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What Type of Business Credit Card is Right for You?

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What Type of Business Credit Card is Right for You?

By: Michael Esparza

Business credit cards are cards that are designed for business owners or entrepreneurs who want to separate their personal and business expenses, earn rewards or cash back on their purchases, and access other benefits and features that can help them manage their cash flow and grow their business. There are different types of business credit cards, each with its own advantages and disadvantages. Here are some of the most common types of business credit cards:

Cash back business credit cards: These cards let you earn a percentage of cash back on your purchases, which can be redeemed as a statement credit, a direct deposit, or a gift card. Cash-back business credit cards can have a flat rate of cash back for all purchases, or a tiered or rotating system that offers higher cash back on certain categories, such as office supplies, gas, or travel. Some cash-back business credit cards may offer a sign-up bonus or an introductory 0% APR period.

Rewards business credit cards: These cards let you earn points or miles on your purchases, which can be redeemed for various rewards, such as travel, merchandise, gift cards, or statement credits. Rewards business credit cards can have a general rewards program that offers flexible redemption options, or a co-branded rewards program that partners with a specific airline, hotel, or retailer. Some rewards business credit cards may also offer perks such as travel credits, airport lounge
access, free checked bags, or discounts on partner purchases.

Secured business credit cards: These cards require a security deposit that acts as your credit limit. Secured business credit cards can help you build or improve your business credit score by reporting your payment history to the credit bureaus. Secured business credit cards may have lower interest rates and fees than unsecured business credit cards but may not offer any rewards or benefits. Some secured business credit cards may also offer the opportunity to graduate to an unsecured card after a period of responsible use.

0% APR business credit cards: These cards offer an introductory 0% APR period on purchases and/or balance transfers for a certain number of months. 0% APR business credit cards can help you finance large purchases or pay off existing debt without paying any interest charges. However, you should be aware of the regular APR that will apply after the introductory period ends, and the balance transfer fee that may apply if you transfer a balance from another card. You should also avoid carrying a balance beyond the 0% APR period, as it can hurt your credit score and incur interest charges.

You might be surprised to learn that you don’t need a formal business to apply for a business credit card. In fact, many people who work as freelancers, independent contractors, or side hustlers can qualify for a business credit card based on their self-employed income. To apply for a business credit card without a business, you need to follow these steps:

  1. Research and choose the right card: Compare annual fees, interest rates, rewards programs, and other benefits to find the card that best suits your business needs.
  2. Gather necessary documentation: You will need to provide some information about yourself and your business, such as your name, address, phone number, email, Social Security number, estimated annual income, and estimated monthly spending.
  3. Fill out the application form: You can apply online or by phone for most business credit cards. You will need to enter your personal and business information, as well as agree to the terms and conditions of the card.
  4. Wait for approval: Depending on the card issuer and your credit history, you may get approved instantly or within a few days. Some card issuers may ask you to mail in additional documents for verification, such as tax returns or bank statements.

As you can see, applying for a business credit card without a business is not as difficult as you might think. However, you should be aware of some things before you apply:

Your personal credit may be affected: Since your name and Social Security number are on the card application, the credit check and new account may show up on your personal credit report. This can affect your credit score and your ability to qualify for other loans or credit cards.

You are personally liable for the debt: Unlike some corporate cards that are backed by the
company’s assets, most business credit cards hold you personally responsible for paying off the
balance. This means that if you default on your payments, the card issuer can sue you or garnish
your wages.

You should use the card responsibly: To avoid getting into debt or damaging your credit score, you should always pay your bills on time and in full every month, keep your balance low, and avoid
unnecessary fees or interest charges. You should also track your spending and keep receipts for tax purposes.

Before you apply for any type of business credit card, you should compare the features and benefits of different options and choose the one that matches your spending habits and financial goals. You should also check your business credit score and report to see if you qualify for the card you want and to avoid any errors or fraud. Finally, you should always use your business credit card
responsibly by paying your bills on time and in full every month, keeping your balance low, and avoiding unnecessary fees or interest charges.

