Saving, investing and making money with technology

Category: Money

Should You Opt for a Personal Loan?

There might be situations in your life when you will need some funds urgently but might not have any in your bank account. At such a time you can ask for some funds from your friend or relatives, but that imposes a lot of restrictions on you. So the next best thing that you can think about is taking a personal loan.

Availing a loan is not as easy as it sounds and there are a few procedures that you need to complete before the bank approves your application for a personal loan. The proceeds that you earn from a personal loan can be used for any reason that you deem fit. The financial institutions or lenders give you the liberty to use the money in whichever way you want.

Here are a few situations when you can opt for a personal loan:

1. When You Want to Consolidate Your Debt:

Having a debt can prove to be a real nightmare if you do not have any money to pay off the debt. In the modern world, swiping a card has given us the power to spend the money which we actually do not have. But while swiping our cards, what we do not consider is that we eventually have to repay this money to the financial institutions or lender.

Repaying this debt can put you through a tough time as the rate of interest that you have to pay is quite high. But instead of paying a higher rate of interest you can opt for a personal loan and pay off all the debt that you have. The advantage of taking a personal loan is that it offers a lower rate of interest comparatively and you will be able to pay off all the debt in one go.

2. When You Want to Explore New Place:

Traveling to new places has and exploring them has become very popular these days. With this rising popularity, there comes a rise in the local market which makes everything very costly. And you cannot always the funds to pay for all of this.

In such a situation, you can opt for taking a personal loan. A personal loan can help you pay for all the things included in the trip right from the charges for the hotel stay, the food, the sight-seeing and it will even pay for your tickets to the destination.

3. When You Have a Medical Emergency:

Most medical conditions come unannounced and you never know when you will be needing funds to pay for all the medical bills. When you have to face a medical emergency it becomes very difficult to deal with the financial situation as well. It becomes very difficult to cough up a huge amount of money in a short span of time and in such a situation, you can always opt for a personal loan.

4. When You Want to Change Things Around Your Home:

Taking a personal loan to change a few things around you is the smarter thing to do as home improvements can cost quite a lot. The expenses for home improvements will increase if you an old home and you want to renovate it completely. Since you can use the proceeds of a personal loan for any reason, you can use the same for making any major changes around your house.

A personal loan is a serious financial decision and it is not to be taken lightly. Taking a personal loan will affect your monthly finances until you pay off all the debt. You will have to pay Equated Monthly Installments (EMIs) until you are cleared of your debt and that will have a huge impact on your monthly income and expenses.

Also Read: A Handy Guide To Personal Loan

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Getting Relief From Debt

I was up to my eyeballs in debt and Nationwide Debt Direct saved me from drowning in the debt. The view from underneath a crushing debt burden can be pretty grim. If you’re struggling with a mountain of debt that seems poised to grow indefinitely, you may feel as if you’re no longer in control of your own future. In fact, you may feel like giving up completely. When you’re barely able to keep up with your bills and your interest rates seem to increase with no end in sight, it’s normal to want to throw in the towel.I’m sleeping better knowing National Debt Relief is helping me to eliminate my debt.

Helped me settle my debts that were choking me

National Debt Relief has taken a big weight off of my shoulders.National Debt Relief has taken a big weight off of my shoulders.I was in a tough spot, financially and emotionally. Now I can see a light at the end of the tunnel finally.You can’t properly manage your own money without some measure of financial literacy. Money matters can be complicated and often seem trivial, but there’s a lot at stake when your financial future hangs in the balance. While a single article can’t possibly cover the full range of things that you need to know in order to be financially literate, this piece is a start. It’ll teach you how to improve your money IQ at home and on the web. If you’re lucky, you might just be able to tell a five-year ARM from a no-penalty CD when you’re done.

Now I can see a light at the end of the tunnel finally

You may wish that you had a financial professional on call to whisper sage money management tips in your ear, but you’ll have to make do with guidance from your peers. This shouldn’t be a disappointment: The best money management advice often comes from folks who have firsthand experience with financial distress. Even better, much of this advice is straightforward and easy to implement. This article features everything from clutch tips on stretching your household budget to advice for dealing with a particularly aggressive creditor.

