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Why Her Emergency Money Backup Plan Is a Credit Union Visa. Since I was hired at the financial empowerment website MagnifyMoney six months ago, I’ve spent my workdays looking at the best (and worst) balance transfer deals, rewards credit cards, checking

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How to Beat the Bank by Becoming the Bank. Banking in some form has been around for thousands of years. It is responsible for untold wealth for lenders – and the model can be replicated by average families to create and preserve wealth.

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Make Money Off Your Selfies With This New App. Frequent selfie posters are sometimes labeled as vain or self-centered. But thanks to a new app, there’s another word that could be used to describe these social media mavens – profitable.

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How to Find Killer YouTube Tags for Your Videos. I was surfing through YouTube the other day and noticed that YouTube no longer displays a video’s tags near the descriptions like they used to.

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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Should You Ever Pay Your Significant Other’s Debt? When it comes to relationships, love doesn’t always conquer all. Financial matters have the ability to cause friction in an otherwise happy couple, leading to repeat arguments that can eventually kill the relationship.

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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Charged for the future. Amara Raja Batteries (ARB) is a mid-cap, battery manufacturer and supplier having technical backing of Johnsons

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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Charged for the future. Amara Raja Batteries (ARB) is a mid-cap, battery manufacturer and supplier having technical backing of Johnsons

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How to Find Killer YouTube Tags for Your Videos. I was surfing through YouTube the other day and noticed that YouTube no longer displays a video’s tags near the descriptions like they used to.

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WASHINGTON -- The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal "truth in lending" law. On a 9-0

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WASHINGTON -- Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac

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WHY HER EMERGENCY MONEY BACKUP PLAN IS A CREDIT UNION VISA Since I was hired at the financial empowerment website MagnifyMoney six months ago, I’ve spent my workdays looking at the best (and worst) balance transfer deals, rewards credit cards, checking accounts, savings accounts and personal loans. But in a prime example of inertia, I’ve been slow to change my financial products, even after spending half a year being inundated with hard evidence that many of my money-related decisions were inferior. Finally, I Joined a Credit Union My decision to join a credit union wasn’t actually based in a desire to use it as my primary bank. Credit unions should be lauded for their ability to offer Americans an alternatives to the mega banks. They work solely to serve their members, who are also the owners (to join a credit union, you buy a share). Big banks, by contrast, often serve their shareholders at the expense of their customers, which is why customers are served up high overdraft fees and maintenance fees on one side, and infinitesimally low interest rates on their savings accounts on the other. However, most credit unions still feature brick-and-mortar branches, where they need to keep the lights on. While their fees are less than those of the big banks, those fees do exist. The reason I decided to join a credit union wasn’t to escape the clutches of a monolithic bank (I’d already opted into Internet-only banking) but rather, to get a credit card. Why Get a Credit Card from a Credit Union? I’m a millennial anomaly. I’ve never carried debt. No auto loans. No mortgages. No student loans. No personal loans. No interest ever paid to a bank or lender. None. (Note: I don’t consider using a credit card being in debt if you pay off your entire bill on time and in full each month, because if you do that, you pay no interest.) I have a sizable emergency fund, money invested in non-retirement accounts that could be liquidated if I needed to and a savings account. Should an emergency befall me tomorrow, I’m theoretically

prepared.

Despite all this, I decided to get the Promise Visa (V) Card from Pentagon Federal Credit Union to put in my safety deposit box, in case of emergencies. The Promise Visa offers a 9.99 percent annual percentage rate and no penalty APR. This APR is subject to change with the market based on prime rate, but it will likely stay significantly lower than competing credit cards. In Case of Emergency, Break Plastic Let’s say a series of unfortunate events occur, and I suddenly need $7,000 to cover emergency bills. Perhaps I don’t feel comfortable draining my emergency fund to zero or liquidating an investment. Even worse, what if I get hit by a bunch of issues all at once, my emergency fund has already taken a hit, and I can’t afford to pay so much in one fell swoop. The Promise Visa provides an option to avoid predatory lenders. At a 9.99 percent APR, I could take on the debt at a relatively low interest rate. I could always elect to do a balance transfer later or shop around for a personal loan at a lower interest rate – once matters had calmed down. Credit cards are not the ideal way to manage your debt. Their interest rates are often higher than personal loans or a personal line of credit -– assuming you have an excellent credit score. Anything less than an excellent credit score often leads to loan interest rates in the double digits. But sometimes you need to make a payment quickly, and don’t have time to shop around for the cheapest alternative. Personally, I view this type of credit card as a fire extinguisher housed in a glass case. You don’t want to break that glass unless you really, really need it. But you do want the fire extinguisher to

be there.

