Last week, we discussed the Basics of Talkshoe and continuing with that line of thinking, this week, we will discuss Broadcasting on a Shoestring.

Everyone has the ability to produce a good sounding, professional style show, and most everyone has the inclination to do so. Sometimes, your financial situation, especially during these hard, economic times, can get in the way of allowing you to do this.

Tonight, we will discuss different hardware, equipment and software that you can use to setup your home studio to produce a more professional style podcast. You may need to spend a few bucks to do this, however, we will attempt to show you the most inexpensive way to get yourself setup.

To begin with, when using Talkshoe, of course, the service itself is free. The service is free, but consider that your Internet connection is not! Look at your current provider or ISP and see what package you are subscribed to. If you are wanting to do just audio broadcasting, then you can easily get by with a lower end package of say 1mb down and 128k up. However, if you are wanting to do audio AND video broadcasting, then you will want a higher end package with at least 1mb to 3mb up and maybe 3mb to 6 mb down. When broadcasting, your upload speed is more critical than your download speed. Check with your ISP or Internet provider to see what packages they offer and you might even be able to upgrade for only a few dollars more a month!

Now, once your Internet connection is worked out, you will want to look at how you are connecting to the Talkshoe Service. Talkshoe allows several methods of connecting including landline or cell phone by way of 724-444-7444 and of course this may be a toll call depending on your phone service, so expect long distance charges when calling this number, especially if you don’t have a good long distance plan on your land line or cell phone. Another way to connect is by the SIP Interface using Gizmo, SJPhone or XLite and of course, don’t forget the Shoephone that is built into the Talkshoe Pro Client. And then of course, there is Skype. With Skype, you can purchase an outgoing plan for around $36.00 US per year and you will have the ability to dial into Talkshoe using the 724-444-7444 number WITHOUT long distance charges! We’ll talk more about these alternate methods of dialing in shortly when we discuss some of the equipment you will need.

Ok, one quick comment about dialing in before we move on, remember, depending on how you are dialing in or connecting to the Talkshoe service, will greatly affect your audio quality and your recording quality. If you dial in using a cell phone, for example, then you quality will be lower as this will be an analog or phone quality audio. When you connect using Skype or SIP, then you will have a higher quality, because your connection is a higher quality connection. Again, we’ll talk more about quality when we discuss the equipment later.

Talking about equipment, a good microphone and headset will go a long way to helping you to have a great quality audio and recording. Most places such as Radio Shack, Office Depot, Office Max, Staples and even Wal-Mart carry quality products at low prices to get you started.

Listen to this episode in the player below to hear what some of the listeners had to say about this topic!

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60. Car Shopping

Shop around for the best price. While you may have your eye on that “perfect” car and want it now, by waiting and looking around, you could be saving yourself a lot of money. In addition, check out other states. If you live within a few hours drive from other cities, check out the price difference. The five hours it takes to drive may be worth the money saved.

61. Check Receipts and Statements

If you were to check your grocery or store receipt, approximately 50% of the time you would find an overcharge. This happens all the time and in some cases, the charge can be substantial. The same is true for credit card statements, bank statements, phone bills, etc. Check the detail because it is quite common to find errors. These mistakes can easily be corrected simply by asking and providing a copy of the receipt or statement.

62. Overdraft Protection

Almost everyone has at one point or another had an insufficient check. Most banks charge $20 per returned check, which if not careful with your account, can quickly add up to a lot of money. If you have a savings account, consider adding overdraft protection onto your checking account so if you ever go into a negative balance, the money would automatically be covered by your savings. Most banks offer this service free.

63. Bank Accounts

Make sure you work with a qualified banker that can set up the “right” kind of account for your type of spending. There are numerous options specifically designed for people that write a good number of checks versus those who do not. Check with your existing bank to ensure you have what you really need and if they are not willing to work with you, change banks. In general, credit unions are good options. Their rates are typically lower and because they are employee owned, you can find better options.

64. Organization

You may be wondering what being organized has to do with saving money but in reality, it has a lot to do with it. For example, if you miss a credit card due date by one day, you will be charged anywhere from a 15% to 25% penalty. The same would be true for taxes. Missing one simple date can cost thousands. You need to be organized so you know the exact dates your bills are due as well as keep all receipts, contracts, etc. in an orderly manner.

