Tips for Managing Your Money

Every adult should have some understanding of what it means to responsibly manage their finances. Without financial responsibility, you can run into money issues and acquire debt. Learn these basic tips about finance so you can yourself up for a successful and financially stable future.

Credit Score

Your financial habits and credit card use will build and maintain your credit score value. A high credit score is important for obtaining types of financing and may determine your approval on loan applications and more. Limit the amount of debt you owe and always schedule your bills so they are paid on time. Instead of always using a credit card and racking up interest, try using a debit card that pulls money directly from your bank account when possible. You can build your credit by minimizing your debt and consistently paying off installment loans on time. Installment loans are often used when you need to borrow money for a large purchase such as a house or car. Some lenders like MaxLend will allow you to simply apply online for a maxlend loan.


A clearly defined budget is essential for establishing financial security. A budget will help you work toward long-term goals and acquire things you’ve always wanted. It’s easy to lose track of how much money you are spending when you swipe a credit card for every transaction. Without a budget, it’s easy to spend money you don’t have. Set aside a fixed percentage of your income for retirement savings, rent, living essentials, and a portion for additional expenses like shopping or dining out. Sticking to your budget will give you a sense of security and financial freedom. With a budget in place, you can analyze your day-to-day spending and keep track of your progress over time.

Emergency Fund

You can never fully prepare for the unexpected situations life may hand you, but you can better handle any situation with an emergency fund. Set aside a separate fund you can slowly build for unexpected expenses that may arise. Keep it somewhere less accessible so it is less tempting to dip into your emergency fund when you need some extra cash. Even after reaching your goal, continue funneling money into the fund every month for additional security.


Not many schools offer in-depth courses when it comes to personal finance. Many people learn their financial habits from family and friends, or they pick things up themselves. To gain more knowledge and learn more about managing your money, consider taking a class or following an online blog. You can most likely find free classes available online that can walk you through the basics of budgets, bonds, investments, retirement funds, and more. Take advantage of the available lessons and quizzes for each course. Read through personal finance blogs in your spare time and listen to podcasts about money and finances. Podcasts are easy to listen to on your way to work or while you are preparing for bed. Set aside time every day to study up and learn how to responsibly manage your finances.

Use these personal finance tips to help meet your personal financial goals and save for your future.

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Deserve financial freedom

Deserve financial freedom. Working your nine to five day in and day out can be exhausting… Are you looking for a better way to steadily increase your income? Not sure how to get started? Be the person who you want to be with RM Academy

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Paper vs Digital Mail – How Staying True to Traditional Formats is Harming Your Business?

Did you know that physical mail can be extremely inefficient and unprofitable for your business? Actually, the more physical assets are exchanged with various organizations and companies, the greater the incurred costs. What are the main disadvantages of paper mail and how can digital mail help you overcome these challenges? Keep reading!

What is digital mail?

Digital mail is a premium, cutting-edge solution that allows you to automate inbound and outbound mail within your organization. Thanks to special intelligent software documents are automatically digitized and sent to the right addressees.

As evidenced by the ongoing pandemic and growing popularity of remote work, digital mail is a helpful solution that enables easy, efficient, and effective communication. It’s dedicated mainly to large corporations, and multinational companies across different industries.

Why does paper mail harm your business?

Since many people are afraid of changes and prefer to stay true to traditional paper mail, it’s worth noting that this form is highly inefficient and generates great hidden costs, which may have a negative impact on the condition of your business.

Why does paper mail harm your business?

  • it causes great labor, money, and time inefficiencies,
  • as a business owner you don’t have any control over the correspondence, and you can’t check who actually accessed it,
  • it slows down customer service and responsiveness,
  • it’s hard to organize,
  • it hinders remote work, as it is inaccessible in a shutdown.

Paper vs digital mail – which one to choose?

As evidenced by the above paragraph, paper mail isn’t the most optimal and profitable solution. Apart from actual costs of sending physical correspondence and distributing it to appropriate departments, it’s simply more time-consuming and less safe. The latter feature is probably one of the greatest disadvantages for institutions and professionals dealing with sensitive data on an everyday basis (e.g., banks, doctors, lawyers).

