Author: Freddie Lee

Some online shopping sites provide special promotional programs for existing customers. If you are already a member of the site, you can get it directly on online shopping sites or special sites that provide promo codes for you to get discounts or attractive offers from your shopping place.

You can find the promo code for you to enter later in the box that is available when you checkout. You can get the promo code on some of the sites below.

Wattpad

On this site you can also get a special promo code for existing customers from Wish. You should also register on this site if you want to get the latest promo code information updates from other online shopping sites. If you have planned every weekend to shop online, this site could be one on your list because you will get coupon code from Wish and other big online shopping sites such as Amazon, Ebay, etc.

Offers.com

This site provides promo codes from Wish for you existing customers. You can get promo code updates every day but just make sure you don’t run out because the promo code is limited. If you already have a special schedule for shopping, make sure you get the code before you are overtaken by someone else

CouponFollow

If you are a promo code hunter from Wish, this site can also be an alternative for you to look for it. This site specifically provides various coupon codes from the biggest shopping site from China. Make sure the promo code from this site is still active because you will hunt with other promo code hunters.

CouponVario

There are many promo codes that you can get on this site that offers a better shopping experience. Wish is one of the largest shopping sites with coupon codes and other attractive promos that have been available for a long time at this 8-year-old site. If you are looking for the latest promo code for Wish, make sure you have checked it on a site that also offers promo codes from other online shopping sites that are updated every day.

SlickDeals

Visit this site and add to your list to get promo coded from Wish. This site has thousand promo code that you can use to save more when you shop at Wish site. Find updated promo code and just make sure you don’t lose your chance to get the new promo code to get discounted price that will save your hole in your wallet.

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For years I have been the “CFO” of my household. Over twenty plus years of marriage, I have paid the bills, done all of the investing, monitored the family budget and net worth, negotiated mortgages, and even have power of attorney for my husband, so that I can execute trades on behalf of him. We both have charities that are near and dear to our hearts, but we normally write a check for all of our donations from our joint account. Often, the thank you card we receive from the charity is addressed only to my husband. Ouch!

Over the past year I have had two charities which responded to our charitable donations with thank you cards made out only to my husband. Meanwhile, my name is listed first on the top of the check and I have a different surname than his. In addition, we continued to get mail from one of the organizations and, you guessed it; my name wasn’t included on that mailing either! Meanwhile, my husband does not even have his own checking account nor was he the one who originally decided to give to the charity. I had been the one who starting contributing and asking for information.

When I complained to the charity, it took them over 6 months for them to include me in their subsequent mailings. Still, even though I am the one who signed up for ongoing electronic communication, they only address my husband in the salutation of the correspondence sent to my email address.

As a female CERTIFIED FINANCIAL PLANNER professional, I respect that not all women want to take charge of their finances to the extent I do, but I believe that it is extremely important for women to be aware of their financial situation. That is why I insist that each spouse (or partner) is involved in the financial planning process and that they both provide feedback on my questionnaires as well as participate in ongoing discussions. If anything, women have a greater need to feel secure about their finances as the majority of females become solely responsible for their finances due to death, divorce, or choosing to stay single. The financial services industry often is derided for their treatment of women, both toward employees as well as clients. I can totally understand how women can feel disenfranchised by these institutions and society at times. We need to think about the subtle and not so subtle messages we send out to them that may be turning them off.

We are no longer living in the 50s. More women than men are graduating from college and obtaining graduate degrees. We are choosing to work even after we have children, and we often make most of the buying decisions for our households. With the growth of internet communication, we need to ensure that our databases are capturing the correct client data and responding to both spouses. It is essential that women not only feel they are being acknowledged, but that their input is being solicited in a proactive way.

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Americans strive to do “better than the Jones’” by earning enough money (and accumulating debt) to buy fancy McMansions, nice cars, and family vacations. But the never-ending pursuit of the trappings of wealth can get in the way of the truly important things in life such as relationships, job satisfaction, and extracurricular pursuits. Debt accumulation is often the end result of aspiring to acquire “stuff and things” so we can impress others and make ourselves feel like we have succeeded. Acquiring material possessions rarely leads to happiness. In addition to increased debt, it impairs our ability to provide adequate savings for retirement. In fact, research shows that the average American has very little saved for retirement.