65. Good Health

You need to make sure you take care of yourself physically. Missed dental cleanings (every six months) can lead to gum disease or tooth decay that can cost thousands to fix. The same is true for your health. After trying home remedies or over the counter medications, if you still do not feel well, see a doctor. It is far better to pay the doctor visit than to let your simple summer cold turn into pneumonia.

66. Automobile Care

Keep your car oil changed, tires rotated, and overall care up-to-date. First, the $30 for your oil change will save wear and tear on your car, which could result in significant money. Second, you need your car to get to and from work. By not having your car in top working condition could put you in a bad position when it comes to required transportation.

67. Vacations

While Paris, England, or Germany offers excitement, they also cost money to visit. Unfortunately, people on a regular basis forget about the United States and even the very state in which they live. One man had lived in Arizona his entire life. At age 50, when asked by a friend what the Grand Canyon was like, he was unable to answer because he had never been there. The next time you get ready to plan your family vacation, look around where you live and consider an exciting road trip that will not only be educating but cost effective. A vacation does not have to be expensive to be fun and memorable.

68. Borrowing Money

Unless you have an emergency, avoid those enticing advertisements to lend you money at incredible rates. Banks and lending institutions make it much too easy to borrow money and especially during the holidays, they flash all their great advertisements drawing people in. Afterwards, you have borrowed money that you could have done without and now you are locked into a five-year repayment contract. If you want a new car or boat, it is better to save. If you do need a new car, avoid brand new cars, which lose massive amounts of appreciation the minute you drive off the lot. Instead, look for something a year or two old where you will still have a nice car but much more in line with an appropriate cost.

69. Repair versus Replace

Instead of spending $1,000 on that beautiful new couch, you might consider one of two options. If your couch frame is still good, you might spend $300 to have it recovered or purchase a quality slipcover for $100. Your couch will look brand new for much less, than it would to replace. Another example would be if you have a lamp that you want to replace. Consider painting it and adding a new shade rather than spending money to buy a brand new one. Perhaps you have a washer, dryer, or refrigerator that is running a little sluggish. Find out the cost of repair over that of purchasing a new one. Even if you have an appliance with the wrong color, businesses offer fantastic paint jobs. With a little creativity, you will be amazed at how much can be repaired, thus saving you money.

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Popularity: 5% [?]

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As a writer, you probably already use a computer and the Internet. You may maintain your own web site to showcase your writing abilities. However, many other opportunities abound when you have writing skills. You may want to consider a few of the best home based business opportunities.

As an online writer, you can publish your own ezine or electronic magazine. The Internet essentially levels the playing field for writers as you don’t have to wait for a publisher to discover you. If you have the desire to publish an ezine, you can get started with very little upfront money. By using various self-promotion techniques, writing your own ezine can become one of the best home based business opportunities available to you. Alternatively, you could publish your own weblog or blog. Pick your own platform or just write to get your name out there. Your possibilities are limited only by your imagination and time.

Another one of the best home based business opportunities for writers is blogging or writing for hire. Many businesses and individuals want to maintain blogs for different reasons but don’t have the time or the experience to do so. They will often pay a professional writer to maintain this aspect of their business. They may also require other types of writing for their web sites or offline needs. You can find out about these types of opportunities in different writing magazines both on and off the Internet.

And, of course, one of the best home based business opportunities for any writer is freelancing. You may choose to sign up at a site like http://www.elance.com where you can bid on different writing jobs from all over the world. So many different possible projects exist for a freelancer. You could write sales copy for businesses, write business correspondence or even ghostwrite books. The list goes on and on.

Many of the best home based business opportunities for writers are available either on the Internet or through the Internet. You just need to get out there and find the best one for you.

Popularity: 6% [?]

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You’ve written and compiled an ebook. Now you have to
decide how much to charge for it. Finding the right
price is essential to the success of your product. If
you charge too little, people will think it’s of
little value, and they won’t purchase it, or even it
they do buy your book, you will have to sell thousands
of copies to get to the point where you can begin to
see a profit. If you price it too high when compared
with your competition, you will find yourself steadily
lowering the price, which will cause you all kinds of
new problems in the future. For example, if you sell
your ebook at first for $39.99, and later reduce it to
$24.95, don’t you think the people who bought it for
$39.99 are going to be PISSED?