Why the PenFed Promise Visa? I did my due diligence. As of this writing, PenFed is unbeatable in terms of APR, and it has no hidden traps, no fees and – perhaps even best – simplicity. Recently, MagnifyMoney.com (as mentioned before, my employer) awarded the PenFed Promise Visa our first A+ transparency score. The Promise Visa only has one page of terms and conditions, no penalty APR and no annual fee. You do need to be a member of PenFed to apply, so if you aren’t already a member it will cost $20 to join – $5 to keep in an active savings account and $15 one-time donation. However, PenFed also offers incredibly low interest rates on mortgages and auto loans, so it’s a shrewd move to become a member. The Best vs. the Worst Let’s compare this A+ credit card to one of the worst one the market

today.

PenFed Promise Visa offers no annual fee; introductory APR of 7.49 percent for 36 months, then a set 9.99 percent; no penalty APR; and credit limit ranging up to $50,000. First Premier Bank – America’s 10th largest issuer of Visa and MasterCard (MA) – offers what can only be described as an F-level credit card. Potential cardholders need to pay a $95 processing fee to even apply for the card. Once approved, they’ll owe a $75 annual fee. In year two, the annual fee is $45, but cardholders have to pay an additional monthly servicing fee, which costs $6.25 a month (or $75 annually). To top it all off, First Premier Bank charges a 36 percent APR and includes heaps of fine print, including disclosure that the credit limits are $300. Customers would need to spend $170 for a $300

credit limit.

Diversification is Key Diversification is a fundamental concept for anyone learning about personal finance. However, while must discussions on the topic rightly focus on diversifying your investments, a similar case can be made for financial products. Savvy consumers should always be on the hunt for the best deals and integrating them into their financial portfolio. Even if you’ve covered the bases on emergency planning, it’s smart to include some diversity and redundancy in your financial arsenal. The CSS Beautifier is a brilliant free online tool to take care of

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0 notes / Read More → AFTER RECENT GAINS, MORTGAGE RATES HEAD BACK DOWN WASHINGTON – Average U.S. long-term mortgage rates edged lower this week, approaching their lows for the year. The benchmark 30-year loan rate hovered near 4 percent. Mortgage company Freddie Mac said Thursday the nationwide average for a 30-year mortgage slipped to 4.01 percent from 4.02 percent last week. The 30-year rate, which stood at 4.53 percent back in January, now is at its lowest level since June 2013. The average for a 15-year mortgage, a popular choice for people who are refinancing, ticked down to 3.20 percent from to 3.21 percent. Long-term rates recovered in recent weeks following a five-week decline that had sparked a wave of homeowners looking to refinance mortgages at a bargain rate. To calculate average mortgage rates, Freddie Mac surveys lenders across the country between Monday and Wednesday each week. The average doesn’t include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the

loan amount.

* The average fee for a 30-year mortgage was unchanged from last week at 0.5 point. The fee for a 15-year mortgage also remained at 0.5

point.

* The average rate on a five-year adjustable-rate mortgage rose to 3.02 percent from 2.97 percent. The fee was steady at 0.5 point. * For a one-year ARM, the average rate declined to 2.43 percent from 2.45 percent. The fee held at 0.4 point. 0 notes / Read More → HOW TO BEAT THE BANK BY BECOMING THE BANK Banking in some form has been around for thousands of years. It is responsible for untold wealth for lenders – and the model can be replicated by average families to create and preserve wealth. We’ve only been trained to be the borrower. We know about credit scores, debt to income ratios, payments and interest rates. Almost none of us have been taught how to be the lender and make all the money because banks don’t want us to know the secrets that have sustained them for generations. Interest Volume and Velocity Banks care much more about interest volume on loans instead of loan rates. Interest volume is the amount of any payment that goes to the bank in interest (profit) and how much goes to the borrower in the form of loan pay-down. If you take out a 30-year mortgage at a 4 percent, and your principal and interest payment is $1,000, about $900 will go toward interest in those early years and only $100 toward the pay-down. Banks do not see that loan as a 4 percent loan but rather a 90 percent interest volume loan. This is why they love to refinance older loans. The rate may be less, but the total of your payments will increase dramatically. You might have gotten your mortgage down to 60 percent interest volume, but rates are down, and you are supposed to refinance to save money – correct? Rethink that broke personal finance business model, because you are making the banks richer at your family’s expense. Take 20 minutes and add up all the payments you have paid on everything you have ever owned. The next way banks make money is interest velocity. This refers to how many times they can take deposits and loan them out or turn over the money, thus creating another payment stream back to the bank. When this process is repeated in a massive way, it is a solid, predictable way to create wealth regardless of stock market performance. Take 20 minutes and add up all the payments you have paid on everything you have ever owned. This is all the money that has left your life and entered the banks’ life as payments. Now add up all the liquid money you have in your individual retirement account or 401(k). Which number is bigger? Most of the time, it is the banks by a

whole bunch.