Best decision I’ve ever made

Managing your household finances can be trickier than it appears to be. Nationwide Debt Direct has taken a lot of weight off of my shoulders. Whether you’re young and single or share a full house with your overworked spouse and multiple kids, you’ll need discipline and moxie to avoid taking on too much debt. This article contains everything that you need to know about creating a realistic household budget, sharing common expenses with your spouse, and teaching your kids how to manage their own streams of income.

Getting debt Relief from Nationwide Debt Direct

Whether you’re struggling under a crushing load of debt or want to fix your nascent credit problem before it gets worse, you could probably use some well-placed money advice. If so, take some time out of your busy day to peruse these easy-to-read articles about everyday personal finance concepts.

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The Best Ways For Financial Planning

Well you know personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics works together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.

“Think different.” That was one of Apple’s first advertising slogans, but it’s also applicable to the way successful people handle their money. Since before the Stone Age, our brains have been wired for short-term thinking and immediate gratification, and those tendencies can be hard to shake. But training your brain to consider the future, decide on your priorities, and check in regularly with your finances can turn things around.

Do this: If you’re going to spend less than you make and consistently put money aside for the future, it’s vital to rank your priorities. So make a list of what you value most — do your best to keep the list short! — and allow yourself extra wiggle room in those areas.

The lesson: “If you’re sick with something you don’t understand, you should ask a doctor,” says Chris Chen, wealth strategist at Massachusetts-based Insights Financial Strategists. The same idea applies to your finances. And if you’re worried about coming off as a financial newbie — “It’s the opposite,” says Barrett. He and other advisors we spoke with said their most savvy and financially literate clients tend to ask the most questions.

These great steps of financial planning are used by the best financial planners, specifically Certified Financial Planners (TM), when creating and implementing financial plans for their clients. However, these steps can and should be followed by every investor or individual.

The lesson: “You can’t have it all” is the pessimist’s way of looking at things. The optimists? “You can have what you value most.” That’s how many successful people look at their money, and it’s a big reason why their wealth has grown — instead of diminished — over time.

Rusty Tweed, the president and owner of Tweed Financial Services, first entered the financial services industry close to 25 years ago. In the time since, Mr. Tweed has demonstrated a deep commitment to the idea that every client deserves access to a comprehensive, detail-oriented approach to financial planning that ultimately leads to a secure financial future aligned with the personal financial goals and objectives expressed by the client. As the president and owner of Tweed Financial Services, Mr. Tweed has repeatedly gone above and beyond in order to live up to the ideals upon which his company was founded almost a quarter of a century ago.

Private Wealth Management1,2 brings your financial life and legacy together, creating a comprehensive plan that’s customized for you. Your Private Wealth Advisor will be your personal guide and single point of contact, working diligently to understand what you want to achieve in life and how you define success. Then, with a team of specialists in investment management, credit and banking solutions, financial planning, trust and estate services, and risk management, your advisor will develop a plan that’s designed to help you:

Pass on assets to your heirs

Manage medical expenses in retirement

Maintain your standard of living into retirement

Protect your wealth and property

Navigate complex employee benefit plans

Support a cause that’s important to you

Use credit to manage cash flow and income

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Why Brands Should Work With Bloggers

Well I think whenever someone is first introduced to the world of blogging, invariably the first question is “How do bloggers make money?”

They want to know how writing articles and posting them on a webpage can turn into cash. It is a fair question for sure. After all, if you are not familiar with the concept at all, then you wonder if it is a legitimate way to earn an online income. When speaking about communications Nancy Behrman is a great communicator.

If you can get paid for something while you are sleeping and it does not require you to exchange future time for money, then you have a low maintenance passive income stream.

The individual transactions are smaller but they happen more often and don’t require your time. Every morning when I wake up I can log into my Google Adsense account and see that I made money while I was sleeping.

Here are some ways that bloggers make money. I won’t be able to go into great detail on how each of these work, nor have I used every one of these to make money.

