Credit Card Advance – Quick Cash Advance CVWZ http://quickcashadvancecvwz.com/ Fri, 14 Jan 2022 23:17:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://quickcashadvancecvwz.com/wp-content/uploads/2021/05/default-1.png Credit Card Advance – Quick Cash Advance CVWZ http://quickcashadvancecvwz.com/ 32 32 Cooperative Extension releases class schedule for January and February https://quickcashadvancecvwz.com/cooperative-extension-releases-class-schedule-for-january-and-february/ Fri, 14 Jan 2022 22:25:00 +0000 https://quickcashadvancecvwz.com/cooperative-extension-releases-class-schedule-for-january-and-february/ LUMBERTON — The NC Cooperative Extension Robeson County Center has scheduled several classes for the months of January and February ranging from crop production and pruning to food safety. 2022 Tri-County Agricultural Production Meetings The extension will host three tri-county agricultural production meetings in 2022 at the Southeast Agricultural Events Center, located at 1027 US […]]]>

LUMBERTON — The NC Cooperative Extension Robeson County Center has scheduled several classes for the months of January and February ranging from crop production and pruning to food safety.

2022 Tri-County Agricultural Production Meetings

The extension will host three tri-county agricultural production meetings in 2022 at the Southeast Agricultural Events Center, located at 1027 US 74 E., Lumberton. One hour of CCA credits and NC N, O, D and X pesticide recertification credits will be available at each meeting.

— The first will be a meeting on cotton production scheduled for January 31 from 6 to 8 p.m. Speakers include Dr. Ron Heinger, extension cropping systems specialist; and Dr. Stephanie Kulesza, nutrient and animal waste management specialist. The deadline to register is January 24. Registration can be done at https://go.ncsu.edu/cornpproduction.

— The deadline for registering for the cotton production meeting will be January 27th. The meeting will take place on February 3 from 5:30 to 8 p.m. and will include speakers, Dr. Keith Edimsten; Cotton extension specialist; Dr. Guy Collins, Cotton Extension Specialist; Dr. Charlie Cahoon, Weed Extension Specialist; and Dr. Anders Huseth, extension entomologist. Registration can be completed at https://go.ncsu.edu/cottonpproduction.

– A meeting on soybean production has been scheduled for 6:00 p.m. to 8:00 p.m. on February 24. Speakers include Soybean Extension Specialist Dr. Rachel Vann; Dr. Luke Gatiboni, soil fertility extension specialist; and Dr. Dominic Reisig, extension entomologist. The participant must register before February 17 at https://go.ncsu.edu/soybeanpproduction.

A meal will be provided, so participants must register before the deadline for each event. To register or for more information, contact Mac Malloy, Field Crop Extension Officer, at 910-671-3276 or by email at [email protected]

Food safety

The local extension has scheduled a ServSafe Food Safety Certification training and exam session for February 1-3, 8:30 a.m. to 4:30 p.m., at OP Owens Agricultural Center, 455 Caton Road, Lumberton. The two-hour exam will take place on February 4, from 8:30 a.m. to 1 p.m., with a pre-exam review.

The $125 registration fee – check or money order only, payable to Robeson County Cooperative Extension – can be paid to Cooperative Extension, 455 Caton Road, Lumberton, NC 28360. Fee covers all materials needed to prepare Exam: The “ServSafe Manager” Manual (7th Edition), Exam Answer Sheet, Handouts, and Light Refreshments.

The registration form can be downloaded from the Cooperative Extension website or received by email and must be returned with the registration fee by January 22. The last day to register and pick up a manual is January 22. Interested persons are encouraged to register in advance to allow at least 10 study days before the start of the course. There are no refunds, but substitutions can be made by the enrollee before the first day of class.

If anyone has taken this training offered by Cooperative Extension in the past and needs to retest, they can do so on February 4th. The retest fee is $50 and must be paid by check or money order by January 22.

After the February training, additional ServSafe training will be offered in April, July and October 2022. For more information, contact Jessie Jones at 910-671-3276 or email at [email protected] For disability accommodations, contact Cooperative Extension at 910-671-3276 by February 6. For exam accommodations, ServSafe requires a written request and appropriate documentation by the candidate prior to the exam with sufficient time to receive approval or denial. To learn more about the extension, visit our website at http://robeson.ces.ncsu.edu.

muscatel pruning

The Robeson County Center will be the location for a muscadine growing and pruning workshop scheduled from 10 a.m. to 1 p.m. on February 5.

Topics covered during this workshop will include trellising, training and pruning vines; recommended varieties and cultivars; fertilization recommendations; and pests and diseases.

After taking the first class at the extension office, participants will travel to DJ’s Farm, located at 981 Highway 41 South, Lumberton, for a hands-on pruning experience. Participants should bring their own pruning shears and dress appropriately for the weather. Due to COVID-19 restrictions, face masks are recommended.

The course will be limited to 25 participants. Registration is mandatory. The deadline for registration is February 2. To register, use the following link: https://go.ncsu.edu/muscadineandpruning.

For more information or to register, contact Mack Johnson, Horticultural Extension Officer, at 910-671-3276 or [email protected]

Better Blueberries 101

Those interested in learning how to increase their harvest and the size of their blueberries have until 5 p.m. on February 8 to register for the Better Blueberries 101 course.

The course offered by the North Carolina Cooperative Extension, Robeson County Center is scheduled from 10 a.m. to noon on February 12. It will take place at OP Owens Agriculture Center, located at 455 Caton Road in Lumberton.

Attendees will learn blueberry best practices regarding soil pH, fertilizer requirements, pruning practices and variety selection for the Robeson County area. An outdoor pruning demonstration could be part of the class, so attendees are encouraged to dress for the weather.

Masks will be required due to COVID-19 restrictions.

The course will be limited to 25 participants. To register, go online and use the link https://go.ncsu.edu/betterblueberries101.