You can stop that madness by taking some of your own capital (all at once or built up over time) and make your own loans to yourself and create payments back to yourself. Maybe you could finance your own car and make money on the car instead of getting killed in depreciation and interest. This is fifth-grade math but flies in the face of conventional wisdom. You also might start making safe loans with great collateral to other people and businesses. The Secret’s Inside Your Life Insurance Once you decide you need to be the bank, where do you pool your funds for maximum results? The answer is inside of a correctly designed high-cash-value whole life insurance policy. When you fund one of these policies, you get many benefits, and one of the biggest is the ability for your money to grow tax-free even when you borrow the money out of your policy. When you pay your policy loans back, you free up that cash to be used again (velocitize) and maintain a pool of money that should always be used as your family bank. To set up your family bank inside of a whole life policy, you need a policy that will give you high cash value and lock in your premium for the life of the policy. Make sure the carrier has a good “paid up additions rider” that allows for high cash value and small amounts of permanent insurance to be bought with your paid dividends. Make sure the carrier will credit you your growth and dividends on the money you borrow out. For example, you fund a policy with $50,000 and borrow out $40,000 right away from the cash value. I know of carriers who are paying out 6.4 percent dividend if you don’t borrow out your money. If you borrow out the money, they will reduce the payout to 4.4

percent.

This same carrier will charge you 5 percent simple interest on the money you borrow. You pay out 5 percent simple interest and get credited 4.4 percent compounded annually, giving you a cost of funds of 0.6 percent. Where else can you borrow money with zero credit check or qualifications for 0.6 percent simple interest? The only downside is the cost of insurance, which can be overcome in the first few years with strong funding of the policy. What will happen in the near future with strong funding is the insurance carrier will owe you more in dividends than you owe them for your minimum premium. That point this occurs is called self-completing. I believe all the benefits mentioned far outweigh an insurance premium. Where Do the Banks Stash Their Assets? Your family bank will allow you to recapture depreciation on big-ticket items like cars. This structure will allow you to borrow money quickly regardless of credit, income or job status. Imagine you recapturing all the payments you are now giving to a bank systematically making them rich and redirecting those payments back to an insurance policy that grows tax free and guaranteed. This is a powerful rethink on the traditional financial model. Before you buy into the myth that whole life insurance is a lousy place to put money, ask yourself why banks have tens of billions of dollars of their tier one core assets in these types of contracts. Also, why do major corporations have boat loads of their money in these same structures? This is on top of the famous family dynasties that have been using these types of policies for generations to grow and protect wealth. If it were such a lousy place for money to be placed, why do institutions with all the wealth use them extensively? The simple fact is that when these are constructed properly, they are great places to grow and protect wealth. They also provide easy access to most of the funds to start your own bank and put volume and velocity on your side instead of the banks. John Jamieson is the best-selling author of “The Perpetual Wealth System.” Follow him on Facebook and Twitter. Generate the CSS style for border radius, fonts, transforms, backgrounds, box and text shadows with the online CSS code generators. 0 notes / Read More → IS YOUR BANK READY TO AGE WITH YOU? Banks can be daunting places for older adults, especially those with cognitive, physical or hearing impairments. The glass barrier that typically separates a customer from a bank teller can make it difficult for older adults to hear clearly, and if they have to stand in a long line and then remain standing to talk to the teller, it can be taxing. Older adults with caregivers often face other hurdles, since many banks don’t yet offer specialized financial products aimed at caregiver relationships. AARP notes that banks should pay attention to the concerns of their older customers, who represent a growing customer base. Americans over age 50 own 67 percent of bank deposits and control 70 percent of the nation’s assets, according to AARP. With the population of those age 65 and over set to double within the next 30 years, the deposits owned by older adults are also poised to balloon. “Banks are now seeing a business reason to be involved,” said Judith Kozlowski, chief counsel at FINRA, an industry self-regulatory organization, at the Gerontological Society of America’s 2014 meeting in the District of Columbia. As a result, some banks, including Bank of America (BAC) and Wells Fargo (WFC), have launched initiatives to make sure they offer this older demographic the

services they need.

Cognitive Decline?

Even adults in their 60s and 70s who are otherwise healthy start to face cognitive declines when it comes to managing their finances, including difficulty in spotting potential fraud or managing their bills, according to research by Daniel Marson, a professor of neurology at the University of Alabama–Birmingham. “Your banker might notice before anyone else in your life that you’re facing cognitive decline,” says Debra Whitman, AARP’s executive vice president of policy, strategy and international affairs, speaking at the GSA conference. That’s why she says it’s important for bank tellers to be trained to spot potential fraud targeting older adults as well as help customers who might need extra

assistance.