Choosing the right price for your ebook is one of the
most critical parts of the marketing process. The
first rule of pricing ebooks is to never underprice.
Determine the highest price your audience can afford,
and then if you find your book isn?t selling, you can
always reduce the price. Before you take that step,
make sure you are promoting your book like crazy on
the Internet and on websites. The price should be
aimed at bringing in profits, but you should never
forget that price is one of the factors that people
use in judging the value of your ebook ? before they
buy it. So always start with the highest price, and
then launch a mega-marketing campaign.

Pricing an ebook is particularly difficult because
ebooks are a fairly new commodity. Since they are
digital, the value of an ebook is as confusing as the
understanding of what digital actually is to the
average layperson. This means that we must look at
ebooks in a different light in order to determine
their actual worth in this brave, new cyber world.

Let’s look at the difference between a book in print
and an ebook. A printed book is an object you can hold
in your hand, store on your bookshelf, even hand down
to the next generation. It is priced on factors such
as paper stock, design and production costs, and
marketing.

But the fact that unites ebooks and print books is
that they are composed of ideas. It is the ideas in
these books that have the ability to change, or
possibly transform, people’s lives.

What do you think an idea is worth when evaluated
against the cost of paper and ink?

It is the IDEAS that are valuable! That is how you
determine the cost of your ebook.

What should I charge for my ideas?

There are all different formulas and methods for
determining the correct price for your ebook. Let’s
begin with honing in on your ultimate goals.

Decide if your goal is to get wide distribution and
maximum exposure. This goal is aimed at drawing
customers to your business or service, or to
establishing the credibility of your reputation. If
this is your main goal, you should aim to keep your
price on the low side. Some authors have even priced
their ebooks at a profit loss to draw a high number of
new customers. The key is to find a price that
maximizes your profits and the number of books you
sell.

This is an excellent pricing strategy if you are
looking to acquire long-term customers. Long-term
customers are extremely likely to buy from you again
and again ? as long as the first ebook they buy is of
exceptional quality and beneficial to the customer.

However, if your book contains valuable ? and more
importantly NEW information, references, or techniques
? then you should aim to price it on the high end.

After you figure out your goal, you must figure out
what your audience’s need is for your ebook. For
example, does your book solve a particular problem? If
it does, and solves it in a way that hasn’t been
written about in one hundred other ebooks, you will be
able to achieve high sales at a high price. If your
book solves a problem or answers questions in a new
and unique way, you should price your book as high as
you can go. You will achieve larger profits this way,
but bring in fewer customers. Just make sure the
question or problem that your book solves is one that
is important and relevant to the majority of your
market audience. If your ideas are not common
knowledge, or you are presenting a brand new
technique, you will be able to sell books at a high
price. Just be prepared for your competition to
undercut you on price as soon as they hear about your
book.

Keep in mind that the above pricing strategy is
temporary. Eventually, you will cease to sell books at
this high price. So figure out in advance how long you
plan to offer your ebook at this high price, and when
that time is up, change your pricing strategy.

If you want to see large profits over customer draw,
aim for an audience that is looking for easy solutions
to their problems at a low price. If your book is
aimed at solving one particular problem rather than
general advice, then you can charge more. Start at the
highest price the market will bear to bring in the
largest profits, and plan to discount the book a
number of times throughout the year.

Marketing Strategies

The key that unlocks the sales potential of your ebook
is to find a single sentence that becomes your selling
handle. This sentence states what question or problem
your book answers and the benefits your ebook can
provide. Then be sure to use that sentence in every
piece of sales and promotional material, and every
time anyone asks you about your ebook.

Besides promoting your books assiduously online, there
are several other strategies that can help you sell
more books.

One is to give something away for free with your book,
such as a valuable bonus item. Or bundle several
ebooks under one price, which lowers the price for
each ebook if they were sold separately.

An effective technique for figuring out a price is to
send out a survey to your current customers. If these
customers have already bought an ebook from you, ask
for their opinion in terms of price. Do this by
creating a sales page for the new book, but don’t
include a price on that page. Instead, add a number of
links to survey questions that ask pointed questions
to aid you in assigning a price to your ebook.

Another strategy is to test out prices by creating a
number of duplicate sales pages with different prices
on each page. Make sure your sales copy is exactly the
same on every page, and includes your selling-handle
sentence. Then figure out for each page the conversion
ratio between visitors to your site and sales of your
book. This will tell you what your optimum price is.

