Searching for money management advices to improve your financial positions and to avoid money problems ? “Everyone wants their kids to go to college,” says Aliche, “but it’s more important for you to save enough for retirement. Because the best gift you can give your child is not a free ride to school, but rather not to be a financial burden on them when it’s time to start their own family. Kids can get student loans or go to community college for two years; no one is going to lend you money without collateral when you’re retired.” Check out this timeline to help you save for retirement.
How original! I know, I know! But it needs to be said. When just getting started with your personal finances, you need to create a savings plan and actually stick to it. Many times you get a rhythm going, then you slowly get a little lazy. Don’t! This is how you fall back into old non-savings habits. I used a spreadsheet that laid it all out with how much cash should be going towards savings and investments. Discover extra info at Personal Finance Advices.
It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life. No matter how much or how little you’re paid, you’ll never get ahead if you spend more than you earn. Often it’s easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn’t always have to involve making big sacrifices.
Stay Out of Bad Debt: Debt means you owe someone money, and if I’ve learned anything from gangster movies, you NEVER want to owe someone money. However, not all debt is necessarily bad debt. So, what is bad debt? Bad debt is any debt that’s acquired through purchasing something that’s going to lose value and generate zero revenue. Some examples of bad debt would be credit card debt or an auto loan. What is good debt? Some people will say there’s no such thing as good debt, and while I mostly agree, I also can’t deny that some debt can be beneficial in the right circumstances. For example, if you are going to take out a loan to purchase something that will benefit you financially in the future, I’d say that debt is a lot more beneficial than credit card debt. Good debt usually has lower interest rates as well. Here are a few examples: Student loans. Since student loans typically have a very low-interest rate and going to school can increase your pay as an employee in the future, student loans can be considered good debt. Visit: aspiretomoney.com.
ILUM cryptocurrency news ? A lot of Altcoins end up losing value over a certain period of time, sometimes in an unusually short period of time. It is, therefore, paramount to understand that whenever you hold an altcoin for the long term, be careful not to hold on to them for too long. One of the best measures of coins that are perfect for long-term investments is the daily trading volumes. The higher the daily trading volume, the more suitable an asset is for long-term investments. If you’re thinking of going long term with cryptocurrencies, consider investing in some of the following coins: Ethereum (ETH), Factor (FCT), Monero (XRM), and Dash. These have decent trading volumes on various exchanges around the world.
When you buy/sell via an exchange, try to use limit orders (try not to use market orders). On some exchanges, like GDAX, limit orders have lower fees than market orders. On GDAX, limit orders are free as long as they don’t fill immediately. Meanwhile, market orders result in a .3% fee, which is better than the 1.4% that Coinbase charges but not as good as 0%, especially if you are day trading. If your exchange rewards you for using certain order types, aim to use them.
What is ILUM ? ILUM was designed with the same hybrid technology from Novacoin, the first 100,000 blocks of ILUM were mined through with POW and from there it was mined with POS giving it access to anyone in the world to participate in ILUM Mining without the need for special appliances. The usability of the cryptocurrency increased to a whole new level. Global payments enabled anytime, anywhere. Our unique product range allows you to gather many types of local and global currencies with the flexibility to choose between different payment methods at the touch of a button. Spend on more than 40 million acceptance points online and offline, in almost 190 countries, perfect for the world traveler. See more details at https://www.ilum.biz/.
Cryptocurrency is a current days El Dorado, a market that offers huge profit making possibilities. But it’s also extremely risky so before you jump in it’s better to be educated. Here are a few advices if you want to buy cryptocurrency online in 2019. To begin investing in Bitcoin and other cryptocurrencies you first need to sign up to an exchange which will allow you to buy cryptocurrency with paper money. An exchange is basically an website that offers anyone to purchase and sell Bitcoin as well as any other cryptocurrency that they have listed.
