Category Archives: Personal Finance

Credit Score Defines YOU

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Most people know that credit scores are important for their financial related transactions, but their knowledge of the credit scores is woefully inadequate. There is a tremendous lack of understanding in the US about how credit scores work. Lots of people are actively damaging their credit score while thinking they’re helping it. Others are completely ignoring it altogether.

Here are some tips to change several personal financial habits for the better.

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Do Not Avoid Credit Cards

Recent recession has taken toll on many young folks as they witnessed destructive power of poorly managed loans and credits. In addition, most youngsters are buried in their own student loan debt. According to a recent Bankrate study, only a third of Americans under 30 own a credit card. By comparison twice as many people over 50 own a credit card.

As an alternative to credit cards, millennials and other Americans are using debit cards more than ever. The reason is obvious: debit cards are a great tool to help you avoid spending money you don’t have. But there are many misconceptions about debit cards.

Debit Cards Do Not Help Your Credit Score. Debit card gives you access only to YOUR funds. It does not give access to a line of credit. Thus, it does not help your credit score.

Debit Cards Are NOT Safer Than Credit Cards. It is true that debit cards may provide you protection against increasing your debts. But debit cards do not protect you from liability. You may be liable up to your entire bank account if your debit card is compromised. Most credit cards offer $0 fraud liability and there is a law called the Fair Credit Billing Act that caps credit card liability to $50.

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Building Your Credit Adds Value

You need to strive for building a good credit score (over 680). Here are some top reasons to have a good credit score:

  • Improves your ability to buy or rent a home
  • Lowers interest rates on home loans saving you potentially thousands of dollars
  • Increases your chances of landing a business loan if you want to start a business
  • Gives you access to credit cards with better rewards programs
  • Can improve your chances of getting certain types of government and finance jobs

Managing Your Credit Is Essential

Note that there are countless stories of credit misuse. The average US household owes more than $16,000 in credit card debt. Misusing credit can have a disastrous effect on your credit score. It is true that you need to use credit, but it is also true that you will need to focus on building improved budgeting, spending, and earning habits first before diving into the world of credit.

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Misconceptions About Credit Score

Another reason millennials avoid, and misuse credit cards is due to some big misunderstandings about how a credit score works. Below is a list of the most common and egregious misconceptions:

Increasing Credit Use DOES NOT Improve Credit Score. Common belief that you can increase your credit score by spending more with credit cards is totally false. Having a high credit use rate will hurt your credit score.

Maxing Credit Card Limit Does Not Improve Credit Score. Often there may be needing to use the credit card to the maximum limit, but you need to make sure you reduce balance as soon as possible.

Checking Your Credit DOES NOT Lower Your Credit Score. Surprising many people believe that when you check your own credit score, will affect their credit score at least as much or more than a hard pull. You can check your credit once a year from each credit bureau for no cost or any impact to your score. Furthermore, if credit is pulled because of creditor’s inquiry during your search of a loan within a time frame, your score is not impacted.

Partially due to this big misunderstanding, there are tons of millennials walking around without knowing what their credit score is.

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Factors Affecting Your Credit Score

Paying On Time. Paying your credit card bills and loan payments on time is hugely important to improving your credit score. Late and delinquent payments can stay on your credit report for up to seven years so it’s really important to avoid them. You need to note that service credit bills such as rent, phone, and electricity do not get reported to credit bureaus. So, you are not building good credit by paying those on time.

Reasonable Credit Utilization. Credit utilization simply means how much of your total available credit you’re actively using. For example, if you have one $5,000 credit card and you’ve spent $2,500 on it, your credit utilization rate is 50% for that card. If you have multiple cards and balances, they all get added together to figure out your overall credit utilization rate. Overall, the lower your credit utilization rate, the better your credit score will be. With that being said, as long as you keep it under 30%, you’ll be in pretty good shape.

Age of Credit History. Simple rule to remember is that the older your credit accounts, the higher your credit score will be. This is because the longer you responsibly utilize credit, the more trust you will build. Never close old account that is in good standing.
Credit Mix. Credit bureaus favor profiles that contain a wider mix of credit types. Somebody that has a credit card and a mortgage will score higher in this category than somebody with just a credit card, all else being equal.

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New Credit and Credit Inquiries. If you open a bunch of new credit cards in rapid succession, it’s going to look like you’re desperate for money and it will negatively impact your credit score. When applying for loans, apartments, or new credit cards, the issuing provider will usually do some hard credit inquiries or “hard pull” on your credit score to get a detailed understanding of your credit worthiness.

