Fees | Cashloanace.com

Mar / 08

How To Make The Most Of Your True Classic Tees Discount Code

If you’re looking for a great way to save on your next purchase of True Classic Tees, then you’ll want to check out our exclusive True Classic Tees discount code. With this code, you can save 10% off your purchase of any True Classic Tee.

To use our True Classic Tees discount code, simply add the code to your shopping cart during checkout. The 10% discount will be applied to your purchase automatically.

Our True Classic Tees discount code is a great way to save on your next purchase of a True Classic Tee. Be sure to check back often for new codes and discounts.

So, you’ve finally found the perfect True Classic Tees Discount Code. You’ve been eyeing up that new tee for weeks, and now you have the chance to get it at a discounted price. But how can you make the most out of your True Classic Tees Discount Code and get the best possible deal? Here are a few tips:

Plan your purchase in advance. If you know you’re going to be buying a new tee soon, start watching for deals and discounts a few weeks in advance. This way, you’ll be sure to snag the best possible price.

Compare prices. Once you’ve found a True Classic Tees Discount Code, take a few minutes to compare prices at different retailers. This way, you can be sure you’re getting the best possible deal.

Read the fine print. Before you make your purchase, be sure to read the terms and conditions of your True Classic Tees Discount Code. This way, you’ll know exactly what you’re getting and won’t be caught off guard by any hidden fees or requirements.

Act fast. Discount codes and special offers are often time-sensitive, so if you see a great deal, don’t hesitate to take advantage of it. The sooner you act, the more likely you are to get the tee you want at the best possible price.

By following these simple tips, you can be sure you’re getting the best possible deal on your next True Classic Tees purchase. So what are you waiting for? Start shopping today!

Nov / 22

What Are The Consequences Of Having Liabilities?

The consequences of having liabilities can be very severe. If you have a lot of liabilities, it can ruin your credit score, which can make it difficult to get a loan, buy a car, or even rent an apartment. It can also make it difficult to get a job, because employers often look at credit scores when making hiring decisions.

Liabilities can also cause a lot of stress and anxiety. If you’re constantly worried about how you’re going to make your next payment, it can take a toll on your mental health. It can also cause arguments and financial problems in your relationships.

If you’re struggling to manage your liabilities, it’s important to seek help. There are many organizations that can help you get your finances under control. You can also talk to a financial advisor to get advice on how to better manage your money.

The consequences of having liabilities can be significant. If you have a lot of liabilities, it can put a strain on your finances and make it difficult to keep up with your payments. This can lead to late fees, penalties, and damaged credit. Additionally, if you have a lot of debt, it can be difficult to qualify for loans or lines of credit. In extreme cases, liabilities can even lead to bankruptcy.

While the consequences of having liabilities can be significant, it’s important to remember that not all debt is bad. In fact, some debt can actually be beneficial. For example, if you have a mortgage, the interest you pay on your loan may be tax-deductible. Additionally, debt can help you finance large purchases, such as a home or a car.

If you’re struggling to manage your liabilities, there are a number of things you can do to get back on track. You can start by creating a budget and sticking to it. You may also want to consider consolidating your debt or speaking with a financial advisor.

The consequences of having liabilities can be very serious. If you have a lot of liabilities, it can put a strain on your finances and it can be difficult to keep up with the payments. This can lead to missed payments, late fees, and other penalties. Additionally, if you have a lot of liabilities, it can damage your credit score. This can make it difficult to get loans, credit cards, and other financial products.

In general, it is best to avoid having too many liabilities. If you have a lot of liabilities, it is important to try to pay them off as quickly as possible. This will help you avoid financial difficulties and it will also help improve your credit score.

Nov / 18

How To Register Your Business With The California Board Of Equalization

Before you can legally operate your business in California, you must register your business with the California State Board of Equalization (BOE). The BOE is responsible for collecting taxes and fees from businesses operating in the state. To register your business, you will need to fill out a Business Tax Registration form and submit it to the BOE.

There are two types of business taxes that you may be required to pay:

-Sales and use tax

-Excise tax

You will need to determine which taxes apply to your business and register accordingly. The BOE website has a handy Tax Rate Finder tool to help you determine the tax rates for your business.

Once you have registered your business, you will need to obtain a seller’s permit. This permit allows you to collect sales tax from your customers and remit it to the BOE. You can apply for a seller’s permit online, by mail, or in person at a BOE office.

