10 Easy tips to spend less money – Stop spending money now !

Stop spending money

This is a trait that the majority of people living in the urban areas have. They are known to be spendthrifts and can’t stop spending money 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 to earn how to stop spending money.

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Free Guide For 2021 Best Business Credit Card

Business Credit Card

Do you know there are millions of people who are using a Business Credit Card  for several business purposes currently?

Getting such types of cards is almost equal to the opening of a business in this field. It is so much helpful for a businessman because with the help of this amazing plastic card one can earn a lot of rewards in return. Furthermore, it can also assist you in the process of establishing a good credit history for your outstanding business.

If you don’t have this card with you, then after reading this article you will definitely plan to have one because there are so many benefits added to it.

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Business Credit Cards in 2021 – Whether The Hype Justified?

Nowadays, with the introduction in 2021 of various institutions and banks the individual finds it easier to operate the businesses in the market. However, they help the small, large as well as the startups to flourish their activities in the business world. With the help of banks and financial institutions, businesses can continually expand by generating high revenue.

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Unsecured Business Credit Cards in 2021 For Bad Credit – Restore Your Business Credit Score Now!

In 2021, there are various reasons for which one is using business credit cards in the field of business today. The individual requirements of using this amazing card may differ but the purpose business credit card serves to all its users are the same. It is a very useful card which can solve several problems related to the working of your business. On the other hand, if the card is not used wisely by the user, then it may lead you in great trouble in return as well.

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3 Ways Business Credit Card in 2021 Will Help Grow Your Business

Business credit cards have always eased the way businesses are done. In 2021, the business cards are helpful as they give the professionals an edge over the others who do not use it. Unlike personal credit cards that are used for fulfilling the personal needs. The business cards are generally used by the companies to fulfill their business requirements.

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Why you need a Business Credit Cards in 2021 For Small Businesses

Business Credit Card

Do you know which card is highly in demand in 2021 in the field of business? It’s a card called business credit cards which many of the small as well as big originations are using these days. Moreover, it is a very useful card which is quite needed in order to run the financial working of your business more easily. In this article, we are further going talk about why one should consider Business Credit Cards in 2021 for Small-sized Businesses.

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Small Business Credit Cards in 2021 – The Advantages Of Paying Business Expenses With Credit Cards

Are you having a small business? Do you worry about the expenses? Then you don’t have to worry. In 2021, there are many technologies that the owners are using. However, they are using various payment methods for the expenses that they are having. The owners are making various purchases for the businesses that they are having. With the evolvement of business credit cards the owner makes use of the technology and pays for the expenses. Irrespective of the size of business the owner is using the business card to separate all the personal and the business expenses.

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7 traits of debt-free people that can give you a stress-free life

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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Top 5 Biggest Mistakes to Avoid When Buying a Car

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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8 Investing Styles: Which One Is Right for You?

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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5 Ways To Budget And Invest Like A Wealthy Retiree

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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Find out Where the Social Security and Medicare Taxes Go !

Being employed in America, you must be aware of the Social Security and Medicare taxes that are deducted from your paycheck every month. This is something that you would also notice when you receive your salary slips and look at the breakups that the company help you with. These are known to be termed as Federal Insurance Contribution Act Tax (FICA) where a certain sum of money is collected from the employee as well as the employer in equal parts.

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6 tips to save you from trouble when you do not pay taxes

Tax filing is a duty that every citizen should abide by, and failure to do so is known to attract heavy fines and penalties. While filing your tax returns is something that is mandatory, there are times when you are to pay taxes, and you do not have sufficient funds for it. Would you not file for the taxes then?

Even though you do not have the money to pay for your taxes, you should never refrain from filing the returns. The worst case would be paying a certain amount of money as fine, but that would keep you safe from trouble and label you as a good citizen. Non-payment of taxes, as well as the inability to file tax returns, can often have a bad impression on the credit score while making it difficult for you to acquire loans and insurance policies in the days to come. While there are things that can save you from trouble, here are a few put down for you to know of.

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Wells Fargo


Wells Fargo is an US  bank and multinational financial services company  founded in 1852 and headquartered in San Francisco, California, US. The company provides financials services like banking, securities brokerage, investment, mortgage, trust, and payment services.

