Saving, investing and making money with technology

Category: Money

Easy Ways to Lower Your Internet Bills!

Different internet service providers are charging high bills these days – whether you are searching for smooth internet or robust connectivity, the costs are high. However, there still exist such providers who save you a considerable amount of money. Lots of people falsely think that if you want the best service, you will have to spend the tremendous amount of money. That’s not true. If you plan out everything and adopt specific strategies, you’ll be able to lower your monthly expenses in your budget. If you start off randomly, then that will make things hard for you, and you will end up subscribing to expensive broadband. You need to follow the specific guidelines to save your money.

Categorization Your Available Options: Firstly, discover what types of the internet is accessible in your area. It could be Cable, DSL or Satellite. Next, you need to find out all about the internet that different ISPs offer. For example, Viasat gives you DSL internet; charter provides with cable internet and Century link proposes Satellite internet. The third step is to find out the detailed info on every single ISP.

Digging Deep into Various ISPs: You can look into further details of what a particular ISP offer. For this, you need to visit the official blogs and online sites to gather all the information. There are numerous ways you can do it like contacting the supplier via a direct call, or text messaging and sending an email. Check out what sort of ISP people are using in your neighborhood. Ask them to share their experience, if they are content with their current providers or not. Read reviews online to get a grasp of accurate info regarding a specific service.


Analyze the Merits & Demerits: Detect the quality, stability, durability, and longevity of the internet. Find out the soundness, and robustness. Uncover the hidden drawbacks and snags of all ISPs. Probe if it can fulfill your demands of business internet usage or not. After you distinguish between ISPs, single out the one you find the best, and that ticks all the right corners.

Compare the Pricing: Know the prices of the internet plans by various internet providers. You need to complete your homework if you want to see the desired results. Juxtapose the costs by using comparison tools or apps available on the web or play store. Check out the monthly expenses on the providers’ website.

Latest Promotions & Deals: Often internet providers offer promotions for the specific period, in which they offer all of their services at quite an affordable price. You can get a half or a full year discount on your bills. If you get successful in convincing them, then you receive more discounts.

Bundles & Packages: Often internet donors bring forth the packages which offer numerous free services. Charter Spectrum Internet Bundles is one such example – it’ll give you voice as well as TV. Not only that you get a free modem, cost-free Wi-Fi, free installation, free Digital video recorder and a lot more free services.

New Subscriber Advantages: Diverse suppliers like Comcast, Verizon, Mediacom, AT&T, and Charter bring forward exclusive bonuses for the new customers. Search for such services and don’t hesitate to switch over to the provider, offering you each possible discount.

Buy up a Modem: After you subscribe to a particular ISP, they provide you with a modem or a wireless router. The router isn’t always for free, and most of the time you are renting it. The Providers add up modem charge like $5 to $10 in your bills every month. Therefore, if you want to preserve your money, instead of leasing a modem from the companies either purchase out the equipment or find the provider that offers a free router. You will be able to save lots of dollars this way.

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4 Tips For Saving Money For a New Baby

The initial excitement of finding out that you’re having a baby is thrilling.  As you start to see your future unfolding in front of you and all of the exciting changes that are in store, it can be an incredibly exciting time.

Along with the thrill and butterflies also comes an enormous pressure to be able to handle financial responsibility of bringing a life into the world.  There are all sorts of expenses to anticipate from the latest teething toys to diapers, to some salt rock lamp that everyone seems to say you need. Therefore, it’s in your best interest to try to save as much money as possible before your baby arrives.  Here are some of the best tips for cutting back on your expenses when you’re welcoming a new baby.

DIY

Looking at all of the latest baby gear and decor for your baby’s room can start to make your head spin when you see the price tags.  However, a lot of these items are actually relatively simple to make yourself.

Making your own materials rather than buying brand new can not only save you hundreds to thousands, but it’s very rewarding to know that you made it yourself.  It’s also a great way to spend your time while you’re in the nesting stage waiting for baby.

Buy Second Hand

Since babies grow so quickly, you will often find that you don’t even use half of the things which you buy for them.  This makes an excellent opportunity for finding things second hand.  Something that was used only a handful of times and is still in mint condition can be a fraction of the original price.

Take a look on websites like Craigslist or eBay to find great deals on pre-used items.

Have a Baby Shower

If you weren’t considering having a baby shower, then think again.  A baby shower isn’t just about playing silly baby games, and awkward gender reveals.  It’s about getting free stuff! Traditionally all your friends and family come with a gift to help ease the burden of paying for everything when the baby comes.  Usually, a friend will organize the event for you, so you don’t have to do anything but show up and get gifts. Great concept, right?

