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Category Archives: Finance

4 Reasons Why You Shouldn’t Overlook Silver as an Investment Option

Are you searching for an alternative investment other than buying gold and prize bonds? Well, look no further because silver is the real deal.

Many people don’t realise the importance of purchasing silver bars. If you are not one of those people, you can get them from

Let’s take a look at some reasons for purchasing silver instead of investing in other things.

1.     Silver is Cheaper than Gold

Since silver is less expensive than gold, it is easier to purchase and store for selling it in future. Also being a hard asset, it would protect you in times of financial problems.

An average investor who is not able to afford gold can get silver instead. Silver is also a precious metal like gold, so it’s no wonder why many people will prefer it over gold.

Moreover, it can also be used as a gift. If you can’t afford a gold chain or a necklace as a gift, you can give a silver product as a present which also looks beautiful.

2.     Easy to Sell

Silver is not only easy to buy, but it is more practical to sell as well. You can find various buyers when you plan to sell silver bars. Again, the reason here for hassle-free selling is its lower price than gold and other costly investments.

For a small financial need, you can’t sell an ounce of gold. Silver comes in smaller denominations which you can easily put up for sale in case of emergencies. You can then buy it back when the tough, financially-unstable period is over.

3.     Better than Digital Coins

Investment in silver and gold is even better than buying cryptocurrencies. The cryptocurrency bubble  can pop anytime. When that happens, the price of these digital coins will decline significantly in such a way that you can’t even imagine.

On the other hand, the price of silver coins remains almost the same. If you are looking for a worthy investment, then you should seriously consider getting silver bars.

Moreover, there are security issues of hacking while buying cryptocurrencies. However, hackers can’t get silver as it is a physical asset not a digital one. Although there is still a chance of theft, it is lesser than getting hacked online.

4.     Silver is Real Money

You can trade silver almost anywhere in the world. However, it would be difficult to exchange your currency in some other country where you are not able to find an exchange nearby.

Silver is now considered as a safe alternative to gold. It has been a source of attraction for many investors for several years.

If you overlook silver as an investment option, then you might be committing a serious mistake. Make sure to buy silver bars to get high returns when y

Making the Most Out of Your Retirement

Are you near your retirement? Excited or worried?  Any plans in mind? There are so many ways in which you can make the most out of your retirement, and enjoy your time. After all, when you’re in the retirement phase, you are the one in charge. You do whatever you want and when you went – without others affecting or governing your life in anyway. Sounds good, right? It is, but you’re much better off when you have all of it planned properly beforehand.

Let’s go back, and think about all the major changes or events that you encountered during your 20s, 30s and 40s. Marriage, parenthood, relocations, new cities, new countries – some of the moments were filled with joy and some were despairing. During all these years, you set goals, planned for them, and then strived to achieve them.

You do exactly the same during the retirement phase: set goals and then try to achieve them. But this time, your objectives are different then what they were in the past. Your approach is pretty much the same but just keep one thing in mind: you should be flexible and adapt if circumstances change or aren’t what you expected.

Here is a quick guide to making the most out of your retirement.

Decide where you want to live

Deciding suitable retirement locations is a fundamental part of your retirement planning. Do you want to move closer to your children, siblings or other relatives, or would you prefer moving farther away from them? Also do you want to live alone or with your partner? Some of you may even prefer living at a senior centre so that you’re surrounded by others. If you live in an urban city right now, you can move away to the countryside or you could downsize and think about selling or renting your sprawling mansion. Relocating to another country is yet another option.

Your options are endless, and you can opt for any location.  Just ensure that your chosen option is affordable and within budget.

Travel your heart out

Travelling is fun, and always brings immense pleasure. In the past, you may not have been able to travel as frequently as you may have liked because of your education, job, parents or kids. But when you’re in the retirement phase, you generally tend to have more time in your hand and greater freedom and flexibility. Whatever schedule you may be following, fit in vacations wherever you can.

