Saving, investing and making money with technology

Month: June 2018

Ways To Manage Your Debt

Since you’ve ended up here, you, or someone you know, probably owe money for back taxes to the IRS and/or the state.

In these tough economic times it could be a lot of money.
Maybe it’s from years of back income taxes, unpaid payroll taxes, or you may have received a gift or inherited an estate and just can’t afford to pay the taxes on it. If you’re a business owner maybe you ended up owing taxes because you were just trying to feed your family and couldn’t make ends meet while setting aside money for the IRS to pay your taxes. Even some corporations face hard times and have gotten into hot water with their taxes.

Nationwide Debt Reduction Services is a debt reduction service provider with ongoing relationship with most creditors. Our team has successfully negotiated on behalf of thousands of clients. While each situation is unique, we have seen outstanding balances reduced up by more than 50%. With this type of reduction, we are able to help you be debt free in a short period of time. We ONLY charge a fee AFTER you have received a settlement. Allow our trained debt relief experts to give you a free, no-obligation consultation. Our team can help you review your debt situation to see if you qualify for debt relief.

There’s no doubt you want to do the right thing and pay it but you just can’t. If you could have you would have by now. IRS agents are probably “on your back”, and it seems there’s nothing you can do to get them off. It could be they’ve “reposed” your vehicles, put a lien on the family home, filed embarrassing public tax lien notices and even put a freeze on your bank account(s). In short order, they’ll be garnishing your wages and leaving you with next to nothing to live on, if they haven’t already.

No Early Mornings or Late Night Calls

You know, sometimes a debt collector may not call you before 8 a.m. or after 9 p.m. (in your time zone) unless you specifically ask them to call during these times. And whatever debt you may owe, you still have the right to a quiet morning and a quiet evening.Keep in mind that debt collectors can contact you by phone, letter, email or via text message, but it’s the calls that are restricted during this time. The Fair Debt Collection Practices Act does not specify any restrictions about receiving text messages, as they weren’t around when the act was passed in 1977.

Take a Look at Your Budget

After you have collected the information about your debts, you should take a look at your monthly budget. Write down your monthly income after taxes and subtract your rent/mortgage payment from this amount along with other monthly expenses such as childcare, student loan payments, insurance, utilities and groceries. And also, once you have subtracted all of your expenses, calculate how much you have left to pay off your debts. If this amount is too small, look for ways to reduce your spending. Consider turning off your cable subscription or carpooling as ways to cut back temporarily. The more you can pay toward your debts each month, the sooner you will be debt-free.

You Must Evaluate Your Debts

We all know Americans have $945.9 billion in outstanding credit card debt, also known as revolving debt, according to August 2016 data from the Federal Reserve. And that means that, based off the most recent population numbers in the U.S., the average American carries nearly $4,000 worth of credit card debt. It’s important to know where you stand before you start reducing your debt, since the amount of debt and the type of debt you have will impact the options available to you.

Start Negotiations

While you are starting to follow your repayment plan from Step 3, you should contact your creditors and lenders to see if you can improve the terms on your debts. You may be able to lower your interest rates or negotiate a reduced settlement on some debts by speaking with the customer service department. It is especially easy to negotiate the terms of debts that are charged off (dismissed) by the creditor or in collections already. Also think about moving some of your credit card debts to new accounts with lower interest rates. Moving a balance to a credit card with a 0% introductory rate for 6-12 months can help you save a lot on interest. Just be sure to keep each of your credit card balances below 30% of the credit limits to avoid damaging your credit score. During this time, investigate if consolidating your debts into a personal loan or home equity loan could help too.

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3 Tips for Finding A Mobile Phone That’s Great For Gaming

While most people want to use their mobile phone to make and receive calls and texts, the ubiquity of smartphones have increased the need for even more features on your phone. From social media and Internet access to staying connected with your business needs, people now need more output than ever from their phones. But for those who are looking to use their phones for gaming, you want to make sure that your phone is going to support whatever games you choose to download and play. So to help ensure that your device can keep up with you, here are three tips for finding a mobile phone that’s great for gaming.