Houston Texans Gear Up for Postseason Clash with Cleveland Browns After Securing AFC Wild Card Spot

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Houston Texans Gear Up for Postseason Clash with Cleveland Browns After Securing AFC Wild Card Spot

The Texans are set to play a postseason game on Saturday, marking their return to the playoffs since the 2019 season. The Texans will host the Cleveland Browns in an AFC Wild Card game at 3:30 p.m., showcasing a renewed sense of competitiveness.

The trio of players, left tackle Laremy Tunsil, long snapper Jon Weeks, and kicker Ka’imi Fairbairn, remain the only members of the Texans who participated in the team’s last playoff game in 2019. Their experience will be crucial as the team seeks to navigate the postseason challenge.

The spotlight, however, is on the marquee figures of the Texans’ current roster, particularly the rookies who have played pivotal roles in the team’s 10-7 season and AFC South Division championship. DeMeco Ryans, in his first year as head coach, has led the team with remarkable success. Accompanying him are rookie quarterback C.J. Stroud and rookie defensive lineman Will Anderson Junior, forming a dynamic trio that has captured attention throughout the season.

Notably, Stroud and Ryans have achieved a remarkable feat by becoming the first rookie head coach and rookie quarterback combination to lead a team to the NFL playoffs since Andrew Luck and Chuck Pagano accomplished the same with the Colts in 2012.

The Texans, who faced significant challenges last season with just three wins, clinched their playoff berth by defeating the Colts 23-19 in a crucial game last week. Jacksonville’s loss to Tennessee on Sunday further solidified the Texans’ position as AFC South champions.

Looking ahead, a victory against the Cleveland Browns would propel the Texans into the AFC Divisional Playoffs next weekend. The unique aspect of the NFL playoffs, where teams are re-seeded, adds an element of uncertainty regarding the Texans’ potential opponents in the next round. The destination for the next game, whether it be in Baltimore, Buffalo, Kansas City, or a home game against Miami, hinges on the outcome of the Wild Card games across the league.

Texans fans and football enthusiasts alike eagerly anticipate the team’s performance in this postseason showdown, as the franchise seeks to make a strong statement and advance further in the pursuit of championship glory.

Texans Flock to H-E-B as Arctic Blast Prompts Preparations for Sub-Freezing Weekend

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Texans Flock to H-E-B as Arctic Blast Prompts Preparations for Sub-Freezing Weekend

Texans are gearing up to hunker down in their homes for the impending arctic blast set to bring sub-freezing temperatures this weekend, prompting a rush to stock up on essentials at H-E-B, a popular grocery store chain in the state.

As the news of the approaching cold front spread, many Texans headed to H-E-B to ensure they were well-prepared for the chilly days ahead. However, concerns have arisen among shoppers that the usual abundance of stocked aisles might be compromised. The online joke account Evil MoPac humorously highlighted the phenomenon, advising followers to seize the opportunity to secure large quantities of staples before the inclement weather hits.

Commenters joined in on the jest, suggesting humorous scenarios such as Ted Cruz having a limited time to get to Cancun and sharing observations of a somewhat desolate egg aisle. Some likened the scene at H-E-B to “the Hunger Games” or “worse than Thanksgiving.” Despite the perceived emptier shelves, others acknowledged H-E-B’s crucial role during emergencies, stating that the grocer does more for Texans than the state or local governments in such situations.

Ever since the challenges brought by Winter Storm Uri in 2021, which left many without power for days, Texans have been on high alert whenever ERCOT issues a grid condition notice, especially with the prospect of freezing weather. H-E-B, however, remained open during the 2021 storm, offering a source of relief for those concerned about accessing essential supplies during power outages.

While the encouragement is not to overbuy from H-E-B, residents are advised to take precautions for the upcoming week. Houston Mayor John Whitmire urged people to limit outdoor activities and transportation once freezing weather sets in. Those planning a trip to the store in preparation for the cold snap are advised to stock up on water and high-energy, non-perishable foods such as dried fruit, nuts, cereal, and granola bars.