For more information or to register, contact Mack Johnson, Horticulture Extension Agent, at 910-671-3276 or [email protected]

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Prosper Marketplace launches credit card https://quickcashadvancecvwz.com/prosper-marketplace-launches-credit-card/ Wed, 12 Jan 2022 19:29:16 +0000 https://quickcashadvancecvwz.com/prosper-marketplace-launches-credit-card/ Digital lending platform Thriving market Launches the Prosper Card to help people stay on top of their finances, no matter where they are on the credit scale. The credit card offers affordable rates, no annual fees for the first year with automatic payment, no-charge ATM cash advances, no security deposit and other perks, the company […]]]>

Digital lending platform Thriving market Launches the Prosper Card to help people stay on top of their finances, no matter where they are on the credit scale.

The credit card offers affordable rates, no annual fees for the first year with automatic payment, no-charge ATM cash advances, no security deposit and other perks, the company said in a statement. Press release Wednesday (January 12).

See also: User experience reigns supreme in credit card decisions

“Consumers working to build their credit profile have historically struggled to find an attractive entry point and are often forced to rely on expensive alternatives. With the Prosper Card, people have access to the affordable credit they need when they need it, as well as tools and resources to help them stay on track with their personal finances, ”said David Kimball, CEO of Prosper Marketplace.

“Since launching in 2006, our platform has facilitated $ 20 billion in affordable lending solutions to over one million consumers through personal loans and home equity lines of credit, and we’re excited to reach even more people with our credit card product, ”added Kimball. .

The Prosper Card aims to encourage personal empowerment while being easy to use. People can apply online and choose their own payment deadline, which the company says is the “best opportunity to make payments on time on a regular basis.”

Read more: Petal Raises $ 140 Million Series D For Building Credit For Underserved People

Prosper Card users can also take advantage of exclusive member benefits that have been developed to help improve the overall financial well-being of clients. Personal finance courses are offered and can be tailored to meet users’ needs and help them achieve their financial goals. The My Prosper Card app is available to help users control their spending, manage payments, and prevent fraud.

Launched in 2005 in Silicon Valley, Prosper strives to help people reshape their lives by delivering affordable financial solutions on an easy-to-use platform.

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NEW PYMNTS DATA: AUTHENTICATION OF IDENTITIES IN THE DIGITAL ECONOMY – DECEMBER 2021

On:More than half of American consumers think biometric authentication methods are faster, more convenient, and more reliable than passwords or PINs, so why are less than 10% using them? PYMNTS, working with Mitek, surveyed more than 2,200 consumers to better define this perception gap from usage and identify ways in which businesses can increase usage.

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Culinary trends to look for this year https://quickcashadvancecvwz.com/culinary-trends-to-look-for-this-year/ Mon, 10 Jan 2022 23:20:19 +0000 https://quickcashadvancecvwz.com/culinary-trends-to-look-for-this-year/ Well, it’s over. Two weeks ago now, 2021 has passed and with it a few food trends we might be happy to say goodbye. With any luck, feta and cream cheese will be back on the shelves now that TikTok Cheese and Tomato Pasta has reached its viral expiration date. And while pesto eggs might […]]]>

Well, it’s over. Two weeks ago now, 2021 has passed and with it a few food trends we might be happy to say goodbye. With any luck, feta and cream cheese will be back on the shelves now that TikTok Cheese and Tomato Pasta has reached its viral expiration date. And while pesto eggs might be the flavor of last year, the espresso martini revival seems here to stay.

Unlike last January, we are starting this new year with vaccines and boosters at our disposal, but the omicron variant will ensure that eating at home remains an unbroken trend. Other habits will take root: take-out meals and meal kits for participatory home cooking will continue, and local delivery services will appeal to third parties known for their abusive prices. Customer interest in food sources, local supply chains, foods containing CBD, and adaptogenic drinks designed to calm us down will remain, like most of us, high. But what else can we expect in the trend forecast for 2022? A few surprises, but many that make sense for the health of the industry as a whole.

Restaurants with limits

Impacted by staff shortages and high food costs, we will continue to see restaurants open for fewer days, with smaller, tighter menus and higher prices. There will be more stringent cancellation policies with some requiring a credit card, no-shows and last minute cancellations incurring a charge per person. On the service side, there will be more bundled tips for front and back staff, a more equitable lump sum hourly wage, and tip suggestions on the bill that start at 20 percent but show the tip calculation at 22 percent. one hundred and 25 percent or more. If you still expect the servers to work so you can eat out, now is the time to embrace that big-tip energy.

Culinary experiences

High-end gastronomy is back. We will see an increase in fixed price tasting menus and chef collaborations. Just as musicians collaborated on pandemic releases, we’ll see more collaborations across the top and bottom of the state with residences, guest conductors, and pre-sale tickets paid in full in advance through sites like Tock. Al fresco dining will also last, fueled by the increase in outdoor events, wood-fired cooking and asado barbecues.

All Comfort Food, all the time

We’ll see more comfort food from chefs cooking foods that reflect who they are, where they are and how they belong, from Nigerian fufu to Lebanese kibbeh. With previous national trends for Korean tacos and desi Indian pizzas already available in the upstate, we’ll see fusion menus from chefs less concerned with restrictive labels or strict authenticity. We will be treated to more culinary mashups like Itameshi, the Japanese version of Italian cuisine, or Mexican-Chinese cuisine with dim sum tamales and tacos with lettuce instead of tortillas.

Eat plant-based and environmentally friendly

The past year has brought a tidal wave in plant-based diets and the integration of vegan menus. In 2022, we can expect more, including the rise of “reducetarism” among those who do not swear against animal products but reduce the amount of meat, dairy and eggs they want. use. We will continue to see alternatives to mushroom-based meat, and with more and more people eating their vegetables in direct-to-consumer channels like CSAs and farmers’ markets, the pandemic growth of frozen vegetables will not happen. probably won’t stop. Plus, here’s a weird one: You know soy, rice, almond, and oat milk, but potato milk is touted as the next big thing.