About Wells Fargo

Founded  : 1852
Headquarters : Birmingham, Alabama, US
Number of locations : 8300
ATM : 15900
Total assets :1.952 trillion (2017)
Website : www.wellsfargo.com
Find ATM, branch, locations and hours
Customer Service Phone :  General banking – 1-800-869-3557 /  Wells Fargo Online – 1-800-956-4442

Wells Fargo – Online login in 2021

On Wells Fargo homepage, at the upper left into the “View Your Accounts” area,  select “Account Summary”, enter your Online ID  and Password then click on the “Sign on” button.

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Phishiology: Forms and Samples of Phishing Scam Messages

Phishing is the foundation of scam. The success of a phishing message leads to scam.
It becomes Phishing Scam when the two tricks are dubiously interwoven to get your details and your money.

Majority of cyber attacks begin with phishing emails which entice you to click, and majority of such emails use malicious file attachment.


So, you want to ask: what is Phishiology?

The collection of examples of such phishing e-mails, text messages, false credit alerts, and other messaging tricks sent to you by cybercriminals for fraudulent activities is what I refer to as phishiology.

Relationship between phishing and scam
Phishing is a ploy scammer uses to get your account details in order to use it for his own advantage.


Tools of Phishing message

These are the critical information a scammer needs to successfully launch attack on you:

1. Your name
2. Username
3. Address
4. Phone number
5. Password or PIN
6. Bank account number
7. Debit or credit card number
8. Card Validation Code (CVC) of your credit card
9. Social security number (SSN)

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Best Stocks for the Future

If you are interested in investing in stocks, it is essential to have a long term plan. Planning is something that is done whether you are making preparations for a new career or to steer your financial future. To facilitate this long term plan, many financial experts think that you have to place more emphasis on the quality of the stock.

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Optimistic investing advice

Have you ever thought about the day all of your intelligent investment decisions would pay off, leaving you with millions of dollars to play with? I have as well, but what is stopping you? If you’re anything like me, you have shied away from it.

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You Can (And Should) Save $1 Million for Retirement

Financial experts consider having a cool million stashed away in your retirement fund to be the best indicator of being able to retire in complete comfort. A million might seem unattainable, but it’s perfectly feasible if you follow the basic recommended guidelines on how to save $1 million by the time you retire.


Start Saving ASAP

It’s normal to be tempted to put off any serious retirement saving. But if you want to hit that $1 million benchmark in time for retirement, you need to start saving when you’re young. Younger than you think.

Say that you start saving at age 25. You’d need to be saving $405 each month. With an average return of 7% you’ll have that $1 million by the time you’re 65 and thinking about retiring.

Chances are, you’ve already seen your 25th birthday come and go. In which case, you’d need to up the amount that you’re saving each month. It’s absolutely infuriating, but the longer you wait to start saving, the harder you have to work to catch up.

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Paying Off Your Student Loans

One of the biggest challenges that younger adults face today is the increasing amount of debt that they have even before they enter the workforce. As the cost of higher education continues to increase faster than the rate of inflation, the amount of student loans that the average person has to take out continues to increase.

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Save On Your Education So You Can Borrow Less

Educational expenses have always been high, but they are becoming much higher because of for-profit institutions. A student can easily obtain a student loan even if that person does not have a job or a clear way of paying it back.

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How to Get Hitched Without Breaking the Bank

Getting married is a joyous occasion in most peoples’ lives, but it can also be one of the heftiest investments you make considering it all goes for just one day of events. Nowadays, it is not uncommon for a normal couple with the average traditional wedding to spend thousands upon thousands of dollars.

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How Much Money Should I Save for Emergencies?

An emergency fund provides a critical financial cushion in case of an unexpected event that requires immediate access to money. These funds are typically held in savings accounts. It can take anywhere from one to five years to save the full amount needed to handle any emergency.

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Let’s Be Real: What Kind of Car Can You Actually Afford?

Every person on the planet probably wishes that he or she could walk into a dealership and leave with a Lamborghini or a new Corvette at the very least. However, those folks have to face the reality that they may never be able to obtain such vehicles.