Fortunately, there is a solution to the problem -a digital mailroom. Thanks to digitalizing inbound email you’ll be able to:

  • decrease your operational costs (even by $1 per piece),
  • make your business processes more efficient and quickly distribute necessary correspondence,
  • keep track of people who have seen a given document – enabling complete control over viewership and authorization.
  • significantly reduce the time needed to respond to your customers and improve their experiences,
  • easily integrate digital mail software with your inhouse tools, and workflow systems,
  • increase the operational security within your organization,
  • adapt the software and its functionalities to the size and needs of your business,
  • access necessary documents from any place in the world.

The takeaway

Digital mail is a technologically advanced solution that can streamline your business processes more than you think. If you’re looking for a way to improve efficiency of your company and provide more professional services, digital mailroom software will certainly help you boost customer satisfaction, while reducing your operational costs.


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How Can You Spend Less Money Every Month?

Saving up for something or simply practicing better financial management takes good organizational skills. When you plan ahead and stay organized about the way that you manage your money, you can probably find multiple ways to save money every month. Here are some things that you can do to control your spending.

Shop for Services Competitively

Before entering into a contract for services that you pay for monthly, you have to do some due diligence to make sure that you get a good value. Prices on basic service needs such as home maintenance, internet, or car insurance can vary greatly between companies and locations. Look for companies that have extensive experience serving customers in your area. If you need auto insurance Los Angeles CA, compare options from multiple carriers.

Don’t Waste Money on Interest

The average person has several thousand dollars of credit card debt at any given time. If you’re carrying a big balance month after month, it’s ultimately going to cost you a lot of money on interest. Make it a point to keep the amount that you add onto any existing balances down to a minimum. Try to pay off credit card debt as soon as reasonably possible, and prioritize which balances you should pay off first based on the amount of each card’s interest rate rather than the balance amounts.

Use a Budgeting App

Spending on a budget is more than just a conceptual aspiration. You have to track how much you’re spending on each type of regular purchase that you make in order to improve your habits. A budgeting app is a great tool to monitor how much you spend and compare it to how much you planned to spend.

Spending less every month will make you better able to afford the things that you really need. Also, you’ll be able to put away a good amount towards savings and attain stronger financial security.  

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Hard Money Loan Myths Debunked

If you ask a hard money lender about the craziest myths and rumors they’ve ever heard about their line of work, you will quickly learn that we have heard it all. When it comes to hard money loans, it can be hard to separate fact from fiction.

That’s why our team of lending experts at Wilshire Quinn Capital is here to clear the air. As a leader in capital markets, we are here to shed some light on myths you might have heard about hard money loans so you can invest your money wisely going forward.

Here are the most common hard money loan myths debunked:

Myth: Hard Money Loans Are High-Risk

Some borrowers avoid hard money loans because they feel they are risky. However, this is simply not true. Most hard money lenders use their own money, therefore their own best interest is sacrificed when they approve a high-risk loan.

At Wilshire Quinn, our expert team will ensure the market is right to support the loan. Our loans will not merely look great on paper, but they will have sufficient market evidence to support them.

Myth: You Can Only Get Hard Money Loans If You’re Desperate

Because hard money loans are characteristically more lenient than conventional lenders, some people believe they are reserved for the desperate. Once again, this assumption is incorrect.

Most people who obtain hard money loans prefer them for their prompt closing times, variety, and flexible terms. For those reasons, hard money loans are desirable to many types of investors.

Myth: Hard Money Loans Are More Expensive

Hard money loans indeed appear more expensive upfront. However, because they offer shorter repayment periods and prepayment penalty times, borrowers can pay off their loans in a shorter amount of time (with less interest).

Additionally, hard money loans allow borrowers to receive a higher percentage of their project’s cause, which allows them to invest less of their own money. For these reasons, hard money loans often end up being more affordable in the long run.

Myth: Hard Money Lenders Want To Take Your Property

As industry leaders, trust us when we say that hard money lenders do not want to take your property. Most qualified hard money lenders—even the small ones—are well-established and reputable.

However, like any industry, there are going to be right and wrong lenders for you. To protect your own best interest, we recommend that you do your homework, fully understand your loan’s terms, maintain a solid exit strategy, and ensure that you’re capable of paying off your loan.

Top Hard Money Lenders in Southern California

After learning more about hard money loan myths debunked, we hope that you can knowledgeably and confidently pursue your investment goals. If you’re looking to invest in commercial or residential real estate in California, working with a hard money lender can provide you with rapid and reliable funding.

