5 Easy Money Savings Management App

Personal finance can be tricky.

Between check and savings accounts, credit cards, and loans ranging from car payments to student debt, it’s hard to keep everything straight.

But if not, you may find yourself reading the bottom of your bank account each month.

Remember that you have options in emergencies, such as installment loans, but this makes it more difficult to move forward if you depend on these resources.

Usually, it’s better to build your own safety net and that’s usually the goal. It can be easier said than done, especially if numbers do not come easily to you.

Luckily, the modern age has resulted in a free resource for you to use to help you manage your budget a bit. Check out these five money management apps.

Mint leaves
If you’re one of the people we’re talking about thinking about numbers, you’ll be looking for a lean and easy-to-use app.

Mint might suit you.

Created by the creators of TurboTax and QuickBooks, this app serves people who want quick setup and overall overall usability.

This app is connected to your check and savings account, credit card, monthly bill, and 401k, which allows it to update automatically every time you make a purchase.

One of the perks of this is that you can create shopping goals and Mint can tell you as you approach them.

PocketGuard
This app allows you to categorize your costs, charges, and subscriptions and turn them into graphs so you can better visualize your budget.

Just like Mint, PocketGuard automatically syncs to your bank account and credit card so you know how much cash you have at any given time.

In addition, users love it for the convenience and budgeting advice it offers.

notes
This app is slightly different from the others we’ve seen so far focusing most of its attention on debt – what you owe and what others owe you. This includes monthly bills and loans.

This is not a full-blown budgeting app, but you warn the upcoming bill that needs to be paid to help you plan ahead and can be a great resource if you’re a friend who always gets to the lunch tab first.

Budget
Claiming as a true “first day financing” app, this app keeps track of your revenue and expenses in real time and gives you daily spending limits.

This is a great app for those who are just starting out with budgeting and potentially working with a small amount of money. It also lets you export your shopping habits, which can help you teach how to better budget for the future.

Dollarbird
Dollarbird is the best choice for anyone who is reluctant to sync their bank account with an app. Using the calendar format, you enter your earnings and expenses manually and the app calculates your balance and what’s left for you to spend.

If your costs change from month to month, this is the right choice because you can program spending for reoccurring or not.

3 Tips for Small Business Year End Tax Planning

In addition to setting financial goals to grow your business, you also need to manage your financial responsibilities. One is to make sure you have a strong year-end tax planning process. Failing to do this, the business will experience financial and legal consequences.

Small businesses face many big challenges. Some of them include:

Dependency on multiple clients
Maintain cash flow while paying a fee
Fatigue due to pressure and hard work
Dependence on business founders
Balances quality and growth
While this challenge delays business success, poor year-end tax planning can kill it. Read on to find out more.

Tip for Year End Tax Planning
Every small business owner must know the tax planning and reporting requirements. Businesses pay federal income tax, local taxes, sales taxes, and employment taxes. Any errors and Internal Revenue Service (IRS) will start breathing in your neck.

The IRS looks at fraudulent earnings reports, accounting irregularities, and incorrect deductions. It is a mistake to expose your business to fines, fines and fraud allegations.

Your goal should be:

To reduce your taxable income and tax rate
To take advantage of deduction and credit
Here are some tips to help your year-end tax planning:

Find the Right Tax Software
Tax software is an important part of your planning. It’s cost-effective and simplifies the process. Too:

Describe the information requirements in the tax code
Allows quick and secure tax filing
Accelerate refund acceptance
Ensuring tax and credit deductions
Remove errors and mathematical errors
Transfer federal tax information to state tax returns
Attract business data (eg payroll) from other software
If you use a taxation service bureau like UltimateTax, you also get access to support staff. They will help you solve software problems and answer your tax questions.

Having tax software gets you ready. People make the mistake of waiting until the tax season to collect their financial data. Get detailed reports on your financial transactions throughout the year.

Hire an Accountant or Tax Consultant
While the tax software completes some accountant functions, hiring someone is still a good decision. They prepare payroll data, assist in audits, review budgets and fees, collect financial information, and maintain financial software.

Like a tax consultant, accountants make sure your small business is taxable. He will calculate various taxes and propose an accurate return.

