More Than Finances

Get your finances in order!

By

Chicago’s Newest Start-Up Helps you Save Money by Comparing Services

Bootler Full Logo Green-01Ever feel like you want to try out some new restaurants, but do not have the time or the money? I for one know how easy it is to get into the routine of eating the same things every single day, but it gets boring quickly. Luckily, I recently stumbled upon something that has helped me mix it up and change the way I eat meals.

While at work the other day, I felt like I wanted to try something new for lunch. My usual turkey sandwich and chips from the shop down the street were just not going to cut it for me. Unfortunately, I was not left with many choices. I could walk further and cut into my lunch time or I could order something. Ordering something seemed like the better option, but I didn’t want to waste extra money on delivery expenses. I began searching online to fulfill my appetite and I came across a new website called GoBootler.

GoBootler is a new Chicago Start-Up that makes ordering food online a lot easier and helps you save money. The directions are pretty straight forward, it’s really no nonsense. You can browse through restaurants by cuisine type or even just search a place you have been wanting to try.  You click on items you want, thus building your meal and then voila, GoBootler compares different delivery companies for the best price. I seriously had no idea how many delivery companies there were. After using this new site, I have saved money and my meals keep getting better and better!

By

Advantages of Forex Signals at XFR Financial Ltd

It takes hard work to make money Forex trading. There is a high degree of vigilance required in order to capture the moves of the market and make the best trade option. Those who take the time to sit in front of computer screens can make a good profit but those who do not have enough time to do so can face issues. Identifying the profit making opportunities is very crucial at XFR Financial Ltd and that is what makes a big difference in trading. The best solution to this are trading signals at XTrade or with other broker like iForex, XTrade or FXCM.

How Forex signals work – XFR Financial Ltd explains

The signals, as explained by XFR Financial Ltd, are buy and sell indicators which are automatic alerts for good entry and exit points at the most appropriate time. These signals are provided by the Forex signals providers who are there to monitor the market all the time and send signals at the most appropriate time for the traders. The signals are sent to different mediums like cell phones, computers, pagers, etc. and the traders can focus on other things without worrying they will miss important trade opportunities at XFR Financial Ltd. Through Forex signals you can stay updated to the latest Forex signals and thus it is a great tool for the Forex traders all around the world.

Technical Indicators used by the Forex signals

Forex signals use several indicators for identifying the market trends and with these indicators a service provider of the signals easily recognizes what are the entry and exit points. All the information is then sent to the trader at FXCM or at any other broke where he has an account at. So, he will be able to take the decision immediately on the basis of the signals. A number of technical indicators are there which are used for generating the signals and here are some of them.

  • Simple moving averages– SMA is derived from the Forex chart directly. The Buy signals are generated when the currency price moves above the SMA Line and Sell signals are generated when it goes below.
  • Bollinger bands- Bollinger bands reflect the changes in the trends of the markets. When the band tightens it means that quick changes are there in the currency prices.

It has to be noted that the signals are very useful for traders who trade at XTrade and if the services is taken from a good signal provider, any trader can take the best advantage of them. It is possible to make profitable trades using the signals provided by the services. Whether you are trading with XFR Financial Ltd or any other company like iForex, you have to take the services of a good Forex Signals on which you can rely on the signal services.

By

Why It’s Important To Learn Forex Trading Online?

Forex trading offers a lot of opportunities for profit making to the investors. But only smart traders succeed as a profitable Forex trader. A big percentage of the beginners in Forex fail due to the lack of knowledge. It’s easy to enter this arena but not so easy to become a profitable trader without investing your time and energy in learning Forex trading.

How To Learn Forex Trading?            

Many beginners consider Forex trading a gamble. The first and foremost thing is that Forex trading online is not a gamble. It is a way of trading currencies smartly with the use of successful strategies, and correct prediction of the movement of prices in the markets. That is why it is important to learn Forex trading to understand the trading strategies well and get a full knowledge of the Forex market.

Learning Forex trading online is important and there are various methods by which you can learn Forex trading. Whatever may be the method of learning Forex trading the quality of learning is important. Here are some of the ways for getting knowledge about FX trading.

A Demo Account Is The Right Way To Go

Learn through a Forex demo account- No one is perfect from the beginning whether it is any field or discipline. With the practical knowledge comes the perfection and that is why it is recommended to try a demo account to learn Forex trading. Demo account is available with almost every broker and you can trade in the real Forex market without using any real money. Forex brokers provide demo money to trade and thus real money is not at risk even if you trade in the wrong direction. For more learning you can try the demo accounts of different Forex brokers and gain more experience as a beginner. When you become confident, you can start trading online at https://www.xtrade.com/ with a live account.

Learn Forex trading through Forex forums and communitiesForex forums and communities are great sources of Forex education since there are many Forex experts and traders who meet in these Forums and discuss their views and experiences with the trading they perform. If you have any doubt or you have any query regarding any Forex term or strategy you can discuss in the forum and know the views of different traders and experts.

Read trading online tutorials- Online tutorials are a great source to read and understand Forex trading. They cover the basics and the advanced level of Forex trading knowledge. But the most important thing is to read those materials only which are of high quality and provided by experienced Forex traders or brokerage companies.

 

By

5 Personal Budget Tips For Those Who Have Poor Credit

When you have bad credit, it can feel like you’re doomed to a life of financial failure. Guess what: you aren’t! Bad credit is absolutely something from which you can recover. It might take some time and it will definitely take hard work, but it is absolutely doable. You just have to put together a budget and stick to it. Here are some tips to help you do that:

Loans

If you have bills that are past due and you need help paying them regularly, it might be helpful to take out a loan. Your bad credit might keep you from taking out a bank loan, but there are financial companies out there, like Crest Financial and others, that specialize in short term loans for people whose credit is less than stellar.

