Being Money-Smart in a New City

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Posted by MJTM | Posted in Miscellaneous | Posted on 31-01-2017

Ah, home sweet home. You’re happily kicked back in your new home and you’re slowly but surely getting used to the new city waiting to be discovered all around you. Unfortunately, your new stomping grounds can come with a high cost attached if you’re not careful with your finances. That cost can continue to trip you up long after you’ve stopped reflexively giving out your old address or phone number by mistake. Here are a few tips to keep your wallet as comfortable in your new home as you are.

Potential Pitfall # 1: Groceries

Even if you’re the king or queen of takeout, sooner or later you’ll need a few staples for the fridge. In your first few weeks after moving, get to know your local grocery stores and note prices for common items like bread, milk and eggs. If you have a handful of items that you can’t live without (for me, it’s a particular brand of pesto) take a peek at those as well.

Sure, spending that extra $1.50 on a gallon of milk might not seem like a big deal, but when you consider that cost accumulating every week for a year, it’s a luxury tax you don’t need to be paying. If your local grocery stores offer a shop-at-home option, make use of it: not only can you comparison shop a few stores right at your desk, but picking up or getting delivery for an already-assembled order keeps impulse purchases to a minimum.

 

Potential Pitfall # 2: Car Insurance, Gas, & Parking Costs

If you own a car, it’s easy to forget that these costs definitely change when your address does. Insurance costs can vary wildly depending on your new state and city—sometimes in your favor, sometimes not. It’s worth it to obtain a few competitors’ quotes to make sure you’re not getting hit with an unnecessary insurance hike.

Certain smartphone apps like GasBuddy can direct you to the cheapest gas stations nearby. Keep your eyes out for ads on classified websites like Craigslist for nearby parking space opportunities if spaces are in short supply in the immediate area around your building or home.

 

Potential Pitfall # 3: Other Transportation

If you don’t own a car, or don’t drive it often, you’re likely taking advantage of public transit options in the area. If you’ve moved for a job, make sure to ask your H.R. department about potential savings on transit passes (many companies, especially larger ones, have negotiated discounts on bus and train fare for commuting employees). If you’ve moved for school, the same rule applies: student discounts can save you a bundle!

If you only need one-off rides now and then, consider using phone apps like Uber and Lyft, both of which often offer discount codes. If you prefer your own wheels, unique car rental services like Zipcar can be an inexpensive alternative to owning a vehicle and paying for parking and insurance.

 

Potential Pitfall # 4: Socializing

Naturally, you’ll want to make friends and start setting up a social network in your new locale—that’s great! What’s not so great is looking at your wallet after paying for a round or two. If you’re planning to go out and don’t want to look like a cheapskate, scope out websites for bars, look for cost info in Yelp reviews and hunt down promotional nights and specials before ever leaving the house. Bring a set amount of cash with you so you’re not tempted to overspend, and make sure to eat before you head out to eat so that you can savor small plates or tapas treats without a growling stomach driving your menu selections.

Potential Pitfall #5: Passing Stores on the Street

When I was living in New York City, it never ceased to amaze me how easy it was for a simple journey from point A to point B to get interrupted by stopping to make a purchase along the way. In cities in particular, you tend to be surrounded by new shops and culture that seem new and exciting. Sometimes just the fact that they are there in front of you makes them tempting.

In walking cities especially, it can be easy to get distracted by the things you are passing. Rather than maintaining tunnel visions and keeping yourself from looking around and actively participating in your own journey from A to B, you can work to avoid distractions by setting a certain amount of time for yourself to get somewhere, only carry a certain amount of money with you, or just practice having the discipline to say no to your urges to shop when shopping was not your intention.

Get Out There!

Your new city is full of exciting new restaurants, entertainment and sights to discover, and if you’re conscious about where your money is going, you’ll enjoy them that much more. No one wants to frantically check their online balance instead of streaming another season of a favorite show on Netflix, so save yourself the fiscal anguish and use these tips to keep your bank account balance….balanced!