Credit Score Summary

Different credit bureaus use different score calculations, but usually they fall into the same general pattern. FICO is very transparent about how they do their calculations and offer the following breakdown:
Payment History – 35%
Credit Utilization Rate – 30%
Length of Credit History – 15%
Credit Mix – 10%
New Credit – 10%

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Impact of Student Loans

Student loans are treated like any other installment loan such as a mortgage or auto loan. And just like a mortgage, the total amount of your student loans won’t have much of an impact on your credit score.

Student loans can be a net positive on your credit score. Student loan payments are reported to credit bureaus, so if you’re making your payments on time that will be counted as a positive towards one of the most important factors.

Having student loan counts as another form of credit so it’ll help the “Mix of Credit” category by giving you a more diverse credit portfolio.

Being Proactive About Your Credit Score

Monitor and Understand Your Credit Report. Just as you check your balance in your bank account, you will need to monitor your credit regularly. Just monitoring is not enough but dispute any inaccuracies that might be present- such as a duplicate report or identity theft. Here are few tips to improve credit score.

Become an Authorized User. If you have a friend or family member that has excellent credit, they can make you an authorized user of one of their credit cards simply by calling the credit card company and requesting the addition. That account will then start to show up on your credit report as well as theirs. If the account is solid and the primary account holder hits all their payments on time, this can help your credit, especially if you’re just getting started building a credit history.

Pay Credit Card Balances Multiple Times Per Month. Credit bureaus will check your credit utilization rates at different times throughout the month. So even if you pay off your balance on time at the end of each month, your credit utilization rates might still appear to be very high if you used a large amount of your credit limit during the month. To get around this you can pay off your balance multiple times throughout the month.

Report Rent Payments To Credit Agencies. Even if you don’t have much of a credit history, you may have a nice history of paying your rent on time. All three major credit bureaus will include rent payment history if it’s reported to them. To accomplish this there are a variety of services and costs as well as some amount of assistance from your landlord.

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Conclusion

The essentials that you need to note:

  • Never use more than 30% of your available credit limits
  • Pay all loans payments and credit card bills on time and in full
  • Don’t generate more than three hard credit score pulls per year

If you follow these three simple rules, your credit will likely be in great shape. But it’s still best to more fully understand the way your credit score works.

You can manage your credit on your own, but  seeking professional service will yield positive outlook in your financial matters.  See additional information here.

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Vital Credit Card Review- Earn Endless Cash Rewards


You know that many credit cards offer great perks such as reward points, discounts and/or cash.

So, what is different about recently launched Vital Card you ask?

The newly launched Vital card is expected impact the credit industry in a major way. The Vital credit card, Visa backed, earns you cash back. But the cash back is for getting other members to sign up.

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Vital Card, based in New York City, is a new concept envisioned by Chris Bridges, Chairman, and Vincent Bradley, CEO. The team members of the company have worked with Google, Charles Schwab, and other major companies. The mission of the company is to offer a credit card with a community-based rewards system.

How Does VITAL Credit Card Work?

VITAL is a credit card that offers referral-based cash rewards. For each person you get to sign up, you’ll earn VITAL points that determine your VITAL score. It gets even better because you will also get cash rewards when your referrals get additional users to sign up. Furthermore, you’ll get 1% cash back on all your purchases.

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There is no cost to sign up for the card. When you sign up, you will get access to the VITAL potential earnings calculator.

Eligibility Requirements

The VITAL card requirements are:

  • You must be 18 years of age or older. Residents of Nebraska and Alabama must be 19 or older.
  • You must be a permanent resident of the United States.
  • You must have a physical address in the US.
  • You must pass a credit check.

The Vital card has few additional undisclosed qualifications to meet underwriting criteria. It is to be noted that signing up for early access is just the first step. You’ll need to fill out a full application during the late 2018 launch. In the meantime, you can start referring others and building your VITAL score.

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Some may wonder what happens if you are denied the Vital card. Believe it or there is clarification provided by the company. Even though every single application is not approved, if you are eligible for most entry level credit cards, you are very likely to be approved. In the event you are not accepted, VITAL Card will let you transfer your VITAL Score to someone else with good credit. You can choose any friend or family member for this.

