Should I Go Cash Free?       

Digitalization is a major feature in the financial field and lots of people now prefer to use cash free procedures in buying products or services online. All the local shops now accept payments through the credit or debit cards, enhancing the popularity of plastic money. There are many advantages of using cash free digitalized procedures than the usual monetary dealings with cash.

Primary notable benefits of using cash free techniques 

 Ensures financial safety while buying – When a person buys a product from a company and pays the price via credit card, he can expect to get the refund money from the credit card provider company, if by chance the concerned retailer company becomes inactive in the market due to some reasons. The customer may approach the law for his refund from the credit card company if it declines to do so.

  • Permanent proof of purchase – The monetary statement printed on credit card bill is a solid proof of any purchase, where the payment is done through credit card, instead of the cash. So the customers need not panic even if the purchase receipt is lost.
  • Guaranteed refund of paid price – When someone buys a product online and his purchased product is not delivered even after the payment is done online via credit cards, he should approach that credit card company for retrieving his money refund from that online selling agency. Usually, the credit card providers help their clients to get this kind of refund from the sellers.
  • Keep a check on the expenditure – When the money is spent digitally through credit or debit cards, it is easy to keep track of the expenses by checking the credit card bills. Also, there is a tracking tool given by the bank or an app may be downloaded, through which all the cashless transactions can be summed up to find the total expense of a person in a month.
  • Saves money on many purchases – Many banks and financial institutions often offer cashback money on most of the purchases done through their credit cards. So the buyer can expect a certain percentage of the paid cost price to return to his bank account, as per the rules of this facility. Thus, the customers can save a good amount of money on every purchase.
  •  Does not need to carry cash – Due to the facility of paying digitally via plastic cards or net banking, now people do not face difficulty in shopping even if they do not have enough cash in their pockets.

Hence, all these benefits have encouraged more people to go totally cash free in the coming days, using the digital procedures.



Choosing a Car That Matches You, Your Income And Your Lifestyle

 The purchase of a car is an important decision for every person, as it involves a large amount of expense and thus, adequate time should be taken to think over the selection of any particular car model. The car is a necessity for many busy people to reach the workplace in time, without wasting time in waiting for any public transport. But some people may have a passion for buying a car that will make driving more enjoyable.

Factors that may influence the selection of a car

 Buy a resale car for low salary – The total annual salary of a person should be considered before going through the different car models, for purchasing any of them. It is essential for a salaried person to have sufficient income to manage the cost of a brand new car. In case of low salaried people, they may consider purchasing a resale vehicle that will be available at reasonable price.

  • Choose cheaper car for short distance travel – If the buyer needs to travel very short distance between his home and workplace every day, then it is better to buy a cheaper car that will be available in a price that is maximum 10 – 15% of his yearly salary.
  • Opt for a costlier car for longer driving – But if the buyer intends to drive the car for weekend trips to larger distances and also he may need to often travel elsewhere for official purposes, then the car should be more comfortable and durable. So in this case, it is better to invest minimum 20 – 25% of his yearly salary for buying the car and the car model within that price limit can be selected.
  • Invest heavily on luxury cars if too passionate – If the buyer is really passionate about cars and extensive driving, then he may consider about paying even 50% of his annual income for this purpose if his financial obligations allow him this expense. The costly cars are given all the homely comforts and safety measures, making the car as good as one’s own home.
  • Choose the brand for getting a suitable car – The price of a car often depends on the brand value of its manufacturer. So the cars of lesser known brands may be available in lesser costs, even if it has all the comfort features. But people rely on the renowned brands and also the cars of good brands have better resale values.

If someone finds the purchase of a car too costly, he may consider about taking a car on lease for meeting his requirements of daily travel, at a much lesser expense.



Why Accountants Should Be Respected

You could be planning your accounting career or maybe just exploring the possible career options as a young professional and might not have the highest opinion about accountants. The truth is however that despite everything you might have heard about accountants and the profession, they are people that you need to take note of. Here are a few of the many reasons why accountants and even a career as an accountant need to be respected.

They Are in High Demand

Everyone needs accountants, be it governments, businesses, nonprofit organizations or even individuals. The fact is that wherever there will be a budget that will need to be managed and looked after, accountants will be needed and that is why accountants are set to remain in demand for years to come. They are crucial to any business or company be it small or large.

They Can Work Just About Anywhere

As stated earlier as well, accountants are needed just about everywhere. This also means that they can also find work wherever and whenever they want. You could be working full hours for one employee or even working part-time for several employees at once. When your services are needed everywhere there’s no shortage of work for accountants.

There’s Room for Growth

In an industry as important as accounting all kinds of career options are offered to you. You have the opportunity to work almost anywhere and with your skills being in high demand it also presents accountants with opportunities for advancements.

