http://www.dyernews.com/quickbooks-self-employed-review/ If you're a freelancer, Uber driver, or self-employed in some other capacity, one thing you might not be prepared for is keeping track of your business finances. While the day to day might seem easy enough — money comes in, money goes out — being unorganized can come back to bite you hard come tax time. That's what I signed up for Quickbooks Self-Employed (QBSE) about a year ago and am here to share my full review. Resources: Quickbooks Self-Employed Review http://www.dyernews.com/quickbooks-self-employed-review/ Should You Be Paying Quarterly Estimated Taxes? http://www.dyernews.com/should-you-be-paying-quarterly-estimated-taxes/ Note: the sale mentioned in this video was accurate as of publication but is subject to change. *********************************************************************** Quickbooks Self-Employed includes five main sections: -Transactions -Mileage -Taxes -Invoices -Reports In Transactions, you can review all of your purchases via various debit, credit cards, or even add in cash payments. From there, you can denote whether each purchase was personal or for business. Additionally, you can transaction between multiple codes. On the Quickbooks app, you can even do this on the go, categorizing transactions by swiping left or right. For business transactions, you can further categorize your spending. This will come in handy when you're itemizing your tax deductions. If you really want to get organized, you can even attach photos of receipts so that you have all of your documentation in one place. Since going through each individual transaction can be tedious, Quickbooks allows you to set rules. For example, the software can be taught that any transactions from Staples should be filed under Business — Office Supplies. If you're new to the program, you'll also be happy to know that rules can be instated retroactively, saving you a ton of time. Mileage is another extremely helpful section of Quickbooks Self-Employed. Again, you have multiple documentation options including the ability to enter the reason for the mileage as well as the start and end point for the trip. Using the Quickbooks app, you can also turn on an auto-tracker that will save your trips and allow you to label them after the fact. Of course, taxes are one of the main reasons many freelancers and entrepreneurs get Quickbooks Self-Employed. Beyond the helpful itemization advantages, QBSE will also estimate your quarterly tax payments, which often plague new freelancers. In the event you're not required to pay quarterly taxes, there are support options for annual taxes as well. Ever get tired of generating invoices in spreadsheets and keeping track of what's been paid and what hasn't? Then you'll want to check out Quickbooks Self-Employed's invoices section. With just a few clicks, you can create and send invoices to your client. Additionally, you'll be able to keep track of these invoices all in one place so you don't miss a payment. Even better, you can sign up for Payments through Quickbooks, allowing your clients to pay you via credit card or debit cart. While bank transfers are free, fees on the seller's end do apply credit card transactions. However, at 2.9% + $.25 for each transaction, it may be worth the convenience. Finally, the reports section will make doing your taxes a breeze. You can generate a spreadsheet or in-browser report giving you an overview of your business spending or a more detailed tax report. Another available report is a profit vs loss statement. One minor gripe I have with Quickbooks Self-Employed was that sending these reports to my tax preparer and having them upload them to TurboTax didn't seem to be an option. It may be easier if you purchase a Quickbooks/TurboTax combo package yourself, but it seemed I was only able to send out a spreadsheet. Granted, this still saved a ton of time and hassle at tax time, but it could have been even easier. Overall, I would recommend Quickbooks Self-Employed to any freelancer, 1099er, or gig worker who, like me, needs help organizing their business finances. At about $10 (or less — a current sale is offering 50% off for the first six months), it's also very affordable. And, it should be mentioned, your monthly fee is tax deductible! A tip I'd give you about using the software is to keep up with your transactions. Even if you set a ton of rules, you'll likely still have a few outliers that need to be categorized. I'd recommend review these weekly or at least monthly — along with your mileage and income — to ensure that you're estimated tax payments are more accurate. Best of luck on all of your adventures in freelancing! Subscribe to [email protected] Product Reviews https://www.youtube.com/playlist?list=PLFfM5Lf816an_Ux9qetCn_0sy4FoK4naw
Views: 62402 Money at 30
https://dyernews.com/square-cash-card-review/ You may have heard of Square's Cash app but did you know they also have a Cash Card? Here's what you need to know and how it could save you money. Cash app: https://cash.me/app/CLTCKDC A few months ago, I wrote about the peer to peer payments app Square Cash was introducing its own debit card option. However it wasnt until a few weeks ago that I bothered applying for my own. What finally led me to order my card was learning about Cash’s Boost feature… which we’ll talk about just a little bit later. Having now had the chance to try out of Cash Card for myself, I wanted to share the three things you should know about this offering. The first thing you should know about the Square Cash card is that it’s completely free to get your own. Ordering your own Cash Card is not only easy but it’s also free. Current Cash users can order their cards within the app by verifying their personal information and address. Presumably new users can also get their hands on a Cash Card once they set up their regular Cash account and follow these same steps. In my experience, the Cash Card arrived at my home in just a few business days. From there, activation was also fairly simple and was achieved by using the app to scan a special QR code placed on the card’s packaging. Once this was done, I was all ready to use my Cash card without having to spend a dime. Next, while the physical Cash Card card offers a sleek and unique design, you can also take advantage of Apple Pay integration. One step of the Cash Card ordering process that I purposely skipped over was when you provided a signature that will then be laser engraved onto your card. This fun aspect makes the card’s design unique and adds a stylish element to the otherwise solidly sleek black rectangle. Before you get any smart ideas, Square says they do monitor these signatures and drawings for anything inappropriate, so mind your Ps and Qs. Although the cool design of the card makes it look great in your physical wallet, it’s also nice to know that you can add your Cash Card to Apple Pay as well. This can be set-up through the app and make it so that you ca utilize your card anywhere Apple Pay is accepted. Moreover using your Cash Card in Apple Pay will still activate any Boost offers you have. Speaking of which... Last up is actually the reason I got the card in the first place, and that is the Boost offers the card boasts. When you tap the balance button in the top-center part of the Cash app’s main screen, you’ll be taken to your card’s control center, where you’ll also see a button titled “Boost.” Here you can select from a number of offers that can potentially save you money on select purchases. For example, current Boost offers include 10% off at Chick-fil-A, 15% off at Shake Shack, 5% off purchases at Whole Foods, $1 off at Subway, and more. There’s also one more generic option, which is $1 off at coffee shops. According to Square’s site, you can swap out Boost options as much as you want before using them. However, after using a Boost on a transaction, you’ll have to wait 12 hours before you’ll be able to swap them again. That said, they do note that if new Boost become available, this 12 hour waiting window will be waived. As I discovered, when you use these Boosts, you’ll first get an alert showing you your base total. However, just a few second later, I got a second notification telling my my boost had been applied and that a small total was being deducted from my balance. Pretty cool if you ask me. Ultimately, even if you aren’t a big-time Cash app user, getting a Cash Card is probably worth it my opinion. Not only is does the elegant card design make it a nice addition to your wallet but the Boosts available can often best any credit card rewards you’d be missing out on. For example, I learned that I was able to use the $1 off at coffee shops Boost to add $10 to my Starbucks Gold Card while only paying $9 — that’s a savings of 10% while even my beloved Uber Visa would only nad me 4%. With all this considered plus the fact that Square’s Cash Card is free, there’s really no reason why you shouldn’t give it a try.
Views: 87218 Money at 30
https://dyernews.com/clarity-money-app-review/ There are plenty of personal finance apps out there, but Clarity Money stands out with some of the unique features that help you manage your money. Here are my top 5 favorite things about Clarity. In the past year, I’ve reviewed my fair share of personal finance apps. The latest personal finance app to come across my desk is Clarity Money, and I’m happy to report that its elegance and original features combine to create a great banking hub worthy of your consideration. ***Clarity Money App Overview*** Once you’ve set up your accounts, the first info you’ll come across in your feed — following a brief weather report and greeting, that is — is a look at your current balances. This includes your cash on hand (meaning account balances, not literal cash), credit card debt totals, and investment balances. Below that is another fairly standard feature: a list of recent transactions you’ve made. However one nice touch is the inclusion of company logos that sit beside these transactions. After those basics comes a selection of other widget-type blocks that may vary from user to user. In my case I currently have a reminder of my credit card bill’s due date, a graphic totaling my income so far this month, and a graph representing how much I’ve spent compared to what I’m expected to earn for the month. Next, in what is one of my favorite mini-features of Clarity Money, is a widget where you can see easily view how much you’ve spent at a specific retailer. Tapping the retailer name will allow you to select from a few other popular choices such as Walmart, Amazon, and Netflix while tapping the phrase below that will let you adjust the length of time — this week, this month, or this year. Clarity Money is less of a budget app to me and more of a financial hub. Case in point: the “Anything You’d Like to Cancel?” widget. From this part of your feed. you can select from some of your active subscriptions and potentially cancel them right from the app. Now, I will warn that I have yet to actually complete a cancellation through the app since I’m currently happy with my services, so I can’t speak to the entire process. However it seems that, for subscriptions like Spotify and Netflix, you can fill out a form in Clarity Money to cancel the service you select. For other services like my Geico auto insurance, tapping “cancel” will just display a phone number you can call the business directly. While that novelty feature could certainly come in handy, a more useful tool follows: you can actually create and customize a savings account in Clarity Money by selecting an amount you want to set aside, when you want to make automatic deposits, what account the money should be pulled from, and what these savings are for. One function I have taken advantage of is the Transfer Money widget in Clarity Money. This feature makes it easy to transfer money between your connected accounts, so I thought I’d try sending a few dollars from my Wells Fargo checking to my wife’s PNC savings account. While it did take a few days to fully process, this worked like a charm. On both ends, the transaction was also clearly labeled with my name and Clarity Money, making it easy to identify. ***Overall Clarity Money Review*** First off, Clarity Money is easily the sleekest, most polished, and downright pretty personal finance app I’ve tried. In my opinion, the graphics and the widget-esque feed make this app a joy to use. In terms of what I don’t like about Clarity Money or think it could be better, I do have a few thoughts. While some widgets such as the Acorns integration can be deleted if they don’t apply, the majority of the blocks are there to stay. Furthermore, from what I can tell, there’s no way for users to customize their feeds and move certain blocks higher of lower. That said I don’t have any specific gripes about how Clarity Money’s default feed is arranged, but the ability to customize is always appreciated. Speaking of customization, such a feature is also missing when it comes to transaction labels. Although you can select from a set of spending categories, there’s no way to add your own. Overall I’d say that, if you really want an app to help you track your spending and stay on top of your budget, Clarity Money likely won’t have everything you’re looking for (perhaps try Mint instead or in addition). However, as a banking hub and a daily financial feed, the app excels and sets itself apart from other personal finance apps on the market. For that reason, I recommend checking out Clarity Money for yourself and seeing what the app’s widgets can do for you. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 17353 Money at 30
Looking to earn some easy cash back? Dosh is a smartphone app that rewards you for shopping at partnering retailers — and, yes, it's legit. Here are 5 ways to earn using Dosh. https://dyernews.com/dosh-app-review/ ***UPDATE*** Latest info in this video: https://youtu.be/abZcvCcFC2Y Dosh: https://link.dosh.cash/YCLI/dgaXJt34OI Getting Started with Dosh After downloading Dosh from either the App Store or Google Play Store, the first thing you’ll want to do is link your various credit and debit cards. Not only is this important to your ability to benefit from the app but you’ll also receive $5 for adding your initial card plus another $1 for each subsequent card you link. There are, however, a couple of notes to make about this process. First, each card can only be linked to one account. Furthermore, as I learned when trying to add my debit card, you can’t link cards that are being used by competing cash back services like Mogl. Earning Cash Back with Dosh Beyond the freebies you get just for linking your card, there are a few different ways to accrue cash back with Dosh: In-store offers The first way to utilize your Dosh-equipped cards is to simply use that at participating businesses in your area. For example, in terms of offers near me, I could earn 2% back at Sam’s Club, 7% at Hallmark, and 5% at Forever 21. While those are all national chains, I recently noticed that a local barbecue joint, Crosstown Barbecue, also joined the app and offers 10% back on purchases. To nab these deals, all you’ll need to do is pay with one of your linked cards — really, that’s it! Online offers Although I waited until there were more places in my neighborhood that offered Dosh perks before trying out the app, there are a number of online retailers I could have been patronizing and earning with that whole time. This includes Bed, Bath, and Beyond (7%), Puma (6%), LEGO (2.2%), and many more. On top of the standard cash back offers for each retailer, you may find additional deals and offers listed. Something to keep in mind with the online offers is that you’ll need to use the link provided in the app to make your purchase. Therefore, you’ll likely want to see if the e-commerce site you plan on buying from is on Dosh before completing your purchase. Travel deals Next to the regular Offers tab, you’ll find Dosh’s Travel section. This will not only allow to search for the best deals on hotels but also earn some significant cash back for booking them through the app. Moreover, Dosh is currently offering users an additional $25 in cash back when they book and complete their first hotel stay. Referral bonuses If you do get the chance to try Dosh and enjoy it, you can boost your cash back by referring friends to the app. Currently you can earn $5 for each person who signs up for Dosh using your custom link, adds a card, and makes a purchase. I should also note that the app has been known to increase this reward from time to time. In fact, I was able to nab $15 in cash back for getting a friend to join during one such recent promotion. Redeeming Your Cash Back Just as there are a few different ways to earn on Dosh, there are also different ways to redeem those earnings. In each case you’ll need to have at least $15 saved up in order to cash out. With that goal met, here’s how you can claim your cash: Transfer to your bank account Your first option is to deposit your cash back in your bank account. To my surprise this was not accomplished by adding an account and routing number like I’d expected but, instead, required you to sign into your online bank account using your username and password. This worked well but I could understand some being a bit trepidatious about this method. If you fall into that cateogory, you might want to try the next option. Add funds to PayPal Should you opt not to link your actual bank account or just prefer PayPal in general, there’s also an option to send your funds there. I nearly went this route when doing my first cash out, but ultimately decided to try the bank link instead. Sadly this means I don’t have much more insight into how this feature works but, given my other experiences with Dosh, I’d expect it to be pretty straightforward. Donate to charity Lastly, Dosh allows you to make a difference with your cash back and donate your earnings to charity. As of now, the three charities the app has listed are United Way, American Red Cross, and Child Fund International. Final thoughts Overall, I’m really impressed with Dosh and am glad to see it growing. The bottom line is that the Dosh app works as well as I could have hoped for earning cash back and I’m excited to try some of the other features (namely the travel bookings) it has to offer. So, if you’re looking to maximize your savings and perhaps even double up on your credit card rewards, I’d recommend checking out Dosh and seeing what cash back you can earn.
Views: 41851 Money at 30
https://dyernews.com/ebates-review/ Have you heard of the cash back service Ebates and wondered how it works and whether it was legit? Let's take a look at Ebates and how it can save you money. If you spend much time on the Internet, there’s a decent chance you’ve encountered the name Ebates but might not have looked much further into the service or what it can do. Basically, Ebates enables you to earn cash back when you make purchases on their partner sites. On top of this, the site also offers coupon codes and offers you can use to further save money. So how does it all work? Let’s take a look at four things you need to know about getting started with Ebates. The first thing you should know about Ebates is you can earn a $10 welcome reward when you first sign-up Ebates at https://dyernews.com/ebates One of the great things about Ebates is that you can score a $10 bonus as a new member. However, you will need to do a couple of things before this bonus can be yours. First, you’ll want to select which bonus you’d like: a $10 Walmart gift card or just $10 applied to your Ebates account. After that, you’ll need to spend at least $25 in qualifying purchasing using Ebates within your first 90 days of joining. Once this is completed, your $10 bonus will be applied. Speaking of bonuses, Ebates also allows you to invite friends and family to the service and earn rewards for doing so. Currently, you can score a $25 bonus for each person you refer using your custom link, which can be found by logging into your Ebates account. However, like with the welcome bonus, this $25 won’t be applied until the person you’re referring makes $25 in qualifying purchases within their first 90 days. Next up, when it comes to Ebates, there are a few different ways to utilize the service, including visiting their site, using their app, or installing their Chrome browser extension. While Ebates offers cash back from more than 2,500 sites, you’ll need to ensure that you properly activate offers on Ebates before making your purchases in order for them to qualify. To do this, you can either go to the Ebates site or app, search for the retailer, and click their link to the site to make your purchase. Alternatively, you can install the Ebates browser extension for Chrome that will make the process a little easier. With the extension activated, you’ll be notified when you arrive at an Ebates partner site and be able to activate your offer from there. Additionally, the extension can be used to quickly access your Ebates account data such as your current balance, custom referral, link and more. One of the few downsides of Ebates is that you won’t be able to cash in right away because the site only pays out on a quarterly basis. Ebates refers to their payouts as “Your Big Fat Check.” Unfortunately, these checks (or PayPal transfers) are only sent out once every three months. Currently, these payout dates fall on February 15th, May 15th, August 15th, and November 15th. It’s also important to mention that you’ll need to have at least $5 in cash back in order to receive a payout. Luckily, if you don’t hit this threshold, your balance will be rolled over to the next quarter, allowing you to keep earning. Finally, it’s important to note that not every item sold on a participating site will be eligible for Ebates cash back When looking through Ebates offers, you may notice that some listings will say “up to” a certain percentage back. That’s because not every item on that site will qualify for cash back or select departments will have different offers. For example, Apple.com offers 2% on some of their accessories and other items while excluding computers, phones, and more. As a result, I have one purchase in my Ebates history that shows a $1618 transaction resulting in .38 cents cash back since only the $19 cable I purchased with the laptop qualified. Also excluded from earning cash back are fees such as taxes and shipping costs. So, if you’re trying to compare your Ebates transaction history to your purchase receipt, you’ll want to use the subtotal before these fees are added. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ Earn $10 today when you sign for Ebates at https://dyernews.com/ebates
Views: 2912 Money at 30
https://dyernews.com/app-review-acorns-makes-easy-save-invest/ Are you looking for a relatively painless way to set money aside and get started with investing? Well in this video we’re going to discussing the app Acorns which can make that happen. Acorns is popular micro-investing app that allows users to take their digital spare change and put it into a portfolio of stocks and bonds. This simple premise has made Acorns a hit and the app continues to expand with new features and offerings. As a result, you may be wondering how Acorns works and what some of the pros and cons are. With that, let’s dive into four things you should know about Acorns Core product and more. The first thing to know about Acorns is how their Round-Ups feature works and what other options you have for investing. Like I mentioned, Acorns’ claim to fair is their Round-Ups functionality that aims to make saving and investing as painless as possible. To take advantage of this feature, you’ll first need to link your credit and debit cards so Acorns can determine which transactions to round-up. For example, if you link your debit card and make a purchase for $5.25, Acorns would set aside $.75 to be deposited. However, these round-ups don’t happen instantly. Instead the app will keep track and only transfer the funds once you surpass $5. Elsewhere, you can also make scheduled or one-time contributions to your account on top of your round-ups to help grow your balance even faster. It should also be noted that you can cash out your portfolio at any time and have the money transferred back to your linked bank account. In addition to setting aside your own money to invest, you can also add funds to your balance by taking advantage of Acorns’ Found Money offers. Akin to Dosh or Ebates, Acorns offers Found Money deals that will reward you for purchases from certain online retailers. For example, current promotions include 1% back from shopDisney and Walmart, 3% from Sephora, 5% from Nike, and many more. Once you make qualifying purchases, these cash back amounts will be deposited into your Acorns account and invested. As always, restrictions may apply so be sure to read all the details before trying out one of these Found Money deals. Next, Acorns allows you to adjust your portfolio to meet your risk tolerance by offering five different settings ranging from conservative to aggressive. Unlike apps such as Robinhood that allow you to buy stocks directly, Acorns will select a mix of stocks and bonds for you to invest your money in. While this might not offer you a ton of flexibility, you can adjust your portfolio to be either more conservative or more aggressive. In all, there are five different risk levels to select from, with bonds making up between 11% to 60% of your total portfolio. Personally, I’d recommend experimenting with these different investment setting while not pushing yourself beyond your level of comfortability. Finally, I’m sad to say that Acorns isn’t exactly free with their Acorns Core service coming at a price of $1 a month. As an Acorns user, you’ll be assessed a $1 monthly fee for their basic service. Previously this fee came out of your investment funds but the app has since update their policy and now this dollar will be taken from your linked checking account. The downside to this is that you may not take notice of much these fees may be eating into your earnings — something that dan definitely happen if you’re only making small contributions with few round-ups. Speaking of fees, I should mention that Acorns also offer some extra services as well. This includes their Acorns Later IRA product and their upcoming Acorns Spend debit card. You’ll be able to get these two services along with the Acorns Core features for a total of $3 a month. But, if that doesn’t sound necessary to you, you can always stick with the basic plan.