According to research from the 2014 Retirement Confidence Survey (RCS) conducted by the Employee Benefit Research Institute, 58 percent of workers and 44 percent of retirees report having a problem with their level of debt, and a sizable percentage of workers have virtually no money in savings and investments. Among the workers that responded to the RCS, 60 percent report that the total value of their household’s savings and investments, excluding the value of their primary home and any defined benefit plans, is less than $25,000. Only roughly 22% had savings over $100,000.

Mr. Anthony’s article offers some advice to live debt free and counterbalance the materialistic slant of today’s world.

First, he mentions a tip his father taught him– that he should always try to live on only half of what he earns each year.

Most Americans will need to save far more than they anticipated for retirement. Whereas a 10% savings rate was appropriate in the past when workers had robust pensions and could count on receiving Social Security, a retirement savings rate of at least 15% is now more appropriate. If you include additional annual saving for an auto reserve, future college expenses for your kids, and six months of cash for an emergency reserve, a number closer to at least 25% might be more practical. His father’s point was that you should try to live way below your means so that there would be a cushion of safety as well as turbo charged savings for future goals like retirement. If we live a frugal lifestyle, we won’t get too addicted to a cushy lifestyle.

Second, it is essential that we relax about what our “position” is in life and not fall prey to the belief that “we are what we own.”

The key concept here is that true happiness is “wanting what you have.” As we get older and start to reflect on our lives, we realize that health, relationships, and experiences are far more valuable than all of the physical things that were once so imperative for us to acquire. In fact, we have learned by experience, that just because we bought that truck or went on our dream vacation, it did not fundamentally change our lives. Learning to love exactly where you are in your life at any one point in time is a concept that will result in great joy, peace, and satisfaction. Mr. Anthony writes, “life does not consist of the abundance of things, but of the abundance of enjoying where we are and who we are with.”

Finally, Mr. Anthony suggests that we should not place an unrealistic burden on ourselves regarding where we “should be” at certain ages or stages of our lives.

You should live the life that YOU want, not the life you think your parents, friends, or colleagues think you should live. You have the power to write the script of your life.

Our life goals, and especially our retirement goals are very important, as they help define our lifestyle and determine how much money we need to achieve our heartfelt desires. If we can live by the principles that Mitch Anthony outlines, we can have control over our money as opposed to our money and debt having control over us.

If you want to read more about goal setting for retirement, I suggest that you read Mitch Anthony’s book The New Retirementality. It will inspire you to be more intentional about planning for that next phase of your life. The book also provides valuable exercises to help you determine how you will spend your time and money to live a purposeful retirement. The Millionaire Next Door is also a great read to inspire you to downscale your life. The book, written by Tom Stanley and William Danko, presents research on the habits and lifestyle of wealthy Americans and how they accumulated millions by not flaunting their wealth, but instead by living a practical life.

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A recent study conducted by Timothy Gubler and Lamar Pierce from the Olin Business School, Washington University in St. Louis shows that poor physical health is driven by the same psychological factors that determine whether or not you contribute to your retirement plan at work.  See this related article in the NY Times:

In the study, employees who contributed regularly to their 401(k) plan were not only more likely to take steps to improve their health but also had a 27 percent improvement in their blood scores. “Non-contributors continued to suffer health declines,” the paper said.

This study underscores the importance of having a mindset that is focused on planning for the future.

The same mentality that drives you to increase your 401K contributions also inspires you to enhance health measures such as weight and blood pressure. The participants who improved their health scores were incentivized to make changes to their physical health after receiving information and education from the study coordinators. Once informed, they took the appropriate action and their health improved.