Once you get your own Vita card, you need to spend a minimum of $250 each month to be eligible to get cash rewards from your referrals. This can be achieved easily by using VITAL card for your basic monthly purchases – groceries, fuel, and so on. Then you need to pay it off each month to keep your credit in good shape.

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How Will You Get Paid?

The money that is paid out comes from the VITAL cash rewards pool. Each month, 1% of user spending is added into the VITAL cash rewards pool. Your payment is dependent on your Vital score. Your VITAL score based on the number of VITAL points you earn. You earn points by referring friends and family to sign up for VITAL. Here’s a layout of the points system. I’ve used a small scenario to make it easier to understand.

  • Direct Sign-Ups: You earn 4 points per person you get to sign up.
  • Second Tier Sign-Ups: You earn 2 points per person when your direct referrals get others to sign up.
  • Third Tier Sign-Ups: You earn 1 point per person when your indirect referrals get others to sign up.

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To sum it up, your points are based on a basic three tier referral system. There’s no limit to the number of friends and family you can refer. This essentially means you have endless chances to keep growing your VITAL score. Simply put, the higher your score, the higher your monthly cash rewards will be.

There is no definite number that can be predicted how much any one can earn. VITAL adds up the total scores of every user at the end of each month. How much cash you’ll receive depends on two factors. It depends on your individual VITAL score and the overall size of the cash rewards pool.

However, Vital card provide a very detailed scenario. You can also access a VITAL potential earnings calculator once you sign up. It is recommended that you try out the calculator before you sign up.

Tax-FREE Earnings

The earnings to you will be distributed from out of the rebate pool, thus it is likely that your earnings may be tax-free.  Check out the company statement.  It is also recommended that you consult your accountant or tax representative.

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In short, major points are divided into pros and cons list to keep things simple:

Pros

  • There’s no annual fee.
  • You’ll earn 1% cash back on all of your purchases.
  • The referral-based system is unlimited; you can refer and earn permanently.
  • Earn cash rewards when your referrals get new users to sign up.
  • You can build your credit score with responsible use.
  • Your referrals only must spend $1 per month for you to keep earning.

Cons

  • To keep earning rewards, you need to spend $250 per month or more.
  • It’s possible that your application will be denied after prelaunch.
  • The amount of cash you earn each month will fluctuate.

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Verdict: Is the VITAL Credit Card Worth It?

If you use the VITAL credit card responsibly, Vital card offers a great opportunity. You earn cash back on purchases and cash back for referrals. That means there’s a lot of potential to make extra money with very little effort.

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Scams Against Seniors On The Rise

You can look forward to retirement days as you no longer the end of rat race is not too far. As lucrative as that may be, you need to be prepared to face scammers that are out there to take advantage of savings that you may have gathered.

Crimes against the elderly continue to skyrocket each year. Con artists are particularly fond of elderly widows. The scam is to find those who may be lonely or infirm, and slowly shower them with attention and small gifts to gain their confidence.

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Sadly, seniors being scammed is very alarming. According to True Link research study (2015) seniors lose $36.48 billion each year to elder financial abuse.

Senior Scams You Need to Know About

Telemarketing

Telemarketing scam can include phone calls, snail mail and emails. Scammers will send out official-looking emails or letters, then stage a follow-up call to victims, asking for updated information, such as a password or account numbers.
With that information in hand, scammers will either charge seniors’ bank accounts or attempt to assume their identities.

Senior citizens could also receive phone calls from people trying to use deceptive tactics to sell them product. A “salesperson” will use complex wording and hidden fees to charge seniors an extra $20 or so.

Fake Charities

Fake charities scam entails in Retirees getting a call from someone saying they represent a charity, asking for a donation. The caller is not really raising money for any charity.

Sweepstakes

In a Sweepstakes Scam Seniors are likely to get an official-looking check in the mail. An accompanying letter may tell them they won a contest. To claim the prize, the winner will need to send back a few hundred — or thousand — dollars for processing the prize. The check could even look like an IRS tax refund. They’ll ask the victim to send back a portion of the money and let them keep the rest.

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The scam happens two weeks later, when the check bounces and the senior become liable for all the money.

Identity Theft

Identity theft scamming is extensive form of telemarketing scheme as it involves scammer calling and asking for the last four digits of a senior’s Social Security number.

The scammer can then can match that information up to the rest of what they know about their victims, like their name, address and phone number. Scammers then use the stolen identity to open new credit cards or loans and rack up debt — and the senior will end up footing the bill.