Certified Public Accountant (CPA)

The possibilities and opportunities for accountants are numerous. However, there is something to take note of over here that the field is very limited without your CPA. An accountant that has not passed the CPA exam cannot qualify as a CPA and the opportunities for such an individual are very few. To enjoy the full perks and benefits being an accountant could offer it is important that you set your sights on clearing that CPA exam and becoming a Certified Public Accountant.

A CPA is an accounting professional who has not only passed the CPA examination but also meets the additional state certification and experience requirements. There is much hard work that goes into becoming a successful and accomplished CPA. It is by no means an easy thing to achieve and clearing the exam alone can be challenging. However, all the hard work is justified and pays off well when you finally become a CPA and can enjoy the prestige and respect CPAs get from their peers, clients and even the general population.


To make sure that they pass their CPA exam with flying colors people often take preparation courses that prepare them for the exam and ensure their success. These exam review courses are not all the same and care needs to be taken before investing one to ensure that you get the best value for your money. This is something where surgentcpa can help you even if all others have failed and help you get ready for your CPA exam so that you are bound to succeed.

3 strategies for Millenials to build wealth

Considered as the „best-educated generation in American history“  by Atlantic Magazine, one-third of Millenials is holding a bachelor’s degree. Despite this fact, they can become the first generation in American history that may become worse than their parents as their incomes are lower, they have more debt and poverty rate is higher.

In order to succeed, Millenials must be well-prepared for the future because the world is changing rapidly. With these 3 strategies, they will be on the right track to be financially secure and the possibility of their success will be much higher.

  1. Spend less than you earn

Most Millenials living from paycheck to paycheck and use credit cards in case of emergencies. In that routine, they expect higher income and lower expenses which are totally insecure and rarely pays off. No one can make progress if expenses are bigger than the earnings.

Having a financial plan and self-control in early life is the best way to develop financial security whatever the future will be. Deciding on regular saving using a zero-based budgeting system, you will create enough funds in the next month for the emergencies or save for home purchase, education of kids or retirement.

  1. Never make debts

Although, for most of the people avoiding debts is unrealistic, making the decision to never borrow the money should be imperative. If you spending money that you don’t have, it’s considerably lowering your future earnings and options.

Borrowing money is justified only in some case such as buying a home, refinancing high-interest debt and taking a short-term loan to make a contribution to the 401k employer-matching retirement plan.

  1. Set your financial priorities

With early saving, having a fund for health insurance and emergencies should always have the priority. Struggling to pay large medical bills is a cause of bankruptcies for 600,000 people each year.

Millenials are healthier than the people from previous generations, but they are not immune to many events that can cause significant medical bills such as obesity, childbirth, sports injuries, accidents, and desease.

Millenials are less in danger of having chronic health care problems, but traumatic injuries always can happen and these can cause a significant growth of your medical bills.

Emergencies happen often, so it’s always good to be prepared for it. Relying on quick credit or borrowing the money from other sources cause the damage to your saving plans.


The Different Avenues for Investment

Here in the UK, the financial services sector is worth a huge amount – and it covers all kinds of asset classes. Underneath that large umbrella is a whole host of different investment opportunities: from foreign exchange pairs to stocks and shares, there’s a variety of investment avenues to go for. Different ones are suitable for different people, and the degree of risk involved can be tailored to individual requirements. This article will look at the various investment opportunities available, and how each one could be of benefit to you.

Stocks and shares

Stocks and shares and property are often seen as being the classic investment routes. Many people associate investing with those particular asset classes, and they occupy a particular position within the cultural framework of investing too. And there are definitely some sound reasons to go with stocks and shares: performance in the stock market has historically been quite rewarding, and while past performance is no guarantee of future performance, it’s likely that more growth years are to come. However, stocks and shares have tended to perform well over time rather than right away – which means that investors often have to leave their cash tied up for a significant number of years to see a good profit when they sell.

Contracts for difference

Contracts for difference, or CFDs, are innovative financial products which are easily accessed and diverse. They don’t confer any ownership rights of assets, but they do track the underlying markets – so you’ll be able to benefit (or lose out) in proportion to the performance of the actual market. There’s also a lot of versatility involved with these products: the markets which CFDs cover include a whole host of alternatives, ranging from foreign exchange pairs to cryptocurrencies. Many CFD Trading Brokers can provide several types of CFD product, so you’ll be able to find what you need easily.

Property and assets

But financial products designed specifically for speculative investment purposes aren’t the only options. Property is another option, and it’s something that many people may have invested in without really conceptualising it as an investment. If you’ve bought your own home and paid off all or most of the mortgage, downsizing it and taking a lump sum is an investment decision in itself. And if you have spare cash lying around, a buy to let property may be a good avenue to consider. The same goes for items like paintings, wines and other rare items: people buy items such as old, expensive bottles of alcohol or collectibles like artwork, not just for their pleasure value but also because there’s a good chance they’ll appreciate in financial value over time.