Whereas some people are motivated to save and are more future-oriented, others apparently only act when they are forced to make a change. This is something I see frequently in my practice. The clients who are able to pull together their financial statements easily and quickly and who are more organized and committed, fare far better than those who are not as concerned about the future and do not have their financial life organized and top of mind. The key is to be intentional about making the changes you need to improve your future. Helping the client creating a clear vision of the future often helps motivate someone who up to that point had been procrastinating savings and unwilling to address key areas of his or her financial life that needed to be addressed.

A fee only financial planner can act as a personal fiscal fitness coach to provide motivation as well as a well defined action plan to ensure that steps are taken to improve the clients financial independence now and in the future.

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Many people are loathe to increase their cash reserves when the rate of return on cash accounts is miniscule. Yet cash may be the exact asset to bolster when markets are frothy and the economy is sputtering. Here are some recent articles that underscore the importance of having a stash of some cash.

Having at least 6 months of living expenses is very important to protect you and your family from an unexpected event like a job loss, disability, medical emergency or even divorce. Although money market and checking accounts are yielding close to nothing, you can research on line savings accounts. Current yields are roughly 0.9% (9-14). You can compare rates, restrictions, bank ratings and other factors at bankrate.com.

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The key to living well is to take full advantage of precisely what you possess. This is actually very important in these types of difficult economic times exactly where you may have to make due along with a small kitchen rather than remodeling or even purchasing a more substantial home.

The good thing is that you are able to improve your readily available space for storing in actually the most basic of kitchens.

Here are some suggestions that will help you.

Get rid of the mess! If youre like many people, your kitchen will be cluttered together with appliances along with gadgets which youve by no means even used. Or, possibly you bought an item on sale at the shop and make use of it hardly ever. Within instances like these, you might think about giving away your items or even donating them to a thrift store. If there tend to be items which you use from time to time, like cake pans for particular holidays, you might desire to store them somewhere else. For example, you are able to store cake pans, holiday dishes, muffin tins as well as other items in a plastic tote put into the attic or garage.

Relocate items whenever possible. Many times, the kitchen will become a catch all room for items which are generally utilized often. You may want to keep your own phone books, medicine, table linens as well as candles inside a closet as an alternative to allowing these kinds of items to take up beneficial kitchen space.

Think Outside The Box. As opposed to storing items within cabinets, you may wish to increase the rarely used spaces inside your kitchen area. For example, you can purchase organizers that may end up being installed on the interior of your own cabinet doors. This is the perfect destination to store aluminum foil, baggies, as well as other items. Likewise, you might additionally want to install a rack exactly where you are able to hang your pots and pans. This is actually a fantastic method to make use of the otherwise unused space inside your kitchen.

Look up! You are able to put attractive baskets on the top of your kitchen cabinets. After that, fill the baskets along with rarely used items or cookbooks. This should release valuable space too. Nevertheless, make sure to store merely lightweight items within these types of baskets. Storing hefty objects could be a security issue.

Make use of the space under your sink. With the correct organizational items, this particular untouched space can hold things like laundry detergent, kitchen soap, and other cleaning items. In the event that you currently have young children and also store cleaning items or even chemicals under the sink, be sure you install a cabinet lock or even some other safety gadget on the cabinet.

Make time to de-clutter often. Keeping the kitchen neat and free from clutter can seem overwhelming, especially if you possess a large amount of clutter! The answer to keeping your own kitchen free of clutter is usually to take some time each week to de-clutter or eliminate things which you no longer use. This may make sure that your kitchen remains arranged.

Take into account that it will require some time to re-organize and also de-clutter your kitchen space. Several individuals realize that it is useful to spend little increments of time focusing on the work over the course of a couple weeks than to take this particular project all at once. In such a case, you can easily get overwhelmed and stop trying before the project is carried out.

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Fall is an incredible time to winterize your house and prepare for winter. Nevertheless, you could put off gardening jobs because of just about all the other work that needs to be done all around your home.

Believe it or not, it does not take much time to winterize your own garden. In addition, large gardening work can end up being divided right into a number of more palatable pieces. In this way, youll be able to get a great deal finished.