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How to Save for a Down Payment

Saving for a down payment is perhaps the biggest hurdle that a potential first-time homebuyer faces. The general recommendation to save 20 percent of the purchase price of the home you want to buy is a daunting task.

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Understand Compound Interest and You’ll Understand Why You Need to Start Saving Now

Understanding compound interest is more than just learning about saving for retirement. It’s actually understanding how to get rich slowly, almost effortlessly. When a person starts saving early, even a modest return on the money they put aside in an interest bearing account will create wealth over time.

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Investing in Your Future

Retirement planning is one of the critical life skills that we, as a country, tend to short-change workers when they’re in their most productive years.

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Retirement – Roth IRA: A Tool for Your Financial Future

If you’re in your 20s and embarking on your career, there’s no better time to start saving for retirement. While the days when you are living a life of leisure may seem far off, saving now can ensure that you are able to retire when you’re ready to do so.

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Retirement – Why You Should Never Cash Out a 401(k) Early

When the economy is in rough shape and cash gets tight in many households, some workers choose to ease the burden by dipping into their nest egg early. Others may want the money to put into an IRA or another type of account.

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Why You Need a Savings Account

Maintaining a bank account dedicated to just savings is a part of good financial planning. These accounts can be used to hold money that is not intended for daily expenses and normal living costs. They also have a few other benefits. There are several reasons why everyone needs a savings account today.

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Creating a Budget to Maximize Your Savings

Whether you’re young or just young at heart, budgeting can help you to maximize your savings for a comfortable future financial life. It’s not uncommon for many people to live from one paycheck to the next nowadays.

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TCF Bank


TCF Bank is an US Financial Corporation founded in 1923 and headquartered in Wayzata, Minnesota, US. The bank also provides auto finance, commercial leasing, and equipment finance through intermediaries in the US and Canada.

About TCF Bank

Founded  : 1882
Headquarters : Chicago, Illinois., United States
Number of locations : 425
Total assets $18.4 billions(2017)
Website : www.tcfbank.com
Find ATM, branch, locations and hours
Customer Service Phone :  1-800-823-2265

TCF Bank – Online login in 2021

On TCF Bank homepage,into the Log In area, select “Personal Banking” then  e your Login ID then click the “Next” button..

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BMO Harris Bank


BMO Harris Bank is an US multinational  financial services company founded in 1882 and headquartered in Chicago, Illinois, US.. BMO is a member of the Federal Reserve System and has branches in of Illinois, Florida, Indiana, Minnesota, Kansas, Missouri, Arizona, and Wisconsin.

About BMO Harris Bank

Founded  : 1882
Headquarters : Chicago, Illinois., United States
Number of locations : 570
ATM : 1300
Total assets $111.889 billions(2017)
Website : www.bmoharris.com
Find ATM, branch, locations and hours
Customer Service Phone :  1(888)340-2265

BMO Harris Bank – Online login in 2021

On BMO Harris Bank homepage, below  Secure Login select “Online Banking” then  e your User IDa nd Password in then click the “Log In” button..

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Woodforest National Bank


Woodforest National Bank is a privately held bank headquartered in The Woodlands, Texas.  Woodforest National Bank is Walmart’s largest retail partner. And also partners with Sam’s Club and Kroger in a few states.

About Woodforest National Bank

Founded  : 1980
Headquarters : The Woodlands, Texas, USA
Total assets :3.7 billion (2012)
Website : www.woodforest.com
Find ATM, branch, locations and hours
Customer Service Phone :  Toll-Free: 1-877-968-7962 / Houston: 832-375-2000
Address : P.O. Box 7889 / The Woodlands, TX / 77387-7889
E-mail : General Inquiries: info@woodforest.com / Support Inquiries: support@woodforest.com / Bill Payment Inquiries: billpay@woodforest.com

Woodforest National Bank – Online login in 2021

On  Woodforest National Bank homepage, at the upper left into the “View Your Accounts” area,  select “Account Summary”, enter your Online ID  and Password then click on the “Sign on” button.

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Merrick Bank


Merrick Bank is a member of the CardWorks family—a financial servicing company that helps bankcard issuers across the United States reduce their risk, increase their profitability, and support their customers. Merrick Bank specialize in credit programs that assist people looking to build or rebuild their credit.