The trust that Texans place in H-E-B during emergencies and in their daily lives has propelled the grocery store to national recognition. A recent study released this week ranked H-E-B as the top grocer with the strongest customer value proposition in the long term. As Texans navigate the upcoming cold spell, H-E-B continues to play a vital role in meeting the community’s needs.

No Repeat of 2021 Winter Storm: Cold Front to Bring Freezing Temperatures Without Severe Weather Crisis

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No Repeat of 2021 Winter Storm: Cold Front to Bring Freezing Temperatures Without Severe Weather Crisis

Enjoy the current beautiful weather with sunshine and southerly winds warming temperatures into the mid-60s this afternoon, as preparations for a significant change in weather are advised. The arctic cold front is expected to make its arrival on Saturday night, bringing freezing temperatures and triggering weather alerts for the region.

By sunrise on Sunday, most of Southeast Texas will experience temperatures in the 30s, with the freeze line establishing itself north and west of Houston throughout the day. Monday, designated as Martin Luther King Jr. Day, has been declared an ABC13 Weather Alert Day due to the potential for freezing rain in Southeast Texas. Tuesday follows suit as another Weather Alert Day, featuring the possibility of frozen roadways, coupled with a pipe-bursting hard freeze in the upper teens and low 20s. Wind chill factors may make it feel like single digits and teens.

Wednesday morning is predicted to witness another hard freeze, with temperatures dipping into the teens and low 20s, albeit with minimal wind.

The impending arctic front’s impact on the Chevron Houston Marathon is noteworthy, as temperatures during the run are expected to linger in the mid-30s. A north wind at 15 mph may result in a wind chill factor in the mid-20s, and although there might be some drizzle or mist, the forecast suggests overall dry conditions.

Concerns about freezing rain arise for Sunday evening and overnight hours, but most of Sunday appears dry. Martin Luther King Jr. Day is anticipated to be bitterly cold, with temperatures in the 30s and a chance of freezing rain, especially north and west of Houston. Rain showers (60% chance) are expected to coincide with the freeze line, potentially leading to up to a tenth of an inch of freezing rain north of the freeze line. While uncertainties surround the exact location of the freeze line, current forecasts indicate it staying just north of Houston, maintaining temperatures in the mid-30s. However, caution is advised, as the freeze line could approach Houston Monday night, increasing the risk of freezing rain over the city and more of Southeast Texas. The rain is expected to clear by Tuesday.

The possibility of freezing rain, as opposed to snow, is attributed to temperatures a few thousand feet above ground remaining above freezing. Although precipitation may start as rain, it could freeze upon contact with surfaces below freezing, including tree branches, power lines, bridges, and overpasses.

Concerns about spending hours below freezing persist, with the freeze line expected to push through Houston Monday night. If temperatures do not rise above freezing on Tuesday, the region could experience 36 hours below freezing. Even if Houston surpasses freezing temperatures on Tuesday, two stretches of 18-20 hours below freezing are likely on Monday night and Tuesday night.

Forecasts indicate the coldest lows in Houston on Tuesday and Wednesday mornings at 22 degrees and 19 degrees, respectively. While it could get a few degrees colder, it is expected to be colder for locations outside and north of Houston. Tuesday morning is anticipated to feel the coldest, with wind chill readings in the single digits and teens due to a north wind at 25 mph.

Contrary to the polar vortex, this arctic front is not bringing that phenomenon to Texas. Instead, it is pushing cold air from Canada southward. The upcoming weather event is emphasized not to be a repeat of the winter storm in February 2021 that affected the Texas power grid. The current forecast suggests a milder event with freezing temperatures, but not on the scale of the prolonged and severe weather conditions experienced during that challenging period.