So you think this is expensive? Not at all. You have a payment card, don’t you? Redeem your earned points and get free travel mileage in turn. For instance, allows you to exchange your points for various holiday packages and deals.

Work out your expenses

Have a clear idea of future cash flows in mind, and accordingly, plan out your finances. Usually it is better to pay of all your debt before retiring because interest often tends to eat up expenses.

drug paraphernalia merchant account

How Can a Paraphernalia Business Accept Credit Card Payments?


Whether you are living in an area with legalized marijuana, or you are in an area that may soon legalize it, there are issues that can arise when you operate a legalized drug or drug paraphernalia business. From the quality of the products to the staffing, and even the payment types, the issues can be endless. But while products and staff can change quickly and easily, your ability to accept various payment types can be hard to deal with.

You must be able to accept credit card payments from your customers. Not only is it the preferred payment method for most customers, but it helps you keep those customers. Not everyone has the ability or the want to head to an ATM before they go purchase a bong or medical marijuana. You must offer your customers what they want – and what they want is the ability to pay for their goods with their plastic cards.

Now, the problem now comes with finding a payment processor that works with companies like yours. Being in the “high risk” category is tough enough, but in the drug paraphernalia industry, your chances are even lower of getting a reputable payment processor. Look toward a company like, one with experience in the legalized drug paraphernalia industry, when you need to obtain a payment processor.

Another tricky issue: Over the phone and internet payments. You should be able to accept consumer payments on the internet, over the telephone or even through the mail. Whether you have just started your smoke shop or have been in hemp supplies for many years, you need flexibility in terms of the ways you can accept credit cards and you need to be able to process credit cards rapidly and safely.

So, merchants, you need to look for a payment processor that pleases your customers – and lets your business grow. This is a hot industry, and you need to be able to accept as many payment options possible to get your business booming!



Credit Counseling

It is a practical approach to tackling all kinds of debt and these agencies offer solutions based on the credit situation of the consumer. People should understand that there cannot be a general solution to everyone’s debt issues as each individual is different. Hence, credit counseling agencies or companies can assist people on an individual basis, based on their ability to make payments, total available financial assets, total amount of debt, annual income and so on. The credit counseling agencies are present in countries around the globe and it is easy to approach any of these agencies when one is in need of their services.

It works for most people as they get to find practical solutions to their debt issues, which they can adhere to. Besides, they help the people in negotiating with the creditors and reaching settlement agreements, which make it possible for the borrowers to consolidate and reduce their total debt in due course of time. Also, the credit counseling agencies can assist the borrowers in applying for loans (both secured & unsecured), which can help them in clearing the debt amounts in a short period of time.

The agency can let people make realistic monthly budget which they can easily adhere to. People who take the help of these agencies can realize their financial goals and manage their money in an efficient and effective manner. In the end, people can find a balance between their expenses and income, and wisely use their available credit, so that they can achieve their goal of getting relief from debt and be financially stable.

Advantages of credit counseling services

  • People can achieve better understanding of their credit standing and financial situation;
  • They can arrange for the borrowers to make a single payment every month;
  • They can also assist in lowering the interest rates of the borrowers;
  • People do not have to face the calls of collection agencies and will not have to negotiate with the creditors on their own;
  • People will also be assisted in getting loans.

Avoid Credit Card Fraud

Keep your card safe – It is very important that you keep your cards safe and away from the reach of other people. Place your cards in a bag or wallet close to your body so that it cannot be easily snatched away. If you use a purse, make sure that it is properly zipped so that the cards do not fall off from your purse. Also, instead of carrying all your debit and credit cards with you all the time only carry those that you need.

Be cautious when using your card online – When you use your card to shop online, be careful and make sure that you only use it on websites that are legitimate and offer SSL encryption security for online payments. If the site does not provide adequate security, your card information can be stolen and the same can be used for identity theft or for making fraudulent transactions with your card.

