There are several out there who often forget or probably cannot pay up for their income taxes on time. Even though they file their returns on time, things do not materialize naturally or as expected due to financial problems. There are times when people tend to panic especially when they aren’t informed that there are ways that can be undertaken when it comes to paying the income taxes.

When it comes to the penalties levied on late filing of tax return and late payment of taxes, the latter is known to be lesser than the former, and that is the reason why such an emphasis is laid on filing the taxes first before it is too late. When you fail to file your tax returns, you are to pay 5% of the balance due per month that often goes up to 25%. On the other hand, the failure to pay the taxes on time has a penalty of 0.5% of the balance per month and goes up to 25% depending on the income.

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Barclays is a British bank based in London, United Kingdom, founded in 1896 but whose origins date back to 1690. The group is listed on the FTSE 100 index of the London Stock Exchange and is part of the “big five”, the 5 largest British banks.

Barclays operates in more than 60 countries in Europe, particularly in the United Kingdom, Asia, America and Africa. The group employs 111,300 people worldwide, including 32,000 in South Africa through its new Absa subsidiary acquired in 2005.

About Barclays

Founded  : 1896
Headquarters : London, United Kingdom
Total assets :£1.133 trillion (2017)
Website : www.barclays.co.uk
Find ATM, branch, locations and hours
Customer Service : 1(888)-710-8756.

Barclays – Online login

On Barclays homepage, at the upper right click the “Online Banking” button.

For the step 1, you will have to enter information forthen enter your Surname/Last Name and your membership number or card number or account number, then click on “next step”

Now, you just have to confirm your ID on the step 2.

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HSBC is a british bank, the 7th lagest in the world. It was founded in 1865 in Hong-Kong, HSBC means HongKong Shanghai Banking Corporation.

HSBC has around 3,900 offices in 67 countries and territories across Africa, Asia, Oceania, Europe, North America, and South America, and around 38 million customers

About HSBC

Founded  : 1865
Headquarters : London, United Kingdom
Total assets :US$2.521 trillion (2017)
Website : www.hsbc.com
Find ATM, branch, locations and hours
Customer Service Phone :  Personal Banking: 800.975.4722 / HSBC Premier Banking: 888.662.4722 / HSBC Advance: 866.584.4722 / Business Banking: 833.722.4722

Address : HSBC Bank USA, N.A.
P.O. Box 2013
Buffalo, NY 14240

HSBC – Online login

On  Woodforest National Bank homepage, at the upper right click on “Log On”, on the next page enter your Username and click on Continue, then enter your password.

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Affinity Plus Federal Credit Union – started in 1930 under the name of State Capitol Credit Union (SCCU), a credit union created to serve members working in St. Paul, Minnesota. The result of its growth from acquisitions and inclusions to its charter led in 1999 to change the name to Affinity Plus Federal Credit Union to better reflect its broader service area. It counts now 27 branch offices in Minnesota and about $1.7 billion in assets.

Affinity Plus Federal Credit Union

Founded  : 1930
Headquarters : St. Paul, Minesota, USA
Total assets :
Website : www.affinityplus.org/
Find ATM, branch, locations and hours
Customer Service Phone : Toll Free: (800) 322-7228
Address : Affinity Plus Federal Credit Union / 175 West Lafayette Frontage Road / St. Paul, MN 55107
E-mail :

Affinity Plus Federal Credit Union – Online login

On Affinity Plus Federal Credit Union homepage, at the upper right click on the “login” button. Into the “Secure Login” area,  s enter your user ID  and Password then click on the “Log In” button.

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This is a trait that the majority of people living in the urban areas have. They are known to be spendthrifts and spend on anything that they set their eyes on. For the present generation, having a budget or probably making plans or everything isn’t easy as they are impatient and do not want to be controlled by anything especially when they earn a lot of money.

While the need to save for the days to come doesn’t strike them, there is this huge loss that they face when they grow old or probably lose their job when they are middle-aged. While multiple things can be followed by people to cut down on costs and unnecessary expenditure, here are a few ways put down for you.

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Given the fast-paced life that we lead as well as ever-changing economic conditions, there are probably just a few out there who are not in debt. Everyone in some way or the other have a debt to pay for, and it could be in any possible form. It could be loans, or probably credit cards and such people are likely to be available in all income levels and cannot be distinguished with their status.

It is just a few good habits that some people own that they are given the name of being debt-free. Not everyone has these good habits from the time of their birth but has garnered all of it in their lifetime. Some have seen their parents be responsible for their finances while the rest have come to this position after years of struggle and focus expenditure. While it has taken a lot of courage to be debt-free at all times, here are the habits of such lucky few that needs to be followed by one and all.

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1. Monthly Payment

The first thing that you should never do when you try and buy a car is to think regarding monthly payment. There are not many people who can walk into a car dealership and write a check and buy a car. People who sell the cars know that as well. They also tend to rely a lot on this particular as far as their sales pitches are concerned. This is perhaps one major reason why in most such cases the argument is based on how much you would be able to pay in a month. At the time of negotiation, the dealer would do anything it can to make the car fit into your monthly budget.

It could adjust the rate of interest on repayment, give you a longer period to pay the loan back, or even restructure the payment in such a way that it fits your budget. To start with, it might not look like a big deal. However, even a year extra on the car loan or a few additional percentage points on the rate of interest on repayment could add plenty of dollars – to the tune of a few thousand, in fact – to the total money you pay for the car.

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Are you looking to invest your money in the stock market or any other securities market where you hope to get returns that would help you beat inflation? If the answer is yes, then there are a few things that you need to know. The first such thing is that in investment there is no single approach that would be the right fit universally. Something that works for you may not work for another person and vice versa. There are a few questions that you have to ask yourself in this context before you take any decision in this regard. This will help you find out the right investment approach that would be the best fit for you.

You can also be sure that it is this approach that would help you reach your goals as an investor as well.

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There is an old saying that asks you never to peg the needle on your spending meter. There are a few things that you need to ask yourself when you try to buy something that is bigger, flashier, or newer. Why do you want it? Would it make you happier? Would it give you the status that you are looking for? Would you derive a sense of self-worth from it, the like of which you did not have before? You may not know this, but in the long run, you could be happier that you kept your money in the bank and never indulged in any expense that was unnecessary.

You should only spend if you have a genuine need to do so. It is best to be conservative when it comes to spending habits. You should do this even if your salary increases or you inherit wealth or property from somewhere else.

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1. Sources of income

The first thing that you need to do in order to become a millionaire at a young age is to develop several sources of income at the same time. You should always look for any and every opportunity to add to your income. Making money is always a hard target to achieve – talking about it is a lot easier. However, if you can find some additional ways in which to grow your money it would only be helpful for you in the end. It would help your net worth grow that much quicker. An author named Thomas Corley recently studied some self-made millionaires for 5 years.

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