Buying at a Discount

When you read articles about saving money it usually falls back to the same old advice, spend less money! Don’t buy this, or don’t buy that. While that’s all very well and good, saving money doesn’t always have to mean going without. I’m by no means a Dave Ramsey or Suzy Orman, but just like anyone else that manages their household expenses I know a thing or two about saving and spending money.

The cardinal rule is that you should always spend less than you earn. After you accomplish that feat then you should focus on saving money on items that you planned on buying regardless. There are some key ways you can do this. First, you can use coupons. Coupons include the online kind as well. Coupons have become synonymous with the kind you clip out of a newspaper, but in today’s digital age there are far more coupons available to you online. Sites like Coupon Sherpa can provide you discounts on a plethora of items from both brick and mortar and online stores alike. Then there are sites like Groupon that provide you with discounts on promotional offers and deals. Sometimes these deals are so affordable, that even if you don’t usually shop at that particular store it might be worth it to try it once.

Another great way of saving money is buying up discounted gift cards to stores that you usually shop at. This is especially helpful if you have a large purchase to make, like a home improvement project in which you can make large purchases from a Home Depot or Lowe’s. The discounted gift cards to popular stores are usually only single digit discounts, but they are still better than paying full price. Likewise, you can use coupons in addition to the discounted gift cards because they are essentially the same as cash. I generally prefer to buy up the gift cards from reputable online sites that specialize in this sort of resale activity. Then I buy up the more popular stores whenever they become available. The ones that are higher in demand sell out more quickly.

Keep in mind that these tips are for those of you already looking to make a purchase. This isn’t necessarily encouragement to spend money, rather, it’s to save money on purchases you already partake in. These simple tips can help aid a tight budget more than you might think.

The Meeting of the Day Traders

A couple of times a month, I like to meet with other day traders over coffee in order to share war stories, trade tips and complain about the markets. It is a time for us to blow off steam and learn from each other. Some real camaraderie in our mostly solitary profession.

Last week, one website kept coming up in our discussion: Warrior Trading. It turns out, most of us got our start by taking courses through http://warriortrading.com/. It was and is a valuable tool for many day traders just starting out in the business.

Ron The Day Trading Phenom

Ron, the stay-at-home dad around the corner from me, had gotten laid off from his startup job in 2015. He had a bit of severance and plenty of time on his hands, and he stumbled across Warrior Trading’s site. He was a data analyst at his old job, so taking in reams of spreadsheets was no problem for Ron. He wasn’t sure about risking any of that severance. He had a couple of kids at home. But Warrior Trading’s simulator gave him a chance to try out day trading without risking real money.

It turns out that Ron had a real knack for picking up the nuances of the daily market. He raced through Warrior Trading’s online courses and started trading with real money three months after starting on the simulator. Now, Ron makes about 5K in profit every month, just from day trading. Not bad for a laid-off data analyst.

Fred The Grinder

Fred was my old buddy from high school. He went to journalism school right after college and ending up working for a bunch of small papers in a few different states in his 20s. But the work got harder and harder to find and Fred moved back to our hometown to live with his parents, getting by on freelance writing.

Then he found Warrior Trading one morning online, taking a break from sending out resumes to blogs and digital media companies. He scraped together some extra freelance work and started on the simulator. Some of the math was a bit of a struggle for Fred, but he kept at it, reading books from the library and going through all of Warrior’s courses. Then he put some skin in the game.

Slowly but surely, Fred started making profits. So he moved out of his parents house into an apartment across town. Now, he is finally writing that novel he always had kicking around in his head. He supports himself by day trading a couple of hours a day.

Warrior Trading is a great site, with a lot of information and strategy to get you out into the world of day trading without losing your shirt. Do you have what it takes to be profitable?  

The Launch of the EzTrader Blog

madeasy

The dynamic new blog which was the brainchild of the EzTrader team, is a state-of-the-art real-time site for market and financial news. Regularly checking in on the blog site saves you a lot of time looking at various different sources. At the EzTrader blog, everything is done for you, and you will see that each day the blog uploads articles which focus on currency pairs, commodities, indices, and fluctuations and trends in prime major assets. In addition to this, the 7 day forecast offers a very helpful easy to comprehend summary of the previous week’s movements on the market. It also and talks about upcoming data releases and events which seem likely to impact global assets over the next 7 days. This can be an excellent guide for all levels of traders from beginners to professionals.

Meeting and Exceeding Customer Needs
The EzTrader blog is specifically designed to meet and exceed customer needs. It gives clear and easy to understand information to help both new and existing customers. If you keep the link to this site on your desktop or mobile, you will always be up to date on crucial breaking news which has a knock-on effect on stocks and indices prices. You can also keep abreast of the highly sought after currency pair movements, and read summaries on the commodities which are like to rise or fall. The more that you keep up to date with both the national and international developments which affect the financial markets, the more chance you have of success. And all the research is done for you by professional experts who are leaders in their field.