Views: 2465 Money at 30
https://dyernews.com/honeydue-review/ Honeydue is a personal finance app designed for couples. In this video, we'll highlight some of the features Honeydue has to offer and how it can help you and your significant other manage your money together. *********************************************************************** Getting Started with Honeydue If you’ve tried out other personal finance apps before, you know that it does take a while to get your accounts connected and have everything set up. Honeydue is no different in that aspect, although the process was pretty painless in my case — I was able to select my bank, enter my information, and have the app pull the appropriate data. As you add accounts, you can also label them as personal or joint accounts. Finally you can select from a number of privacy settings, allowing your partner to see everything, balances only, or completely hide an account’s info from them. One extra step you’ll want to take with Honeydue in order for it to function as intended is to add your significant other to the account. This is done by entering their e-mail address and inviting them to join you. The app does recommend that you make your profile picture a photo of you before inviting your loved one, just so they know it’s really you when they get the e-mail. Once both of you are set up, you’re ready to explore the rest of the app. Balances The first page you’ll encounter on Honeydue is called Balances. As that name implies, this is where you can get an at-a-glance overview of all your different bank and credit card accounts. You also have the choice of viewing all of your accounts, just those you’ve labeled as “mine,” or just those you’ve labeled as “joint.” Tapping on any one account will also let you browse recent transactions. Viewing your transaction activity is actually the first place where Honeydue sets itself apart. See, in addition to the ability to re-categorize any transaction, you can also label them with emojis or make additional notes. Assuming you’ve selected the correct option in your notification settings (more on that later), your partner will then be alerted to your notes or reactions and can respond accordingly. By selecting a single transaction, you’ll also be provided with a few more selections. The first option is to share the expense with your partner, which is another feature we’ll get into a minute. Here you’ll also have the choice to add a bill reminder. Tapping that option will then allow you to choose a frequency option (monthly, weekly, one time only), who the reminder should go to, and when you’d like your notification to be sent. Activity Given how much you can do from the Balances section, Activity may seem a bit redundant. In actuality it’s really just a question of how you like your transactions to be organized. While Balance displays your spending for each account, Activity breaks it down by category. It also includes a color-coded circle chart, providing you a visual look at what categories you spend the most on. Other than that, the functionality is similar to Balances: tap a category to see transactions and add reactions, tap that transaction to share expense or set-up a reminder. Bills As you set up bill reminders, they’ll appear in this section in both a calendar view and as a list. Naturally you can also add reminders from this section. Lastly, from the list view, you can edit upcoming reminders, mark them as paid, or select to skip a reminder until the next due date. Notification Settings The final section simply titled “More” is actually home to a number of features. The first tab you’ll come across in More is a list of notifications. Speaking of notifications, you can also tap the gear icon in the top right and then select Notification Settings to adjust what types of transactions and updates push through to your phone. Next to the notifications tab is “Your Banks,” where you can view what banks you’ve linked to your account. Incidentally this tab can come in handy as one of my accounts was recently unlinked for some reason. To repair it, all I had to do was tap and reenter my info — easy as pie. Perhaps the most interesting section of More is the Split Expenses tab. Here you’ll see a list of transactions that you or your partner have labeled to split and also has the option to post more unpaid debts. This section will keep a running tally of who owes who and provide an overall balance. Should you choose to “settle up” this balance, you can then launch either Venmo or PayPal to do so. Sadly these options don’t really integrate with Honeydue, so you’re really on your own to send the money and then just “mark as paid” when you get back to the app. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 3756 Money at 30
So what's the best free credit score site out there? In this video, I review three credit score sites — Credit Karma, Credit Sesame, and WalletHub — and comparing them in five different categories to crown a champion. https://moneyat30.com/what-credit-monitoring-service-is-best/ Resources: Credit Karma review: https://dyernews.com/credit-karma-review/ Credit Sesame review: https://dyernews.com/credit-sesame-review/ WalletHub review: https://dyernews.com/wallethub-review/ *** Scores Offered First, all three services utilize the VantageScore model (more specifically, VantageScore 3.0) to provide their scores. It should be noted that this model differs from the more popular FICO scores that you’ve probably heard of. That’s why the credit scores found on these three sites are sometimes referred to as “educational scores” and will at least give you a rough estimate of where you stand. Credit Karma, Credit Sesame, and WalletHub all offer scores based on data from Transunion — one of the big three credit bureaus. However, Credit Karma also offers a second score from Equifax (yes, that Equifax). So, for the simple reason that two is better than one, Credit Karma wins round one. Winner: Credit Karma Website experience While the three services in question have fairly similar website designs, there are certainly a few differences to be found. For example, Credit Karma makes it easy to dive into the specifics of your scores just by clicking them. From there, you can see how you rate when it comes to the different credit score factors and pinpoint where you can improve. Credit Sesame also puts those credit factors front and center, giving you a letter grade in each area. But my big problem with Credit Sesame is a lack of credit report data. In terms of navigation, I actually find WalletHub’s site the easiest to use. All of the useful tabs are lined up at the top, allowing you to switch between your score, analysis, and report. Meanwhile, there are still some other helpful features tucked away on a higher nav bar, but all the junk is stowed away too. Thus, I enjoy using WalletHub’s site more than the other two. Winner: WalletHub Apps Given the popularity of smartphones in today’s culture, it’s only natural that each of the three sites also offer mobile apps. This is actually for the better with Credit Karma’s app as it moves most of what you don’t need to the “Offers” tab while packing the useful tools into the first two tabs. Next, while Credit Sesame’s app has some great functions, the app’s design doesn’t feel up the snuff when compared with its competitors. Additionally, when using the app, the credit card/loan ads (which all three apps utilize) feel very noticeable and distracting. Finally, WalletHub’s app includes several of my favorite aspects of the desktop site, including a historical credit utilization graph I truly appreciate. Winner: Credit Karma, WalletHub (tie) Alerts As nice as these apps and sites are, no one wants to be visiting them intently to get the latest info. That’s where having customized alerts can really come in handy. To that end, Credit Karma offers plenty of options, including bank alerts for low balances or fees. However, while Credit Sesame has far fewer alert choices, one they do have really stands out: the ability to set alerts if you score dips below or creeps above a certain number. WalletHub has the least specific notification options of the three, with generic alerts you can send weekly or monthly. You can also choose to have these go to your phone or e-mail, but that’s about it. So, despite Credit Karma’s bevy of alerts, I still think Credit Sesame earns the point for their credit score threshold alert. Winner: Credit Sesame Star Features Like I said, Credit Karma, Credit Sesame, and WalletHub all have a lot of similarities, but each one also has a few unique features worth mentioning. For Credit Karma, that star feature is the credit score simulator. This helpful tool allows you to see how your scores might be affected by opening a new credit card, taking out a loan, paying off some debt, and much more. Credit Sesame’s star feature isn’t exactly a feature but a service: just for signing up and opting into their program, the site will cover up to $50,000 in expenses and legal fees related to identity theft. Rounding out the star features is WalletHub’s WalletLiteracy test. This quiz will see knowledgeable you are about a number of finance topics. It will also let you see how your score compares to the average user. Winner: Credit Karma Overall, I have to say there’s a reason why Credit Karma remains the most popular free credit site. That said, there are reasons why you might consider using all three sites. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 7867 Money at 30
Are you looking for a credit card that rewards you for things like dining and travel, but without charging an annual fee? Then the new Uber Visa card could be for you — even if you're not a frequent rideshare customer. Resources: Uber Visa Credit Card Review: https://dyernews.com/uber-visa-card-review/ Apply: https://www.uber.com/c/uber-credit-card/ *********************************************************************** A couple of weeks ago I did something I wasn’t expecting: I applied for a new credit card. Before this, my wife and I already had three cards, which seemed like a good number, but then the recently announced Uber Visa card grabbed my attention. It’s not that I’m a big Uber user or even utilize ride-sharing service very often, but I was impressed with what this new card had to offer and how it complimented or improved upon my current credit card line up. So what’s so appealing about this new card? Let take a look at the top 5 things I’m loving about my new Uber Visa card that I think you’ll enjoy too. Generous Cash Back Spending Categories What first grabbed my attention when I saw news of the Uber Visa were the spending categories and point structure it offers. This includes 4% back on dining, 3% on hotels and airfare, 2% on online purchases and Uber rides, and 1% on everything else. Technically, these percentages come in the form of points and not dollar, but each point is equivalent to 1 cent, making them easy to convert. I can easily see myself making use of all of these categories, whereas the top categories on my current Visa — like 4% back on gas — don’t come in handy as much. Additionally, aside from a rotating slate of 5% categories, my Discover It card only entitles me to 1% back in most situations. That's why I've found the Uber card to be a great addition to my wallet. No Annual Fee On that note, I was shocked to learn that these impressive cash back levels came on a card with no annual fee. In the past, I’ve briefly considered some branded cards that had annual fees, but ultimately opted against them as I wasn’t convinced I’d get my money’s worth. But, with the Uber Visa, there is no fee to worry about, which is part of what led me to apply. 0% Foreign Transaction Fees Another feature that helped seal the deal for me is that the Uber card doesn’t charge any foreign transaction fees. To be honest, this was also a selling point for me when I signed up for my Discover card last year. Unfortunately, while Discover has partnerships to boost its acceptance in Mainland China and Japan, I learned while in Paris that its reach is fairly hit or miss elsewhere. That’s why I’m thrilled to add a no foreign transaction fees Visa to my wallet and save the 3% my other cards charge me on each purchase I make overseas. Cash Back and Gift Cards Beyond Uber Credits As I mentioned, I’m not a huge Uber rider, but what’s interesting about this card is how that branding is nearly inconsequential. In fact, I’d say it’s more about lifestyle than loyalty in this case. However, there are some integrations with the Uber that are helpful, such as being able to view your point balance from the app and cash in your points for rides once you accrue at least $5. Of course, you can also use your points to purchase gift cards or transfer money back to your bank account. But, in order to do this, you’ll need to have at least $25 in points saved up. Steaming Credit and Cell Phone Insurance Next, there are couple of creative perks that the Uber Visa offers: a $50 streaming credit and up to $600 in cell phone insurance. For the streaming credit, you’ll need to pay services like Spotify, Netflix, Hulu, and Apple Music using your Uber card and spend at least $5,000 on the card within a year’s time. Similarly, you’ll be eligible for up to $600 in cell phone insurance after a $25 deductible in the event of damage or theft, but you will need to pay your wireless bill using your Uber Visa. Initial Spending Offer Finally, I actually have an extra feature to mention and that is the sign-up bonus Right now, new Uber Visa cardholders who spend at least $500 on the card in their first three months will receive a 10,000 point bonus, which is equivalent to $100. So because of all of these perks, I honestly think the new Uber Visa is the ultimate credit card for Millennials. I’ve already started using and earning on the card, and even change the way I do a couple of things in order to maximize rewards. For example, I’ve taken to ordering my holiday gifts online in order to get 2% on my purchases and realized it’s better to reload my Starbucks card at the cashier so that I get 4% back instead of the 2% I’d get had I used their app. So, if you're in the market for a new credit card, I'd recommend checking out the Uber Visa from Barclaycard.
Views: 4483 Money at 30
If you're looking to save money on gas, Pay with GasBuddy is a free and easy way to save at the pump. Here's how it works: https://dyernews.com/pay-with-gasbuddy-review/ Signing Up for Pay with GasBuddy and How it Works The first thing you should know about Pay with GasBuddy is that it is completely free to sign-up and start using the service. All you’ll need to do is either select the Pay with GasBuddy option in the app or go to their website to begin the process. On top of basic information like your name, address, and phone number, you’ll also be asked to link a checking account. Keep in mind that the account you select will be the one that’s charged whenever you use the service. After you sign-up, a Pay with GasBuddy card will be shipped to (again — this is all free). To the untrained eye, these look like any regular credit or debit cards except that it lacks an EMV chip or Visa/Mastercard/etc. logo. Before using your new card, you’ll also be asked to create a Driver ID number, which will essentially function as a PIN. Once your card is activated, you’re ready to go. You’ll be able to insert your card at the pump or most stations and automatically save 10¢ per gallon on your first fill-up and 5¢ per gallon after that. Alternatively, thanks to a new partnership with Sears, you can now elect to earn Shop Your Way CASHBACK points instead, earning 30¢ per gallon in points for your first 60 days and 15¢ per gallon after that. These points can then be redeemed at Sears and K-Mart locations as well as online. Using Pay with GasBuddy On their website, GasBuddy says that their service works at most gas stations — calling out a few where it doesn’t work while showcasing logos of a few that do. Since my local station was not explicitly listed, I was very skeptical when I went to insert my Pay with GasBuddy card for the first time. To my surprise, after swiping my card, the pump prompted me to enter my Driver ID. Once that was done, I was good to select my fuel grade and start pumping. Admittedly, at this point, I still wasn’t 100% clear on how Pay with GasBuddy actually worked, so I printed my receipt to keep tabs on the whole process. What I soon discovered was that the price listed on that receipt is not what would end up being debited from my account. Instead — with this being my first fill up — I saved 15¢ per gallon, with the net balance deducted from my checking account (note: Pay with GasBuddy’s site says you get 10¢ per gallon off of your first fill-up, so I’m not clear on why mine was higher). It was like magic! With my first fill-up behind me, I really knew the ropes now — or so I thought. The next station also asked me for my Driver ID but then also asked for an odometer reading. Not wanting to take the time to look at the dead-on reading, I entered a nice, round number and that seemed to work just fine. Unfortunately this may have caused some issue down the literal and proverbial road (more on that later). Finally, something I noticed when using Pay with GasBuddy is that, while some purchases showed up immediately, others took some time to reach both by GasBuddy and bank account. This wasn’t really a problem but it’s something to be aware of (lest you think you made off with a free fill-up). GasBuddies have saved more than $1,000,000 with Pay with GasBuddy The Pros and Cons of Pay with GasBuddy First, the biggest compliment I can give Pay with GasBuddy is that, to my surprise, it was accepted at every station I tried it at. That said I should note that the service is only intended to work at the pump itself and cannot be used inside (even if it is just to pre-pay for gas). As a result, if you only want to pump a certain dollar amount, you’ll have to do it manually. Another feature that’s both a pro and a con is the upgrade to earning Shop Your Way points. At 30¢ gallon back in your first 60 days, you can quickly rack up CASHBACK points on a road trip. Even at 15¢ per gallon, it’s still a pretty good deal. The problem is that these points don’t last forever and expire a couple months after they’re earned. Therefore, if you’re not a frequent Sears or K-Mart shopper, you’ll need to make an effort to use your points on time. Something else that should be noted is that I’ve been unable to find a way to go back to the regular Pay with GasBuddy savings scheme since “upgrading” to the Shop Your Way offer. That said, it’s possible there is a way to make that happen and I’ve reached out to GasBuddy for confirmation. Since this is still a relatively new partnership, I’ll give them a pass for not making it more obvious, but I do hope there is a way to toggle between the two.
Views: 6978 Money at 30
https://dyernews.com/money-at-30-discover-it-credit-card-review/ Are you looking for a cash back credit card that will reward you regardless of what you purchase? Let's discuss the Discover It card, including the pros and cons. It’s now been about two years since I first added the Discover It card to my wallet. Incidentally the card was the first I applied for after deciding I was no longer afraid of credit cards and wanted to maximize rewards from them. So what attracted me to the It card and how does it fit into this goal? Let’s take a look at four things you should know about the Discover It card including some of my thoughts as a cardholder. The first thing to know about the Discover It card is that it offers 1% cash back on all purchases but also has rotating 5% cash back categories One of the reasons that I choose the Discover It card over other options was because it offered a simple, straightforward cashback scheme: 1% back on everything. However, in addition to that, the card also has a rotating slate of quarterly spending categories that can earn you 5% back. As a result, the card proved effective in supplementing my wife’s PNC card that only offers a quarter-percent back on most categories in favor of much greater rewards on things like gas and entertainment. Something to note about these 5% cash back categories is that they do have a spending cap of $1,500. After that, you’ll only receive the standard 1% back. Additionally, you’ll need to activate these offers each quarter. That said, while the recent Capital One commercial has Samuel L Jackson dramatically declare, “then when those categories change, you have to sign up again,” this process is actually as easy as tapping a link in your email, on their app, or on the website. With bonus categories ranging from restaurants to Amazon purchases, it’s worth the minimal effort and makes this card a strong option for cash back. Next up, there are many ways you utilize the cash back you earn with the It card, including the ability to purchase discounted gift cards. When it comes to spending the cash back you earn you the It card, Discover gives you several options. For example, you can choose to use your cash back balance to make purchases on Amazon. Alternatively, you can also purchase gift cards for more than 100 retailers and get a bonus with each — such as purchasing as a $50 gift card for just $45 dollars. Of course, you can also take your cash back as a statement credit, transfer it to a bank account, or donate it to charity — it’s completely up to you. Another great thing about the Discover It card is that it has no foreign transaction fees, although acceptance may be low depending on where you're traveling. Admittedly one of the perks of the It card that initially attracted me was the 0% foreign transaction fees. Unfortunately, on my visits to Paris, I’ve noticed that there are few retailers that accept the card. That said, thanks to partnerships with JCB in Japan and UnionPay in China, acceptance in countries should be far higher. So unless your travels are bringing you to that part of Asia, you might want to carry a Visa card or some cash as a back up. Finally, although the It card doesn’t offer any immediate sign-up bonuses, their current offer will double all of the cash back you earn in your first full year of using the card. While many credit cards tend to offer initial bonuses paid within a few months of you becoming a cardholder, the Discover It card will make you wait a bit longer. However, you could end up seeing a larger reward as a result. Currently, Discover is running a promotion where they’ll double the cash back you earn during your first year with no limit. Essentially, this means that your first 12 months of purchase will earn a base of 2% while your bonus category spending will earn you 10%. Personally, I still have a sizeable cash back balance on hand thanks to this matching offer and the promotion still stands as one of the more unique welcome bonuses. Overall even though I have a couple of other credit cards including my Uber Visa that best my It card for some purchases, I still find myself using the Discover often — especially when it comes to those 5% categories. Even though the 4% back that on dining that Uber visa offers, as I’m making this video, dining is also Discover’s quarterly bonus category. Moreover I’m also looking forward to this holiday season when I can earn 5% back on Amazon purchases. In other words, I’ve found that the Discover It card is worthy of keeping in my wallet even if it’s just for these bonus opportunities… and the novel card design. You might also be interested in my reviews of: Uber Visa card: https://dyernews.com/uber-visa-card-review/ https://youtu.be/DnKnpAfIKgo Square Cash Card: https://dyernews.com/square-cash-card-review/ https://youtu.be/Gxjh8M7hkUQ And bookmark https://dyernews.com/category/reviews/credit-cards/ for future reviews.