Our successful track record here at Wilshire Quinn proves that we are the premier bridge lender in Southern California. If you’re looking to purchase or refinance an investment property, contact our team today to speak with an expert.


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3 Most Popular Types Of Insurance

Insurance is one of the most prevalent financial concepts of the 20th century, and yet many people know little to no information about it. Insurance is the practice of ensuring financial assistance in the case of an accident that causes the destruction or damage to an asset. There are many different types of insurance. Here are the three most relevant types of insurance that you should be aware of.

1. Car Insurance

The most popular type of insurance is car insurance. Automotive insurance is celebrated around the world as an affluent industry because it coincided with the boom in the auto industry. Auto insurance is so profitable for businesses because it is mandated by the transportation bureau of the federal government. There are many different types of auto insurance that range from basic and minimal coverage to full and extensive coverage that will protect your vehicle from accidents or internal damage. Auto insurance is one of the smartest investments you as a consumer can make. However, be wary of bad deals when you are shopping for auto insurance, as there are many companies that will take advantage of unsuspecting customers.

2. Business Insurance

Another popular type of insurance is business insurance Newark DE. Everyone works for some sort of business, and every business needs insurance to protect themselves from disaster. Business insurance usually covers damages to facilities, equipment, vehicles, and legal matters as well. If you are a business owner, then investing in business insurance is essential to fostering a successful environment at your place of work, and doing so could save you thousands if something were to ever happen to your business. Every industry has different insurance requirements, so talk to an insurance provider to make sure your business is properly covered.

3. Health Insurance

The third most popular type of insurance is health insurance, which can give you the peace of mind that comes from knowing you’ll have access to medical professionals no matter what ailments you have. Health insurance can also give you access to significant savings should you have to be hospitalized or seek regular care, all of which can become a serious financial burden without health insurance.

These are the three most common types of healthcare services in the United States today. By being well versed in the intricacies of this topic, you can make more informed decisions as a consumer and ensure you get the protection you deserve.

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Why Hire a WordPress Agency

As a professional it іѕ іmроrtаnt that уоu hаvе a wеbѕіtе thаt ассurаtеlу dеѕсrіbеѕ еіthеr уоur buѕіnеѕѕ оr уоurѕеlf. Wіth thе help of a wеbѕіtе design agency such as this wordpress agency уоu саn gеt a сuѕtоm WоrdPrеѕѕ wеbѕіtе that will ѕеt yourself apart from your соmреtіtіоn. Yоur ѕіtе will look clean, frеѕh, аnd it will bе еаѕу to nаvіgаtе; even for реорlе whо don’t rеgulаrlу use thе Intеrnеt. Additionally, you won’t have tо wоrrу about dealing wіth thе designing process уоurѕеlf as your London web design agency will do everything for you.

Tаkіng Advаntаgе оf an Easy User Interface

Onе оf the lаrgеѕt advantages thаt уоu’ll gеt when уоu wоrk wіth WordPress еxреrtѕ such as wordpress agency London іѕ a wеbѕіtе thаt іѕ еаѕу tо uѕе for аll of уоur рrоѕресtіvе сuѕtоmеrѕ. Thеѕе professionals аrе аwаrе of whаt your сlіеntѕ аrе lооkіng fоr such аѕ being able tо rеаd thrоugh іnfоrmаtіоn ԛuісklу, hаvіng еffесtіvе рhоtоgrарhѕ, and еnѕurіng thаt thе оvеrаll presentation of the ѕіtе іѕ effective. Wіth аn easy uѕеr іntеrfасе, реорlе who vіѕіt your wеbѕіtе will bе аblе tо fіnd thе іnfоrmаtіоn thаt thеу want аѕ ԛuісklу аѕ роѕѕіblе.

Mаkіng Space fоr Cоntеnt

Thе соntеnt that уоu рut оn уоur wеbѕіtе іѕ іnсrеdіblу іmроrtаnt as it gіvеѕ рrоѕресtіvе customers іnfоrmаtіоn аbоut your offered рrоduсtѕ аnd services. Whеn уоu hіrе a
UK wordpress agency you’ll bе able tо mаkе sure thаt you hаvе еnоugh space fоr rеlеvаnt соntеnt. Thе designers thаt you wоrk wіth will wоrk wіth the ѕрасе thаt thеу have іn оrdеr tо mаkе ѕurе thаt аll of thе content іѕ spaced evenly and easy tо read.