Health Care Fraud

Health care fraud involves scammers to explore medical issues of the senior and promise to send relevant medication or supplies if the seniors provide insurance information. The scammers will then use that info to assume the victim’s identity.

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This is a special type of fraud known as medical identity theft. Patients can end up getting billed for prescriptions or services they didn’t use, making the senior liable for medical debts incurred by the scammer.

Scammers have targeted seniors for numerous rip offs surrounding the Affordable Care Act and Medicare enrollment. Since every U.S. citizen over the age of 65 qualifies for Medicare benefits, seniors are an easy target for medical scams, because criminals don’t have to do any research around their insurance provider. Many of these scams operate via door-to-door or over-the-phone solicitations by someone claiming to be a Medicare representative.

Fake anti-aging products

No one likes to get old. That even applies to seniors as they want to cling on as much as possible. They are vulnerable to products that claim to be the perfect solution to signs of aging or other unwanted physical changes.

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Seniors often feel the need to look younger to keep up in social circles or to fill some other void in their life. This leads them to seek out new treatments, medications and other remedies — making them vulnerable to scammers who capitalize on this demand. The scam normally starts with anti-wrinkle cream ‘Free’ trial offer.

Financial Exploitation

Financial exploitation scam takes many forms- telemarketing, home repairs, investment, money making opportunities scams.

Scammers sometimes show up at seniors’ homes, offering to provide services and then overcharging them — whether the work was done or not.

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Scammers also get seniors to sign up for long-term securities or stocks, anticipating the victims either won’t look at or understand the fine print. Seniors can get conned into buying securities or stocks that won’t mature for another 20 years. If the senior needs the money before the securities mature, they’ll pay penalty fees that end up in the scammers’ pockets.

The Grandparent scams

This is a slick scam in which scammers call senior citizens and impersonate their adult grandchildren to hit them up for money. Here’s how a typical conversation might go:
The phone rings and the senior pick up…
Scamster: (in a low tone) Grandma?
Senior: Is that you, Jimmy?
Scamster: Yes, it’s me and I’m in trouble. I’m in jail. I need you to wire money, so I can get out.

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The typical take on this scam is anywhere between $3,000 and $4,000. There’s even a ‘reload’ on this one. If the scamster gets money, they’ll have another person call up impersonating a police officer and ask for additional funds for their grandchild to be released. They claim there are extra charges for property damage. Once the money is taken, you’ll never see it again.

Here are some actions that can be taken to avoid becoming a victim of a scammer.

Add Phone Numbers to the Do Not Call Registry

Register the senior’s phone number with the National Do Not Call Registry.
Sales calls should stop within 31 days of a number being registered, according to the Federal Trade Commission.

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If they still receive sales calls while on the registry, hang up and submit a complaint to the FTC. It is to be noted that this registry is it only stops sales calls. It doesn’t put limits on charitable, political or survey calls.

Do Not Give Information

The best rule to follow is to never provide information in a phone call or email that was not initiated by you. It is essential to ensure the senior knows to never give personal information or money over the phone.  This includes sending checks or a “deposit” to companies to claim a prize or accept an offer to work from home.

Check the Better Business Bureau

Before the senior acts on any offers, payments, donations or investments, check the Better Business Bureau for information on the company. Be cautious of letters and calls that look like they’re from the Social Security Administration or the IRS.

Keep Mail Safe

If a senior pays their bills via mail, don’t leave it sitting in the mailbox.
Take the payment to the post office or a freestanding postal service mailbox instead of leaving it laying around where it could potentially be stolen.  Opt for online bill statements — it’s safer and more convenient than mailing in payments every month.

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If a senior continues to receive mail that’s clearly from scammers, take it to the post office and it’ll be sent to the U.S. Postal Inspector. You could also file a mail fraud complaint online.

Remain Cautious and Ask Questions

Ask any calling salesperson for their name, business address, phone number and business license number. Verify this information before conducting any business with them, as scammers will often provide fake names and license numbers.

Don’t blindly trust people — scammers can get outrageous, even claiming they’re a “law enforcement” official trying to solve a crime that involves you, and they ask for personal information.

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Make sure seniors won’t agree to anything they don’t fully understand. Never respond to sweepstakes, prize or lottery letters and phone calls. These are all scams to get personal information.

Stay Safe Online

Only make purchases from websites known to be safe and legitimate. If the safety of the site is questionable, do some research to make sure it isn’t a scam.