Views: 1953 Money at 30
If your new year's resolutions include spending less and saving more, you'll want to check out these 5 personal finance apps in 2018. https://moneyat30.com/8-must-have-financial-tools/ Resources: Dosh: https://link.dosh.cash/YCLI/dgaXJt34OI Video review: https://www.youtube.com/watch?v=L75srrJe3p0 Written review: https://dyernews.com/dosh-app-review/ Mint: https://www.mint.com/ Review: https://dyernews.com/mint-app-review/ Clarity Money: https://link.clarity.com/BJA4Tx77G Video review: https://www.youtube.com/watch?v=cJ7IO78k4xc Written review: https://dyernews.com/clarity-money-app-review/ Credit Karma: http://creditkarma.com/ Video review: https://www.youtube.com/watch?v=47ml28ZgcAA Written review: https://moneyat30.com/what-credit-monitoring-service-is-best/ Acorns: https://www.acorns.com/ Acorns Later waitlist: https://www.acorns.com/acorns-later/ *********************************************************************** With another year gone, how can you start 2018 on the right foot? This year was actually an exciting one for me as I not only started my own financial blog but also launched the channel you're watching right now. As a result, I’ve spent a lot of time exploring a number of apps and services related to the money, credit, and more. So, with 2017 on its way out, I thought it was a good time to share my list of the top 5 finance apps for 2018. Since I’ll be presenting these nominees in no particular order, I might as well talk about the app I reviewed most recently and that is Dosh. In case you missed my full video on Dosh, what you should know is that this app makes it easy to earn cash back from a number of brick and mortar and online retailers. I’ve been impressed with how efficiently Dosh pays out once you make a qualifying purchase as well as with how generous their bonuses for linking cards and referring friends have been. Needless to say, I’m looking forward to using Dosh more in the coming year Next up is an app you’ve likely heard of given it’s popularity and that is Mint Like I said, Mint is probably the most well-known personal finance and budgeting app on the market, and for good reason. While the desktop site for Mint is actually superior to the smartphone app, there’s still plenty to like about the mobile version. For example, you can easily view upcoming bills, see how your spending breaks down, and see how you’re doing in terms of your budget — all of which can come in handy when working on your finances. While Mint boasts a number of great features, I like to supplement the app with my #3 pick: Clarity Money As powerful as the Mint platform is, I actually prefer using Clarity Money thanks to it’s well-designed feed format and eye-pleasing color palette. Additionally, with built-in abilities like canceling unneeded subscriptions or setting up automatic savings, Clarity has certainly earned its spot on my smartphone. Moving on from cash to credit, my fourth pick is another biggie and that is Credit Karma. Earlier this year, I put Credit Karma up against competitors WalletHub and Credit Sesame and compared them in a number of areas. Credit Karma ended up being the overall winner partially because it offers two educational scores instead of one and also because of its additional features. This includes their Credit Score Simulator and their unclaimed funds finder. Finally, rounding out my list is an app I intended to get back into in 2018 called Acorns The idea behind Acorns is rather brilliant: round up your various transactions to the nearest dollar and invest the spare change. Beyond that initial idea, Acorns has evolved to include what they call “Found Money” offers, akin to Dosh’s cashback model. It should also be noted that the app is currently working on offering a retirement savings product called Acorns Later, which is currently accepting waitlist sign-ups. With that, I hope these apps come in handy and help you achieve your financial resolutions for 2018. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 30517 Money at 30
https://dyernews.com/long-game-review/ Are you looking for a way to make saving and setting aside money less of a drag? Well in this video we’re going to take a look at Long Game and the various ways it rewards you for good financial habits. Long Game: http://share.longgame.co/refer?referral_code=WXGYKY In recent years, a big trend in personal finance has been gamification. This typically means offering different money challenges that people could participate in as a way to build their savings. But now the app Long Game taken the gamification concept to an entirely new level, encouraging users to save by rewarding them with the opportunity to play various games of chance — and maybe even win some extra cash. Before we get into that, let’s take a look at the 4 things you should know about Long Game including how it all works. The first thing to know about Long Game is that using it will require you to open a savings account within the app When joining Long Game, you’ll also be opening a savings account. Because of this, you will need to offer up some sensitive information like your social security number. However, it should be noted that these savings accounts come via a partnership with Blue Ridge bank and funds are FDIC insured. Additionally, these accounts are interest-bearing, carrying a 0.1% APR and interest compounding monthly. Once you have your account set up, the next thing you’ll want to do is select a savings plan. Luckily there are several options for doing this: The next step is getting started with Long Game is to link a funding source like a checking account and select how often you want to make transfers. You can elect to have any amount over $5 contributed on a weekly, monthly, or twice monthly basis and also select what day of the week or date of the month you want transfers to occur. As a result, you can even time contributions to your paycheck schedule to ensure you’re not overdrafting your account or anything. Speaking of overdrafts, Long Game will send you a reminder email the day before a transfer is scheduled and you choose to skip an upcoming contribution by visiting your AutoSave settings. For longer-term changes, you can always alter your savings schedule as well. Lastly, you can make additional one-time contributions to Long Game as well. Once again, these transfers just need to be over $5. As for the fun part, Long Game offers a number of different mini-games for you to play, allowing you to win additional coins, cryptocurrencies, or real cash. Simply put, the more you save with Long Game, the more coins you’ll earn to use in the app. Moreover, you can also level up by continuing savings streaks, referring friends, checking in daily, and more. Leveling up will result in various rewards, including cryptocurrencies. Coins can be used to play a number of mini-games in the app, which cost as little as 5 coins to play. However, if you want a chance to scoring real cash, you’ll be looking at a per-game cost of at least 60 coins for games where you can win up to $100. Any winnings you do get will then be added to your account balance. It’s important to note that at no time are you gambling with your actual currency. Instead, games can only be played using coins. Similarly, the only way you can get cryptocurrency is via Long Game’s Crypto Rewards or Crypto Spin game as they cannot be purchased in the app. Finally, while Long Game does incentivize you to save and keep your streak going, it’s important to know that you are able to withdraw from your account at any time If an emergency should hit, it’s nice to know that to can cash out your Long Game savings and transfer them back to your bank account. That said, this process can take three to five business days and only funds that have already cleared are eligible to be transferred. Because of this, it’s definitely a good idea to have a separate emergency fund and rainy day fund on hand that you can access more quickly. But, if you do need to tap your Long Game savings including any winning you may have, you can certainly do so.
Views: 982 Money at 30
https://moneyat30.com/top-5-tips-for-writing-publishing-book/ Are you considering writing and publishing your own book? In this video, I share my top 5 tips – spanning the entire process — to get you thinking about your project and hopefully answer some questions you have about self-publishing. Resources: https://moneyat30.com/top-5-tips-for-writing-publishing-book/ Write, Print, Publish, Promote: https://www.amazon.com/dp/B074P9M6VJ/ref=sr_1_1?ie=UTF8&qid=1502306481 *********************************************************************** Tip #1: Create a Book Proposal for Yourself If you’re pitching a non-fiction book to a potential publisher, more often than not they’ll ask you to submit a full book proposal for your project. Typically this will include a basic overview of the book, what markets you’ll be looking to target and the size of said markets, a list of titles you’d be competing with, and a detailed outline about what each chapter will contain. I actually put all of this and more together while I was writing my book The E-Ticket Life and found that going through this process actually helped me flesh out my book idea and made it easier for me to complete my manuscript. For that reason, I’d recommend anyone prepare a book proposal just for their own use. Having a solid outline will make writing your book easier as it provides you a road map and could even allow you to skip around if you please. Meanwhile, doing the research on markets you want to reach and what books might be similar to yours can come in handy when it comes time to promote your finished product. Tip #2: Try DIY I am consistently amazed at how many free resources there are on the Internet and elsewhere for people to learn just about any skill they’d like. In my case, I made the decision that I wanted to take a stab at laying out my own book instead of hiring a professional to do it for me. Admittedly, this plan was derived from equal parts thriftiness and thirst for knowledge, but I ended up creating something I was really proud of. Before deciding to tackle the interior design of my book, I had never used Adobe InDesign. In my research on book design I found many sources saying InDesign was a popular option for professionals. Of course, these same users advised that it was not a program beginners should attempt to use for their own books. Clearly I ignored that advice and instead downloaded my free trial and sought out a few tutorials on YouTube. Little by little, I was able to put all the elements in place to create my book… although it did take some patience on my part. Since then I’ve convinced a couple of friends to take on the same task for their books and they’ve been very pleased with the results. Tip #3: Invest in ISBNs When I published The E-Ticket Life, Createspace not only offered the same free ISBN that they currently do but also sold a $10 upgrade to a “custom ISBN,” allowing you to use your own publishing imprint name to appear on Amazon and other sites. Sadly, that deal is now deceased and authors who wish to list their own publishing company will need to purchase ISBNs. This is a real bummer as just one ISBN currently goes for $125. That said, you also have the option to purchase 10 ISBNs for just $295. Therefore, if you have any intention of writing more books or releasing different editions of your title (each edition needs its own number, including audiobooks), it definitely makes sense to invest in the 10 pack. Tip #4: Make it an Ebook These days, more and more readers are consuming content on e-readers and tablet devices. As a result, you should strongly consider creating an ebook version of your printed book or perhaps even just making your title an ebook exclusive. First, the costs of creating an ebook are typically far lower than creating a physical book — there are even ways you can even convert a Word file into an ebook within minutes. Even better, since printing and shipping aren’t factors in ebooks, they also provide authors much better margins. In fact, depending on how you price you book, you can retain 70% of the list price (minus a “delivery fee” based on file size) when your ebook is sold on Amazon. Tip #5: Find Partners to Contests Once your book (and/or ebook) is ready to reach the world, you’ll want to brainstorm ways you can get the word out and drive sales. One popular way of doing this is to create contests where you give away free copies of your book as prizes. Of course, while you can certainly run your own contests through social media or your website, often times partnering with others can have a much greater effect. For example, since The E-Ticket Life was all about the Disney theme parks, I reached out to some Disney fan podcasts to see if they’d like to give away copies of the book on their show. This gave me an easy way to reach my target audience and only cost me the price of a couple of books and shipping.You can also try websites or social media influencers.
Views: 1424 Money at 30
Are you headed to Walt Disney World but can't afford to stay on property? See if the Caribe Royale could be a good option for your next trip. https://moneyat30.com/7-tips-for-saving-money-on-your-disney-parks-vacation/ Located on World Center Drive, the Caribe Royale Orlando is just a few minutes from the Walt Disney World Resort. Booking at the last minute, I was able to get a room at the hotel for an average of $123 a night plus tax on Priceline. However, a $25 per night resort fee and $10 per night self-parking fee are paid upon check-out and are not included in the Priceline total. So how was the Caribe Royale? Here were some of the pros and cons: ***Pros*** Mini-fridge and microwave Each room at the Caribe Royale includes a mini-fridge and microwave, giving you the ability to prepare simple meals or reheat leftovers. Moreover, the mini-fridge was actually quite sizeable, with plenty of room for snacks, sodas, and more. These appliances really came in handy and helped us avoid spending money to eat out or wasting food. Also included in the room is a coffee maker and free coffee. However, watch out for the Fiji waters kept near the coffee maker as these cost $3 each. Suite Layout Another major perk of the Caribe Royale is that all of the rooms are suites with separate living rooms and bedroom. There's even a closing door in between the two areas. This was great for allowing the two of us to work, but I could also see these being a lifesaver for families as some can rest while others watch television in the living room. WiFi Speaking of working, I was pretty impressed with the speed and reliability of the WiFi at Caribe Royale. Granted, we didn't try to stream anything so I can't speak to how that would perform. Additionally, your signal strength may vary depending on where your room is located. Still, the best part about the WiFi is that is was free! Location Finally, the Caribe Royale was a straight shot from Disney property, making it easy to hit the theme parks and Disney Springs area. If you don't have a car, they also offer shuttle service, although we didn't get to try this out this time around. ***Cons*** Fees The first downside to the Caribe Royale is that they charge a $25 per night hotel fee and a $10 per night self-parking fee on top of what you pay via Priceline or other travel sites. That said, even with the extra fees, it was still cheaper than most Disney rooms. Plus, with Disney World now charging $13-$24 for overnight parking, the Caribe Royale's parking fee isn't so bad. Design While I do love the suite layout, the truth is that the Caribe Royale's rooms could use some updating. Featuring a lot of greens and browns, this wasn't exactly the most attractive room I've ever stayed in. Another minor design-related gripe I have is about their elevator banks, which make a V shape. Since all four elevators operate from one button, you never knew which side your elevator would be on, with the distance between the two sides often proving a bit far. I guess the moral of the story is to wait in the middle and be ready to hustle. Parking Given the popularity of this resort, parking also seems to be a bit of a problem. Although it seemed plentiful during the day, come 9 or 10 pm it was difficult to find a spot near our tower. Thus, we found ourselves having to hike back to our car in the morning and reparking it before carrying down our luggage and checking out. *********************************************************************** All in all, I do think the Caribe Royale offers a good value and is a strong option for families or individuals visiting Walt Disney World.
Views: 3883 Money at 30
https://moneyat30.com/global-entry-review/ Are you considering applying for Global Entry and wondering what it's all about? Let's take a look at what you need to know about the program. If you’ve ever returned from an international trip and wondered what the special kiosks that only a few people may have been using were for, chances are the answer was Global Entry. Moreover, you may have seen this name and presumed this program was only available to special elite status members or perhaps even government officials. In reality, Global Entry is relatively easy to join and comes with a number of benefits. But is it worth it? Let's take a look at four things you should know about Global Entry to help you decide if the program right your for. The first things to know about Global Entry is that it currently costs $100 for five year but it does also include TSA Pre✓ Applying to join the Global Entry program will require a $100 non-refundable fee. If approved, your membership will last for five years. However, one great perk of Global Entry status is that also makes you eligible for TSA Pre✓ While $100 may sound a bit steep, it should be noted that TSA Pre✓ on its own costs $85 for the same 5-year term, so the upgrade could actually be a good deal if you intend on traveling abroad. Next up, obtain Global Entry status will involve an approval process that includes both an online application as well as an in-person interview As I mentioned, obtaining Global Entry will require approval by U.S. Customs and Border Protection. To start the process, you’ll first need to set up a Trusted Traveler Program account. This might seem like a pain at first, but having this account will allow you to resume working on your application in the event you get interrupted. When applying for Global Entry, you’ll be asked to provide such information as your passport number, residential history, employment history and more. Once the online portion of your application is complete, it can take a few weeks before you’ll be cleared to move on to the next step. Before you can officially gain your Global Entry status, you’ll need to schedule an in-person interview where you’ll speak with a CBP officer, have your fingerprints scanned, and gain final approval. These interviews are conducted at select international airports, so you’ll want to check the CBP site to see where you’re nearest location is when scheduling your appointment. Alternatively, some airport will allow for Enrollment on Arrival. This means that those who have obtained conditional approval can complete their in-person interviews when returning to the U.S. Of course, if you choose to go this route, you’ll want to make sure you have plenty of layover time so you don’t miss your connection. Once approved for Global Entry, you’ll want to make sure you have your Known Travel Number handy to add to travel reservations you make Your known traveler number is how you’ll be able to utilize the TSA Pre✓perk that comes with Global Entry. Because of this, you’ll want to provide this number to airlines when you’re making reservations. Be aware that, in order to use the TSA Pre✓queue at the airport, your boarding pass will need to say TSA Pre✓on it. To ensure that this happens, you’ll need to confirm that the airline has your Known Traveler Number and that your reservation name matches what’s on your passport. Finally, when arriving back in the United States from traveling abroad, you’ll want to follow signs for Global Entry and utilize the special kiosks in order to expedite your reentry. While most passengers returning to the U.S. will need to fill out customs forms and wait in a line for processing, Global Entry members can utilize special kiosks at select airports that will allow them to scan their passport and fingers, answer a few questions, and be on their way. My wife recently got to try out her Global Entry status for the first time when returning from Paris and said she literally experienced no wait. As a result, she estimates she saved at least half an hour in line. Having waited in some long, slow-moving lines when attempting to re-enter the U.S., I’m very much looking forward to trying Global Entry after my next international trip. Overall, Global Entry and TSA Pre are unlikely to save you money but it could definitely take you time and stress when traveling both abroad and domestically. Honestly, if Global Entry cost $100 on its own, I probably wouldn’t be inclined to recommend it, However, the inclusion of TSA Pre✓ privileges definitely makes it worth it to me. The ability to keep your shoes on and leave laptops and 3-1-1 liquids in your bag makes passing through security far less stressful and complicated. Considering that Global Entry is only $15 more than TSA Pre✓, the upgrade should be a no-brainer for anyone expecting to travel overseas during their 5 year membership term.
Views: 814 Money at 30
I recently had the chance to fly on the budget airline Allegiant and decided to review my experience, including a look at the booking process and what fees to expect. https://dyernews.com/allegiant-air-review/ With Allegiant being a “no-frills” airline, the experience of booking and traveling with them is a bit different from the big guys.Here’s what you need to know before booking your Allegiant Air flight. Choosing your seat After you select your flights, made it through the additional services sections, and entered your traveler info, the next step in the Allegiant booking process is to select your seat — or not. Unlike many carriers, Allegiant’s system allows you to either pre-select a seat and incur an additional fee or have a seat assigned to you at check-in without a fee. Additionally the various seats have different values assigned to them. For example a window seat at the front of the plane with extra legroom might be close to $30 while a middle seat toward that back of the plane might only be $12 or so. Luggage and priority access Another big difference between most major carriers and Allegiant Air is that, with the latter, you will need to pay to travel with a carry-on item. That said they do allow you to travel with a “personal item” — such as a backpack, purse, or a messenger bag — as long as you stow it under your seat. In other words, if you want to be able to store your item in the overhead, you’ll need to pay up. Naturally there are also fees in place for checked luggage as well. The bag fees that Allegiant charges can also vary on a number of factors. For one they advise that rates are far lower when you pay your luggage fees in advance, rather than wait until you’re at the airport. These fees can also depend on where you’re flying to. In my test case, a carry-on would cost $18 each way while each item of checked luggage would add $25 to the fare. Apparently each of these fees would go up to $100 if done at the airport. Speaking of luggage, perhaps the most stressful part of flying for me is worrying about finding overhead bin space. Heck I presume that’s a large part of the reason why frequent travelers pine for elite status and the right to board the plane early. With Allegiant, such status can be purchased for just a few dollars. In my case I was able to purchase priority access boarding — which gets you on the plane after the typical preboard — for $6.49 each way. Flying with Allegiant When it comes to Allegiant Air, the differences from major carriers don’t stop with the booking process. In fact some of the most noticeable differences come when you arrive at the airport and board your flight. The seats Allegiant’s fleet is outfitted with leather seats that, to me, appeared to be a bit thinner on padding than most airline seats I’ve experienced. Meanwhile the legroom in my standard seat seemed about normal and posed no issue. However it should be noted that I am not a large man, neither in weight or height, so unfortunately I’m not really the right person to fully assess the comfortability of Allegiant’s seats. Still, for my less than three-hour flight, I was content. Food and beverage If you’re one of those travelers that can’t wait to hit cruising altitude so you can get your complimentary tomato juice, I have some bad news for your regarding Allegiant. While the airline does offer a number of snack and beverage options while on board, each of these comes at a price. For example cans of Coke go for $2 a pop (pun intended). Each of these purchases can be made with a credit card as they do not accept cash. In short, if you want to munch or sip during your flight, you might want to pack some snacks and fill a water bottle before boarding. My Impressions and Thoughts on Flying Allegiant Overall I have to say that my experience flying Allegiant was quite positive. For one, even with the additional fees and upgrades (some of which I could have avoided), my total was still $250 less than flying Delta — and was direct (well, it was a longer Uber ride from Sanford than MCO, but still). Furthermore, as I’ve been monitoring Allegiant’s flight prices, I’ve seen tickets from Springfield to Sanford going for as little as $63 each way! As far as traveling on a budget airline, considering that I’m not big on eating or drinking while in flight and don’t have many leg room requirements, there was really nothing for me to dislike about my flights. That said I will say there was some noticeable wear and tear along with some dinge on the plane, but nothing rising to the level of being a turn-off. To conclude, I’m definitely interested in flying Allegiant Air again and would likely purchase the same upgrades as I did this time around — although I might forgo a carry-on if I’m taking another short trip. On the other hand it’s nice to know that some of these add-on fees can be passed over if I so choose. For that reason I’d recommend checking out Allegiant the next time you need to fly.
Views: 10839 Money at 30
In this step-by-step overview of Adobe InDesign, I'll walk you through a real book spread I created using the program and offer tips for laying out your self-published book. Note: The version of InDesign shown is InDesign CC 2017. Topics covered include: -Setting up a document -Adding images -Selecting fonts -Adjusting spacing -Placing text from Word -Fixing text issues -Customizing style -Templates -Headers/footers *********************************************************************** When you look at the inside of a book, you’ll notice it’s more than just words randomly strewn on a page. In fact you may have never actually realized how much blank space is on each page, allowing you to hold the book without covering up any text. Then there are images, headers and/or footers, and other stylistic additions that must be chosen carefully. All of these elements will make up the interior design of your book and will need to be considered. There are several different people you could hire to help you layout your book, ranging from typesetters to formatters to designers. Meanwhile others might dabble in a bit of everything to complete your full interior. Either way you may decide to hire a freelancer or simply look into some of the added services provided by CreateSpace, Dog Ear, and others. However there is always the option to give it a shot yourself. Admittedly laying out your own book is a large task and can be time-consuming. There is also a lot of room for error, which is why you can surely find plenty of articles on the Internet advising you not to even attempt it. However, as someone who designed his own book interior, I say give it a chance. Of course this isn’t to say that my interior is perfect by any means, but I was very pleased with what I was able to do considering how little I spent. The first step if you want to design your own book interior is to download a program called InDesign. This Adobe program typically gives you a free seven-day trial to play around and see if you have what it takes to finish the job. From there a series of YouTube videos should help give you a basic idea of how the program works, allowing you to customize the look of your layout. Since you will likely need more time after your free week, Adobe also offers monthly subscriptions that will allow you to keep the full program for $30 a month (less if you pay for a full year). Again I will warn you that this is an advanced program and may prove too difficult, especially if you’re not very tech savvy. However I do honestly think it’s worth at least trying. After all the first month is free and, if nothing else, perhaps you’ll be able to work up a sample to show whomever you do eventually hire what type of look you were going for.