Ross Cameron is a full-time day trader and owner of  Warrior Trading which he founded in 2012 as a live trading chat room emphasizing education and idea generation. Before he achieved success by trading stocks, he taught himself many ways to save money on a day-to-day basis. Today he continues to trade in his chat room and teach trading courses, and lives with his family in Vermont.

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.

 

 

Get a therapeutic treatment to your emotional problems

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Posted by MJTM | Posted in Family Life | Posted on 29-12-2016

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A lot of debates have been making rounds in the market regarding the contribution of pets in providing therapeutic benefits to disabled patients. While many people try to establish that it is just a myth but in practical life it has proved to be quite advantageous for people with emotional and mental instability. It has been observed in a number of instances that people are registering their pets to qualify them as emotional support animals to help them recover from an emotional and mental turmoil. This has led to the arousal of confusion and distrust among a certain section of the society who are hesitant to understand the legitimacy of the law.

dog

Since most public places and accommodations restrict the presence of such pets, the owner needs to comply with certain rules and regulations relating to such ESA certified pet. For those who want to register emotional support animal need not require their pets to be professionally trained as they are known to provide an emotional support just by being around its owner with disability. This has led to a significant distinction between emotional support animals and service dogs that are trained to carry out particular services.

Allowing an ESA in Housing

There are several legal procedures by which an animal can be allowed as an ESA, each one varying depending upon the prevailing laws in that particular state. In order to get a detailed report on the legality of a specific situation, a qualified attorney must be consulted. It should also be remembered that all housing are not covered under the FHAA guidelines such as I ceases when the housing is owned by a religious entity or there are three unit or less in which case the landlord is not liable to accommodate such pet.

Certain steps need to be followed to comply with the housing laws. The first and foremost step is to obtain a medical certificate from a mental physician authorizing the need for an emotional support animal. Then the prevailing laws for an ESA in a No Pet housing society should be known for which a letter of accommodation is to be submitted. Upon presentation of the necessary documents the landlord needs to provide an acceptance and approval letter to the tenant permitting him to accommodate such a pet in his housing complex.

Facts to be considered by housing provider

Apart from the ESA certificate provided by the owner of the pet, the landlord needs to look into a couple of other things to accommodate such pet. The first consideration is the intensity of the requirement of such a pet for therapeutic treatment. This can be known from the medical certificate provided by the owner from an authorized physician where it is clearly mentioned to register emotional support animal for assistance of the person suffering from disability. The next consideration is whether the pet actually contributes towards alleviating any mental instability of the owner. If both the above conditions are satisfied the landlord is compelled to allow such pet in his accommodation.

3 Unlikely Characters Featured in Slot Machines

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Posted by MJTM | Posted in Miscellaneous | Posted on 13-12-2016

Slot machines are the most versatile casual games of all time. Invented over a century ago, they are there wherever you look: in casinos, in pubs, at gas stations, and all over the big online. People play them for fun on their smartphones and computers, and for real at All Slots Online Casino, where they have a massive collection of games to try. Slot machines can be inspired by an incredible variety of things, from video games to movies, TV series, myths, even toys and nursery rhymes. Sometimes, the characters that serve as an inspiration for a slot machine are quite unlikely, or even surprising, like in the case of the games below.

Thor

Thor is one of the most popular deities ever – and not only on the big screen. He was popular even before the first issue of the comics telling his story were published – especially in the Germanic cultures of Europe. While his popularity was at its peak in the Viking times, he is one of the gods never forgotten. And he is the protagonist of several slot machines.

Thunderstruck and its sequel Thunderstruck II are among the most popular slot machines at the All Slots Casino. The games are not inspired by the Thor movie (the first game appeared years before Thor made it to the big screen). Instead, it depicts the god as he is described in the Poetic Edda – a blond giant with a massive hammer capable of shooting lightning bolts on his enemies. Yes, the comic book (and movie) character is strongly inspired by the original myths.

Hades

Hades is often considered an evil Greek god – but nothing could be further from the truth. Instead of being a fallen angel, Hades is the brother of Zeus and Poseidon, and he became the ruler of the Underworld (the Greek equivalent of heaven and hell) by pure chance. He is actually a fascinating character, utterly fair, and quite dark – but his darkness is caused by his dwelling place’s darkness and depressive nature.

