If you are a small business owner, it's best to not use your personal credit card for business purchases.

Small or sole business entrepreneurs should know that using a personal credit card for business transactions can lead to problems. Mixing them up could lead to serious complications with respect to budgeting, handling personal/professional finances, and more.

This is where business credit cards come in handy. They provide attractive cashback offers, reward points, bonuses, discounts, and more, all of which help in curbing expenses that are usually incurred when running a business. A business credit card also offers financial ease, thanks to the revolving line of credit. To top it all, you get the opportunity to build a good credit score by using this card judiciously.

But keeping in mind that there are a number of credit cards, how do you decide which one matches the requirements of your enterprise? To make your task simpler, we have listed the five best business credit cards for a small business.

• Capital One Spark® Cash business credit card
  This is possibly one of the only business credit cards to have a flat 2% cashback on all (unlimited) purchases. This card does not charge an extra fee for foreign transactions, thereby making it highly beneficial for foreign businesses. Instead of reward points, Capital One offers cashback offers, which are preferred by many users.

• Chase Ink Business Preferred℠ credit card
  This business credit card gives entrepreneurs the best sign-up bonus of up to 80,000 points on the purchase of $5,000 within the first three months of getting the card. The points convert to $1,000 toward travel, which can be redeemed using the Chase Ultimate Rewards. You may also transfer the points to airlines and hotel loyalty programs.

• Chase Ink Business Cash℠
  The cardholder is eligible to receive a sign-up bonus of $500 after spending $3,000 in a span of the first three months. The best part about the card though is its $0 annual fee.

• SimplyCash® Plus Business Credit Card from American Express
  The cashback received on this credit card may be converted into investments that may be redirected back to the business. A 5% cashback will be given in a year's time on a purchase of $50,000 on office supply stores and on phone services within the country.

• Capital One Spark® Classic
  Touted to be one of the most affordable cards, the only condition that the cardholder needs to be careful of here is keeping their records clean and paying the necessary amount to maintain the balance.

Repo car deals at auctions Repo car auctions are a great place where you can find cars at reduced prices. As repo cars are cars that are confiscated by the bank from an owner who can’t repay his or her loans, these are usually problem free. In case you are purchasing a car from repo car deals at an auction, you do not have to put in more money repairing them once you get possession of a repo car. A repo auction is similar to that of a typical car auction, and it is always better to be aware of the rules, procedures and bidding guidelines before attending them. Auto auction guidelines, although similar from place to place, will not be identical. Here are a few things to keep in mind in case you are visiting a repo car auction. Get a run list of the auto auction that has a list of all the cars that are to be auctioned off, so that you have a good idea of what is happening and you can also plan on which vehicle that you would like to bid on before attending the auction. Take advantage of a situation to examine the repossessed cars before the auction begins. Also, make sure that you take a look at the VIN (vehicle identification number) of the vehicle that you would like to bid on to avoid surprises. Take the time to educate yourself on the retail value of the repo car that you would like to place your bid on. Take a few pricing guides when you make an appearance at the auction, or you can always make use of the sales catalog. This will help you can do a thorough research on the repo car deals you want beforehand. To find a repo car auction, call the local banks for information on what they do with their repo car deals. If they sell their repo cars through an auction, they would then give you the auction company’s information. The rest is then easy, and you might find yourself with a new repo car.

Several universities in the country specialize in a number of business degree courses that are designed to produce professionals with remarkable business astuteness, strong academic background, and necessary skills that can be applicable across a myriad of careers. Earning business degrees in today’s competitive world is seen as a great opportunity to be distinguished amongst a crowd of professionals. Here are some of the key reasons that make business degrees exceptionally popular. Practicality Almost all business degrees equip students with on-the-job skills that help add value to their careers. Business degrees not only prepare you to be practical and smart in your professional life but also help you reap great financial rewards. You get to learn additional skills Business degrees are not just restricted to academic coursework, it helps students learn real-world skills that can help young professionals prosper despite stiff competition. Business students are taught to think out of the box, be critical, evaluate and analyze complex issues, and solve difficult problems with ease. Some of the skills that can be honed by pursuing a business degree include communication, time management, organization, project management, public speaking, relationship building, innovation, adaptability, goal setting, and the like. Varied career choices Pursuing a business degree can allow you to pursue a career of your choice. Since business education is interdisciplinary in nature, your career scope is likely to expand and you will get to apply your skills across a wide range of business careers. Some of the positions you can apply for after earning a business degree includes human resource manager, corporate executive, marketing coordinator, sales manager, loan officer, real estate agent, computer information systems manager, event planner, and the like. High demand Professionals with business degrees are always highly demanded considering today’s competitive job market. This is so because nearly all corporate set ups are constantly searching for individuals with good planning, organizing, and managerial skills.

