By: Admin / Textr Online

How Macy's Creates The Biggest Thanksgiving Parade In The World

A Thanksgiving tradition that takes place in every home across the country isn’t just cooking and eating delicious turkey but enjoying the world’s biggest parade. That’s right, Macy’s Thanksgiving Day Parade is back for 2021 and they’re planning on a massive celebration. 

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By: Admin / Textr Online

Bargain Traveling For Americans

What are an American’s best ways to make the most out of travel bargaining? Other may try to take advantage of Americans in other countries — how they differ in currencies and secret rituals. 

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By: Admin / Textr Online

Stay Warm This Fall With An Apple Cider Moscow Mule

Fall marks the beginning of apple cider season, but the traditional apple cider can be used in a delicious new way. This cocktail recipe combines two classic recipes of the Moscow mule and apple cider.  

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By: Admin / Textr Online

Hibiscus Halloween Punch Recipe For Any Party

This recipe is easy to make for any party that can be mixed with or without alcohol, incorporating fresh fruit with enough punch for everyone. You can make this ahead of time before the party with 15 minutes for preparation and a total time of 30 minutes.  

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By: Admin / Textr Online

Free Pumpkin Carving Stencils

Carving pumpkins is one of the fun things to do for celebrating Halloween and is a creative project for the whole family to enjoy. When I was a kid we had traditional pumpkins with the jack-o'-lantern face design but now there are endless designs to choose from and there are a couple of websites that offer free pumpkin stencils with nearly every design you could possibly think of.  

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By: Admin / Textr Online

How To Grocery Shop While Living Frugally

If you commit to living a frugal lifestyle, you will have to see where you can make a difference in all aspects of your life to make the biggest difference. One consistent expense that we have to account for is for groceries. As a result, to truly live a frugal life, we need to find ways in which we can save money while grocery shopping while still finding the products that we need.  

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By: Admin / Textr Online

How To Exchange Currency Without Big Fees

Travelers planning their next trip will consider where they will stay and how they will get there while they forget one important factor, currency exchange. This might not seem like a big deal, but you would be shocked with currency exchange rates that range on many variables that can cost more than you would think.  

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By: Admin / Textr Online

Three Ways To Save Money You Never Knew About

We have all been in the uncomfortable financial position of needing to cut back expenses, but not knowing where we can realistically save any money. However, there are actually ways to save even on our most essential bills that are not often realized. Here are some new saving opportunities that we recommend you give a shot, as they could make a big difference.  

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By: Admin / Textr Online

Diamonds Are A Man's Best Friend

The infamous jewelry brand based in New York, Tiffany &Co., reveals a brand-new product that taps into a new market for fine jewelry market catered to men. Tiffany’s is known as being a girl’s best friend and caters to a small demographic of men shopping for their significant other.   

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By: Admin / Textr Online

Top Budgeting Apps of 2021

Budgeting apps help track your spendings and savings. Most budgeting apps of 2021 attach to your bank account and automatically download your transaction history to keep you from spending over your budget. While others need manual input. Whether you like to share your account details with an app or not, it’s important to have a budgeting app to keep track of your spending habits. In this blog post, we will share the top budgeting apps for 2021, so keep reading to learn more.  

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By: Admin / Textr Online

Common Financial Struggles And What You Can Learn From Them

Financial struggles among several other things are a common aspect of your life. However, the only ways to come out even stronger is by staying resilient and learning valuable life lessons through them. Here are some of the most common financial issues and lessons you can learn from them.  

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By: Admin / Textr Online

2021 Tony Awards Charges Admission

It’s been a challenging year for Broadway with the mandatory shutdown of nearly all productions nationwide and postponing the biggest night in musical theater, the Tony Awards. The organizers of the Tony's announced they would be delaying the awards show in June 2020 and now are giving fans a glimmer of hope with the announcement of the two-part awards show.

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By: Admin / Textr Online

Five Tips to Save You Over $500 Per Year

Your financial goals can see a serious setback if you’re nota pro at saving money. While the rule of thumb is to spend less and save more, the latter isn’t as easy as it sounds. Therefore, through these simple yet effective money-saving hacks, you may be able to take baby steps and define your financial goals better.  

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By: Admin / Textr Online

The Cheapest Ways to Receive Counseling

Counseling sessions don’t come cheap, and people looking to cope with their problems through professional help are overwhelmed by the cost of therapy. An average counselor will charge between $100 to $200 per session, and the cost goes higher in urban areas. People who can’t afford counseling sessions often find other ways to cope with life. In this blog post, we will share the cheapest ways to receive counseling so that you can find professional help within your budget. 