So, no matter what sort of investment class you want to enter, there’s likely to be one out there for you. From the popular world of stocks and shares trading to other attractive options like CFDs and even collectibles, there’s an investment vehicle with an entry level that will work for you and your trading investment goals.

What are benefits of hiring fee-only financial planners?

When you have financial problems, the first step is recognizing that you need help. Then, you should know why exactly you need help. Whether you need it because of your retirement or investment plans, it’s definitely the sign for finding a financial advisor. It’s not easy because there are many out there, but first, you need to find a fee-only financial planner.

Who are fee-only financial planners?

Fee-only financial planners’ name speaks for itself. These financial advisors work for fee-only basics, which means that only you as a client, pay them the compensation for their services.

They work is devoted to their fiduciary responsibility which means that they must work in their client’s best interests. They don’t receive any fees and other forms of hidden compensations.

What are benefits of fee-only financial planners?

The best part of having hired fee-only financial planners is that you know they work representing your best interests. They are only there to help if you have any financial problems. Fee-only financial planners don’t work relying on what they sell in order to make you money. They just operate as fiduciary and guarantee that they will bring you financial benefits.

Fee-only financial advisors don’t have any connections with specific companies, so they only are there to offer you wide range of solutions to help you in achieving your goals.

Another great advantage of fee-only financial advisors is that can offer a wide range of services, without overcharging you, as they work for an hourly rate. They can help you to build up complete financial plan and you don’t need to overpay them. There are situations when fee-only advisors can take a percentage of your assets they manage, but even in this case, they’ll still work in your best interests as it will keep your assets high.

How much fee-only financial planners charge?

There are few ways they charge clients. Assets under management“ is the most common method when fee-only financial advisors take the percentage of your assets they manage.

The second method is to get the payment according to hourly or monthly rate. They are also a method of charging clients with a flat fee which means a fee as a compensation for the service they provide.

There are also financial advisors that work only with rich people. This means that they can take much more because of many assets they work with.

Mobile Phone Tricks – How To Save On Mobile Phone Costs

The mobile phone is a must for every person in the modern world and no one can live a day without using their mobile phones for calling up or messaging their known people on different pretexts. There are plenty of telephonic service providers operating in every locality, from whom the common mobile phone users buy their SIM cards. The costs of using these mobile phone services may be prepaid and some are paid monthly according to the bills sent by the service provider. However, a large amount of money is spent by everyone now, for calling via their mobile phones.

Few effective tips for reducing the expenses on mobile phones

 Choose the cheapest plan – Many people opt for automatic renewal of their contracts with the mobile phone service providers. In that case, they have no option but to pay the same rate of the existing plan that they are already availing. So it is better to compare the similar plans of other service providers through their websites and check the costs of all the plans, before renewing the contract with the existing provider; else they may opt for the cheapest plan provided by any other service provider company.

  • Check the mobile usage – Some people make more calls, while some may spend more money on messaging others. The internet usage is another criterion for the monthly expense, in case of the owners of smartphones. So the call plan should be selected according to the type of usage of the mobile owner, which will result in a much lower mobile bill.
  • Get an explanation for more call charges – In case of monthly mobile bills, it is better to check the call list minutely, to find out if any call has been charged extra cost. The mobile user should call up the customer care of the concerned service provider to find out the reason for that extra charge.
  •  Reduce overseas calls – When a person makes a call to another country, it always costs much higher than the local calls. So it is better to speak for lesser time on overseas calls and it is much cheaper to communicate with the overseas callers via any free online platform, like WhatsApp. The mobile user may also opt to message their friends or relatives staying in faraway countries, to keep the monthly mobile bill at an affordable level.

There are more convenient ways of reducing the mobile call rates, which can be discussed with the executives of the service provider company, to get the best deal in this regard.



Part 2: How to make money from home by offering services

Many people have some special talents: they cook well, they can do some kind of crafts, sew fine, etc.

But not everyone understands that such talents can be used for good, so they don’t know that they can make money from it. But, there are plenty of ways to achieve this.

The best way to look for buyers of finished products that you make at home is internet (social networks, newspapers of free ads) or – directly in the markets or stores where goods that you are making are sold. So, how you can make money from home?

Method 1. Cakes to order

This method of earning money at home is more suitable for women, but men who have this talent can also try to earn money by making cakes to order.

For example, you need to invest $15 to make a decorated cake, and if a price is $35, you can earn $20.

Method 2. Making souvenirs

You can make money from home if you know how to make:



crafts made of wood, vines, clay;

stuffed Toys;

painted dishes, etc.

You can use any of your skills (the more quality and original products you produce, the higher your earnings will be).