These professionals know how to get deductions for your business. Some examples include travel, car, equipment, and home reduction.

The other main function is to track credit changes and annual deductions. The role of your accountant is to make sure you get the maximum refund. They also recorded deadlines for submission of pieces and credit forms.

Decide whether you will delay revenue
Small businesses can postpone their income to reduce their tax obligations. They can use different options such as cash-based accounting and accrual accounting.

Cash-base involves sending late invoices to delay your earnings. As such, the money is not available for addition in tax returns. Accrual involves delays in products and services. That way, you will not be paid on time for the current year tax.

How to Set Financial Goals That Grow Your Business

The bad news: 90% of all startups fail.

How can you make sure your business is at 10% successful?

Setting realistic goals and easy to build is one of the most important ways to make sure you do not fail.

Here, we tell you four key financial goals you need to set to grow your business. We will also talk about how to set it up to fit your overall resources and mission.

1. Profitability
Of course, you want to make money. To do that, you need to bring more than you spend.

To ensure your profitability objectives match your business phase, see your revenue sources and tell how much you expect from each source.

Then, take a look at everything that contributes to your operating expenses: things like taxes, salaries, transportation, and rent. Then, set some realistic goals – and make sure your time frame also makes sense.

Here, working with a chartered accountant company can help you make sure you have the right number.

At this stage, even minor errors can cause serious problems. This is not the time to make your own random estimates – it’s time to rely on professional services.

2. Set the Right Cash Flow Flow
Here, you must determine the amount of money you need each month (or even weekly) to keep the door open.

Find out how you will cover your most basic costs, and remember that things can change quickly based on the seasons. Also consider account issues such as slowing payments, which could mean you have to make adjustments in the schedule for smooth cash flow.

We recommend that you set aside additional funds now, so this setback will not affect you in the future.

3. Make Sure Your Goals Build Each Other
You should see each goal as a stepping stone to reach the next one. Ask yourself how your goals relate to each other?

Breaking larger goals into smaller steps. It is not only an easier way to do business, it also allows you to evaluate the effectiveness of your strategy and make adjustments as necessary.

4. Purpose For Expansion
Of course, expansion is a big part of any business growth plan! But if you bite more than you can chew too early, your business can, and will likely, fail.

Evaluate if you want to grow fast, or more methodical. Then ask yourself the amount of outside funding you need to do it.

Can you donate one of your sales revenue to your expansion plan, or not?

If you go with outside funds, make sure you have thoroughly researched your options before defining a particular financial plan.

Your Small Business or Startup is Ready to Grow
With 28 million small businesses in America alone accounting for 54% of all sales in this country, you have to stand out from the crowd to keep it open.

Setting achievable, flexible, and methodical goals as early as possible in your business is the best way to ensure you are successful in your industry.

What to Consider When Choosing an eLearning Template

As technology and automation only continue to grow and improve, so does online learning. More and more colleges and universities are offering online courses. In fact, eLearning is anticipated to be a $ 37.6 billion market by 2020.

If you want to create an english eLearning course, one of the most important components, should be the eLearning template you use.

Below, we’ll discuss a few specific things to bear in mind when choosing the best eLearning template for your course.

Let the Course Objectives Be Your Guide

What are the objectives and desired outcomes of your course? These should dictate the overall style of your theme – including fonts, color schemes, and any imagery used throughout the course. An ugly or uninteresting eLearning template will not project a professional image.

Audience is Key

Ask: Who is your primary audience? Who was the course designed for? The templates should reflect their specific needs. For example, if the course was designed for medical students, the template should be unique to them.

Brand Your eLearning Template!

Another important consideration when choosing your template is branding and customizability. Your eLearning course or program should be branded in such a way that it stands out and differentiates you from competitors. The templates and media offered through the Torch Learning Management System can be a good place to start.

Additionally, the branding should also be in line with any guidelines you may have. Is there a specific set of colors approved? Perhaps a specific font is preferred? Be sure to find this information out and adhere to all guidelines when customizing your template.

