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10 debt settlement companies you can consider in times of crisis

10 debt settlement companies you can consider in times of crisis
Though debt such as student loans, car loans, and mortgage on the house is part of life, it does become a hindrance that affects your savings and future financial goals. As per the Federal Reserve, Americans owe more than $4 trillion in consumer debt, and this number does not account for mortgages. So, if you’re facing crushing debt and want to avoid bankruptcy, you can always engage the help of debt settlement companies. Here is a list of top 10 debt settlement companies that can help you in a financial crisis. National Debt Relief The National Debt relief offers a debt settlement service that lasts for around two to four years and charges a 15% fee. They cover all kinds of debts, including unsecured debts. Freedom Debt Relief With average fees and AFCC accreditation, Freedom Debt Relief is one of the oldest debt settlement companies in the country. They are present in 37 states and have been in operation for over 17 years. Guardian Debt Relief Guardian Debt Relief specializes in working with customers who have a debt of more than $10,000. They usually charge a 20% fee and a monetary fee of $200, which goes into the settlement account.

Common types of investment advisors you can hire

Common types of investment advisors you can hire
Financial planning is a daunting and technically challenging task. Its execution is more difficult without the help of a professional. And that is one of the main reasons why you should find individual consultants and advisory agencies alike to help guide you for proper compliance with regulatory agencies. It doesn’t matter if you are an individual or own and run a business organization, the following certified professionals rank highly among the best investment advisors in the country, representing your case. Certified Financial Planner (CFP) For a broad range of investment services, you can consult with a Certified Financial Planner. These professionals have a general understanding of all investment and financial portfolios. CFPs help in holistic planning and execution of the financial plan to generate the maximum rate of return by diversifying your investment. Generally, CFPs are qualified to provide sound investment advice for taxation, insurance, estate, and retirement planning. Note that CFPs must take several exams and stay up to date, especially in their areas of specialization to provide certain niche planning and advisory services. Armed with all the technical expertise and the latest know-how about financial services, CFPs rank at the number one position among best investment advisors. Certified Public Accountant (CPA) CPAs are experts in taxes and accounting.

A primer on the workings of a credit card

A primer on the workings of a credit card
Credit cards are a boon in these modern times and there is no denying that. A swipe, a touch, a tap, and everything is paid for (yes, you do pay for what you buy, but not until later.) So, what’s the idea behind these swipes? Who is actually paying for the stuff we purchase? Are credit card companies making money every time we use our cards? These are some of the questions that we’re going to try to answer for you. What is a credit card? A credit card is a plastic payment card that is designed to provide us with a certain amount of credit. This amount can be used to make purchases. The only criterion is that you have to pay the money back as per the credit card company’s policy. When you pay the money back, the credit is restored to its original limit. In a way, a credit card is like a replenishable loan. You can keep taking the loan as long as you pay the money back within the stipulated time period. How does a credit card work? A credit card electronically transfers money from one person’s account to another’s. To do this, there are multiple stakeholders involved, namely the issuer, network, merchant, and user.

3 tips for beginners to succeed in online stock trading

3 tips for beginners to succeed in online stock trading
Online trading is one of the easiest way s to invest money.  People can make a lot of quick money in the stock market if they invest in certain stocks at the right time and sell their shares at the right time. Those  who are new to stock trading and online stock trading can use a few tried-and-tested tips to increase their income through the stock market. Tips for beginners 1. Selecting the right online broker As anyone with experience investing in the traditional stock market will attest, the broker plays a key role in the buying and selling process of shares.  This is why beginner investors must choose an online broker with all the support and tools to match their needs and help them quickly get their money in or out of the stock market without taking out a large commission. Essentially, beginner traders must choose brokers prioritizing customer support, trade minimums, educational resources, and account management. Online broker platforms, where everything is streamlined, easy to navigate, and has the scope of teaching novice traders something new, can be invaluable for beginners. In the digital age, brokers may no longer be people but instead apps. Choosing between these trading apps must be done based on their experience, reputation, credibility with clients, and a sense that they will always keep things transparent and communicative for beginner traders.