Think About Hardware and Software Equally

The hardware and software of your phone are equally important when you’re looking for a device that’s going to be good for gaming. According to Mark Knapp, a contributor to TechRadar.com, you should consider things like chipsets, RAM, graphics chips and more when looking at what a smartphone has to offer you in your game play. Additionally, you should also look for a device that has your future use in mind, meaning that it will be able to last you more than just a few months of play before you need to replace or upgrade your device.

Consider How It Works With Apps

Different phones and operating systems are going to work differently with various apps. Depending on the apps that you’re wanting to download, you’ll likely want to choose a specific type of phone and operating system. To help you make this decision, Jake Peterson, a contributor to GadgetHacks.com, shares that not all phones and operating systems have a great reputation for getting the initial releases of certain apps. So if you’re wanting to get something at its release date, you’ll want to be sure you’re using a device that will be able to support that gaming app.

Prioritize Your User Experience

What it really comes down to is finding a phone that you love and can enjoy playing your favorite mobile games on. This means that you’re going to want to find a solution that allows you to have the best user experience. If having a good user experience means that you’re able to play the game on various devices, Dan Price, a contributor to MakeUseOf.com, recommends going with games for iOS. But if you don’t like using Apple devices, choose Android or another option that’s going to be more to your liking.

To help you find the right smartphone for your mobile game playing, consider using the tips mentioned above to help you make the best decision for your particular set of interests.

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Jim Cramer Views Restoration Hardware as Model for High Stock Prices

If you want to see the hottest financial news that’s trending today, Check out this recommended article below.


ETF Trends•June 14, 2018

This article was originally published on ETFTrends.com.

Jim Cramer, founder of TheStreet and host of CNBC’s Mad Money used Restoration Hardware as the model for a recipe of higher stock prices.

Cramer told TheStreet that the key ingredients for a higher stock price include a robust consumer, a big short position in the stock and sharply better-than-expected earnings per share–all factors inherent in the Corte Madera, California-based home furnishing company.

In particular, Cramer was effusive in his praise for Restoration Hardware CEO Gary Friedman who took over the company in 2001 when it was on the verge of bankruptcy before helping to turn it into the powerhouse that it is today.

“Gary (Friedman) is a remarkable merchant,” Cramer told TheStreet. “His stores are not stores; they’re galleries and it’s exciting and we’ve used a lot of his stuff. Gary has got a vision and he’s got a way to run a company. Congratulations, Gary–you really did it. The stock’s not done going higher.”


Related: Jim Cramer: How to Diversify Your Portfolio
Restoration Hardware is currently trading at almost three times its stock price compared to a year ago. As of 2:00 pm Eastern, RH was up 0.07%.

ETFs with a large percentage of Restoration Hardware are worth a look, including Invesco S&P Small Cap Cnsmr Discret ETF (PSCD) , Invesco S&P SmallCap 600Â Pure Value ETF (RZV) , and First Trust Small Cap Val AlphaDEXÂ ETF (FYT) .

Click here for more equity-related ETF news.

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Hot News That’s Trending Today

If you want to see the hottest news that’s trending today, Check out these recommended stories below.

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Top Investment Plans for Senior Citizens

Retirement is a phase of life that everyone looks forward to living comfortably. Individuals start planning for their finances early or at least before the retirement phase peeps in. There are various concerns when doing investment planning post-retirement. The major challenge is that the source of income is limited and the options for taking risks are less. Despite that, one needs a surplus amount to meet their sustenance needs.

Hence, it is advisable to look carefully for investment options based on your post-retirement financial goals and needs. If you are a senior citizen or on the verge of retiring, you may consider investing in schemes below.