Making financial management easier and more transparent for caregivers is also important, according to Elizabeth Costle, director of the AARP Public Policy Institute’s consumer and state affairs team. At the conference, she highlighted research showing that many caregivers find the financial management component of caregiving difficult and stressful. But when properly supported by financial institutions, she says caregivers can better help loved ones make financial decisions and also be on the lookout for scams. Since many banking customers stick with the same bank throughout adulthood, it’s not too early to check if your bank is prepared to age with you, even if you are still decades off from needing extra assistance. Here are five signs your bank is ready to age with you: 1. Extra Fraud Alerts Some banks, like Wells Fargo, have launched internal units to crack down on fraud aimed at older customers. They have systems in place to alert family members if there are concerns about fraud on an account, and bank tellers are trained to spot suspicious behavior, like large withdrawals. Some banks also offer real-time alerts to family members about unusual transactions and delay money transfers to provide more time to investigate suspicious requests. Some banks even check in with older clients if they go long periods without hearing from them. “Social isolation is part of the problem,” says Kozlowski, referring to why seniors are so vulnerable to fraud. 2. Physical Space that Is Friendly to Older Adults When you walk into your bank, is there a place to sit while talking to bank tellers? Is the area well lit and do the tellers speak loudly, with the option of communicating without the glass partition in place? Do they offer to write account balances in large font if necessary? “It goes well beyond ADA compliance,” Whitman says, referring to the Americans with Disabilities Act. It means fostering an age-friendly culture, she adds. Even simple changes from banks, such as training tellers to write account balances in large numbers, talking louder or more softly as needed and making it possible for people to sit down instead of stand while conducting business at the bank can help older customers, she says. 3. Providing Services Outside the Bank Sometimes, older customers find it much easier to conduct business outside the bank, from home or another location. Notary services in particular should be offered outside the bank’s walls, Whitman says. That way, if older clients need help with something like finalizing wills, they can do so from the comfort of their own home. 4. Caregiving-Specific Products Banks that make it easy to add a name to an account for monitoring, without transactional authority, can help older adults avoid fraud. Having a second or even third pair of eyes observing all transactions offers a line of defense against scam artists, Costle says. Banks can also make it easier to pay bills from someone else’s account, so a caregiver can more easily handle bills and prevent commingling of funds, she adds. Some banks also offer educational programs and information to caregivers who take over financial management for their

loved ones.

There are other new products, like the prepaid Visa (V) debit card True Link, that are designed to help seniors and their caregivers avoid fraud. A caregiver can put money on the card and then set spending limits for different categories, add real-time alerts, turn the card on or off and even block specific stores. If an older adult has overspent on a certain charity or retailer in the past, then the caregiver can use a blocking feature so the card won’t work for a

particular expense.

5. Sensitivity to concerns and needs of older clientele A general awareness and sensitivity to the issues that come up for older banking customers can go a long way toward providing age-friendly services, said Marie-Therese Connolly , a senior scholar the Woodrow Wilson International Center for Scholars and former director of the Department of Justice’s Elder Justice and Nursing Home Initiative, at the GSA conference. Bank tellers trained to notice red flags, like when a new spouse or caregiver attempts to withdraw large amounts of money from an account, can help prevent fraud and

abuse.

“We can’t investigate or prosecute our way out of this problem. We have to prevent it,” she says, adding that it’s not just money that’s at stake. Financial exploitation among older adults is associated with an increase in morbidity and likelihood of family members sending their relatives to live in a nursing home. “Elder abuse tips over lives. They become less independent and more dependent on caregivers,” she says. 0 notes / Read More → HIGH COURT RULES FOR HOMEOWNERS IN MORTGAGE DISPUTE WASHINGTON – The U.S. Supreme Court on Tuesday ruled in favor of homeowners seeking to back out of mortgages when lenders are accused of failing to follow a federal “truth in lending” law. On a 9-0 vote, the court handed a win to an Eagan, Minnesota couple, Larry and Cheryle Jesinoski, over the $611,000 loan they obtained in 2007 from Countrywide Home Loans, now part of Bank of America (BAC). On the technical question before the justices, the court said homeowners need only write a letter to the lender, as the Jesinoskis did, and don’t need to file a lawsuit in order to benefit from a provision of a federal law known as the Truth in Lending Act. The law allows consumers to rescind a mortgage for up to three years after it was made if the lender doesn’t notify them of various details about the loan including finance charges and interest rates. The Jesinoskis filed their notice right before the end of the three-year period and filed a lawsuit a year later after the bank said it was disputing the claim. The language of the law “leaves no doubt that rescission is effected when the borrower notifies the creditor of his intention to rescind,” Justice Antonin Scalia wrote on behalf of the court. The provision is typically used by homeowners who are struggling to pay their mortgages. Lawyers for consumers say mortgage companies routinely violated the law in the years prior to the 2008 financial crisis. Lenders contend that notice is not enough if the bank in question disputes the homeowners’ claim. Appeals courts had been split over what homeowners have to do to trigger this rescission process. The Jesinoskis appealed a lower-court decision that favored Countrywide. The Supreme Court reversed that

lower-court ruling.

