#bank of america cash rewards | Explore Tumblr Posts and Blogs

beautifulpersonpeach · 4 months

Text

Lol.

This will be short. I’ll go on a little tangent but I’ll tie this back to Jungkook and BTS at the end.

You know, I was mostly ambivalent about the feud between HYBE and Min Heejin until I heard her call Bang Sihyuk and his sycophants “bastards” for ‘overpaying for garbage and forcing everyone to eat it because they think the price makes the music good.’ - I’m paraphrasing a bit because her language was more crude. That made me sit up a bit, because her sentiments mirrored my thoughts about the direction Bang Sihyuk has been taking the company in for some time now.

Another random connection is that, to me at least, it seems clear BigHit is still trying to make the HYBE America investment worth it, given:

1. The unnecessarily long credit lists filled with Scooter-linked writers that appear to have become a fixture of most HYBE releases. Bang PD is clearly taking advantage of Scooter’s connections although it’s yet to yield any significant improvement in music quality, and in terms of chart performance the results are mixed at best;

2. The fact that in addition to HYBE paying US$1.05 Billion in cash for Scooter’s company, essentially overpaying for Ithaca Holdings by consensus estimates (a deal Min Heejin also openly criticized as being hare-brained), HYBE America still generated hundreds of millions of dollars in losses as of the last fiscal year, two years after the acquisition was finalized.

But this is old news, we all knew that.

The thing about Min Heejin’s comments that concerned me is that, despite what is now clearly an underperforming investment both in terms of Scooter Braun himself and the man at HYBE that arranged the deal in the first place, Lee Jae-sang, rather than work to correct course and minimize losses, Bang Sihyuk appears to be doubling down on the deal by rewarding these two men in particular with more music and business opportunities within HYBE, even if the music quality suffers as a result, even if HYBE continues overpaying for shit, and even if the artists/idols are negatively impacted in the process. And according to Min Heejin, one big reason Bang Sihyuk allows it is because those men are adept at greasing his arse and eating it out.

Basically, it’s become an expensive joke. But he’s brute forcing the deal to work because so long as BTS is involved and so ARMYs are involved, it’s a joke that Bang PD is guaranteed to take laughing all the way to the bank.

This is where I say I realized shortly after Jungkook’s fan song for Festa was announced, that I wasn’t excited to hear it. I’m saying this only because now that the song is out, it’s confirmed everything I expected. And also because that apathetic feeling was so at odds with how I’ve been feeling about Jungkook as a person for the last year. If it’s not been clear from my reblogs and gush posts, I’ve been spending the better part of this hiatus loving Jungkook extremely. Jungkook is an empathetic songwriter, an emotive vocalist, a talented producer.

But nothing about Never Let Go is exciting. Who wants to listen to a fan song written by people who’ve never had fans? And on top of that, Jungkook is making less money from that song than any fan song he’s written before. Meaning, the song is mediocre, it feels blatantly insincere in ways only a crowdsourced fan song can be, and Jungkook has to split his revenue from the song with about 10 white people. Just look at this.

I’m actually laughing typing this out, but this turn of events is at least a little tragic.

Golden worked as a concept album because it was a collection of songs Jungkook felt represented his taste, he could take on the challenge of putting out a full English album with some help from the writers, and he showcased new vocal techniques and styles that only showed an evolution from his prior work in BTS. The songs themselves were just okay, good decent pop, but as a collection it worked.

Everything about Never Let Go feels almost audaciously soulless. Not quite a slap on the face but it’s like someone coming all up in your face with a bad case of halitosis and their nose barely touching yours, daring you to do something about it.

I have no issue with HYBE working with Scooter-linked writers or producers if it means something actually good comes of it. But it seems HYBE seems to believe their work is better simply because they slap on as many foreign names in the credits as they can fit. It betrays a worrying mentality about the head honchos in the company. Looking at the peak quality in FACE by Jimin, or in Right Place, Wrong Person by RM, which included acclaimed Korean, other Asian, and Black talent supposedly hand-picked by Jimin and Joon themselves, it’s clear HYBE has access to remarkable home-grown and foreign talent that could improve the work of the members. But what I’m seeing with too much frequency is HYBE picking off the bottom of the barrel in the unending list of Scooter’s contractors and otherwise choosing to do the bare minimum.

And that’s how we end up with a Festa fan song with a topline that sounds like an AI-generated jingle written by a soccer team of hired help.

Or idk, maybe I’m being just a bit too full of it. Maybe I’ve been brainwashed by the witch Min Heejin, maybe this was just one more song Jungkook worked on with his Golden team as he had no time to write a proper fan song, nothing more. And maybe as a silver lining, there are no glaring grammatical errors though I found the ones in My You very charming, and honestly part of the appeal. To hear the way Jungkook sees the fans who have been with him till now, even if in English it didn’t quite make sense.

I said this would be short but I’ve rambled, as usual. Sorry for that. When I started out writing this post, I did intend to keep it short.

To end things on a somewhat lighter note, for me the only thing I’m excited about this Festa, is SeokJin coming back. I’ll be working on a deal during the fanmeet so I didn’t bother participating in the raffle, but I’m happy for the ARMYs who get the opportunity to hug Jin, and for Jin who gets to spend time with his fans after so long. With him returning, things are starting to feel more right, even though there are worrying signs in high places. We’ve got about 1 year left to endure most of the members enlisted and then, the crew will be rounded up again.

Now more than ever, I find myself looking forward to that.

#never let go #bts #Jungkook #Jimin #Namjoon #seokjin #BTS festa #Hybe #BigHit #kpop #min heejin

117 notes · View notes

mostlysignssomeportents · 1 year

Text

Wall Street Journal goes to bat for the vultures who want to steal your house

Tonight (June 5) at 7:15PM, I’m in London at the British Library with my novel Red Team Blues, hosted by Baroness Martha Lane Fox.

Tomorrow (June 6), I’m on a Rightscon panel about interoperability.

The tacit social contract between the Wall Street Journal and its readers is this: the editorial page is for ideology, and the news section is for reality. Money talks and bullshit walks — and reality’s well-known anticapitalist bias means that hewing too closely to ideology will make you broke, and thus unable to push your ideology.

That’s why the editorial page will rail against “printing money” while the news section will confine itself to asking which kinds of federal spending competes with the private sector (creating a bidding war that drives up prices) and which kinds are not. If you want frothing takes about how covid relief checks will create “debt for our grandchildren,” seek it on the editorial page. For sober recognition that giving small amounts of money to working people will simply go to reducing consumer and student debt, look to the news.