Views: 2135 Money at 30
https://dyernews.com/robinhood-review/ Are you looking to get started with investing but don’t want to spend a ton on fees and commissions? If you’re new to the world of investing, it can not only be difficult to know where to start, but you might also get discouraged by things like commissions and fees you usually need to pay in order to trade stocks. That’s where Robinhood comes in. Plus, thanks to recent expansions, there are now several ways to invest your money using the app. Before we get into the different investment features, I first want to talk about Robinhood’s sign-up process Like with many other finance apps, joining Robinhood will require you to enter personal information, including your social security number. However the sign-up process is a bit more extensive than you may be used to and it can take a few days for your application to be completed. For example, beyond the normal application, you’ll also need to take a photo of your I.D. Another note is that Robinhood will need to view your Experian credit report as part of the application process. Because of this, if you’ve frozen your reports like I have, you’ll be asked to temporality thaw your credit. That said, it seems Robinhood only does a soft pull on your credit, which shouldn’t affect your scores. Finally, when signing up you’ll be asked to link your bank account for funding your trades. This can be done by logging into your bank’s online service or manually entering your routing and accounting numbers. Once your application is completed, you’ll be ready to fund your account and start trading. Now that you’re ready to trade, the first thing you can invest in using Robinhood are stocks and ETFs Robinhood allow you to monitor, buy, and sell a number of stocks and ETFs. In terms of buying, you have a few different options for executing your order. For example, putting in a market buy will allow you to buy shares at the current price while placing limit orders will enable you to buy a stock if it falls to a certain price. Limit orders can either be set to expire the next day or until canceled. In terms of selling, you have similar options for triggering trades based on whether the price per share goes up or down. That said, I’ve only personally experienced buying stocks on Robinhood and have yet to sell. Next up, is an investment option that Robinhood only recently started offering and that is cryptocurrencies Earlier this year, Robinhood Crypto was announced, allowing users to buy and sell both Bitcoin and Ethereum without any fees. On top of trading those two currencies, you can also get real-time pricing for several other coins as well. Like with stocks, Robinhood offers both market and limit orders for crypto — both buying and selling. One downside is that the app does not currently offer the ability to remove your crypto coins, meaning that, in order to spend your Bitcoin or Ethereum, you’ll need to sell them for dollars first. However Robinhood says they are working on a way to move your cryptocurrencies and it’s also worth noting that Robinhood Crypto is still only available to users who join the early access waitlist. Another new feature Robinhood is currently rolling out is the ability to trade options This is actually a feature I only recently got access to and have to try for myself, but Robinhood now allows users to buy and sell select options. For newbies, the app even explains the basic concepts for puts and calls and you can view option pricing by expiration date. Like I said, this is one part of the app I have yet to explore in-depth, but it’s nice to know that, as you learn the investing ropes, you have some room to grow while still using Robinhood’s free platform. Given these different features, I really do feel like Robinhood is a great way to get started investing Compared to other beginner investment options like Acorns and Stash, I have to say that I prefer Robinhood — partially because it’s completely free to use. That said, unlike Acorns where you can invest just a few dollars, you’ll likely need a bit more cash with Robinhood since you can’t buy partial shares. Of course, there are stocks that don’t cost a ton per share and, with cryptocurrencies, you can purchase about any amount you want. Because of this, if you’ve been thinking about investing your money, signing-up for Robinhood could be a good first step. As always, just be sure not to invest any money you can’t afford to lose. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 749 Money at 30
Do you have renters insurance or even know what it is? Here are 5 things you need to know about renters insurance policies and why every renter should have one. According to often cited survey, only about 40 % those who rent their homes have a renters insurance policy. In contract, 96% of homeowners carry insurance. This begs the question why there’s such a discrepancy. In my opinion, it seems that the reason most people don’t have renters insurance is because they don’t fully understand it or its benefits. With that, here are 5 things you should know about renters insurance policies. 1) The first thing you should know about renters insurance is what types of events and incidents it covers you against. Most renters insurance policies will protect you from various damages and thefts. This includes losses resulting from wind storms, fires, vandalism, and more. However, some events that aren’t typically covered include floods and earthquakes. That’s why you’ll want to double check the terms of your policy and see if additional coverage may be needed. 2) Something that most people don’t realize about renters insurance is that your items don't need to be in your home at the time that they’re damaged or stolen in order to be covered. While you might assume that renters insurance policies wouldn’t apply to items you take outside of your home, that actually isn’t the case. In fact, a major misconception about renters insurance is that it’s covering your home when in reality it’s covering all of your items. For me, this aspect of renters insurance is what really makes it worth it as it protects from a vast number of issues and could prevent heartbreaking situations from becoming bank-breaking ones. So whether your luggage is stolen while you're on vacation or your laptop gets damaged at the cafe, you can rest easy knowing that your policy will likely reimburse you. 3) Speaking of reimbursement, when you’re purchasing renters insurance, you want to know if your policy pays actual cash value or replacement value on claims. There are two main types of renters insurance policies: those that pay out actual cash value and those that offer replacement value. While actual cash value policies may be cheaper, this means that your reimbursement will factor in things like depreciation and condition. In other words, you’ll get less cash on your claim. However replacement value policies will pay out what the claimed items would cost you to purchase new, meaning you won’t have to pony up anything extra. That’s why, if possible, I’d recommend searching for a replacement value renters insurance policy. 4) Now that you have a better idea of how renters insurance works, it should be noted that these policies are fairly affordable when compared to other types of insurance. Perhaps the most surprising thing about most renters insurance policies is that they don’t cost as much as you might think. According to ValuePenguin, some areas offer basic policies for as little as $10 a month while more storm-prone cities average closer to $20 a month. Obviously these prices can vary depending on a number of factors, but overall they typically present a good value. 5) Finally, as affordable as renters insurance already is, you may be even to save even more on your policy in a few different way. One popular way of saving on your renters insurance policy is to bundle it with your auto insurance. In most cases, you can save a significant amount by going this route. Speaking of auto insurance, just your premium may be lower if your car has certain safety and security features, the same is true of some renters insurance policies. Finally, if you to save money now but possible pay more down the road, there’s always the option to select a policy with a larger deductible. Just keep in mind that while this will lead to a lower monthly premium, it does mean you’ll have to pay more out of pocket should you need to file a claim.
Views: 290 Money at 30
Is it better to buy or lease a new cell phone? The answer can depend on your situation and a few different factors like the three we'll look at in this video. https://moneyat30.com/should-you-buy-lease-or-finance-your-next-smartphone/ Resources: Should You Buy, Lease, or Finance Your Next Smartphone? https://moneyat30.com/should-you-buy-lease-or-finance-your-next-smartphone/ Unlocked Phones One big difference between financing your phone and buying it outright is that, unless you pay in full upfront, your phone will be locked. This just means that the device can only be used on a certain network, thus preventing you from taking a phone you still owe money on and taking it to another carrier. However, once your device is fully paid for, you can request to have it unlocked. For most people, having an unlocked phone isn’t exactly a necessity. On the other hand, if you don’t want to be tied to a certain carrier, you might consider paying in full. Another important note is that, as I’ve mentioned in some of my travel posts, you can sometimes save some money on cell phone service by buying international SIM cards. Unfortunately, this plan will only work if your phone is unlocked. Financing vs. Leasing To be sure, there is a difference between simply financing a new phone and leasing one. In a financing agreement, you’ll likely be making monthly payment that will eventually add up to the phone’s total cost, at which point you’ll own it free and clear. On the other hand, like with leased vehicles, your device will need to be returned once the contract terms end. Adding to the confusion, some of the programs that various carriers offer are blurring the lines between these two concepts. For example, AT&T Next allows customers to purchase phones, make monthly payments based on the option they choose, and trade it in for an upgrade after a certain length of time. Alternatively, you could forgo your “early upgrade,” continue making your regular payments (or pay it off early), and keep the device. What is the Best Way to Purchase a New Smartphone? The Argument for Financing Smartphone financing is popular for a number of reasons. Chief among them is the fact, in many cases, this financing comes with 0% interest, meaning that you’re spending the same amount whether you pay upfront or have monthly installments. Because of this arrangement, many (but not all) would argue there’s no reason not to finance your phone under these terms if you wanted to buy instead of lease. The Argument for Paying in Full What’s ironic is that many cell phone shoppers used to balk at the idea of signing a two-year contract to get a new phone, yet so many are still locked into telecom agreements because they’re financing or leasing their device. If you truly want to be untethered from a network and don’t want to have to worry making monthly payments, it may make sense to just pay in cash (not literal cash as you’ll want those credit card rewards) upfront. The Argument for Leasing On the surface, it may seem that the reason people would prefer to lease their phones instead of buying them is simply because they always want to have the shiniest new toys. That may be a main factor, but it’s also about how you use your phone and will continue to use your phone in the coming years. To some, there’s just little or no value to a phone after a few years, so trading it in actually makes more financial sense. There’s also something to be said for having the latest model cell phone beyond the bragging rights and tech envy. As smartphones become the primary device for many of us, hackers are consistently discovering new ways to break into them. Thankfully, companies like Google and Apple are pretty quick to patch these problems with software updates but, if your phone is too old, you may no longer to receive such updates, potentially leaving you vulnerable. That may be a stretch to some, but is a considerable concern for others. Which Argument is Right? Well — it depends. For those who need a new phone and may not have the $700+ dollars on hand to buy one, monthly payments may make sense. Meanwhile, international travelers or those who don’t want to be tied to any network may opt to pay in full. Finally, if you don’t plan on using your phone for long and want to ability to upgrade to that latest model as soon as it hits the market, leasing might be worth the price. Over the past few years, the way many Americans pay for their cell phones has changed drastically. While a $200 smartphone with a two-year contract may no longer be an option, you now have the choice to finance your phone, lease one, or simply pay for it in full. No matter what you choose, just be sure that your plan is one that you can honestly afford and that makes financial sense for your situation.
Views: 4492 Money at 30
https://dyernews.com/tanda-app-review/ Yahoo Finance's new app Tanda can help you save up your money or even offer you a loan — but there are a few things you should know before deciding to sign up. UPDATE: Tanda has announced that it will be shutting down starting May 29th. While I didn't expect the app to last too long, this was a bit sooner than I thought. A few months ago, Yahoo Finance launched a new app called Tanda, which takes its name from the Latin American name for rotating savings and loans associations or ROSCAs. Under this set up, each member of a tanda circle contributes an agreed upon amount of money which is compiled into a pot. Then, that pot is delivered to one person in the tanda based on their position in the circle. As a result, those earliest in the tanda rotation can utilize the money as a loan while those in later positions are essentially using the app to help them save. While the concept itself is nothing new, Yahoo attempt the bring the idea into the 21st century, allowing you to either organize your own private tandas digitally or joining with strangers. With that, here are three things you need to know about Tanda as well as a few other thoughts I have on the app. Linking a Bank Account Joining Tanda is not unlike signing up for other personal finance apps, requiring you to enter some basic information as well as the last four digits of your social security number. However, before you can participate in tanda and join circles, you’ll need to confirm a U.S. bank account. To do this, you’ll either be asked to input your online banking username and password or Tanda can make a set of microdeposits to your account for you to confirm. Be aware that while option one will give you access to the app nearly instantly, the second option can take one to three business days. Once you complete these steps and join your first circle, contributions will automatically be initiated on the day they are due. In my experience, this deposits can take a few days to fully clear, but they’ll still be counted as on time as long as they were initiated on the correct day. Building Your Trust Score After your first on-time contribution clears, you’ll also be awarded the first points in your Trust Score. By raising you Trust Score, you’ll be to join tandas with higher dollar amounts down the road and access earlier position in the circles. As a new user, you’ll be limited to tandas with payouts of $250. Fees and Bonuses As mentioned, those in early tanda positions are most likely using the payout as a loan. Because of this, Yahoo charges a fee for the first two payout positions. If you’re in the first position, 8% will be deducted from your funds and those in the 2nd position will be assessed a 7% fee. On the other hand, if you don’t need money right away, you can earn a bonus on your contributions by volunteering to be the last position in the tanda. Those in the final position will have 2% added to their payout. These are the only positions that have fees or bonuses associated with them. All other position payouts are equal to the tandas set limit and there are no fees for these middle positions. Now that you have an overview of Tanda I want to talk a bit about my thoughts on the app and how it could be improved At the very least, I find it interesting that Yahoo to decided to adapt such an age-old idea for the digital age. That said, in doing so, they also defeated part of what made these arrangements popular. Namely I’m referring to the 8% and 7% fees the app charges to those in the first two positions. While this may be cheap by some loan standards, it could still be a turn off to some potential users. In my case, the only reason I wanted to try Tanda was to take advantage of the 2% bonus paid to those in the last position. Unfortunately, snapping up one those spots wasn’t exactly easy and it took me a few days to find a circle with my desired position available. Furthermore, Tanda’s search options are limited and it would be nice to have a filter function to help users like me find their desired spot. Considering that I’m still in the middle of my tanda, I can’t speak to how every aspect of the app works. This includes not yet knowing how long it takes to receive payouts after they’re initiated. However, if the amount of time it takes contributions to clear is any indication, this is one area where there’s definitely room for improvement, With these and others issues, it’s hard to say if Tanda will have much staying power, but in the meantime, I’ll happily take my 2% return. For more money management product reviews make sure to visit https://dyernews.com/category/reviews/money-management-reviews/ and for all my personal finance app reviews https://www.youtube.com/playlist?list=PLFfM5Lf816alBbvzGubm4OJskddfxTtCZ
Views: 1293 Money at 30
https://dyernews.com/privacy-com-review/ Are you worried about shopping online and potentially exposing your credit card info? Well in this video we’re going to be looking at the free service Privacy.com and their proposed solution to this problem. Privacy.com: https://privacy.com/join/CFBZS If you’re anything like me, you probably do a lot of your shopping online. In addition to the convenience that this often offers, thanks to price comparison tools, coupon code sites, and other tools like eBates, online shopping can also save you money in many cases. However the one downside is you do run a higher risk of your data being exposed should one of the online merchants you’ve frequented experience a breach. Enter Privacy.com and their free service that allows you to create proxy card numbers for your online purchases. Personally, I first heard about Privacy.com right here on YouTube while watching the Philip DeFranco show. Pretty much right after seeing that, I knew I needed to try out the service for myself and see what some of the pros and cons were. With that, here are 5 things to know about Privacy.com, including how it works and how it could potentially protect your money. The first thing or things to know about Privacy.com is how you can add funding sources and create new cards As I mentioned, it’s free to sign for Privacy.com and, once you do, you can link a bank account using the Plaid API you may recognize from other personal finance apps. Once a funding source is linked, you can create custom cards that are either merchant-specific or so-called burners you’ll only use once. To help you tell your different cards apart quickly, you can even select from a collection of popular brand logos to include on your card. Then, all of your current cards are displayed in your Wallet section, making it easy to utilize them when needed. Some of the benefits of Privacy.com are that you can not only mask your actual credit card info when shopping online but can also protect how much you’re being charged for recurring services or free trials. By using Privacy.com’s proxy card numbers, you can rest easy knowing that, if an online merchant were to be hacked, your real credit card numbers would not be exposed. While that’s the main advantage of the service, it’s far from the only one. For example, if you’re looking to sign-up for a free trial, you can set up a Privacy.com card to ensure that you’re not charged after you cancel. Similarly, you can set per-charge, monthly, or yearly limits on your Privacy cards to prevent being overcharged. This way, whether it’s due to a fraudulence, technical error, or price hike, you’ll be alerted that something is wrong instead of your money quietly disappearing. Next, in addition to visiting the site itself. there are also a few other ways you can utilize your Privacy.com cards, including a Chrome browser extension and their mobile app Although visiting the Privacy.com site to review recent transactions, create cards, and copy card number is simple, the service also offers a Chrome browser extension that makes it even easier. When you install the extension and click the button in your toolbar, you’ll get quick access to your Privacy.com wallet. Additionally, on some checkouts, you’ll notice that a Privacy.com icon will pop up, allowing you to select or create a new card and have it autofill the details. I should also mention that Privacy has a mobile app so you can utilize your cards when shopping on any device One of the few downsides of Privacy.com is that they currently only allow you to add funds via a bank account, meaning that you won’t be able to take advantage of credit cards rewards. Sadly, keeping your card info private may also mean passing up on some of the rewards your credit cards may offer. That’s because your funding sources can only be bank accounts, with debit cards and credit cards not currently supported. Honestly, while this understandable, it’s a huge bummer for me — especially I earn 2% back on all online purchases using Uber Visa card. C’est la vie. Finally, it’s worth mentioning once again that Privacy.com is a free service and you can even earn a $5 shopping credit when you sign up and each time you refer friends. In case you didn’t catch on before, Privacy.com is free to use. Even better, you currently earn a $5 credit when referring friends to the site using your custom link and they’ll receive a $5 credit as well (pssst my link is in the description box below). To earn this credit, those you refer will need to sign-up and make their first purchase. Then, you can spend your credit by using any of Privacy cards. Furthermore, you can also unlock a month of 1% cashback on your Privacy.com transitions by referring a certain number of friends. So while this may not make up for the lack of credit card rewards, it is a nice added bonus that Privacy.com offers.
Views: 2715 Money at 30
Are you looking for a side hustle but don’t have a lot of time or money to invest? Here are 5 easy-to-start side hustle ideas you may not have thought of. https://moneyat30.com/7-ease-side-hustle-ideas/ You’ve probably heard it said that, these days, everybody needs a side hustle. However, when it comes to getting your money-making operation off the ground, you may find that it takes more time and upfront cash than you were expecting. Additionally, while most people likely think of ridesharing services Uber and Lyft whenever they hear the term side hustle, the truth is that there are several other opportunities than those popular apps. With that in mind, here are 5 easy to start side hustles ideas you may not have previously considered. 1. The first idea I have for an easy to start side hustle is to help people move, including loading, unloading, driving, and more As anyone who’s ever had to pack up their homes and move knows, the process can be a real pain. And while some might enlist the help of friends to get them from point a to point b, that might not be a viable option for others. This is where there’s an opportunity for you to come in and offer your assistance. One potential tool for getting started as a moving assistant is U-Haul’s MovingHelper.com site. There you can sign up to offer your services for loading, unloading, driving, or even cleaning. It will also allow those renting U-Haul trucks to book your help for their move. As a result, you’ll already have a built-in market and perhaps a nice weekend gig. 2. If lifting heavy furniture isn’t quite your thing, perhaps you’d prefer putting it together instead — especially if you’ve mastered the art of IKEA assembly You may have already heard about the service TaskRabbit which allows users to employ contractors for various odd jobs. Last year, the famed Swedish furniture manufacturer IKEA actually purchased the platform and now offers assembly services for their products on TaskRabbit as well. Like with the U-Haul service, this is another easy add-on for customers and could allow easy entry for new assemblers. Of course, you’ll probably want to brush up on your hex key wielding abilities and direction decipher skills before jumping on board. 3. Next up is something I actually did for a spell, at that is becoming a secret shopper for various retailers and restaurants When businesses want to evaluate their employees and get a snapshot of their operations, they’ll often employ secret shoppers. These mystery shoppers will act like regular customers but ask specific questions and make purchases in order to report back on their experience. There are now several companies where you can apply to be one of these secret shoppers and make a few dollars here and there. Like I mentioned, I did this for a short time very long ago, and actually would perform checks at McDonald’s resturants. In addition to being reimbursed for my food purchases, I’d also be paid a few dollars per check and was able to easily work these checks into my schedule If you’re interested in becoming a mystery shoppers companies like MarketForce, Best Mark, Second to None, and Intelli-shop all seem to be looking for newcomers now. 4. For those who love the outdoors and can’t get enough of man’s best friend, you may consider starting a dog walking side hustle utilizing services like Wag Lately, you may have seen commercials for the app Wag or other pet care services. Basically, Wag allows dog owners to solicit walks for their pet and allows Wag walkers to earn money in their spare time. According to Wag’s site, you will need to share what past experience you’ve had with dogs and know a few basic commands while applying. So, if you prefer pets to people, this could be the perfect platform for your side hustle. 5. Finally, for just about any skill, hobby, or talent you have, you can probably find a way to monetize it using platforms like Fiverr Fiverr is a service I’ve personally used for a few different things, including copyediting for some writing projects I’ve done. However, there are also several gigs you can offer that doesn’t require much skill or experience. For example, one popular genre of gig I’ve seen is voice-over work such as podcast intros. Moreover, there’s even an entire section of Fiverr dedicated to challenges and pranks. Obviously, you won’t want to lower yourself to the point where you’re willing to do anything for a few dollars, but you may be able to monetize some hobby or talent you have using Fiverr or similar sites. Hopefully this short list gets you thinking about some potential side hustles for yourself, but for more ideas as well as other self-employment advice, check out Moneyat30.com.