About Merrick Bank

Founded  : 1997
Website : merrickbank.com/
Find ATM, branch, locations and hours
Customer Service Phone :  1-888-545-5777
USPS Mail:
Merrick Bank
Recreation Lending
Customer Service
P.O. Box 1500
Draper, UT 84020-1500

Merrick Bank – Online login in 2021

On Merrick Bank homepage, below Credit card log in you will have to enter  your User name and Password into the login form then click the “Log In” button


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Regions Bank


Regions Bank is an US  bank and financial services company founded in 1971 and headquartered in Birmingham, Alabama, US. The company provides financials services like banking, securities brokerage, investment, mortgage, trust, and payment services.

About Regions Bank

Founded  : 1971
Headquarters : Birmingham, Alabama, US
Number of locations : 1470
ATM : 1900
Total assets $ 125.294 billion (2017)
Website : www.regions.com
Find ATM, branch, locations and hours
Customer Service Phone :  1-800-472-2265

Regions Bank – Online login in 2021

On Regions Bank homepage, into the “Online Banking Login” area,  enter your Online ID  and Password then click on the “Log in” button.

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US Bank


US  Bank is an US bank holding company founded in 1968 and headquartered in  Minneapolis, Minnesota, US. The company provides financials services like banking, investment, mortgage, trust, and payment services.

About US Bank

Founded  : 1968
Headquarters : Minneapolis, Minnesota, US
Number of locations : 3067
ATM : 4771
Total assets $ 462.040 billion (2017)
Website : www.usbank.com
Find ATM, branch, locations and hours
Customer Service Phone :  800-US BANKS (872-2657)

US Bank – Online login in 2021

On US Bank homepage, on the right side,into the log in area, choose your account type and enter your Personal ID then click on the “Log in” button.

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TD Bank


TD (Toronto-Dominion) Bank is an Canadian multinational  financial services company founded in 1955 and headquartered in Toronto, Ontario. Its was created through the merger of the Bank of Toronto and The Dominion Bank, respectively founded in 1855 and 1869.

About TD Bank

Founded  : 1955
Headquarters : Toronto, Ontario, Canada
Number of locations : 2400
ATM : 4700
Total assets $1,2 trillion CAD(2017)
Website : www.tdbank.com
Find ATM, branch, locations and hours
Customer Service Phone :  1-888-751-9000

TD Bank – Online login in 2021

On TD Bank homepage, below Online Banking click on “Log in”

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Bank of America


Bank of America  is an American multinational financial services company founded in 2000 and headquartered in Charlotte,NC. It was initially  founded in 1904 in San Francisco under the name Bank of Italy.

About Bank of America

Founded  : 2000
Headquarters : Charlotte, North Carolina, U.S.
Number of locations : 4600
ATM : 15900
Total assets $2,281 trillion (2017)
Website :www.bankofamerica.com/
Find ATM, branch, locations and hours
Customer Service Phone :  00 1 315-724-4022

Bank of America – Online login in 2021

On Bank of America homepage, just enter  your Online ID and Passcode into the login form then clik the “Sign In” button..

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Capital City Bank


The City Bank of New York,  was founded on June 16, 1812 as the City Bank of New York, and later became First National City Bank of New York. Citibank provides credit cards, mortgages, personal loans, commercial loans, and lines of credit.

About Capital City Bank

Founded  : 1812
Number of locations : 70 banking locations in Florida, Georgia, and Alabama
Total assets $2.5 billion (2008)
Website :www.ccbg.com/
Find ATM, branch, locations and hours
Website –  www.ccbg.com
Customer Service Telephone – 1(888)-671-0400
Routing Number – 063100688

Capital City Bank – Online login in 2021

Go to the website, on the home page at the left you will find the connection area “online banking”. here you must register your username and click on “Log in”,

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American Savings Bank


American Savings Bank, founded in 1925, is Hawaii’s third-largest financial institution, with assets of $6.7 billion, a subsidiary of Hawaiian Electric Industries.

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3 alternate remedies to pay your income taxes on time

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 in 2021

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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