Keep a track of your account – Opt for mobile and email alerts to keep a track of your credit card account all the time. In case of any unauthorized usage of your card you can report it to the bank immediately. You can also access your account online through electronic banking and make sure that you are aware of all the transactions made with your card.

Keep your PIN safe – When you swipe your card at merchant outlets to make payments, you will need to provide a 4 or 6 digit Personal Identification Number (PIN) to authorize the transaction. Make sure that you do not share your PIN with anyone or write it on any piece of paper as it can be stolen and misused.

Shred your statements and other documents – Shred your credit card statements and all other documents that have your card information on them. Your account information can be accessed online and all other details will be available on your card. Even if you forget your password, user ID or PIN you can get them reset by contacting the customer support team of your bank. Hence, it is important that you shred all possible documents that include information about your card.

Inform the bank if your card is lost or stolen – In case your card is lost or stolen, call the card issuing bank immediately and inform them about the same. The customer support representative of your bank will then guide to you to get the card blocked so any unauthorized usage of your card can be avoided. The representative will also inform you about the steps you need to follow to get a new card.

Payday Loan Consolidation Works

Payday loan consolidation is the solution for individuals who have accumulated huge debts. However, you need to first understand how it works.

The counselor will first evaluate your financial situation. This includes validating loans and ensuring which ones are still active. The company pays off your outstanding debts; so all your loans are rolled into one against new terms. You are then only liable to one credit agency.

A high interest rate is a distinctive feature of this type of loan. A company that works towards consolidation will first look for ways to reduce the rate of interest against which the amount that was loaned to you; thus, your loan is easier to pay back. It can also help you forgo additional charges and fees. To add, they give you sufficient time to payback your loan. So, at a lower rate and more time to pay up, your monthly installments are going to be smaller.

In payday loan consolidation too, you have two options:

· Secured loan consolidation includes securing loans against some value property such as your house or car etc. The rate of interest is low; however, in event of failure to repay, you will lose the property held as a collateral security.

· Unsecured loan consolidation which is offered without requiring a collateral security. The rate of interest is slightly higher than the first option but lower than that charged by payday loan lenders. It is a great option for one with a good credit score.

You can consolidate the loans yourself or get payday loan debt help from companies that offer such services. If you choose the latter, they will handle everything for you right from handling communication with your lenders to paying off your loans.

The bottom line is a payday loan consolidation company does not write off your debts. They work with you and your lender to create a payment plan that is affordable.

Now if you want to get the best settlement soon, you need to choose your payday loan consolidation company with care. You need to make sure the company is registered. This step helps ensure the financial institution is authentic. Be clear about the fees you pay towards the settlement. Payday loan consolidation should be based on your financial situation. The company should not work with a one-size fits all approach. If they force you to accept the terms and conditions in place, avoid the company and look for another. If the company is trying to sell you stuff other than payday loan consolidation services, it is a red flag.

Going Debt Free

In regards to challenging your every belief, it is a fact of the modern financial system that loans generally incur higher interest rates. For example, let’s say Ford Motor Company goes to your bank. The company pays interest that is a fraction over the prime rate, which is the lowest rate banks charge their favorite customers. You, for sure, are paying several points over the prime.

You may not be able to change the fact the bank gives Ford a better interest rate than it gives you. But you can control, to some degree, the interest rate you pay based on the amount of money you borrow.

Look at the interest schedules on your credit card bills. You will see information that tells you something like this: On the balance up to $2,000, the finance charge is 18 percent annually, while on the balance over $2,000, you pay 12 percent. Remember, these numbers are generalized.

You may owe $2,000 or more in credit card bills, but if that debt is spread over several cards with low but lingering balances, you are paying the 18 percent on every penny. And if you pay the minimum amount due to each creditor every month, you will carry 18 percent until all balances go to zero.

Mastering a debt free plan can be achieved by strategically refinancing your debt. In fact, you can renegotiate and finance smaller loans as well as larger ones. However, be careful. Make sure you can benefit from the refinancing before you renegotiate.