Views: 406 Money at 30
Are you curious about Robinhood’s announced and somewhat rescinded Checking & Savings product? Let's discuss the controversy surrounding the offering and what I could mean for the investment app. As you may have heard, a couple of weeks ago, the investment app Robinhood announced it would be launching what they called Robinhood Checking & Savings. While the biggest selling point of this new product was the 3% interest the app would pay to account holders, other announced benefits included no monthly fees, access to 75,000 free ATMS, no foreign transaction fees, and a spiffy looking Mastercard debit card. Having reviewed Robinhood a couple of times in the past and being an active user of the app, I was more than excited about this whole endeavor. In fact, the second I heard about it, I joined the waitlist and was seeded around number 68,000. Alas, the situation surrounding Robinhood’s product quickly changed as the president of the Securities Investor Protection Corporation, Stephen Harbeck, raised concerns about the offering and said that he was never informed about the plans, So we’re going to take things from there and explain what the current issues, what’s been happening since the initial announcement, and how I personally feel about everything that’s transpired. First of all, the reason the SIPC is relevant to this story is because Robinhood stated in their materials that funds deposited to their so-called Checking & Savings accounts would be insured by the agency. Spoiler alert: the SIPC says that's not necessarily the case The day after Robinhood announced plans, the SIPC president said that, based on Robinhood’s description of the product that noted account holders would not need to trade stocks to have a Checking & Savings account, funds would not be insured by the SIPC. That’s because the insurance Robinhood was counting on is meant for cash funds that are being stored in order to purchase securities. Since Robinhood seems to suggest that no investment are necessary, the funds in question would not be covered. As Harbeck said in a telling statement “Had they called us, I would have told them what I just told you in that I have serious concerns about this.” Obviously, the potential lack of insurance poses a problem to the Robinhood’s proposed product, but it’s also worth noting what the company said its path to profitability was for this offering. In an interview with CNBC, Robinhood CEO Baiju Bhatt said that there were two ways the company expected to make money from what, on the surface, seemed like a loss leader. He explained that the company would first collect interchange fees from accountholders using their debit cards. Additionally he said the company planned to invest user funds into what he called government-grade assets, which he stated would bring a return to the company that was greater than what they were paying to users. This, of course, brings up a few other questions, but the point is that Robinhood at least seemed to have thought this one though, with Bhatt even saying the company had been working on the product for more than two years. Following their initial announcement and then the SIPC’s comments, the company did put out a letter from its founders that attempted to clear a couple of things up. As part of their letter, co-CEOs and Co-founders Baiju Bhatt and Vlad Tenev said that, among other things, the company was planning to work closely with regulators on their new product and that they were changing the name of said product. Soon after this, the Robinhood app and site were updated, retitling the offering Cash Management, but removing most details about the account and replacing the images of debit cards with a rocket-equipped cat. All the while, Robinhood’s waiting list for the product continued to grow, with nearly one million users on the list at my last check. Unfortunately, when I booted up the app this weekend to check on my line status, the found that tab for Cash Management was removed. A banner for the product does still exist on the website but still few details can be found. So what do I think of all this? Well, to steal a Sorkinism, it seems Robinhood managed to do a big thing badly. Unfortunately, in doing so, they might have not only endangered this particular product but may have also changed perceptions about their company going forward. Following this whole debacle, ultimately, I still find myself believing in Robinhood’s existing products and honestly hope that the cash management offering in the works will come to fruition and retain many of the same features they announced. At the same time, I’ll likely be a bit more skeptical and careful about how much money I invest on the platform in order to refrain betting the farm on the app. In the meantime, if you are looking to earn a better return on your savings, I’d recommend looking into various online banks — many of which offer some of what Robinhood was promising.
Views: 270 Money at 30
Are you planning a trip to Disney but worried about the high costs? These 5 tips can help you save money on you visit to Walt Disney World or Disneyland. https://moneyat30.com/7-tips-for-saving-money-on-your-disney-parks-vacation/ So as you may have gathered, I am a huge fan of Disney. In fact, my wife and I have visited all 12 of the Disney Parks worldwide and, in 2015, I wrote a book about my various Disney travels. The downside of loving Disney is their theme parks aren't exactly cheap to visit. Luckily, in my many many trips to these parks, I’ve learned a few tips for how you can be frugal and still enjoy the magic. Travel During Value Season A couple of years ago, Disney adopted a tiered demand pricing structure for their one day ticket. While this won’t yet affect you if you plan on getting multi-day tickets, looking at the demand pricing calendar can help you determine the best time of year to go. And, of course if you are only using single day tickets, these savings will come in handy. Additionally, Walt Disney World has announced that they’ll be rolling out a similar structure for their multi-day tickets later this year, so it’s definitely a good idea to get in the habit of visiting during the value season. Stay at Off Property Hotels Admittedly, this plan is far more feasible at the Disneyland Resort where non-Disney hotels surround the park property. These options range from budget motels to 4 diamond resorts, many of which are in walking distance of the park gates or offer free shuttle service. Personally, of all the Harbor Boulevard area hotels I’ve stayed at over the years, my favorite is the Portofino Inn and Suites — and no, this isn’t a sponsored video. I just found Portofino to be a great value and a pleasant mile walk to the parks, making it a great choice. Due to the sheer size of the Walt Disney World resort, staying off property isnt nearly as convenient. On a recent trip to Orlando, I stayed at a hotel in Championsgate that was less than $100 a night, but was about a $15 to $20 Uber ride away from the parks. Granted, I believe they also offered shuttle service, but they only departed at select times. One potential option lies in the seven Disney Springs area hotels. These locations are run by some top hotel brands and now include some of the same benefits that the Disney hotels do, including FastPass+ bookings. Therefore, these hotels may be worth looking into as your comparing Central Florida hotel prices. Stick to Quick Service Dining There was once a time when most of Disney’s counter service restaurants mostly just served burgers and fries, but those days are long gone. Although those classic fast food staples are still available, the Disney parks have really diversified their menus and included some unique offerings. For example, you can now find everything from spicy chicken waffle sandwiches and breadbowl soups to grilled jackfruit sandwiches and even sushi on quick service menus at certain Disney Parks. Even better, Walt Disney World has now introduced mobile ordering for a number of counter service locations. Not only does this save you time by allowing you to skip the line, but can also allow you to easily search for good eats an uncover some great values others might overlook. Bring Along Some Snacks Most Disney Parks might not realize how lenient Disney is when it comes to bringing in outside food or drink and how much bringing snacks with you to the parks can save you. Whether you plan to just bring some munchies like granola bars, fruit snacks, and chips or pack sandwiches to fill you up during the day, your efforts will be rewarded. Additionally, don’t forget to pack some bottled water, as staying hydrated is a must and buying bottles in the park can really add it. Consider Getting an AP Both Disneyland and Walt Disney World offer a number of annual passports, each with their own restrictions and benefits. Some of these passes may only be available for residents of Southern California or Florida respectively while others are open to all guests. One main difference between lower tier passes and higher tier ones is the number of blockout dates, meaning days that your pass will not be valid. For the lower priced passes, which are only offered to locals, blockouts can include most weekends as well as summers and holidays. Meanwhile top tier passes are blockout free. Additionally, while several pass types offer at least 10% off on select food and merchandise purchases, other passes offer 15 or 20% off. Finally, another aspect to consider is that some of the higher priced Annual Passport also include theme park parking. This is a major factor as parking at the Disneyland Resort is currently $20 a day while it’ll cost you $22 a day to park at Walt Disney World I hope these few tips allow you save some big money on future Disney trips and that you're able to enjoy the magic again and again.
Views: 513 Money at 30
Shopping at Aldi can save you a ton on groceries, but there are some quirks to how the chain operates. Take a mini-tour and see what my favorite items to buy at Aldi are. https://moneyat30.com/ultimate-guide-to-shopping-and-saving-at-aldi/ The Aldi Shopping Experience Private label vs. name brand Most of the items that you’ll find on your Aldi visit are what are known as “private label” — in more layman terms, “generic.” At the same time, among these offerings are a few name brand items like Coca-Cola, Pop-Tarts, and other hyphenated favorites. The problem is that, while you can score some great deals with many of Aldi’s private label goods, you’ll save little if anything by buying the name brand stuff. Aldi Finds and other temporary items Another important thing to note about Aldi is that you may just find something you love that might not be there the next time you arrive. That’s because the chain often offers what they call “Aldi Finds.” These might be completely original items, different twists on existing products they may be testing, or seasonal offerings. As a result, you never know what you might discover. Checking out and bagging First, if you don’t have reusable bags with you and don’t want to carry all of your items in a big pile, you’ll need to purchase — yes, purchase — bags as you check out. In addition to some reusable bags for sale, Aldi also offers you the option to purchase standard paper grocery bags for a few cents each or thick, plastic bags for a similar fee. Alternatively (or additionally), you are welcome to take some of the extra cardboard boxes lying around to help you tote your items. With that out of the way, you’re ready to check out. One thing you’ll notice as you get closer to the front of the line is that there’s always a cart at the end of the check-out. This is so that the cashier can easily scan your items (fun fact: you’ll notice that many of Aldi’s products have giant barcodes on multiple sides to make scanning even faster) and throw them into the cart for you to take to the bagging area. As a result, there’s no need to worry that the cart they’re filling isn’t actually yours. Once you’ve checked out, just take the cart of your items and move your empty cart next to the cashier for the next guest. Once you reach the bagging area (in our store, this is essentially a long counter where you can set up shop), it’s up to you to decide how you want to arrange your groceries. Returning your cart Finally, don’t forget the cardinal rule of Aldi shopping: return your cart. Not only is this essential for getting your quarter investment back but it’s also just part of being a good citizen. My Aldi Shopping List and Top Picks Eggs, milk, and cheese Some of the best items to get at Aldi are some of the most essential. For example, it’s nearly the only place we go to when it’s time to stock up on milk and eggs. In terms of price, a gallon of Aldi’s nonfat milk usually goes for about $2-$2.50 a gallon while a dozen eggs can fluctuate from around $.15 to $1.50. As far as we’ve seen, this has always been the best price — sometimes by a lot. One way Aldi has really surprised me with their cheese selection. Although you might expect a store of its caliber to merely stock individually-wrapped American cheese and maybe some shredded mozzarella, I’ve been delighted to find slightly more exciting options like sliced muenster, aged swiss, and fresh mozzarella. Ice cream and desserts Admittedly, when it came to Aldi products, I wasn’t immediately on board. That started to change the first time I tried their chocolate chip cookie dough ice cream. First of all, it was packed with dough (an essential element for me) and, to my amazement, was only about $2.50! As much as I love their ice cream, my beloved cookie dough recently lost its crown as my favorite Aldi product. On a recent visit, three cookie flavors caught my eye; caramel coconut fudge cookie, peanut butter-filled cookies, and fudge mint cookies. These knockoffs are literally just as good if not better than the Girl Scout Cookies they emulate. The best part? They’re $1.39 per package! Sparkling water, coffee, and other beverages Lately it seems like sparkling water-based beverages like La Croix are all the rage. Aldi recently started stocking cases of their own sparkling water that come in at a fraction of the price other brands charge, making me a very happy customer. While we’re on the topic of drinks, another real steal we’ve discovered at Aldi is the packaged coffee. Aldi also stocks a number of K-cups at reasonable prices to help you get your morning fix. Other favorites Finally, there are a few other Aldi products you can’t go wrong with. Among them, their variety of cereals. Ranging from $1 to $3 a box on average, you can likely find versions of your favorites at a great price. For those with healthier taste, they also have some unique but affordable options such as their Organic Coconut & Chia Granola.
Views: 409 Money at 30
In recent weeks, the cash back app Dosh has made some changes you should know about. https://link.dosh.cash/2xaw34jJLL Original video: https://www.youtube.com/watch?v=L75srrJe3p0 Written review: https://dyernews.com/dosh-app-review/ Over the past few months, my video of Dosh has become the most popular on my channel and it’s clear there’s an interest in the app itself. In case you missed it, the basic idea of Dosh is that you link your various credit and debit cards and earn cash back when you use those cards at select retailers. Additionally, one of the aspects that have helped drive Dosh’s popularity are the referral bonuses they’ve offered to users spreading the word. At the same time that this growth has taken place, Dosh has made a few changes to their application and their policies that you should know about. With that, here are a few of the changes Dosh has made in recent months — some for better and some for worse Starting with a positive update, I’ve noticed a few more retailers joining Dosh’s in-store program In my area, some of the recent additions include Chili’s, Mattress Firm, and Payless shoes. While my favorite of these is Chili’s, where you can earn 7% back on your bill, the 3% you could earn back from a large purchase at Mattress Firm is certainly notable. Since in-store purchases are my preferred method of using Dosh, I’m always happy to see new locations come on board. Now onto a bit of bad news, which is that you must now accrue $25 in cash back for you can transfer your money out. One of the things I mentioned in my original review of Dosh was that it’d be nice if they lowered the cash out threshold for charity donation. At that time, the limit was set at $15. Unfortunately, that’s now risen to $25, including for charity donations. Like I said the first time around, it is understandable why Dosh does need to have such a limit in place but the increase is disappointing nonetheless. Finally, since referrals have been a big part of Dosh’s business plan, they’ve made a couple of changes to how these work. A positive change in this vein is a new dashboard where you can view the status of your referrals and see when they’ve been paid. This is something that was promised a few months ago when bonuses were becoming backlogged and it’s a smart feature overall. However Dosh has also made changes to their referral program that make it a bit harder to rack up cash. For one, while previous promotions allowed referers to earn $15 per person, the most recent event knocked that figure down to $10. Moreover, while bonuses were once being paid when referred users linked a card, updated rules state they must also complete their first cashback transaction before bonuses are paid. To be fair, Dosh’s official policy was always this way, but they seem to have become much stricter about it. Combined with the new $25 cashout threshold, it seems those only in it for the referral bonuses will have to work a little harder in order to make their money. Despite these changes, I’m still happily using Dosh — especially now that they’ve added restaurants like Chili’s that I happen to enjoy. I should also mention that, according to the app, those I’ve referred the app to have earned more than $14,000 in cashback total. Honestly, I find that staggering and goes to show just how much this app is catching on.
Views: 867 Money at 30
Do you have an emergency fund in place or even know where to start when working towards one? Here are a few quick tips for building your emergency fund just in case. *********************************************************************** One money milestone that everyone should strive for is to have an emergency fund. While experts don’t exactly agree on how much you should keep on hand for emergencies, three to six months worth of expenses seems to be a popular figure. One of the most-cited examples of where these funds can come to the rescue is if you were to lose your job. Other possible scenarios include being faced with major medical bills or really any other unexpected expenses that would otherwise wipe you out. Because of how important having an emergency fund can be, I wanted to share three quick tips for starting and growing your fund. Utilize Automated Transfers The first tip is to set up automatic transfers to a savings account that can house your emergency fund. This can be done by having your employer route a portion of your direct deposit to savings or having your bank set up autotransfers between your accounts. Alternatively you could utilize a third party app like Clarity Money to set money aside for you as well. While you could always transfer money manually in order to start building your emergency fund, the advantage of automation is that you’re less likely to notice the money is even gone. This will allow you to save up more easily and without tempting yourself to spend that money elsewhere. Contribute Your "Found Funds" Beyond your regular transfers, I’d also recommend adding a portion of your “found funds” toward your savings as well. When I say found money, I mean payments and windfalls you weren’t necessarily expecting such as bonuses, presents, or tax refunds. Now, I’m not trying to be a buzzkill and suggest you set all of these funds aside, but I’d say you should at least contribute 20% — more if you can. It may not be as fun as some of the other things you could do with the cash, but it could come in handy someday. Explore Online Savings Options Although regular savings accounts can be a great option to start, it may be worth looking into alternatives such as online accounts to help you earn on your money. Depending on a number of factors, the interest rate you receive from your savings account could be as low as .01%. Instead, online banks Discover, Ally, and others offers accounts with APY’s upwards of 1.20%. What’s great about this option is that will allow you to passively accrue funds while still providing liquidity should you need to access your money.
Views: 108 Money at 30
https://dyernews.com/50percentoffquickbooks First, what I liked about the tool was that I could easily link my various financial accounts and categorize each of my transactions. Furthermore, the site and app offers support for tracking business mileage, which can also factor into your tax deductions. Review: https://dyernews.com/quickbooks-self-employed-review/ Speaking of taxes, Quickbooks Self-Employed also gives you estimates of how much you should be paying for your quarterly taxes based on your income and expenses. However, if you’d like to make tax payments through Quickbooks, you’ll need to upgrade to their tax bundle plan, which is $7 more per month. One downside is that this only accounts for federal taxes so you’ll still need to figure out any quarterly state tax payments on your own. Lastly, Quickbooks Self-Employed offers an invoicing tool so that you can easily request payment from clients. If you want, you can even sign-up for Intuit’s payment feature, though this functionality will come at the cost of 2.9% of the bill amount + 25¢ if your client is paying with a credit card, although bank transfers are free. Admittedly, these aspects of Quickbooks Self-employed are those I’ve used the least, but it could definitely be helpful for those currently without an invoicing solution. Starting off with the good, one of the features I’ve really been enjoying lately is Quickbooks’ Amazon integration that makes categorizing your purchases much simpler. If you do a lot of shopping on Amazon, letting your personal and business expenses mingle as a result, the ability to view more detail on each of your transactions from Quickbooks can be of great assistance. Now, instead of seeing a purchase listed just as Amazon, you can view the items included in your order, Furthermore, you can go through and label the individual items as either business or personal. As it turns out, this is a feature I didn’t really know I wanted, but have definitely been making use of it and increasing my deductions as a result. In my last review, I definitely discussed how you could set up rules for certain transactions and have them automatically be categorized in the future. Well, after another year of using the app, it’s really become clear to me just how much this feature can help you keep up to date. Admittedly, while I try to keep on top of categorizing my transactions with some frequency, there have been a few times I’ve fallen behind. Thankfully, in each of the cases, the backlog wasn’t nearly as bad as I would have anticipated thanks to the number of rules I had already set up. Basically, since I had previously defined where my most frequent purchases fell, there were only a few outliers to go through each time. One small word of warning I’d give about setting up rules is that you may find yourself going overboard and overlooking some potential expenses. For example, while I nearly set up rules to have some of my favorite restaurants automatically categorized as personal, it occurred to me that I might end up dining at these chains while on a business trip, in which case they’d be partially deductible. That said, you can get around this my just reminding yourself to look back at transactions made during any business trips you may take and correcting any purchases you may have missed. Just as spending more time with an app or service can highlight more of the benefits, it can also bring your attention to some annoyances. For me, Quickbooks Self-Employed's occasional duplicate transactions as well as the inability to clone business mileage trips have become my pet peeves. Even if you have all of your rules in place, one thing I’d definitely recommend is to double check all of your reviewed business transactions in order to weed out any duplicates. For the life of me, I can’t quite figure out why this pheneonoen happens but it definitely does from time to time. While it’s easy enough to exclude these duplicates when you spot them, it is still unfortunate that you even have to. Meanwhile, in my previous video I mentioned that I rarely used the mileage options in Quickbooks as my job didn’t require me to drive all that often. Yet, when I went to enter a few consecutive trips I did take driving to and from this year’s FinCon Expo,. I noticed how tedious entering these individual drives could be. That’s because there doesn’t seem to be an option to duplicate a trip, which seems like a pretty obvious feature. Moreover, unless your computer already has a location in its autofill directory, you’ll have to manually enter the addresses each time if you want to keep track of them. This process is slightly easier in the app where Quickbooks will search Google Maps info to fill in addresses. Despite those notes, Quickbooks Self-Employed has still been extremely helpful to me when it comes to keeping track of my businesses expenses and maximizing my deductions.
Views: 214 Money at 30
Are you looking to turn over a new leaf when it comes to your finances but aren’t sure where to start? Here are four basic steps of any money journey: In my mind, the first major step involves looking at your spending, building a budget, and setting savings goals When most people decide they want to change their money ways and cut back on their spending, they don’t really have a plan for doing so. Furthermore, while common reasons cited for why they want to change their spending habits include not living paycheck to paycheck and be able to pay down debts, it’s also important to think of more specific goals that will keep you motivated along the way. One of the first things I recommend doing if you’re serious about improving your finances is take a hard look at all of your spending. This process can be truly eye-opening and you might spot a few places you can cut back off the bat. From there, you can create your first budget, determining how much of your salary will go towards essentials, how much you’ll set aside for future savings, and what you’ll do with the leftover funds. As I mentioned, this is also a great time to define what you hope to accomplish by saving money, be it living a debt free life, taking a once-in-a-lifetime trip, or maybe saving up for a down payment on a house. Keep in mind that budgets can evolve, so don’t feel bad about making adjustments along the way. Additionally, if you’re looking for an easy way to set-up your budget and monitor it regularly, apps like Mint and Clarity Money can really help you stay on track and assist you in reaching your goals. Just as it’s important to understand where you’re spending your money, it’s also imperative that you know what your credit looks like and how you can fix it. For those trying to turn their finances around, credit cards may be the furthest things from their mind as they may have gotten them into trouble in the first place. Even if that’s the case, it’s still important to know what your credit looks like and find ways to improve it as you continue your journey. As you probably know, having good credit can often dictate the interest rate you’ll pay on loans and mortgages but can also impact your ability to rent an apartment or even secure a job. Not to mention that credit cards can actually be used to help you save money, but only if you use them properly and are able to obtain a rewards credit card. For all of these reasons, it’s definitely in your best interest to check your credit, review your reports for errors, and learn what you can do to improve your standing for the future. The popular site and app Credit Karma is also a great resource for keeping tabs on your credit and for understanding how to raise your scores. The next step in any money journey as I see it is learning to be frugal and save money where possible. Frugality is an often misunderstood concept, with many assuming it means never spending money. However, in my mind, being frugal simply means not spending money when there’s no need to and instead redirecting these funds towards things that are worth spending on. For example, my wife and I might choose to shop at discount grocery stores like Aldi or Walmart, allowing us to save money we can then spend on things like travel instead. With all that said, there are a few apps that can help you save on essentials and beyond. When it comes to filling your tank, GasBuddy and Pay with GasBuddy can save you a few cents here and there. For grocery shopping, the Walmart Saving Catcher can help you get the best prices without hitting up multiple stores. And then there’s Dosh, which offers a number of special cash back deal boths in-store and online. Personally, I use all three of these to help save money and live as frugally as possible. Finally, as you start to master your spending and manage to save up some money, it may be time to think about investing. If you ask just about any mogul out there, they’ll surely tell you that most of their money wasn’t made from saving but by investing. And while you may assume it takes thousands to start investing on your own, there are now a number of apps and platforms that are making things a lot easier. Among these apps is Acorns, which allows users to set aside their digital spare change and invest in a set collection of stocks and bonds. This service costs $1 a month, but includes a number of features that can not only help you grow your money but also understand how investing works. If you want a little more hands-on control over your investments but still want to start small, you might consider trying Robinhood as well. This app is free to use and allows you to buy stocks without any commissions or fees. Of course it’s very important to note that you should never invest any money you can’t afford to lose — even if something seems like a safe bet. Similarly, always be sure to research your investments and ensure you’re making wise decisions.
