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Don’t Forget Your Finances When You Spring Clean

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Don’t Forget Your Finances When You Spring Clean In the South West, you didn’t need that extra hour thanks to daylight saving time to tell you winter was on its way out, nor did you have to wait until March 20th to know spring had arrived. The vernal season blossoms early in states like Texas compared to the rest of the country. If you took advantage of your head start, you’re probably through most of your annual spring cleaning chores already, but don’t throw in the yellow gloves just yet. We’re willing to bet there’s one part of your home you haven’t dusted off in a while and that is your finances. Don’t worry. Adding this item to your list won’t be as hard as you think, nor will it add a lot of time to your housework. It’s actually quite simple when you use the following tips to guide your tidying. Keep reading to learn the fastest and most effective way to enforce organization onto your finances. Step One: Evaluate Your Budget Your budget is the foundation of your finances. Without it, you can’t effectively run your household or take advantage of investments and other financial tools. If you … Read more

8 Reasons Your Online Meetings Fail

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Regular meetings aren’t a guarantee that you’re doing it right. You know something’s missing but you just can’t seem to put a finger on it. Here are a few reasons why your online talks and meetings seem to fail all the time: You’re Boring These days, video calling solutions might have given companies a fresh new way to get those meetings done. But if you still aren’t delivering the kind of content your audience needs—in this case, everyone in the meeting—and delivering them in a way that’s engaging, that could be why your meetings are dry and dead, with little to zero engagement from everyone on the team, the PGI says. That’s because engagement matters. One way you could do to resolve poor engagement is to increase audience participation. If all your meetings start and end with you talking throughout, you might want to take a step back and allow key members of your audience to do a presentation or take over a portion of the discussion. It can be boring if your audience has to listen to you all throughout the meeting. By changing that and calling on employees to participate, you can draw them into the meeting with … Read more

21st Century Technology: Digital Wallets

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There is almost nothing cooler than being able to leave your home without your wallet. Today, cell phones let commuters get on the subway with a tap, buy coffee with a tap, and attend shows and movies by displaying a screen. All of this is due to digital wallets, an innovative way for customers to hold their financial and important documents on their cell phones for access at any time. Near Field Communication Thanks to near field communication (NFC), customers are able to store their credit card, banking information, gift cards, etc. on their phone’s digital wallet. Merchants with “tap and pay” payment processing machines simply ask customers to tap their phone on the terminal to complete the transaction. Digital wallets are usually strongly encrypted, meaning that the data from customers’ credit cards is scrambled before it’s transmitted and then unscrambled by the payment machine. Encryption makes it nearly impossible for someone to steal your financial information. Because of this, digital wallets are more secure than credit cards themselves, since credit cards can be easily cloned. Practicality For customers, having a digital wallet means no longer having to carry around a bulky physical wallet filled with gift cards from your … Read more

Should You Renew Your Apartment Lease? 5 Important Factors to Consider

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Remember the day you signed the lease on your current apartment? The sun was shining, the birds were chirping, and you couldn’t see a single fault in your beautiful new dwelling. After six to twelve months in an apartment, even the best of abodes start to show their cracks (though hopefully not literally). A few months before your lease ends, you must ask yourself: should I stay or should I go? There are pros and cons to re-signing a lease and putting in your notice when your contract ends. Here are five important factors to consider when you’re deciding whether or not to extend your lease or find new housing. Crunch the Numbers One major deciding factor will be the price point. Now that you’ve lived in your apartment for at least a few months, you have a better idea of how much rent, utilities and living expenses really cost. Are your housing expenditures in line with your financial goals? Has your job situation changed since you signed the lease? You may want to upsize, downsize or stay in place accordingly. Moving isn’t free. The average cost of a move within the state is $1,170, and costs rise with the … Read more

A look at PPI Claims: Egg PPI Claim and Barclays PPI Claim

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Whether you have a lot or a little bit of debt, chances are you might be worrying about how to repay it. Although a life without debt might be your goal, ultimately you should worry more about how you’ll repay your debt or keep up with the payments if you lose your job, can’t work or die. For people with this concern, payment protection insurance (PPI) could be the answer. PPI works like this: A person purchases a PPI policy, and hopes to never use it. If the worst should happen, a person makes a claim to their insurance company asking that the insurance company take over the debt payments. Despite what you bank or lender might say, consumers have a choice of insurance company and PPI policy. In the UK, there are hundreds of insurance companies like Canary Claims which allow customers to get PPI policies at a fraction of the cost of what lenders charge. If you’re still unsure about what PPI is, or how to get it, or why your lender might not be the best place to buy it, read on! Depending on the type of insurance purchased and the reason a person is making a … Read more

Should Traders Invest in Gold?

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Gold is often seen as a safe-haven asset in times of uncertainty and high market volatility. Commodity trading brokers such as UFX enable traders to buy and sell Gold by taking advantage of price movements, either by trading directly on Gold futures, or on ETFs (Exchange Traded Funds) Markets worldwide have rallied since the election of President Trump, with U.S. indices at their highest levels. However, some investors remain concerned about the ability of the White House to enact promised reforms of tax cuts, fiscal spending, and deregulation of the banking sector. The prospect of rising protectionism could also impact the stability of relationships between the world’s major economies. In 2016, Gold gained more than 8% and rose by 23% immediately after the UK Brexit vote. Such peaks are common during periods of economic turmoil, due to a process known as flight to quality. Demand for Gold increases because it usually retains its value when the prices of other assets fall. 2017 could witness further triggers for higher Gold demand, and many traders are already eyeing possible positions. Events with the potential to drive up Gold prices include: #1 Overvaluation of American Stocks With U.S. stocks priced at historic highs, … Read more

How to Start Saving For Retirement

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For many people, saving for retirement is a daunting prospect. However, there is no need to despair. Saving becomes easier as you develop the proper habits. Saving for retirement is something you won’t regret: what you decide today will greatly impact your quality of life after retirement. You may feel like your current budget can’t accommodate retirement savings, but small financial sacrifices can help. You may find saving easier than you first anticipated. Here are few simple steps to get you started: 1.  Start assessing your spending habits You need a reality check: start by recording your monthly expenditure. Keep a running total of everything you buy, from TVs to takeaways. You may soon discover that you are wasting money on items you don’t actually need. You might be able to create some breathing room in your budget by analyzing your spending habits. In fact, your monthly satellite TV subscription likely costs more than most minimum monthly unit trust investment or retirement annuity contributions. Numerous financial service companies offer investment minimums of less than $50/month. 2.  Formulate a budget You should draw up a budget once you have a handle on your spending habits and potential cutbacks. This helps you … Read more