Create a Budget

If you’ve always been pretty relaxed about your spending habits and let things slide without much worry, you may want to tighten the belt of your finances since you’ve got a baby on the way.

Creating a budget is a way to create guidelines for yourself so that you control your spending and save more money overall.  By keeping an eye on how close you’re coming to reaching your limits, you’ll be less likely make frivolous purchases.

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4 Tips For Reaching Your Financial Goals

Having a strong financial situation is something which doesn’t just give you the tools to live a more comfortable lifestyle, but you’ll find that you have less stress in general.  Even though money can’t buy you happiness, it can sure make things a lot more comfortable.

When you stop seeing money as your enemy, but rather as a tool, you can use it to transform your life with extraordinary results.  The secret lies in knowing the right road map to lead you to fruition. Here are the basics for reaching your financial goals.

Create a Vision

Having a vision of where you want to go in life is essential.  Not having a visual picture of what you want is like getting to a car without having a destination.

You’ll need to spend some time thinking about precisely what you would like to see in your future. Is it becoming the best in your field and knocking down the competition?  Would you want your business to expand internationally one day?  What is your ideal monthly income? What would you spend it on?

Being creative about how you envision the end picture will help you shoot for the stars.  It’s all about believing that it’s possible. Don’t worry about how you’ll get there yet, just about what you’d like to achieve.

Formulate a Plan

Once you’ve got the vision clearly in your mind, it’s time to start mapping out how you’ll get there.  Without a plan, your financial goals only remain a dream. Therefore, you’ll need to know how to make your dream a reality by executing a plan.

If you aren’t sure how to arrive at your goals, then you should surround yourself with experts who can help mentor you on your way.  Through their advice and consultations, you’ll be able to avoid costly mistakes.

Keep Track Of Your Spending

While on your journey to financial abundance you should keep track of where your money is going.  Spending frivolously without any idea where it’s going is a fast lane to bankruptcy.  

Always know where your money is going and why it went there.  If you don’t know where all your money is going or why it’s disappearing, you’ll quickly start to feel frustrated and out of control with your finances.

Build Up Your Credit

Having a strong credit score will help you reach your financial goals.  As a result of a good score, you’ll be approved for loans and lines of credit which can help you expand your vision even more.

Rather than seeing credit as “free money” you should see it as a tool for generating even more money. Having this attitude will ensure staying ambitious and increasing your profits.

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Thinking of long-term investments? Here is how you should proceed

Investments are an excellent way to save and make money. Whether it is investing in gold and real estate or venturing into equity or passion investments, the various methods require one to bear the market risks as he or she awaits a healthy return on investment. One caution many would recommend against the risks the market poses is to invest long-term so that your capital can bear out any fluctuations and post growth over a period.

If you too are considering long-term investments, here are some tips on how to proceed to ensure the best returns:

Research

Smart investment requires in-depth analysis. One needs to be aware of the company’s promising products and strategies. Various comparison websites and other online resources help people understand and analyze investments today. If going for a unit trust or a mutual fund, it is also advisable to look at the fund’s performance over the past few years and check the management fee as well.

Diversify

No matter how brilliant a single option seems, diversifying your capital is of utmost importance – be it through the stock market, bonds, mutual funds, or any other instruments. As a general rule, it is advisable not to invest more than 10% of your portfolio in a single instrument. Diversifying provides the investor protection against a collapse in any particular sector over a long duration of time.

Maintain a balanced portfolio

Every investor wants to stay in the market with minimal risks, and the key to moderate risk appetite is a balanced portfolio. Help your investments generate a decent CAGR with a healthy mix of small-cap, midcap, multi-cap, and large-cap. Take higher risks during the initial years to create a suitable initial corpus and compounding returns can be enjoyed towards the later years.

Do not hurry

Perhaps the most crucial piece of advice for a long-term investor is to take the long view. Trading frequently is a no since the commission is bound to eat into one’s funds. It is equally necessary not to follow the trends and fads and diversify in a smart, sensible way. A lot of investors panic when the market occasionally crashes, but over the years, it is bound to crash some time or the other. Rather than the time to take preventive measures, consider a crash as a buying opportunity.

While age-old investment methods like fixed deposits are still in high demand because of the safety net they provide and some schemes like Bajaj Finance Fixed Deposit also provide a high FD interest rate of 8.40%, with additional rates of interest for senior citizens. You can use the online Fixed Deposit Interest Calculator to check how much you can gain by investing in an FD.