Fermented and preserved foods


Another pandemic hobby has spurred the popularity of pickling, canning, drying and storing salt, and this is expected to continue with restaurants expanding pickle programs, exploring koji fermentation and using koji fermentation. fermented products like vinegar and kombucha in cooking and cocktails, some even drying out and finding use for these mighty potent kombucha mothers. Kefir and kefir drinks that are good for the gut will continue as part of the widespread interest in drinks that are good for the body.

Low ABV cocktails

While mocktails have found a respected place on cocktail lists for those who don’t drink, it is the widespread interest in low-alcohol cocktails that shows a major shift in the market. Consumers choose low-alcohol spritzes and amari-based cocktails to reduce their overall alcohol intake or alternate with more alcoholic drinks on a night out. Canned cocktails continue to reflect this interest and are taking over from the low calorie, ABV hard seltzer of 2020.

Dairy free ice cream

Sunflower seed butter and oat milk are two leading plant-based products on the ice cream or fro-yo scene, and along with Ben and Jerry’s, four non-dairy flavors, oat milk d oats in partnership with 16 Handfuls and Hudson’s own Creme Culture selling kefir and probiotic sorbets and ice cream with fermented and alcoholic flavors, we can expect more fresh treats in 2022.

Spice & Heat

Crispy Chilean Oil was the star of 2021, and who hasn’t watched “First We Feast: Hot Ones” episodes with celebrities working on increasingly painful hot wings? Well, spicy sauces like gochujang and hot pepper oil were just the tip of the condiment, and we can expect to see more spice on our plates this year.

Splurge on luxury

My New Years social media was filled with people throwing 1 and 2 year old leaven in a weirdly cathartic and symbolic end to their required self-sufficiency. But as many posts featured big spoonfuls of caviar stacked on potato chips, latkes, and fried chicken with a layer of sour cream. Between that and the unstoppable interest in pet-nat wine and authentic champagne, it seems that our taste for the luxury of life is returning.

Dinner with pandemic puppies

You cannot have missed the pandemic puppy epidemic that skyrocketed when isolation and the need for emotional contact and support were at an all time high. Today, these little patches of fur drag their owners to sidewalk parking lots for breakfast, lunch, and dinner, and more restaurants are ready to welcome well-behaved dogs outside and outside. inside, even if the health service says it is banned.

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Walter Wendler examines college debt and single parents https://quickcashadvancecvwz.com/walter-wendler-examines-college-debt-and-single-parents/ Sun, 09 Jan 2022 08:26:15 +0000 https://quickcashadvancecvwz.com/walter-wendler-examines-college-debt-and-single-parents/ (Editor’s note: third in a series on student loan debt.) While debt for a college education can be debilitating for many, it can be especially crippling for single parents. For example, a 48-year-old single mother has a cumulative debt of $ 430,000 for graduate degrees. Her dream of becoming a college professor led her to […]]]>

(Editor’s note: third in a series on student loan debt.)

While debt for a college education can be debilitating for many, it can be especially crippling for single parents. For example, a 48-year-old single mother has a cumulative debt of $ 430,000 for graduate degrees. Her dream of becoming a college professor led her to what she ultimately sees as an unfortunate decision.

In all likelihood, even with a doctorate, she will never be able to repay what she owes. As with many single parents carrying the burden of school debt, her life is complicated by additional complications such as caring for a girl with leukemia. After graduating in 2014, his student debt accumulated over $ 70,000 in interest and continues to grow, according to a report in Business Insider. His only hope lies in the birth of a completely redesigned student loan program. Although this case is atypical, it is illustrative and noteworthy for parents of children who wish to attend or complete university.


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Should you repay your personal loan sooner? https://quickcashadvancecvwz.com/should-you-repay-your-personal-loan-sooner/ Fri, 07 Jan 2022 16:23:21 +0000 https://quickcashadvancecvwz.com/should-you-repay-your-personal-loan-sooner/ There are many reasons people take out a personal loan, including vacation expenses, wedding expenses, home renovations, and more. Being in debt is stressful, and the punishment for defaulting on payments can come in the form of legal action, a drop in your credit rating, or large late fees. This is why it is crucial […]]]>

There are many reasons people take out a personal loan, including vacation expenses, wedding expenses, home renovations, and more.

Being in debt is stressful, and the punishment for defaulting on payments can come in the form of legal action, a drop in your credit rating, or large late fees. This is why it is crucial that you do everything in your power to pay off your debt as quickly as possible. You may have heard that pay off what you owe as soon as possible can help you save extra money in the long run which sometimes it does.

In general, the longer you get bogged down in paying off debt, the more interest you will pay over the life of the loan. Therefore, it makes sense to prepay your loan. However, there are a few things to consider before you finish your payments several months earlier.

It’s possible?

Yes, it is possible to prepay your loan, saving you a few months over your repayment period. However, note that some lenders may charge a prepayment penalty fee for early repayment of the loan.

These fees are either an amount that indicates how much the lender will lose in interest if you prepay the loan, or calculated as a percentage of what you have to pay on the personal loan. Also, keep in mind that the way the penalty is calculated varies from lender to lender.

Also, all penalties are usually included in your loan agreement. On that note, if you decide to pay off your personal loan before the end of the loan term, call your lender or check your loan documents to make sure you won’t be charged a prepayment penalty.

Will it affect your credit score?

When it comes to paying off your credit card debt, you are reducing the amount of debt compared to your credit limit. This means that your credit utilization rate is lowered; thus improving your credit score.

However, personal loans do not work the same as they are installment debts. On the flip side, credit card balances are revolving debt, which means you can borrow more money up to your maximum credit limit as you make payments. In addition, there is no fixed repayment period.