1.Senior Citizen Savings Schemes(SCSS)

The scheme is specially tailored to meet the financial needs of senior citizens and hence should be considered as a part of your investment portfolio. The primary criteria to be eligible for the scheme is to be above the age of 60. It can be availed from any bank or post office. The maximum investment allowed in this scheme is of Rs 15 lakhs at the interest rate of 8.3% annually, which is reset every quarter. The scheme is covered under tax benefits of Section 80C up to Rs. 1.5 lakhs.

However, the investment is locked in for five years, which can be extended further up to 3 years. You can make premature withdrawals in this scheme. For early retirees, the funds should be invested in SCSS within a month of receiving the retirement funds.

  1. Fixed Deposits

Another popular choice for senior citizens when it comes to investing is FD. In case of fixed deposits, banks, as well as financial companies, offer competitive interest rates to senior citizens. FDs score high on safety and security of funds with a good amount of returns. FD’s with longer tenure have higher gains and benefits, but you can also invest in it for short-term needs.  Unlike other schemes, FD provides flexibility to invest in tenure ranging from 7 days to 10 years. Moreover, with Bajaj Finance, senior citizens get an opportunity to avail 8.20% interest on their investment as compared to other investment options.

  1. Post Office Monthly Income Scheme(POMIS):

POMIS is a five-year investment scheme by Indian Post where an individual can invest up to Rs 4.5 lakhs and Rs. 9 lakh in a joint account with a minimum investment starting at Rs 1500.  The interest rate offered in this scheme is 7.8% annually, which is payable monthly and is fixed for a maturity period of up to five years. Though this scheme does not qualify for any tax benefits, it is considered to be ideal and safe investment scheme for senior citizens offering higher yields with stable returns.

  1. Mutual Funds

Mutuals funds signify risks, though this option is known for their higher returns on investment when invested in right equities. The interest may go as high as 20% in mutual funds with the associated risk factor. So, it is always advisable to start off with investing in low risk mutual funds and then move on to higher risk high-performance mutual funds. Depending on risk profile, one may consider investing a percentage of their funds into equity mutual funds(MFs) due to their nature of high returns. While you take risks, one way of reducing the risks is to diversify the investment portfolio across a variety of industries. Debt funds are another good alternative for senior citizens due to their obvious liquidity.

  1. Tax Free Bonds:

Bonds are securities issued by government-backed companies or projects like Indian Railway Finance Corporation, Power Finance Corporation Ltd or National Highway Authority of India to raise finances with reasonable interest rates. The interest earned on these bonds gets credited to bond holder’s bank account. One can also trade these tax-free bonds as they are listed as securities on the stock market.  Currently, tax-free bonds of top rated public sector companies on an average offer a yield of 6.4-6.5 percent. As the investment period is longer ranging over 15 years or more, one must plan in advance to include tax-free bonds as a part of their retirement plan.

The last thing you want to worry about post-retirement is the shortage of funds. Hence it is best to plan and opt for the best investment plans that suit your needs. A right investment planning boosts your income but can give you the perks of retirement life that everyone hopes.

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SMS Extension And SMS Software For Magento Platform

Business Marketing

SMS increases the experience of feel good for any client selecting to purchase at your Magento store. From alerts that a particular order has been obtained and sent, to transcribe thank you messages and unique offers, SMS attracts, sustains and intensifies the association amid your product and your clients.

A Magento SMS extension may be incorporated into the Magento online store, allowing merchants to provide with an outstanding shopping knowledge to the clients. Various new extensions are introduced in Magento that allows you to increase your online store. The SMS extension includes important features that assist in managing clients and arrange reward points through SMS.

Magento MSG91 SMS extension comes with a capability of sending the individual alert messages to the clients. It is responsible for sending out text messages straight to the clients at the time of order position changes.

Any knowledgeable Magento service provider may be used for setting up this limited extension on your site. This would definitely come out beneficial in a business like merchants may stay associated with clients everywhere in the world.

Check – How to use the Exam software to conduct the online exams easily.