The Importance of Navigation

Having the ability to easily navigate online course should be of utmost importance to creators. If it’s not user-friendly, it will not be used! Ensure that students can easily navigate to the course’s landing page and access all of the necessary content.

Devices Matter

It should go without saying that you should be able to view and navigate throughout all of the pages on any of their devices. This includes iPads / tablets, smartphones, laptops, and desktop computers. One of the major advantages of eLearning is the ability to access content from anywhere, at any time.

If your course is not designed with alienating (and potentially even irritating) current participants – you can lose out on future business as well.

Marketing Matters Too!

As with every business, marketing is crucial to the success of your eLearning course or program. Frankly, if no one knows that it exists, what’s the point? In order to be able to provide knowledge as you have set out to, the general public must first know that your eLearning course exists and is available!

If you need help marketing your business online, head over to our blog for some useful tips!

We find the perfect eLearning template for your course or program. Happy hunting!

3 Unique DIY’s That Use Leftover Steel Tubes

 

We seriously doubt that many people have leftover steel tubes lying around their homes. After all, people are usually (hopefully) careful to order a reasonable number of materials for big projects.

And, let’s get real, even if they do happen to have a few extra ones lying around, their first instinct is not to get crafty with them.

Even so, they can not just throw them in the trash; that would be a complete waste of cash.

So what should people do with their extra steel tubes?

We’ve got 3 creative DIY projects that will help you make the most out of them.

DIY Clothes Rack
If you ever find yourself in need of closet space, you can always use your spare steel tubes in order to try your hand at building a clothes rack.

As far as clothes racks go, the one we’ve recommended is pretty easy to build; as a matter of fact, there are only 16 simple steps (and pictures to accompany them) to building it, though, to be fair, some steps require that you carry out multiple tasks.

And, yes, we know: By recommending this project, we are allowing you to feed your clothing addiction, but, much to our thinking, clothing addictions are not necessarily bad things to have.

So get building.

DIY Bookshelf
Our avid readers will appreciate this one, and it even comes with an instructional video.

Unfortunately, however, you’ll need a bit more than your old steel pipes in order to get this job done.

While there are certainly many variations of this project, the one we’ve referenced requires that you have a “butcher block,” “table saw,” and “hand plane.”

We realize that this project can be a good thing for you. .

And you’ll get to tell everyone that you built it yourself.

(With the help of a video tutorial.) But hey, it still counts.)

DIY Television Stand
Okay. You probably already have a television stand or two in your home.

We’re willing to bet, however, that at least one of them has begun to bore you. Or falling apart at the every least.

That said, why not try turning those old pipes into a new entertainment stand?

Luckily for you, this project, unlike our last suggestion, is simple (and cheap) to put together.

While you will have to spend a little bit of money and time on it, you should have no problems constructing it.

Even if you’re a novice, we guarantee you’ll be able to bring this television stand to life.

Conclusion
As we said before, we understand that some people just have the tubes lying around, and even the people who happen to have them probably have a few of them on hand.

If you fall into the second category and find that you do not have enough steel tubes to follow these projects, please feel free to check out our stainless steel supplies here at Metal Supplies LTD.

After all, we know that there is nothing more frustrating than not being able to finish what you started. So get out there and try (and finish) these awesome DIY projects!

The History Behind Folded Origami Paper

 

These days, origami is everywhere.

This is a children’s book like Sadako and The Thousand Paper Cranes. It is featured in the museum as an art. It’s even used as an educational tool to help students learn fractional skills and problem solving!

But what is the history of origami? How has it developed over the years?

Read on to find out!

Where and How Origami Begins
Even the word Origami has an interesting history behind it. This is actually made of two words in Japanese: “Ori,” which means “folds”, and “we”, meaning “paper”.

This is a word that defines itself!

Art origami arrived long enough after the paper became available all over the world. Around the 6th century, monks began to bring paper to Japan.

However, because paper origami is still rare (and therefore expensive!) Mainly used in religious ceremonies.

Origami is used in a wedding ceremony, where a butterfly is folded symbolizes the bride. It also folded into a symbol of luck used and given by the Samurai, in the hope of remaining safe in battle.