But WSJ reporters haven’t had their corpus colossi severed: the brain-lobe that understands economic reality crosstalks with the lobe that worship the idea of a class hierarchy with capital on top and workers tugging their forelacks. When that happens, the coverage gets weird.

Take this weekend’s massive feature on “zombie mortgages,” long-written-off second mortgages that have been bought by pennies for vultures who are now trying to call them in:

https://www.wsj.com/articles/zombie-mortgages-could-force-some-homeowners-into-foreclosure-e615ab2a

These second mortgages — often in the form of home equity lines of credit (HELOCs) — date back to the subprime bubble of the early 2000s. As housing prices spiked to obscene levels and banks figured out how to issue risky mortgages and sell them off to suckers, everyday people were encouraged — and often tricked — into borrowing heavily against their houses, on complicated terms that could see their payments skyrocket down the road.

Once the bubble popped in 2008, the value of these houses crashed, and the mortgages fell “underwater” — meaning that market value of the homes was less than the amount outstanding on the mortgage. This triggered the foreclosure crisis, where banks that had received billions in public money forced their borrowers out of their homes. This was official policy: Obama’s Treasury Secretary Timothy Geithner boasted that forcing Americans out of their homes would “foam the runways” for the banks and give them a soft landing;

https://pluralistic.net/2023/03/06/personnel-are-policy/#janice-eberly

With so many homes underwater on their first mortgages, the holders of those second mortgages wrote them off. They had bought high-risk, high reward debt, the kind whose claims come after the other creditors have been paid off. As prices collapsed, it became clear that there wouldn’t be anything left over after those higher-priority loans were paid off.

The lenders (or the bag-holders the lenders sold the loans to) gave up. They stopped sending borrowers notices, stopped trying to collect. That’s the way markets work, after all — win some, lose some.

But then something funny happened: private equity firms, flush with cash from an increasingly wealthy caste of one percenters, went on a buying spree, snapping up every home they could lay hands on, becoming America’s foremost slumlords, presiding over an inventory of badly maintained homes whose tenants are drowned in junk fees before being evicted:

https://pluralistic.net/2022/02/08/wall-street-landlords/#the-new-slumlords

This drove a new real estate bubble, as PE companies engaged in bidding wars, confident that they could recoup high one-time payments by charging working people half their incomes in rent on homes they rented by the room. The “recovery” of real estate property brought those second mortgages back from the dead, creating the “zombie mortgages” the WSJ writes about.

These zombie mortgages were then sold at pennies on the dollar to vulture capitalists — finance firms who make a bet that they can convince the debtors to cough up on these old debts. This “distressed debt investing” is a scam that will be familiar to anyone who spends any time watching “finance influencers” — like forex trading and real estate flipping, it’s a favorite get-rich-quick scheme peddled to desperate people seeking “passive income.”

Like all get-rich-quick schemes, distressed debt investing is too good to be true. These ancient debts are generally past the statute of limitations and have been zeroed out by law. Even “good” debts generally lack any kind of paper-trail, having been traded from one aspiring arm-breaker to another so many times that the receipts are long gone.

Ultimately, distressed debt “investing” is a form of fraud, in which the “investor” has to master a social engineering patter in which they convince the putative debtor to pay debts they don’t actually owe, either by shading the truth or lying outright, generally salted with threats of civil and criminal penalties for a failure to pay.

That certainly goes for zombie mortgages. Writing about the WSJ’s coverage on Naked Capitalism, Yves Smith reminds readers not to “pay these extortionists a dime” without consulting a lawyer or a nonprofit debt counsellor, because any payment “vitiates” (revives) an otherwise dead loan:

https://www.nakedcapitalism.com/2023/06/wall-street-journal-aids-vulture-investors-threatening-second-mortgage-borrowers-with-foreclosure-on-nearly-always-legally-unenforceable-debt.html

But the WSJ’s 35-paragraph story somehow finds little room to advise readers on how to handle these shakedowns. Instead, it lionizes the arm-breakers who are chasing these debts as “investors…[who] make mortgage lending work.” The Journal even repeats — without commentary — the that these so-called investors’ “goal is to positively impact homeowners’ lives by helping them resolve past debt.”

This is where the Journal’s ideology bleeds off the editorial page into the news section. There is no credible theory that says that mortgage markets are improved by safeguarding the rights of vulture capitalists who buy old, forgotten second mortgages off reckless lenders who wrote them off a decade ago.

Doubtless there’s some version of the Hayek Mind-Virus that says that upholding the claims of lenders — even after those claims have been forgotten, revived and sold off — will give “capital allocators” the “confidence” they need to make loans in the future, which will improve the ability of everyday people to afford to buy houses, incentivizing developers to build houses, etc, etc.

But this is an ideological fairy-tale. As Michael Hudson describes in his brilliant histories of jubilee — debt cancellation — through history, societies that unfailingly prioritize the claims of lenders over borrowers eventually collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Foundationally, debts are amassed by producers who need to borrow capital to make the things that we all need. A farmer needs to borrow for seed and equipment and labor in order to sow and reap the harvest. If the harvest comes in, the farmer pays their debts. But not every harvest comes in — blight, storms, war or sickness — will eventually cause a failure and a default.

In those bad years, farmers don’t pay their debts, and then they add to them, borrowing for the next year. Even if that year’s harvest is good, some debt remains. Gradually, over time, farmers catch enough bad beats that they end up hopelessly mired in debt — debt that is passed on to their kids, just as the right to collect the debts are passed on to the lenders’ kids.

Left on its own, this splits society into hereditary creditors who get to dictate the conduct of hereditary debtors. Run things this way long enough and every farmer finds themselves obliged to grow ornamental flowers and dainties for their creditors’ dinner tables, while everyone else goes hungry — and society collapses.

The answer is jubilee: periodically zeroing out creditors’ claims by wiping all debts away. Jubilees were declared when a new king took the throne, or at set intervals, or whenever things got too lopsided. The point of capital allocation is efficiency and thus shared prosperity, not enriching capital allocators. That enrichment is merely an incentive, not the goal.

For generations, American policy has been to make housing asset appreciation the primary means by which families amass and pass on wealth; this is in contrast to, say, labor rights, which produce wealth by rewarding work with more pay and benefits. The American vision is that workers don’t need rights as workers, they need rights as owners — of homes, which will always increase in value.