The profitability of such a business can be can vary from 30% to 100%.

Method 3. Needlework

If you sew well, embroider or knit, you can make clothes or home products made to order.

Calculating the monthly profit of such household earnings is difficult because it all depends on whether you use your materials or sew/ knit from what your customers have brought, as well as the number of these customers.

Method 4. Repair of electronic devices

This way to earn is suitable for handymen.

If you can fix anything, then you can seriously compete with official service centers, doing the same work for a lower price.

If you charge $10 per repair, and if have 24 repairs per month, you can earn $240.

Method 5. 3D printing

This is a relatively new type of business, which you can use to earn money from home.

To buy a 3D printer and supplies to it, you need to have about $2,000.

If you quickly learn how to work on it and find the sources of sales for your manufactured goods, you will be able to return the investments no later than in 5 months.

You can make money sitting at home next to a 3d printer, producing:

souvenir products;

office products;




decoration and so on.

If you have the monthly income of $3500 and your expenses are $500, you can earn $3000 per month.

Part 1: How to make money from home by selling things

Modern life provides enough opportunities not to work for a minimum salary for someone in a commercial office or government organization, but to see hidden prospects.

This can be done without leaving home your home. It is only necessary to choose a profitable occupation for yourself and start making money.

If you have always dreamed of working in a trade, but do not want to work in a regular store, then you will be able to build your commercial vein at home. You can do sales, and at the same time earn good money.

  1. Online store

People are quite lazy, so for many of them is hard to go to the distant shopping center.

Today, the advanced young people prefer to make purchases on the internet without spending too much money. You can use this trend and make money by opening an online store.

To make money while sitting at home using an online store, you need to:

–    Form sole proprietorship.

–    Decide what exactly you will sell: clothes, shoes, household goods, car parts, etc.

–    Enter into contracts with suppliers.

–    Find an assistant.

–    Create a user-friendly website.

–    Fill it with goods (photo and description).

–    Start advertising your online store.

If you do not have enough money to open a full-fledged online store with a large assortment of goods, you can sell your own things that you don’t need anymore.

  1. Selling things through online auctions

Today on the internet you can find a bunch of online auction websites, where ordinary people can make money from home, by selling unwanted things.

The most popular and convenient users consider:




To earn money from home, making sales on the online auction, you need:

–    Register account at one of the websites given above (or at all of them).

–    Take pictures of things you want to sell.

–    Make descriptions of them.

–    Set the price.

–    Wait for buyers.

If you don’t ask too much, by setting prices, you can not only get rid of excess rubbish in the house but also earn money.

  1. Distributor activities

If neither the first nor the second option suits you, and you still want to make sales at home, you can become a distributor of a large company.

The constant income can be within 200 – 300 dollars a month. If you have a permanent job, you’ll not have too much time to sell, but if you decide to make money without leaving your home, then your income can be much higher.

How you can benefit from MMC’s

MMC (also known as smart construction) stands for Modern Methods of Construction.

This method allows for faster and more efficient building as it uses off-site construction in factories.  This makes mass production possible in a way that is not achievable when using more traditional methods.

It also has the backing of the government who is pushing to drive adoption of this method.  MMC is already prevalent in public building initiatives and this popularity is likely to transfer over into the commercial housing market.

What is the process for getting a mortgage for an MMC property versus a traditional build?

Key to consider in this respect is whether it is more difficult to secure a mortgage on an MMC property than it is a traditional build.

Of course, there are variations from lender to lender and each will have different requirements and different terms and conditions in place.  A big consideration for lenders is the quality of the property (and this applies to both MMC and traditional builds), however these concerns may be greater for MMC properties and therefore make it more difficult for those self building to secure the finances they need.

Generally speaking it pays to approach a building society for self build mortgages.  Seeking help from a qualified mortgage advisor can be a good route to the best deals if it is proving difficult to secure the finance needed.  Building societies, particularly those that lend in the self build market are likely to be more receptive as they are more experienced and better equipped to accurately identify any potential risks of a self build mortgage.

A mortgage advisor is able to guide borrowers regarding what documentation is required.  However, for those approaching lenders directly it pays to be prepared and have all the required information in p lace.  The same documentation that is needed to apply for a mortgage on a traditional build is required along with several other documents.

Borrowers will need to see; construction drawings and specs, total project cost estimate (including fixed price contracts where possible), copies of planning permission.  In addition, they will also need to see Building Regulations Approval (including SAP calculation), structural warranty, a site report and in some cases the architect’s professional indemnity cover.  New Homes Warranty (10 year insurance policy) is required and the mortgage lender will provide a short list of who their acceptable providers are, buildings insurance is required valued at equal to the build cost of the property (as a minimum).  In some cases, lenders may also wish to visit the site to undertake further checks.


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