Tools to Help You Secure Your Financial Future

The most important thing you can do in your life is to secure your financial future. If you don’t have to worry about money, you are guaranteed to live a more fulfilling life. You won’t be trouble-free but you’ll be more able to withstand the stresses and find solutions to your problems. Here is a list of tools to make you day productive.
Securing your financial future might sound like a complicated project. It sure isn’t going to be easy but you have many tools around you to help make it more straightforward and pleasant. You don’t need to spend hours solving financial mysteries if you just know what tools to harness.
how to get your finances in order
So, as you begin securing your financial future and ensuring you don’t have to worry about money on a daily basis, these are the tools to use on your journey.

Tools that help you save more

Saving more of what you make is often the first step to securing your financial freedom. If you are spending everything you earn, you aren’t going to leave anything for the rainy day – it really is as simple as that.
Saving without a clear plan and structure can be difficult. To help you get started, a program such as the 52 Week Money Challenge is worth exploring. This particular saving challenge even has its own mobile app that allows you to track how well you are doing.
If you are struggling to hold on to your money long enough to place it on a savings account, you might want to consider opting for Digit. This app will monitor your income and spending, taking small amounts of money every now and then to your savings account. It doesn’t cost anything and you don’t have to worry about transferring the money – you won’t even notice you are saving.
Furthermore, you should also find ways to save money with essential spending. This is easy with websites like uSwitch and OZCodes. The latter will help you find saving codes from online stores ranging from technology to groceries, whereas the former can ensure you compare prices for providers of energy, insurance and the like.

Tools that help you manage your money better

Of course, you won’t ever have anything to save if you don’t learn how to manage your money. It’s one of the most important lessons to learn in life – you need to know how much you are making and how much you are spending and ensuring you never spend more than you make.
Both the App Store and Google Play are full of budgeting apps. You definitely want to try Mint. It’s a popular money-managing app monitoring financial accounts and helping you create a budget. It’s also perfect for checking your credit score and receiving reminders on bills. If you need more tips, Mint also gives them based on your spending habits.
Another good app to keep in mind is Daily Budget. It examines your day-to-day cash flow and gives you a clear spending profile to study. It makes it easy to see where and when you spend; helping you to perhaps change those negative money habits for the better.
If you are struggling with debt, MoneyWiz is a money-managing app worth trying. It handles all your accounts, budgets and bills proving you with suggestions on how to clear your debt quicker. The in-depth reports will help you understand how you are spending money, especially in terms of your earnings.

Tools that help you earn more

Naturally, securing your financial future isn’t just about knowing how to use what you are currently earning and saving some of it for the rainy day. It’s much easier to save and create a strong balance when you are making more in the first place.
The good news is that there are tools that can help you earn more money without you paying any attention to it. Acorns is an investing app that doesn’t require you to have a million on your bank account. In fact, the app rounds your purchases to the nearest dollar and invests that money in a diversified stock portfolio. Once these investments earn you $5, the money will be transferred to a savings account.
If you are new to investing, you should also consider checking out SigFig. The investment tool tracks, manages and optimises your current portfolios but you can also manage new investments with the app. You can also take a questionnaire to find out your risk profile, create a personalised investment plan and even get tips on how you should be investing.
Finally, if you shouldn’t overlook the power of knowledge when it comes to earning more money. Whether it is about running your business or investing your money, you need to know what is happening in the world around you. So, make sure to read newspapers and financial blogs to stay on top of world events. Bloomberg, the Washington Post and the New York Times are among good newspapers to read.
With the above tools, you can secure your financial future. You’ll be making more, saving more and spending your existing money much better.

Retractable Banner Stands: An Ideal Addition For Any Public Event

Are you looking for an impactful visual addition for your next public event?
Then retractable banner stands, also known as roll up banner stands or pull up banner stand, are ready to set all your displays. The simple and sleek appearance of these stands prioritizes the vibrantly printed full-colored banner graphics. This simple set-up stand is quite popular among trade shows and other public events.
Retractable banner stands are a new addition to the series of stylish portable banner stand. With time its popularity has ascended among the show biz trade communities due to its durability, wrinkle-free charm, and easy transportable nature.
These stands look great with their fibre glass or aluminium metal stand frame, which are easy and quick to assemble as well as available in a variety of dimensions to fit into the limited space of the trade show exhibitors.
Retractable Banner Stands

Benefits of Retractable Banner Stands

Some top advantages of retractable banner include quick turnaround, flexibility, high level durability, simple assemblage, easy usage and top quality banner printing portrayal. We readily avail different banner stands for our customers, for a variety of usage.