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Las monedas digitales son excepcionalmente volatiles: probablemente lo primero que notara si ha estado siguiendo las criptomonedas es que son excepcionalmente volatiles. Esto se deriva del hecho de que el comercio de divisas virtuales ocurre en varios intercambios de criptomonedas en lugar de un intercambio central, lo que lleva a una mayor volatilidad. Desde que comenzo el ano, la capitalizacion de mercado agregada de todas las criptomonedas combinadas ha aumentado en mas del 3,200% a partir del 18 de diciembre. Sin embargo, bitcoin, la criptomoneda mas popular del mundo, ha sufrido cuatro correcciones de al menos 20% en los ultimos seis meses. . En resumen, las criptomonedas no son para los debiles de corazon.
ILUM fue creada con la misma tecnologia hibrida de Novacoin, los primeros 100,000 bloques de ILUM se minaron a traves con POW y a partir de ahi se mina con POS dandole acceso a que cualquier persona en el mundo pueda participar de la Mineria de ILUM sin necesidad de aparatos especiales. Leer mas detalles en Mexico Criptomoneda ILUM.
La barrera de entrada es relativamente baja: tambien vale la pena senalar que, si bien la tecnologia blockchain podria cambiar el panorama para la industria de servicios financieros, practicamente no existe ninguna barrera de entrada. Si tiene tiempo, dinero y un equipo que entiende como codificar, puede escribir blockchain y llevar una criptomoneda al mercado. ¿Que tan preocupante es esto para kingpins como bitcoin y Ethereum? En julio, habia menos de 1,000 criptomonedas en el mercado. A partir del 18 de diciembre, habia 1,364. Cada mes se presentan entre 50 y 100 nuevas monedas virtuales, probablemente complementadas por la tecnologia blockchain. Cada uno de estos es otra amenaza potencial para las monedas virtuales existentes y sus blockchains.
We will discuss about crypto swaps and particularly Atomic Swaps, a new way to do cryto swaps today. To open an atomic swap, the first party will create an HTCL address who will then deposit a cryptocurrency. After that, a secret passcode for this cryptocurrency is created. This is called a preimage. which is subsequently hashed (a process that “locks” the preimage). This hashed preimage is then forwarded to a second party, who verifies that the capital for the cryptocurrency has been deposited. A second trader will then deposit their trade capital into a new address, which has been created with the same hash. The first party unlocks the trade capital deposited by the second party with a secret passcode used to deposit the initial trade capital. The second party can then unlock the trade capital deposited by the first party. Meaning, that an atomic swap has been processed. Why are atomic swaps important?
If you’ve already got a strategy that works, then a cryptocurrency trading robot may be worth considering. Once you’ve programmed your strategy, the bot will get to work, automatically executing trades when the pre-determined criteria are met. There are two benefits to this. Firstly, it will save you serious time. You won’t have to stare at charts all day, looking for opportunities. Trade execution speeds should also be enhanced as no manual inputting will be needed. Secondly, automated software allows you to trade across multiple currencies and assets at a time. That means greater potential profit and all without you having to do any heavy lifting. Having said that, bots aren’t all plain sailing. If you want to avoid losing your profits to computer crashes and unexpected market events then you will still need to monitor your bot to an extent.
Atomic Swaps: Underneath the Hood Take a look at the image above which has been taken from Coin Central. Let’s see what is going on here. Alexandra has some BTC and John has some LTC. They want to swap the coins with each other. The two of them then open up a payment channel. The instigator of this swap (let’s say Alexandra) then creates a contract address. He contract address is like a multi-lock safe that takes care of both of their funds. By creating the address, Alexandra deposits her BTC and produces a value as well. The value acts like the key while the hash generated from it will pretty much act like a lock for the safe, Upon doing this, Alexandra then sends the hash to John. John generates a contract address using the hash that has been given to him by Alexandra, John sends his LTC to this contract address. Only Alexandra can unlock the litecoin in this address because she has the value which generates that particular hash. Alexandra can get her LTC by signing a transaction for John’s contract address and John can retrieve the BTC by signing a transaction for Alexandra contract address. However, until now, John doesn’t know the value that generates the hash. So, how exactly is he going to unlock the address? See extra details at Swap Cryptocurrency.