Views: 150 Money at 30
Are you thinking about leaving your full-time job and becoming self-employed instead? If so, there are a few things you'll want to think about and research before making the jump. https://moneyat30.com/how-to-prepare-for-leaving-your-day-job/ Links: Quickbooks Self-Employed video review: https://youtu.be/SmnGO94lSnU Quickbooks Self-Employed written review: https://dyernews.com/quickbooks-self-employed-review/ *********************************************************************** It's now been more than three years since I first became self-employed and, in that time, I've certainly learned a lot. However, with my wife set to leave her full-time gig in order to work at home as well, I'm reminded of some of the challenges that come with entering self-employment while also figuring out how to clear some new hurdles. With that, I wanted to highlight three things you need to think about when leaving your day job to become self-employed. ***Retaining Your Health Insurance*** First up is something that really came to the forefront when my wife and I were making our decision and that is maintaining your health insurance. Since the Affordable Care Act requires the majority of business to offer group health insurance plans to their employees, there's a good chance this is currently how you're covered. Unfortunately, this means that walking away from your day job likely also means walking away from your insurance. While COBRA is an option for extending your current coverage, this can be quite expensive, requiring your to cover 102% of the premium. Thankfully, among other options, you are likely still able to sign up for health insurance using HealthCare.gov or state-run exchanges. Although open enrollment is now closed, leaving your job does count as a qualifying life event that enables a special enrollment period. You may even be eligible for a subsidy on your premium depending on your projected income. Given the importance of health insurance, the high price of some premiums, and the still in effect penalty for non-coverage, you'll definitely want to price out plans before turning in your two weeks' notice. ***Planning Your Home Office*** Next, if you plan on working out of your home, you'll want to ensure that you have all of the tools and the space you'll need to be productive throughout the day Personally, having a desk to head to each morning is an important part of keeping myself on task and getting things done. While fancier or trendier desks can easily get pricey, a $100 model from Target does the job for me. Instead, one of the investments I made when beginning why self-employed career was a reliable desktop computer. Meanwhile, with my wife's upcoming job requiring both travel and video creation, we recently shelled out for a fast laptop that can handle video editing. While these costs can be a bit steep — especially when you're just getting started — hopefully they'll pay off in the form of productivity, which in turn translates to more money. Another thing to note is that, if you plan on taking a home office deduction, you will need a dedicated room. Keep this in mind in mind when planning out workspace arrangement. ***Taxes, Expenses, and Other Finances*** While we're on the subject of deductions, there's a lot to consider regarding your finances when you're self-employed, including taxes, expense tracking, and more While self-employment can change your commute and lifestyle for the better, not all of the changes to your finances are so great. For example, business owners may be required to pay quarterly estimated taxes instead of just filing each April like you likely do now. Moreover, self-employed individuals will need to pay the full FICA taxes whereas half of these contribution expenses are covered by employers. However, to offset these downsides, freelancers and other self-employed workers can write off a number of business expenses. In order to do this, you'll want to keep track of what you're spending on your business so you can itemize your deductions. To help with this, I'd recommend using bookkeeping software such as Quickbooks Self-Employed that will make it easy to keep your personal and business expenses straight. Finally, self-employment may not be viewed so favorably by potential lenders. Therefore, if you plan on making a large purchase such as a house in the near future, you may want to look into how your work status may affect your approval odds. Hopefully this list of considerations doesn't dissuade you from pursuing self-employment but does help you prepare you for the transition and help you succeed.
Views: 133 Money at 30
Four years ago, my wife and I started our new lives together with a wedding and reception that only cost us around $2,000. How did we do it? Here's a full breakdown of our big day. Resources: Rings: https://www.etsy.com/shop/RomasBanaitis?ref=profile_shopicon Invitations Although there were only a dozen people present at our wedding, we sent out nearly 100 invitations. Between the cards themselves and the postage required to send them out, this was the first $100 we spent ahead of the wedding. Rings At first, it seemed like our clever plan to shop Etsy for rings might not work as many of the shops we found on the site were generic and even identical to others. However, on about the 30th page or so, we finally found a shop we liked. On top of the creative style of the ring’s outer band, the creator also allowed you to customize the inner loop with whatever color you wanted. We were sold on this idea and purchased a set of two rings for $190. Dress and “tux” Instead of getting a more traditional wedding dress, she shopped the “special occasion” section and found an ivory dress for just under $100. Then came the shoes, which posed a bit of a problem, as they would need to be dyed to match said dress. Still, even with the dye job and some alterations made to the dress itself, thanks in part to a 20% off coupon, the bill came in at about $170. Venue Our ceremony was held at the Excalibur Wedding Chapel at the Excalibur Resort and Casino in Las Vegas. We chose a package dubbed “I Do” that was just $205. As I mentioned, this also included my boutonniere, my bride’s bouquet, and a few other extras I’ll get to in a moment. The venue also provided a minister, although his services added another $55 to the tab. Marriage license Clark County actually allows you to pre-apply for your marriage license online, providing all of the information you need. It should also be noted that there’s no wait period or blood test required. After applying online, all we had to do was visit their location downtown, provide our file number and identification, and pay a fee, which I believe was around $60 at the time (now up to $77). With that in hand, we were ready for our big day. Photography and videography Like I said, the chapel really handled a lot of the logistics and also included some extras in our $205 “I Do” package. One of those inclusions was a photographer who would not only snap pictures of our ceremony but also take us to a studio immediately after to get a few special shots. With our package, we were entitled to choose a total of four 4×6 photos from these shoots, although we ended up also electing to purchase a gorgeous 8×10 from our studio session. That photo plus the frame we added tacked another $100 to the bill, but it was a must for us. The other feature we added was live streaming video.There were a few different options for this add-on depending on how long you wanted to rebroadcast available, but we opted for the $89 package that would keep the video up for two months. Reception Our reception was at Rice & Co in the Luxor Resort and Casino. Still in our formal attire, we were seated at a large table in a “semi-private” area of the restaurant, meaning there were only a few other diners around us. For the 12 of us to dine, including a tip, cost just over $600 — a bill our parents generously offered to split (although we’ve included it in our $2,000 calculation). As for dessert, at the time we made the reservations, we arranged for custom cookies to be served instead of the traditional cake. These sugar cookies were iced with custom colors and piped with our names and wedding date. At $6.50 a piece (for a total of $84.50 plus tax), these cookies weren’t exactly cheap, but they were a big hit and more manageable than a full-blown wedding cake. Wedding favors Since we did end up having guests, we figured we should thank them for their attendance by giving them a little gift. Seeing as my wife is a huge fan of building puzzles, we landed on the idea of creating custom mini-jigsaw puzzles featuring photos of us through the years. I was able to create the design using various free programs and we decided to order a total of six puzzles — one per household, essentially. With shipping accounted for, these gifts cost us just under $100 and, once again, were well received (and appreciated) by our guests. Hotel room After the wedding, we spent the night at a Luxor pyramid suite. As I mentioned, this hotel was located right next door to our wedding venue and in the same building as our reception dinner. This was not only convenient but the room itself was nice, even sporting its own hot tub near the slanted window (it is a pyramid, after all). With the discount code provided to us as part of our wedding package, this was just over $200 for the night.
Views: 2789 Money at 30
Have you ever considered downsizing as a way to simplify your life? By limiting your expenses and obligations, you can be free to pursue your passions and more. https://dyernews.com/downsizing-your-life-how-to-do-it-and-why-you-might-want-to/ When most people think of downsizing, they probably think of empty nesters preparing to retire, minimalists living in tiny homes, or that recent Matt Damon movie. The truth is that downsizing can be done in a number of different ways and to various extents. The type of downsizing I want to talk about today involves limiting your financial obligations in order to prioritize your passions. This is something that my wife and I have strived to do over the past few years and have seen the benefits first hand. With that, I wanted to share a few examples of how you can begin downsizing your life as well as some things that may be possible as a result of your efforts. In many cases the first step in downsizing is going through your possessions and getting rid of unneeded items There are a few good reasons to part with items you no longer need. For one, it can allow you to declutter your current home. Furthermore, paring down your possessions can enable to eventually move to smaller space. But before we get ahead of ourselves, a great way to start downsizing is to look through your various closets and storage spaces in search of items you don’t use anymore. This could include old or broken electronics, sporting goods, collectibles, or clothing. While some items may be worth selling or donating, others can simply be thrown away. Understandably trashing items you once spent good money on can be upsetting at first, but it’s important to realize when you have no actual use for something anymore. Keep in mind the process of downsizing your possessions doesn’t have to be done in one foul swoop. In fact, my wife and I have gotten into the habit of going through our stuff one or twice a year and making cuts. As a result, we find ourselves buying fewer items, which is the ultimate goal. Now that you’ve limited your possessions you can start thinking about relocation options While you might assume that downsizing via relocation simply means moving to a smaller space, it can also mean moving to a cheaper place. For example in 2015, my wife and I moved from Glendale, California to Springfield, Missouri. Although our apartments are approximately the same size, our Springfield home costs less than half the amount of rent. In our case, we were paying a hefty premium to live in L.A., and our changing priorities meant that was no longer a wise use of our money. Of course, there are also benefits to moving to a smaller home even if it’s in the same area. This could include saving money on rent or on your mortgage as well as on utilities and even furnishings. Additionally, if you can, I’d recommend limiting your commute when looking to relocate as this can have a major effect on your stress level and happiness. Now that we’ve discussed a couple of steps you can take toward downsizing, I want to talk about some of the benefits, including the ability to pursue your passions One of the reasons we ended up moving to Springfield was because I had recently decided to start as a freelance writer. While I was enjoying my new career, the aforementioned cost of Los Angeles living was making our finances tight. By downsizing our expenses and moving to somewhere cheaper, I was able to continue doing a job I enjoy without worrying about money. Similarly, my wife has recently also become a freelancer. This transition would have been far more stressful and perhaps not even possible if we hadn’t gone through the downsizing process.d Another one of the passions we’ve been able to pursue thanks to our downsized lives is traveling As I mentioned, being freelancers, my wife and I don’t make a ton of money. However, since we’ve made efforts to limit our expenses, we are able to take full advantage of what money we do make. On top of living debt free, maintaining an emergency fund, and saving for our future, we’ve also been able to enjoy various trips overseas and around the country. Some have even taken downsizing and traveling to a new level, becoming so-called digital nomads. These freelancers and entrepreneurs who can work from anywhere have adopted a lifestyle where they might spend a few months in one city before heading to a new one. Admittedly, as fun as this sounds, it’s a bit too much for us. However, the idea of spending a month or two overseas while still having a place to come home to is certainly appealing — and is possible because of our downsizing efforts including our low rent.
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https://dyernews.com/cutting-the-cord-a-guide-to-streaming-services-and-saving-money/ Cutting the cord can save you money —but only if you do it right. Here are a few tips for saving money on streaming services. For years now, the popular trend has been so-called cord cutting, canceling cable and satellite services and opting for streaming subscriptions instead. While this idea does have the potential to save you money, there are a few steps you can take to help ensure that your cord cutting experiment is a financial positive With that, here are four ways to save money on streaming services and other entertainment after cancelling your cable One obvious way to save money when cutting the cord is to only choose two or three streaming services to sign up for instead of trying to subscribe to everything. These days there are dozens of streaming services on the market with more launching all the time. Because of this it can be tempting to subscribe to several devices in order to consume all the most-talked about TV and movies out there. Unforunately, getting carried away with streaming could mean you end up spending even more by cutting the cord than keeping cable. Thus, it’s a good idea to figure out how many services can realistically afford and which services will give you the most bang for your buck Another tip that could save you a fair amount of money is to look for special offers or bundles. One of the most interesting deals in streaming is Amazon, which includes its prime video service with its popular two-day shipping club Prime. However the retail giant isn’t the only one adding streaming content to entice customers. For example At&t customers with a qualifying Unlimted&More package now have access to the WatchTV valued at $15 a month. Speaking of telecoms, T-Mobile has select plans that offer users free Netflix while Sprint does the same with Hulu. Elsewhere, looking outside of just video streaming, Hulu and Spotify have introduced a package plan giving access to both services for one price — and if you’re a student, you can save even more. Finally, don’t forget to check services like Ebates before signing up as you might find some cash back and offers you can take advantage of. Something you may not have realized is that there may be free entertainment options you can add to your streaming mix in a bid to save money. As you’re watching this on YouTube, you’re likely aware that the site has plenty of free content to offer even if you don’t elect to sign up for their Premium service. Beyond that, if you’re a member of your local library, there’s a chance you may also have access to an app called Hoopla. While not exactly a streaming service, Hoopla allows users to borrow digital content, including movies, tv shows, ebooks, albums, and more. The downside is that you will be limited on how many things you can borrow in a month and your library will also have a daily borrowing cap you may encounter as well. Meanwhile if you’re just in the mood to pop something on and watch, you can check out Pluto TV. The site streams a number of tv shows, movies, and more both live and on demand. And as I mentioned, it’s completely free. Finally, with many streaming platforms offering different tiers of service, it may be worth thinking long and hard about whether you actually need to upgrade to the top level. Did you know that Netflix has plans starting as low as $7.99? The drawback here is that you’ll only be able to stream in standard definition and can only have one device streaming at a time but this make more sense for some users than paying $13.99 a month for the top tier service. Similarly, while Hulu sells a commercial-free service for $11.99 a month, you can save a bit by choosing an ad-supported plan at $7.99 a month. Ultimately, there are surely benefits to higher tier plans that may make them worth the premium price, but just make sure these bells and whistles are worth it to you and fit your budget.
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https://dyernews.com/bumped-review/ What if you could earn stock in various companies as a bonus just by shopping at their locations? That’s the idea behind the Bumped —let's discuss four things you need to know about this free app. A few months ago, I saw an Instagram ad for a new app called Bumped that said it would reward you with stocks from your favorite brands. Intrigued, I joined their waitlist and, last month, was able to start using the app for myself. While I was initially hesitant, I decided to give the free app a shot and was impressed with Bumped’s roster of eligible retailers — not to mention the clever premise the app presents as a new twist on loyalty rewards. If that sounds as interesting to you as it did to me, then stay tuned as we look at four things you need to know about Bumped, including some of the pros and cons: First up, in order to join Bumped, you’ll need to connect a credit or debit card as well as apply to open a brokerage account. For the time being, joining Bumped requires you to sign-up for the waitlist. Then, once your invitation arrives, you can set up your account using your e-mail address and creating a password. The next step is to link at least one credit or debit card — although you may want to add more to ensure all of your qualifying purchases earn for stock earnings. Now is also a good time to note that Bumped is completely free to use. Bumped uses a service called Plaid you may recognize from other personal finance apps to securely log into your bank account. After an account is added, Bumped will be able to identify future eligible purchases from partner brands. However, before that happens, you’ll need to be approved for a brokerage account. Unfortunately, this will require some additional information such as your social security number. To verify your identity, you may also need to submit a photo of your drivers license or ID. Obviously this may seem risky to some so if you’re worried about revealing this much info to Bumped, you’ll likely want to sit this one out. Once your account is approved, you can start earning stocks by making purchases at various retailers and restaurants, selecting one brand in each of 13 categories When I first heard about Bumped, I was skeptical about what kind of brands they’d have as participating partners. However, once I joined the app, it’s fair to say that I was blown away by the number of options available. Currently Bumped has 13 different categories and allows you select one brand in each category to earn stock from. You can change your selection in each category, however this can only be done once every 30 days and only up to 3 times per year. With your selections made, you’ll start earning a percentage of your purchases back in the form of stock when you use one of your linked cards at these retailers. For example, when I reloaded my Starbucks card with $50, I received $1.50 (which works out to 3% of my purchase) back in Starbucks stock. Even better, this free stock comes in addition to any credit card rewards or other offers you may be eligible for. Next up, should you choose to sell one of the stocks in your portfolio, you’ll be able to transfer the cash value to your linked bank account. While you can always elect to grow your Bumped portfolio and take advantage of rising stock prices, you also have the option to sell your earned stocks. However, at this time, it seems as though you can only offload your entire position in a given company instead of selecting how much of a stock you’d like to sell. After the sale is complete, the cash value will appear in your account and you can then transfer this amount to a linked bank account. One other thing to keep in mind is that the price of the stock may change between the time you initiate the sale and the time it clears. This is actually something we’ll talk about more right now. Finally, one of the few downsides to Bumped is that transactions can take some time to clear, including the purchasing and selling of stocks. From waiting to have stocks ordered to waiting for your cash from sold stocks to arrive, transactions on Bumped do take a bit of time. Luckily you won’t be left completely in the dark as the app does show the status of each stock. The three incoming categories are Purchase identified, stock ordered, and stock settled. Only once it reaches this third step will a stock fully display in your account and be available to sell. This entire process can take a few days. As I mentioned, this is also true of selling stocks, making it difficult to time your sales and likely frustrating anyone attempting to employ technical analysis to their Bumped portfolio. However, Bumped isn’t built to be a day trading app or even really teach you more than the very basics of stock investing. Instead, it’s meant to reward you for your loyalty. In that spirit, I say just enjoy the free stocks and try to make the most out of them.
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Trying to decide if your book project is best suited for print or ebook format? Here are three things to consider when determining what makes the most sense for your self-published book project. https://moneyat30.com/self-publishing-tips-print-vs-ebook/ Resources: Print vs. Ebook: Which is Right for Your Self-Published Project?: https://moneyat30.com/self-publishing-tips-print-vs-ebook/ Write, Print, Publish, Promote: https://www.amazon.com/Write-Print-Publish-Promote-Publishing-ebook/dp/B074P9M6VJ/ When developing a book idea, one question you might forget to ask yourself is whether you envision your project as a printed book, as an ebook, or both. I actually have some experience with this question as my first book, The E-Ticket Life, has a proper print run while my latest book, Write, Print, Publish, Promote, is an ebook exclusive. So why the discrepancy? Well, as I realized, there are several different aspects of a book that might better lend them to one medium over another. In my case, the illustrations in my first book were a primary factor in wanting to do a print run while my book on self-publishing seemed a better fit for digital. If you’re trying to decide whether you should take your book project to print or turn it into an ebook, here are a few factors to consider: Book Length One of the biggest factors that will help determine if a print run of your book makes sense is how long your manuscript and finished product are. This is important because, while ebooks can be any length you choose, printed books have more limitations. Technically, CreateSpace allows you to print books between 24 and 828 pages in length but, in practice, printing a shorter book might not be practical from a marketing or pricing standpoint. Since there are certain costs associated with printing that cannot be removed, reducing the number of pages in your book might not shave down the price as much as you might expect. In fact, while a 24-page book with 6×9 trim is currently $2.15 per copy on Createspace, it only costs $3.25 per copy to print a 200-page book on the platform. Unless you can justify selling your short book for a higher price, you may find it hard to come up with much profit margin given these costs. Of course, some exceptions to this rule include children’s books, books of art and illustrations, and a few others. Pricing and Margins Speaking of margins, the profit models for printed books and ebooks are actually quite different. For example, while the ability of ebooks to eliminate printing and shipping costs usually leads to higher profit margins, they also tend to sell for lower prices. Furthermore, to incentivize authors into pricing their ebooks a certain way, Amazon will give your 70% of your list price (minus a delivery fee based on file size) if your book is priced between $2.99 and $9.99. However, titles priced outside of that zone are only eligible for 35% royalties. Meanwhile, print books offer greater flexibility in your pricing and in how you sell your product. Even with Amazon handling the fulfillment of my CreateSpace sales, I still make more on print versions of my book The E-Ticket Life than I do with ebook sales because of the higher list price. Better yet, when I buy copies in bulk to sell at events like the D23 Expo, I can end up making far more per copy than I would with an ebook — not to mention it’s a little hard to sell someone a digital-only product in person. So while my margins might technically be better with ebooks on the whole, the right circumstances can mean greater profits with print. Book Layout When I was in the process of creating an ebook version of The E-Ticket Life, one thing that drove me a bit crazy was how much the layout I had worked so hard on creating was thrown by the wayside. In addition to some of the fonts I had selected being changed, the gorgeous illustrations my friend had supplied me for the book were reduced to thumbnail size on some devices. Because of this, while I continue to offer a Kindle version of the book, I tell anyone who will listen to purchase the printed edition instead. Granted, there are some steps you can take to help maintain the integrity of your ebook design such as creating a fixed layout .epub as opposed to a reflowable one. Unfortunately, this could mean that your ebook won’t be viewable on all devices. Additionally, even when fixed layout ebooks are supported, they could prove hard to read and require users to do a lot of pinching and zooming. Thus, if layout and design are important to you, you might want to push your print edition like I do. Ultimately, while there are a few factors that can help inform your decision to do a print run of your book or not, the choice is really up to you. One of the best things about self-publishing is the ability to see your vision through and execute it to a T. So, whatever you choose to do with your book project, the important thing is that you’re making your dream a reality.