  • Flexibility: You might think that we are overstating, but it’s until you’ve looked into the tension free display. The frames are extremely creative and take into account the different shape of banners to heighten your displays in public events. Now, no need of underestimating your unique idea of potential presentation!
  • Easy Use: These Retractable Banner Stands are extremely easy to set-up and take down. Again, changing the banners is also a simple process that makes swapping of the banners easy and quick.
  • Transportation: With our Retractable Banner Stands, no need to worry about taking extra care of the stand. They are easy to carry on the go, as the material isn’t that heavy or temperamental.
  • Durable: Its durability makes it an important addition to different public events. You can spot the retractable banner stands not only in a trade or public events but also in airports, malls, storefronts and other places because of its durability. The high usage of these stands in different places certainly justifies the investment.

Easy To Order Option

Retractable banners are available in different range and sizes, starting from small tabletop exhibits to extra large public displays. But selecting an appropriately sized display will add value to your creativity, create a better visual interest, and draw potential sales lead. 

Affordable Pricing

The cost of retractable banner stands basically depends on the dimension and quality of the printed design. To get the best deal cracked with these banner displays, place your order in bulk and the option of customizing the retractable banner stands is also an option.

Kick Off Your Retirement Savings As Soon As Possible

Whenever you work hard, your paycheck reflects all your accomplishments and achievements. But at the same time, when you have enough money at your disposal, there are also wide array of new things to spend on.
You might be saving dollars for your first home or you may have just signed the agreement for a hefty mortgage loan. You may have one or more babies to provide food and your dog must have been demanding more food.
So , even though your paycheck reflects a hefty amount, there are different areas where you also have to spend money.
There is no doubt about the fact that establishing a family and buying a home is expensive and it is also easy to think that retirement goals is an impossible feat, especially when you’re in your mid-30s.
Hey, breathe easy! You won’t require achieving all your goals at once. But retirement needs to be a top priority. Here are few ways in which you can ramp up your retirement savings account.
Save for Retirement

Accumulate funds in your 401(k) savings account

In an ideal situation, you would definitely want to make maximum yearly contribution to the workplace-sponsored fund, 401(k).
As you keep moving up the ladder of your career, put each of the raise amounts in your retirement savings account and make it a point that you don’t spend them.
In case you think that you can’t afford to rack up all the pay-lifts to your retirement fund, make sure you gradually increase contributions with time.
Don’t hesitate to take an employer match as that is free money which should be given its utmost value.

Maintain a dynamic asset allocation

No, it’s not always enough to save money as you also have to keep a watchful eye on the current retirement assets to make sure you’re not blowing off opportunities for growth.
Invest wisely and strategically, take care of risk by distributing your investment in to various categories like Stocks, Bonds, ETFs, etc.
If you’re in your 30s, you need to invest assertively, thereby saving up to 80% or even 90% of assets to diverse a wide array of stocks.
You have to be diligent enough to save money and invest your dollars in the right things that have a power for growth.

Don’t allow a job change to derail your plan for retirement

In case you’ve been changing jobs for a better opportunity, don’t let it hit your retirement plan. It is seen that often some kind of rich opportunity has the impact of unsettling the savings which you’ve accumulated till date.
Most often, this occurs when people make the wrong decision of cashing out a 401(k) instead of letting it intact.
As per Hewitt, 50% of the workers in their mid-30s cash out their 401(k) accounts when they take a decision to leave jobs. Another retirement trap to steer clear from is bad timing.