There’s an obvious flaw in this logic: houses are necessities, as well as assets. You need a place to live in order to raise a family, do a job, found a business, get an education, recover from sickness or live out your retirement. Making houses monotonically more expensive benefits the people who get in early, but everyone else ends up crushed when their human necessity is treated as an asset:

https://gen.medium.com/the-rents-too-damned-high-520f958d5ec5

Worse: without a strong labor sector to provide countervailing force for capital, US politics has become increasingly friendly to rent-seekers of all kinds, who have increased the cost of health-care, education, and long-term care to eye-watering heights, forcing workers to remortgage, or sell off, the homes that were meant to be the source of their family’s long-term prosperity:

https://doctorow.medium.com/the-end-of-the-road-to-serfdom-bfad6f3b35a9

Today, reality’s leftist bias is getting harder and harder to ignore. The idea that people who buy debt at pennies on the dollar should be cheered on as they drain the bank-accounts — or seize the homes — of people who do productive work is pure ideology, the kind of thing you’d expect to see on the WSJ’s editorial page, but which sticks out like a sore thumb in the news pages.

Thankfully, the Consumer Finance Protection Bureau is on the case. Director Rohit Chopra has warned the arm-breakers chasing payments on zombie mortgages that it’s illegal for them to “threaten judicial actions, such as foreclosures, for debts that are past a state’s statute of limitations.”

But there’s still plenty of room for more action. As Smith notes, the 2012 National Mortgage Settlement — a “get out of jail for almost free” card for the big banks — enticed lots of banks to discharge those second mortgages. Per Smith: “if any servicer sold a second mortgage to a vulture lender that it had charged off and used for credit in the National Mortgage Settlement, it defrauded the Feds and applicable state.”

Maybe some hungry state attorney general could go after the banks pulling these fast ones and hit them for millions in fines — and then use the money to build public housing.

Catch me on tour with Red Team Blues in London and Berlin!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/06/04/vulture-capitalism/#distressed-assets

[Image ID: A Georgian eviction scene in which a bobby oversees three thugs who are using a battering ram to knock down a rural cottage wall. The image has been crudely colorized. A vulture looks on from the right, wearing a top-hat. The battering ram bears the WSJ logo.]

#pluralistic #great financial crisis #vulture capitalism #debts that can’t be paid won’t be paid #zombie debts #jubilee #michael hudson #wall street journal #business press #house thieves #debt #statute of limitations

129 notes · View notes

brb-on-a-quest · 5 months

Text

The Toxic relationship between America and England As Told by Me Which Will Have Many Questionable Oversimplifications Due To the Lack of Time I Currently Have Before My Last Final Paper For A Different Class is Due: a story told by me. Tagging @igotthisaccountunderduress bc she asked for this specifically and now must suffer the consequences

Source: My history notes and a chat where I have infodumped all this to my best friend who has somehow still put up with all of my ramblings. If people would like I can and will make a series out of this with more actual research because Damn History is so much more interesting when it's not for the grade and stress and finals (like I love the tea, love the reciepts, but to memorize all of it on top of other things? *stress ensues*

((Under cut))

There was a war. There have been many wars. But during this period of like literally forever ago England, Spain, and France really just couldn't stop bickering at each other like siblings. This became more problematic when Spain started getting Colonies in this New World after the whole Christopher Columbus shenanigans (Fun fact: Isabel and Ferdinand really only sponsored like 20% or 30% of Columbus' original costs; Columbus still had to like find the other major chunk of it through sponsorships and donations). But anyway Columbus Task Failed Successfully and discovers Not India/Spice Islands but ~a whole new world~ (so many more shenanigans with that Columbus had to straight up lie to his crew multiple times to stop mutinies from happening I want to read his diaries at some point bc the more things I hear the more intrigued I get). But anyway Spain gets a lot of shiny new income in plenty of resources, spices, diseases, tomatoes, chocolate, etc.

England and France get jealous. France is like "omg I want some" and they go to Not The Spice Islands via the fabled "Northwest Passage" and get to canada and make bank off fur trading. England however in true Chaotic Sibling Fashion originally goes "why would I need to go over to America when I can just steal from France and Spain"

and thus PIRACYYYYYYY yo ho ho ho and a bottle of rum for meeeee

Spain and France are (unsurprisingly) Not Cool with this whole "sharing is caring" attitude of England and again more wars start. England in the meantime decides it wants to get its stuff together and allows the prototypes of corporations called Joint Stock Companies (basically a bunch of people would share the risks and the reward of running a business) that lead to the Virginia Colony. There were also people who were cashing in royal debts in exchange for land in the new world (the Calverts who started Maryland who wanted to Bring Back The Feudal system and that went so well for them *cough cough*/sarcasm) and a bunch of people who wanted to ability to Practice Their Religion Better than Other People (there was religious persecution when Queen Elizabeth was reigning during the Great Migration of people to America but from my understanding it was more like she didn't care what you did if you were loyal to England but also that is literally only from my professor and I have heard conflicting stories with other professors soooooo take this with a heavy grain of salt).

Anyway now with income coming in from the Americas both Spain and France and England are doing relatively well for themselves. And then guess what happens. Ah yes, more jealous and fighting. In this case, it's over the Ohio Valley Area because both countries wanted to expand their holdings in the new World. Basically this area touched Canada and France is like "C’est à moi" and England's like "GET YOUR TOASTY BAGUETTES AWAY FROM MY LAND" This leads to what we call here the French and Indian War (also called the Seven Years War in Europe I think, a lot of wars have American Names vs European names). Despite being called "The French and Indian War" here, it was fought by England and their Indian Allies and French and their Indian allies. England wins but at what cost?

The cost is money. It's always money. Now everyone has super heavy debt as a sum of like four(five?) wars that are fought in this period of time. England is now trying to raise funds to help get themselves out of the mess they put themselves into. Their solution: make America Pay Rent. Kind of a "we fought this war for *you* actually now give us money for it.

Note: they were only trying to raise part of the money for it via Direct Taxes which are taxes added on top of the price (which btdubs they were paying taxes to England already they were pay just English Version of Taxes which are built into the price so you don't know how much if it is taxes. They were fine with that. They just didn't want extra taxes. So this made them reevaluate their whole relationship with England. It didn't also help that England was starting to revoke some of the major perks like support past the appalachian mountain range, and among other things).

this tulmultuous period can be summed up with (an overgeneralization):

England: *tries to control America over much by being like 'you have to pay taxes on this this and this*

America: fine *just doesn't buy anything from England period until England recants and is like fine you don't have to pay this tax*

England: *plays the jealous girlfriend card* "you can only trade with England!!! No one else!!!