Once you have registered your business and obtained a seller’s permit, you will need to file tax returns and make tax payments to the BOE on a regular basis. The frequency of tax returns and payments will depend on the type of taxes you are required to pay.

The BOE website (boe.ca.gov) has a wealth of information and resources to help you comply with California’s business tax laws. Be sure to familiarize yourself with the requirements before you start your business.

Congratulations on starting your own business in California! In order to operate legally in the state, you must register your business with the California Board of Equalization (BOE). This process is relatively simple and can be completed online in just a few minutes.

To register your business with the BOE, you will need to provide the following information:

– Your business name and contact information

– The type of business you will be operating

– The location of your business

– The names of any partners or owners

You will also need to pay a filing fee and a registration fee. The filing fee is $10 and the registration fee is $20.

Once you have gathered all of the required information and fees, you can begin the registration process by visiting the BOE website. On the homepage, you will see a link that says “Register a Business“.Â Click on this link and you will be taken to the registration page.

Here, you will enter all of the required information and submit your payment. Once your payment has been processed, you will receive a confirmation email from the BOE.

That’s it! You are now officially registered with the California Board of Equalization.

We hope this blog post has been helpful. If you have any questions about the registration process, please feel free to contact us.

Nov / 15

The Importance Of Personal Finance Planning

It is vital to our long term financial security and well-being. However, many people do not take the time to properly plan their finances. This is often due to a lack of understanding of the subject. Personal finance planning is not difficult, but it does require some effort.

There are a few key concepts that are important to understand when creating a personal finance plan. The first is setting financial goals. What do you want to achieve with your money? Do you want to retire early? Do you want to buy a new car or house? Do you want to save for your child’s education? Once you have answered these questions, you can begin to develop a plan to achieve your goals.

The second important concept is creating a budget. A budget is simply a plan for how you will spend your money. It is important to be realistic when creating a budget. Be sure to include all of your regular expenses, such as rent, food, utilities, and transportation. You should also set aside money for unexpected expenses, such as car repairs or medical bills.

The third concept is saving money. It is important to have money saved for emergencies and for your long-term financial goals. One way to save money is to create a budget and stick to it. Another way to save money is to invest in a savings account or a retirement account.

The fourth concept is credit. Credit is money that you borrow and must pay back with interest. It is important to use credit wisely. If you do not pay your credit card bills on time, you will be charged late fees and your interest rate will increase.

The fifth concept is debt. Debt is money that you owe to someone else. It is important to pay off your debts as soon as possible. The longer you wait to pay off your debt, the more interest you will have to pay.

Personal finance planning is not difficult, but it does require some effort. By understanding the concepts of financial goals, budgeting, saving, credit, and debt, you can develop a plan to achieve your financial goals.

Nov / 15

The Best CD Rates For Saving Money

When it comes to saving money, one of the best things you can do is invest in a CD. A CD, or certificate of deposit, is a type of savings account that typically offers a higher interest rate than a traditional savings account. This means you can earn more money on your savings over time.

There are a few things to keep in mind when shopping for a CD. First, make sure to compare interest rates. Some banks offer higher rates for longer-term CDs, while others offer the same rate regardless of the term. Second, consider the minimum deposit required. Some banks require a minimum deposit of $1,000 or more to open a CD, while others have no minimum deposit.

Finally, make sure to read the fine print. Some banks charge early withdrawal fees if you take your money out before the CD matures. With so many options to choose from, finding the best CD rate can be a challenge. That’s why we’ve done the research for you.

The following is a list of the best CD rates currently available, according to Bankrate.com.

Ally Bank: 2.50% APY, $0 minimum deposit

Barclays: 2.45% APY, $0 minimum deposit

Capital One: 2.50% APY, $0 minimum deposit

Chase: 2.50% APY, $1,000 minimum deposit

CIT Bank: 2.45% APY, $1,000 minimum deposit

Discover: 2.50% APY, $2,500 minimum deposit

Goldman Sachs: 2.45% APY, $500 minimum deposit

HSBC: 2.50% APY, $1,000 minimum deposit

Marcus by Goldman Sachs: 2.50% APY, $500 minimum deposit

Northfield Bank: 2.50% APY, $500 minimum deposit

The following is a list of the best CD rates currently available, according to Bankrate.com.

