balances.

Also available is Business Advantage Checking, which is an interest-earning account offering exclusive discounts on other products, such as checks and loans.

The Non-Profit Small Business checking account has no monthly maintenance fee and flexible transaction costs, dependent upon the type.

B. Payroll Processing

Along with being a pick for the best bank for a business account, BMO Harris is also included in this small business banking comparison because of its services like payroll processing.

BMO Harris features two budget-friendly, simple payroll options that are both offered through its referral partner, Paychex. These comprehensive payroll solutions are designed to help business owners spend less time in this area and put more attention on growing their business.

C. Business Savings Accounts

BMO Harris is not only one of the best banks for small business checking accounts, but it also has a full range of savings options. These include:
  • Business Savings: This account includes a competitive interest rate and flexibility with the option to withdraw funds as needed.
  • Business Prime Money Market: Rather than leaving cash on the sidelines, this account includes a competitive interest rate on higher balances, and the first 30 checks deposited per statement period don’t carry a transaction fee.
  • Business Prime Money Market Plus: This offers easy access to accounts at any time, and if you link your non-interest small business checking account, you can earn a higher interest rate.
  • Certificates of Deposit: This option is ideal if you’re looking for a long-term savings product. You can have your interest automatically deposited to your CD, paid to you by check or credited to another BMO Harris account.

D. BMO Harris Bank Debit MasterCard Business Card

As a best bank to open a business account with, BMO Harris also offers excellent debit and credit card options for account holders. One of the signature debit cards is the BMO Harris Bank Debit MasterCard Business Card, which offers convenient access to checking accounts as well as financial control.

Some of the features include:
  • Access to detailed transaction records on your monthly account statements, including merchant name and location
  • Compatibility with Apple Pay
  • Advanced chip technology
  • Purchase Assurance provides coverage for most items you purchase if they’re damaged or stolen within 90 days of being purchased
  • Car Rental Collison Damage Waiver insurance
  • Travel Assistance Services
  • MasterCard VAT Reclaim Service
  • MasterCard Global Service​

3. Capital One

Capital One is a bank offering a broad range of services and products, not only to consumers and small business clients but also commercial clients. This Fortune 500 financial institution is one of the nation’s 10 largest banks based on deposits, and there are branch locations throughout the country, including New York, New Jersey, Texas, Maryland, Virginia, and D.C.

Capital One business services include accounts, borrowing and investing options, business management services, and more. The business tools from Capital One are designed to give owners a way to manage their accounts conveniently and easily.

Key Factors That Make This Bank to Rank as a Top Best Small Business Bank

The list below represents some of the main reasons Capital One was chosen as a best business bank.

A. Spark Business Checking

Spark Business Checking is an excellent checking account option for small businesses because it’s a convenient, online-based digital account with no monthly transaction fees or limits, no minimum balance required, no monthly fees, and no fees for Allpoint ATMs.

Deposits are available the next day, a debit card is included for free, you can manage business finances on the go with the Spark Business mobile app, and this account includes free online bill pay and electronic invoicing. You can also link your Spark Business Savings account for overdraft protection.

B. Spark Pay

Capital One is not just one of the best banks for small business checking but also for general business management services, including Spark Pay, which is an innovative payment solution.

Spark Pay is a way to accept and process payments that includes the options to select from a mobile reader, digital register, payment terminal or an e-commerce store that simplifies setting up an online store.

Features of Spark Pay include the ability to synchronize multiple devices and users, inventory management, the ability to download transactions and reports, customized receipts, and options to create personalized promotions or deals.

C. Spark Credit Cards

Capital One is known for being not just one of the best banks to open a business account with but also one of the nation’s top providers of credit card solutions. Spark Business cards include the Spark Cash Back Rewards Card and the Spark Miles Rewards card.

The Spark Cash Back Rewards card includes 2% cash back with Spark Cash as well as a $500 cash bonus. With the Spark miles rewards card, business users earn unlimited 2x miles on every business purchase, with no annual fee. Enrollees of this card also have the opportunity to earn a one-time miles bonus of up to 50,000.