America, the two-timer: *increases smuggling* Also radical terrorists//the sons of liberty start crying for independence (Takes a Long Time For anyone to Listen to them Because Why Would They Rebellion is a stupid idea)

The East India Company thing was such a whole thing that kinda highlights this to an extreme. East India Company was part of the joint stock company that was about to go under because they had taken loans from like literally almost every bank in England. Which if they failed would be REALLY bad news for England. So in an attempt to lower cost, England told East India company that they could bring their tea from india to America directly instead of having to go through british ports as was custom. America took one look at the now So much Cheaper Tea and was like "mmmm sus" and didn't buy it in favor of dutch tea so RIP east India Company. Also Terrorist Group from before burned several of the ships while being disguised as Indians (no one was buying it) and that's what we call the boston tea party. England shut down Boston as they should and basically war ideas were spreading really quickly through new england and further onward (south was less so but they came around).

Anyway. I realize this comes off as very-anti American and it's really not meant to be, both countries were really annoying to each other throughout this whole process. But yeh then theirs gunshots and a declaration of independence and then we barely win by the skin of our teeth (that's mainly bc british merchants were like stop this we can't make money if you're fighting with our best customers at the end) and things get only stranger from there. First modern Democratic Republic so things were bound to get...very wonky.

#brb-rambles #brb-learning-things #again my source is: history prof who I'm pretty sure has been alive since before the revolutionary war #and he was very pro-brit like def would've been loyal to britain in the revolutionary war #tried to be neutral but hard to do with not other research #hope this helps iggy #choose the next one: Abraham Lincoln (the start of his presidency) or if i find my notes the actual things James Madison did #Or Andrew Jackson. He's a character #random question that isn't meant to be weird but may come across as that way #We don't learn too much about canadian history during our stuff: I mainly know french finding out the Wow Canada Exists and America: i want #do you learn anything about american history and what is the narrative like on that?#how do other ppl percieve american history ig

11 notes · View notes

kepley · 1 month

Text

How Does Bank of America Compare to Other Major Banks?

Bank of America is one of the largest banks in the U.S. They have a strong network of branches. You can find them in many places. This makes them very convenient. If you need to deposit cash or talk to someone, it’s easy. Many people like this. Other big banks like Chase and Wells Fargo also have many branches. But Bank of America stands out for its easy access. Their customer service is also good. However, some say they prefer smaller banks for a more personal touch.

Bank of America has many services. They offer checking, savings, and credit cards. You can also get loans and mortgages. Their mobile app is simple to use. It lets you check your balance, pay bills, and send money. Many users love this app. They say it makes banking easy. Other big banks also have apps. For example, Chase’s app is popular too. But Bank of America’s app has a strong reputation. It’s reliable and fast.

When it comes to fees, Bank of America is similar to other big banks. They have fees for overdrafts, monthly maintenance, and out-of-network ATMs. But you can avoid some fees. For example, by keeping a minimum balance. Some people find these fees high. They compare them to online banks like Ally, which have lower fees. Still, Bank of America offers good benefits. Their rewards programs on credit cards are popular. Overall, Bank of America is a solid choice. They compete well with other big banks.

Discover Seekiny: Your Comprehensive Source for USA Contact Information

For in-depth access to extensive USA contact details, explore the Seekiny directory. Offering a wide array of listings, this resource ensures you can find specific contacts across various industries and regions within the United States. Whether you're searching for business contacts, customer service numbers, or professional connections, Seekiny is a dependable platform to streamline your search. Utilize its user-friendly interface and vast database to access the most relevant and current contact information tailored to your needs. Efficiently uncover detailed American business contact information with the Seekiny directory today.

2 notes · View notes

zenless-zone-zero-updates · 1 month

Text

Zenless Zone Zero Version 1.1 Twitch Livestream Incentive Program

Dear Proxies,

Registration is now open for Zenless Zone Zero's first Twitch Livestream Incentive Event. Complete streaming and watching tasks for the chance to win cash and Polychrome rewards!

Event Duration

Registration Period: Aug 9 19:00:00 – Sep 3 23:59:59 (UTC+8)

Livestream Period: Aug 14 11:00:00 – Sep 3 23:59:59 (UTC+8) (You can still register for the event during the livestreaming period)

Cash Prize Results Announcement & Information Collection: Sep 15 10:00:00 – Sep 29 10:00:00 (UTC+8)

Estimated Cash Reward Distribution: Oct 15 00:00:00 – Nov 13 23:59:59 (UTC+8)

*In-game rewards can be claimed on the page in real-time. It's first come first served!

Email Notification: Players who successfully register will receive a welcome email containing event details within 1-2 business days. Players can also check their registration status on the registration page.

How to Participate

1. You will be eligible to participate in the livestream event after completing all of the following:

a. Register for the Version 1.1 Twitch Livestream Event

b. Link your HoYoverse account to an email address

c. Link your HoYoverse account to your Twitch account.

d. Register using a Zenless Zone Zero account on America, Europe, Asia, or TW, HK, MO servers.

e. During the event, participants must stream in the Zenless Zone Zero category on Twitch

2. No inappropriate behavior will be tolerated and will affect the participant's eligibility for future related events.

Examples of inappropriate behavior include:

a. Streamer A remains online in Zenless Zone Zero for 24 hours without activity

b. Streaming content unrelated to Zenless Zone Zero in the Zenless Zone Zero category

c. Participants leaking or extensively discussing any content from pre-release versions

3. There is a Report button on the registration page where players can click the button to report streamers' inappropriate behavior. After verification, we will disqualify this streamer from participating in the event.

4. The Zenless Zone Zero team reserves the right to determine/cancel participant eligibility before, during, and after the event.

5. The Zenless Zone Zero team will assess all participants to determine if they qualify for prizes.

https://hoyo.link/3NIkFGAL

Data Notes

1. Total Live Stream Duration (Hours Streamed): The total duration of Zenless Zone Zero-category livestreams your linked Twitch account has streamed during the event

2. Total Watch Duration (Hours Watched): The total duration that Zenless Zone Zero-category livestreams streamed from your linked Twitch account have been watched during the event

3. Average Concurrent Viewers (Avg. CCV): The average number of concurrent viewers for Zenless Zone Zero-category livestreams streamed from your linked Twitch account during the event

4. All relevant data is subject to the data displayed on this website. Please do not refer to the data provided by third-party websites.

5. Our page will provide real-time leaderboard data for streamers (including their ranking, total watched hours, and average concurrent viewers).