Ultimately, if you’ve written a book that solves a
problem or presents a new technique, your book will
bring in both traffic and profits. So be sure to write
that selling-handle sentence that sums up what problem
your book solves and what the benefits of your book
will be to the customers who purchase it. And then
watch your market come to you!

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Popularity: 9% [?]

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I’ve been off the grid for the past two weeks, well not completely off, but not completely on either. Things have been pretty hectic at my day job recently and my family life has been almost as hectic, so my PC time has been cut severely short of late. For this reason, I haven’t posted too much or paid too much attention to my sites. I have been keeping up with and will continue to keep up with the Talkshoe Support, however, I am going to take a much needed break from consulting and just concentrate on getting my sites caught up and updated and catch up on some rest at the same time. If I am already consulting with you, I will continue to do so, I just won’t take on any new clients for a couple of weeks. Please continue to contact me as I may come back without notice though!

So, I just wanted to let you know why I have not been around much, but never fear, I will be back in the saddle again soon!

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Popularity: 6% [?]

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Last week, there was no show and of course, you probably already know that, especially if you attend regularly. I was under the weather and due to the cold I had, I lost my voice and well…for a talk show, the host losing their voice isn’t a good thing!

I’m much better now and when last we met, we discussed a lot of topics thanks to our Open Mic Night! We will definitely make this a regular event for future shows. This week, kind of keeping up with an Open Mic theme, ok, not really like it, but similar, we will discuss “What Makes An Expert…An Expert” anyway? This should be fun and I hope to get your thoughts and opinions on this topic as we go through tonight.

So, when someone professes to be an expert, how did they get that designation? Did they go to college and get a degree? Did they work in a particular job for a number of years and gain a bunch of experience? Did they just all of the sudden one day tell the World that they are an expert and expect everyone just to believe it? Let’s look at these questions and your thoughts on this topic and see what we come up with!

Take a college graduate for example. They have a degree in a certain subject or disipline, but no real world experience…does this make them an expert in that subject or disipline just because they have a piece of paper that says they took those courses? What if they have the degree and then get the real world experience to back up that piece of paper, now are they an expert?

According to today’s business standards, a person with a college degree and no real world experience will be hired over a person with no degree and real world experience, because the college graduate took some courses, so they MUST know what they are talking about and can prove, because the took the courses, that they can do the job better than someone that has the real world experience. But we all know, that just isn’t the case most of the time. Real world experiences are hardly ever found in a text book and what is found in the text books are hardly ever found in the real world!

So, the question begs to be answered, is this college graduate an expert since they have no real world experience?

Let’s look at an example from my own real world experience with the above scenario. We’ll call this college graduate “John”, not his real name and he has a degree. Now John, gets a job as an Engineer, and says he has an Engineering Degree, but in reality, he never finished, much less started, the Engineering Course. His degree is in something non related to the Engineering Job he is applying for. Now the employer doesn’t bother to check as they trust John because he “talks a good talk”. John gets the job, the big salary, corner office and is immediately put in charge of a few people, even though, he has never supervised anyone prior as his only real world experience has been driving a cab. John reads a lot of books and retains most everything he reads and when he doesn’t know the answer, he just talks some technical sounding jargon, makes it sound good and then immediately changes the subject. So, knowing John now as you do, is he an expert Engineer? I mean, he got the job, “looks busy” all the time, doesn’t take a lunch, works overtime without pay and tries to be something to everyone he comes in contact with so that he can establish himself in his job. Now is he an expert?

What about the college graduate that after he graduates, gets a job using his degree in the disipline or subject of that degree, works that job for many years, knows everything about the subject and the job, is the go to guy for answers, maybe even comes up with better fixes for issues that come along…is he an expert?

How about the person that has many years of real world experience, maybe in different subjects, no college degree because they were working to build a career or raise a family, is the go to guy for answers, knows everything about the job they are doing…are they an expert?

Or you take someone like John that we talked about earlier, they just show up one day and proclaim themselves as an expert at that job, claims to have a degree but never can produce it or won’t produce it, always has an excuse for their “wrong answers” when proven wrong, but they still claim to be an expert…are they an expert?

Listen to this great discussion in the player below!

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Popularity: 6% [?]

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Blogging is a concept that started in late 90s. It used to be a way to comment an existing webpage, an opportunity for visitors and readers to react or voice out one’s opinion on the said page. What started as a single-sentence commentary has evolved into pages of personal take on just about anything and everything under the sun. As it continues to move forward, online advertising has tapped into the blog’s potential. Here are 5 reasons why you should use blogging as an Internet marketing tool.