Some bloggers only focus on how to do 2 or 3 of these really well, while others try to add as many of these as possible to their income buckets. I like to try and master one and then move to the next once I get a handle on one. Also, visit our Make Money page as we are constantly adding new income ideas for you.

I know, it’s a daunting prospect – little blogger trying to play with the big brand boys. Well, you know what? You can do it! Really. And what it starts with – the most critical part – is understanding your value as a blogger. Each and every one, big to small blogger, has value. And if you know and understand the value you have, and how your unique influence has an effect on others, you are way ahead of the game.

Getting brands to understand that, in some instances, can be a little more difficult. But you are your best advocate for you and your brand. Yup, I said it – you yourself are a brand. And as the front (wo)man, the first line of everything and you have the power to make the most of what you have to offer.

How does this work? Anytime someone clicks on your ads, you earn money. The most popular is Google Adsense. On average clicks earn between .15-.50 cents per click, but I have personally seen as much as $5.00 for a click.

Well you know that companies have been using celebrity spokespeople for decades, with varying degrees of success. While hiring A-listers to promote products will likely always be a popular marketing strategy for certain multimillion-dollar brands, savvy businesses are tapping into a new model of using endorsements to boost a brand’s profile and credibility. Few professionals can legitimately claim the status as a truly innovative force in their industry in the way in which Behrman Communications founder Nancy Behrman ,she has been able to cover the course of her illustrious career in public relations and brand building.

In developing the Behrman PR strategic approach, Ms. Behrman has succeeded in altering the public relations industry as a whole and has a remarkable track record of transforming brands and elevating even the smallest of concepts into multi-million dollar ventures that clearly benefit from the worldwide recognition created by Behrman Communications.

The idea is to adopt a broader definition of what makes an effective spokesperson. Musicians, actors, and professional athletes are incredibly expensive, and the resulting campaigns are often difficult to measure

For some companies, it’s far more valuable to hire an affordable spokesperson with a track record of good ROI. Someone with a built-in community, social reach, and real world expertise in brand collaboration.

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Online Technology that Helps Build Your Money-Making Potential

When it comes to personal moneymaking potential, online technology has a lot to offer. There used to be gatekeepers that would prevent certain types of information getting out unless you paid for it. The rules of the game have changed now, however, which levels the playing field in many cases.

You can take continuing education courses, join virtual social groups, update online resumes, and find all sorts of potential passive income via various online technologies. It does take some time, effort, and energy to figure out how to make these resources work for you, but the sooner you dig into the possibilities, the sooner you will benefit.

Continuing Education Courses

Especially if you’re a teacher, you want to have as much certification behind you as possible to make as much money as you can. The more education you have, the more money you deserve! So, you can take continuing education courses to bump up your income potential. There is a huge jump in salary between teachers who have a Bachelor’s degree and a Master’s degree for instance. Using online resources to further your teaching education has a significant return on investment.

Social Groups

Joining education social groups can have payback potential as well. Not only are you increasing your network of available clients or employers, but you’re also learning how to interact with people who make more money than you. When you see how successful people function within a group, you can start to emulate those characteristics yourself, thereby making yourself more competitive. Make sure that you pay attention to basic online etiquette, and joining social groups through the major media platforms will ultimately have lots of positive effects.

Online Resumes

Be sure to update your online resume every time you add another skill set to your professional array of accomplishments. Online technology allows you to have a real-time resume up where employers can look for it through all different types of platforms. If an employer is impressed with your resume, that will give you an immediately larger sense of job options, some of which probably allow you to make more than your current salary.

Passive Income Potential

The Internet is a tremendous equalizer when it comes to the availability of passive income as well. When you begin to research how to set up websites and advertising so that you’ll get revenue from online sources, you’ll find out that though it takes a while to get rolling, once you have an established online presence, the potential for income only increases over time. As long as you maintain the fundamental value of your website, there are millions of options for you to create income opportunities for yourself.