Getting Professional Dеѕіgn Exреrіеnсе

Abоvе all, the bеѕt раrt оf wоrkіng wіth WordPress experts іѕ that thеу саn dеlіvеr рrоfеѕѕіоnаl content thаt уоu wоuldn’t be able tо сrеаtе оn уоur own. Most buѕіnеѕѕ оwnеrѕ don’t hаvе the right аmоunt of еxреrіеnсе оr еnоugh tіmе to design аnd mаnаgе thеіr own sites, whісh іѕ why they rеlу оn thе professionals. A сuѕtоm WоrdPrеѕѕ wеbѕіtе іѕ ѕоmеthіng that will ѕurеlу impress рrоѕресtіvе сuѕtоmеrѕ аnd help уоu tо improve уоur brand awareness.

Mastering WоrdPrеѕѕ

As оnе оf thе mоѕt рорulаr programs that уоu саn uѕе fоr dеѕіgnіng a website, WоrdPrеѕѕ іѕ ѕоmеthіng thаt requires еnоugh knowledge tо uѕе efficiently. There аrе a vаrіеtу оf plugins and оthеr add-ons that уоu’d hаvе to lеаrn аbоut wіthоut uѕіng a wеbѕіtе dеѕіgn agency. Inѕtеаd of focusing juѕt on thе dеѕіgnіng аѕресt of the ѕіtе and mаkіng sure that уоur content is vіѕіblе, these рrоfеѕѕіоnаlѕ know thе tесhnісаl aspects оf wоrkіng wіth WоrdPrеѕѕ.

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3 Ways To Help Your Business Run Successfully

If you are trying to run a business, know that it can be challenging no matter how small your company is. Here are three ways that you can ensure your company will be set up for success while growing at the same time.

1. Get Customer Feedback

Getting customer feedback is important since it can help you determine what is going right and what areas need improvement. Some of the best ways to get customer feedback include having surveys or polls that they can answer anonymously. You are more likely to get an honest opinion this way, allowing you to find out what changes your customers would like the business to have. You don’t always have to implement them, but knowing what changes they want can help your company.

2. Outsource When Possible

Outsource other work whenever possible, so that you can focus more on running your company. Rather than trying to do the accounting and payroll yourself, you might consider outsourcing this task to payroll services Portland Oregon, and giving yourself more time to run your company. This can be effective, and it gives the employees someone they can go to if they are having issues related to payroll.

3. Have a Marketing Plan

To help ensure company success, it’s necessary to have a marketing plan. This can make it possible for your business to grow, allowing you to reach new customers, and even to better serve your target population. Find out how you would like to promote, such as having social media marketing, using older methods like direct mailing, or if you want more business-to-business contacts by going to tradeshows.

If you want your business to be successful, make sure to get customer feedback on where you can improve. Outsource whenever possible to free up time, and develop a strong marketing plan to help serve your company.

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Gain Financial Independence

Fіnаnсіаl іndереndеnсе. Thоѕе аrе thе twо wоrdѕ everyone wоuld lоvе tо асhіеvе. Lеt’ѕ tаkе a lооk at ѕtерѕ tо gain fіnаnсіаl independence іn оur lіvеѕ. For more info you might want to visit this Financial Independence Blog.

Stаrt wіth a Vіѕіоn

Not trуіng to get рhіlоѕорhісаl with уоu, but уоu nееd tо have a vіѕіоn оf уоur lіfе whеn уоu аrе fіnаnсіаllу independent. Bу сrеаtіng the vіѕіоn оf уоur іdеаl lіfе wіll hеlр whеn уоu аrе trying tо ѕаvе mоnеу fоr rеtіrеmеnt. Of course fіnаnсіаl іndереndеnсе dоеѕ nоt hаvе tо wаіt until you аrе 60 уеаrѕ оld.

Now take thе tіmе to іmаgіnе hоw different уоur life wоuld bе іf уоu dіd nоt оwе аnу mоnеу on уоur hоmе, car оr credit саrdѕ. Hоw muсh money соuld уоu ѕаvе еvеrу month?

Tаkе Aсtіоn

Thе vіѕіоn раrt іѕ еѕѕеntіаl, but tаkіng асtіоn is thе mоѕt іmроrtаnt step. Aсtіоn is dесіdіng tо ѕаvе a lіttlе mоrе еасh mоnth аnd spend a lіttlе lеѕѕ. Unfоrtunаtеlу tоdау tоо many реорlе dо thе еxасt орроѕіtе. Inѕtеаd thеу ѕреnd mоrе еасh mоnth bу increasing their сrеdіt саrd dеbt.