Learning to Trade like a Professional
On this leading EzTrader blog site, you will find concise explanations of how certain developments and consequent fluctuations in the market are linked to your trading on binary options, and learn about the way in which professional traders utilise this data to profit from these types of market movements, and how you can do the same. You will also learn how the professionals set up a powerful plan of action for their trading.
Taking Advantage of All the Resources the Blog has to Offer
Both new and more experienced traders now have a first-class blog site that they can access 24/7 to help them gain a better understanding and insight of various elements which drive the financial markets by regularly reading short articles on geo-political events, economic issues, and business and industry reports can help all traders develop their skills.

 

EzTrader FAQs
The EzTrader FAQs section has given clear and simple answers to the main questions that people want to ask. These include: What stocks can be traded? Can FOREX be traded? What are commodities? And how long is a binary option? For the answers to these and many more, visit the EzTrader blog

4 Myths about Credit Cards

Throughout the years it was frowned upon to use a credit card, and even our parents and grandparents still may not be using them, even though they help build up credit.  Before you avoid signing up for a credit offer that you may have received, there are actually myths about credit cards that are just not true.

It is a Mistake to Use Credit Cards

Sure using a credit card puts you into debt, but it does not have to be bad after all.  There used to be a negative connotation that using a credit card means that you do not have the money to purchase the item, and while that may be true to shopaholics, you actually can earn money back with rewards that can add up to hundreds of dollars per year.  Also, you can be more at ease if you fall victim to fraud and can easily dispute, without having an empty bank account, waiting for the charges to be reversed.

Your Card with a Chip is Safer

The point of the new chip cards is to shift liability from the card company to the actual store, being responsible for any extra charges and fees, so stores are shifting over to the new readers, but if you are not present for a purchase, such as online, then it does not matter.  Whether you have a chip card or not, it still requires you to enter in card information, so there is no saving versus a non-chip card.

Can Charge up Your Card as Long as You Pay it off

Maxing out your available credit can actually hurt your credit score, even if you pay the entire balance off the next statement date.  Depending on the timing of the reporting to the credit agency it could show you as being maxed out, and although you know you pay it off, they may see it as spending more than you can afford. You need to understand how available credit and credit inquiries can affect your overall score so that you are able to manage it better.

Interest and Due Dates are set in Stone

It comes a point when you have been paying responsible; on time, and not carrying over a balance, but suppose you do carry over, you feel the 16.99% APR is ridiculous.  Well it is.  Call and renegotiate your interest rate or might as well go to a company that will be lower.  With the due date, if you feel a better payment date falls in line with your paycheck schedule, you can request a new due date with no negative impact.

 

Get Rid of the Cable Costs With These Streaming Upgrades

Untitled

 

Paying for cable is like opting to receive paper statements from your credit card company. You just don’t do it anymore. There are a number of ways for you to watch your favorite shows online that don’t involve high monthly cable bill statements.

Online streaming services give you access to your favorite shows at your fingertips. You may want to upgrade your phone to a bigger screen size like the iPhone 6 because you will be using it to watch shows anywhere in your house and on the go. You are no longer tied to the living room to watch your shows. You have free range of motion to take Netflix, Amazon Prime and Hulu with you to the gym, the store or your next road trip.

If you’re feeling overwhelmed by all the options, consider the following popular sites, their estimated membership cost and the benefits of using their services.

Netflix

Netflix is currently the largest streaming network in the United States. It is like a new best friend. It holds your place right where you left off and is waiting for you when you get home. Does cable do that for you? It has a wide variety of TV shows and movies to choose from, including original programming. Netflix’s content is not as up to date as some other services, however, so you may want to use it in addition to other streaming platforms. Membership is typically about $14 per month.

Amazon Prime

Amazon Prime offers more benefits than just streaming movies and television shows. You also get free two-day shipping, access to the latest music, free e-books and photo storage. Plus, as a streaming network, you can send your favorite shows and movies to your friends. If you watched a new documentary that you want to share with your mom, you can copy the link, paste it into a text message and share it with her in a matter of minutes. Membership costs run about $100 a year, but you can receive a free account if you’re a hard working student.

HBO GO

HBO GO is a good alternative if you’re a cable lover that never watches anything but movies and a few favorite shows. With this option, you can stream “Last Week Tonight with John Oliver” and “Game of Thrones.” With such popular shows, you can get your friends together for a viewing party or maintain relationships with friends that live faraway. Create games or place bets on who will be murdered next on “Game of Thrones” or debate the controversial issues John Oliver covers on his show. Membership is only $10 per month and can be canceled at anytime.

Hulu

There is both a free and paid version of Hulu. If you don’t mind watching cable shows a week after they air or are looking for re-runs and early ’90s movies, the free version will suit you just fine. For $15 a month, you gain access to a wide collection of new and old television shows and movie offerings.