Even played in the legend of ancient Japan. For example, many ancient folk tales tell the story of folded birds that fly, turning into native birds.

Origami: Next Step
Of course, it did not take long for the global interest of origami to flourish.

In the late 1400s, origami began to spread to Europe. Here, folding techniques and objects made are also utilized in everyday life.

It’s been popular in Europe to fold small boxes to store jewelry or other light items, or even to send personalized messages and letters!

Interestingly, we may owe much of what we now know about origami to kindergarten. The so-called “Kindergarten” system was created in the early 19th century to help children learn life skills, and to make it easier for them to enter the educational environment.

The founder of the Kindergarten System, Friedrich Frobel, born in Germany, sees that folding paper and binding can help young people learn valuable motor coordination and skills.

The reality is that many of the earliest kindergarten curriculums are filled with origami lessons!

More and more European countries began to adopt the Frobel TK System, and origami spread rapidly. In fact, the small, brightly colored origami paper wrap that we first learned to fold is a direct result of the Kindergarten System system in origami.

Sure, because of the idea of ​​the spread of kindergartens as well as origami.

What Next for Origami?
Currently, there are classes, communities, and even YouTube videos that are all dedicated to sharing origami art with as many people as possible.

Origami never stops developing, and new techniques are found every time. A very popular one called “wet folding.” Folders will lightly dip their paper into the water and fold it. This helps the paper to hold its shape even longer.

What will they think next? Only time will tell.

To learn complicated folding techniques, to get an idea from the experts, or just to be inspired by the intricate origami art form, always keep an eye for your industry website, museum exhibit, and video tutorial channel.

Avoid the Tree Removal Fail and Call the Experts

 

As you looked up at the tree in your yard, you noticed something.

The branch that looked ok before, does not look so hot now. Maybe it’s closer to your roof than it was.

Or it’s hanging on by a leaf and could fall onto your driveway. And hit your car.

Either way, that branch has got to go. But if you do it yourself, you will likely do more harm than good.

Here’s why you should hire a professional arborist.

A pound of cure
We’ve all heard the saying, “an ounce of prevention is worth a pound of cure”.

In the case of the trees in your yard, it’s more than just a pound.

The average oak tree can weigh Thousands of pounds.

OK, so maybe only a branch will fall down.But it’s twenty feet above your head.

That’s plenty heavy enough to possibly do some serious damage.

It’s also impossible to predict what will happen during the storm. Those branches may hang on for another six months.

Or, it could be six minutes.

Do you want to take that chance? If not, make sure you’re taking care of your trees.

Seasonal maintenance
You want the trees in your yard looking beautiful year-round.

You like watching the trees come to life in the spring. Lush, green leaves provide shade on a hot summer’s day.

In the fall, the oranges and reds are a perfect look when there’s a nip in the water.

To keep your trees looking their best, you need to maintain them.

Some of the smaller parts, closer to the ground, you might be able to take care of yourself. But the Department of Agriculture suggests hiring a professional for anything over 2 “in diameter.

And, did you know that if you trim a tree incorrectly you can inadvertently damage it?

Once a tree is damaged, it’s more likely to have issues and possibly even die.

Proper pruning also encourages new growth and can help trees withstand the winter better.

A professional arborist will know what’s best for the size and type of trees you have.

Not just for decorative trees

Shade in the summer is good, but a fresh apple from your tree in the fall is delicious.

Proper, seasonal maintenance also applies to your fruit trees. If you prune them at the time, it will encourage fruit production for the following year.

Preventative maintenance
Along with knowing the best and safest way to trim your trees, a professional can assess their current health.

They can recognize signs of pest damage, or conditions like Dutch elm disease.

If those can not be corrected or controlled, they can perform a safe tree removal.

How often do my trees need trimming?
Typically, once a year will be sufficient.

The Arbor Day Foundation suggests avoiding pruning your trees in the fall. Trees are slower to heal in the fall, and it may promote the spread of fungus.

And of course, you’ll want to contact a professional sooner if you see limbs that:

May overhang walkways
Are near power lines
Were damaged by a storm or the wind
Safety first
Trimming a tree branch is not like cutting one of your shrubs or hedges.