D. Spark Business IQ

One of the many ways that Capital One demonstrates a dedication to being one of the best banks for a business account is through not just its products but also its business resources.

Spark Business IQ is a program for entrepreneurs designed to guide them through business ownership and show them ways to maximize their finances and cash flow. Spark Business IQ also features inspiring ideas and valuable guides that can help business owners create positive change not only for themselves but also for their customers.

Topics covered here include everything from preparing for new regulations and laws that impact small business owners to videos of inspirational speakers.

4. Citizens Bank

Citizens Bank is a fully-independent traded company with a history that goes back more than 150 years. The bank defines its vision as delivering the best possible banking experience to customers, and its values include exceeding customer expectations, doing the right thing, thinking long term, and working together.

Along with Citizens being one of the best banks for small businesses, it also has services and products aimed at personal banking, investing, and commercial entities. Citizens’ business services include bank accounts, business loans, and cash management tools and services.

Key Factors That Enabled Us to Rank This Bank as One of the Best Banks for Businesses

When reviewing the best banks for small business checking and other services, the following are some of the reasons Citizens stood out and was included in this small business banking comparison and ranking.

A. Clearly Better Business Checking

Citizens is considered among the best banks to open a business account with, and one of the signature checking accounts for businesses is the Clearly Better Business Checking account. This option carries with it no minimum monthly balance or maintenance fee, and it’s a great account for owners seeking something that will grow along with their business.

Along with no fee and no minimum balance requirement, account holders can take advantage of up to 200 check transactions per statement period at no charge, unlimited online access to accounts, and use of Citizens Mobile Banking.

B. Non-Profit Checking

Along with essential business checking account options, Citizens Bank also has a unique offering, which is an account designed specifically for nonprofit businesses and organizations, clubs, and associations.

Account holders can select between interest-bearing and non-interest-bearing accounts, and the features of the account are specifically targeted to the unique needs of nonprofits. The Association Checking option offers unlimited transactions while the Association Checking with Interest is an interest-bearing checking account for nonprofits that have limited activity.

C. Cash Management

Along with being one of the best banks for small business checking accounts, Citizens also offers services tailored to cash management. These services let businesses manage their cash flow efficiently and easily. Specific cash management services include:
  • Collection services
  • Disbursements
  • Payroll services
  • International banking
  • E-Z Deposit Remote Deposit Capture
  • Information reporting
  • Sweep and investment services

E. accessBUSINESS Manager

AccessBUSINESS Manager is a signature Citizens Bank offering for business account holders that provides them with all the tools and information they need right on their desktop. From this centralized location, business owners can view their deposits and all of their cash flow information for up to 5 business checking accounts with 1,000 total transactions per month.

ACH Payment services are available through accessMONEY Manager, and up to 10 outbound global wire transfers are included per month.

5. US Bank

Offering a full array of not only small business banking options but also consumer banking and mortgages, loans, and wealth management products, US Bank operates on the motto of “making possible happen.” US Bank is part of U.S. Bancorp, which maintains more than $420 billion in assets.

There are more than 3,100 banking offices operated by the company throughout the country, and it’s the fifth largest commercial bank in the U.S. Small business banking services include checking and savings, credit and financing, payment acceptance, and employee services.

KeyFactors That Led to the Inclusion of This Bank as a Best Bank for a Small Business

The list below showcases some of the reasons US Bank is included in this small business banking comparison as one of the best banks for small businesses.

A. Business Packages

Distinctively, US Bank offers three different business checking account packages :

  • The Silver Package is designed for banks with limited transaction activities, and it features essential products and services to save business owners and employees time and money. It comes with no minimum balance requirements or monthly maintenance fees.
  • The Gold Package is for businesses with significant transactions, and features include tools for the management of cash flow. If you use a U.S. Bank credit card, the monthly maintenance fee can be waived.
  • Finally, with the Platinum Package, businesses will enjoy the best rates, rewards, and discounts available. It’s also advantageous because it consolidates accounts and provides access to advanced services.
B. Business Savings Sweep

Business Savings Sweep is a product offering that lets account holders automate how their money is moved between their checking account and their interest-bearing savings account rather than having cash sit unused. At the end of each business day, excess balances are transferred from a U.S. Bank checking account to an interest-bearing savings account.