Ally Bank: 2.50% APY, $0 minimum deposit

Barclays: 2.45% APY, $0 minimum deposit

Capital One: 2.50% APY, $0 minimum deposit

Chase: 2.50% APY, $1,000 minimum deposit

CIT Bank: 2.45% APY, $1,000 minimum deposit

Discover: 2.50% APY, $2,500 minimum deposit

Goldman Sachs: 2.45% APY, $500 minimum deposit

HSBC: 2.50% APY, $1,000 minimum deposit

Marcus by Goldman Sachs: 2.50% APY, $500 minimum deposit

Northfield Bank: 2.50% APY, $500 minimum deposit

Nov / 22

Accion Venture Lab’s Paul Breloff on FinX

At the end of last year CFSI hosted an in-the-field activity designed to put participants in the shoes of underserved consumers as they attempt to complete several financial transactions. This particular FinX event shared the focus area of the Financial Solutions Lab first innovation challenge which will be launching next month, household cash flow management.

One of the day’s participants, Paul Breloff, Managing Director at the Accion Venture Lab, shared his FinX reflections with his team, and ultimately, CFSI. (Ariel Schwartz, Senior Editor at Co.Exist, also wrote about this experience in her piece “What It’s Like to Live Without A Bank Account For a Day.”) In short, Paul’s comments were powerful and confirmation that FinX is a positive learning experience for participants. He highlighted just a few of the many challenge areas that are ripe for technology solutions. Below are Paul’s notes…

On November 18, 2014 a group of about 25-30 financial service folks (a handful each of bankers, startup executives, investors, tech company reps, journalists, and nonprofit leaders) gathered in the Mission to put ourselves in the shoes of underbanked customers in the U.S. Part scavenger hunt, part ethnography, FinX was a great chance to see the bewildering array of frustrating financial options available to underbanked customers in the US who are short on liquidity, short on time, and short on attention. Here’s the limited description I got before showing up: “This experience is not your traditional workshop or walking tour of a local neighborhood. It’s an actual step into the shoes of consumers making real-time decisions about fees, expediency, time, and convenience. The 2-hour in-the-field challenge is a rare opportunity for executives of financial institutions, FinTech innovators, and nonprofit leaders to go beyond simply hearing about the challenges that consumers face, and experience the real-life constraints and options they have. With your team, you will attempt to complete financial transactions such as cashing a check, acquiring and using a prepaid card, or seeking out a small loan.”

Once we arrived, we were split into about nine teams of three, and were given a packet of materials describing our situation. We were to pretend we were on a two hour break between shifts and had to get done a variety of things before our 12:00 p.m. shift started again. We were to assume we didn’t have a bank account, and had to cash a check, get a money order, pay rent and electricity, load a prepaid card, purchase a gift for our niece, and grab a snack—this was, after all, our hypothetical lunch hour. We also had to figure out the best rate we could get on a $500 loan from anywhere we wanted, and we had to haggle with a pawn shop owner about the value of my watch (we ultimately settled that it was worth $30, which I was quite pleased with).

I was on a team with Ariel Schwartz, Senior Editor at Co.Exist/Fast Company and Ethan Bloch, CEO of a fintech startup called Digit. We got off to what we thought was a fast start, finding a pawn shop and quickly negotiating a $30 value on my watch – which I was pleased with, given the fact that it was 15 years old and not worth much to begin with. We were also in high spirits when we located a shop called Ria (a chain across the U.S.) to cash our check. It seemed like it would be quick and easy and we could get everything done at once with only a $0.99 check cashing fee – our customer service representative, safely hidden behind a plexiglass wall, encouraged us politely that this would only take a couple minutes. But alas, they couldn’t get ahold of the payer of the check to verify by phone, and AML/CFT checks on me got tripped up. (Apparently they couldn’t figure out why I lived in DC but was cashing a check in San Francisco.) We lost 40 minutes hanging around being told it would only be “three more minutes.” We were all a bit (politely) pissed off. So that didn’t work.

Next we went to an Ace Cash Express. We waited in line about twenty-five minutes (precious lunch hour minutes ticking away), but once it was our turn, we were thrilled to learn we could indeed getmost of our tasks done, but at a cost: $6 to get the $90 check cashed, a one-time membership fee with Ace, and other fees to get money onto a prepaid. Unfortunately, we couldn’t pay our rent check because their system “couldn’t find the payee.” They said this “happens all the time” and that we should “come back later.” A not-so-fantastic option if you’re working two shifts a day and still want to eat, sleep, and see your family.