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https://moneyat30.com/snapchat-spectacles-review/ Are Snap's Spectacles a potential tool for creating YouTube content or just a silly splurge? Here's what you need to know about the camera-equipped glasses: #Snapchat #Spectacles The History of Spectacles First released in 2016 — back when they were sold exclusively via odd-looking vending machines that would pop-up in limited locations — Spectacles are Snap Inc.'s first foray into wearable tech. Each pair of Spectacles sunglasses are equipped with a single camera along with a microphone and LED light that indicates when you're filming. The unique circular footage shot using Spectacles can then be uploaded to Snapchat and shared with friends. Despite reportedly being left with unsold pairs of first-generation Spectacles, Snap debuted the second iteration of Spectacles in April 2018. Instead of the gimmicky vending machines, this time around the glasses could be purchased online (for the record, the original Spectacles did eventually make their way online as well). While sales numbers have not been released just yet, it seems that the new generation of wearable camera glasses have at least been better received by reviewers thanks to some new features and styles. How are Spectacles 2.0 Different from 1.0? As I mentioned, the newer version of Spectacles (the ones I now own) have a few notable improvements over their predecessors. The most obvious of these changes is the design of the glasses themselves. While the original set of glasses came in some fun, candy-colored versions along with a plain black, these proved divisive among reviewers. Additionally the yellow circles that surrounded the camera and LED ring on the glasses were also despised by many. In fact a quick Google search will turn up plenty of articles and videos detailing how Snap enthusiasts could alter their glasses to be more attractive. For Spectacles 2.0, Snap elected to employ some more conventional colors — although they gave them some more pretentious names: Ruby, Onyx, and Sapphire. The latest glasses also remove those yellow rings, making the camera a little bit less noticeable to the untrained eye. Each pair of Spectacles 2.0 also offer two different lens options. To that point, Snap has partnered with Lensabl to offer prescription editions of the glasses as well. Other reviewers who have experimented with both versions of the glasses also note that the latest generation of glasses are a bit slimmer and lighter than the originals. More noticeably, the Spectacles case — which doubles as a charging unit — has been significantly shrunken with the latest iteration. Aside from looks, the newer Spectacles also got some tech upgrades. This includes housing two microphones as opposed to one and switching to an all HD output. However one of the most touted improvements was the water resistance the 2.0 Spectacles have. Snap hasn't released details on just how water resistant the new glasses are but the FAQ on their site states that they "work great in rain, snow, and even in shallow water! Just don’t keep them submerged for more than a few Snaps at a time." Given the technical improvements and better design, it may not surprise you to learn that Spectacles 2.0 are also a bit pricier than the 1.0 verison. While the original Snap Spectacles went for $129.99, the newer versions retail for $149.99. First Impressions Opening my Snap Spectacles was admittedly a pretty exciting experience. Packaged in what can most accurately be compared to a tennis ball container, the glasses come accompanied by the charging case and a cable that is then used to charge the case. Unless you're wearing cargo shorts, this case is still too large to fit into your pocket but is still in line with other hard-shelled sunglass cases size-wise. In terms of color, I opted for the Sapphire frames with Twilight lenses. This proved to be a good choice as I really like the way the frame color looks — including the fade to clear on each temple tip. I was also happy to learn that, while Twilight appears to be lighter than the alternative Midnight lens option, both are "Category 3," meaning they offer a "high level of sun glare reduction." To me, this just meant that they could suitably double as normal sunglasses even when I had no intent on shooting footage. Putting on the glasses themselves, I found them to be comfortable despite being a little heavier than regular sunglasses. While I didn't find the thickness around the hinges where the electronics are housed to be physically imposing in any way, I will say that having these bulges in your periphery is a bit distracting when you first put the glasses on it. And although they might not be my favorite design for a pair of sunglasses, I actually kind of like the way they look on me, so that's a plus.
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Are you looking to make some upgrades to your home in order to sell it for a better price? Here are 5 things you should consider when deciding to renovate your house to sell. Buying your first house can certainly be an intimidating and complicated process, but selling a home can be just as involved. One the many things you’ll need to consider before putting your home on the market is whether you want to sell it “as is” or make some upgrades in the hope of raising the sale price. When done correctly, this plan can be quite lucrative. However, like in so many other areas of life, there are some risks involved as well. That’s why I wanted to highlight 5 things you should know about upgrading your home to sell that you might not have thought about. The first tips I have you might not have thought much about is how much value there can be in consulting a professional before getting started While you might already have a good idea of what projects you want to accomplish, you might not know exactly what will play best with buyers in your area. This is where getting a professional opinion can really be helpful. Best of all, it might not cost you much if anything to get this advice. If you’re working with a realtor to sell you home, chances are they’ll be willing to take a look at your plans and give you feedback without charging any additional fees. At the same time, they may be able to recommend interior decorators or contractors that can further help you with your upgrade plans. Another reason it’s good to speak with someone with knowledge of the market is because, by overdoing your renovations, you could end up with a home that’s overpriced for the area For those who have watched a bunch of HGTV shows like Flip or Flop, you’ve probably seen episodes that find the sellers in the conundrum of having made too many upgrades. As a result they’ve built a home that is now worth more than buyers in the neighborhood are willing to pay. This can be a big mistake as you’ll likely need to cut your price in order to sell, thus eliminating much of the profit potential you were chasing when you decided to take on the project. The moral of the story is that you’ll want to pay close attention to comparable listings before you get started so that you don’t outprice the market. Once you’ve figured out what projects to take on, one thing you won’t want to discount is the importance of photos in your listing Since the majority of today’s home buyers start their searches online, you’ll want to ensure that you not only have photos of your home available for them to view but also make those photos as flattering as they can be. This means utilizing natural light, preferable angles, and a quality camera in order to capture the best aspects of your home. In some cases, this might mean calling in another professional who has experience photographing homes. Again, your realtor might have someone in mind or may be able to accomplish this task themselves. Speaking of great photos, you may want to consider doing some staging of your home, which will also be important for open houses and other showings. Going back to the HGTV example, it’s very common to see sellers do what’s called staging their home as they show it to buyers. This simply means adding special touches to the house that can bring out the design potential and let buyers visualize their lives inside the home. While you’re staging efforts could be as small as add some extra decorations to certain rooms, there is always to option to go all out and rearrange entire areas of your home. Moreover it might even be worth getting a storage unit where you can store unnecessary items that currently clutter your house. This might cost you a bit extra to pull off, but at least it will give you a leg up on the moving process as well. Finally, you won’t want to forget about adding some extra curb appeal to your property in order to both welcome and wow buyers. Although the interior of your home will often be the main selling point, keep in mind that your front yard and entryway will help paint potential buyer’s first impressions of the house. Because of this, you may with the add some extra touches to increase curb appeal. Once again, this could be as simple as adding a few flowers to your yard to bring in some color but you might also find some larger projects to do as well. This could include doing some additional staging on your porch, power washing your entryway, and/or repainting certain exterior features.
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VITAL card has a concept that will reward you for referring friends — but is it too good to be true? Let's take a closer look. https://www.vitalcard.com/u/D21A16D Full review: https://dyernews.com/vital-card-review/ VITAL Card: https://www.vitalcard.com/u/D21A16D Vital Card’s Concept Vital is billing itself as “the credit card that pays to share.” Their idea for making this goal a reality is to keep track of how many people each user refers to the card, with more shares equating to a larger share of a communal pot (or Cash Rewards Pool). This number is what they’re calling your Vital Score and their website has a calculator that will estimate your earnings based on the number of people you refer. In addition to the points you receive for direct referrals, you’ll also accrue points for shares made by your referrals and even referrals those users then make. If you’re like me, that description of Vital’s proposed model may have just triggered an immediate and severe sense of dread. After all, reading Vital’s pitch on paper makes it sound unmistakably similar to those of multi-level marketing (MLM) companies and pyramid schemes. Luckily, Vital addresses this directly in their frequently asked questions sections. There they note that, unlike MLMs and others, Vital does not require users to buy anything up front or ever sell anything. Honestly, I found that explanation fair. Back to the Vital Scores, one example the site lists is based on you referring just 10 people. Under their methodology, your Vital Score would be around 280 (four points for each of your referrals, two points for those they refer, and one point for people they sign up). With that score, you’d receive $525 a month for using the card. That sounds pretty darn impressive, but there are some major caveats in regards to how they arrived at that number. First it assumes that your referrals each refer four other users. Next the figure is based on there being 100,000 Vital users each spending $1,500 on their card in order to fund the Cash Rewards Pool. Vital’s Credit Card Features While the social sharing aspect is what makes Vital unique, it’s easy to forget that the card will function like a normal credit card as well. From the details currently available, Vital will either be a Mastercard or a Visa, with the company’s head of marketing Dylan Satin telling me it will most likely be the latter. Aside from the Cash Rewards Pool they may be eligible for, cardholders will also receive 1% cash back on any purchases they make. Additionally Vital will carry no annual fee. As I mentioned earlier, there’s another important detail about how Vital’s proposed Cash Rewards Pool: users will need to spend $250 a month on their card in order to be eligible to receive their share. However, when asked to clarify what this policy meant, Satin confirmed to me that users who spend less than $250 a month on their Vital card will still receive the 1% cash back on their purchases. While that spending requirement might be a turn off to some, it is admittedly an understandable threshold in my eyes. Beyond that basic info, there are still some blanks to fill in as they relate to Vital’s credit card operations. Although the company is reportedly in negotiations with various banks, I’ve been informed that a final partner has yet to be chosen. The only other details currently announced are that the card will have “competitive APRs” and will only be open to U.S. residents at launch (they hope to add international support in 2019). Signing Up for Vital Card Although the process of applying for a Vital card will eventually be handed over to whichever bank the company chooses to partner with, that hasn’t stopped Vital from trying to get the word out starting now. Currently users can sign up and start sharing their own referral links with just an e-mail address (the site will also ask you to share on social media before accessing your account). Once you finish signing up, you can keep track of your referrals and unlock additional benefits. For example just two referrals will give you access to premium card colors, five will grant you founder status, and 25 will get you priority access when the card launches. Importantly, any referrals gained in this pre-launch period will count toward your Vital Score after launch. However keep in mind that not all of your referrals will convert to actual credit card users. Final Thoughts on Vital I’ll admit that I was extremely skeptical of Vital from the moment I saw their opening copy. After doing more research, I’m actually really fascinated by their clever concept. Ultimately, as concerning as it may look at first glance, I have no qualms about Vital Card’s proposed concept and think it could be a hit. Moreover, since all that is currently required to sign up is an e-mail address, I really don’t see any harm in giving it a shot at this juncture. With that step completed on my end, I look forward to seeing what becomes of Vital.
Views: 549 Money at 30
For authors, getting a booth at a trade show/convention/expo can be a huge opportunity to reach new readers and sell some books. Recently, I brought my book (The E-Ticket Life) to the 2017 D23 Expo, so I thought I'd take you along and show you how I planned for the event, what worked, and what went wrong.
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These days, checked baggage fees on most airlines are just a fact of life. However, by packing smart, you may be able to fit everything you need into a carry-on bag and a personal item. https://moneyat30.com/5-clever-tips-for-avoiding-fees-saving-money-while-traveling/ ***Resources*** 5 Clever Tips for Avoiding Fees & Saving Money While Traveling: https://moneyat30.com/5-clever-tips-for-avoiding-fees-saving-money-while-traveling/ There are several ways to score a great fare on a flight but, unfortunately, those savings can be compromised by some of the various fees that airlines may enact. One fee that’s become more or less a part of life in recent years is the checked luggage fee. Unless you’re traveling internationally, flying Southwest, or have one of the fancy airline-branded credit cards, chances are you’ll have to pay upwards of $25 to check a bag to your final destination. That’s why it pays to travel light and pack smart. My wife and I have gotten into the habit of only taking carry-on-sized luggage for our trips. Since there are two of us, we are each permitted one regular carry-on as well as “personal item,” which gives us all the space we need for our clothes, electronics, and toiletries, while still saving space for some souvenirs. How? It’s a combination of knowing what to pack, how to maximize the space in our luggage, and being strategic with how we utilize that extra personal item. First, my wife has become very proficient at creating lists of everything we’ll need for a trip. This includes determining what outfits we plan on wearing and how many of each clothing item will we need, along with a list of electronics and snacks we’ll want to bring along. Not only does this help us with the packing process itself but also ensures we don’t leave anything behind. Next, we employ my wife’s patented (note: not really) clothes rolling process. Basically, she’ll take one pair of underwear and a shirt and roll them together. As it turns out, this can actually save a lot of space in our luggage. Plus, since we can rarely be bothered to utilize the dresser drawers in a hotel room, this method makes it easy to grab our outfits each day while keeping our luggage load organized. Last up is the all-important personal item. In my case, this typically consists of a messenger bag or small backpack. What I like about messenger bags is that they’re great for holding my laptop and various chargers but, more importantly, I’m usually able to prop them up on their side under the airplane seat so I don’t have to completely sacrifice my legroom. Another critical way we utilize our personal items is to carry an extra change of clothes just in case. This is a good time to note that, even though you may plan on carrying your bag onto the flight, there may be times when those coveted bins get filled and you’ll be asked to check your bag. In such cases, there is no charge for checking your bag but, if you have connecting flights (especially ones with little time in between), you may worry that your bags might not make it to your destination at the same time as you. That’s why we’re always prepared to be separated from our bags and will move those things we absolutely need to our under-seat items. While I’m issuing warnings, I should also mention that some airlines charge for carry-on items as well. At this time, such practices are more or less limited to discount airlines like Spirit and Allegiant, but it’s always a good idea to check your carrier’s policies before packing.
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https://moneyat30.com/get-started-vlogging/ My first vlogging camera just arrived and I couldn't be more excited to give it a try! After watching tons of YouTube videos and reading other reviews to find a quality camera in my price range, I decided on the Sony RX-100 Mark II. Since this is an earlier model of the current RX110 Mark V (which fetches $1,000 new), I was able to pick up a used one on Amazon Warehouse Deals for just over $400. Watch as I unbox the camera along with the Purple Panda lav mic and put both to the test. Resources — Get Started Vlogging: Tips From Someone Doing the Same: https://moneyat30.com/get-started-vlogging/ Sony RX-100 II: http://amzn.to/2st6IEN Purple Panda Lavalier Mic: http://amzn.to/2rAuo5I *********************************************************************** Here's what I like about the Sony RX-100 Mark II so far: -Portability: While it's a bit hefty for a point and shoot, it still fits easily into your pocket and can go anywhere. -Different video settings: This camera is able to shoot at 24 fps or 60 fps, giving you two distinct video styles. -Does well in low light: With an aperture starting at f/1.8, it can perform decently in low-light conditions. -Wide (enough) lens: At 28mm, the lens could be a bit wider, but it still works well for setting up a good vlogging frame. -Customization: The camera has a number of options, which you can set up easier access by programming the camera ring on the front of the camera and the navigational wheel on the back. -Articulating screen: Sadly this particular RX-100 model does not offer a 180-degree display screen (AKA a flip-up screen) but does allow you to move the screen to a 45 or 90-degree angle. -Wi-Fi: Making up for that lack of flip-up screen, the RX-100 II offers NFC (for Android only) and Wi-Fi connection capabilities. Not only does this make it easy to transfer photos to your smartphone using the Sony PlayMemories app but also allows you to control your camera via your phone. As a result, you can use your smartphone as a monitor while shooting. Notably, this was the main feature that led me to choose the Mark II over the original generation. *********************************************************************** Here's what I like about the Purple Panda lav mic so far: -The price: At less than $20 (subject to change), this is a great mic option for beginners. -Smartphone compatible: The mic is able to plug right into your smartphone out of the box, making it easy to record sound. -Additional adaptors: If you need to plug the mic into a different device, it comes with several adapters at no extra charge. Note: one adaptor it does not include is an iPhone 7 lightning cable. *********************************************************************** Buying used: As I mention in the video, I was unable to find any issues (functional or cosmetic) with the camera I purchased from Amazon. This was somewhat surprising considering the item I ordered was listed as being in "good" condition instead of "very good" or "like new." While buying used meant I didn't get the original packaging or factory warranty that I would if it were new, I was able to save $200 off the retail price. In my eyes, this was a steal! When looking for used cameras on Amazon, keep in mind that you'll see third-party sellers as well as items from Amazon Warehouse Deals. Sales made via Warehouse Deals are not only backed by Amazon but are also eligible for Prime shipping. This peace of mind was what led me to ultimately choose that option over the others. If you are looking in this used/refurbished section for deals, there are a few things you need to know: -When they're gone, they're gone: Unlike regular Amazon where you can bet they have plenty in stock, many used items are one and done. This means, if you see a good deal, you may want to grab it before it's gone for good. -Check the notes: Whether it's from Warehouse Deals or third-parties, there will often be additional notes that accompany the item's listing. During my search, I noticed a few of the items (especially the cheaper ones) were missing certain accessories like wall chargers or adapters. Pay close attention to these so you know what you're buying. -Not all used cameras are valid for Prime: As mentioned, the Amazon Warehouse Deals items can be shipped with free 2-day Prime shipping. However, third-party sellers may either charge for shipping or only offer longer shipping times. So if you're a Prime member, you'll want to pay close attention. *********************************************************************** Stay tuned for more from [email protected] and be sure to subscribe! -Travel tips -Freelancing advice -Publishing your own book -Money-saving tips -Much, much more
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Are you considering a big move but are dreading all the expenses that come with it? Here are a few tips that will hopefully help you save money on your next move. https://dyernews.com/essential-moving-guide/ Let’s face it: moving can be a major pain. On top of all the packing, unpacking, and heavy lifting that’s required when leaving once home for another, the entire process can also be quite expensive. From buying boxes and renting trucks to paying utility and security deposits, it’s no wonder than many might elect to simply stay put instead of dealing with it all. However, if you’re determined to move — be it across town or across the country — there are a few ways you can save money while also keeping your sanity. In fact, here are four ways you can help keep your costs down on your next move. ***Downsize and sell unneeded stuff*** Whether you’ve officially decided to move or are still thinking it over, one of the first things you should do is go through all of your possession, deciding what to keep, what to throw away, and what you can either sell or donate. To help you determine which items fall into each category, consider when the last time you used the item was. In most cases, if you haven’t utilized something in the past year, it’s probably safe to get rid of it. Of course, there are exceptions for extremely sentimental items and emergency preparedness, but try to stick to this rule as much as possible. There are several benefits to downsizing before your move, starting with the time and money you’ll save by not having to pack and transport as much stuff. Additionally, if you do find some things of value that it’s time to part with, you could end up with a little extra cash to help fund your move overall. ***Packing hacks and saving space*** One clever way to save space — and boxes — is to first remove the drawers from dressers and other furniture when carrying them, but then filling and placing these drawers once the items are safely on the truck. Another hack that will also save you time packing your closet is simply cover your clothes with a trash bag, leaving the hangers poking out at the top. This will keep your items clean and save you precious box space while still being easy to transport. As for supplies, you may be tempted to buy new boxes along with bubble wrap, packing peanuts, and other accessories. Instead, ask if you can take some unused boxes from your work or a friend's work — and be sure to get a variety of sizes. Also, instead of those expensive packing protections, try wrapping towels or sheets around your more fragile items when packing. ***Try to reduce your deposits*** As I mentioned, one of the most frustrating parts about moving if that you’ll likely need to put down deposits not only on your apartment but also on things like cable, internet, and other utilities. What’s more, if you already have deposits paid on your current services, you might not receive those back in time to cover your new services. That’s why it’s helpful to look for ways to avoid as many of these deposits as possible. In some cases, this may only be an option for those with strong credit. However, some companies might allow you to have deposit fees waived as long as you sign up for their autopay service. Of course, each company is different so just be sure to ask what your options are. ***See if you qualify for tax deductions*** Certain moving expenses such as the costs of packing and shipping your things and lodging while on the road may be deducted from your taxes. Additionally, in 2018, you can deduct 18 cents for each mile you drove your vehicle as part of your move. The catch is that your move has to be related to your employment. Therefore, in order to qualify for such deductions, you’ll need to show that you started your position reasonably soon after moving. Second, you’ll need to pass the “50 mile test.” This means your new job needs to be at least 50 miles farther away from your former residence than your old job. In other words, you need to show that it was necessary to move because your new job was too far from home. Finally, you need to work full time for 39 of the 52 weeks that follow your move. If you meet all of these criteria, you could be able to save a good amount on your tax bill. Granted this won’t really help you cover the costs at the time of your move, but it’s still something to look forward to.