1.Blogging is simple. The simplest way to get your piece on the net is through blogging. No skills are necessary… an average adult can read and type, or at least click a mouse. It’s like having a virtual piece of paper and you just write your ideas, experiences, new products, and hope that the truth behind your articles comes out and entice your reader to also try your product. If you have a PC and an Internet connection (who doesn’t?) then you can blog and advertise.

2. Blogging is authentic. In this day and age where advertising saturate our lives, we question the credibility of promoters’ claims. However, in blogs, real people share their real-life experiences, unscathed by paid advertising. Reading blogs about first-hand product use is like talking to people about their first-hand experience. You definitely want to buy a tried and tested product.

3. Blogging is free. Because blogging is yet to be proven as a mainstream online advertising media, most sites see it as something to augment current marketing tools and thus offer it for free. Any opportunity for free webtime is definitely a bonus especially to businesses that are starting up. Needless to say, paid blog pages can generate more income for your seriously growing business.

4. Blogging builds credibility. As you get more and more into writing your experiences on a particular product or industry, your readers come to realize that they can depend on your posts for their own information needs. As such, you become an expert on it; as a consequence, more readers visit your site and more bloggers link to your blogs. As companies and professional organizations notice the growth of your readership base, they may soon get in touch with you for advertising on your blog page, or make you an affiliate, which pays for every referral generated from your blog site.

5. Blogging builds your market. Unless you are a Hollywood star, chances are, only your Mom reads your posts. Mom has a lot of friends, so she lets her friends know how interesting your blog site is. But you need not depend on Mom to increase your readership base. Look into the following ways to build your market through blogging:

-By using your e-mail. Today, blogging is overcoming the e-mail’s popularity in quickly and effectively reaching and expanding a market. In this age of speed and quick access, logging in and downloading e-mail is simply taking longer than clicking into a blog site. Let them explore your site by using a short e-mail message as teaser to your blog site. If your e-mail is on an entirely different subject, use your e-mail signature to give a link to the site.

-By using subscription. An easy way to get your readers e-mail is to give them an opportunity to subscribe to your blogsite. Keep some exclusive information for your subscribers to entice readers to subscribe and give their e-mail address. Just be responsible in using their e-mail address, as the last thing you want is a comment on your blog that you are a spammer.

-By understanding your readers. Conduct a simple survey for your readers to understand their profile and advertising preferences. Ask consumers to give you feedback on a post, an ad link, or a trial that you shared. In this way, it is like interviewing your readers without the commitment and intrusion of a face-to-face interview.

-By joining a blog network –A network of blogs maybe a collection of blog sites that share the same industry, interest, readership base, payment mode, etc. Consumers find credibility and convenience in clicking one link to several real bloggers about a single subject. Clearly, more bloggers are better than one.

-By using RSS. RSS is the fastest growing technology on the Internet today. As such, having RSS feeds to your blog is definitely another means of generating awareness for your readership base. Having a variety of feeds can add interest to your blog site.

Give your business a boost by effectively using blogging as an Internet marketing tool.

Popularity: 8% [?]

Sandbox Up For Sale – Scott Wallick, the guy behind the popular WordPress theme Sandbox announced earlier this week that he was going to sell the Plaintxt.org domain as well as the domain associated with the Sandbox theme. Scott states that he simply can not devote the time needed to continue development. Rumor has it that he already has a purchaser for the domains, I’ll keep you updated. – http://www.wptavern.com/sandboxplaintxt-goes-up-for-sale

WordPress 2.7.1 RC 1 Released – Ryan Boren announced on the WordPress Testers mailing list today that WordPress 2.7.1 RC1 has been released. So far, looks like a couple of bugs have been squashed with the potential for a few more before this version hits the public. I expect this version of WordPress to be released either on or shortly after Monday February 9th. – http://www.wptavern.com/wordpress-271-rc-1-released

WPTavern Business Thinktank – Due to popular demand, I have created a new section on the WordPress Tavern Forum called Business Thinktank. Many people operate businesses either on or around WordPress. Some deal with the GPL while others do not. There are many ways in which to operate a business and this section of the forum is for those currently in business or have an idea about a business they are thinking of starting. Please use this forum to discuss the GPL’s impact on your business, ideas for new businesses, existing business models, etc. – http://www.wptavern.com/wptavern-business-thinktank