Next we had to send money to a family member, so we had to find a Western Union. Thank god for our smartphones and Google maps. We were able to do it, but again, were shocked by the cost: a flat-fee of $5 to send $30 to our friend in the US, who was going to pick it up later that day. That’s the going flat rate for a domestic remittance under $50: the equivalent of nearly 17 percent! This in an era where most of us can send value via PayPal or SquareCash or Venmo for no or little cost – IF you have a bank account which can be linked for ACH transfers. Unfortunately, our family member was told when she went to pick up the money that “the systems were down” and that she should “try coming back in two hours.” Simply ridiculous; I’m really rooting for these startups to motivate some improvements in pricing and service.

On the hustle back to our 12:00 p.m. shift we had to pick up a gift for our niece. We chose a beautiful yellow hula hoop and Brazil soccer ball from the dollar store, where, thank goodness, they accepted our MasterCard prepaid card. We were running short on time so only had time to grab a coconut water and banana on the trek back to our second shift.

None of this was rigged; these were all real stores, processing real transactions with real checks and GPR prepaid cards, treating us like real customers. And it was a great experience. It made me think quite differently about the tradeoffs between fees, convenience, and dignity. As the clock was ticking, considerations of cost, quite frankly, went out the door as we desperately tried to just get things done and not show up late for our shift. In some ways, perhaps, “done is better than cheap.” Also, it was just amazing to confront the bewildering array of choices. Walking down Mission Street, there are quite literally dozens of check-cashing spots, pawn shops, big signs promising fast cash, each with its own confusing set of matrices outlining prices based on a ton of variables. Who has time for that, who really cares at some point?

How the New Money Market Rules Affect You

The SEC Commission has approved rules that require institutional money market funds to implement floating share values and other restrictions, such as restricting withdrawals and imposing redemption fees of up to 2% if fund assets drop below prescribed levels. The shares would float based on changes to NAV (changes to the underlying market value of the fund’s assets). Currently, these funds have a fixed price of $1 per share.

The rules were crafted in response to the 2008 financial crisis, when corporate lending markets seized up in response to a lack of liquidity. The new restrictions will hopefully help maintain capital levels and keep markets operating smoothly during times of stress.

Individual Money Market Funds Not Affected

While the new floating share rules apply to institutional funds (both prime and tax exempt), they will not impact government and retail funds that are sold to individual investors. (Note that they will apply to institutional municipal money markets.) However, provisions for liquidity fees and redemption gates do apply to all funds, both institutional and retail.

For a definition of government and retail money market funds, the SEC provides this detail via a press release on their website:

Government and Retail Money Market Funds – Government and retail money market funds would be allowed to continue using the amortized cost method and/or penny rounding method of pricing to seek to maintain a stable share price. A government money market fund would be defined as any money market fund that invests 99.5 percent (formerly 80 percent) or more of its total assets in cash, government securities and/or repurchase agreements that are collateralized solely by government securities or cash. A retail money market fund would be defined as a money market fund that has policies and procedures reasonably designed to limit all beneficial owners of the money market fund to natural persons. A municipal (or tax-exempt) fund would be required to transact at a floating NAV unless the fund meets the definition of a retail money market fund, in which case it would be allowed to use the amortized cost method and/or penny rounding method of pricing to seek to maintain a stable share price.

One way this might affect individuals, is if they invest in institutional money market funds through their 401K. It is likely that most retirement plans will choose retail money market funds as a plan option for this reason. This will affect small and large businesses that use these accounts as short term funding for their day to day and week to week operations. For a related article on this subject read more here.

The new rules will not go into effect immediately. Fund companies have two years to comply with the new restrictions.

Nov / 17

Building Trust Beyond the Branch

Customer service has been a large part of a bank’s strategy to build trust among consumers. Despite the bad press banks have been receiving, their ability to provide high level customer service at branches has been an integral part of their relationship building strategy. As a customer, I’m always suspiciously pleased by the exceptional friendliness of the tellers and their interest to make small talk while completing transactions. This strategy has been an effective way for banks to get consumers to trust them, and I often find myself leaving branches feeling somewhat more popular than I was before the transaction.