Educate seniors on what spam emails look like — and be sure they don’t respond to them. Personal information should never be given out via email, especially account or credit card numbers.

What Happens If Your Loved One is Scammed?

What happens if they end up getting scammed and losing money? How do you report fraud against seniors?

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The first thing to do is file a police report. You’ll need a copy of the report when the fraud is reported to credit companies.

Close any accounts affected by the scam. Call the banks, explain what happened and file a fraud report if any transactions were charged to the account.

File a complaint with the FTC. It helps with fraud investigations by collecting complaints and sharing them with local police forces, credit companies and other government agencies.

If the scam involved credit card charges, report the fraud to the three major credit bureaus. Contacting all three may seem like a hassle, but it’s the only way to know the fraudulent activity will be quickly reflected on the account.

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Report any identity theft to the FTC’s Identity Theft website — this includes new accounts being opened in the senior’s name, charges to current accounts or even false medical services. The FTC offers comprehensive steps to take depending on how the victim was affected.

Be Aware

Most people are raised to be polite and trusting. The con artist exploits these traits, knowing that it is difficult or impossible for these individuals to say “no” or just hang up the telephone,” it continues. It is essential that the seniors are made aware of the abundance of scams out there and educate them on ways to protect themselves and their finances.

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Do You Want Credit Card Not Based On Credit Score?

Credit Card industry is going through changes. Those who have good credit have no problem getting cards. But what about those who have a poor credit history or just getting started?

Credit Card Pays You To Refer

There is help for them as there is credit card services are emerging. These services will identify candidates that would-be credit card holders even if they do not have good credit history. The acceptance is determined by the applicant’s actions rather than just their credit score.

Credit Card Pays You To Refer

The innovative but realistic approach of qualifying applicant based on the digital record it builds for its users. Rather than just looking at borrowing history, it looks at how much that user makes, spends or saves each month, and looks to offer them more differentiated products like lower interest rates on introductory products. The main goal here is to get people who should be able to responsibly manage a credit card based on their spending history.

Credit Card Pays You To Refer

It is heartening to note that finally credit card industry is taking steps in identifying potential customers without a credit history. It reflects that the credit score might not be the best indicator. The new approach is designed to identify potential applicants with their technology and thus eventually build up their big user base.

Credit Card Pays You To Refer

How To Spend Smarter?

Would you like to have money?

The obvious answer is YES. The real solution is to make more money than you spend. Interestingly, no matter how much you make, you will find ways to spend. That is where the problem is- you need to spend smarter.

It is best to address money issues quicker. Money is the number one cause of stress in the United States. Not surprisingly, money is the top reason for divorce. But money issues can be resolved, because most people make dumb money mistakes.

Dan Ariely, a professor of behavioral economics at Duke University, has a new book out that explains some of the problems we’re prone to when it comes to moolah and what we can do about them. The book is Dollars and Sense: How We Misthink Money and How to Spend Smarter. Few highlights are listed here.

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On Sale Signs Are The Devil

Simply do not pay attentions to “On Sale” signs. Most stores (online stores included) have high-markup price for each merchandise to begin with; so, when the merchandise is marked down, you are not necessarily getting a bargain. The marketing strategy of “on sale” is designed to simply dumb down your decision-making process. When an item is “on sale,” you are likely to act more quickly. Beware of comparisons with bonuses and specials.
So, focus ought to be on what the thing costs not how big a discount you are getting.

Extra Money Is Not Bonus

It is very common for you to get extra money by doing overtime at your work, getting bonus at work, or from winnings from casino, etc. You are likely to spend that money on unwanted stuff because that money is different. NO WAY, money is money.

People are likely to spend something like their salary on “responsible” things like paying bills, because it feels like “serious money.” On the other hand, money that feels fun—like $300 million in casino winnings—is likely to be spent on fun things, like more gambling.
Surprisingly, many people treat a tax refund as a “bonus” that they can have fun with. In reality, tax is not a “bonus” money, but it was your money to begin with. The government had taken an interest-free loan from you when you got your paycheck.

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This attitude is termed as “emotional accounting.” Rationally, a dollar is a dollar. But as rationality-challenged humans, we feel the source of the money affects how we should use it. Really?