Dual master's nursing degrees are getting very popular by the day. The opportunity to gain from two different master's nursing courses at the same time sounds appealing, but here are a few things one should understand about the combination of MSN and MPH nursing programs. MSN or Master of Science in Nursing is a master’s degree which can be pursued by candidates who have completed their Bachelor of Science in Nursing (BSN), Associate of Science in Nursing (ASN) or Associates Degree in Nursing (ADN). MPH or Master of Public Health is a practical degree which will help candidates understand in detail about public and community health concerns. There is a simple reason why MSN and MPH degrees for master's nursing courses are combined. The curriculum of both work well together and the biggest advantage of enrolling into a dual degree program is the time taken to complete both degrees. Time plays an important role when it comes to pursuing multiple degrees together. The only factor that might affect the master's nursing course duration will be whether a person plans to pursue the program on campus or part-time online. Full time on campus course will take less time. The duration of master's nursing courses will be at least two years, depending on the university. The main objective of offering dual degree programs is to prepare candidates to focus on public health nursing while enjoying benefits of MSN simultaneously. MPH will give a more practical outlook for public and community health. On the other hand while studying for MSN the focus is on whatever specialization the candidates have taken. Career opportunities for dual degree master's nursing courses will include a focus on mainly educating communities on health, general sanitation, taking care of injuries and prevention techniques, educating people about controlling spreading of diseases. Making policies for change in the community will be one of the perks the individual will enjoy. If a research position is what one is looking for, dual degree programs will enable them to work as an epidemiologist. For more information, individuals can find out about MSN and MPH master's nursing courses from the university’s official website.

Who doesn't want flawless complexion that belies age? But with today's hectic lifestyle, harmful UV rays, pollution, unhealthy diet and stress, attaining a flawless complexion is easier said than done. Cosmetic products can be a stop gap solution but tend to press the wallet after a point. Natural remedies though slow to produce the desired effect are an economical and not to mention safer option to store-bought scrubs and lotions. Natural and organic is making a huge comeback and what's better, the ingredients are sometimes readily available in your home. There are a wide variety of scrubs, masks and massages which contain natural ingredients that can bring about wonderful results to your skin. They will help in brightening your skin complexion, getting rid of bacteria that are harmful to the skin, reducing the incidence of marks and blemishes and also helping balance the skin tone. Cleansing and exfoliating with various scrubs and masks is an essential when it comes to taking care of your skin at home. Given below are some of the most effective natural scrubs for the same. Dried peel of oranges and yogurt: Orange is a fruit which is common in all households, is loaded with Vitamin C and works effectively to lighten pigmentation. Grind dried orange peels into powder and mix a teaspoon of this powder with yogurt to make a smooth paste. Apply this mask onto your skin for around twenty minutes and wash off with water. Ensure you do this every alternate day. Oatmeal, yogurt and tomato mask: Tomato has excellent properties that can safeguard skin against age related issues. Rich in anti-oxidants, tomatoes help to provide that wonderful glow to your skin. Add a couple of teaspoons of tomato juice with a spoonful of oatmeal and a spoon of yogurt. Mix this portion well and apply this mask on your skin for 15 mins and then rinse off. Doing this regularly for about three times a week will bring wonderful results. Honey and Papaya Mask: Papaya has wonderful benefits for improving your skin tone. This wonderful fruit contains alpha hydroxyl acids and papain that work to remove dead cells and also impurities, proving you with skin that glows. Honey also has excellent anti-bacterial properties that safe guard the skin. A mixture of mashed papaya with one teaspoon honey applied to the face for around twenty minutes is a wonderful ask that will work miracles on your skin. Sandalwood Powder: Another excellent natural ingredient that can work wonders to lighten the skin tone is sandalwood powder. Prepare a paste including one teaspoon of sandalwood powder and one teaspoon of almond powder with water that is lukewarm and apply this mixture to your face. Keep for 15 mins and then rinse off with cool water.

Whether the adorable, sprightly pup you are bringing up swallows something hazardous or your pet turtle is not enjoying his swim of late, there is no cause for you as a pet owner to be worried about anything else apart from their health. Taking them to the veterinarian should be your top priority, without having the anxiety about how you will manage the bills that you would eventually have to pay. And, for you to focus on your pet’s health at all times, the first thing that you need to do is purchase a stable pet insurance policy. The best time to do this is when your pet is young and healthy. Because of the growth in the number of pet owners who can afford the increasing costs of pet care and provide them luxurious living conditions, a variety of pet insurance plans are available for you to select from. Depending on the species, breed, age, and health of your pet, choose a pet insurance policy that is best suited for them. Healthy Paws Pet Insurance and Foundation has the best customer service and is quite popular among most pet owners. Low premium prices, multiple plan options that have no caps on any of their claims or any yearly limits, and coverage of all hereditary and congenital conditions that are not pre-existing at the time of purchasing the policy, is the best in the market. Pets Best Pet Health Insurance has an accident only plan that is the least expensive of all pet insurances and covers emergency situations. The company also has customizable pet insurance plans that have an annual limit of $10,000, an option of $50-$1,000 deductibles and 70%, 80% or 90% reimbursement that is paid very quickly, in five days or less, after the claims are made. For all pet owners, it is important that an in-depth research, speak to insurance companies and find out about their riders and also speak with your veterinarian, and other pet owners who have had experience in purchasing and making use of a pet insurance themselves.