Note that installment debt requires you to repay what you owe in equal and regular amounts within a set repayment period. Once you have paid off the debt, the account is then closed.

When you repay a personal loan in advance, it will show a shorter account life on your credit report. Remember, the longer your credit history, the higher your credit score. That said, you can lower your average credit score and the length of your credit history if you prepay a personal loan. A low credit score can prevent you from finding a job, good financial products, or housing.

On top of that, when you pay off debt early, you will lose the ability to make timely payments. Note that the more on time you make your payments, the more it will help you increase your credit score.

Things to keep in mind

Here’s a rundown of things to keep in mind if you decide to prepay your personal loan.

  • Monthly expenses. Consider your monthly expenses first before deciding to pay off your debt in advance. It doesn’t make sense to prepay your loan if it hurts your living expenses.
  • Interest rate. Make sure you compare the interest rate on the loan you want to prepay against your other debts. In general, debts such as credit card balances often carry high rates. This means that it makes more sense to pay them off first. By paying off debts with the highest interest rate, you’ll save more on long-term interest charges.
  • Retirement fund. Saving for retirement is vitally important, regardless of your age. If possible, you should save money for your retirement and not withdraw money from this account. So don’t use your retirement money to prepay your personal loan; this could have serious tax consequences.
  • Emergency savings account. An emergency savings account is designed to help you pay for unforeseen expenses such as car problems or medical bills. Setting up an emergency savings account is something you should consider before you prepay your loan.

Final result

Is debt consolidation a good reason to take out a personal loan, or is urgency a good reason for a loan? Well, both reasons are logical for getting a personal loan. Personal loans can be an affordable and convenient way to pay a large expense.

Plus, when used responsibly, it can improve your credit history. However, it would be best to consider whether your situation would allow you to take advantage of a personal loan. Paying off the loan in advance can leave you in a situation where you’ll likely write off all the money you saved on interest, pay a prepayment penalty, and it can hurt your credit history.


Michael started Your Money Geek to make personal finance fun. He has worked in personal finance for over 20 years, helping families lower taxes, increase income, and save for retirement. Michael is passionate about personal finances, side activities and everything geeky.



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Poll: 2 out of 3 don’t see improvement in their personal finances in 2022 Images | Personal finance https://quickcashadvancecvwz.com/poll-2-out-of-3-dont-see-improvement-in-their-personal-finances-in-2022-images-personal-finance/ Wed, 05 Jan 2022 12:23:00 +0000 https://quickcashadvancecvwz.com/poll-2-out-of-3-dont-see-improvement-in-their-personal-finances-in-2022-images-personal-finance/ Two-thirds of U.S. consumers don’t expect their personal finances to improve in 2022, with just over half of that group citing inflation as a barrier to better financial health, according to the Financial Security Index of Bankrate December. Inflation jumped 6.8% in November 2021, putting it at an all-time high of 39 years as food, […]]]>

Two-thirds of U.S. consumers don’t expect their personal finances to improve in 2022, with just over half of that group citing inflation as a barrier to better financial health, according to the Financial Security Index of Bankrate December. Inflation jumped 6.8% in November 2021, putting it at an all-time high of 39 years as food, housing and energy prices soared.

“Inflation concerns have lowered consumer confidence to its lowest level in a decade and is the number one reason Americans don’t expect their finances to improve, especially to improve. deteriorate, “said Greg McBride, chief financial analyst at Bankrate. “This sentiment goes far beyond gas prices, as inflation has widened and consumers are seeing higher prices at every turn.”

Other top reasons cited by those who don’t expect financial improvement in 2022 include the ongoing COVID-19 pandemic, stagnant or falling wages, personal debt, and shifting interest rates. Of the one-third of respondents to the personal finance survey who expect their financial situation to improve in the coming year, 46% attribute their optimism to making more money at work and 36% to having less debt.

Main conclusions:

—COVID-19 is still considered a financial hurdle in 2022.

– Others blame political partisanship for the financial problems.

– Financial optimism varies by age and location.

—U.S. Consumers are determined to reduce their debt.

COVID-19 Still Seen As A Financial Barrier In 2022

The ongoing COVID-19 pandemic is one of the main reasons people expect their personal finances not to improve in 2022, according to the survey, which was conducted after the emergence of the omicron variant. As the country is on the verge of entering the third year of the pandemic, rising prices and supply chain issues are areas of concern, and some people continue to postpone financial milestones as a result.

The omicron variant may spread more easily than other variants, and the effectiveness of vaccines against these newer variants remains to be determined, the CDC reports. It also remains to be seen to what extent the omicron will affect the economy, experts say.

Others blame political partisanship for financial problems

Political partisanship is one reason many U.S. consumers expect their finances not to improve in 2022, according to the survey. Those who expected their financial situation to worsen or stay the same are blaming political leaders in Washington at a rate of 57% and 25%, respectively.

In recent days, the Senate voted in favor of a bill that would allow the debt ceiling to be lifted, a move that could prevent the country from defaulting on its debt. If the two political parties fail to agree on the terms of a bill that would increase the amount of money the government is allowed to borrow, the US economy could be at risk, analysts said.

Financial optimism varies by age and location

Optimism about improving finances in 2022 is highest among Gen Zs, those born from 1997 to 2012, and decreases with each successive generation, according to the Bankrate survey results.

Gen Z and millennials who said they were optimistic about 2022’s finances most often attributed it to making more money at work, while baby boomers who felt positive reported having less debt.

Among those who thought their financial situation would worsen in 2022, inflation was cited prominently as the reason by Gen Xers (73%) and Baby Boomers (79%), compared with a smaller percentage of the generation Y (53%).

Levels of financial optimism also varied by geographic region, with Westerners having the most positive outlook (40%) and Midwesters having the least positive (28%).