Paying Cash Curtails Spending

Paying cash really hurts because it creates true awareness of spending within your thinking process. Believe it or not, marketing folks have figured out to reduce your pain, by letting you use credit cards. Through studies, marketing folks know that people are not only more willing to pay when they use credit cards, but they make larger purchases, leave larger tips, are more likely to underestimate or forget how much they spent, and make spending decisions more quickly.

All in all, your purchasing is made painless process. The credit cards, gift cards, casino chips and nearly all online shopping is a financial opiate and dramatically reduces the pain that keeps your bank account flush.

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So whenever possible, use cash. You may feel the pain, but you will not be stressed later.

Here’s the easy way to save money as stated in the book:

  • “On Sale” signs are the devil: “Relative comparisons” mess with your head. Focus on the end price, not how good a “deal” it is.
  • It’s not a “bonus.” Money is money: How you got the cash should not affect how you spend it. Saying that “bonus” money doesn’t count feels good but being broke feels very bad.
  • Use cash more often: Make spending painful and you’ll spend less. (Using cash is simpler than having a friend punch you in the face whenever you whip out your credit card.)
  • “Fair” is a four-letter word: Focus on value. The plight of moral justice in the economic universe can wait until after the electrician gets your lights back on.
  • Try a “Ulysses Contract”: Send me the deed to your house. If you don’t have more money in your savings account two months from now, I keep the deed. See? Saving is easy.
  • Drop Anchor: The only way to not be influenced by prices is to influence yourself ahead of time with other prices.

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You are limited when it comes to earning more money, but surely you are bombarded with many ways to not only spend what you earn now, but against your future earnings by means of debt to the credit card companies. Learn to monitor your money today, so you will not be ruined by the credit card companies.


How Tax Season Can Increase Your Earnings?


Experiencing depressions is not fun. In earlier post, “Online Business Avoids Depressions Related To Job And Finances”, the focus was on having online business to generate revenue to supplement income to avoid financial shortfall.

However, it is not necessary to have “Online Business” per say, you can also provide your services as an independent contractor. Most likely, you will be asked to perform tasks for which you will be paid. The best part is that you can work from home or wherever you are.

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As the year is ending, most are busy in welcoming holiday season and ready to be immersed into the season. But that also means time for 2017 tax returns. The tax preparation services, such as Jackson Hewitt, H&R Block, Liberty, have many work from home opportunities to earn extra revenues to offset any debts incurred during the holiday season.

The tax preparation service jobs are related to supporting customers, employees and the company in various ways. No tax-filing experience is needed. You will need to be at least be high school graduate (or have GED). These are all full-time seasonal gigs that could last up to six months. Many big tax preparation services look for candidates from all 50 states at pay ranging from $10.50- $15 an hour.

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Here are some types of jobs that may be offered by tax-preparation services:

Individual Tax Preparer

Even today most people seek tax-preparation services to do their federal and state tax returns. That means tax-preparation services are looking for tax-preparers. You do not need any special requirements as long as you are able to be trained. The training is simple and if you are able follow instructions, you will be able to master it. Once you pass the training, you will be qualified to prepare individual tax returns. Check out the tax-preparation services for training availability.

Social Media Specialist

Remote social media specialist responds to customers on various platforms. You’ll need to have two years of customer service experience, especially in social media area. You will need communication skills, proficiency with Microsoft Office and other tech systems

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Escalations Specialist

Escalation specialist assists with customer complaints, service delivery failures and other issues. You’ll need to have customer service experience, preferably involving customer de-escalation. You will need to have the ability to remain professional and patient at all times.

Client Care Representative

Client Care Representative responds to customer concerns over the phone or via web chats. You’ll need to have call center experience with communication and data entry skills. Having Spanish speaking ability is a plus.

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Operations Support Representative

Operations Support Representative responds to hardware and networking troubleshooting issues from franchise and corporate employees, either over the phone or via web chats.
You’ll need to have at least one year of tech support contact center experience along with computer navigation and data entry skills

Real-Time Analyst

Real-time Analyst manages call center scheduling to make sure there is adequate staffing to respond to the expected volume of incoming calls. You’ll need to have experience in a multi-channel call center and in trend analysis.

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Here are few major tax-preparation services:

Jackson-Hewitt

H&R Block

Liberty Tax

Top 10 Needs To Be In Online Business



Over the years you have been working hard. But truth is, that it turns out you do not have enough money left over at the end of the month.

Are you struggling to figure out how to create financial stability now and to last throughout retirement?

In the age of information, you have been overloaded. You may have been chasing different objectives- complicated and yet conflicting.