Changenow only entered the marketplace last year, but has captured a significant share of the market already. The fact that it enables purchases to be made with credit card is a useful feature that’s unusual to see with crypto-swapping services. The platform enforces AML/KYC: if a transaction is marked as suspicious, the exchange is paused and the customer is asked to confirm their identity. Otherwise, Changenow doesn’t require any sort of registration. There’s no limit on the maximum amount that can be exchanged and more than 170 coins can be converted, from BTC and ETH to BCH, LTC and more niche altcoins. All transactions take under 15 minutes to complete, and a fee of 0.5% is incorporated into the exchange rate you pay. Another good choice is Atomiic.io.
Our service provides two exchange types: floating rate and fixed rate. You can always choose the most suitable one for you. We make the cryptocurrency exchange process simple as a daily shopping trip. All in order for you to exchange what you want, when you want and as much as you want. A user-friendly and easy-to-use platform for cryptocurrency exchanges. It works without registration and limits. Visit: https://atomiic.io/.
Exploring for bookkeeping firm in Denver? If you are a small business or an individual looking bookkeeping services and tips on bookkeeping we have a few tips for you plus a recommendation, Excellent Bookkeeping Services, LLC.
The costs a small business or nonprofit incurs for bookkeeping will depend upon many variables. Company size and lifecycle, number of monthly transactions, number of employees and how payroll is processed, number of expense accounts, credit cards, invoices to send out, bills to pay, number of balances sheets to reconcile, etc. In addition to these basic bookkeeping activities, your costs will be impacted by how your accounting systems, policies and procedures, and reporting needs are set up and administered.
Whether you want to get a business loan, answer an auditor, or simply design next year’s budget and business plan, you need the assistance of a full-charge bookkeeper. They can help ensure that each of these tasks are completed correctly, in a timely manner, and that they are accurate enough to be truly useful. Between the accounting software specialist and the full-charge bookkeeper, you will have begun to create a set of checks and balances within your business. Individual department spending will be recorded and analyzed by the bookkeeper, accounts receivables and payables reviewed and fulfilled by him or her, and the company’s spending is contrasted with its budget for review and analysis that can help identify inefficiencies and create more accurate future budgets.
I was in the real estate business for many years, so I can understand your business needs more than a general accountant or bookkeeper since I have been in your situation before. I can help you create a spreadsheet that will WOW your tax accountant and meet all your real estate bookkeeping needs. How can I tell if I’m ready for a bookkeeping service? Let’s have a 30 minute connect via phone or zoom and talk about your needs. Discover extra details on Real estate bookkeeping.
I needed someone to help me put together a pricing spreadsheet, so that I could adjust my lesson pricing over the year. Nicole took my hand-calculated information and created just the spreadsheet I needed. We even looked at it together and she tweaked it for me in real-time. I could not have done this with a month of Mondays…so glad to have Nicole’s help! Cymber Quinn, Harpist
Exploring for bookkeeping specialist in Denver, CO? If you are a small business or an individual looking bookkeeping services and tricks on bookkeeping we have several tips for you plus a recommendation, Excellent Bookkeeping Services, LLC.
If basic bookkeeping is all that your company needs at this stage, you’ll need to decide whether to do the bookkeeping in-house or if you should outsource. If you decide to hire and manage a bookkeeper you’ll also have to decide whether the position is part-time or requires a full time, full charge bookkeeper. If you decide to outsource, there are a few ways to go including local bookkeeping services, local CPA firms that offer bookkeeping services and specialized, national outsourced bookkeeping firms. Let’s look into three different options your company could consider to fill this need…
One of the easiest ways to secure an experienced, certified, professional bookkeeping service is to use a virtual accounting service provider. In fact, you can hire an entire bookkeeping staff—including an accounting software specialist, full-charge bookkeeper and controller—all through a virtual service without having to create an internal department. And after utilizing their services, you may just find that your company couldn’t afford not to have their expertise.