American consumers are determined to reduce their debt

When it comes to financial goals, 20% of survey respondents most often mentioned paying off their debts as a priority. Strengthening emergency savings was cited by 14 percent, while staying on a budget was cited by 13 percent. Other goals cited by respondents include saving for retirement, investing more, getting a better-paying job, and buying a home. Almost a fifth of respondents, however, said they did not have financial goals.

“Paying off debt before interest rates start to rise is a prudent move and the most cited financial target for 2022,” McBride said. “Saving more for emergencies, budgeting better for expenses and saving more for retirement are all marks that are also emerging on the road to financial security. “

How to repay your debt in 2022

A fifth of those surveyed identified paying down debt in the coming year as a financial priority. Here are some steps you can take to get started:

-Respect a budget. Create a monthly budget if you don’t already have one. Include a line for debt repayment. Once you’ve listed your other monthly expenses like housing, utilities, car payments, and food, you’ll have an idea of ​​how much you can spend on debt repayment.

– Put money in an emergency fund. The biggest regret of most Americans is not saving enough for emergencies. Having money in the bank for often unforeseen expenses like medical bills, household appliance purchases, or car repairs can keep you from going into more debt.

—Cancel unused subscriptions. Examine credit card statements for items you no longer use, such as streaming services, newspaper subscriptions, and gym memberships. These fees add up and you might be amazed at how much you can save each month by eliminating them.

– Spend less on food. Rather than dramatically reducing restaurant expenses, try eating more often at home. Plus, preparing meals in advance can help you avoid spending excessive sums on take out for lunch or dinner.


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steps to higher net worth | Savings and budgeting https://quickcashadvancecvwz.com/steps-to-higher-net-worth-savings-and-budgeting/ Mon, 03 Jan 2022 15:25:00 +0000 https://quickcashadvancecvwz.com/steps-to-higher-net-worth-savings-and-budgeting/ If you’re someone who makes New Year’s resolutions, building higher net worth is probably on your list. Establishing a plan to achieve that goal is a first step, but know that results won’t come quickly. As Scott Alan Turner, a certified financial planner in Dallas, puts it, “Wealth is built over time, not overnight.” “When […]]]>

If you’re someone who makes New Year’s resolutions, building higher net worth is probably on your list.

Establishing a plan to achieve that goal is a first step, but know that results won’t come quickly. As Scott Alan Turner, a certified financial planner in Dallas, puts it, “Wealth is built over time, not overnight.”

“When I teach people about building wealth, one of the best things they can do is be patient,” he says. “Compound interest works if you allow it. The time it takes $ 500 to double to $ 1,000 is exactly the same time it takes $ 50,000 to double to $ 100,000, or $ 500,000 to $ 1 million.

That said, to accumulate more wealth in 2022, try these suggestions for financial advisors serving high net worth clients.

  • Update your budget.
  • Boost your savings.
  • Pay off the debt.
  • Increase pension contributions.
  • Invest in yourself.
  • Reduce your tax bill.
  • Improve your career.
  • Audit your insurance.

Update your budget

If you already have a budget – and I hope you have it – analyze it and update it. After all, no budget can stay the same for long. You get a pet, add a streaming service or buy a car, and suddenly your budget changes.

Brian Stivers, investment advisor and founder of Stivers Financial Services in Knoxville, Tennessee, suggests that you start the year by weighing your monthly budget in increments of “major lifestyle expenses” and “non-essential expenses,” the latter of which which may include a gym membership. or restaurant shopping.

“Then make an informed decision about how much discretionary income you have available for your financial goals,” says Stivers. Once you have a number in mind that could be used for retirement or a savings account, start putting that money aside each month.

Boost your savings

If you don’t have one, you absolutely need a savings account. Your savings account, which could also be your emergency fund, needs to grow because if you borrow money from yourself you will be in less debt, which in turn increases your net worth. Without a savings account to put money aside and help organize your finances, it’s hard to imagine getting rich.

A savings account is at the heart of any strong financial portfolio. It allows you to manage your cash flow and pay for any unforeseen expenses, such as a major car repair, without having to take out a personal loan. If you come across an investment opportunity, a strong savings account may be the place for you to invest. As long as you pay your bills, there’s nothing wrong with fattening a savings account and increasing your net worth.

Pay off the debt

Mark Charnet, founder and CEO of American Prosperity Group, in Pompton Plains, New Jersey, says paying down debt is a critical first step in building wealth. Wealthy individuals tend not to pay a fortune in interest.

Your net worth is the sum of liabilities minus assets. So, as your debt decreases and your income and assets increase, your net worth increases.

“The first rule to increasing your net worth is eliminating debt and should accompany every financial plan,” Charnet said. He adds that you may not be able to erase all of your debt quickly, but when you pay off credit card debt, you will always want to pay more than the minimum required.

However, when it comes to your mortgage, Charnet says there is currently no need to shell out more than your payment. “Some financial advisers suggest that a person had better speed up their mortgage payments,” Charnet said. “However, with mortgage rates at all-time lows, this financial advisor says this is the last thing to do.”

Increase pension contributions

Next, increase the funding for your retirement plan. Many experts suggest spending 10-15% of your annual income for retirement. If you are far from that, try saving 1% or 2% more. Small additional contributions, if you make them with each paycheck, will add up over the years.

In case you’re wondering whether you should pay off all of your debt and then set up a retirement plan, many financial advisers suggest doing both at the same time – assuming it will take years to pay off everything you do. must.

“Take a balanced approach to investing the money found in your budget and reducing your debt,” advises Stivers. “If you have $ 500 a month for financial planning and you have credit card debt, take half for debt and half for savings and investments. “

Invest in yourself

While it’s always a good idea to invest in your future by putting money for retirement or your children’s future, investing in yourself now could increase your net worth.

For example, if you go to college, in theory you could get a better job. Of course, it depends on the type of degree you get. In 2021, the National Association of Colleges and Employers analyzed which master’s degrees tend to generate the highest incomes. A master’s degree in biology will earn graduates about 87% more than without it. A master’s degree in accounting will, on average, result in a salary increase of 4%. You will also want to weigh your potential earnings against graduate student debt.