Plugin Of The Week – Post Templates – Post Templates is a plugin that enables you to save posts as templates. For example, say every Friday you create a Round Up type of post with numerous headings and sections. Using this plugin, you can save that particular post structure as a template for that post every Friday allowing you to save time from copy and pasting the text every week. You can also create Page templates as well. – http://wordpress.org/extend/plugins/post-template/

I will be giving away one Revolution site license courtesy of Brian Garder to one lucky registered member of the forum. In order to win the giveaway, simply register an account on the WordPress Tavern Forum. I will then place all of registered Member IDs into a random number picker. Whichever member ID is chosen will be the winner. The winner will be contacted by means of private message. If an ID is chosen which does not have an account attached to it, I will run the number picker again until a winner is selected. The winner will be announced next week on the Friday the 13th edition of WordPress Weekly.

wordpressreport41

Popularity: 11% [?]

Podcast: Play in new window | Download

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The goal of most business owners is to make money. This often results with the selling of a particular product or service. However, to sell that product or service business owners need to alert the general public. Customer cannot buy a product or a service if they do not know that it exists. That is why, as a business owner, you need to advertise your business.

When it comes to advertising there are many business owners who literally cringe. Are you doing this now? There is a good chance that you are because many advertising methods cost money. As a business owner you want to make money not spend it, right? Unfortunately, if you believe that all forms of advertising take money, you are sadly mistaken. Although you may have to spend money to make your business what you want it to be, there are ways to promote your business and the products or services that you sell without having to spend any money at all.

Is your curiosity peaked yet? There is a good chance that it is, rightfully so. One of the ways that you can promote your online business, without having to spend a dime, is by using something that is readily available online. That thing is an online social networking website. A large number of internet users, in fact millions of them, belong to at least one social networking website.

When it comes to social networking, there are many individuals who think of online friendships or online relationships. While these types of relationships are the most common, did you know that social networking is also used for businesses? In fact, that was originally how social networking got started. If you are a small business owner, especially one that operates an online business, there is a way that you can use social networking sites to your advantage.

Although social networking websites are traditionally focused on those that would like to make online friends or develop online relationships, there are networking sites that are designed for business owners. These websites will not only allow you to share your business information with other business owners, but it will also allow you to develop close relationships with those that share an interest that is similar to yours. Essentially, this means that you could not only learn valuable business information, but you could also walk away with a new business partner or a new friend.

As previously mentioned, social networking websites with a focus on businesses, are a great way to promote your business. However, this does not mean that you should completely forget about the other online social networking websites, the ones that are designed to make online friendships. Although you may not learn any valuable business tips by joining Yahoo! 360 or MySpace, you may be able to get new customers and new customers is exactly what your business should want and need.

If you are looking to join an online community, you will need to create your own profile or profile page. If you are planning on joining a traditional social networking website, to gain access to millions of potential new customers, you are urged to be careful when making your online webpage or profile. One thing that internet users hate is being solicited for business. This does not mean that you cannot use social networking to your advantage; it just means that you need to be careful with how you do it. Instead of creating a MySpace page or a Yahoo! 360 page for your business, you are advised to make one for yourself, but, of course, you will want to include information on your business.

By joining a social networking website, especially one that is popular and has a large number of members, you should be able to generate interest in your business, including the products or services that you sell. Who knows, but that interest generated could turn into sales; thus making your social networking experience more than worth it.

Popularity: 8% [?]

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Credit cards are ubiquitous in our lives.

There are three main types of credit cards that are common in America. They are travel and entertainment cards such as American Express or Diners Card. These have to be paid in full at the end of the month and are liberal on spending limits.

The second major cards are the bank cards such as Master Cards, Visa, GM, and Ford cards sponsored mainly by the banks. The bank defines spending limits, which in the bank parlance, is known as the credit lines, and each offers different terms and conditions. Banks offer a choice of payment methods, either pay the balance in full with no interest or pay a minimum part or some part of the balance with a finance charge.

The other major type of card is the retail store cards such as Sears, J.C. Penney, Shell or Mobil. These cards, known in some countries (the ones from gas companies) as fuel cards are only accepted in specific countries and usually do not have annual fees. There is a wide disparity in the terms and conditions for the cards.

Different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers, while others are set up in ways that work best for small business needs. To know what type of credit card fits your needs, you should review a few of your options.

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