Category Archives: Finance

Check your free credit score

January 18, 2012 4:30 am

This year like in many years past credit cards play a major role in holiday shopping. While they are a great convenience they can be quite problematic if you over spend and then are unable to pay off the balance. Remember to always read the fine print on the amount of grace period days and when your bank actually starts to count interest. There are various credit cards that use a balance in your account or some other collateral to help you maintain your balance. Some provide 20-25 days, but I have seen others as little as 15 days. This means that you will start to accrue and pay interest before you even receive your statement, even if you intend to pay the balance in full. There are few things that you need to know about your credit report and how to obtain your Free Credit Score to help you get the best rate you can.

If you find yourself in a crunch it is always good to call the bank, and ask them for some added time. They know the cost of having to get new customers and will usually be accommodating to reasonable requests. It is a great idea to check out your  credit report and make sure that there are no blemishes on your credit score. You want to do this on an annual basis because your credit score can determine your insurance rates, loans, and even employment. It is a known fact that prospective employers will check your credit score to see what type of history you have and can make a decision to not hire should you have a low credit score.

Posted in Finance

Free online accounting tool from Outright.com

January 13, 2012 10:41 pm

There are thousands of small businesses and online bloggers that are very successful in what they do. One of the ways to measure your success is through your financial health of the company. Large companies have a whole department dedicated to measuring revenue, overhead, and overall costs to help the organization understand where to spend more money and where to cut back. Now thanks to online companies like Outright.com anyone can get a free online accounting tool that will help you keep track and plan for a brighter future. Understanding where you are spending money that is actually contributing to your bottom line and expenses that are eating away at the companies success can be critical. Many of the online start ups have created this false sense of financial freedom and they just seem to burn through money with no real gains to show for the investment.
Most small businesses do not have this luxury and keeping this data on a spreadsheet in some PC can be limiting your business. There are hundreds of accounting software packages but none of them as far as I know give you access to info no matter where you are like with Outright. Having your data online in their secure platform can help plan and present your business to anyone anywhere and it is always current and up to date.

Posted in Finance, Sales & Marketing

Become a tax preparer in 2012

January 6, 2012 1:17 am

The ability to file your  taxes online has become very popular and has made it easier for many Americans to file their taxes and get their refunds. If you are looking for a job in tax preparation then you can find tax preparer jobs that help train and educate to become a certified tax preparer. As our culture and population has changed so has the need to provide alternative ways and means by which to file your online tax return. At various online tax preparation sites they can help with your Online taxes needs with both filing and answering questions. There are irs exam classes that can teach you how to help others prepare and file their taxes. They offer free eFiling, and you will receive your refund much faster. We have used online filing for the past few years, and it is clean, secure and simple.This year many Americans will put off the dreaded task of doing their taxes until the last possible minute. As our tax laws have become more complicated many people are turning to their accountants to assure that they are not overpaying on their tax bill. And if you are like us where we reside in one state and work in another the tax scenario becomes a little more unclear. This is because some state allow you to take credit for taxes paid to another state while others are not so forgiving.

With online tax filing you can have your refund directly deposited into your checking, and receive it 2-3 weeks faster than filing by paper. There are certified RTRP that are available to help you understand the new laws and help you file online or through traditional methods. The IRS actually prefers you to Efile taxes since the electronic version contains less errors and is much less labor intensive for them to process. In most cases there is a simple process to follow that will help you fill out the correct forms and collect the right information.

Posted in Continuing Education, Finance

Your credit card application can determine your rate

November 18, 2011 7:27 pm

Budgeting is the most essential part of a sound financial plan. When we are able to see where our money is being spent, we can make crucial adjustments that will allow us to save for the future and avoid any shortfalls. Bills can be paid strategically and we can begin to save money for our retirement or for any large purchases that we may need to make in the future including down payments on homes or cars. The better control we have over our finances, the less stress we will have in our daily lives and we can start to plan for the future rather than dreading it because we have no control over it. All this planning can also lead to the discovery of ways to cut our budget that result in a little extra savings every week.

When you first fill out a credit card application make sure to look it over for additional fees and grace periods they offer for paying your bills. sign up for a credit card you usually get a good interest rate to start out with. Over time the credit card companies start to add in the rates of your interest and soon you can be paying a hefty little fee each month in those interest rates. When you see that your credit card no longer has a low interest rate is the time you should seek a new credit card. A new credit card will usually allow you to transfer balances over from your old credit card and you can have your current balance at a much lower interest rate. Smart credit consumers have been doing this for years and it’s a good way to get around those high interest rates that credit card companies try to dump on you. You can save a lot of money by seeking out those low interest rate credit cards as your next credit card and transferring the balance from your previous credit card. You can also fill out one credit card application and then see which cards you qualify for with the best interest rates online. Stay ahead of the game and find the credit lenders that are attracting new customers with those super low interest rates. You will soon learn the value of paying a lower interest rate on your credit cards each month!

Sometimes we just spend more money than we earn and no amount of budgeting can help us get by in certain times of our lives. In these cases, it is often best to take a loan from a friend or family member. Eventually, these loved ones will start to grow weary and not want to lend us anymore money. Other times, it is simply just embarrassing to have to borrow from them over and over again. Hopefully, in that case, we have credit cards or a line of credit from a home equity line of credit.

Posted in education, FinanceTagged ,

Save money today on your cell phone plan

September 20, 2011 10:01 am

This is a Sponsored post written by me on behalf of Net10 for SocialSpark. All opinions are 100% mine.

If you are looking for ways to save money there are some simple things you can do today. First of all leave your credit cards and carry cash. This way you will only spend what you have on hand and you will quickly learn to budget your cash rather than just spend and hope that you will pay it off later. The other area is look at your current cell phone plan. With all the competition to gain your business companies like Net10 now offer an unlimited plan for only $50. That is unlimited calls,text, and internet for one low monthly price. You can check out this Cute NET10 commercial to get more of the details and how you can save money.

The other great advantage of Net10 is that you are not stuck in a long term contract. So if you need extra cash you are on a month to month plan and can cancel and reinstate the plan anytime you need without an activation fee. This Real NET10 customer talks about their experience and how they saved money with Net10. You will have access to current smart phones and refill your minutes and plans online. You will never get any overage charges and your cell phone will be cut in half over what you are probably paying now. So start saving money today and use that extra cash for more important things.


 

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Posted in Advertising, Finance, Uncategorized