7 important things to consider before taking cash loans

7 important things to consider before taking cash loans
While many individuals grow up understanding the importance of savings in financial security, unplanned emergencies can arise, leaving them in need of urgent funds. When facing situations like home repairs or health emergencies, cash loans emerge as a convenient solution. But before one signs any agreement related to cash loans, it is important to learn about the borrowing process and its associated factors in detail to make informed decisions regarding one’s financial security. Determine how much is needed One of the most common mistakes people make is borrowing more than they require. For instance, if one only needs $5000, they take $10,000 as a cash loan only because it’s available. While this could help have additional funds at the ready, one should remember that the more they take out, the higher the interest rate on the loan. So, it is advised to take only the amount one needs. Take time with research It is easy to rush into taking a cash loan during an emergency. But to get the best offer, one must always take and do the necessary research. The first option on the internet may or may not be the best choice. The person taking the cash loan must thoroughly consider various lenders and narrow the options before making a final decision.

7 mistakes to avoid when applying for grants

7 mistakes to avoid when applying for grants
Entrepreneurs who want to turn their ideas into full-blown, successful ventures often look for grants to make that happen. As rewarding as applying for a grant can be, many applicants face pitfalls that can diminish their chances of securing funding. Additionally , with many individuals applying for grants , the process has become highly competitive. This also means that aspiring entrepreneurs cannot afford to make mistakes during the application process that could jeopardize their chances of success. Poor research When applying for a grant, one needs to do thorough research on potential lenders, including their priorities and requirements. Applying for grants that are not aligned with the organizational goals, needs, and values should be avoided. As an aspiring entrepreneur, it’s important to steer clear of funding partners with unrealistic or incompatible expectations. Doing adequate research will help increase one’s chances of securing funding. Failing to include supporting documents When one applies for a grant it is important to include supporting evidence to back any business idea. If one is unable to provide the documentation necessary to confirm and validate the proposal, grant reviewers may not consider the application. Not introducing oneself and the venture It is a common mistake to assume that the funder has read about the venture before speaking to the potential entrepreneur.

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4 key things to consider when choosing a new garden fence

Having a fence around one’s property can serve multiple purposes, such as providing privacy, safety, and keeping away animals or keeping pets inside. Choosing the right fence that is compatible with the house can be a challenging task. Therefore, it is important to take some time to consider the various options available on the market before installing a fence. Moreover, there are several important factors to take into account when selecting a new garden fence. Legal responsibility and planning permission This is one of the most crucial aspects that must be considered before deciding on anything else regarding fence installation. If this issue is not sorted out initially, one may end up spending a lot of money and time in the building and installing the fence, only to cancel everything later on.  Therefore, it is important to understand who would be responsible for replacing or repairing a fence if it is a shared entity between two neighbors. This can be found out through property deeds that provide details regarding which boundaries are the legal responsibility of which neighbor. In addition, it is a good idea to have a discussion with one’s neighbors before starting the work. Also, one needs to figure out whether planning permission is required for the new fence. Privacy and security For homeowners who live in urban or suburban areas, security and privacy are two of the key things they need to consider before building a new fence. If one’s home is on a quiet street with fewer people passing through, an open and breezy fence panel like arched top pailing fence panels may work well. But for those living across busy roads or a locality that has a lot of people and traffic moving around, higher fencing styles such as traditional Close Board Fencing Panels or Waney fence panels should be considered.