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By: Admin / Textr Online

How to Recover From Identity Theft

Identity theft is a severe problem that is plaguing the lives of millions of Americans every year. Whether it is a fraud like credit card skimming, online hacking, or even stealing your mail, you must take steps to recover your identity. Clearing your credit report and name of fraudulent information can be an overwhelming and tedious process. However, there are numerous resources at your disposal that can help you recover from identity theft. 

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By: Admin / Textr Online

What Is Net Worth?

Net worth is the dollar amount derived from your assets and income combined. Knowing your net worth is important because it helps you realize how much money you own. Money can be in different forms, from cash to real estate and even your cars. Anything with a monetary value is accounted for in your net worth calculation. So, if you want to know what is net worth and how to determine it, you are in the right place. In this blog post, we will share quick tips on how to determine your net worth after explaining what it is. So keep reading to learn more. 

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By: Admin / Textr Online

Credit Cards That Offer Zero Interest

Credit cards can be great for financing purchases when you don’t have cash in hand. These small plastic cards can be your personal loan machines, and you can buy anything above your salary to a certain amount.  However, the interest in credit cards is the reason most people tend to stay away from them. Paying interest on credit cards can affect your budget and your savings drastically. Moreover, you will be paying additional money over an already expensive purchase. 

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By: Admin / Textr Online

The Tradeoff of University vs. Community College

Making a choice between Community College and University can be the toughest decision for any student. A University offers a full-fledged learning environment with excellent faculty, but it also comes with a substantial cost. On the other hand, Community Colleges offer associate degrees and diplomas. The tradeoff can be challenging if you don’t have a career path planned out yet. However, there are several reasons to choose a Community College over a university, and we are here to elaborate on them. So, keep reading to learn more.  

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By: Admin / Textr Online

3 Tips to Waive Service Fees

We've all paid a service fee at some point in our lives, for banking, taxes, or even something as simple as getting your dry cleaning done. You can use many tips and tricks to waive off these fees without breaking the bank. In this blog post, we will discuss how to waive service fees. So, keep reading to learn more. 

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By: Admin / Textr Online

A Brief Guide To Interest Rates

 Excuse us for the generalization; most currencies of the modern world are now in decimals. Currencies, just like numbers, work in different units.
 Let us elaborate:
 $1 has 100 cents.
 £1 has 100 pence.
 €1 has 100 cents. 
 Doing basic calculations can be easy for the most part, but some instances can get tricky. For example: managing your finances. This is an essential part of any person’s life since it ultimately decides how to live within our budget. With that said, even though the sound of living debt-free can be music to your ears, it’s not a smart approach.
 Sounds baffling, right?
Allow us to elaborate. 

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By: Admin / Textr Online

Quality vs Quantity When It Comes To Purchases

Life is full of choices, and most times, we can’t decide between two things. The most complicated decision is, buying now or saving up for later. In our opinion, saving up and buying later is always a better decision than buying as-is. However, this depends on the purchase circumstances and the item you are buying. If it’s a necessary purchase, you should buy it without waiting. However, luxury purchases should be planned.

In this blog post, we will explain how saving money and buying later is better than buying as-is. So, keep reading because it will be an enlightening journey for you.  

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By: Admin / Textr Online

3 Tips To Negotiate Your Starting Salary

When an employer extends a job opportunity, you have every right to negotiate your salary if it doesn't meet your expectation, skills, or experience. Most employees make the mistake of being shy in negotiating their pay, leading to a wrong career move.
Money is essential in life, and there is no shame in asking for the amount you deserve for the work you do. In this blog post, we will share 3 tips to negotiate your starting salary and why it is crucial. 

You will remember your first job your entire life because it will set the stage for your future. Starting with a good salary package makes sure your next job pays even more. If you kick-start your career at a low salary, you can't expect to jump to a higher amount quickly. Therefore, negotiating your starting salary is essential to achieving career growth. 

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By: Admin / Textr Online 

401k vs Pensions Plans

Pension plans are defined benefit plans. They are retirement savings plan funded by the employer while the employee works for the organization and the money goes into the pension on behalf of the employee. This allows the employee to receive regular payments after retiring from the organization. 
Often employers offer pension plans to employees as perks to attract them. There are many retirement plans. The amount of money you receive depends on the years you have worked and your earnings overtime.  
Pension plans are usually funded by the employers. Though sometimes, the employee can put in their own money into the plan if they choose, but mostly the money in a defined pension plan comes from the employer. However, the pension plan depends on how long the employee has worked for and how much the employee has earned. 
The pay-outs start upon retirement. After retirement, the employee receives regular payments periodically, which usually last a lifetime.   