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Best Buy & Staples: Printer Shopping Made Easy

Online shopping is increasingly becoming the new black. From the simplest items such as groceries to office equipment, people are now turning to online platforms such as Best Buy and Staples to shop for almost everything. Due to that, such online stores are now on the rise and every day we wake up to news about the launching of a new shopping platform. However old is gold and the old online shopping stores remain the best especially for office equipment like printers. To help you prepare for what you should expect, my team and I went hunting in platforms known for providing the best selection of printers. We have put together a list showing differences between printers in these two shops and the overall shopping experience.

Brands available at Best Buy

At Best Buy you get to choose between HP, Epson, Canon, and Brother. All these come from well-established brands and which are known for their efficiency.

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Epson printers-Printers from Epson are the most common sight at any office which goes a long way in proving that they are efficient. They boast a 3-in-1 functionality, inbuilt wireless networking, a 100 sheets input tray and even borderless printing. Through Best Buy you are now able to buy this printer.

Canon– Printers from Canon take you a notch higher with their four in one functionality, and different print speeds. They too offer you wireless and inbuilt networking.

Hp– These are simply the best from Best Buy, and they pride themselves over Wi-FI, four in one functionality, a 35 sheet automatic document feeder, a 100 sheet input tray and they can print up to 9.5 black sheets and up to 6.8 ISO colored papers.

Brother -These too, bring with them some remarkable features, and they have an even higher capacity of tray input as they can hold up to 250 sheets. They also boast a touch screen and four in one functionality. They can print up to 32 papers.

Staples is your Office Superstore

Printers at Staples

At Staples, you get printers from the same brands as those at Bestbuy just that, Staples goes on to add your options by offering those from Kodak, expression, and Dell.

Kodak– With the latest printer from Kodak, you get to do everything from scanning, downloading and printing projects all in one step. They are wireless, and some of them have LCD screens. You get to buy them quickly from Staples.

Expression-They come in a compact size which allows you to use them even in minimal space but they are highly functional, and you can scan copy and print freely. The 2.7 LCD screen enables you to navigate effortlessly.

Dell -These have 3 in 1 functionality, have high speeds, they allow two-sided printing which saves you on time and they have USB and Ethernet inputs.

 

Best Buy expert services and Unbeatable Prices

Overall shopping experience

Both shops offer you a good shopping experience, if you are doing it online, the response is quite fast, and the delivery is always on time. They stock printers from some of the best brands which ensure that you get nothing but the best. Also, they offer a diverse array to select from regarding size and price. Both shops are more than willing to replace printers which have issues hence your money does not go to waste if you buy a product which is not functional.

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4 Stocks That Could Double in 2017

© 2016 PTE.la PTE, LLC (publisher of PTE.la) is NOT registered as an investment adviser nor a broker/dealer with either the U. S. Securities & Exchange Commission or any state securities regulatory authority. Users of this website are advised that all information presented on this website is solely for informational purposes, is not intended to be used as a personalized investment recommendation, and is not attuned to any specific portfolio or to any user’s particular investment needs or objectives. Past performance is NOT indicative of future results. Furthermore, such information is not to be construed as an offer to sell or the solicitation of an offer to buy, nor is it to be construed as a recommendation to buy, hold or sell (short or otherwise) any security. All users of this website must determine for themselves what specific investments to make or not make and are urged to consult with their own independent financial advisors with respect to any investment decision. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing.

All opinions, analyses and information included on this website are based on sources believed to be reliable and written in good faith, but should be independently verified, and no representation or warranty of any kind, express or implied, is made, including but not limited to any representation or warranty concerning accuracy, completeness, correctness, timeliness or appropriateness. In addition, we undertake no responsibility to notify such opinions, analyses or information or to keep such opinions, analyses or information current. Also be aware that owners, employees and writers of and for PTE, LLC may have long or short positions in securities that may be discussed on this website or newsletter. Past results are not indicative of future profits. This table is accurate, though not every trade is represented. Profits and losses reported are simulated figures from virtual simulated portfolios.