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page.

What we’re doing … is removing friction from path to purchase. Users earn rewards points for uploading images to the app or for shopping another user’s look. These commissions can be as high as 20 percent of the sale, depending on the retailer’s relationship with Stylinity, and can be redeemed for cash, products or other perks. Stylinity is working with 180 retailers, including Barneys New York, Urban Outfitters (URBN), Nordstrom (JWN) and Ann Taylor (ANN). “What we’re doing … is removing friction from path to purchase,” said Tadd Spering, founder and CEO of Stylinity. A recent report by PricewaterhouseCoopers highlighted the importance of social media for retailers. According to the firm’s global online survey of nearly 20,000 shoppers, 62 percent of respondents said that interactions on social media had led them to buy more in “most” or

“some” cases.

It also found that more than one-third of shoppers follow some of their favorite brands or retailers on social media. Still, the road to making the platform profitable has been largely unsuccessful for retailers, who get only about 1 percent of their sites’ visitors from social media pages, according to IBM (IBM). Some independent companies, however, have made significant strides for their retail clients. One such company is Curalate, which through its Like2Buy platform makes Instagram shoppable for its nearly 200 retail customers. According to the visual marketing and analytics firm, people who use the tool click through on Instagram posts that utilize it 65 percent of the time. These users also spend 30 percent more time on a retailer’s site than a traditional mobile visitor. Social media platforms are also looking for ways to drive profits for retailers. In September, Twitter (TWTR) announced that it would test a “buy” button, allowing shoppers to purchase items directly from a

Tweet.

Spering declined to share specifics on Stylinity’s user base or number of posts, but said the platform has seen 19 percent average weekly user growth in the last three months. He said he’s bullish on the outlook for social media in 2015, particularly as retailers begin to tap into the potential of user-generated content. That’s because many shoppers find this type of content more trustworthy than posts coming straight from the brand, he said. “I think it’s going to be a great year for social commerce,”

Spering said.

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only once a month.

Short of running a credit check before every first date, there isn’t much a person can do to ensure someone is financially stable before starting a relationship. There are many people who have great jobs and impressive incomes, and yet they are struggling with a mounting pile of debt. Some may even present themselves as having a great deal of disposable income, which means by the time you learn about their behind-the-scenes debt, you’re already in too deep. What should you do if you find yourself in a relationship with someone who has

substantial debt?

Why You Might Be Tempted to Pay Off Your Partner’s Debt Once a relationship begins to get serious, many people ask the question, “Should I help pay my significant other’s debt?” This often comes into play when a couple considers taking on a major financial obligation together, such as purchasing a house. Having low debt and a great credit score becomes more important than ever, which could lead a person to want to pitch in and help their partner. In recent years, many Americans have fallen on temporary tough times. One job loss can wipe out a person’s savings and lead to tens of thousands of dollars in credit card debt. Whether you met someone after he had recovered from tough times or those tough times occur after you met, should you pay a significant other’s debt? Unfortunately, the issue is never black and white. There are several factors that come into play when making that decision. The Underlying Issue That Led to Debt At its heart, a significant other’s debt goes much deeper than the overdue notices coming in. How does he respond to financial troubles? The key to a relationship’s survival amid financial troubles is whether or not they each share the same basic philosophies when it comes to savings and spending. If one partner spends every dollar as soon as it hits the bank account and the other is thrifty, eventually the separate views can tear a couple apart. Another thing to consider before paying off a significant other’s debt is the nature of that debt. Was it incurred as part of a brief bad spell or did the person just irresponsibly blow thousands of dollars? If the debt is a result of someone not paying court-ordered bills like judgments or child support, the underlying issue becomes even more important to the future of your relationship. Debt and Married Couples vs. Unmarried Couples Your decision regarding paying off a significant other’s debt is likely very personal and unique to you. Your friends and family may weigh in on the issue but even a financial adviser is likely to ask a few qualifying questions before offering advice. A married couple may have more protections in place if the relationship doesn’t work out, since courts will look at debts and assets and divide them according to local laws. An unmarried couple won’t have those protections and if the relationship ends, you may regret putting significant money toward the other person’s debt. Perhaps the biggest problem with paying someone else’s debt is that it’s only a temporary measure. The indebted person may even be currently adding more purchases to the bottom line. It’s not enough to simply throw money at the problem, and this could result in the problem just getting bigger and harming both partners instead of just the person with debt. It would be far more beneficial to try to help the indebted partner to pay off the debt in a planned manner, using the income he brings in each month. You could even offer to pay all of your regular shared bills in the meantime to allow the person to focus on getting those debts paid off. 4 Signs You Shouldn’t Take On Your Significant Other’s Debt While there are some instances where paying off a partner’s debt is a good idea, there are many more instances when you should refrain. Here are a few situations where it’s a bad idea to pay off your significant other’s debt. * It puts you in debt. Never take out a loan or wipe out your savings to cover your significant other’s debt if it puts you in a precarious financial position. You should only consider helping when you can do so without putting yourself in debt or eating into your

emergency fund.