If your checking account balance goes below a set amount, funds are automatically moved over from your investment account to cover that.

It’s also a tiered system, so the more business account holders save, the more interest they’ll earn.

C. Credit and Financing

As well as being one of the best banks for small business accounts, US Bank also offers a full array of business financing and credit so clients have access to the capital they need.

Small business credit and financing options from US Bank include:
  • Business ownership and expansion loans
  • Commercial real estate financing solutions
  • Term loans so you can finance equipment quickly and easily
  • Lines of credit designed to give working capital to cover any variety of operational expenses

D. Business Visa Check Card

The US Bank Business Edge Debit Card offers business owners and their associates a simplified way to manage cash and expenditures. This debit card can be used to make purchases anywhere Visa is accepted, and it lets business owners quickly and easily monitor not only their own expenses but also what their employees are spending.

Monitoring account activity can not only be done through online banking, but business owners can also set up customized email and text alerts so they always maintain visibility of their finances. 

Asian Stocks Mostly Drop as 'Brexit' Worries Linger

Most Asian stock benchmarks slipped on Tuesday as Britain's vote to quit the European Union and its messy aftermath continued to reverberate throughout global financial markets.

Markets have been roiled by the result of last week's vote, which also sent the pound to its lowest level in three decades. The turmoil and uncertainty over the decision to leave the EU prompted ratings agencies Standard & Poor's and Fitch on Monday to strip the UK of its top-shelf credit rating.

Japan's benchmark Nikkei 225 index lost 0.4 percent to 15,248.28 while South Korea's Kospi added 0.2 percent to 1,929.68. Hong Kong's Hang Seng Index fell 1 percent to 20,032.68 while the Shanghai Composite Index in mainland China slipped 0.4 percent to 2,885.72. Australia's S&P/ASX 200 fell 1.3 percent to 5,072.80.

Benchmarks in Taiwan, Singapore and Indonesia rose but in Malaysia and the Philippines they fell.

"Trading in the near term is likely to be dominated by the Brexit fallout as global markets assess their exposure to Europe," said Alex Furber of CMC Markets in Singapore.

Britons voted last Thursday to leave the EU over concerns including immigration and regulation, an unprecedented move that stunned financial markets and triggered waves of selling on Friday and Monday.

The results sent the British pound sliding. On Monday it fell another 3.5 percent to hit a new 31-year low of $1.3199.

The yen also surged as investors fled risky assets in favor of the currency, which is considered a haven and is now at its strongest level in two years. The dollar rose to 101.99 yen from 101.90 in late trading Thursday. The euro strengthened to $1.1044 from $1.1020.

Benchmark U.S. crude rebounded 43 cents to $46.76 a barrel in electronic trading on the New York Mercantile Exchange. The contract slid $1.31, or 2.7 percent, to settle at $46.33 a barrel on Monday. Brent crude, used to price international oils, rose 48 cents to $47.64 a barrel in London.

On Wall Street, the Dow Jones industrial average lost 1.5 percent to close at 17,140.24. The S&P 500 index slid 1.8 percent to finish at 2,000.54 and the Nasdaq composite fell 2.4 percent to 4,594.44.


Brexit Impact to Global : Egypt Stock Market Drops Last Week

Cairo, Egypt stock market performance is reported declining at the end of the last week. This decreasing is assessed in response to the British decision for leaving EU.
This condition has raised worries among investors about its global stability that can cut the capital inflows into Egypt. 
As Reported by World Bulletin, Monday (27/6) Egypt stock index fell 5.8% on Sunday (26/6) afternoon. Meanwhile, the stock market participants Naeem in Dubai noted, the economic impact caused by the decision of the Brexit would not be so serious to Egypt market. But this effect will no longer exists. The reason is, the currency weakening of poundsterling and the euro will benefit the Egyptian economy balance of imports.
' Plus, about 16% of Egypt's total external debt is dominated by the euro, '' Naeem wrote in his report.
Nevertheless, the investors will focus on the possible risks posed by this global market turmoil, so it will not make Egypt more difficult to attract inflows into the country.

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