U.S. Navy SEALs Missing After Nighttime Boarding Mission off Somalia Coast

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U.S. Navy SEALs Missing After Nighttime Boarding Mission off Somalia Coast

In a concerning development, two U.S. Navy SEALs are reported missing after undertaking a nighttime boarding mission off the coast of Somalia, according to three U.S. officials.

The SEALs were engaged in an interdiction mission, scaling a vessel when one of them was knocked off by high waves. Following their protocol, the second SEAL jumped in after the missing teammate. As of now, both SEALs remain unaccounted for. A search and rescue mission is currently underway in the warm waters of the Gulf of Aden, where the incident occurred, according to two of the U.S. officials.

The U.S. Navy has been routinely conducting interdiction missions, intercepting weapons on ships destined for Houthi-controlled Yemen. However, it’s crucial to note that this particular mission was unrelated to Operation Prosperity Guardian, an ongoing U.S. and international mission providing protection to commercial vessels in the Red Sea. Additionally, it had no connection to recent retaliatory strikes by the United States and the United Kingdom in Yemen over the past two days, nor was it related to the seizure of the oil tanker St. Nikolas by Iran, as confirmed by a third U.S. official.

The officials, speaking anonymously to disclose details not yet public, clarified that the mission aimed at defending ships from launched drones and missiles originating from Houthi-controlled regions of Yemen. The U.S. military has also played a role in aiding commercial ships targeted by piracy.

In an official statement released on Saturday, U.S. Central Command announced the ongoing search and rescue operations to locate the two missing sailors. The command emphasized that additional information regarding the Thursday night incident would not be disclosed until the personnel recovery mission is successfully completed.

The sailors in question were forward-deployed to the U.S. 5th Fleet area of operations, actively supporting a diverse range of missions. The situation remains fluid as the search efforts continue in hopes of a successful recovery.

Archaeologists Uncover Ancient Cities in Amazon Rainforest Dating Back 2,500 Years

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Archaeologists Uncover Ancient Cities in Amazon Rainforest Dating Back 2,500 Years

In a groundbreaking discovery, archaeologists delving into the depths of the Amazon rainforest have unearthed a sprawling network of cities dating back 2,500 years. The pre-Hispanic settlements, characterized by wide streets, long straight roads, plazas, and monumental platforms, were identified in the Upano Valley of Amazonian Ecuador, situated in the eastern foothills of the Andes. The findings were detailed in a study published in the journal Science on Thursday.

A collaborative effort by teams from France, Germany, Ecuador, and Puerto Rico, the discovery is hailed as the earliest and largest urban network of built and dug features in the Amazon to date. Over two decades of extensive investigations in the region, utilizing fieldwork and employing a remote sensing method called light detection and ranging (lidar), contributed to this remarkable revelation.

Lead study author Stéphen Rostain, an archaeologist and director of Research at France’s National Center for Scientific Research (CNRS), expressed his amazement, describing the lidar as providing an “incredible” overview of the region. The laser light technology allowed the researchers to detect structures beneath the thick tree canopies, revealing a comprehensive network of dug roads forming a complete web across the landscape.

The initial inhabitants, dating back 3,000 years, lived in small, dispersed houses. However, between approximately 500 BCE and 300 to 600 CE, the Kilamope and later Upano cultures initiated the construction of mounds and earthen platforms to set their houses on. These platforms were organized around low, square plazas, marking a shift in architectural practices.

Data from lidar unveiled more than 6,000 rectangular and a few circular platforms within the surveyed 600-square-kilometer area. These platforms, measuring about 20 meters by 10 meters, were often arranged in groups of three or six around a plaza, with larger platforms likely serving civic or ceremonial functions. The researchers identified at least 15 clusters of complexes categorized as settlements, some protected by ditches.

The intricate organization of these ancient cities, complete with footpaths and an extensive network of straight roads, challenges previous notions about Indigenous people in the rainforest. Rostain referred to them as “garden cities,” emphasizing a diverse and stratified society with advanced engineering capabilities. The study concludes that the Upano Valley’s garden urbanism provides compelling evidence that Amazonia was not the pristine forest depicted in earlier narratives.