10 Designer Perfume Deals to Expect for Black Friday 2023

The much-anticipated Black Friday sale is only two months away, so one can start preparing their shopping list. Besides clothing, appliances, furniture, and other essentials, people with a fondness for alluring fragrances can buy perfumes during this time. Labels like Chanel, Armani, and Bond No. 9 are known to have fantastic offers. Based on last year’s trends and current prices, we’ve listed ten Black Friday designer perfume deals one can expect in 2023. Floral fragrances 1. The Dioriviera by Dior embodies a fresh and fruity fragrance. It’s designed to convey modern and romantic impressions inspired by a rose garden. It also emanates a slight warmness of a pleasant, sunny day. Since the Dioriviera launched earlier this year, it’s hard to say how much it will be discounted for Black Friday. However, last year’s trends indicate premium Dior perfumes like these will likely sell for at least 10% less. Both men and women can use it. 2. Jimmy Choo’s Blossom Eau de Parfum spray was marked down by 50% last sale season. It usually costs $60, but one could pick it up for just $30 at Macy’s. This spray c ombines juicy berries, fragrant florals, and creamy sandalwood, creating a sweet, lively party scent perfect for the holiday season. It comes in a striking fuchsia bottle with a dimpled pattern and diamond-shaped lid. 3. The Armani My Way Eau de Parfum combines floral and woody notes. One of the key ingredients, orange blossom, is extracted from hand-picked bitter orange fruits. This perfume currently costs $155 on the brand’s website. However, for Black Friday last year, sites like Beauty BFF let customers save 30% on Armani perfumes with a coupon code. One can hope such offers repeat in 2023. Fragrances for women 4. The Chanel N°5  Eau De Parfum spray has been around since 1921.

4 benefits of wearing a body shaper

Body shapers or shapewear are undergarments that create a smooth foundation beneath clothes by providing a firm, thin layer of compression. They are often worn to create a smooth silhouette across the bust, hips, waist, and thighs. Shapewear is available in a wide range of shapes, styles, patterns, colors, and types, including body briefs, control camisoles, long-leg shapers, corsets, waist cinchers, and so on. The right shapewear can offer the following benefits: Smoother silhouette Whether one is planning an outfit for a casual day out, party, or a formal event, wearing a body shaper underneath can help elevate the look. The right shapewear can smoothen the seams and hide clothing wrinkles so that the outfit looks well-fitted and sharp. It will give a smoother appearance along with a toned silhouette. Further, aging is a natural process that causes muscles to lose their elasticity and suppleness, making the skin prone to sagging. Here, shapewear can help firm up the appearance of loose skin. Improved posture A full-body shaper that covers the complete torso compresses the body and offers a snug fit. This helps in keeping the back straight and maintaining a good posture. The long-term effect of maintaining a good posture while wearing compression shapewear is that one gets used to naturally sitting, standing, or walking with their back straight, even when not wearing shapewear. This may help in alleviating back and shoulder pain while improving the posture. Helps with sweating Thermal body shapers are special types of shapewear designed to stimulate sweating. These are usually available in the form of vests, pants, shorts, and bodysuits. Most of them tend to focus on the midsection. So, those who do not sweat enough while working out can opt for these body shapers that increase the natural body heat and perspiration around the waist and midsection.

Top 10 Tablet Deals to Explore on Black Friday 2023

Black Friday, one of the most anticipated retail holidays of the year, is right around the corner. This year, it falls on November 24. With early-bird sales and holiday season excitement comes the need for preparation. With each Black Friday bringing with it discounts on everything, from kitchen appliances to phones and tablets, one can add all kinds of electronics to their shopping list. So, here are some tablets worth considering on Black Friday 2023: Slate tablets The slate or standalone tablet is the most traditional variant while also being the most popular option. Here, the gadget comes with a big touchscreen, ranging from 5 inches to 13 inches. While these are usually regular-sized tabs, one may also be able to find mini tablets. 1. On Black Friday, shoppers can expect amazing deals on slate tablets, but one must keep in mind that the prices can differ depending on screen size, features, and other specifications. An already affordable tablet, the Lenovo Tab M8, sold for just $79 at Walmart last Black Friday.  2. Last year, shoppers got a $230 discount on the Samsung Galaxy 14.6-inch tab at Best Buy. This deal is worth following up on this Black Friday. 3. Those looking for affordable Samsung tablets can consider the Samsung Galaxy Tab A8. This gadget carried a $60 discount last Black Friday, selling for just $139. With a 10.5-inch display and 32GB of memory, the tablet can be a great Android option for students. 4. Additionally, Lenovo’s 10.6-inch slate tablet model has previously carried a post-discount price of $139 on the brand’s official website during the shopping season sale. With 4GB RAM and 128GB storage, this tablet is great for students and professionals, making it worth considering this shopping season. 5. The Lenovo Yoga tablets have previously sold for $319.99 during the holiday season.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.
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10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!
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