6. Data updates in the personal center may be delayed by 1 to 5 minutes.

7. If you receive rewards under the Most Hours Watched Rankings or Star Creator Leaderboard, we will display your three streaming metrics publicly on the webpage and gather your PayPal or bank payment details after the event for cash prize distribution. Please ensure the information you provide is correct and valid. The Zenless Zone Zero team will not be responsible for any prize distribution issues resulting from inaccurate information or if the country/region you reside in does not support the above two methods of payment.

8. By participating in this event, you agree to:

a. Event Terms and Conditions https://hoyo.link/ePKkFBAL

b. Zenless Zone Zero Privacy Policy https://zenless.hoyoverse.com/company/privacy

c. Twitch Privacy Policy https://www.twitch.tv/p/legal/privacy-notice

Rewards Rules

Rewards are limited and can be claimed on a first-come, first-served basis. It is advised to promptly claim your reward upon meeting the conditions to prevent any issues with reward distribution if the maximum limit has been reached.

All participants must manually claim their rewards before 10:00 AM on Sep 15 (UTC+8). Unclaimed rewards will expire and will not be re-issued.

Stream Watching Benefits

Rules:

During the event, watching any Zenless Zone Zero stream with Drops enabled for 15 minutes will earn you a reward. Accumulate 120 minutes of viewing time to receive 50 Polychromes!

There is no limit to the total quantity of rewards

Requirements/Rewards:

Watch for 15 min total: Denny ×12,000

Watch for 30 min total: Senior Investigator Log ×2

Watch for 45 min total: W-Engine Energy Module ×3

Watch for 60 min total: Bangboo System Widget ×2

Watch for 120 min total: Polychrome ×50

Rewards can be accumulated. Meet the highest requirement to claim all rewards.

Daily Stream Rewards

Rules:

Throughout the event, starting at 10 AM each day (UTC+8), who streamers stream in the Zenless Zone Zero category on Twitch for 30 minutes will earn a reward. Accumulate 60 minutes of time watched in one day to receive 10 Polychromes.

All rewards are issued on a first-come, first-served basis. The current day's remaining rewards will be displayed on the page.

(Rewards are refreshed daily at 10:00, UTC+8)

Requirements/Rewards:

Stream for 30 mins or more: Official Investigator Log ×6

Stream for 60 mins or more: W-Engine Energy Module ×5

Watched for 30 min or more: Denny ×11,111

Watched for 60 min or more: Polychrome ×10

Rewards can be accumulated. Meet all the requirements to claim all rewards.

Rewards are based solely on the current day's stream data. The previous day's data does not accumulate with the current day.

Weekly Check-in Rewards

Rules:

During the event, stream Zenless Zone Zero on Twitch for a single "valid week" to receive Polychrome ×50. Accumulate three weeks for a max reward of Polychrome ×300.

Participants who stream for at least three hours during each event week will earn one "valid week." Up to three "valid weeks" can be earned over the entire event duration.

Each event week starts at 10:00:00 (UTC+8) on Wednesday and ends at 09:59:59 (UTC+8) the following Wednesday. The specific schedule is as follows (all times are in UTC+8):

Week One: Aug 14, 11:00:00 – Aug 21, 09:59:59

Week Two: Aug 21, 10:00:00 – Aug 28, 09:59:59

Week Three: Aug 28, 10:00:00 – Sep 3, 23:59:59

All rewards are issued on a first-come, first-served basis. The total remaining rewards will be displayed on the page.

Requirements/Rewards:

Stream for at least 3 hours in a week: Polychrome ×50

Stream for at least 3 hours a week for 2 weeks: Polychrome ×100

Stream for at least 3 hours a week for 3 weeks: Polychrome ×150

Rewards can be accumulated. Meet the highest requirement to claim all rewards.

Rewards are based solely on the current week's stream data. The previous week's data does not accumulate with the current week.

Hours Watched Milestones

Rules:

During the event, streamers who go live in the Zenless Zone Zero category on Twitch can earn 150 Polychromes after accumulating 12 hours of being watched and up to 1,550 Polychromes after reaching 1000 hours of being watched.

All rewards are issued on a first-come, first-served basis. The total remaining rewards will be displayed on the page.

Requirements/Rewards:

Watched for 12 hours or more: Polychrome ×150

Watched for 60 hours or more: Polychrome ×200

Watched for 480 hours or more: Polychrome ×400

Watched for 1,000 hours or more: Polychrome ×800

Rewards can be accumulated. Meet the highest requirement to claim all rewards.

Most Hours Watched Rankings

Rules:

This ranking will be determined by the total time a registered streamer is watched in the Zenless Zone Zero Twitch category throughout the event.

Streamers ranked in the top 200 will receive cash prizes of different amounts, with the top 20 streamers also receiving a special "fan reward code."

*The fan reward code can only be distributed to the streamer's fans and is not for trade or personal use. Any misuse will result in disqualification from this event.

Requirements/Rewards:

1st Place: $8000 + fan reward code for Polychrome ×100, redeemable 500 times

2nd Place: $6000 + fan reward code for Polychrome ×100, redeemable 400 times

3rd Place: $4000 + fan reward code for Polychrome ×100, redeemable 300 times

4th Place: $3000 + fan reward code for Polychrome ×100, redeemable 200 times

5th Place: $2000 + fan reward code for Polychrome ×100, redeemable 100 times

6-20th Place: $800 + fan reward code for Polychrome ×100, redeemable 75 times

21-50th Place: $300

51-100th Place: $200

101-200th Place: $100

Fan reward codes from the same batch are mutually exclusive, so each UID account can redeem the Polychrome reward only once.

The "Fan Reward Codes" will be sent together with the Prize Collection Information Survey. This batch of redemption code will expire on 2024/10/13 23:59:59 (UTC +8). Don't forget to claim them and share them with your viewers.

Star Creator Leaderboard

Rules:

This leaderboard is exclusively for star creators, who must meet the following conditions:

1. Have not livestreamed a HoYoverse game in the 30 days prior to the date of registration.

2. Following registration, the average concurrent viewership for livestreams under the Zenless Zone Zero category during the event period must be 500 or more.

3. After registering, livestream under the Zenless Zone Zero category for 1 hour or more during the event period.

During the event, streamers who go live under the Zenless Zone Zero Twitch category will be ranked on this leaderboard based on their average concurrent viewers.

The top 20 streamers will be awarded cash prizes

Requirements/Rewards:

1st Place: $3000

2nd Place: $2000

3rd Place: $1000

4th Place: $800

5th Place: $450

6-20th Place: $250

Sharing Rewards

Cash Rewards

The cash reward information registration questionnaire will be sent to the user's HoYoverse account-linked email address. Please check it promptly. If you have not linked an email, please do so before participating in the event, otherwise, it will be considered a forfeiture of the reward.

