Ways To Make Extra Spending Money

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Posted by MJTM | Posted in Financial | Posted on 04-04-2017

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dA common desire for families is to have extra spending cash. They work hard at their day/full time job but the salary just isn’t cutting it. A lot of times, people have side jobs to earn this extra money. Below are some ideas to get you motivated for your side hustle.

Direct Sales

There are many companies out there whose focus is the side hustle. Direct Sales jobs are often taken on in conjunction with a full time job, but they can also be a full time job on their own depending how well you do. Companies such as Stella and Dot, Avon, Mary Kay, Beauty Counter, Lu La Roe, etc. are direct to consumer sales and are very successful companies. Some may say they are pyramid schemes (which may be true), but they allow you to earn that extra money you are seeking. You get what you put into it since all of these types of businesses are commission based.

Online Gambling

While it may not be the most responsible or surefit approach, it is possible to earn extra cash by online gambling. There are many sites such as net bet that offer online gaming. Sites and apps now make this industry so easy to access, long are the days you have to travel to Las Vegas or Atlantic City.

Freelance or Consulting Gigs

Depending on the industry you are in or your area of expertise, it may be possible to get a freelance or consulting job on the side. This means companies would hire you as an independent contractor to perform tasks for them. For example, you could write blog posts, do bookkeeping, perform administrative tasks, or create a new marketing plan for a business. There are even websites and apps that help you find this type of job.

Uber Driver

Becoming an Uber driver allows you to earn some extra cash with a flexible schedule. Anyone can become an uber driver as long as they meet the company’s insurance and car criteria. Once you meet their standards than you can register as a driver and chose when you want to take on clients. You can take on new clients as much or as little as you need. You could even find one private client who many have you as their go to choufour that could keep you busy. The only downfall to this method is that you do have to put out money and give some of your profits back to the company.

Become an Entrepreneur

To be the ultimate side hustler, start your own business. Be in charge of your own destiny. This allows you to work with a schedule that is best for you. It is a lot of hard work but the reward could be worth it.

Overall there are many types of jobs you can do on the side to help you earn some extra spending cash. If you are working so hard at your full time job only to pay your bills, why not make some extra money for you to stash away your savings or to do something fun.

Bank Scams

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Posted by MJTM | Posted in Financial | Posted on 10-02-2017

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It is very important to trust whoever has access to your money. You work hard for it. When you  think of banks, you would like to think of them as trustworthy institutions since they are responsible for the populations most important valuables. However, in recent history there has been known to be some scandal with banks that causes consumers to question their integrity.

Quota Scam

Bank workers have quotas to meet, they are essentially salesmen trying to earn commission when it comes to opening bank accounts. Some banks have been  known to take it a bit too far and open up accounts and credit cards without clients knowing to meet these quotas. This is what happened at Wells Fargo. Managers were using unethical measures to inflate sales numbers. After the class action suit was filed, it lead to a large number of employees being fired and millions of dollars spent in fines and reimbursements to clients.

PPI Scam

Payment Protection Insurance (PPI) is an insurance that your debts will be paid in the event of a death, lost job, catastrophe, etc. The idea sounds amazing but unfortunately there are businesses which are taking advantage of consumers. Often times, banks can lump these policies in with mortgages, automobile loans and credit cards without even fully informing the client. This is easy to do because all of these items involve large amounts of paperwork. PPI claims as described here can be filed

Many banks have been guilty of this scam, but a major global bank who got caught doing this is Barclays. Barclays have been taking hits on PPI claims for over the past decade.

Fee Scam

Every bank has ways of making money, one of them is through fees. They charge overdraft fees, transaction fees and fees for different services. There are many class action suits filed against large banks because of the unlawful charges or even incorrectly classified charges.

Bank of America recently made a $27.5 million settlement for unfairly assessing overdraft fees on certain debit cards. Bank of America still claims this did not occur but they reached that settlement amount.

When a global bank goes through something like this, it is a publicity nightmare. As I previously mentioned, it makes people not trust their bank and want to move their money elsewhere. Banks are so regulated but it seems that situations like these slip through the cracks.

What is the online application process at Merchant Account?