If you hire a career or financial coach, you might get information that will lead you to a promotion. Investing in yourself won’t always help you get rich, but if you think there are some obstacles preventing you from living your best life, solving these issues can free you up to increase your income and build up wealth.

Reduce your tax bill

Everyone should be paying their fair share, of course, but taking advantage of tax breaks will help your net worth rise.

Tax credits, such as the Child Care and Dependent Care Tax Credit and the Lifetime Learning Credit, directly offset your taxes owed. Meanwhile, a tax deduction reduces your taxable income.

If you can lower your tax rate, you could potentially save thousands of dollars. Consider your tax bracket. For example, if you are single and earn $ 86,376 per year, your tax rate is 24%. By following the advice of a financial advisor and reducing your taxable income by just one dollar, such as making qualified charitable contributions, your tax rate would rise to the next bracket – 22%.

Again, no one is suggesting that you aren’t paying your fair share of taxes, but whether you can increase your net worth by lowering your tax bill in a way the government allows you, like taking advantage of tax deductions or of tax credits, why not?

Improve your career

According to the career website Zippia, for example, the average annual salary for any American employee is $ 47,520, while for a business owner that number jumps to $ 95,559. Of course, things may not turn out the way you want them to. A lot of businesses don’t succeed. But if yours does and you own a successful business, you might find that your net worth increases dramatically.

Audit your insurance

Insurance can be extremely expensive, as self-employed people with health insurance – or parents who insure teenage drivers – can tell you.

Maybe you have great insurance. But if you often get growls every time you pay for your monthly health insurance, life insurance Where car insurance premiums, or wondering if you’re getting a good deal on your home or tenant insurance, do yourself a favor and compare.

For example, last year, the Centers for Medicare & Medicaid Services released data showing that returning consumers could save, on average, 40% of their monthly premiums thanks to improved tax credits that have been enacted in the ‘American Rescue Plan Act of 2021. If you can lower your insurance premiums without drastically reducing coverage, you could put savings into your retirement or other investments to increase your net worth.


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Day one hikes and runs take place across Indiana on January 1 https://quickcashadvancecvwz.com/day-one-hikes-and-runs-take-place-across-indiana-on-january-1/ Sat, 01 Jan 2022 20:35:49 +0000 https://quickcashadvancecvwz.com/day-one-hikes-and-runs-take-place-across-indiana-on-january-1/ Go to a state park, forest or recreation area to participate in a Day one hike or the untimed race is a New Year’s Day tradition for many. Events provide a chance to get out, enjoy nature, and maybe burn some calories while on vacation. In Indiana, the hikes are organized by Indiana State Parks […]]]>

Go to a state park, forest or recreation area to participate in a Day one hike or the untimed race is a New Year’s Day tradition for many. Events provide a chance to get out, enjoy nature, and maybe burn some calories while on vacation.

In Indiana, the hikes are organized by Indiana State Parks in cooperation with US state parks. Day one hikes will take place in all 50 states this year. They first appeared over 20 years ago in the Blue Hills Preserve, a state park in Milton, Massachusetts.

Two participants approach the bell at the end of the class after running in the 2021 day one run and walk in the Fairfax State Recreation Area at Lake Monroe.

While some hikes and runs have been canceled in 2021 due to COVID-19, the first day Trail Run and Walk at Fairfax State Recreation Area in Monroe Lake happened, with a few changes to keep people safe – no registration day, a staggered departure to reduce the number of people grouped together, and no post-hike buffet.

More things to do:Ice skating at the Frank Southern Ice Arena, New Years Eve parties, polar diving


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South Africa’s e-commerce industry set to reach $ 7.9 billion by 2027 – ResearchAndMarkets.com | https://quickcashadvancecvwz.com/south-africas-e-commerce-industry-set-to-reach-7-9-billion-by-2027-researchandmarkets-com/ Wed, 29 Dec 2021 14:24:46 +0000 https://quickcashadvancecvwz.com/south-africas-e-commerce-industry-set-to-reach-7-9-billion-by-2027-researchandmarkets-com/ DUBLIN – (BUSINESS WIRE) – December 29, 2021– the “South Africa Ecommerce Market Size, Forecast 2022-2027, Industry Trends, Share, Growth, Impact of COVID-19, Business Opportunity Analysis” the report was added to ResearchAndMarkets.comoffer. According to this report, the e-commerce market in South Africa will reach $ 7.9 billion by 2027, up from $ 4.5 billion in […]]]>

DUBLIN – (BUSINESS WIRE) – December 29, 2021–

the “South Africa Ecommerce Market Size, Forecast 2022-2027, Industry Trends, Share, Growth, Impact of COVID-19, Business Opportunity Analysis” the report was added to ResearchAndMarkets.comoffer.

According to this report, the e-commerce market in South Africa will reach $ 7.9 billion by 2027, up from $ 4.5 billion in 2021.

Companies mentioned

  • Take a lot
  • Superbalist
  • Woolworths
  • Amazon
  • MRP

Over the years, e-commerce has been one of the components of the more complete digital transformation (or digitization) of the economy in South Africa.

E-commerce is primarily deployed across various business models, including business-to-business (B2B), business-to-customer (B2C), client-to-customer (C2C), and client-to-business (C2B ). These South African platforms offer several advantages over traditional brick and mortar solutions, such as inventory cost, control, improved profit margins, numerous discounts, and hassle-free delivery of goods and services. The increase in online shopping in South Africa presents an exciting growth opportunity for retailers, manufacturers and wholesalers.

In 2020, there were over 18 million online shoppers in South Africa

The increasing penetration of smart devices and increasing internet connectivity have led to e-commerce platforms. Apart from this, the increasing integration of e-commerce platforms with various advanced technologies, such as cloud computing, artificial intelligence, predictive analytics, etc., also boosts the growth of e-commerce market. in South Africa. According to our research results, in 2020, there were over 18 million e-commerce users in South Africa, with over 6 million additional users shopping online.