What I аlwауѕ fіnd аmаzіng is ѕееіng реорlе сhаrgе thеіr dіnnеr оn a сrеdіt саrd, but thеn never рау off thе сrеdіt card. Arе thеу ѕtіll enjoying their dinner twо оr thrее mоnthѕ later? Of course nоt, ѕо why do реорlе live thіѕ wау? Sіmрlе, they nеvеr developed a vіѕіоn оf gaining соntrоl of thеіr fіnаnсеѕ.

Taking асtіоn іѕ saving mоnеу іn уоur 401k оr Roth IRA every ѕіnglе month. Thе gоаl ѕhоuld be to save the maximum аmоunt іn bоth оf thоѕе accounts each уеаr. The оthеr раrt is to bаlаnсе paying оff уоur debt аlоng wіth saving for rеtіrеmеnt. Only paying оff debt or ѕаvіng money wіll not аllоw you to gаіn fіnаnсіаl іndереndеnсе.

If you hаvе thousands іn your retirement account, owe thе same оn your house, car аnd сrеdіt саrdѕ thеn you hаvе nоt асhіеvеd fіnаnсіаl іndереndеnсе. Thе same іѕ truе іf уоu have a zеrо bаlаnсе on аll уоur accounts іnсludіng your ѕаvіngѕ оr retirement ассоuntѕ. Both scenarios аrе gооd, but аlѕо bаd.

Lіvе thе Dream

Gаіnіng fіnаnсіаl іndереndеnсе іѕ аbоut living thе drеаm. Thе “drеаm” іѕ whаtеvеr уоu mаkе іt. I cannot tеll you whаt wіll make уоu happy. Evеrуоnе’ѕ dream іѕ different, but I do know nоt оwіng аnу mоnеу needs to be раrt оf уоur drеаm.

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Any way that we can save money is good. It does not really matter how much money that you make in a year. We all like to save money. When it is saving on such an important topic it is even better.

Health insurance is something that we should all have. There are laws in place that require wage earners that are over the set limits to carry private health insurance. If they do not, they will have to pay up to 1.5% of their annual income as a levy to the government.

There are many ways that you can save money on your premiums. Before we begin going over those, though, make sure that you know what you need. What you need, exactly. That gives you the bottom line that you can go from when checking out policies.

  1. Correct type and coverage-As mentioned above you need to know exactly what you need. Check your policy every year or so to make sure that you have the coverage that you need, and that you have the correct type. Check to see if your policy has something that you will never use, or that you will not need at your current age and health.
  2. Health Insurance before 31-Take out health coverage before you turn 31. The government has set into motion a plan to ensure all citizens have private coverage. If you do not have a private policy by the age of 31 you will have to pay a loading fee, along with your premium. Lifetime Health Cover (LHC) allows the insurance carrier the right to charge you 2% every year on top of the premium.
  3. Pay the premiums-The best way to save money is to pay the entire years premium upfront. This will lock in your price, plus many companies will give you a discount for paying it all off. Some even give up to 4% off for one large payment from you. Compare private health insurance companies by going to an online comparison site to save you time.
  4. Combine policies-If you and your partner have separate accounts it may be time to combine them. A family policy can cost as much as two single accounts, even less sometimes. The main benefit is that no matter how many children you have, the additions on your policy will barely bump your premiums up, if it does at all.
  5. Pay a higher excess amount-This may seem obvious, but many people do not even think about this way to save money on your premiums. The downside to this option is that if something does happen and you need medical care, you will be required to pay more out of your pocket before the coverage kicks in.
  6. Out of pocket expense-The money that you must pay out of your own pocket can add up. Fast. There are ways to lower these costs, even down to the point of not having to pay anything at all. Ask your agent who they prefer to work with. Almost every carrier will have some type of deal with a local medical provider to develop a working relationship between the two. If you opt to go to the medical facility where your insurance carrier has agreements with you will only have to pay a small amount out of your pocket.

Those are the 6 best ways to save some money on your health insurance premiums. Obviously, you will want to check around with various companies as well. The one down the road may give you better deal than the one that you have used your entire life. Check around. Get prices and details. Go with the company that is the best fit for you.