With years of Accounting experience, I can help you create a spreadsheet that will WOW your tax accountant with my affordable bookkeeping services. You will be able to hand-in a beautiful, organized expenses and income spreadsheet at tax time. How can I tell if I’m ready for a Bookkeeper? Let’s have a 30 minute connect via phone or zoom and talk about your needs. See more details at Affordable bookkeeping services.
As someone who is not numbers oriented, it was a scary step for me to contact Nicole. I’m so glad I did. She not only made things easy for me to understand, but also set me up for success going forward as I manage my small business finances. I highly recommend Nicole & Excellent Bookkeeping Services! Abby Gardner, Food Prep Specialist
What are the best companies that offer car insurance, focusing on Abu Dhabi? Here are a few tricks to buy the best available car insurance package. This article is a good general information piece but is targeted at Abu Dhabi car insurance market.
Insurance companies are likely to charge more if the car is seen to be a ‘higher risk’ vehicle. What does that mean? Well, cars with higher mileage are seen to be more likely to break down or have an accident due to their high usage rate. So, if you’re driving between cities during the week, avoid using that same car on the weekends, or better, try carpooling with colleagues. The idea is to keep your car running for as long as possible while enjoying a lower insurance premium too.
The first thing to do before buying any car insurance plan is to know about the various car insurance plans. The car insurance cost varies depending on the type of car you’ve purchased. Insurance companies look at the specifications of your car, from model, type, year to safety features. All of these features can affect the insurance premium. For instance, the insurance for a luxuriouscar like Range Rover will be costlier than insuringthe basic model of Toyota. So, always remember the cost of car insurance depends on the type of car you have. Read more details at Car Insurance Quotes.
For example, if you drive your car or jeep into desert occasionally, you can add off-road coverage in your plan for some additional fees. A simple comprehensive insurance plan covers against any damage, theft, accident or fire. Are you a good driver with a clean record? – If yes, don’t forget to ask for a no-claim bonus. If your insurance provider is reluctant to offer no-claim bonus discount, switch to the one that offers one as there are many insurance providers that offer different discounts as a no-claim bonus.
The team at BuyAnyInsurance.com has been hand picked to ensure that the same level of care, service and insurance expertise is what each customer receives, always! Constantly listening and learning so that the customer has the best digital experience, is able to find the best insurance cover quickly, easily and at the best price with an insurance expert at the other end of the phone or whatsapp chat as support. Why should you buy your car insurance through BuyAnyInsurance.com: Work directly with Insurance experts that have over 15 years of experience in the Insurance industry. You’re guaranteed to get honesty, integrity & transparency from us all the time. Source: https://www.buyanyinsurance.com/.
Cryptocurrency is the big boom in 2019, a market that offers huge profit making possibilities. But it’s also extremely risky so before you jump in it’s better to be educated. Here are a few tips if you want to purchase cryptocurrency online in 2019. To begin investing in Bitcoin and other cryptocurrencies you first need to sign up to an exchange which will offer you to buy cryptocurrency with money. An exchange is basically an online platform that enables everyone to purchase and sell Bitcoin as well as any other cryptocurrency that they have listed. There are many online platforms, we will review a few of them at introduce you to the hottest crypto local trading platform in 2019 , louiibtc.com.
Buying the dips and holding can be dangerous in a bear market, and it can put pressure on you to sell low if you overextend, but it is still often better than FOMO buying the top. Sometimes it can be wise to sell for a loss or to buy when the price is at a local high, but knowing when this is the case requires a rather high skill level. Thus, although rules sometimes are best broken, start by aiming to buy low and sell high. Two last points A. Knowing when to take a loss is hard, buying the dips and holding is easy. B. The dips WILL happen, you must be patient and ward off FOMO! C. If you aren’t willing to see 90%+ losses, then call a point where you will take a loss and stick to the game plan.