However, over the past few years, two things have been happening that have increased the need for banks to promote trust outside of their customer service strategy. Firstly, with the increase in ATM capabilities, and technological improvements with online and mobile banking, fewer customers want to make that trip to the branch to complete their daily interactions. This means that fewer customers are benefiting from the highly trained branch personnel and bonding with their bank on a weekly basis.

Secondly, and more importantly, to say consumer sentiment of banks has soured over the past few years is a huge understatement. While the blame for the financial crisis will always be thrown around among banks, regulators, and consumers, one fact is clear: customers have lost trust in financial institutions. A study earlier this year by PEW confirmed this sentiment by finding that 47% of American’s don’t trust banks, and this is a serious problem considering banks are often asking customers to trust them with their life’s savings and financial decisions.

In the wake of the financial crisis, banks and financial providers have some big hurdles to conquer if they want to continue to grow their customer base and keep them happy. They need to build consumer trust again and convince people they are on their side. And having friendly branch staff might not be enough to cut it anymore.

To build trust successfully, providers need to go beyond the frontline staff and think about providing products that build consumers trust. As the Compass Principles recommend, products and services should be designed to help consumers clearly understand and derive value from their financial products and services. The marketplace today is flooded by products that aim to take advantage of consumers by charging fees or setting consumers up for failure. By providing transparent and reliable products that consumers can depend on, financial providers have an opportunity to differentiate themselves among competitors and build consumer confidence and trust for long-term relationships.

There are some great examples of providers who have integrated a sense of trust into their products. Cardtronics, one of the largest ATM providers, aims to provide relevant support to customers before, during, and after every transaction by offering transactional advice in locating an ATM and suggesting ways to reduce fees. ZestCash, an online lender, differentiates itself from other small dollar short-term lenders by allowing customers the ability to design their own repayment plans and rewarding positive repayment through cheaper loans. NetSpend, a successful provider of reloadable prepaid cards, clearly outlines its fees on its website and promotes savings by offering competitive interest rates. These kinds of product designs help signal to consumers that providers are looking out for their best interest and providing a product that meets their needs without penalizing them inappropriately.

These are only a few of many providers in the marketplace today finding new and innovative ways to build trust among customers. I encourage readers to share their own experiences and best practices for how providers can continue to design products that customers can trust.

Costs Matter-How Much are You Paying in Investment Fees?

Many of my prospective clients come into my office either not knowing how much they are paying in investment fees or mistakenly thinking that they are receiving their investment counsel for free. It is no wonder this occurs. Fees are often embedded in the form of loads (either front-end when the fund is purchased or on the back end when it is sold), commissions, and expense ratios. These hidden fees make it difficult to ascertain total investment costs for your portfolio.

Many financial statements appear to have no fees deducted, but just because you can’t see a fee, does not mean it is not present and having an effect on your portfolio.

So how do you determine the fees you are being charged?

How much do you pay for advice? – Fee only versus Fee Based Advisors

First, if you use an advisor, you will somehow be paying for this advice. There are many ways advisors receive compensation.

A fee “only” advisor charges a fee based on either a percentage of your total assets invested, a retainer, or per project fee based on an hourly rate. This is the easiest and most transparent way for the client to be charged. Furthermore, with retainers and hourly fees, large portfolios are not charged egregiously high rates just because they have higher account balances. Note that true fee-only planners are in the minority in the financial advisory world. Hourly, fee only advisors are even rarer.

The downside of this approach is that since the client has to write a check for the amount, behaviorally it is less palatable for him, even if the charges are far less. Ironically, this enhanced awareness of the fee, even if it is substantially lower, makes the client more resistant to paying via this method.

Fee “based” advisors are distinctly different from fee only advisors in that they can charge a certain percentage of assets AND may also receive commissions on the products or funds sold to the client. This could be the case if your advisor who charges you 1% annually on your investment portfolio also gets commissions from the funds or positions in your portfolio or from an insurance product or annuity he or she sells you.