Cash prizes will be distributed via PayPal or bank transfer. All cash prize winners must complete the information registration and submission by 10 AM (UTC+8) on September 29. Late submissions will not be eligible for the prize.

In-Game Item Rewards

If you earn any in-game item rewards in this event, you can tap/click the "Claim All" button, and your rewards will be delivered to your mailbox within 10 minutes.

Twitch-Exclusive Plug-In

Stream Avatars Plug-In now available on Bangboo Buddies: https://dashboard.twitch.tv/extensions/9qoeasng0d5dt38lh9zvhyt9xumh4g

Installing this plug-in will allow your viewers to become all kinds of cute Bangboo to accompany you as you stream.

Viewers can draw exclusive Bangboo avatars via watching streams and participate in the Boss Battle to obtain a Golden Bangboo Avatar~

Install Bangboo Buddies now!

Event FAQs

Q1. Must I complete registration to participate in this event?

A1. Yes. You must register to participate in the current event.

Q2. What are the minimum requirements to receive an reward?

A2. Register for this incentive program.

Only Zenless Zone Zero UID accounts from the following four servers: America, Europe, Asia, and TW, HK, MO can participate

During the event, you must stream under the Zenless Zone Zero Twitch category and meet the basic requirements to qualify for each reward.

Q3: Can I claim daily stream rewards?

A3: Yes, the daily stream rewards will refresh at 10:00 AM (UTC+8) daily.

Players who fulfill the criteria for rewards on that day can collect the daily reward.

Each participant can obtain daily stream rewards for up to 21 days in this event.

Q4. Is there a limit to the reward count obtainable for the live stream?

A4. Yes, there is. First come, first served.

The daily stream reward refreshes its available quantity daily, and the page displays the remaining rewards for that day.

The weekly check-in and watch time milestone rewards do not refresh. The remaining quantity shown on the page is the total for the entire event.

Q5: Can I claim my rewards together on the event page after the event ends?

A5: This is not advised. Rewards are limited, and you might miss out if they have been claimed up to the limit by others.

Conversely, the daily streaming reward resets daily, so rewards from the previous day will not roll over to the following day.

Q6. I have earned a cash reward in this event. How do I go about claiming it?

A6: The results announcement and information collection period is from September 15, 2024, 10:00:00 to September 29, 2024, 10:00:00 (UTC+8). You must complete the information registration by the end of this period. Cash rewards will be distributed from October 15, 2024, 00:00:00 to November 13, 2024, 23:59:59 (UTC+8). We will complete the distribution of all cash rewards within this timeframe.

Q7: Do I need to submit media files or videos after the event ends?

A7: No, this is unnecessary.

Q8: Can I start streaming as soon as I complete my registration?

A8. Yes. But please take note that if you start streaming before the stipulated streaming period, your streaming data will not be collected and recorded.

Q9. My stream videos are automatically deleted after 14 days. Will this affect my streaming data during the event?

A9. No. Your streaming data will be collected in real-time during the event. Deletion of videos will not affect your streaming data in any way.

Q10: Can I only stream Zenless Zone Zero?

A: No, there are no restrictions on streaming other content. However, please be aware that this event only tracks the data of your Zenless Zone Zero streams in the Zenless Zone Zero category. Data from other content you stream will not be considered.

Q11. Do I need a microphone and camera to participate?

A11. No, they are not compulsory.

Q12. I changed my Twitch username during the event. Will this affect my participation rights?

A12. No, it won't.

Q13. How will I receive notifications?

A13: The daily streaming reward, weekly check-in reward, hours watched milestones, and share page reward need to be claimed manually on the page; no notifications will be sent. For the Most Watched Rankings and Star Creator Leaderboard rewards, please check your HoYoverse-linked email and complete the information collection survey during the results announcement and information collection period. Viewer bonuses must be claimed on the Twitch Drops page on the Twitch platform; we will not send notifications.

Q14. How can I confirm that I have registered successfully?

A14. Once you have completed your registration, a window will pop up on the page, showing that your registration is successful.

Q15: Will my event participation rights be affected if my channel is closed?

A15. Unfortunately, yes. If your channel is not publicly available (closed or set to private) during the event, your qualification will be jeopardized.

Q16: Can I unlink and re-link my UID and Twitch channel during the event period?

A16: No. For this event, live data tracking and reward distribution are based solely on the linking information provided during your initial registration. Changing the link midway may result in you being unable to receive rewards.

Q17. Do you have a quick start guide to streaming on Twitch?

A17. Yes. Please visit this page: https://www.twitch.tv/creatorcamp/zh-tw/setting-up-your-stream/quick-start-guide-to-streaming-on-twitch/

Q18. How do I choose Zenless Zone Zero as my Twitch stream category?

A18. PC: Log in to your account > Select your profile > Move to "Creator Dashboard" > Select "Stream Manager" > Select "Edit Stream Info" from "Quick Actions" > Check the pop-up window to configure your stream > Enter "Zenless Zone Zero" in the search box and select it > Select "Done"!

#zenless zone zero #zenless zone zero updates #zzz #zzzzero #official #twitch live stream program #formatting this was not fun

3 notes · View notes

polishtamales · 2 years

Text

Magic 30th Anniversary Failed

“The 30th Anniversary Edition sale has concluded, and the product is currently unavailable for purchase. Thanks to everyone who joined us today!”

@wizards_magic

While most people ignored WotC’s biggest cash grab in 30 years, the remaining curious parts of the community were rewarded with what has to be one of the biggest conspiracy theory:

Did Wizards of the Coast purposely cut the release window of Magic 30th Anniversary to save face? Much less create more artificial scarcity to an already artificial product?

In my mind, they absolutely did. Totally and without any remorse.

Not just for customer “goodwill” for the brand, but also to save the “collectable” aspect of their printed products. WotC has more to lose if Magic 30th Anniversary “sold out” in a few day than a few hours. Since the vast majority of orders occurred within the first few minutes of the product’s launch window (as do all their products online); WotC most likely saw next to little actual activity after the first 10 minutes. Sure, there were probably a few hundred bots set up to mess with cart and waiting queues, but nothing catastrophic like a DDOS attack.

You have to remember folks, Wizards of the Coast is under a lot of pressure after Bank of America gave a scathing evaluation of Hasbro’s stock. Not just for funny business for cooking their books, but the fact that WotC is sitting on millions and millions of dollars of unsold inventory of cards/merchandise. It’s not like these cards can be shipped and sold to down to other lesser chain stores, like ROSS or Five Below. Magic 30th Anniversary was their Hail Mary for quarter 4 earnings. It was suppose to stabilize what was already considered a bad year for Magic the Gathering.

