Saturday, December 30, 2017

Best Bank Mobile Wallet for Android

Do you have many cards in your wallet? How many credit cards, debit cards, or other cards in your wallet? I’m sure a lot of you have more than one card in your wallet or purse. The bulk in your wallet can be tiring and looks very distracting. You will need a tool that can help you simplify your cards. You need something that can keep all of your cards without having a bulk. You need something very practical. 

These days, everything are made more practical help us do our activities a lot easier. To keep all your cards in one place but you can access them in one go there might be perfect tool for it. There is now a mobile app that can be the solution to keep all your cards. A mobile wallet comes to you as a replacement of your wallet or purse to keep all your bank cards perfectly. You can access and use all your bank cards easily through your mobile device. The app is very useful for you who live in this modern era. Best bank mobile wallet for android is available for you can choose. 

Perfect Solution for Mobile People

In this modern era, everything is more practical, easy and fast. Everything we can obtain only by using our mobile phone or mobile devices. A lot of mobile apps are created to provide people more services and help people do their activities a lot easier and faster. For you who have more activities in payments or banking that you need to keep more than two cards in your wallet or purse, there will be a perfect app. Best bank mobile wallet for android is the perfect solution for mobile people. There some selection of mobile wallets but only three of them are the most widely used. Apple Pay, Samsung Pay, and Android Pay are the three bank mobile wallets currently most widely used. But no worry, there are other options of mobile wallets you can select that work in all devices. Capital One Financial Corporation’s (COF) Capital One Wallet, Wal-Mart Stores, Inc.’s (WMT) Walmart Pay,and the ubiquitous Starbucks wallet app are other popular wallet apps.

Choose the best bank mobile wallet for android to manage your credit and debit cards payment transaction. Moreover, this app is also able to track customer loyalty programs and gift cards. It is more than replacing your wallet or purse. It can do beyond your wallet. Furthermore, you may not believe it but this app’s transactions are safer or more secure than by swiping your cards physically. It’s due to the encryption and tokenization this app used. It is for the sake of your convenient and safety. Besides, using this app we can get quick transaction. Mobile pay is completed even more quickly than chip card. Those advantageous can be your considerations in using this bank mobile wallet for android. Select the best app to be put in your mobile device and you can do all the financial activities faster, more practical and more secure than what you used to do with your bank cards.

Friday, December 29, 2017

How to Get Debt Free with No Money ?

Mostly when some people are wondering on how to get debt free with no money, they will not get the satisfying answers. Most websites only tell the people to save up, pay minimum debt regularly, make a list of debts by the laddering system from the debts with the highest interest rate, and even many more. Frankly speaking, those ways are indeed useful and they will obviously work out if the people have a lot of money. In fact, for the people who are stuck in shoestring budget, they need a way out of this problem too. As people who earn low salary and have lots of debts as well, having more unpredictable expense might lead them to more debts. It feels like digging a new hole to cover up the last hole. When the debts keep going up, it will have impacts for your health. 

Impossible to be Debt Free without Money 

Is there a way on how to get debt free with no money? Apparently yes. It is strange but true that there would not be any ways to get out of those chains of debts. Here are the following ways to get rid of debts without money. 

1.      Make habits and be consistent 

Being stuck in debts means you are having a habit that seems positive to you but negative for others. The easiest example is by shopping. Probably shopping is a good thing to release stress, gain more popularity, make new friends, buy new stuffs which are up to date and fashionable, and many more. It seems positive. In fact, when you do more or extraneous activities that may spend more money that you do not really need and that you may not be able to afford, these habits become something negative. Started from now, you need to make habits of spending money. After that you have to be consistent in it. Making a good start of changing the habit seems good but when you do not have consistency in it, it becomes a waste. 

2.      Never avoid the call from loan

The company or the bank will obviously call you to remind you about the debt you have to pay. Moreover, it will be worse when you still have not paid on the due date. When such a case happens to you, never avoid the call from loan. It is because when you do, you will be such a loser. You will still pay for it, maybe it is a little bit late that is why you should never ever avoid the call from loan. Then the bank will give you trust that you need to have. 

3.      Sell something that you do not really need

Having too many things at home might be turned into money. How come? Selling the secondhand stuffs is on trend now. You can have more money with you so that if some other cases happen unexpectedly, you have the money to cover up a little bit. These are three things on how to get debt free with no money.

Wednesday, December 27, 2017

How to be Debt Free in a Year?

Being debt free gives excitement that can never be replaced with anything else. You will be free from the heavy chain that burdens your life for years. You will feel like you have a blank sheet of life. Imagine that those piles of debt that had been hanging over you are now removed. No matter what kinds of loans or credit cards, debt is not something you will enjoyably love it. If you are still stuck in a condition where you are in the middle of your tons of loans, you might need to read on how to be debt free in a year. 

Be Free Be Happy

How to be debt free in a year? You can obviously do this when you have focus in your mind and patience. Then you will get the clear result in front of you. First of all, you have to list all those debts you have started from the student loans, car loans, payday loans, credit cards, and all. Next to it you have also to write the interest rate. You can start from the smallest interest rate to the highest interest rate. For me personally, when I write the loan with small interest, it seems easier to pay it off first. Whether or not you are having interest in paying off the higher first, it is still fine anyway. 