So, while fixed deposits are indeed the way to go for those unwilling to take any risks, people who can afford to stay in the market should go for the other available options. The longer you invest for, the more protected you are against market fluctuations and the higher returns you can enjoy.

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Skills You Must Learn In Order To Save Money

Even though most people who work to earn their living have a clear idea about what they are going to do with their earnings, a majority of them fail in one aspect – savings. Yes, there is that dream amount of monthly savings but so often people fail to meet that goal and end up blaming it on various reasons. Just like earning money requires skills, so does saving money. It is a smart tactic which most affluent people practice without having to come off as a cheapskate. All it takes is some discipline and some skills which anyone can hone with time and patience. Here are some of them.

Hunting for deals

One of the most significant monetary skills you can learn is the cleverness of deal hunting. Not to be mistaken by the occasional browsing of clearance racks at preferred clothing stores, hunting for deals requires a nose for good deals and the experience of an investor. It requires a person to have his eyes and ears open at all times. A small property opening at a sector which offers 30% growth in ten years – tie it down. A noted supermarket conducts fire sales at a certain time of the year – make sure all shopping activities are arranged keeping in mind the annual date of the sale. All of these small factors could not only help a person to save extraordinary amounts on a regular basis, they also get to maintain a healthy level of lifestyle by paying less.

Self management of financial tasks

Learning to manage ones’ finances sensibly helps in saving a lot of money. It can help a person to avoid paying excessive interest on credit cards, dodge needless bank charges and save on other expenses. Learning to comprehend legal or fiscal papers can help people determine whether or not they are taking the finest contract on their mortgage or selecting the top checking account. In order to start becoming a self-manager of person finances, here are the first steps everyone must take –

* Recite the fine print for every bank account. Double check to find a better option at the bank.

* Balance all bank accounts on a regular basis.

* When taking a loan, make sure that only the best offer on the market is getting selected.

Making a budget

A personalized budget can easily be created using the programming language C#. For better insight, you can visit portals like Csharp-Station.Com – a community website for ambitious people willing to make their customized applications. Once the users are able to master functions such as how to execute stored procedure in ASP Net Using C# they can create their own budgets that can be strict and compact.

Learning about investing

Once the savings are on track, every financially ambitious person must sit down with an expert and think about multiplying his savings. Investing is a skill set that is most important for anyone looking to make it big in the modern market.

By developing these skills, anyone can become smarter and wealthier. These skills can be mastered with a little bit of effort, and the rewards can be lost lasting.

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12 Quick Tips to Cut Down Your Monthly Budget

If you want to save money, pay attention to how you’re spending it. Little luxuries like a latte every morning add up fast. But if you’ve been pinching pennies for a while and feel like you’re getting nowhere, it may be time to reevaluate your priorities. These tips provide specific steps you can take to reduce your bills and trim the fat from your monthly budget without scrimping on the good stuff.

1. Plan your meals

After a busy day, the last thing you want to do is more work in the kitchen. But if you plan for quick and easy weeknight meals, making dinner doesn’t have to be a chore. Avoid the take-out trap by prepping your breakfast or lunches for the week, and watch those few dollars a day add up to significant savings over the course of a month. Once you’ve planned your meals for the week, craft a grocery shopping list to keep you on track when you’re cruising the aisles. Also, remember that grocery shopping hungry is a recipe for disaster.

2. Cut the cord

Look carefully at the cost of cable or satellite TV and decide if it’s worth it for your household. Most of the time, you can catch your favorite shows with subscriptions to streaming services like Sling TV or Hulu. Not sure if cutting the cord makes sense for you? This cord-cutting tool will let you select which channels you can’t live without and recommend a streaming package that fits your viewing priorities. Cutting the cord may save you up to $100 per month, so it’s worth a shot.

3. Energy savings add up

Every penny counts, and that’s especially true of energy consumption. You may not realize it, but with a few minor tweaks and changes, you could increase your energy efficiency and save hundreds of dollars per year. An excellent place to start is the Energy Saver Guide published by the Department of Energy. It’s full of tips to help you save money at home, including how to conduct an energy audit, weatherize your home, and choose energy efficient appliances.

4. Plan for big purchases

Need a new car or plan to go back to school this year? Work those big purchases into your monthly budget as smaller line items so when it comes time to pay the bills, you’ll have enough set aside to cover the costs. This system works well even for luxuries and can help you appreciate the effort it takes to afford these items rather than feeling guilty about splurging.