South Africa’s e-commerce market was US $ 4.5 billion in 2021

E-commerce platforms have been widely adopted across various industries in South Africa, such as toys, hobbies and DIY, furniture, food and personal care, fashion and electronics, and media. Fashion is the main category of products, accounting for more than double the revenue generated by any category with the second category of products for toys, hobbies and DIY. Clothing, home appliances, electronics, footwear and health products are the most popular categories among South African online shoppers.

Moreover, the South African e-commerce platform is the most popular fashion shopping app. Fashion business houses are posting their products on e-commerce websites and social media sites, attracting more and more buyers. Online media help fashion houses get their products across South Africa with a minimum investment of money.

Impact of Covid-19 on the e-commerce industry in South Africa

E-commerce is one of the few industries that has seen increased interaction with consumers in the context of COVID-19. In South Africa, online shopping has been in high demand due to the 2020 lockdown. These door-to-door or door-to-door orders have highlighted the value of e-commerce as consumers are forced to stay at home and find others. ways to shop digitally. purchases in South Africa.

South Africa’s e-commerce industry is expected to grow with a CAGR of 9.83% from 2020 to 2027

Based on the payment method, various digital payments such as bank transfers, cards, cash on delivery (COD), drop shipping and e-wallet are increasingly popular in South African countries. Credit cards and debit cards are the most preferred payment methods. Consumers also use e-wallet and EFT services for online payment. The electronic wallet allows customers to receive, store and spend money using a mobile phone, even without Internet access. However, another standard payment method is drop shipping, which indicates that users pay for their order on delivery. In economies with low credit card infiltration and less confidence in digital payments made up-front, drop shipping has become the most accepted form of payment.

Main topics covered:

1. Introduction

2. Research methodology

3. Executive summary

4. Market dynamics

4.1 Growth drivers

4.2 challenges

5. South Africa e-commerce market

6. Analysis of e-commerce in South Africa

6.1 Online buyer numbers

6.2 Online shoppers penetration

7. Market share – South Africa e-commerce market

7.1 By type

7.2 By payment method

8. Type – South Africa e-commerce market

8.1 Toys, hobbies and crafts

8.2 Furniture

8.3 Nutrition and personal care

8.4 Mode

8.5 Electronics and media

9. Method of payment – South Africa e-commerce market

9.1 Bank transfer

9.2 Cards

9.3 Cash on delivery (COD)

9.4 Direct delivery

9.5 Electronic wallet

9.6 Others

10. Five Forces Carriers

10.1 Overview

10.2 Bargaining power of buyers

10.3 Bargaining power of suppliers

10.4 Degree of competition

10.5 Threat of new entrants

10.6 Threat of substitutes

11. Business analysis

For more information on this report, visit https://www.researchandmarkets.com/r/jlqxqe

View source version on businesswire.com:https://www.businesswire.com/news/home/20211229005272/en/

CONTACT: ResearchAndMarkets.com

Laura Wood, Senior Press Director

press@researchandmarkets.com

For EST office hours, call 1-917-300-0470

For USA / CAN call toll free 1-800-526-8630

For GMT office hours, call + 353-1-416-8900

KEYWORD: AFRICA SOUTH AFRICA

INDUSTRY KEYWORD: TECHNOLOGY ONLINE RETAIL INTERNET RETAIL

SOURCE: Research and markets

Copyright Business Wire 2021.

PUB: 12/29/2021 9:24 a.m. / DISC: 12/29/2021 9:24 a.m.

http://www.businesswire.com/news/home/20211229005272/en


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new capitalism in the Kishida administration and competition policy in Japan | White & Case LLP https://quickcashadvancecvwz.com/new-capitalism-in-the-kishida-administration-and-competition-policy-in-japan-white-case-llp/ Mon, 27 Dec 2021 18:13:31 +0000 https://quickcashadvancecvwz.com/new-capitalism-in-the-kishida-administration-and-competition-policy-in-japan-white-case-llp/ Fumio Kishida was appointed Prime Minister of Japan on October 4, 2021, and the Kishida administration was formed on the same day. They target the “new capitalism” based on the concept of a “virtuous cycle of growth and distribution” and “the development of a new society after the COVID-19 pandemic”, in particular by strengthening competition […]]]>

Fumio Kishida was appointed Prime Minister of Japan on October 4, 2021, and the Kishida administration was formed on the same day. They target the “new capitalism” based on the concept of a “virtuous cycle of growth and distribution” and “the development of a new society after the COVID-19 pandemic”, in particular by strengthening competition policy to promote fair competition.

On October 4, 2021, Fumio Kishida was appointed 100th Prime Minister of Japan and was re-elected 101st Prime Minister of Japan on November 11, 2021. The Kishida administration established the seat of the new capitalism to achieve the “new capitalism” based on the concept of “virtuous cycle of growth and distribution” and “the development of a new society after the COVID-19 pandemic” and began discussions on October 26, 2021. Currently, there is a movement in the world to build a new capitalism that emphasizes sustainability and “people” and leads to new investments and growth. The Kishida administration aims to lead this movement.

On November 8, 2021, the Kishida administration announced “The Urgent Proposal -“ The New Capitalism ”for the Future and Its Launch” (“Proposal”).1 The proposal consists of two main pillars: growth strategies and distribution strategies. This article focuses on strategies specifically related to competition policy in Japan.

I. Growth strategies

Growth strategies include: (i) promoting a nation of science and technology; (ii) revive the dynamism of Japanese companies, by providing in-depth support to start-ups, leaders of innovation; (iii) revitalize local regions and launch the “Digital Garden City Nation Concept” to connect with the world; and (iv) economic security.

