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A company that deals with a lease on behalf of an owner in exchange for a fee is called a letting agency. A range of services can be provided by a letting agent based on what you need. For example, if you have problems with an apartment lease, they can help you in finding a tenant as soon as you need. Preparation of the property before renting, marketing and advertising, conducting safety inspections, scanning of tenants are some of their common tasks.

A letting agency acts as an intermediary and at the same time an institution through which the current owners of the property and potential customers who are interested in renting a property can contact and start the negotiation process. Full Post…

The companies behind the sales pitches claim to have special relationships with credit card issuers. They guarantee that the reduced rates they offer will save you thousands of dollars in interest and finance charges, and will allow you to pay off your credit card debt three to five times faster. They claim that the lower interest rates are available for a limited time and that you need to act now. Some even use money-back guarantees as further enticement. (The FTC frowns heavily on guarantees)

According to the Federal Trade Commission, the companies behind these robocalls cant do anything for you that you cant do for yourself — for free. You have just as much clout with your credit card issuer as these companies, and you are just as likely to get turned down for a rate reduction regardless of their promises or supposed efforts to negotiate on your behalf.  FTC investigators found that people who pay for these services dont get the touted interest rate reductions, dont save the promised amounts, dont pay off their credit card debt three to five times faster, and struggle to get refunds.

Amendments to the FTCs Telemarketing Sales Rule prohibit companies, that sell relief services like these rate reduction scams on the phone, from charging a fee before they settle or reduce your debt. If

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Thanksgiving is just a few days away, and for shoppers, that means one thing: Black Friday is fast upon us. We took a hard look at the other side of Black Friday last year, pointing out that various obstacles could potentially make the holiday less desirable. Yet despite these roadblocks, Black Friday is poised for another big year, perhaps a record one in terms of shopper turnout.

Heres how consumers are expected to approach Black Friday 2011:

According to the National Retail Federation, up to 152 million people plan to shop Black Friday weekend, encompassing Friday, Saturday, and Sunday. Thats up from 138 million people in 2010.

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Thanks to the good folks over at BeatingBroke.com for hosting this week’s Carnival of Personal Finance — the long-running weekly roundup of the best personal finance advice on the Web.
The Carnival of Personal Finance #332 included my post from last week, “We know what we know — except for credit card debt,” which discussed new research from New York Federal Reserve Bank economists showing that credit card debt is unlike all other types of debt. We know how big our mortgage is, how much we still owe on that clunker in the driveway, and how big the student loan debt is — but not credit card debt. We develop amnesia about card debt, underestimating it by as much as half.
Anyway, there are lots of good posts over there at this week’s carnival, so head out that way and help yourself.

Business renters insurance can be purchased by all kinds of business that retail space or rent office. These insurance policies usually offer coverage to rental locations and to the materials or products housed by the rented locations. A renter’s insurance plan is also known for offering protection against liabilities like accidents and crimes resulting in damage of business properties housed by the rented locations.

Personal renters insurance is the renters insurance type offering coverage to personal properties of insured parties i.e. the business owners. Contents of such policies include office equipments, manufacturing equipments, materials, supplies and the finished goods. If the objects included in the contents are damaged due to theft, for or vandalism (policies might include other conditions), the business owners will be offered coverage for the loss.  

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