Second, in case the emergencies come up, you need to have an emergency saving fund. This fund is used to pay off the emergency. It is out of the previous list that is why you have to save up some money for tackling off the emergency. Unless you have emergency case, this can be used for paying off the debt you have in small amount. 

The next way on how to be debt free in a year is that you need to make minimum payment regularly. you have to pay off your debt, right? That is a fact. Then you need to make the minimum payment that you will take it out from your account monthly. If for example you want to pay off the highest debt with the highest rate, it would be much better for you to give more money for paying each card every single month. Furthermore, if you want to have a good record of your credit, you have to pay for the debt before the closing date rather than the due date. 

After that, you need to make a budget and be consistent. This is quite essential since when you have no budget, you can spend your money buying extra items which you do not really need. As budgeting can now be done by the help of the technology, you need no worry of unable to make a budget. Or when technology is not into you, then you can try the old method by saving the money in piggy bank or in an envelope. Whatever the way you think as the best, you can fit these ways into your life. Hope it really works out to you.

Tuesday, December 26, 2017

Creative Ways to Spend FSA Money

In US there is a financial benefit made for employers to be used as a cafeteria’s plan. This financial benefit is called FSA, derived from Flexible Spending Account. It is a type of savings account taken from their paycheck and deposited into FSA. This type of savings is kind of beneficial to employers as it is not subject to federal income tax or either to state income tax withholding. So, the total taxable income of the employers for the whole year is subtracted by the total amount provided to the FSA. The fund deposited to FSA is mostly used to pay their medical expenses, but often for dependent care. However, this account has a limited period to spend. So if the employer does not use his/her FSA during that period, they will lose it for nothing. Then that will be such a waste, won’t that? Now the employers have their creative ways to spend FSA money effectively that it won’t be a waste.

Spend It or Lose It

Having benefits from Flexible Spending Account, many employers use this account to have some medical treatments, such as acupuncture, dental care, LASIK surgery and other kind of treatments. This financial account, need it or not, have to be spend or else you will lose the funds you have collected for a year in vain. In many cases, employers don’t have time or even don’t pay any attention on their health issue, whereas, they have deposited their paycheck each month to FSA for the whole year. This deposited money can only be used as cafeteria’s plan which for medical treatment purposes. If an employer doesn’t use it, he can’t refund it or get it back. In other word the employer will lose the FSA money if they don’t spend it until the deadline comes. What a waste. That’s why they have to find some creative ways to spend FSA money. If you don’t have any idea what to do to spend your FSA, here are ways to spend your FSA money

First, you can spend FSA money to buy your home first-aid supplies for wellness. Stock up your health care supplies at home using your FSA money. This is one effective ways to spend out your last few dollars on some useful items without taking some time to do extra visits to the doctor just in case you have no time due to your tight schedule.

Getting eyes checked up is also one creative ways to spend FSA money. Your FSA money will cover all your eyes treatment expenses. Your Flexible Spending Account will pay your contact lenses, eyeglasses, laser eye surgery, or even your eye examinations. That’s why you’d better take some time to make an appointment with your oculist or ophthalmologist. Schedule up your time to get your eyes comprehensive checked and find whether there are any signs of eyes disorders like cataracts, glaucoma or other severe conditions.

If it happens for you who want to quit smoking, you can use your FSA money to get any comprehensive programs to stop doing this unhealthy habit including therapy, medical treatment, or replacement of nicotine.

Monitoring Credit Score and Credit Report

It has been a fact that having bad credit may have bad impacts in the interest rates when you want to apply for the next loan. It affects your financial so that you will never be able to land your ideal house, plan to buy a car, or even lease an apartment. Credit score and credit report are the ‘image’ that you have financially. Thus, people really pay attention to their credit score and credit report. 

Is Monitoring Credit Score and Credit Report Really Needed ? 

Credit report is the whole summary of your history of your repayment account. It has 3 digit numbers around 300 to 850 that is counted from a formula that I did not really know exactly. Here are a few things that affect the credit score. 
  •     Type of credit: It includes all accounts you have such as the credit cards or auto loans. Actually it does not really matter what type of credit you have. Sometimes the company wants to know what kind of credit you have as the database of their personal information. 
  •      Payment history: It includes the payment you almost do whether it is way before the due date or exactly on the due date. In this part, it clearly shows the payment you did. If you pay the loan late for times then it gives bad record for them. Then the company will think twice or even thrice to give you credit. 
  •     The amount of credit: It includes the limit of loans or debts that you are allowed. When you are declined, the credit score drops.

The worst case is that there are some people who like stealing the credit cards and use it carelessly by using your name. in order to prevent this, monitoring credit score and credit report is highly recommended. The word monitoring means you will be able to watch your credit card statement thoroughly and whenever there is something odd, you will notice as well. If you find something that you think you have never done that before, you have the right to use law to back you up. 

If you think that monitoring credit score and credit report is something impractical to be with, there are some companies which will help you finding the detail of your bank account. In fact, for hiring this kind of service you need to pay for around $650 for a year. If you think that this amount of money is still worth to use, you can continue having it since it brings you many things to solve with. Instead of losing thousand or million dollars, spending $650 seems to be much cheaper anyway. 

For me personally, monitoring credit score and credit report shows what people often ignore related to their personal credit cards. What they think the company can handle is apparently not really their personal matter. That is why when you do not want to take care of your personal credit score and credit report, you will get the results by yourself.