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By: Admin / Textr Online

3 Lifehacks To Save You Money And Time

 Focusing on your financial and personal goals is difficult if you do not follow a budget and routine. However, to reach your money goals, you should learn how to increase your savings and lower your spending. Saving more money and cutting your extra expenses will help you pay your debts faster, invest in or buy your own home, or meet other financial and personal goals.
Time is that one thing money can't buy. Saving time and money will help you have a disciplined life and make it a lot easier. 

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By: Admin / Textr Online

Besides Stocks, What Can You Invest In?

Investing in the stock market is a great source for long-term wealth with an average compound interest of 10% over the century.
But people are also hesitant when it comes to investing in stocks. Seeing the ups and downs of the market is too high of a risk for them. In addition to this, people want to get involved in things that are tangible or those they can control more directly.   

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By: Admin / Textr Online

The Top 3 Credit Card Myths

Credit cards make life easier as they are portable and eliminate the need to carry cash around.  Although there are a couple of pros to using credit cards, they can also cause financial trouble if you are not prudent enough with all the responsibilities that come with them. You must also be careful when spending through credit cards and must track your spending. 
You might often come across the dos and don'ts of using a credit card, but there are many misconceptions about credit cards and their usage.  
Let’s separate facts from fiction!  
Here are 3 myths about credit cards that you need to know  

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By: Admin / Textr Online

3 Tips To Save For Your First Home

When two people get married, they have dreams of owning a house and starting their own life together. However, several people walk down the aisle with some amount of debt, which often restrains their ability to save for their first home.
When debt is eating up your savings, it's important to follow some helpful tips that help you adjust your sails true north. It's also important to remember that saving up for a homeisn't necessarily easy and it takes consistent dedication to follow through onyour plans.

If you find yourself in a similar situation, here 3 tips that will help you save for your first home. 

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By: Admin / Textr Online

Should You Be Investing In Stocks Or Real Estate?

Many investors traditionally turn to the stock market to put their money to work. While stocks are a popular investment option, not many people know that buying real estate is also a good investment idea. Whether it's saving money for retirement, college fees, or earning residual income, real estate and stocks are always the best places to invest for higher profits.
 
Comparing real-estate and stock investment is an excellent place to start. Understanding their differences, especially those related to profit margins, is crucial before putting your money to work. Here are a few things every investor should know before choosing between real estate investment or stocks.  

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By: Admin / Textr Online

Should You Have A Prenup?

Before getting married, you need to secure finances so that they get divided fairly in case of a divorce. Prenups have become increasingly popular in recent years, and you might be wondering, “Should you have a prenup?” According to financial expert Suze Orman, every couple needs to draw up and signa prenup agreement.

“If you can’t talk money with the person you are going to marry, you are doomed for failure” – Suze Orman. 

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5 Tips To Pay Off Student Loans

 As much as we like to poke fun at student loans, it's a reality that most American students have trouble paying them back. Around 44.7 million Americans are trapped under the mountain of student loans, so you are not alone in this. In this blog post, we have shared 5 tips to pay off your student loan and help you get back to regular monthly budgeting. These tips require patience and perseverance, so stick to the plan and keep paying off your student debt each month. 

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By: Admin / Textr Online 

Tips To Get Rid Of Credit Card Debt Fast

Almost half of all Americans have a credit card and don’t pay their outstanding amount in full each month. Debt can affect your monthly budget and your savings significantly. Over the past few years, credit card interest rates have declined, but this is not an excuse to delay your payments.  Controlling your credit card expenses, paying the due amount in full, and keeping an eye on your credit score are some of the things that can help reduce credit card debt.  

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By: Admin / Textr Online

Are You Taking Advantage Of Rebates?

Have you ever wished you would get a portion of our moneyback on buying expensive products? Well, you are in luck. Rebates are marketing techniques used by companies to acquire new customers and boost their sales, and you can take advantage of this to save money on purchases. Before we get into how you can take advantage of rebates, let’s understand rebates first.  

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By: Admin /  Textr Online

The Top 5 Mistakes Made By Beginner Investors

You were probably taught the things you should do and the things you shouldn’t do when you were young. When you reached puberty, you yet again asked your parents for advice, and they once again enlightened you with their experience.
By learning from the mistakes of other people, not only do we avoid these unfortunate circumstances, but we also enjoy the smooth ride thanks to a droplet of wisdom from the people who have gone through the same situation.

With that thought in mind, we’ve compiled a list of the top 5 mistakes beginner investors make. Read on to know if you’ve made any of these before!  

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By: Admin / Textr Online

5 Tips To Raise Your Credit Score

Credit scores are a measure of your credibility for loan repayment, and a low credit score can adversely impact your finances. You can't expect to receive a mortgage, an apartment, or a credit card. This is because If you miss out on your payments, your credit score will drastically drop. A credit score below 669 is considered inferior by the top credit bureau, and you should strive to improve your credit score.