There’s a need for one to be more than cautious when looking to invest in any ICO. Knowing when to or not to invest in an ICO is not about science; rather, it’s about paying close attention to those details that most people seem to overlook while only focusing on the promised returns. Conduct a background check on the team behind the project and analyze their ability to deliver on their promise. In addition, you should also look at the viability of the idea behind the ICO, poke holes in the project’s white paper and seek answers where necessary. That will ensure that no stone is left unturned and, if by the end of it you still have doubts about the project, you’re better of passing than chance it investing in that ICO. Read more details on Cryptocurrency exchange Toronto.
They are one of the safest and most reliable means of payment. In a world where there are a lot of scammers and looters, we all need to trade in the safest way possible. The cryptocurrencies provide us with that security that makes them an important source of investment now and in the future.
Backed by trusted investors and used by millions of customers globally, Coinbase is one of the most popular and well-known brokers and trading platforms in the world. The Coinbase platform makes it easy to securely buy, use, store and trade digital currency. Users can purchase bitcoins, Ether and now Litecoin from Coinbase through a digital wallet available on Android & iPhone or through trading with other users on the company’s Global Digital Asset Exchange (GDAX) subsidiary. GDAX currently operates in the US, Europe, UK, Canada, Australia, and Singapore. GDAX does not currently charge any transfer fees for moving funds between your Coinbase account and GDAX account. For now, the selection of tradable currencies will, however, depend on the country you live in. Check out the Coinbase FAQ and GDAX FAQ
Our over-the-kiosk program enables third parties to sell bitcoins at their retail location without all of the logistics involved in keeping and maintaining stock. Tap into this developing market and stay ahead of the times. Our mobile application allows you to simply enter client transaction details such as the amount, adjust your margins and sell coins to clients without any headaches. Source: https://www.louiibtc.com/.
What are the top suppliers that offer car insurance, especially serving Dubai? Here are a few advices to buy the best available car insurance package. This article is a good general information piece but is targeted at Abu Dhabi car insurance market.
Up the excess: Your excess (or deductible) is the amount of money you commit to paying should your insurance need to make a payout. This includes accidents, repairs, theft and more. Generally, you’re offered a minimum excess amount relative to your premium that you would need to pay from your pocket. The lower your excess, the higher the premium, because the insurance company is essentially committing to paying more. But if you choose to increase your excess, you can save more on your premium.
There are various carinsurers available in the market. Every car insurance plan may seem like the best one. So, making the right decision can be difficult. The best thing to opt for the cheapest one is to compare car insurancequotes from various automobile insurers in the UAE. Know their pros and cons and make a list of car insurance plans that meet your insurance expectations. Consider the plan that offers maximum insurance benefits at minimum insurance premium. Read more details at Car Insurance Companies.
There are several car insurance providers in the UAE. Some of these companies are known to offer high standards of quality customer service and amazing car insurance packages at competitive prices, while others are not that popular. It makes sense to pick the car insurance provider that promises to satisfy all your car insurance needs including comprehensive coverage, a replacement car if your car needs repairs, and extended coverage outside of the UAE too. Also, look for the claim settlement ratio of your intended car insurance companies in Dubai, Abu Dhabi, or emirates of the UAE.
The team at BuyAnyInsurance.com chose to partner with Delta Insurance LLC as their broker because they have nearly 30 years of experience within the insurance industry, and more importantly they provide a service that aligns itself with the values that underpin BuyAnyInsurance.com around quality, transparency, speed and best service. Why should you buy your car insurance through BuyAnyInsurance.com: Work directly with Insurance experts that have over 15 years of experience in the Insurance industry. You’re guaranteed to get honesty, integrity & transparency from us all the time. Source: https://www.buyanyinsurance.com/.
Tax debt provider , this is a trendy topic in 2019. Money are a serious problem, as everyone knows. We will discuss about a few wage garnishment tricks finishing with the introduction of a top professional firm in US : DefenseTax.
Hold Off on Mutual Fund Purchases: People should be wary of buying mutual funds at this time of year if they will be held in a taxable account. You could get hit with a tax bill for year-end dividends even if you just purchased shares. “That’s how mutual funds work, but people don’t realize it,” says Joanna Powell, managing director in the Boston office of accounting firm CBIZ MHM. To avoid paying additional taxes, consult with a broker before making a purchase to find out when distributions are made.