Prepare yourself for your kid’s college expenses

Once you’re done with focusing on your retirement accounts, it’s time for you to focus on few other vital expenses as well.
If you have small babies at home, it’s time you start thinking about their college expenses.
You might thing that this is too early to plan for their college but the truth is that the earlier, the better.
If you’re determined to assist your kid with his education so that he never faces any kind of financial issue, you should start saving for his high school and college.
There are several tax-advantaged programs which have been designed for such purposes.
Therefore, if you’re thinking of how you can start saving for your retirement while you’re in your mid-30s, you can take into account the above mentioned tips and advices.
This was a guest post from SB @ onecentatatime.com! SB is an informed husband and father with dexterity for investing and passion for finance. His blog has over an impressive repertoire for those interested in making money, savings, investing, and family.

A Detailed Study of Online Life Insurance Quotes

It is an undeniable fact that life insurance has now become extremely important in a person’s life. But unfortunately, many people tend to avoid it despite being fully aware of its importance.
Most people stay away from availing life insurance because they just do not get into the complexities of the policies. They actually just cannot figure out from where to begin in order to avail a life insurance quote.
However, one must not allow these reasons to stand as an obstacle in ensuring a secured future both for that person, as well as his family members. Getting free life insurance quotes is the first and most essential step for availing that insurance policy which is the most suitable one for you.
There are various online insurance companies, whom you can get in touch with via the internet. There, you can access several insurance quotes, and you will not be charged anything for that. What these websites will also do is make a comparison between numerous insurance policies and thereby, helping you to select that one which is the most appropriate and cost saving.

What is term insurance?

Term life insurance is certainly one of the most commonly used types of life insurance quotes available online. A simple definition of this type is that it is a policy which offers death benefits after the death of the policyholder, within a specified policy term.
This policy’s rule is that if a person lives for than the years that have been specified by the policy, the beneficiaries of the person will not be paid any amount by the company. There is no investment feature or cash value associated with this type of policy. It is this property of the policy which makes it very affordable, particularly during the initial years. But the cost of the premium can increase with the age of the policyholder, or when the policy is renewed. Along with that, some people can find it impossible to renew the policies because of change in certain conditions like the person’s health.
Life Insurance Quotes
Types of Term Life Insurance Policies:

Guaranteed Level Term Life Insurance

Guaranteed term level insurance policies are the most common type of term life insurance that people opt for. Working with this kind of policy is pretty simple. You pay yearly premiums that are fixed and do not change with passing years. However, the renewal benefits of such policies are restricted. You can usually withdraw this policy after a certain period of time; say 10, 20, or 30 years as stated in the insurance policy. For longer-term policies, the premiums usually get higher with each year.

Annual Renewable Term Life Insurance

An annual renewable term life insurance, or ART, is a short-term life insurance coverage that can be renewed every year, but for a defined period of time. After the policy is renewed, the premiums go up and keep increasing with each year. The premium increases dramatically after a period of 20 or 30 years.

Return of Premium Term Life Insurance

The return of premium term life insurance is a special kind of insurance policy that refund the life insurance premium once the term period ends. If the insured person is still living, he/she gets the premium amount refunded after term period completion. Such policies are available usually in 15, 20, or 30-year terms. Compared to other term life insurance policies, the return of premium policy might look a bit pricier but is definitely cheaper than a whole life insurance quote.

Decreasing Term Life Insurance

In a decreasing term life insurance policy, there is a yearly fall in the cover level till getting to zero. This type of cover is mainly used for repaying the loans. It is typically designed to pay a lower claim as the policy ages. Death benefits keep decreasing in such kinds of policies. This is because a decreasing term life insurance policy is for individuals who have higher financial responsibilities and burden currently, which may decrease over time such as mortgages.

Modified Term Life Insurance

As the name suggests, a modified term life insurance is only a modification of the standard life insurance plan, with a twist. A modified term life insurance policy uses an alternative payment structure to the standard life insurance plan while offering the same protection. An individual has the flexibility of either paying increasing premiums over time, or modify the same like a decreasing term life insurance plan and pay lower amounts of premiums with time. This kind of life insurance policy is not feasible for everybody as careful planning and consideration of personal and professional life is required.

Final words:

When you’re choosing a term life insurance quote, do so carefully and wisely. But before doing anything, you must understand and be aware of what type of coverage you wish to go with and why. Understanding the kinds of term life insurance policies will help you determine the plan that is best suited for you and why such policies can offer you greater benefits than whole life insurance plans.