* Your significant other is hiding things. If your partner isn’t completely transparent about his financial situation while asking for money, don’t agree to help. * Your intuition tells you no. While experts and loved ones can advise you, your inner voice likely tells you more than they can. Also, if everyone in your life is against lending your partner money, you probably should question why there’s such opposition. * It threatens your own credit. This includes co-signing on loans, which can cause long-term damage to your own credit. Within a marriage, helping with a spouse’s debts may be necessary in order to qualify for large shared purchases like a new home. However, for couples that aren’t legally bound, any payments you make toward the other person’s debts could be lost if for some reason your relationship doesn’t work out, or could divert your money away from your own important financial goals. Be sure you know the risks before making the commitment to help. Remember the Windows XP operating system? You can work with it online at GeekPrank.com and trick your friends. Aslo check this references for more information on this topic. https://musescore.com/harshverma2030 https://slashdot.org/submission/11494956/common-requirements-for-online-banking https://www.drupal.org/u/leonardallen2030 https://www.lonelyplanet.com/profile/leonardallen2030 https://speakerdeck.com/harshverma2030 https://forums.iis.net/members/harshverma2030.aspx https://social.microsoft.com/profile/joshuawilliams22/ https://www.toolbox.com/user/about/HarshVerma-000002 https://sketchfab.com/harshverma2030 https://500px.com/harshverma2030 0 notes / Read More → CHARGED FOR THE FUTURE Amara Raja Batteries (ARB) is a mid-cap, battery manufacturer and supplier having technical backing of Johnsons Control of the US, the world’s largest battery manufacturing alliance. The company is a pioneer in valve-regulated lead acid batteries. It primarily caters to two segments: automobiles constitute 53 per cent of its revenues and the rest comes from industrial applications such as telecom, power and IT. ARB has the largest single-located manufacturing facility in Asia at Tirupati. In the automotive segment, the company commands 25 per cent in the original equipment manufacturing space and 30 per cent in aftermarket business. While telecom brings in 60 per cent of the industrial segment revenues, UPS, railways and power utilities constitutes the rest. To cater to the improved efficiency requirements in industrial batteries, ARB had launched a new product, Amaron Volt, in 2010. It propelled ARB as the leader in telecom and UPS business in financial year 2011 (FY11). Financial Performance. In the last decade, ARB has witnessed an 11-fold revenue growth from Rs 152 crore to Rs 1,764 crore. This translates into an annualised growth of 31 per cent. The profits over the same period have grown at 26 per cent annualised to touch Rs 148 crore during FY11. ARB’s operating profit margins have been unstable over the years, with margins for FY11 at 12.61 per cent, down from 17 per cent in FY10. This was primarily due to the volatility in lead prices. During the last financial year, the metal traded in a wide range between $1,700 and $2,600 per tonne. In spite of that, the company’s margins have remained over 10 per cent in the past five years. This shows that it has the ability to pass on the increase in prices to customers. The company’s return on equity for FY11 was 24.90 per cent. ARB has a strong balance sheet, with its debt-to-equity ratio at 0.14 times. During the first half of FY12, it clocked a 28 per cent rise in revenues and a 34 per cent rise in net profits. Investment Rationale. The four-wheeler industry has seen a downturn with most component makers facing a slowdown. ARB, since it derives about 60 per cent of its auto segment revenues from the replacement market, will therefore not only be able to weather the downturn, it may witness growth from the replacement market with its established Amaron brand. Its ongoing capacity addition in four-wheeler and two-wheeler battery plants, from the existing 4.2 million to 5.6 million and 3.6 million to 5 million units, respectively, will be completed this year. This will help it grow its revenues by venturing into geographies outside India. At the current market price of Rs 208, the stock trades at 12 times its FY11 earnings and can be purchased considering its long-term growth

prospects.

Also check this sites for more information. https://seekingalpha.com/user/51561731/ http://harshverma.brandyourself.com/ https://gitlab.com/harshverma2030 https://www.vocabulary.com/profiles/B0R59F0IEG3KW4 https://social.technet.microsoft.com/Profile/JoshuaWilliams22 https://myanimelist.net/profile/leonardallen2030 https://devpost.com/malorie1 https://www.etsy.com/in-en/people/wtofztgn https://www.boredpanda.com/?p=2161947 https://www.mixcloud.com/leonardallen2030/ 0 notes / Read More → IF YOUR WORDPRESS BLOG IS LIKE A BOX OF TWINKIES THEN CONSIDER REMOVING THE POST DATES By default, WordPress puts dates on all blog posts. This is perfectly fine if you run a news feed or blog about current events such as politics, sports or celebrity gossip. But what if your blog publishes quality content that stays fresh for months, or even years? Putting dates on this type of blog makes about as much sense as putting an expiration date on a box of Twinkies (which apparently they

do by the way).