September is actually a great time to feed your lawn. Any time you fertilize or feed your own lawn in the fall, youll give it time to mend the damage which had been done from the warm summer. Needless to say, youll make certain that your own lawn is healthy just before the cool winter months arrives. This will mean that your own yard may end up being much more attractive as well as healthier when spring rolls around the coming year. For information on the most effective product for your unique situation, you are able to stop by your local gardening center or perhaps hardware store.

Re-seeding your own lawn may in addition help to keep your lawn looking good year after year. To do this, merely choose a high quality gr[censored] seed and make use of a seed spreader. For top results, you could also fertilize your lawn right after seeding. Right after you have seeded your own lawn to fill out the damaged spots, make sure to keep your lawn well watered. This may be sure that the gr[censored] seed will actually germinate.

Tidy up the garden patch. Whether or not you have a vegetable or flower garden, you are going to have to do some tidying up just before the winter months arrive. In the vegetable garden, you can pull-up plants that have completed bearing produce. Youll be able to also pull just about any weeds that have gotten an opportunity to germinate. Yard waste can end up being thrown right into the compost pile to be able to decompose within the winter and spring or even it could end up being placed at the curb to be reused by your city. The early on fall is also a fantastic time to prune shrubs as well as perennials. For additional info on pruning, youll be able to check online or even talk to an experienced gardener at your own local gardening center.

Mulch! Incorporating a whole new layer of mulch will help new or even fragile plants effectively survive the winter months. This is especially crucial if perhaps you live in an area which will get a great deal of snow and also cold weather. In some instances, plants might need additional care to survive the winter months locally. Sometimes, you may be in a position to wrap the plant in burlap or you may possibly have to dig up certain plants and also move them inside for the winter months.

Plant spring bulbs. Many spring bulbs must be planted within the fall. This includes flowers such as daffodils, crocus plants, and tulips. Planting today may ensure that your own yard is colorful in the springtime!

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It’s clearer than ever that finances have pla[censored] , and still play, one of the most important roles in the evolution of society and individual behaviour. Nevertheless, when it comes to actually managing finances, each and every one of us has his/her own individual approach. Therefore, is some are savers, other are spenders, and others are somewhere in between. This continuum can be perceived as a paradigm that is used to frame differences in the way people approach money. However, as different as money is perceived by every person, there comes a time when money accomplishes the same function: tax. Of course, this short yet torturing word hasn’t come alone in our lives but accompanied by many friends: income taxes, property taxes, business taxes, tax returns, capital gains taxes, sales taxes, and the list may go on indefinitely. The bad news is that everyone is subject to taxation, be it an organization or company or an individual.

What does subject to income tax exactly mean? It only means that people and companies must report their income and calculate their tax on a regular basis. Certainly some non-profit organizations can be exempted from tax. In this case, they have to file a return; if they fail to meet certain criteria, their tax-exempt status could be revoked. Moreover, a general definition would state that tax returns are required for self-employment including business partnerships, controlling company director, ministers of any religion, persons who possess significant incomes from untaxed savings and investments or from big properties and so on. As expected the amount of taxes you owe is directly connected to your income which means that people who earn more income have higher taxes than those who earn less. Tax rates must be paid throughout the year or to be more specific, on a pay-as-you-go system. Nevertheless, the tax system doesn’t hosts only negative aspects, it also offers benefits and facilities as well. Thus, to turn this situation in your favour, it is essential to take control of your tax situation. Needless to say, calculating your tax return isn’t as easy as it may seem on a first contact, particularly if you already have an overwhelming schedule on your hands. Thus, the best allay you can have in this situation is a specialized financing company and implicitly, an experienced Steuerberater.

The services of this type of companies can be customised to meet your particular case and ultimately, to accomplish your requirements and needs seamlessly. Moreover, these experts can also represent you before Tax Authorities during assessment procedures. To complete this image, most of these companies have extended their expertise area to other major financial fields such as insurances. Thus, in order to support their customers and their future financial situation, these companies offer direct access to a proficient versicherungsmakler who uses free-of-charge analysis and independent insurance comparison tables to indicate ideal insurance offers. The best part is that technology hasn’t limited its intervention only at financial software and techniques but it has continued its series of advancements by offering full access to information, online financial services and sources.