The ABC’s of Investment Fees

Most investors that go to a solely commissioned based brokerage are not charged a fee as a percentage of their assets. So, on the surface, it may appear that the advice they receive is “free.” Instead, the broker will buy funds that have a built in commission. These funds are often denoted by a capital letter after the fund. An “A” fund has a front-end load. Typically 4-6% of the total amount handed over to the advisor will go straight to him or her as commission. These fees may decline at certain breakpoints, particularly if you stick within one fund family. “B” funds have back-end commissions that normally decline over time, so it is best to hold on to these until they have expired. C funds have level but relatively high annual expenses. Due to these loads or commissions, load funds tend to have higher expense ratios, as well as potentially 12b-1 fees.

What are expense ratios and 12b-1 fees?

An expense ratio is the most common fee an investor will encounter. It represents the annual operating costs of the fund. Every mutual fund or exchange traded fund has this ratio, and, of course, you would ideally like to see these as low as possible. For example, active funds may have expenses ratios well over 1%, whereas passive index funds may have expense ratios less than .20%.

The 12b-1 fee is also considered an operational expense and, as such, is included in a fund’s expense ratio. It ranges between 0.25-1%, but is more often closer to 0.25%. It is primarily used as an incentive for the broker or rep to sell the fund and is paid to that broker annually.

Note that although active funds purport to “beat the market,” over two-thirds of these funds fail to beat their benchmark in any one year. See this related article. As you can imagine, the more of these active funds you add to your portfolio, the chance of you beating the market (as represented by index funds) over many years substantially diminishes. Thus, the increased expenses many investors pay a fund manager to “market time” or pick “winning funds” are often a waste of money.

Let’s look at an example to bring it all together:

Say I invest $100,000 in a fund with front end loads of 4.75%. The fund also has an expense ratio of 1.13% inclusive of a 0.25% 12-b1 fee, which goes back to the broker. At the same time, I decide to invest in a no load passive indexed fund in the same investment category.

After 5 years, assuming that the annualized rate of return for the category index is 10%, the total costs and return of the portfolio would be as follows:

Even though the expenses for the higher cost fund were perhaps not as transparent, the ending value of the investment shows the dramatic difference. This is why many investors scratch their head and wonder why their portfolio seems to underperform the market.

The moral of the story is costs matter, especially over long periods of time. Over just five years, in this example, the low cost investment balance is over 10% higher.

Make sure you fully understand all of your investment costs and how you are being charged. If future investment returns are expected to be lower than what we have historically experienced, keeping costs low is even more imperative.

If you invest in low cost funds and use a low cost fee only advisor consider yourself well-armed to defend against lower returns in the future.

May / 06

How to Save More During Independent Quarantine at Home

To deal with the spread of Covid 19, most countries in the world establish independent quarantine at home. As long as you have to work, study and do all the activities at home, of course household expenses continue to run. At a time like this, it’s a good idea to save money on household expenses during the quarantine period in your home. The good side of you having to stay home during the stipulation period of the Government is that you can save on transportation expenses.

Here are some ways that you can use to save your expenses as long as you have to live and work from home.

1. Turn off the lights when not in use

This simple thing is often forgotten. Did you know that by turning off one light in your home, you can save electricity. Two 100 watt incandescent lamps which are turned off for two extra hours per day can save 15 US dollars per year or around Rp245 thousand (exchange rate Rp16,354). If you want to save even more, you can switch to the type of LED lights to reduce your electricity costs. Without you realizing you also contribute to the maintenance of our earth by saving electricity. .

You can also use natural lighting during the day. Open your window, turn off the lights other than at night. If you fall asleep, don’t forget to turn off the sleep lights in your room too.

2. Turn off the water

Cover the water tap after use and before use. If you wash your hands, don’t let water run while you rub with soap. Reduce the flow of water so that the flow of water that comes out is not too much. Try to take a shower not too long. Clean your whole body parts without having to discharge water through your tap as long as you shower.

3. Pay your installments

Try to pay your installments before maturity. Fines will result in you having to pay unnecessary fees and in the midst of this crisis, you should keep your name in the relevant Financial Services Authority if in the future you need your funds not constrained in your credit score.

4. Save Food Stock

Avoid going out every day just shopping for food daily. Shop for food stock for about a week or two. You can store it in the refrigerator and freezer for food ingredients that can be frozen. Suppose you buy a potato, you can fry it dry, and store it in the freezer. Likewise, meat, fish and seafood. Make sure all your food items have been washed with soap first.

5. Stop smoking

Besides you save money on your monthly expenses, this also helps maintain your health. As much as possible you reduce smoking even quitting will be even better. You love yourself and those around you.