Many readers will check the date of an article or blog post prior to reading it to ensure they are reading current, fresh material. If a reader comes to one of your blog posts dated a year or even several months ago, chances are they may see the date and back out of your website to search for a more current article, even if your content is

still relevant.

By removing the dates from your posts, visitors have no way of knowing when articles were posted unless they check the dates on the first several comments. As a result you may notice visitors staying longer on your site and therefore a decreasing bounce rate, especially on

older posts.

There are several ways you can remove the dates from your blog. I find the easiest way is with a free WordPress plugin called Date Exclusion SEO. This plugin is easily installed and configured from inside your WordPress admin. You can also download it here and use an FTP program such as FileZilla to move it to the plugins directory

of your blog.

Configuring Date Exclusion SEO is easy. You have the choice to remove dates from either all posts or specific post IDs as well as tag pages, category pages and the front page. You can also set the dates to be removed after a certain number of days. Check out the video below for a demonstration of the plugin and feel free to share or comment if you found this tip helpful. This document was edited with the online HTML5 composer. Please subscribe for a htmlg.com membership to remove similar messages from the edited documents. Do check other references given below. https://express.yudu.com/library/1271859/Harsh-Verma-s-Library https://www.intensedebate.com/people/harshverma2030 https://www.spreaker.com/user/leonardallen2030 https://slides.com/harshverma2030 https://pastebin.com/u/leonardallen2030 https://www.wattpad.com/user/leonardallen2030 https://trello.com/leonardallen2030/activity https://soundcloud.com/user-476916581 https://www.midomi.com/index.php?action=main.profile&username=harshverma https://www.instructables.com/member/JoshuaWilliams22/ 0 notes / Read More → HOW TO CHOOSE A DOMAIN NAME THAT ROCKS!!! Okay, so after many painstaking hours of researching keywords and niches, you’ve finally narrowed your search down to a niche that you’re sure will be a real bread-winner. The next step is to choose a domain name. This shouldn’t be just any domain name. This is the first impression most people will see when they visit your website, not to mention referral links from other websites. It can also play a great big factor in your site’s SEO (or Search Engine Optimization if you just landed on Earth). That’s right. Search engines tend to favor sites with the main keywords included in the domain. The process to choose a domain name is fairly simple, but you have to put some considerable thought into it. Why? Because once your site is pretty well established, you’re stuck with it for the long haul… That is unless you want to start all over again. Begin by deciding what type of site you are going to build. Are you trying to build up a brand, promote a product or build a keyword rich

authority site?

What’s the difference? A site designed to build up a brand name usually uses a company’s brand name or similar for the domain. An example of this would be, if you’re name were Greg and you are starting a blog about gardening, you might choose a domain name like gardeningwithgreg.com. This domain is designed to promote the brand “Gardening with Greg”. This site, www.majormoneytips.com

uses a “brand

building” domain name as well. If you were building a website for a local business with a physical storefront, usually you will want to use a “brand building” domain name because a lot of people will use the internet to search for the actual name of the business (or brand) in addition to the products and services that business offers. A keyword rich authority site on the other hand will have a domain name that exactly matches the main keyword targeted for that site (or close to it). If you want people to find your site for the key phrase: “garden fresh salsa recipes” then you would want the domain of your authority site to be “gardenfreshsalsarecipes.com” or “bestgardensalsarecipes.com” etc. You would then keep adding more and more “high quality” content to the site using a variation of your main key phrase with each new piece of content added. There is a lot of potential with authority sites. If they are built correctly and use the proper SEO techniques, they can make a lot of passive income simply by adding Adsense or Amazon affiliate links to

the content.

CLICK HERE to learn how to make over $100k per year building authority

sites

Another thing to consider is the potential growth of your website over time. For example, hippieweddingdresses.com may have worked for a micro niche site prior to the Google zoo updates (Panda & Penguin), but if you’re building large authority site, then a domain such as uniqueweddingdresses.com may allow for more possibilities to expand the content offered. An authority site usually has a bare minimum of 20 articles, but the more the better. Do you think you could write 20 unique articles about hippie wedding dresses? Maybe you could but I know I would have a very difficult time. On the other hand, the keyword “unique wedding dresses” offers a much more broad range of micro niche keywords within itself. You could write articles targeting keywords such as hippie wedding dresses, camouflage wedding dresses, wedding dresses for the beach, duct tape wedding dresses, etc., because each of these keywords fall under the “unique wedding dresses” topic. More of these types of keywords can easily be discovered using Google Suggest or the Google Keyword Tool as shown in the above video. What if my site will be used for promoting a popular affiliate product

or brand?