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Posted by MJTM | Posted in Financial | Posted on 03-01-2017

Running and working at your own business is hard – your merchant processing and integrated card services shouldn’t be. That’s why it is so important to find the right kind of quality merchant solutions provider that offers great customer support and comprehensive services at a low cost. You might be convinced that this is a nigh impossible task, however I assure you that it is not. There is a fantastic service out there that is not only affordable, but it is also easily accessible. In fact, there is even an online application process you can use! Let’s take a look at one of the most reliable options out there when it comes to merchant account services.

Merchant Account Solutions

To be honest, all you really need in a merchant account service is quality customer support and excellent service options at a great price. Well, I suppose that’s not a small feat – but it is one that Merchant Account Solutions has been managing to meet for almost a decade. Merchant Account Solutions offers a wide range of services including things like integrated card services and free credit card machines to get you started. They even do all of this at the lowest prices around.

Online Application

One of the best features of Merchant Account Solutions is that you can apply for their services online without the need to speak to anyone! This is a great option for busy small business owners for whom time is a luxury. And don’t worry – the process is a simple and quick one. It’s also a process that results in 98% of applicants being approved, too, which is always nice!

When you need an excellent merchant account service provider that offers great prices, integrated card services, and a variety of services, give Merchant Account Solutions a try. They have everything you need to continue building your business into a success story.

 

 

Don’t Order Your Checks From The Bank

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Posted by Daniel | Posted in Financial | Posted on 03-09-2013

In order to save some money there is a great option for you.  It won’t cause you any suffering due to the savings, meaning, I am not telling you to stop eating out or to sell your prized possessions.  All I am telling you do it start ordering your personal checks and business checks online! It’s that simple.  You were probably expecting something big.  While it is something small and you won’t be saving tons, it’s something easy to do so why not make the move.  No, you won’t be able to quit your day job with this kind of move, but it’s a start for your savings and it’s without breaking into any sort of sweat.

So many of us are used to doing what we have been doing for years, therefore we don’t put much thought as to why we go about doing certain things.  A good example of this how you go about getting your checks.  Before just about everything was so easily accessible online, if you wanted checks you called up your local bank and ordered them.  Now there is a far better option.  So even if you have been ordering checks for the last twenty years from the bank, I’m telling you that you are far better off buying your checks online.  The main reason, as I mentioned earlier is the savings that you will find with buying your checks online.  When you buy checks online you are buying straight from the check printers themselves.  When you buy checks from the bank on the other hand, you are paying the bank to take your checks to the checks printer.  The bank offers you checks as a service to you, but they are really not in the business of printing checks.  Therefore when you purchase checks through them, they cost you more because you are paying the middleman too. This may not save you big bucks, but you will be saving with only increased benefits, quicker turnaround time, customized checks, QuickBooks checks and so much more.

What Secure Ways Are there To Play with Real Money on Online Casinos?

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Posted by MJTM | Posted in Financial | Posted on 23-05-2013

Online casinos can provide casino gaming options either for free or using real money. To be able to play with real money, players must use one of the many payment methods to add funds to their account. Online casinos will only support secure methods of payment as they do not wish to risk their customer’s sensitive information. Since the concept of online commerce began, many different banking services have been developed.

One choice that is becoming a favorite amongst those who use online casinos is ewalletXpress. EwalletXpress allows players to move funds from there bank account to their online casino account. A wide range of currencies are supported by this system and conversions can be made when necessary, making it easy to play on sites worldwide. EwalletXpress is a fast and secure method for transferring funds and is recognized by many casino sites. The company behind EwalletXpress uses up to date encryption software and stringent security measures.

When setting up for the first time, all financial information is only needed once, this is a positive feature for amny customers as it means there is no need to constantly type in the same information everytime you want to play online.

As soon as you have real money deposited into your online casino account, then you are ready to participate in casino gaming for cash. You can choose to play one of the many varieties of poker. Some of these games are community poker games. This means that there are certain cards revealed that anyone can use in building their hand. Texas Hold ‘Em is a common type of community poker game found at online casinos. Some community poker games like Omaha Poker have two winners. One player wins for having the highest ranking hand while another wins for having the lowest. The pot is split between the two players

5 Ways to Get Money During a Financial Hardship

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Posted by MJTM | Posted in Financial | Posted on 18-02-2013

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If you’ve fallen behind on your payments, you’ve likely had to deal with creditors calling.  While fielding these phone calls (or avoiding them, as the case may be) is annoying and stressful, they likely aren’t your greatest concern.