In Hot as Hades, a slot machine recently released by the All Slots Casino, Hades is depicted as an overall nice guy. His only concern seems to be making the most of his eternal rule in the Underworld – he dives head-first into pools of molten lava, he flies around using his invisible jet pack and playing with his three-headed puppy, Cerberus.

Agent 47

A casual game inspired by a hit video game? Well, unlikely as it may sound, it happens in the world of online casinos. One of the most interesting characters to serve as a slot machine protagonist is Agent 47, cloned and raised by a secret organization and trained to be the perfect assassin.

Agent 47 is the protagonist of one of the most popular slot machines at the All Slots Online Casino. Inspired by Square Enix’s successful stealth video game series, it mixes mystery and wins in a unique combination, with the black suit, the tools of the trade, and big wins all over its reels.

Is Using a Credit Repair Company Right For You?

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Posted by Daniel | Posted in Uncategorized | Posted on 02-10-2016

When deciding whether or not to use a credit repair company, you need to figure out how bad your credit score really is. Do you have a few late payments that dropped your score? Or do you have a home foreclosure in your past? Understanding the severity of your credit situation will help you determine whether you can do fix your credit on your own or whether you need to call a credit repair company.

When looking to undergo credit repair, you need to research the capabilities of professionals. Visit http://aaacreditguide.com/sky-blue/ to understand all that Sky Blue can do for their clients. It has a full overview of how they challenge negative items on your credit report and is dotted with testimonials of satisfied customers. Sky Blue has more than 27 years of experience in the credit industry.

If you are looking to get qualified for a mortgage or a car loan, utilizing the services of a credit repair company can get you the financing you need quickly. They have the resources to dispute inaccurate items and deal with the credit bureaus in a timely and efficient manner.

The Benefits of Using a Credit Repair Company

Using a company to reach out to credit bureaus to dispute negative items can be the answer you need to fix your bad credit. Companies such as Sky Blue or have the professional acumen and dedicated staff to do thorough job researching your credit history and figuring out what to do to fix bad credit.

You can access these companies with a simple online form. The process only takes a few minutes and you will get an email that instructs you how to get your 3-bureau credit report to the company. Then they can get started on their analysis.

It is a simple and time-saving process compared to reading through your own report and writing individual, printed credit dispute letters to the bureaus yourself.

Is it Guaranteed?

Not necessarily. Credit repair companies cannot guarantee a specific outcome, but some, like Sky Blue, offer a 90-day money back guarantee. If you are dissatisfied with their service, just explain why and they will refund your money.

How Long Does it Take?

That depends on how many negative items you have on your credit report. And it is dependent upon how long it takes for the credit bureaus to respond.

Using a credit repair company can be a great decision, if you do not have the time and expertise to dispute items on your own, and especially if you have gone through a messy divorce or a complicated ID theft situation. Call Sky Blue or credit repair company today to see if they can help.

Online Shopping Makes Saving Easier Than Ever

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Posted by Daniel | Posted in Uncategorized | Posted on 27-07-2016

No matter where you go, you see advertisements for sales and specials that can save you money, but more often than not, you’ll end up spending far more than you think you’re saving. See a dress you like? Just click the ‘add to cart’ button a few times to fill up your shopping bag, and boom! You’ll have a new wardrobe at your doorstep in a matter of days.

You can fall into a trap of spending too much, so be careful! Here are a few ways you can limit your spending and find the best deals when shopping online:

Search For Coupons Before You Buy

If you know you want to buy a product, spend a few minutes searching for a coupon! The effort is minimal, and the savings can be tremendous! For example, if you know you want to buy a new pair of glasses, search for glasses coupons online and you’ll find some great deals! Right now, a quick search on Groupon shows that you can get 20% off your order, or even better, buy one, get one free! You can save half on your glasses purchase simply by spending a minute searching for a coupon. What a time to be alive!