There are factors to take into account like:

Where will the limb fall once it’s cut?
How will it affect the rest of the tree?
Is it caught up in other branches that will also fall?
A professional knows how to assess the situation properly for safe removal.

Do not let it be a shocking experience, either
Trees can also be growing near your electrical and phone lines. Or, maybe there’s a storm and the branches break and hit the lines.

Either way, you want to avoid having that happen.

Keeping your trees trimmed.co.uk can prevent a middle-of-the-night problem. And if it does happen, your utility company’s emergency line is your first call.

Downed electrical lines are a serious hazard – the ground can be energized up to 35 ‘away.

Make sure you know what to do in case this dangerous situation occurs.

Emergency removal
Sometimes, despite your best efforts, Mother Nature has a different idea.

The wind was howling and a branch was torn loose. And it landed on your roof.

Not only do you need that branch off the roof before it falls, but it needs to be done correctly.

If you decide to climb up on a ladder and yank it off the roof, now you have two risks:

Falling off the ladder
Further damaging your roof
A professional arborist can help minimize the damage by removing the limb safely and quickly.

Hiring a pro can actually save you money
You might be a pretty handy DIY kind of person.

And your budget is tight, so you try to do things yourself. But tree trimming is not a time to cut corners, so to speak.

It requires specialty tools and experience the average homeowner does not have.

Things like:

Chainsaws
Rope and pulleys
Truck capable of hauling away the wood if needed
The know-how to use all these safely and effectively
DIY is great for painting and other stuff but you should hire a professional for your trees.

Insurance

Another way a certified arborist can save you money: insurance.

What if

5 Top Tips to Help You Become an Online Financial Writer

Investment and finance are complex topics. Most schools do not teach about stocks or compound interest. This lack of financial knowledge has affected all generations.

Most people are responsible for their own financial decisions. But many do not know where and how to start.

Did you know that the average worker has saved just $ 5,000 before retirement?

This knowledge gap is a major opportunity for a financial writer. As a writer, you can provide useful financial content.

Keep reading for 5 useful tips to become a successful financial writer.

1. Writing Relatable Content
Finance and investment are not the most interesting topics to read. As a financial writer, you must find a way to animate this topic.

When writing, make sure your content is reliable. Use real-life stories of real people. This allows readers to understand and connect with information.

To make your content more personal, consider:

Uncover the money challenges you’ve overcome
Talk about your own experience with pension investments
An interview with a source who is willing to share his personal experience.
The key is to not only have the words on the screen. The words you provide need to have an impact.

2. Avoid Financial Jargon
Finance has become a difficult topic. Do not make it any harder by using financial jargon in your content.

This not only makes the content boring, but it makes it more difficult to digest.

Keep it simple! Write your content in the simplest English.

3. Provide Resources
Writing about pension investments or creating a budget is one thing. Increase the usefulness of your content by providing resources to your readers.

Creating a blog about Triple Net? Make sure your content has links to the Triple Net Gateway. This site provides more in-depth information for readers to advance their knowledge.

Want to educate readers about home equity? Include resources that discuss about home equity and home equity loans.

4. Be Knowledge
To become a financial writer, you want to understand a variety of financial topics. But you do not need to be a certified financial planner.

Do not be intimidated by the idea that you are not a financial expert.

As a writer, you can approach a difficult topic from a layman’s perspective. This is a great asset for companies looking for easy-to-understand content.

5. Build your Portfolio
Once you get the experience, now is the time to build your portfolio. This will set you apart from other financial writers.

Your portfolio should include your best work.

Is your content referenced by a reputable financial institution? Has your work been used in other financial content?

The more impressive your portfolio is, the more likely you can tear up the position of high visibility writing.

A Successful Financial Writer Needs Quality Content
As a financial writer, you should drive traffic to the content you create. As a finance teacher, chances are you do not know much about marketing. This is where we can help!

Our experts at ArticleCity know how to drive more traffic to your content. We understand the topics you need to cover to get the results you want.

With our expertise, your content will get the readers it needs.

5 Issues Authors Run Into That Require Legal Support

 

The art of writing as a career is a free expression of your thoughts, beliefs, experiences, and imagination for a profit.