So what happens now?

It really is up to you, the player base. You already have WotC employees telling every single customer to not buy every product to avoid burn out. To be more selective of what products you engage with. Obviously, very poorly worded in business to accuse your customers to be so dumb that they keep buying everything...

Which doesn’t surprise me how they’ve been focusing so hard to market their products to mentally ill/challenged parts of the community. It’s not even an open secret anymore that a lot of video games and mobile services solely focus sales to whales and/or create an ecosystem of their products to be addictive as possible. A lifestyle some would say in corporate pitch meetings. This is why Secret Lairs have been so successful. Not just by the fear of missing out in small windows of availability, but also the elite status of being a MTG mega fan! The sunk cost of your commander/EDH alone is nothing compared to another $40 upgrade of foils next paycheck...

For me, I hate to say it, but I’ve been done with the game since Modern Horizons 2. I used to love playing Modern/Legacy, where old cards can find new life after rotation. Where you didn’t have to constantly spend money every set just to stay relevant. Who doesn’t like owning a deck and keep in their closet for a few months or years, knowing they can just dust it off to a big Magic event or some old friends dropping by?

Instead, these old non-rotating formats did get rotated and through blunt force of power-creep no less. You can’t really have the same experiences like you did when cards are created solely to sell you new boxes/cases of cards. It was not like this before in non-rotating formats; good cards trickled in the format, not by power creeping everything around it. It’s really insulting to downright malicious towards it’s own customers when these boxes/cases are almost quadruple than their old counterparts.

I don’t really see Wizards of the Coast or Hasbro correcting any courses... maybe adjust lower print runs and make actual collector products collectable again... without artificially pricing them at stupid prices. One thing is for sure though. We won’t be seeing anymore blatant cash grabs of $1,000 official proxies anytime soon.

#mtg

9 notes · View notes

hakesbros · 2 years

Text

Albuquerque, Nm Business Real Estate For Sale

Now home web prospects can get free stuff and nice perks every week from T‑Mobile Tuesdays. That’s a financial savings of $10/month on Philo TV. Enjoy 60+ stay new home builders in albuquerque and on-demand channels, plus limitless DVR. Subscription mechanically renews at $4.99/month after first 12 months.

Preferred Rewards members could qualify for an origination payment or interest rate discount based in your eligible tier on the time of application. Depending on your tier, you may be required to enroll in PayPlan from an eligible Bank of America deposit account no much less than 10 days prior to loan closing so as homes for sale in albuquerque nm to obtain the total program profit. In order to offer you the greatest possible fee estimate, we'd like some further info. Please contact us in order to discuss the specifics of your mortgage wants with considered one of our home loan specialists.

We shall be by your side all through the method. Let our experience be the keys to your new home. Well the vendor will contribute to your fee purchase DOWN with acceptable offer! This beautiful single-story is in the highly fascinating Academ... Open great room and eating space invite's easy entertaining.

New builds in Albuquerque characteristic open-concept designs providing the final word in kind, function, and elegance. New construction homes for sale in Albuquerque are designed to meet right now"s trendy homebuyers" distinctive wants. New development in Albuquerque features traditional cottage-style and Pueblo Revival structure homes for sale in albuquerque new mexico blended with modern design parts. Inside, search for stunning interiors that boast excessive ceilings, giant home windows, hardwood floors, and more. Some of the best new building homes could be discovered within the new subdivisions in Albuquerque .

You agree we could use an auto-dialer to succeed in you. You understand that you would possibly be not required to consent to receiving autodialed calls/texts as a condition of purchasing any Bank of America services or homes for sale albuquerque products. Any cellular/mobile telephone number you present may incur costs out of your cellular service supplier.

New fridge installed in 2019, oven vary and microwave . "There'd be, you realize, two dozen other presents they usually'd all be $100,000 over asking," says Paul. "Any any time we tried to wait till the weekend for an open house new homes albuquerque, it was gone before we might even look at it." Children experience scooters previous a home for sale in Los Angeles. Home sales have slowed as mortgage charges have climbed.

See the present MLS listings of homes for sale in Albuquerque. Change the settings under to browse available homes. Homes for sale in Albuquerque have a median listing worth of $340K.

A good cash flow means the funding is, evidently, worthwhile. A unhealthy cash flow, on the opposite hand, means you won’t have cash readily available to repay your debt. Homes for sale in Albuquerque have a median itemizing price of $325,000. Since the final actual estate cycle market bottom in March 2012, home prices in Albuquerque have elevated by 55.3%. Since the last real property cycle market peak in May 2006, home prices in Albuquerque have elevated by eleven.5%. Median rent in Albuquerque is $1,800 per thirty days for a 3-bedroom home, based mostly on the newest research from Zumper .

#real estate

2 notes · View notes

starskilop · 2 years

Text

Dockmate hinged fenders

Dockmate hinged fenders portable#

Dockmate hinged fenders windows#

GOOD SAM and the GOOD SAM ICON are registered trademarks of CWI, Inc. © 2020 Overton's and Good Sam Enterprises, LLC. This message was not sent to you unsolicited.ġ11 Red Banks Road, Greenville, NC, 27858 To ensure delivery to your inbox (not bulk or junk folders), please add to your address book. Take advantage of exclusive savings and become a part of our outdoor family.Įnjoy huge discounts with Members-Only Specials on the best outdoor gear. Good Sam is committed to making your adventures safer and more rewarding.

Dockmate hinged fenders portable#

Secure Lock and portable Waterproof Dry Bag: Simple to open and close the pouch by turning the two swivel switches on the top.Overton's - America's Fishing, Marine & Watersports Superstoreĭockmate 48" Straight/Corner Dock Cushionĭockmate Square Solar Dock Lights, 2-pack But cell phones may suffer hydraulic pressure under certain water depth, which will impact the operation of the touchscreen. The transparent cover will not block the camera use.