5. Take advantage of discount days

Just because you’re trying to save money doesn’t mean you have to scrimp on the fun. Look for coupons for local activities and entertainment or catch an afternoon matinee to see the latest blockbuster. You can also check out local attractions during free museum day or check online to schedule your next visit for a discount day.

6. Play it safe and stay in

Partying it up at home has lots of hidden benefits, including not having to call an Uber at the end of the night. Offer to play host and have your friends congregate at your place for a potluck dinner party or take turns having a weekly cocktail hour. If you have a large group of friends willing to chip in, you’ll get a change of scenery along with your savings.

7. Clean house

This tip applies to more than just tidying up. Go through closets and cupboards looking for things you don’t use anymore. Sell high-priced items in your local classifieds and have a garage sale to generate a little extra cash flow. And if you send things to a local nonprofit, remember to get a receipt. Those donations may be tax deductible.

8. Get it on loan from the library

You’ll be shocked by what you can get on loan from the library these days. In addition to books, music, and movies, you may be able to check out toys, games, tools, and even telescopes. Also, remember that libraries offer community classes on lots of topics from auto repair to computers to financial advice.

9. Give of yourself

Before you go out and buy a last-minute birthday gift, think about what that person in your life would truly appreciate. Volunteer together at their favorite charity, spend a day picnicking at a local park, or craft something truly one-of-a-kind. Often, you’ll discover that giving your time and attention is a much better way to show your love than any gift money could buy.

10. Repurpose, reuse, and recycle

Buying used is an attractive option if you’re looking for a bargain, and it’s also a way to cut down on waste. Shop thrift stores for clothing and furniture, and consider refurbishing electronics instead of forking out extra dough for the latest technology. That old iPhone may work just fine with a new battery and a little TLC.

11. Look into lowering your monthly bills

Car payments, student loans, and insurance bills can be expensive and may be the largest line items on your monthly budget. Do your research online and work the phones to see if you can find yourself a better deal that will lower your monthly payment. While cutting corners on expenses may add up over time, reducing these bills is the easiest way to get more bang for your budgeting buck.

12. Schedule time for finances

Last but certainly not least is scheduling the time to work on your finances monthly. If saving money is a priority for your household, set aside time to evaluate your spending, draft a budget, and invest wisely. As Benjamin Franklin once said, “An investment in knowledge pays the best interest.

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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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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

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Business Checks vs Personal Checks: The Untold Advantages of Using Business Checks

Personal checks are usually available at a much cheaper rate compared to manual business checks. This often prompts people to wonder about the differences between the two. Is it worth paying extra buying business checks? Well, the higher cost of business checks is justified by a few extra features that are geared to serve business users. For starters, business checks have larger dimensions and they are thus easier to print on. Apart from its size, business checks also come with more customization options as well as more security features. Without further ado, let’s check out a few advantages of using business checks for making business payments.

More Security:

While individuals rarely write checks, businesses need to issue multiple checks every month. The sheer number checks issued by businesses makes them susceptible to check fraud. Personal checks do come with standard security features such as watermarked text and designs. However, they don’t have as many security features as business checks. Right from holograms to heat sensitive paper, the latest in security technologies are often employed to make business checks more secure. Businesses can also spend extra and buy high security laser business checks. These checks are impossible to counterfeit and thus delivers a level of peace of mind that standard personal checks cannot match.

Fits a Double Window Envelope:

Personal users often write checks and hand them over to recipients. Businesses rarely do that. Most businesses print checks using their accounting software programs and send them via mail. Sending checks through the mail, allows businesses to get a delivery acknowledgement from the recipient. Now, the favored enveloped to send checks via mail is a double window security envelope. Business checks have a size that perfectly aligns with the transparent windows. This is why if you intend to send checks via mail (like most businesses) you need to order business checks.

They Come with Check Stubs:

If you have always used personal checks then there is a good chance you have never heard of check stubs before. They are tiny pieces of paper that are attached to each individual check. The purpose of check stub is to record the information of all the checks issued. Considering businesses need to write hundreds of checks in a calendar year, these stubs are essential for recordkeeping and they help business owners settle payment disputes.

They Are Not That Expensive:

If you are ordering business checks from the bank then you are certainly paying more than you should. If you skip the bank you should face no trouble finding cheap checks online and supermarkets. Now, because businesses typically order checks in bulk, the per-check cost can actually be lower than personal checks ordered from the bank.

Customization Options That Matter:

Business checks come with personalization options that personal checks typically do not. For example, you can order business checks with extra a memo line and a space for two signatures. Business checks also have room for business contact information and a company logo. This allows businesses to boost brand visibility.

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