Promote away but be careful when choosing your domain name. Unless you have written permission from the source, stay away from using product names or brand names that you don’t own the rights to. Wouldn’t it suck to be making $100 per day from your “DiscountAmazonKindle.com” site when you receive a Cease and Desist letter from Amazon and are forced to delete the domain name? Spencer Haws over at Niche Pursuits wrote an excellent article explaining why he no longer takes the risk with buying branded domain names. He also gives some great alternatives. You can read his

article here:

http://www.nichepursuits.com/should-you-buy-branded-domains/ Does the top-level domain extension really matter?

Short answer: Yes!

When people think about a website or the internet in general, one of the first things to pop in their minds is “.com”. This is because the “.com” extension is and always has been the most popular website extension. You may find that a lot of your visitors may arrive at your site by directly typing your domain name into the address bar of their web browser as opposed to search engines or referrals from another site. If these visitors type the wrong web extension, you could be missing out on paying customers who cannot find your site or worse yet, arrive at a competitor’s site with their wallets wide open. If the .com domain name you want is not available try contacting the owner and see if they would be willing to sell it. Be prepared to pay a premium price though. Another thing you can do is add a prefix or suffix to the domain you are after. If examplesite.com is not available then maybe consider bestexamplesite.com, examplesiteblog.com or examplesitestore.com. If you’ve exhausted all ends and absolutely cannot find a .com domain for your site, your next choice should be .net and .org in that order. Obviously if you are trying to build a brand, you may seriously want to consider buying all three and setting up the .net and .org to redirect to the .com extension. This will eliminate the possibility of someone setting up a site on one of these other domains in effort to try to get a portion of your visitors. Unless you are designing a website for a government agency (.gov) or an educational institution (.edu), stay away from the cheaper, lesser known domain names such as .biz or .info. These may cost you as little as $2 – $3 to register but people know they are cheap and will therefore make you and your brand appear cheap as well. Country specific top-level domains such as .ca (Canada) or .uk (United Kingdom) may be used if your site will only be targeting visitors within those countries, otherwise stick with a .com.

A Super Cool Tool

A while back Keith Everett of askthetipster.com did a great video tutorial about how to use “Bust a Name” to discover domain names that most people would overlook. Check out his video below and give him a big ole’ “like” if he helped you out. Can I choose a domain name with a hyphen? I’ve heard somewhere that the general rule of thumb is to use no more than two hyphens in a domain name. I tend to agree with that but if possible, lose them completely. The idea is to make the domain name as easy to remember as possible. This is especially true if you plan to do a lot of offline promotion with classifieds or yellow page ads, business cards or especially radio where you expect your visitors to type your domain into a web browser. In some cases however, a hyphen will break up multiple words of a domain making it actually easier to read and remember. Just use discretion and always be thinking of ways to make it easier for the

end user.

Speaking of making it easier, try to keep your domain name to no longer than 25 characters although shorter would even be better. Also avoid abbreviations and using numbers in place of words. For example: methods2success.com or thegr8estworkouts.com. Remember, make it easy for people to find and remember your site. ALERT! Cost savings ahead Before you go out and spend your hard earned money for a full priced domain name, check to see if there are any coupons out there that you can use to discount your order. I buy my domains from GoDaddy.com and I can’t speak for some of the other domain registrars but GoDaddy offers coupons and discount codes on a regular basis. I’ve seen discounts of up to 30% off your order with no minimum purchase. Just do a Google search for “GoDaddy coupon codes” (or Namecheap, etc) and see what you can find. I’ve never paid full price for my domain names and you shouldn’t either.

In Conclusion…

Definitely invest some thought and research when you choose a domain name for your website. Otherwise you may regret it later down the road. Decide early on if you will be building a brand name or go the route of the authority site. Try to find a .com over all other top-level-domains and always be thinking about ways to make the domain name easy to type and remember for the end user. Oh yeah, and don’t forget to take advantage of coupons and discounts whenever

possible.

Leave me a comment below to let me know what you think, also check this references too. https://www.codecademy.com/profiles/board5629144935 https://www.kaskus.co.id/post/5e99906efacb95112a152a33/1#post5e99906efacb95112a152a33 https://issuu.com/joshuawilliams22 https://hackerone.com/harshverma2030 http://www.authorstream.com/harshverma2030/ https://github.com/JoshuaWilliams22 https://ecastats.uneca.org/acsweb/cr/UserProfile/tabid/866/userId/821850/language/en-US/Default.aspx https://www.wantedly.com/users/135272877 https://ello.co/harshverma2030 https://www.producthunt.com/@leonardallen1 0 notes / Read More → next >> archive message theme

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