Dockmate hinged fenders windows#

Touch-sensitive Waterproof Phone Bag: Premium PVC material and transparent windows design make it easy for a friendly screen-touch. Hiearcool fits devices up to 7 inches diagonal while also providing enough room for your cards, cash, passport Up to about 100 feet (30 meters)water-resistantħ Inches Extra Large Waterproof Phone Pouch: Even if you happen to have a phone with waterproofing built-in, a pouch adds a little extra assurance. IPX8 Certificated Universal Waterproof Phone Pouch: If you want to enjoy your time in the water without leaving your phone behind, a waterproof phone pouch is a must-have. They are perfect for anyone on your list! We have a lot of variety and options to suit many different home decor and design tastes. These home decor features instantly liven up any home design. Most people enjoy water themed decor and can appreciate jet ski art even if they’re not sporty types themselves. Fortunately, jet ski gifts are an instant and perfect gift solution for anyone who enjoys water sports.īrowse our collection of jet ski gifts to see what we offer. It’s not always easy to think of an appropriate gift for friends and family members in your life. Our jet ski gifts are also perfect for starting a collection. Our jet ski gifts can fit in with a wide variety of design schemes in an interior because they often have many neutral blue colors. Our gifts for jet ski owners showcase an ocean theme that can add color and action to any home design scheme. These include adventure, nature, competition, and maritime fun. There is a wide variety of options available, but all of our gifts for jet ski owners share a common theme of celebrating all the great things about jet skiing. We also offer other types of jet ski gifts like sculptures and figurines. This type of artwork can give people the thrill of being out on water every time they walk through their living room. A large scale jet ski painting or graphic design allows jet ski lovers to put thrilling and scenic imagery on display in their home. If you have a jet ski loving friend with a lot of bare wall space in his or her home, check out the graphic jet ski gifts we have available. In particular, we offer a lot of artwork. We have a wide variety of decor item types among our jet ski gifts. These are really creative, unique, one-of-a-kind gifts that allow those in your life to personalize their home decor. A gift for jet ski lovers will show your friends and family your thoughtfulness. Check out our collection of jet ski gifts. We offer jet ski themed gifts for the living room, bedroom, bathroom, and even the kitchen. These home decor gifts are appropriate for any room in the home. If you have a friend or family member in your life who is a fan of water sports, you might want to consider checking available jet ski gifts for something appropriate to give to them. Those who love the thrill of hitting the water on a sleek and sporty jet ski can showcase their love for their sport in their home.

#Dockmate hinged fenders

3 notes · View notes

creditcardzy · 14 days

Text

What Are the Best Small Business Credit Cards for Your Company?

When it comes to managing finances for your small business, choosing the right credit card can make a significant difference. Whether you’re looking for rewards, cashback, or low-interest rates, finding the best small business credit card can help streamline your expenses and enhance your financial management. In this blog post, we’ll explore what makes a credit card stand out and list some top choices for 2024 that can benefit your business.

Why Choosing the Best Small Business Credit Card Matters

Selecting the best small business credit card is crucial for several reasons:

Expense Management: Track business expenses easily and categorize spending to manage budgets effectively.

Rewards and Benefits: Earn rewards, cashback, or travel points that can offset other business costs.

Credit Building: Use the card responsibly to build or improve your business credit score.

Cash Flow: Leverage interest-free periods or low APR to manage cash flow and make large purchases without immediate financial strain.

Key Features to Look for in the Best Small Business Credit Cards

When evaluating small business credit cards, consider the following features:

Rewards Programs: Look for cards that offer rewards on categories relevant to your business, such as office supplies, travel, or dining.

Cashback Offers: Cards that provide cashback on everyday purchases can be beneficial for managing routine expenses.

Low APR and Fees: Find a card with a low annual percentage rate (APR) and minimal fees to reduce the cost of borrowing.

Sign-Up Bonuses: Many cards offer lucrative sign-up bonuses if you meet certain spending thresholds within the first few months.

Expense Management Tools: Choose cards with integrated tools for tracking and categorizing expenses, making accounting easier.

Customer Service: Reliable customer support can be a lifesaver if you encounter issues or need assistance.

Top Small Business Credit Cards for 2024

Here’s a rundown of some of the best small business credit cards available this year:

American Express® Business Gold Card

Rewards: Earn 4X points on the 2 categories where your business spends the most each month and 1X points on other purchases.

Bonus Offer: New cardholders can earn a substantial welcome offer after meeting the spending requirement.

Annual Fee: $295 (see rates and fees)

Additional Perks: No foreign transaction fees and comprehensive travel insurance.

Chase Ink Business Cash® Credit Card

Rewards: Get 5% cashback on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Earn 2% cashback on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, 1% on all other purchases.

Bonus Offer: Receive a generous bonus after meeting the minimum spending requirement.

Annual Fee: $0

Additional Perks: Includes purchase protection and extended warranty coverage.

Capital One Spark Cash Select for Business

Rewards: Earn 1.5% cashback on every purchase, with no limits.

Bonus Offer: New cardholders can receive a significant cash bonus after making the required purchases within the first 3 months.

Annual Fee: $0

Additional Perks: Free employee cards with no additional fee and travel accident insurance.

Bank of America® Business Advantage Cash Rewards Mastercard®

Rewards: Earn 3% cashback on the category of your choice (such as gas stations or office supply stores) and 2% on dining, with 1% cashback on all other purchases.

Bonus Offer: A solid introductory offer for new cardholders who meet the spending requirements.

Annual Fee: $0

Additional Perks: Access to expense management tools and fraud protection.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Rewards: Earn 2 AAdvantage miles per $1 spent on eligible American Airlines purchases, at gas stations, and on select telecommunications services, and 1 mile per $1 spent on other purchases.

Bonus Offer: Earn a large number of bonus miles after making a minimum spend in the first few months.

Annual Fee: $99, waived for the first 12 months.

Additional Perks: First checked bag free on American Airlines flights and priority boarding.

How to Choose the Right Card for Your Business

To find the best small business credit card for your needs, follow these steps:

Assess Your Spending Habits: Identify where you spend the most money and choose a card that offers the best rewards or cashback for those categories.

Compare APRs and Fees: Look for a card with competitive APR rates and low or no annual fees.

Evaluate Additional Benefits: Consider perks like travel insurance, purchase protection, and expense tracking tools that could add value to your business.

Conclusion

Selecting the best small business credit card can provide significant benefits, from managing expenses efficiently to earning valuable rewards. By understanding your business’s needs and comparing different options, you can find a card that helps you maximize financial management and enhance profitability.

Visit Credit Cardzy for more detailed reviews and comparisons to ensure you choose the best business credit card for your company’s unique needs.

Finding the best business credit cards for small business involves considering your spending patterns, the benefits offered, and any associated fees. With the right card, you can optimize your financial strategy and enjoy rewards that contribute to your business’s success.

#best small business credit card #best business credit cards for small business #credit card for business owners #credit card for small businesses #best card for small business

0 notes