However, if you want to change your ways and join the winning side of folks who have growing income, regardless of what happens in the market…

I have some good news!

In order to get to that state, checkout 10 top needs so you can begin your journey.

Begin YOUR journey to be healthy, wealthy and happy now.

#10 You Need Time To Do What You Like

If truth be told, working hard will not necessarily get you success. It is possible, working smart will do. You can instill miraculous marketing methods so that you may need only 1 or 2 hours a day to earn substantially. In time, you can stop living on your computer and you can start having your computer give you not only living but living in a style you like.

#9 You Need To Work When You Want

Whatever your personal situation is, you may not want to be chained to particular time routine. You would prefer to when you want, where you want, for as long as you want. Even better, you may not want to dress up to work. However, you need to note that your efforts will be required to earn online.

#8 You Need Support System That You Can Rely On

In order to be successful, especially online business, you will have great support system. But you will need to pursue with caution and not chase “shiny” offers. Be sure to check out and select systems wisely. With few programs, you are given amazing training and know-how so that you remain on path of success.

#7 You Need To Know Where and How To Be In Online Business

You may be Guru or a Newbie. It doesn’t matter. You have systems that are designed so that newest of newbies can follow. Step-by-step tutorials are also available and in some cases you are also provided with personal mentor.

#6 You Need Not Be Confined To Any One Location

As your business is set, you will realize that you need not be tied to one location. No longer commute. As a matter of fact, you can be on “Vacation’ mode most of the time. However, as stated earlier, you will still have to “work” to ensure your online business is on track. You will be able to work from anywhere as long as you have computer and internet connection.

#5 You Need More Income

You may be running short on earnings as expenses increase. Earning more than you need is a great relief. You can pay off debts quickly. Of course, you will be not millionaire overnight. But it is essential that you can create multiple streams of regular monthly income so you are not dependent on your job. Your Online business may give you financial freedom.

#4 You Need To Be Independent

Truthfully, no one can promise you that. But it is possible with online business that you may not be dependent on any one entity for your earnings. You online business earning power will be tied to how you have created your marketing system. The stronger and the versatile your marketing system is, you will not at mercy of any one company or entity. Your FOCUS needs to be on creating, modifying and maintaining marketing system.

#3 You Need To Be You

You are wondering how “being yourself” is related to the online business. Simply put, financial stress can have drastic impact on you. It can change your moods. It can resort you do unjustly things. The sad part is that it will not affect you but your loved ones. With online business, it is possible that you will not experience financial stress. In time, you will be able to make money and learn how your earned money can make more money. As the saying goes, money makes money. With no money worries, chances are high you can be yourself.

#2 You Need To Be Healthy, Wealthy and Happy

Ultimately you may have many desires but most of them lead to you being healthy or wealthy or happy. It is fair to say ultimately life is all about attaining those fundamentals. Knowing that you can attain to earning money anytime, you can make time to keep routine to be healthy- such as devoting time to exercise. You can also spend time with loved ones so to having lasting memories.

#1 You Need To Know What To Do Online Business

This is most important need you must master. No matter how successful you get, you will never be able to master. Not because you are not capable, but because online businesses are blasted with changes that are hard to keep up. But there are basics:

  • You need to be exposed to the brutal reality of online business. You need to decide if you can handle it. You must know it is not easy.  Get It Now!
  • You need a platform so you can be trained continuously in various aspects of online business. Get It Now!
  • You need a portal system from which you can carry on your online business activities and create your earning systems. Get It Now!
  • You need a continuous earning system that will provide residual income on a regular basis- a working “SMART” concept. Get It Now!

Simply put, “You don't have to be great to start——but you have to start to be great!”

How To Retire Healthy, Wealthy and Happy?



Over the years you have been working hard. It has been more than 35 years you have been working in hopes that in retirement years you can live comfortably. But truth is, that it turns out you may have to work way past your retirement age.

Are you approaching retirement and struggling to figure out how to make sure you’ll have enough income and financial stability to last throughout retirement?

Unfortunately most people have been doing for many years was not the best way build their future. There were inherent problems in their approaches that destroyed their chance of becoming financially free and retiring comfortably.

Retire Healthy, Retire Wealthy, Retire Happy

In the age of information, you have been overloaded with information which has been totally not in your personal interest. You were made to chase different objectives- complicated and yet conflicting. You should have concentrated 2-3 foundation goals to yield financial success.