Suppose you have an auto loan at 10 percent, and your bank is willing to lend you the money to pay it off at 7 percent. Sounds like a good deal, right? Well, maybe. If a big part of the loan has been paid off, refinancing may not be worthwhile because the new debt is usually paid off over a longer period of time and will ultimately cost more.

Reaching Freedom From Debt

Don’t negotiate – The terms of the debt repayment are not thought by most of the people who have debt. If you have credit debt, your credit card company must be called up by you to ask for a lower interest rate. A lot of amount can be saved by doing this simple step. Forbearance can always be asked for by you on car loans, credit cards and student loans.

Don’t think “everyone is doing it” – Never assume the fact on your own that “everyone is doing it”. It is one of the ways by which you can get into trouble. It mainly comes by seeing your friends or family in debt or by seeing people buy costly electronic gadgets or clothes by using credit cards. So, don’t get yourself into it, if everyone is doing so because it will be frustrating later on to get out from it.

Thinking of paying a debt without a plan – Most of the people think that debt can be paid off without having any plan. But it is not possible to do so. Wealth can be built and debt can be paid off by making a personalized plan. Make sure to have a plan in order to pay your loans in an orderly manner.

Forget to change the attitude – This is one of the worst mistakes that a person can do in his lifetime. This is because change is not liked by most of the people. But you have to change your attitude for a better result. New financial plans should be incorporated to get good outcomes.

Juggle other priorities – Getting out of debt should be the first priority in your life. Buying the latest gadgets or taking a vacation will surely keep you in high debt. Believing on a budget is always a good idea to pay your debt. You should be empowered by your budget to spend just on important and essential things.

Get Best Payday Loan

Repayment method

Now, this factor is the most important. When applying for a loan, make sure you choose the best repayment method based on your circumstances. For instance, you can give a post dated check to your lender so he could get the payment on a certain date. Or your lender may ask you to give you the account number of your checking account. In this case, the lender will just deduct the payment amount from that account. Based on your needs, make sure you ask the lender to use the right payment method.


Due to one reason or the other, you may fail to repay the loan on the due date. In this case, you can ask for an extension. Your lender may give you a 48-hour extension based on your history. However, keep in mind that you will have to pay the fees for the extension.

It’s important that you make all the payments until you have gotten rid of the loan. In case of late payments, you will have to face penalties, which you don’t want at any cost.

Valuable items

If you want to enjoy a lower rate of interest, you can apply for a loan with a valuable item, such as jewelry. Usually, a secured loan will save you a lot of money because of the lower interest rate. So, if you can, take something valuable with you to the lender.

Credit history

As far as payday loans are concerned, your credit history plays a great role. Even if your credit history is bad, you can apply for a loan but the rate of interest will be a lot higher. On the other hand, if you have good credit rating, the lender may offer lower rate of interest and better repayment options. Therefore, we suggest that you keep a good credit history in order to prevent higher rate of interest. And for this paying the loan back on time is the way to go.

Corporate Credit Cards Work

Be aware of your company’s policies – Cardholders must familiarize themselves with the reporting and spending rules provided by their employers. Also, they must educate themselves about the policies specific to their position or department. They need to know the types and limits on making charges. It is highly recommended that cardholders must attend training sessions and be updated on the policies.

Learn how to avoid pitfalls – There are indeed a lot of pitfalls cardholders must avoid. These will include the unapproved charges that can end up hitting your wallet and combining personal expenses with business spending that may put you on a collision course with the management.

Use your common sense – The lack of simple common sense is indeed among the biggest dangers from having corporate credit cards. Prior to swiping it, ask yourself if such expense is directly related to your job.

Always secure your card – Be sure to keep your card in a safe place to avoid theft or loss. Immediately after noticing that you have lost it, report it to the authorities. This will help prevent fraudulent charges. Cardholders must be aware that when they have lost their card, they can be provided with a new card or new account number immediately during emergency cases.