Promotion of digital transformation (DX) is one of the growth strategies for promoting a nation of science and technology. In this context, the proposal suggests improving the cashless payment environment by making settlement fees transparent. Interchange fees (that is, fees paid by a settlement company that contracts with a store to a settlement company that contracts with a user when payment is made by credit card) apparently account for 70 percent of merchant credit charges. The Japanese Fair Trade Commission (“JFTC”) is conducting an informational investigation into the status of disclosure of standard rates, etc. 2022). In addition to the JFTC, other relevant ministries and agencies (for example, the Ministry of Economy, Trade and Industry (“METI”) will examine effective ways of disclosing information to develop the payments society. cashless.

Regarding the revival of the dynamism of Japanese companies and extensive support for start-ups, the Proposal aims to strengthen competition policy to promote fair competition. In order to advance New Capitalism, it is important to create a thriving middle class, comprising small and medium enterprises, contractors and start-ups. The effectiveness of the advocacy function of the JFTC should be enhanced, especially with regard to appropriate transactions for start-ups and SMEs as well as in infrastructure sectors such as digital markets (e.g. telecommunications) and energy markets (eg electricity). The JFTC should be strengthened in a targeted and systematic manner through qualitative improvement (eg improvement of professional knowledge) as well as quantitative improvement (eg drastic expansion of the organization and staff).

Previously, the JFTC and METI jointly formulated the “Guidelines for Business Partnership Contracts with Startups” on March 29, 2021.2 The guidelines have been prepared to aim to present ideal approaches for contracts with startups. In addition, on December 23, 2021, the JFTC and METI released draft “Guidelines for Business Collaboration with Startups and Investing in Startups” and began soliciting comments from the public.3. Comments are due by 6:00 p.m. on January 21, 2022 JST.

In addition to the above, the proposal aims to promote transparency and fairness in the digital advertising market. Digital advertising is an important infrastructure that supports the digital market. As the market becomes more and more oligopolistic, various issues have been reported, such as unilateral rule changes by platform operators and bogus claims for advertising costs due to filling the number of ads viewed. In light of these circumstances, the digital advertising market should be added to the scope of the Law on Improving Transparency and Fairness (Law No. 38 of 2020; “TFDPA”). In the context of the TFDPA, the METI designates certain digital platform operators as “Specified digital platform providers” who are subject to regulation. So far, some operators of full online shopping malls digital platforms selling goods and some operators of digital app store platforms have been designated as the providers of specific digital platforms.4, but not the operators of digital digital advertising platforms. The proposal suggests developing systems of transparency and fairness in the digital advertising market by adding it to the scope of the TFDPA; it aims to require large digital platform operators to disclose details and reasons in advance when changing the rules and to demand a detailed explanation of the risks of getting advertising fees incorrectly.

Any further, review of the initial public offering (IPO) process and the Special Purpose Acquisition Company (SPAC) system is also one of the Growth Strategies in terms of reviving the dynamism of Japanese companies, by providing in-depth support to start-ups, leaders in innovation. Currently, Japan’s rating system is not user-friendly for entrepreneurs who wish to undertake further changes. It was pointed out that the Japanese quotation system is structured in such a way that clients of securities companies, not start-ups, make money and there is not enough money to startups. Specifically in the case of IPOs, a share price on the first day of listing (opening price) tends to be significantly higher than a price (IPO price) at which entrepreneurs have. sold their shares, and entrepreneurs tend to earn less money compared to foreign countries. In light of such a situation, the JFTC should endeavor to understand the reality of the situation regarding the IPO pricing process.

II. Distribution strategies – Strengthen investment in “people” who will bring security and growth

Distribution strategies include: (i) support for strengthening distribution in the private sector, including in the medium and long term, and (ii) strengthening the distribution function in the public sector.

One of the strategies of (i) is to strengthen distribution to non-regular workers through new legislation to protect the self-employed. The COVID-19 pandemic has had a major impact on independents. In order to create an environment where the self-employed can work in all serenity, a new law protecting the self-employed will be submitted to the Diet as soon as possible. At the same time, the execution structure of the JFTC should be developed accordingly.

In this regard, the JFTC and METI as well as the Cabinet Secretariat, the Small and Medium Enterprises Agency and the Ministry of Health, Labor and Welfare have published the “Guidelines for the Establishment of a safe working environment as a self-employed worker ”on March 26, 2021.5

The proposal states that the headquarters of the new capitalism will compile its concrete vision and plans next spring, and take the initiative in disseminating them to the world. When formulating the plans, the administration of Kishida will organize roundtables as needed and listen carefully to the voices of various stakeholders.

1 The proposal is available in Japanese at https://www.cas.go.jp/jp/seisaku/atarashii_sihonsyugi/pdf/kinkyuteigen_honbun_set.pdf
2 The METI press release entitled “Guidelines on commercial partnership contracts with startups formulated” (March 29, 2021) is available in English at https://www.meti.go.jp/english/press/2021/0329_003.html; the Guidelines are only available in Japanese at https://www.meti.go.jp/press/2020/03/20210329004/20210329004-1.pdf
3 The JFTC press release of December 23, 2021 is available in Japanese at https://www.jftc.go.jp/houdou/pressrelease/2021/dec/211223pressrelease.html; the draft guidelines for public comment are available in Japanese at https://www.jftc.go.jp/houdou/pressrelease/2021/dec/211223_pressrelease2.pdf
4 The METI press release entitled “Designation of Digital Platform Providers Subject to Specific Regulations Under the Act on Improving Transparency and Fairness of Digital Platforms” (April 1, 2021) is available in English at https://www.meti.go.jp/english/press/2021/0401_001.html
5 The JFTC press release of March 26, 2021 is available in Japanese at https://www.jftc.go.jp/houdou/pressrelease/2021/mar/210326.html; the Guidelines are available in Japanese at https://www.jftc.go.jp/houdou/pressrelease/2021/mar/210326free03.pdf

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