If you have trouble keeping up with bills thanks to a pay cut, job loss or an injury, you’re probably even more likely worried about bigger problems–paying your mortgage and keeping your home, paying your car payment so you can keep your vehicle and continue looking for a better job, paying your taxes so you don’t owe Uncle Sam and face having your wages garnished.  Besides these pressing concerns, you also need to worry about keeping your family fed and keeping the lights on at home.

If you’re in this financial bind, there are steps you can take to relieve the financial pressure.

1.  Borrow from family and friends.  If you’re not uncomfortable doing this, you can borrow money from family and friends to meet immediate pressing financial needs such as paying for housing and food.  Just make sure you have a plan for paying back the money when you get on your feet.  To make the borrower feel more comfortable, sign an agreement, have a repayment schedule, and have a notary public witness it.

2.  Take a cash advance on your credit card.  If you can’t borrow from family and friends, you could take a cash advance on your credit card.  Only do this to meet your most basic expenses, though, because the interest rate can be high.

3.  Take a payday loan.  Sometimes payday loans can be a life saver if you’re in a truly desperate position.  Applying online for a loans has never been easier, and in many cases you can have the money in your account within 15 minutes.

4.  Borrow from your 401(k).  This is truly the last resort.   Borrowing from your 401(k) is only a good idea if your money crunch is temporary and you can see a time in the not so distant future when you’ll be able to pay back the money.

5.  File for Bankruptcy Protection.  If you’re at the place where you need to borrow from your 401(k), you may want to consider bankruptcy instead.  If you leave your retirement savings intact and file for bankruptcy instead, in most cases you will be able to keep both your home and your retirement.

If you’re in a difficult financial position, you have a number of options available to survive this rough patch.  Which option you choose depends on the severity of your situation and when you think you’ll be back on your feet again.

How tricky is it to send a parcel to USA?

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Posted by MJTM | Posted in Financial | Posted on 17-12-2012

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Packages

If you’re unfamiliar with the nuts and bolts of sending parcels overseas the entire process can seem just a little confusing at best; or worrying at worst. Even if we set the problem of finding a good deal for a reliable service aside for a moment, getting a firm grip on details of a delivery can leave you considering the idea of buying a plane ticket and taking the package yourself. -Nearly.

Many online couriers have recognised that we don’t want to become trained experts in global logistics before we can send a parcel to USA and this realisation has been a key factor in the evolution of the services they provide. With the right courier arranging a delivery ought to be relatively straight forward, possibly not as simple as posting letter – but not far off.

As long as you take a few moments to make sure you have any relevant information to hand, you shouldn’t encounter any real issues. So, what counts as relevant?

Two addresses – the point of collection and the point of delivery. No real surprises here; ensure you have the post or zip code for both locations.

Measurements – if you’re getting a quick quote online you’ll need to tell the courier how large and how heavy it is before they can collect it as each will have restrictions on the size of items they are able to carry. Accurate measurements are also necessary for generating an accurate price of course.

Details – packages sent within the borders of the EU do not require customs documentation; deliveries going outside of the EU do though. Any self-respecting online courier will make producing any and all paperwork easy – for customs invoices you’ll need a reason for exporting the package (“gift” for example) as well as a brief description of the items being sent and an estimate their value.

Other than that, all you need to do is pay and wait for the collection to take place.

How the Japanese Economy is Picking Up

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Posted by MJTM | Posted in Financial | Posted on 17-06-2012

The Japanese economy has been picking up steam through 2012, shrugging off the aftermath of the Japanese Earthquake that struck over a year ago.  However, there are still problems that need to be addressed, especially political ones, that could hamper the growing recovery.  Here are some signs that the Japanese economy is recovering, especially as you compare economic analysis from the UK and the US.