If you do decide to consult with CrestFinancial.com, make sure that you do not borrow more than you can afford. Bad credit loans tend to have very high interest rates and you don’t want to wind up paying back more than necessary.

The Envelope Method

If you aren’t used to following a budget or have a difficult time keeping track of your income and savings, using the “envelope method” can help you develop those habits. The envelope method is very simple: you create an envelope for every bill or expense listed in your budget. This includes creating envelopes for budget items like “groceries,” “fun money,” etc. Portion out your paychecks and income according to how much you’ve listed on your budget. Then pay bills directly from those envelopes. When there’s no money left in the envelope, you can’t buy anything else in that category. The easiest way to do this is with cash but there are digital apps that can help you here too.

Create Your Own Numbers

Everybody knows that they need to pay more than the minimum amount due on their bills if they want to actually pay off their debts. But how much more is enough? Even $10-$15 more is good but, if you really want to pay down your debts quickly and fix your history of bad credit, you need to offset whatever interest is charged to your accounts. Look at your monthly bill. Add together the minimum amount due, how much you’ve been charged in interest and then add another 10% onto that amount. You’ll be amazed at how much faster your debt shrinks when you use this method.

Bringing in Extra Income/Reducing Your Expenditures

It’s vital that you pay your bills on time every single month. This, more than anything else, is what will help you fix your bad credit history and raise your credit score. If you aren’t earning enough through your current job, you’ll want to find a couple of ways to bring in some extra cash while you also work hard to reduce what you spend. Driving for Uber, for example, can bring in extra money in your “spare” time and using Groupons can help reduce what you spend. There are many different approaches you can take here. Start exploring and choose the methods that work best for you and your family.

Buy Nothing

Check around your local area to see if you can find the things you need for free. You’re probably already great at shopping on Craigslist, but what about checking out your local Buy Nothing group? A quick search will turn up plenty of groups that are dedicated to helping their members get the supplies they need for as little money as possible. Take advantage of these groups so that you’ll have more money to allot toward your bills.

These are just five of the methods you can use to make creating and sticking to a budget much easier on yourself and your family. Over time, as you stick to this budget your credit score will go up and you reduce your risk of finding yourself in this same predicament in the future.

 

By

To Borrow or Not to Borrow: When Does Applying for a Loan Makes Sense?

Though it would be nice to always have money to cover the unexpected events in life, it’s not that easy. There may come a time in your life when you just don’t have the money. An unexpected bill, a loss of income, or even an emergency repair could put your budget out of whack for months. Naturally, when you don’t have the funds you need, you ask for a loan. Though loans can get you over the hump, they do have to be repaid, which is why making the decision to borrow should not be taken lightly.

Borrowing funds from a lending provider can get you out of a jam when you have no other way out. However, many people end up in serious debt. They either take out more than they need, don’t repay the loan timely, or didn’t evaluate the matter to determine if they needed a loan in the first place. To prevent this from happening to you, here are circumstances in which taking out a loan is a good idea and when it’s not:

When Taking Out a Loan Makes Sense

A bill being more than expected – Instead of the average $200 for gas and electric you have to pay $300. You won’t have the money until payday, but to avoid late fees and other charges you need to pay the bill in the next day or so. In this instance, taking out a loan makes sense. It allows you to avoid the penalties that would be implied by the service provider. Also, because you’re able to repay it around your next pay cycle, you won’t accrue too much interest on the loan.

An unexpected emergency – Your car breaks down and you have no other means of transportation. You take it to the shop only to find that the repair is going to cost you $500. In this instance, taking out a loan might be your best bet. You can apply for a short term loan for $500 and pay on the balance over the next 14-30 days. This way you have about a month before you accrue too much interest but you still have your car to get where you need to be.

In this instance, it might also be beneficial to learn how to keep your car well maintained, such as these tips offered on the MaxLend Loans Twitter page. Doing so will minimize the chances of you needing a loan in the first place.

Let’s face it, there are times your bills are so costly you don’t have a cent left to your name. If you need extra cash to hold you over until your next pay, then this might suffice taking out a loan.

When Taking Out a Loan is Not Ideal

Now that you know when it is beneficial, let’s talk about instances in which taking out a loan is not a good option.

You’re in over your head – If you already have hundreds of dollars in debt, there is no reason to add a loan to the top of it. No matter how small the loan is, if you can’t afford to repay it right away, this will add to your frustration.

You can’t pay it back timely – Taking out a loan and agreeing to terms knowing that you can’t afford to repay is not ideal. The longer it takes you to repay a loan, the more of a financial burden it becomes for you.

You have other loans out – If you already have a financial obligation to another financial institution, adding another payment can cause more of a burden.

Do Your Homework

If you’ve decided that it is in your best interest to take out the loan, make sure that you do your homework. Not all loan companies are created equally and you want to do business with a reliable, reputable provider. Checking out the company website is one way to conduct research. The best information is often found on social media platforms, such as on this Max Lend LinkedIn profile. There you can review information about the company and also see how many others have used this service provider in the past.

When you need financial assistance, the most common solution would be to borrow the funds and repay them later. Though loans can be great tools for helping you when you’re in a jam, you really need to think it through before applying. Taking out a loan unnecessarily or without a proper plan of repayment in place could lead to increased debt, which is the starting point of a financial disaster. However, with a proper plan, taking out a loan could hold you over when you simply don’t have the means to do it yourself.