This discovery aligns with similar sites found in tropical forests across the Americas, including Panama, Guatemala, Belize, Brazil, and Mexico. Landscape archaeologist Carlos Morales-Aguilar, a postdoctoral fellow at the University of Texas at Austin, not involved in the study, lauded it as “groundbreaking” and crucial for understanding the cultural and environmental legacy of Indigenous societies in the Amazon region. Morales-Aguilar noted that these findings offer new insights into the complexities of early societies, highlighting advanced techniques in agriculture and urban planning.

Controversy Erupts as Governor Abbott Claims Credit for Not Allowing Border Agents to Shoot Migrants

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Controversy Erupts as Governor Abbott Claims Credit for Not Allowing Border Agents to Shoot Migrants

In a recent interview on the far-right radio talk show “The Dana Show,” Texas Governor Greg Abbott asserted that he deserves credit for prohibiting border agents from shooting migrants crossing the border. The Republican governor’s remarks, made in response to a question about his administration’s approach to controlling the southern border, have sparked criticism from his opponents.

During the interview with host Dana Loesch, an editor at Breitbart News and former National Rifle Association spokesperson, Abbott emphasized that the state is making every possible effort to manage illegal migration. He went on to state, “The only thing we are not doing, we’re not shooting people who cross the border because of course the Biden administration will charge us with murder.”

Critics of Abbott argue that his comments have crossed a line. Congresswoman Veronica Escobar, D-El Paso, expressed her disbelief on X, stating, “I can’t believe I have to say ‘murdering people is unacceptable.’ @GregAbbott_TX It’s language like yours that left 23 people dead and 22 others injured in El Paso.” Escobar was referring to the 2019 incident in El Paso when a gunman targeted individuals in a mass shooting, citing a “Hispanic invasion.”

Texas Democratic Chair Gilberto Hinojosa also condemned Abbott’s remarks, stating, “Time and again, Greg Abbott and Texas Republicans have made it abundantly clear they have no morality or humanity.”

Abbott’s controversial statements come at a critical juncture in border politics. Recently, the Texas National Guard, deployed by Abbott, prevented federal U.S. Border Patrol agents from entering and patrolling a public area in the border town of Eagle Pass. Texas state officials had earlier blocked Border Patrol boats from patrolling a key staging area. In response, the Department of Justice has asked the Supreme Court to order Texas to cease blocking Border Patrol agents, setting the stage for another showdown between Abbott and the Biden Administration.

Start building your credit today!

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Start building your credit today!

By: Michael Esparza

Starting a credit history is important for building a strong financial foundation. A good credit history can help you qualify for loans, get lower interest rates, and rent an apartment. If you are starting out, there are a few things you can do to build your credit history.

  1. Open a Bank Account: Start by opening a checking and savings account with a bank or credit union. This establishes a basic financial relationship and helps you manage your money.
  2. Apply for a Secured Credit Card: A secured credit card is a good option if you have no credit history. You’ll need to provide a security deposit, which becomes your credit limit. For example, if you deposit $300, you can charge up to $300 on your card. Make small purchases and pay the balance in full every month to build a positive payment history.
  3. Become an Authorized User: You can ask a family member to add you as an authorized user on their credit card account. Their positive credit history may be reported on your credit report, helping you start building credit.
  4. Apply for a Starter Credit Card: Look for credit cards designed for individuals with limited or no credit history. These cards might have higher interest rates but can help you build credit if used responsibly.
  5. Apply for a Student Credit Card: If you are a college student, you may qualify for a student credit card, which is designed for young adults who are new to credit. Student credit cards typically have lower credit limits and higher interest rates than regular cards, but they may also offer features that can help you build your credit history and learn financial skills. For example, some student cards may reward you for paying on time, maintaining a good GPA, or giving you access to educational resources or free credit scores. To apply for a student credit card, you may need to provide proof of enrollment, income, or bank account information.
  6. Pay Bills on Time: Pay all your bills, including utilities and rent, on time. Timely payments contribute to a positive payment history. 
  7. Pay Your Credit Card Statement in Full: Paying your credit card balance in full is better than making the minimum payment because it saves you money on interest, builds your credit score faster, and helps you avoid debt collectors.
  8. Keep Utilization Low: If you have a credit card, keep your credit utilization (the percentage of your available credit you’re using) below 30%. This shows lenders that you can manage credit responsibly.
  9. Check Your Credit Report: Regularly check your credit report for errors or inaccuracies. You’re entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian, TransUnion) once a year.
  10. Avoid Opening Too Many Accounts: Opening too many accounts in a short period can negatively impact your credit score. Only apply for credit when you need it.
  11. Diversify Your Credit: Over time, consider having a mix of credit types, such as a credit card and an installment loan (like a personal loan or auto loan).
  12. Be Patient: Building credit takes time. Consistently practicing good credit habits will gradually improve your credit history and score.