However, as liberal as this profession may seem, it still has to play by the rules.

Writers can sometimes find themselves in need of legal support if they are not aware of the industry’s general do’s and don’ts.

Here Are 5 Issues Authors May Need Legal Support to Address
1. Copyright Issues

The best way to avoid copyright is to only publish your own work, but what about when you need something to support your writing?

This may be an image or a fact to add some credibility to the article or book you are working on. Always reach out to the source you want to cite.

When in doubt, use a trusted third party or practice Fair Use.

Instead of finding a random image from a search engine, sign up for a stock image or hire a photographer to your own private stock.

2. Trademark Infringement

Trademark infringement may unintentionally cause you to need legal support. It is the unauthorized use of a trademark or brand in connection to something which may cause confusion.

Have you ever told someone to “just Google” a random fact, or “use a Kleenex” to blow their nose? This may be fine for the trade infringement.

If you are ever writing about a real-life situation in which someone is using a brand, try to create a fictional alternative to avoid needing legal support.

3. Privacy Rights

Another thing to be cautious about when relating true stories is the respect for privacy protection.

The United States has specific rights about disclosing another person’s private information such as medical or financial situations. Also, consider personal matters which may be considered sensitive or embarrassing.

Ask yourself if you are the subject how it would feel to have your private business counsel before publishing.

4. Contract Challenges

When working with a publisher, always double check the contract negotiations and rights.

Are you signing away movie and television rights? How much control will you have in the editing process before the final draft is confirmed?

The best way to avoid needing legal support is to have a consistent, open line of communication with publishers.

When both parties understand submission deadlines, revision guidelines, and updating rights, the smoother the writing process becomes.

5. Registration of Your Copyright

Copyright exists as soon as you put something out in the world. Whether it be as a freelance writer, online blogger, or published author, the moment you put your name on it, it’s yours.

You reserve the right to authorize others to use your words and information. However, sometimes copyright issues arise.

The best way to protect your writing is to register your copyright. This may require some legal funding, but it is well worth the investment; it’s like insurance for your work.

Improve Your Writing
Are you interested in creating more relevant, targeted content?

Get access to industry analyzes to focus on the right topics, build your writing team, and more with Article City.

The Ultimate Guide to Selling on eBay

Ebay is great for making a little money next to it.

Whether you want to make it a hobby or hope to make it a substantial additional income form – it’s flexible.

Read on to learn how to successfully sell your items on eBay!

Start
This is the simple part. Create your account by clicking the register at the top left of the website, above the eBay logo.

You can list items at a fixed price or install them for auction. For items that are hard to find, choose the auction option. It’s possible that you can earn more.

Take some good quality pictures of your stuff and be sure to accurately describe the specifications in the item description. If it is a used item, mention imperfection.

After selling the item, you must weigh and pack it properly for shipping. The weight of your goods will ensure you calculate the correct shipping cost.

Read eBay seller checklists to give you more tips on successful sales, and also rules that eBay sellers must comply with when listing.

Do Your Research
Before you list anything, be sure to search the site for a similar list. Check to see what kind of goods or similar items you are looking for on eBay. It can help you decide on a competitive price that will help put together an offer!

By doing your research you can see which categories will place your items so that the right people see them.

Consider the Ebay Template
The eBay template is a framework that lets you enter important information about items you sell in different categories. It also looks attractive and organized for potential buyers.

Create an eBay template. Templates are created using HTML and CSS to get the right look and format to make them look professional like traditional web pages.

These templates are often also known as ‘eBay template auctions’, ‘eBay list templates’ or ‘eBay HTML templates’.

A professionally designed HTML template helps build trust between you, your seller, and your potential customers.

Credibility is very important when selling online. It plays a big role in buyer decisions when considering buying goods online.

There is a lot of competition on eBay as a sales platform, and templates not only help credibility, but also help your personal store stand out.

If you want to create a positive first impression with your clients, bridge the gap and invest in one of professionally designed eBay templates to instill confidence in your potential buyers.

Your template may force buyers to choose you from other sellers offering the same product at the same price as similar feedback.