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Did you know that saving money is as easy as installing applications on your phone? New apps help you save money on the go and stay more conscious of your spending and saving activity. Take a look at some of the most popular mobile apps for cost-cutting that will help you stay on budget! Shopkick Shopkick gives you rewards points for buying particular items or simply for walking into stores like American Eagle and Macy’s. Cash those rewards points in for gift cards you can use towards purchases. This application is as simple as turning...

With smartphones and social media, everyone is an amateur photographer. But for those that want to stand out among the photo-taking throngs, ditch the desktop and consider these advanced editing apps to get creative, share an experience, and get some recognition for your stellar skills at your fingertips spot. 1. Adobe Photoshop Touch-For Photoshop Loyalists and Pros Photo Credit: Flickr/See-ming Lee Adobe Photoshop Touch takes the professionally minded Adobe Photoshop desktop system and translates it to the small touch-screen of phones...

It goes without saying: maintaining a good credit rating is essential to obtaining mortgages or loans in the future. Most people understand what can affect their credit rating: missed payments, bankruptcy, and so on. However, there are a number of unexpected factors that can affect your credit score that; hitherto, you may have been unaware of. Closing a credit card account Closing a credit card account can have a major effect on your credit score. While you might think that it’s a good idea to get rid of accounts that you no longer...

With more companies embracing a lean startup approach to increase employee productivity and creativity while decreasing discontent and complicacy, you may notice some changes at the office. You’re probably seeing new polices that allow employees to use their own devices for business and work remotely more often. For most employees these changes are great news! However, as a member of the IT team, the introduction of every new policy seems like another nail in the coffin of the company’s network security. Regardless of whether you’re...

Money Management is a MUST during this trying/difficult economic times and every individual or business enterprise should always go for cost effective measures to manage cash position. A business owner or individual should spend their money on interest bearing things or items and should identify NEEDS and WANTS.  Spending beyond our earning or sales capacity and uptick in prices of goods, raw materials & gasoline could cause business bankruptcy or emotional stress. On a personal point of view, everyone should understand their buying...

Whoever said never put all your eggs in one basket definitely owns a lot of eggs. Ideally, all money should not be placed solely in the bank or in real estate or stocks and even in jewelry. As much as possible, money should be placed in different forms of investment to avoid significant loss. As a result, more and more people are investing in jewelry, particularly diamonds, because of its accessibility and value. According to Shirley Bassey, diamonds are forever. Marilyn Monroe also said diamonds are girl’s best friend. Even Rihanna...

It’s true that life sometimes doesn’t pan out like you thought it may. It’s only human nature that people grow and develop, learning that they had passions for things they never thought they once had. This may lead people to investigate the possibility of further education at a later stage in life; either training in a completely new subject or honing their skills in a specific field. However, further education is not the cheapest of lifestyle choices; degrees usually costing anywhere from 20K-50K. However, if your heart is set...

Technology helps us in a variety of ways during our daily lives. Whether it is finding entertainment with a bevy of options for games, keeping up with friends on social media, or reading up on old news or books, you can always find something to do on your smartphone or tablet device with apps. That said, it should come as no surprise that there are also plenty of apps out there that will help you find your next job in an economy that is still struggling to provide positions for people. If you utilize the technology available to find these...

Skype interviews have become a common part of the hiring process. A job interview via video chat saves businesses both time and money. Even though you can land a job without a firm handshake or tour of the headquarters, you still need to arrive at your computer prepared. A first impression is as important via Skype as it is in-person. Follow these tips and you’ll be that much more prepared to impress over video. Prepare beforehand Prepare for a Skype interview like you would an in-person interview. Research the company, know the ins...

Whether obtaining a home purchase loan or a traditional refinance, there are fees that must be paid for this service. These fees, which represent various services that are a part of putting the loan together, generally fall into different categories. Basically, understanding third party fees in a mortgage will also give a clearer picture of the amount of work that must be performed in order to reach a mortgage approval. Below are 8 common third party fees that are charged to mortgage borrowers: 1. Appraisal Fee The appraisal fee is the...