Set A Monthly Shopping Budget

If you’re prone to spending lots of money online, prevent yourself from going overboard by limiting your monthly shopping budget. If you are under one month, allow yourself to spend a bit more the next, but if you’re over your budget this month, you will have to limit yourself next month! A bit of spending is healthy, just be prepared to

Add Items To Your Shopping Cart and Come Back Later

When you think you want to buy something, add it to your cart, and then take a walk or sleep on it. Later, see if you really need that new pair of shoes or collectible item you were about to buy. If it’s a necessity, you’ll go ahead and purchase it, but if it’s more of a want than a need, you might have given yourself some time to avoid an unnecessary purchase and saved your money!

Profitable Tips Every Restaurant Owner Should Know

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Posted by Daniel | Posted in Uncategorized | Posted on 31-08-2015

Doing the right things to ensure your restaurant is profitable should always be your top priority as a manager or owner. But sometimes, we can be overly giving, which can quickly plummet revenue. You have to think as a business owner, which means keeping an eye on credit card fees, growing food prices, fickle markets and so on. To help you stay on the right track with your profits, here are a couple of tips to keep in mind:

  • Avoid automatically serving up water. Giving out water to your customers without them asking could prevent them from ordering other drinks, like alcohol, sodas, milk, tea and so on.
  • Tactfully promote profitable items when guests first sit down. Have servers recommend complementary, yet profitable items with the guests’ orders.
  • Keep watch of how much is being thrown away or given out for free. You’ll likely find small items like crackers, butters, creamers, jelly and iced tea lemons are disappearing too fast. These are cheap, but can quickly add up.
  • Add items to your menu that are profitable. Aside from having your waiters promote your most profitable food choices (based on market conditions), you should also include them on your menus. Remember, your menus are your number one selling tool.
  • Buy important items in bulk. Having a reliable supplier that offers bulk deals is important for every restaurant business. This gives you the chance to save money and prevent the need to order multiple times out the month.
  • Bundle together meal parts, such as the appetizer, salad and entree. Having these combos will improve guests’ dining experience and maximize money spent.

With these simple tips, you can easily increase your revenue and cut back on unnecessary spending.

How to make money online without any investments?

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Posted by Daniel | Posted in Uncategorized | Posted on 25-01-2015

There are two ways to balance your budget – either through saving by spending less or by making some extra cash each month to cover for your expenses. Saving might sound easier, but often you realize that you are already at the limit, and you can’t afford to reduce your spending any more. If this is the case, there is nothing left but to make an extra buck. Some methods need an initial investment – like getting involved in a multi level marketing scheme or starting to trade Forex from home – but there are others that don’t. I will try to present some of these below.

1. Write articles and sell them

There are so many blogs and other websites out there, with one thing in common – they need quality content to grow. The content for personal blogs is written by their authors, but there are niche blogs – publications that focus on a specific topic – that often call on outsiders to provide the much needed articles. This is where you come in. Choose a topic – preferably one that you are well informed about – and create articles about it. Personal finance, business, investments, home improvements and DIY decorations or life hacks – these are popular topics nowadays.

If your articles are good enough, you will be able to sell them through various venues – websites like Fiverr, Gigbucks or Dollar3 for example, that allow you to sell your products or services for a specific amount. Take a look, gather some ideas and get started. And when you have the funds, you can create your own website and take things to the next level.

2. Take surveys for cash

This will not make you huge amounts of money, but surely beats mobile casino games when it comes to profits. Companies are always in need of feedback from their customers – you, me, anyone else. This is why they hire market research companies that are able to provide them with the much needed information, and these companies will happily pay you for your opinion. Depending on the length and complexity of a survey, you can earn between a few cents and a few bucks for each. It will not make you rich, but in the long run it can provide you with enough extra income to invest in something more fruitful.

Sometimes the companies don’t pay you in cash, but in coupons or products. Coupons can be used for saving cash when shopping, while the products – if you don’t need them – can be sold, adding a few extra bucks to your monthly budget.