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Modern times have taught people of a different manner to approach things. When looking to purchase a valuable item like a house or a car, people choose to borrow money. Having the entire sum is close to impossible in some cases and purchasing a home is often a necessary step in life. Borrowing money from either a bank or a financial institution which is dedicated to this field has its costs. The problem with loans is that the client never gets the entire story from the very beginning. People are lured by incredible amounts of money which seem to be given easily to almost everyone. There are no impossible conditions to accomplish which might come between the borrower and the needed sum of money. When the contract is done and the sun of money received has been spent, the truth arises and it can be devastating in some cases. Working with a professional annual percentage rate calculator brings forward several benefits.

The first real advantage is the fact that you get the whole truth from the very beginning. With a mortgage apr calculator, you know exactly what to expect when you are borrowing money. It is a known fact that when you decide to file for a loan, the costs of the entire affair will end up being larger than the sum of money borrowed. The good thing about using an annual mortgage rate calculator is that you have the possibility to better distinguish among your choices. The APR could very well become a criterion based on which you select the loaner. Secondly, the next benefit on the list is that you can tell whether or not your loan needs refinancing. The APR has the tendency to fluctuate and these modifications can affect you over time. Only a mortgage apr calculator can tell you whether or not you should file for a loan refinancing and where is the best place to obtain it.

Last, but not least on the list of benefits, the annual percentage rate calculator can tell you exactly what type of loan you can actually afford. This is very important, because even if several loaners offer you the same sum of money, one might present less extra costs. Luckily, a tool as efficient as the mortgage apr calculator can offer you the guidance you need when selecting where to borrow money from. It is true that one cannot take a decision based solely on the results provided by the annual percentage rate calculator. There are multiple other factors which come to influence the decision of the client as far as the borrower is concerned. However, using the annual percentage rate calculator can provide the client with relevant pieces of information. As you can see, the use of a mortgage apr calculator brings forward a complete and truthful overview of the borrower, the chance to better compare borrowers among them and offers the client details on the loan he can afford. In a world which is characterized through loans and the concept of borrowing, this instrument is indeed on the client’s side.

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Getting loan assistance is possible for any job-holder because there is a loan scheme by the help of which one can obtain money whether he has a fair credit history or tagged with bad credit score. All this is possible only by the existence of no credit check payday loans. These loans are like simple payday loans and give money even to those who are suffering from blemished credit status such as late payment, defaults, arrears, CCJs (Country Court Judgments), IVA (Individual Voluntary Arrangements), amount outstanding and so forth, for the reason that there is no credit checking with these loans. This loan method gives a golden chance to bad creditors to improve their credit report. They can do so by repaying the loan on time or the loan amount can be used for paying off old debts. There is no restraint on the usage of loan amount. Hence, it can be used for any vital needs for instance home improvements, paying off previous debts, grocery bills, utility bills, room rent, credit card dues, traveling expenses, car repairing, wedding expenses and the list goes on. Thus, it is easy and hassle free for every job-holder to gain bucks for urgent needs without waiting for next payday and without being failure due to bad credit status.

In order to get the loan you have no need to go out of your comfort zone because no credit check payday loans are available online. The method of procuring money under this loan option is very simple. You just need to complete an online application form and give all the inquired details through filing it and submit it. Once the loan application is approved by lending company, you will get a conformation mail about sanctioning the loan amount and right after that your bank account will be credited with the required loan amount.

For the repayment of the loan you have no need to take any kind of tension as the loan amount will be withdrawn from your bank account electronically. So, you will not have to be worried about anything. One thing that you need to notice about no credit check payday loans is that these loans are provided at slightly high rate of interest due to its unsecured and short term nature. So, you should make a web search in order to find a lender offering loan at lower rate of interest.

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