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Viewers should always consult with alicensed securities professional before purchasing or selling any securities of companies profiled or discussed in our releases. It is possible that a viewer’s entire investment may be lost or impaired due to the speculative nature of the companies profiled. Remember, never invest in any security of a company profiled or discussed in a release or on our website unless you can afford to lose your entire investment. Also, investing in micro-cap securities is highly speculative and carries an extremely high degree of risk. To review our complete disclaimer and additional information, please visit  http://www.PTE.la. PTE.la makes no recommendation that the securities of the companies profiled or discussed in our releases or on our website should be purchased, sold or held by investors.

PTE.la is owned and operated by PTE LLC. PTE LLC has not been compensated for this newsletter, but this message was sent by Pte.la and may contain commercial elements (such as advertising). Any compensation received by PTE LLC constitutes a conflict of interest as to our ability to remain objective in our communication regarding the profiled company. A third party of PTE LLC may have shares and may liquidate, which may negatively affect the stock price. PTE LLC affiliates may at any time have a position in the securities mentioned herein and may increase or decrease such positions without notice which will negatively affect the market.

Some of the content in this release contains forward – looking information within the meaning of Section 27 A of the Securities Act of 1 9 9 3 and Section 21 E of the Securities Exchange Act of 1 9 3 4 including statements regarding expected continual growth of the profiled company and the value of its securities. In accordance with the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 it is hereby noted that statements contained herein that look forward in time which include everything other than historical information, involve risk and uncertainties that may affect a company’s actual results of operation.

A company’s actual performance could greatly differ from those described in any forward – looking statements or announcements mentioned in this release. Factors that should be considered that could cause actual results to differ include: the size and growth of the market for the company’s products; the company’s ability to fund its capital requirements in the near term and in the long term; pricing pressures; unforeseen and/or unexpected circumstances in happenings; etc. and the risk factors and other factors set forth in the company’s filings with the Securities and Exchange Commission. However, acompany’s past performance does not guarantee future results.

Generally, the information regarding a company profiled is provided from public sources which we believe to be reliable but is not guaranteed by us as being accurate. Further specific financial information, filings and disclosures as well as general investor information about the profiled company, advice to investors and other investor resources are available at the Securities and Exchange Commission (“SEC”) website  www.sec.gov and the Financial Industry Regulatory Authority (“FINRA”) website at  www.finra.org. Any investment should be made only after consulting with a qualified investment advisor and reviewing the publicly available financial statement and other information about the company profiled and verifying that the investment is appropriate and suitable. PTE.la makes no representations, warranties or guarantees as to the accuracy or completeness of the information provided or discussed. Viewers should not rely solely on the information obtained in this release or on our website.

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State Operated Casinos

State operated, land based casinos are a major source of revenue for many states. They offer many of the same gaming experiences as Las Vegas casinos such as the traditional blackjack and poker table games, as well as a large variety of slot machines. Technology has changed the style of the slots, transforming them into a visual entertainment experience mimicking games and game shows such as Monopoly and Wheel of Fortune.

Instead of marketing the casinos as places to gamble, the experience has been repackaged as gaming. Critics say it is clearly a way to make losing your money as fun because the odds are always in favor of the casino. But the amount a player spends at a slot machine can be as little as five cents per play while getting the benefit of being visually entertained. Add to this the fact that many casinos also offer live entertainment and popular restaurants to eat at, and the casino is now an adult getaway.

State operated casinos differ from privately owned casinos in two ways. The first is that by law, the casino has to pay out a certain percentage of gaming money back to the players in the form of winnings, called the pay off percentage. The second is that while the states take in millions of dollars each year from casino operations, most of that money is returned to the public to fund public programs such as education or senior citizen programs that benefit all its citizens.

Looking toward the future, states are now looking at online casinos for additional sources of revenue. The Department of Justice ruled that online gaming (excluding sports betting) did not violate any Federal laws, and gave each state the right to decide whether or not it was legal for their citizens. Nevada and New Jersey are two states that already allow online gaming if you are within the geographical boundaries of the state.

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What Mistakes Should You Avoid While Investing In Fixed Deposit?

People usually hesitate while investing their funds as they don’t want to end up losing their money. Investments always involve risks but investing in a right place can always help you earn higher returns. Since our  childhood, we have been taught to save money so that we can utilise it at the time of an emergency.