Out-of-pocket charitable contributions: It’s hard to overlook the big charitable gifts you made during the year by check or payroll deduction. But the little things add up, too, and you can write off out-of-pocket costs you incur while doing good deeds. Ingredients for casseroles you regularly prepare for a qualified nonprofit organization’s soup kitchen, for example, or the cost of stamps you buy for your school’s fundraiser count as a charitable contribution. If you drove your car for charity in 2019, remember to deduct 14 cents per mile. Jury pay paid to employer: Some employers continue to pay employees’ full salary while they are doing their civic duty, but ask that they turn over their jury fees to the company. The only problem is that the IRS demands that you report those fees as taxable income. If you give the money to your employer you have a right to deduct the amount so you aren’t taxed on money that simply passes through your hands. Read extra details on Tax relief.
What are my obligations as an employer? Upon being notified of a wage garnishment court order, an employer should immediately alert the employee to the situation in writing. Depending on the garnishment, there may be a form provided for this (i.e., Form 668 for a federal levy). An employer can also draft a letter detailing the specifics of the wage garnishment order, the amount to be taken from each payment, and the length of time the wages will be garnished. Concurrently, an employer should notify their HR and/or payroll departments so they can start the wage garnishment process and ensure that payments are sent to the appropriate agency or creditor (whether the employee wishes to comply or not). Taking these actions protects the business from any legal repercussions for failing to respond to the order.
Defense Tax Group is a focused tax relief advocate firm that strives to protect you and your family from the devastating effects of looming tax debt. We specialize in settling tax debt, preventing and ending wage garnishments, eliminating bank levies and averting property seizures. We will fight to ensure your financial stability and help you enjoy life free from tax debt anxiety. Effective representation is crucial in any lawsuit, especially when dealing with a multi-billion dollar corporation like the Internal Revenue Service. The IRS and State Tax Boards are the most powerful entities in the country; yet you still have rights and can defend those rights to preserve your livelihood. Source : https://defensetax.com/.
High risk travel merchant account in 2019. This is a popular subject as more countries open up to new services. High-risk merchant accounts are a collection of finance services that allow companies to accept card payments from clients. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face limited options in processors, plus higher fees and harsh contracts. Being considered as high-risk looks terrible. But in some scenarios, it can be your best option. We have been writing about diverse points of view of the high-risk merchant account industry for many months and have most likely touched on most, if not all, of the most decisive issues. Here are some more advices on high risk merchant services.
High risk credit card processor : Cayan has a reputation for helping businesses develop more meaningful customer connections through cutting-edge payment solutions. They’re also known for reasonable pricing, and not requiring an early termination fee (ETF).
A lot of financial processors do business only with with low-risk businesses, who they consider as a safer investment. That means businesses considered high-risk will have a very poorr selection of potential processors to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents. It’s virtually not possible for commerce merchants to work without receiving payments from credit or debit cards. Before you can accept “plastic,” you need a payment service provider who acts as a liaison between you, banks, and credit card networks. Read extra details at High risk merchant account card not present.
Founded in September 2018, Card Z3N is a Las Vegas-based merchant account provider that serves both standard-risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including adult, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel.
We used all of the high risk credit card processors, to be able to compare and a solid choice is iPayTotal. They cover all business types, have a vast experience in the business, fast customer support and low fees.
Our goal is to have your account approved as soon as possible with the best rates. Typically within 5-8 days, your account is ready. Integrate your website with a selected payment gateway or use a Virtual Terminal to accept credit card payments. Tailor-made package includes an arrangement of a merchant account (MID) with one of our EU/UK or international acquiring banking partners, with an award-winning payment gateway service, reporting tools, integrated fraud-prevention, and free dedicated lifetime support. We bring transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals in high-risk merchant accounts suited to their needs – not just for now, but long-term. Source: https://ipaytotal.com/ipaytotal-high-risk-merchant-account/.