It is possible that you are still pursuing conflicting and complicated objectives. It is entirely possible that your retirement nest egg will be destroyed in the next market downturn. The world is changing and there is simply no room left for winging it during retirement anymore. Needless to say, none of us are getting younger anymore.

However, if you want to change your ways and join the winning side of retirees who have growing income, regardless of what happens in the market…

I have some good news!

Retire Healthy, Retire Wealthy, Retire Happy

It is so good news because you are likely to learn to retire healthy, retire wealthy, retire happy.

There is special training that will enhance your earnings and create financial nest for your upcoming golden years. In this training, 21 constructive steps you can take to cut through the noise and confusion, and focus on what really matters during retirement.

Here’s what you’ll learn:

  • How to create retirement income designed to grow over time, regardless of what happens in the market (so you have the money you need to maintain your lifestyle no matter what).
  • How to create the opportunity to earn a healthy return on your nest egg without taking excessive risk

Retire Healthy, Retire Wealthy, Retire Happy

CASE STUDY – NURSE'S JOURNEY FOR RETIREMENT

Marla has enjoyed a successfully 30-year career as a registered nurse. She loved her career. But she realized that she may not be able to continue as working in the operating room is very demanding and requires long days.

After a relationship breakup, she took a serious look at her life and retirement strategy.

She realized that she did not have enough for retirement just yet.

That’s when she turned to the Internet to look for additional sources of retirement income.

Marla downloaded his book and instantly realized that this was the exact information she needed to start the business she had always dreamed of.

She found out that we live in an unprecedented time…

Now – more than ever – it’s easier to create a business with VERY little time and money!

How?

By leveraging the power of the Internet…

Marla has been able to start her own online business that has given her complete time and financial freedom…

With this information!

A business that allows her to travel all over the world.

If you are approaching retirement and making sure you have financial security, and protecting your income from a market correction is a top priority, then this video is for you.

Retire Healthy, Retire Wealthy, Retire Happy

The American Way- Living Paycheck To Paycheck



It is brutal reality in America- most Americans run out of money before their next paycheck.  No matter how much you earn, the struggle never seems to end.

According to the recent report by CareerBuilder, seventy-eight percent of full time workers said they live paycheck to paycheck.  Interestingly, 71 percent of all U.S. workers are now in debt- amounting to increase by 3 percent over last year.

20 Reasons To Join WiFi Millionaire

It is true that household income has grown over the past decade, but it has failed to keep up with the increased cost-of-living over the same period.  Even those making over six figures said they struggle to make ends meet, the report said. Nearly 1 in 10 of those making $100,000 or more said they usually or always live paycheck to paycheck, and 59 percent of those in that salary range said they were in the red.

According to the survey, aside from the insecurity of living without a financial cushion, the phenomenon has another downside: It hampers Americans' ability to save for retirement. About 18 percent of workers cut back on their 401k contributions or personal savings in the last year and more than one-third don't put away money for retirement.

20 Reasons To Join WiFi Millionaire 

Personal responsibility does play a role in Americans' financial problems, with the survey finding that only a third of workers stick to a budget. Asked what spending items they wouldn't give up, more than half said they'd never cut back on their internet connection or mobile devices.

That might seem like an extravagance to some, yet the truth is many Americans can't work effectively without internet service at home or a smartphone, with employers increasingly expecting workers to check their email while they're out of the office or be available for a call.

20 Reasons To Join WiFi Millionaire

Most financial experts recommend stashing at least a six-month cushion in an emergency fund to cover anything from a dental bill to a car repair – and more if you are the sole breadwinner in your family or in business for yourself.

The solutions are available for people to enhance their earnings by formulating new ways to earn money to increase their cash flow while restricting their expenditures. Thanks to the very tools they can't cut back- internet and phones- can generate passive income so they do not have to live paycheck to check.

20 Reasons To Join WiFi Millionaire

It is true that there are many scams out there; but there are many legit systems that will help you attain desired cash flow.  In most cases, you are able to earn without affecting your current lifestyle and without necessarily impacting your family time.

Surely earning on internet may not be easy, but it will increase your cash flow, reduce your stress and perhaps, will lead you to financial freedom.

If you are totally clueless, check Rookies Path To Millionaire.
If you are over 50, checkout Retire Healthy, Retire Wealthy, Retire Happy.
If you are internet savvy check Become WiFi Millionaire.
You may also want to check BizBuzz