 

Recent Financial Results

 

So far this year, consumer spending in Japan is in a recovery phase.  After the earthquake last March, consumer spending tanked, bringing down the economy with it. However, domestic spending is on the rise, and new car sales rose a whopping 31.9% last month, which is its sixth straight month of growth.

 

Department store sales have also been increasing, especially on the luxury end.  And finally, passenger traffic on Japanese airlines rose over 17%, which is a huge increase in travel traffic.  All of these signals point towards improving financial conditions.

 

 

Earthquake Recovery Bump

 

The recovery from the earthquake is also having positives effects on the economy.  It was unknown how long the added construction and rebuilding jobs would last, but it appears that the growth in these jobs and markets should remain strong for the next several years, as the country recovers from the earthquake.  So far, the government is estimated to spend a total of 18 trillion yen ($200 US Dollars), and that number is sure to rise as more areas are recovered.

 

The boost in earthquake recovery spending should have broad implications across various sectors, but especially industrial production and construction.  Both rose over the past 6 months, which is a good sign.

 

 

Exports Will Rebound

 

Finally, as the economy improves in the United States, more Japanese exports will be sold, thus boosting the economy.  Combined with the lowest yen levels in months, this is a welcome boost for the nation’s exporters, who should see a boost in overseas profits due to the exchange rate.

 

All of these signals bode well for a continued recovery in Japan.

The Highest Volume Market

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Posted by jamie | Posted in Financial | Posted on 08-01-2012

With the extraordinary growth of the net lately, online forex trading websites have widened being one of the top amount markets on the planet. It’s also considered to be probably the most liquid market on this planet. Approximately nearly several mil money trades arms daily as far as currency exchange values are concerned. On the internet forex traders can find out much in the means available. Newbies can apply with training and demo accounts which might be furnished by most dealer internet sites. To put it simply, forex trading or forex trading signifies converting one sort of forex into an additional. 

Utilize a Retirement Calculator Program for Improved Retirement Planning

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Posted by jamie | Posted in Financial | Posted on 30-12-2011

Retirement life preparation will involve numerous years of savings to amass a nest egg to use during your own old age. The government helps bring about tax advantaged pension savings intended for both firms and individuals; nonetheless it has regulations you need to adhere to. The government prescribes crucial retirement checkpoints to frustrate early use of those personal savings and then it forces their use during retirement life. Social Security in addition to Medicare health insurance plans also provide their own essential retirement rules and important ages of application. Being conscious of these ages are usually essential to your retirement life preparation.

While most people pursue planning for retirement in order to make certain they’ve got a sufficient retirement amount of money as well as a sufficient volume of pension revenue, after you end up in it, you recognize there could be other sorts of sub-objectives that assist you place more money in your pocket. Some of those objectives may very well be to reduce or maybe eliminate the amount of Social Security Tax you pay. Specifically, you happen to be subject to taxes on your Social Security income determined by your total level of income and also exactly what components makeup that income. Using a retirement calculator is very helpful for such retirement planning in addition to reducing income tax.

The purpose of every retirement calculator is usually to show you one or both of these two components of facts:
1. how much you actually need in order to save (usually each month) so that you can leave the workplace or even
2. how big of a nest egg you need in order to leave the workplace.

Your online retirement calculator really does these computations by simply accounting for the actual retirement property you have PLUS:

* savings within a retirement plan for instance 401k or even IRA
* month-to-month cash flow you might acquire coming from a pension plan or even by social security or deferred compensation plan
* non-retirement assets you have: stocks, income securities, mutual funds, notes, and so on
* usable collateral in your house you might have available in case you decide to trade down and also access money for investment or maybe take a reverse mortgage

The retirement calculator also considers the age at which you want to stop working along with your calculated lifespan. While you may be thinking like the main issue is your amount of retirement money you bring to your retirement that could impact your retirement comfort, it happens to be certainly not these kinds of financial aspects. The largest impactors of the old age comfort are your retirement age plus the years you spend within retirement. Therefore, when utilizing a retirement calculator, we suggest you run the scenario repeatedly utilizing various life expectancies and also observe how are you affected once you adjust the retirement age from say age Sixty-four to era Sixty six. You could be very surprised at the difference you see.