Remember, the key is responsible credit management. Pay your bills on time, keep your balances low, and avoid taking on more credit than you can handle. This will help you establish a positive credit history and pave the way for better financial opportunities in the future.
Close-up of several credit cards Description automatically generated

Third arrest made in killing of Savanah Soto and boyfriend Matthew Guerra

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Third arrest made in killing of Savanah Soto and boyfriend Matthew Guerra

A third arrest has been made in the shooting death of a Texas teen and her boyfriend, San Antonio police said.

Myrta Romanos, 47, was charged with three felonies, including altering, destroying, or concealing a human corpse, abuse of a corpse and tampering with evidence, police announced Wednesday.

Her arrest comes one week after police charged Christopher Preciado, 19, with capital murder and Ramon Preciado, 53, with abuse of a corpse. Ramon Preciado’s charge stems from allegedly helping Christopher Preciado move the bodies after they were killed.

San Antonio Police Department Lt. Michelle Ramos said at a news conference Wednesday that Romanos is “maybe a stepmother” to Christopher Preciado, and all three suspects lived together.

Police photo of Myrta Romanos / Credit: San Antonio Police Department
Police photo of Myrta Romanos / Credit: San Antonio Police Department

Savanah Nicole Soto, 18, and her boyfriend, Matthew Guerra, 22, were reported missing in late December before they were found dead in Guerra’s car several days later. The couple disappeared a day before Soto, who was 9 months pregnant, was scheduled to be induced to give birth. Both Soto and Guerra were found with gunshot wounds.

Police said surveillance footage was a key factor in all three arrests. Romanos was seen leaving and returning to her home in a truck with Christopher and Ramon Preciado on the night of the murder, according to police.

The gun used in the killings belonged to Romanos, police said.

Detectives were aware early in the investigation that a third person was involved but there was not enough evidence at the time to confirm it was Romanos, according to Ramos.

Shortly after the murders, police released a video showing what they described as two persons of interest. One person was seen driving a dark Chevy Silverado with a bed cover, and another was seen driving Guerra’s Kia Optima. San Antonio Police Department Chief Bill McManus said the video was recorded “very close to” where the bodies were found and a few days before they were discovered.

“A lot of information on social media that there was a third individual involved, and our homicide detectives were aware of that, however, we were looking for enough probable cause to make that arrest,” Ramos said Wednesday

Ramos said San Antonio police are confident there are no more suspects in the killings.

Milonga del Arrabal – This Saturday!

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Milonga del Arrabal – This Saturday!

Saturday, January 13, 2024

Talento Bilingue de Houston

333 S Jensen St. Houston, TX 77003

The Milonga del Arrabal is a social dance inspired by the Great Milonhas of the City of Buenos Aires. A trip that will take you to feel the atmosphere of the Golden 40s and the splendor of Argentine Tango and its orchestras.

Bring your Tango items that you no longer use and we can sell them at the Arrabal Vintage Store.

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