Though saving is an age old method, investing your funds these days can help you earn higher returns. You might have some surplus funds coming from a business profit or from a salary hike or even from inheritance. No matter how you receive the surplus money, investing them can always help you earn higher profits over it. When it comes to investments, people usually hesitate to invest their funds as it involves risk. But if you park your funds in the right place and at the right time, you are likely to earn benefits from it.

Fixed Deposits is a major and a commonly preferred way to invest funds. Though fixed deposits are considered as a safe investment option, there are times when you can make some mistakes while investing in a fixed deposit.  These mistakes can get you in a huge trouble. Although fixed deposits have less risk involving factors, it is still important that you must avoid these mistakes while investing your funds:

● Using all your savings:

At times, people resort to investing all their savings in the hopes that they will earn higher returns in the future. Even though you will be getting higher returns in the future, you should not invest all your savings in a Fixed Deposit account. It is a known fact that you can only withdraw funds from a Fixed Deposit after it gets matured. Thus, when you invest all your savings in a Fixed Deposit, you will have no financial backup whatsoever. In case if you need money urgently, it can get difficult for you to arrange funds if you don’t have a financial backup. In such scenarios, you might have to break your FD which is not an ideal situation to be in.

● Don’t ignore the liquidity term/conditions:

In case if you are stuck in a financial emergency and need some urgent funds, then you can use the money that you have invested in Fixed Deposits as an option. Though a Fixed Deposit account can be more liquid than other asset options, you cannot withdraw funds from your Fixed Deposit account. Fixed Deposits restrict fund withdrawal before its maturity. In such a situation, you can only break your Fixed Deposit to liquidate your funds, but breaking your Fixed Deposit will lead you to pay a penalty.

● Not being assured of your returns:

Before you invest your hard-earned money in a Fixed Deposit, it is essential that you have checked and compared all the prevailing rates in the market. Compare all the prevailing prices in the market and select the lender which provides you with the best rate of interest. Evaluate the returns by using various online tools like FD Calculator. This will help you to determine your earnings and you can do so within a few clicks.

● Compensation for inflation using an FD: 

If you intend to increase your purchasing power, a Fixed Deposit is not the greatest idea. Fixed Deposit interest rates have been influenced in the recent times. But before you invest, it is essential that you stay aware of all the latest happenings in the market.These are some mistakes that yo should avoid while investing in a fixed deposit to have safe investment and earn higher returns in the future.

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The Success Story of The Biggest Online Payment System {PayPal}

In the chart of successfully growing businesses, PayPal rightfully occupies one of the top spots. Founded in late 90’s by Elon Musk and a group of enthusiasts, PayPal is now recognised as the world’s largest online payment processor.

After seeing some ups and downs, the company proliferated. Between years 2000 and 2002 PayPal grew big enough to finally announce its entry to the charts of NASDAQ with $13 per share. Later, PayPal merged with eBay for the tremendous $1.5 billion, becoming the only payment gateway for eBay users.

PayPal is now available in 203 markets and multiple currencies. It allows customers to hold balances, deposit and withdraw their funds securely, with full compliance and control over their financial data.

The company also vouches for its moral standing in the market. Hence the decision to withdraw as a payment method from the majority of the gambling websites. The decision contributed to the reputation of PayPal; the platform is recognized as the world’s most reliable payment s with system ever growing user base. The company acquires different payment solutions to penetrate into the online retail market even further. Recently, they collaborated with the MasterCard, leading to the inception of the Secure Card service. This decision alone brought the company a revenue of the whopping $1.8 billion.

PayPal drives the time reduction for any transaction; financial data collection and manipulation is automatized. Information is processed through the innovative Informatica MDM, governance and PowerCenter platforms. Robust transaction control and security makes PayPal service the most preferred and trusted by the ever growing user base.

The prominent success story of PayPal has inspired many start-ups. Nevertheless, if you still think that transactions can’t go beyond bank accounts, we strongly suggest taking a closer look at our infographic below. Facts and figures speak for themselves; a quick and simplified system like PayPal is what you get by keeping up with times.

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Official PayPal Seal