This extension dependent on the SMS attribute on order checkout offers various advantages for the mercantile. They are:

  • Message activities may be signed for later authentications
  • A number of characters each message may be specified
  • SMS sender identity may be specified
  • Message would be delivered if clients get remuneration points

Features

  • Client would get notification SMS straight on their mobile phone on order position change.
  • The SMS would be delivered to the customers for – Order Shipped, Order Place, Order Cancel, Invoice creation, Order on Hold, Credit Memo, and Order Un-hold.
  • Codes are freely available and it may be personalized simply.

Differently, SMS marketing is a process that employs permission-based SMS to extend marketing messages. To get text message offers, latest product changes or more details, clients are generally needed to subscribe to an automatic arrangement by sending a primary shortcode. When a five digit code is sent, that user’s mobile number is then accumulated by whatever SMS software is providing the messages. A verification reaction is generally delivered like receiving for subscribing, with an unsubscribe code involved for prospective opt-out.

Generally, the aim of SMS marketing is to create a list of subscribers to improve client trustworthiness. When integrating close assortment marketing techniques, SMS are a perfect method of alerting people in your neighborhood of any instant offers, with not having to employ push-alert apps. More than telling your clients of future deals, it may also be the best method to deliver reminders for future events and connect your clients by surveying their views. If you have been looking for marketing strategy that is lightning fast then SMS will prove out to be your best bet. You can easily put your message into the pockets of your subscribers’ in seconds. From sending to being received, the average time taken by SMS services and mobile carriers is not more than 7 seconds. No other marketing strategy can match SMS swiftness.

Various delivery platforms let simple segmentation and administration, so the most applicable SMS may be delivered to people who are most probable to change. It is also favorable that it has a tendency to be less costly when evaluated with different methods of allocation, creating an economical mobile marketing solution.

If you just stepped in new business then definitely you need to have GST software to work without any hassle and focus on more productivity.

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Tips to keep your laptop safe, secure and healthy

laptop safety and security

Laptop users are known for their addiction connected to using laptop for endless hours. It is portable enough to travel along with anywhere without any hassle of detaching all the wires and then moving on. PC however, has turned to dust but entirely but step by step, desktop pc would see the end of it and would finally become extinct.

The best thing about laptops is that you can use your device in any location without having to find switch to plug the wires as laptops run of chargeable batteries. However, once the batteries run out of juice, you need to find a plug to charge your device.

Keep a laptop bag:

Keeping and using a laptop bag in essential in protecting your device from harmful factors. For example, laptops usually stop working when they get filled with too much dust. Hence, covering it in a bag makes it immune to all the threats that may enter your laptop through the flow of air. Moreover, a container bag of laptops makes it easier for us to carry it with a firm grip or tied to our shoulder instead of carrying your laptop in bare hands.

Be safe at the hotel:

Laptops are known for having all of our confidential work and hard to leave it with anyone youdo not rust. Hence, while staying in a hotel, try not getting too comfortable as you might be the owner of a successfully running online business and while you are at the hotel, someone may use your laptop and take away all that was confidential. Hence, keep your laptop either password protected, encrypted, and more.

Don’t overcharge:

The best way to improve the life of your laptop’s battery is to neither overcharge nor using it the last seconds of the battery. Try using your battery at a minimum level of 15% and not more than 85% in order to improve the battery life. Once the battery juice falls at 20%, try connecting your charger to the laptop to make sure you don’t fall below the boundary line.

Get a security software (trusted):

In case if you have a file that is confidential and you’re afraid someone might insert their drives and take all that was once yours away from you, than try using a USB data security and protection software that would allow you to password protect your data stored in USB drives. (Do delete your confidential data from its original location stored on your laptop). Hence, when you need to use that data again, simply insert them (USBs)into the trusted device (laptop) to access them again as you don’t need to install the software and connecting the USB drive is enough.

Don’t install software that you do not trust:

Buying software that has mass reputation is doable but suddenly out of nowhere installing a software that you do trust, is an open invitation to data thefts and prying eyes. Hence, avoid all such types of data loss threats by doing what you can.

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