Views: 93 Money at 30
https://moneyat30.com/life-insurance-what-to-consider/ With life insurance being a fairly uncomfortable topic, do you even actually understand how such policies work? Let's take a look at some of the basic benefits of life insurance. *********************************************************************** What is Term Life Insurance? The premise of term life insurance is simple: you pay a monthly premium for a policy that expires after a certain period of time (typically between two to 30 years). If you were to pass away during that time frame, barring a few exceptions, your selected beneficiaries would receive a payout. In the event that your policy expires and you’re still alive, no payout is provided and you’ll need to shop for another policy if you’d like continued coverage. Because term life insurance policies have set end date and can often expire without a payout being made, they are typically less expensive than whole life policies. As a result, these types of policies tend to be popular among those who either need only temporary coverage or perhaps want to have peace of mind now but aren’t quite ready to purchase a whole life policy. Furthermore, in many cases, policies with shorter term lengths tend to offer lower monthly premiums than those that last longer. To that point, companies like Bestow even offer term life policies as short as two years, allowing individuals to obtain affordable coverage without entering into a long-term commitment. In fact, these policies start as low as $2.50 a month. One downside of term life policies is that some providers may have age limits on who can purchase policies. Because of this, those who are looking for coverage into their later years may want to look into whole life policies. Who is Term Life Insurance Best For? Term life insurance may be a good option for those whose untimely death would have a negative monetary impact on their loved ones but who don’t feel the need to retain coverage beyond a certain timeframe. For example, if you have elementary school-aged children and want to ensure that they can afford to go to college regardless of whether you’re around or not, you might consider a 20-year term life policy that would only expire after they’ve (hopefully) completed their schooling. Speaking of schooling, a young couple working to pay off student debt might also consider term life policies so that the surviving partner is able to cover these obligations if the other should pass. What is Whole Life Insurance? Unlike term life insurance that ends at after a set time frame, whole life insurance covers you until you either cancel your policy or pass away. This concept might sound simple enough, but whole life policies are often far more complicated than they seem. That’s because whole life insurance policies also include either a saving or investment component. Furthermore, there are similar types of permanent life insurance — including universal life insurance, variable life insurance, and variable universal life insurance — that only add to the list of options. In terms of premiums, the good news is that your rate will stay the same for the life of your policy. At the same time, whole life policy premiums are often far higher than term life policies, not only because they offer a guaranteed payout but also because of the savings element. Because of this, some considering coverage might look to term life options first before eventually moving to a whole life policy. Who is Whole Life Insurance Best For? Ultimately, the first question to ask when determining if whole life insurance is right for you is, “can I afford it?” Regardless of what you think of Dave Ramsey’s rants against whole life, it’s hard to deny he’s pretty much right in regards to how much more these policies cost each month. Even if most of these payments are going into a savings account or investment product, you’ll still need to pay this money out of pocket each month. A popular use for whole life insurance policies is to assist those whose heirs might be subjected to estate taxes. Since life insurance payouts are tax-free, these funds can be used to help cover any estate taxes that may be due. Additionally, whole life insurance policies can be used to add to inheritance gifts without increasing the tax burden. Finally, there may be those that might want their spouse to receive payment regardless of when they pass away. With term life insurance, their policy may expire at a time when they are no longer able to renew their policy, leaving them without options. Thus, those who want a guaranteed payout might look to whole life insurance policies instead.
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If you're looking for an affordable hotel for a Disneyland Paris holiday, the Hipark Design Suites — now known as Hipark by Adagio — could be a great option. https://dyernews.com/3-hotel-amenities-that-could-save-you-big-money/ Traveling can be a lot of fun but, at the same time, there are plenty of seemingly small expenses that can really add up. It seems that, even if I set a budget ahead of time, I still end up being surprised at how much I can spend on basics like dining and transportation during any given trip. However, as I’ve been able to travel more and learn the ropes a bit, I’ve discovered a few hotel amenities that can really help cut down on costs. With that, here are three hotel perks you’ll definitely want to seek out if possible: Free WiFi This one is pretty obvious but it’s important. While many hotels now offer at least some form of free WiFi, there are still those few that may charge you a daily or weekly fee just to access the Internet. That’s why you won’t want to take this perk for granted and ensure that your chosen hotel does indeed offer free WiFi before booking. If you do make the mistake of booking a room without free WiFi, all hope may not be lost just yet. In some cases you may be able to join the brand’s free loyalty program in order to receive that coveted Internet access. Furthermore, under similar terms, you may also be able to get a free speed boost on your WiFi. That said, it’s usually not worth it to upgrade to the premium option on your own and just sticking to the basic free option instead. Kitchenette As I write this, I’m actually sitting in the Atlanta airport, fresh from France. Over there, my wife and I stayed at a hotel that offered a kitchenette in each room. This is actually something we discovered on our last trip to Paris and choose to stay at this particular hotel once again because of how convenient this feature was. It proved just as cost effective this time around as we were frequently able to make food in the room (it helps that there was a grocery store nearby as well) and avoid eating out for every meal. I should note that, stateside, most “residence” style hotel rooms you’ll find have a few quirks and lack some of the services you may expect from a regular hotel. For example, since you have a kitchenette, your room may not include so much as a continental breakfast. Additionally few if any of these hotels offer daily cleaning during your stay. If these are deal breakers for you, then stay away. Otherwise, we’ve found that having the ability to cook at least simple meals not only saves us money but also enables us to maintain a healthier diet than we would if we were forced to eat out the whole time. Finally, if you don’t want or get a full kitchen, you can still keep an eye out for rooms with a minifridge and microwave. While you won’t be preparing any 5-star meals in your room, you can at least reheat your leftovers and save money as a result — not the mention that this technique is perfect for settling late-night cravings. Best of all, since these minor appliances don’t really constitute a full kitchen, you’ll likely still enjoy things like a complimentary breakfast and daily room cleaning. Shuttle Service If you’re staying near a tourist attraction, choosing a hotel that offers some sort of shuttle service to said attraction can be a big benefit. In addition to saving money by staying “off-property” from the attraction area, shuttles allow you to skip the taxi or Uber fees as well as avoid having to rent a car (sidenote: if you do rent a car, you’ll want to double check your hotel’s parking policies and fees). Even if you do plan on visiting other locations eventually, at least you can save a few dollars on the days you to choose to hit up the major attractions. Equally as valuable are airport shuttles. Typically these services are only offered at hotels with some reasonable proximity to the airport but you may be surprised — especially in some foreign countries where these shuttles are a great incentive for travelers. However, when it comes to both airport shuttles and attraction shuttles, you’ll want to pay close attention to how your hotel’s service works. For example, some locations may require you to make reservations ahead of time. Moreover shuttles may not run at all hours of the day. Take it from someone who’s gotten stuck with an unexpected Uber fee to the airport because he didn’t do his homework, you’ll want to know these shuttle schedules and plan accordingly. Having just returned from yet another trip, I can honestly say that these types of amenities have been a lifesaver while my wife and I are on the road. From mandatory free WiFi to the tasty convenience of having your own kitchenette, plus having dedicated transportation to your most-visited locations, these perks can really save you a lot of cash. So, the next time you’re booking a hotel stay domestically or overseas, take the time to look for these awesome amenities.
Views: 127 Money at 30
https://dyernews.com/bestow-life-insurance-review/ Are you considering purchasing a term life insurance policy but don't know where to start? Take a real-time look at Bestow's online application from quote to purchase page. Home » Product Reviews » Financial » Money at 30: Is Bestow Term Life Insurance Right For You? Bestow logoAmericans seem to have a love-hate relationship with insurance. While many love the benefits that come with being covered by health insurance, car insurance, renters insurance, etc., seeking out a policy isn’t always top of mind. Furthermore, when it comes to certain types of insurance such as life insurance, many would rather not think about the unpleasantries associated with them. Alas, term life insurance can be an important product for families and individuals, which is why Bestow has sought to make the process of purchasing a life insurance policy easier. I first heard about Bestow while attending FinCon earlier this year. Admittedly, at the time, I had never really given much thought to purchasing life insurance — although the company I was formally employed by did provide a small policy for me at one point. Because of this I was intrigued by the premise of Bestow and wanted to take a closer look at what their platform provides. What is Bestow? The basics on Bestow Bestow is a company aiming to make the process of purchasing term life insurance simpler. On their site, the company notes that their service not only provided “easy and affordable” coverage but also does away with some of the hurdles traditional life insurance providers erect such as lengthy applications, medical examinations, and more. They also advertise speedy decisions that will let your secure coverage as soon as possible. What else does Bestow say makes them different? In a video, the Bestow founders share what inspired them to create their company and what headaches they were looking to relieve when building their platform: Bestow is headquartered in Dallas and recently raised $15 million in a Series A round of funding led by Valar Ventures and New Enterprises Associates. Currently Bestow offers term life policies of up to $1 million. These plans are backed via a partnership with North American Company. It’s important to note that Bestow only provides policies backed by North American Company. This means that there’s no comparison tool to shop different options from various providers. However you can view different coverage options by adjusting the payout and term lengths using Bestow’s quote tool (more on that later). Something to note about Bestow is that, at this time, it’s not yet available in every state. While coverage is now on sale in 48 states, those in Georgia, New York, or Puerto Rico will have to wait a bit longer. That said, the company is licensed in Georgia so that could soon be their 49th state. Plus, considering they were only in 37 states as of August 2018, it’s clear that Bestow has been expanding quickly. In terms of other restrictions, only those age 45 or younger may purchase 20-year term life policies from Bestow. Similarly those over 55 and a half may not purchase any policies from the company. On the other end of things, those under 21 are also ineligible for coverage from Bestow. Outside of these age restrictions, Bestow’s FAQ section offers a bit of insight into other reasons you may be denied coverage on the platform. These reasons include a person’s “build” (height, weight, body mass index), amount of existing coverage, or other factors that could prevent you from being matched to a policy. With all that said, Bestow says that they’re “constantly working on expanding insurability.” They continue, “If you don’t qualify for a policy offered by Bestow right now, check back with us again in the future.” I will also say that, in addition to Bestow’s forms being quick and responsive, the design of each screen was sleek. Moreover the art and icons featured on each page and in between also added to the experience, making what could be an intimidating process less so. Another thing I like about Bestow’s site is that you can get an idea of how much potential coverage would cost without having to enter so much as your name or e-mail address. Using Bestow’s quote form, you can enter basic data such as your age, height, weight, and state, and see a price range for coverage. Using a handy slider at the bottom of the tool, you can see how your premium and policy options change as your coverage increases. Granted, there’s no guarantee that these figures will hold up once you complete a full application, however mine was only 8¢ off. To me, the inclusion of this tool just shows that Bestow is confident enough in their product that they can offer this insight without needing to capture lead info. Of course, it also means that you won’t get annoying calls and e-mails about buying when all you wanted was a quote — that’s a big plus in my book.
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Approximately 70% of Americans utilize the standard tax deduction, but why? Here's what the standard tax deduction is, how it compares to itemizing, and more. *********************************************************************** As you likely know, tax season is heading into full bloom with 2017 returns due by April 17, 2018. With that date approaching, you may already be considering whether it makes sense to itemize deductions or take what’s known as the standard deduction. While approximately 70% of filers do currently end up taking the standard deduction, that doesn’t necessarily mean they understand why. On that note, let’s take a look at five things you should know about the standard tax deduction and when it might be better to itemize instead. ***Changes are on the way**** You may have heard that the tax bill recently passed by Congress will nearly double the standard deduction. For example, the deduction for married couples filing jointly will go from $12,700 for 2017 to $24,000 in 2018. As a result, even some of those who currently itemize personal deductions may switch to the standard deduction after this year. ***Standard deduction vs. Itemizing*** In some cases, you may be able to save more by itemizing your deductions instead of accpting the standard. At the top of that list, most homeowners are able to deduct the mortgage interest they pay in a given year from their taxable income. Another popular source of deductions come from charitable donations. However, in order to take advantage of these and other potential deductions, you’ll need to itemize. That said, you may still find that the standard deduction exceeds your itemizations — especially once the increased figures go into effect. ***How deductions work*** Often times people confuse tax deductions for tax credits. Thus, they might assume that a $12,700 standard deduction means a major cut to their tax bill and perhaps a hefty refund. In actuality, this $12,700 is simply a deduction on your taxable income. So, if for example you’re in the 15% tax bracket, the maximum you’ll save from the standard deduction is $1,905. However the benefits could technically be larger if your deductions take you from one tax bracket to a lower one. ***Business deductions and personal deductions*** Freelancers like myself may associate tax deductions with business expenses that can be deducted against your taxable income. Because of this you might be confused about all this standard deduction talk. That’s why it’s important to note that business and personal deductions are separate, although you’ll likely use both. Still, you’ll want to keep your business expense records separate from any personal deductions you may qualify for. ***Ease of filing*** Finally, another reason why the standard deduction is popular is that it often makes filing your taxes easier. In addition to requiring less record keeping on your part throughout the year, claiming the standard deduction likely also means less paperwork when filing your taxes. Moreover, while some free online filing services support itemized deductions, others might charge extra to do so. Therefore, if you’d rather take the chance of missing out on some money in favor of making your life easier, this is always an option.
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If you're looking to convert your Microsoft Word document into a ebook file, the free program Calibre can help make the process infinitely easier. Calibre allows you add several types of files (including .doc, .docx, .pdf, .txt, and many more) and export them to various ebook formats. Additionally, Calibre includes many helpful tools including a table of contents generator and metadata editing capabilities. In this video I'll give you a quick look at Calibre and how to use it to convert a Word document into an .epub file as well as how to edit the metadata, add a cover, and create a table of contents that will allow readers to easily navigate your book. For more information on how to publish your own ebook, be sure to check out my full guide: https://dyernews.com/how-to-publish-ebook/ You can also download Calibre for Mac, Windows, or Linux here: https://calibre-ebook.com/ *** Converting your manuscript to a finished ebook that can be viewed on devices such as Kindle, Nook, and other e-readers and tablets can be a pain. In fact, many services have made businesses out of charging people to do it for them. However, before you spend upwards of $50 to convert your ebook on one of these sites, consider doing the job yourself using a free program called Calibre. Calibre allows you to convert a number of popular word processing files (or even .pdfs) into file types used for e-publishing. For example, .epub is the most popular ebook file and is accepted by Amazon’s Kindle Direct Publishing platform as well as Apple’s iBooks, Barnes and Nobel’s Nook, Kobo, and others. You can also convert to Kindle-specific files such as .mobi, which can be used with Kindle Previewer (https://www.amazon.com/gp/feature.html?docId=1000765261) to see how your ebook will display on a number of Amazon Kindle devices. Another great feature of Calibre is the ability to edit your books metadata, which in turn can help readers find your title more easily. Speaking of easy, Calibre also offers a table of contents generator. To use this feature, all you need to do is set the parameters to tell the program how you’ve denoted chapter titles and headings in your manuscript (e.g. any time you use an H1 or H2 heading, Calibre can detect that as a new chapter and add a bookmark that readers can follow to skip ahead). You can also ensure that your ebook will look great using Calibre’s built in preview feature. This, in conjunction with other tools such as Amazon Kindle Previewer, will allow you to see how your ebook file will display on other devices. Calibre also keeps all of your files organized by keeping all of your exports of one document together in a single line on your digital bookshelf. Whether you need to turn your Word document into an .epub for iBooks, make a .pdf into a .mobi file for KDP, or conduct any other combination of file conversions, Calibre can help you turn your writings into an actual digital book that will be ready for publication on several ebook platforms. So before wasting your money on a paid service, try converting your own ebook file with Calibre.
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https://dyernews.com/starting-a-podcast/ Recently, I invested in a few new items to not only improve the audio of my videos but to launch a new podcast. Here's what I purchased and why. Gear links: AT2020 (Black): https://www.amazon.com/gp/product/B0006H92QK AT2020 (White): https://www.amazon.com/gp/product/B0765YBBR3 Neewer Mic Boom Arm: https://www.amazon.com/gp/product/B00DY1F2CS Shock Mount and Pop Filter (Combo): https://www.amazon.com/gp/product/B01LY7QM1N Forcusrite Scarlett 2i2: https://www.amazon.com/gp/product/B01E6T56EA Amazon 10" XLR Cable: https://www.amazon.com/gp/product/B01JNLUA5G Three Must Dos Before Starting a Podcast Make a list of potential topics, guests, etc. I don’t know about you but I often find myself getting more excited about the idea of doing a show than actually coming up with specific ideas for said show. Sure you may already have a basic outline for what a given episode of your new podcast might entail in theory but have you considered what weekly topics you would cover and what guests you would have on? In other words, how would you keep your podcast going beyond your initial few episodes? With consistency being a major key in finding success with podcasting, it’s a good idea to set yourself up with a master list of show ideas so that your podcast doesn’t hit a wall in its infancy. Luckily a recent trend in podcasting has been to create seasons. This is helpful because you could potentially plan out your entire first season of topics before launch and then spend the break brainstorming for your next set of shows. Whether you choose this route or prefer a year-round schedule, definitely give yourself a good headstart by doing the hard work of coming up with epsiode concepts beforehand. Do a test show… or a few Once you’ve made a master list of show ideas, the next step is to put your ideas to the test. That is to say that you should attempt to put together a test show. Now, you may have noticed that we have yet to discuss equipment and how can you do a test show without equipment? Well, in my mind, it makes more sense to utilize whatever recording gear you do have (even if it is only your phone) to produce a for-your-ears-only show just to prove your concept before investing in hundreds of dollars in podcast equipment. There are many reasons why doing a test show (or shows) is important to the podcast-launching process. First, it will give you and any co-hosts you might have a chance to build your on-air chemistry or find your “radio voice.” No, I don’t mean that hacky, pseudo-deep voice that some DJs put on — it’s just that you may discover that the cadence or level of annunciation you use in casual conversation may not translate well to the podcast form. Of course it’s also good to get practice speaking without relying on verbal crutches such as “like” and “um.” Along similar lines, you’ll notice that many successful podcasts have a certain format to them that they stick to fairly rigidly. By doing practice shows, you can see what format works best for your concept and ensure that some of your topic ideas are producing enough content to reach your goal podcast length. Getting some of these kinks out ahead of time will hopefully save you some time — and some rough episodes — when you are ready to launch the real thing. At the same time, don’t let yourself get so concerned about perfecting your show that you never get around to actually starting it! As long as you’re confident that what you’ve come up with is something you’ll be able to execute effectively and repeatedly, there’s little harm in giving it a go. Watch gear reviews and set a budget Like I mentioned, one great thing about podcasting is that you can make yourself heard without needing all of the same fancy equipment found in professional broadcast studios. Quite often you’ll encounter shows recorded using iPhones, conversations that were ripped from Skype calls, and other low-budget methods employed just to get the job done. While such practices may not be a bother for some listeners, others may be more decerning. Similarly, you as an aspiring podcast creator may be striving for a higher quality set-up. As with many things in life, there are many different price points you’ll find for everything from microphones and stands to editing software and podcast hosting. The key is to figure out how much you’re willing to spend/invest in your production. This is where seeking out reviews and pricing out gear can really help you get the most for your money. Ultimately you may find it tempting to get top of the line everything when you’re starting your show — but don’t! There may be room to grow into these higher-end items eventually but, when you’re starting out, you’ll likely want to find more reasonably-priced items that fit your show’s needs. Besides, as long as a show has listenable audio quality, it will be the content that makes your podcast stand out, not the mic.
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