Beginner’s Guide To Forex Trading

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Posted by Daniel | Posted in Investment | Posted on 15-09-2014

Trading on the foreign exchange markets, better known as Forex trading, is one of the most popular in the world and has probably benefited more than any other market from the trading allowed to smaller investors by the Internet. Forex trading basically means that foreign currency is bought and sold by a trader in the hope that a movement in the foreign exchange market will increase the value of a specific currency over another. The advent of 24 hour trading that has taken place since the Internet brought investing into the homes of everybody and everybody with an Internet connection has led to trades being made on currencies from around the World.

One of the major reasons the Forex market has become so popular with traders from around the World is the fact it has become one of the least volatile available, with an average movement each day of less than 1 percent for most currencies. The lack of volatility means these markets can be used for both long and short term investments that had, in the past, made this market one of the most important for large investors, such as banks, hedge funds and mega rich individual investors.

In Forex trading, the investor purchases an amount of currency in the hope that they will later be able to sell it for a profit, which means the invested money can be moved between different currencies to build a profit over time. The market is also one of the simplest to gauge as the investments made on a large or small scale have little impact on a day to day basis. Even the largest investment made by banks and hedge funds can only move the value of a currency by a small amount, movements are instead largely based on the long term prediction of the state of the overall economy in a specific country.

The investments made in Forex trading can be done for any length of time, with some investors moving their funds around in just minutes to look for a major profit. Others gamble that a currency will rise over the future months and take a long term view of Forex trading.

Calculate The Amount Needed To Retire | How Much Do I Need To Retire?

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Posted by MJTM | Posted in Investment | Posted on 30-04-2014

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Trying to calculate the amount of cash savings and other assets you’re going to need in place so that you can enjoy your upcoming retirement? You’re not alone. There are loads of financial planners’ advice columns available to learn from. Each of them have their own specific recommendations, but there’s something you should know: Nobody can tell you “the best” way to calculate your retirement amount. It’s not possible! Here’s why

How much do I need to retire comfortably?

You can plug your information into any online retirement fund calculator, and get many accurate, precise monetary amounts spat back at you. That’s all good – but basically worthless. You see, when you plug in those variables into those calculators, YOU are guessing at future contribution amounts. You are dictating the age when you want to retire. You are guessing the amounts you’re going to faithfully contribute. And you are assuming nothing catastrophic happens in your world, or in the financial markets realm. That’s a lot of guessing to come up with such specific numbers. Don’t you think?

Calculate Retirement Amount: Simple Example

Assume that you are 45 now, and that you would like to retire at age 65. That means you have 20 years to save and invest. You “guess” that you will live to be 80 years old, meaning you will need enough in your retirement fund to last you 15 years (80 – 65). You “choose” that you will need $30,000 annually to maintain your “chosen” lifestyle. $30,000 x 15 (years) = $450,000. Now, at 45 years old, you have 20 years to accumulate $450,000 in your retirement fund. That’s $22,500 per year. Simple mathematics, right?

But wait a minute: that’s almost all choosing and guessing! If you can foresee the future, and know that you definitely going to meet all your retirement fund investment goals, then you’re completely amazing! Most people simply can’t do it. Here’s why:

  •  You have no knowledge of or control over financial markets conditions.
  • Stock markets crash
  • Currency rates fluctuate.
  • The Prime Rate can change at any moment.
  • The amount you choose that you will need annually may have a completely different real value at your chosen retirement age.
  • You may or may not be able to make your intended contributions.

Getting the picture now?

The truth about calculating your necessary retirement amount?

Even if you are an incredibly detailed, strategic, determined and consistent person, there will be events and happenings that will occur – things you will not be able to control. It certainly doesn’t hurt a thing to use a retirement planning calculator. Go ahead: plug in some variables. Experiment with different input amounts. It’s sort of fun – and it gives you a somewhat solid basis to plan your retirement on. You just have to remember that life will happen.

Sometimes you will probably fall short of making your contributions. Other times, maybe you will exceed your intentions. In the end, as long as you’re actively planning and making the contributions you can, you’re going to be just fine. Relax and enjoy…