As hopeless as your situation may seem now, you can improve your credit in a reasonable period. Here are the 5 finest tips to raise your credit score. 

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By: Admin / Textr Online

5 Alternatives To Traditional Cable

 When we talk about streaming video, the cable isn’t the only option. There are plenty of online streaming sites that aren’t as expensive as cable TV, allowing streaming on mobile phones and other devices. So if you have decided to cut down your expense and your TV cable cord, then you are in the right place. We have shared 5 alternatives to Cable TV to save you hundreds of dollars and won’t limit you to your TV only. 

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By: Admin / Textr Online

4 Tips For Creating A Rainy Day Fund

So you have painstakingly made an immaculate budget that makes you feel confident. Then something crops up in the middle of the month that doesn’t fit into your projections. This is where your fund for rainy days comes in for the rescue and saves you from drowning in the sea of debt.  

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By: Admin / Textr Online

4 Ways to Save On your Bills

A tight budget at times makes it impossible for people to save money. But no matter how dire your circumstances are, it’s always beneficial to keep something for the future. Thinking of getting a better job that can pay you more money isn’t necessarily the solution! An unhealthy lifestyle is like dangerous bacteria that only grows with more room. This article lists some of the realistic ways you can save money to continue enjoying things that are important to you. 

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By: Admin / Textr Online

How Much Money Do You Need To Retire? 

Retirement planning should be done as early as possible. It’s a constant part of your life, and if you want to have a happily ever after, you need money. Working after your 50’s can be daunting and sometimes very difficult to manage. When you become a grandfather, you would want to spend time with your family, and your financial needs won’t let. So if you are looking to save up for retirement, we will help you figure out how much money do you need to retire. 

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By: Admin / Textr Online

Do I Need Good Insurance? The Risks of Cost Cutting

You are narrowed down with insurance plans, and you have to make a choice now. Your instincts tell you to go for the cheapest option to save money. However, have you considered the risks of cheap insurance plans? Many people live without health insurance so that a cheaper plan won't hurt – right?

Although a cheaper insurance plan might save you money, the consequences of low premium insurance plans are far worse than you can imagine. Here are a few reasons why you should choose a premium insurance plan over cheaper options.   

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By: Admin / Textr Online

The Best Way To Finance A Car

Buying a new car is a tough decision, and you have to live with it for five or more years. Many people rush into this without exploring all of their financing options. In this blog, we will discuss two major sources of car financing and help you make the right decision. 

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By: Admin / textr Online

5 Things You Do That Could Be Losing You Hundreds

Adding money to a savings account is second nature for many people. However, sometimes we fail to notice little things that cost a lot of money. These tiny expenses cost us hundreds of dollars when they mount up and have a strong impact on household income.

In this blog post, we will explain 5 things you do that could be losing you hundreds of dollars. If you act smartly, you might save a good chunk of your income that can be invested elsewhere.  

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By: Admin / TextrOnline

The Best Computer Savings Of the Season

2020 has been a crazy year so far, but people still have hope. With Black Friday still on schedule, people have something to look forward to. Shopping enthusiasts are already dipping their toes in this year’s holiday sales. Some of the top brands are offering the best discounts, and shopper shave their wallets out!
This year, brands are all out to satisfy tech-savvy buyers and make it their year. If you have been hoping to upgrade your computer, then wait no further. With the best deals on computers out in the open, it’s time to buy big and save bigger!

So let’s satisfy your need to shop till you drop and get into the list of best holiday deals this year. 

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By: Admin / TextrOnline

How To Get Started Investing In The Stock Market

Investing is the act of setting aside money for the future. While you are busy with life, your money would do the labor and multiply itself, so you can reap the benefits of it later. Investment king Warren buffet says, “investments the processes of laying out money now and enjoying its benefits later.”

Investing in stocks is not expensive. Even at $1000, you can buy stocks. All you need is the right guide to investment. In this blog post, we will share the secrets of success and explain how to invest money in stocks.  

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By: Admin / TextrOnline

Should You Have A Credit Card?

People are no longer carry cash with them; instead, they carry credit cards. They are sleek, safe, and accepted for making payments just about anywhere. Aside from being a convenient payment solution when shopping and entertaining, credit cards also offer perks, rewards, travel miles, and cashback after spending a certain amount and earning a certain number of points.
Many people buy credit cards to have a robust credit history, which helps in applying for loans and making a concrete FICO report. Some people choose to keep a particular credit card with travel-related rewards because they are frequent travelers seeking free miles and savings.

Whatever the case, everyone is into the concept of plastic money these days. However, is it the right time to have what some consider a trigger for unnecessary shopping sprees? In this blog post, we will explain why you should own a credit card and its benefits. 

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