At Everyday Money, we make it our goal to locate ways you can save money. That might mean offering you specific money saving advice and direction with investment. Or, it might mean pointing you in the direction of the best money saving apps on the market.
If you are struggling with how to get help in Windows 10, these apps are probably not going to help you. But, we can advise some relatively free methods for help in that arena too. You can always contact Windows support via online chat, or schedule a call back appointment with them. Or, if you would like to try to figure things out on your own, there’s always the F1 key that will lead you to help options. So, while you are discovering how best to utilize Windows 10, you might also want to peruse these great apps for other money saving potential.
6 Money Saving Apps for Your Consideration
Money is tight for most people these days. So, learning methods in which to save, little by little, is probably a good first step. We understand that you might not be able to pack away hundreds in your nest egg each month. But, we can at least point you toward 6 money saving apps for your consideration when you are ready to make that jump. Take a look at these options:
Azimo- Those living in the UK will be able to transfer money to people in a variety of different countries with the assistance of this app. It is available on Android and iPhone. The beauty of this app, is that you can save money on transfer fees.
WhatsApp- This is a far more versatile app as it functions on iPhone, Android, Blackberry, Windows, and Nokia. It’s free for the first year and is very popular with those under 25. It lets you text people without paying for it because it uses Wi-Fi. Learn more.
RedLaser- Owned by eBay, this app will let you scan barcodes and compare prices with online and brick and mortar retailers. You’ll be able to read the reviews of the products as well. It’s a pretty nifty app that is free for use. iPhone, Android and Windows phone users can benefit from its services.
Loyalli- If you are like most of us, you have a number of loyalty cards floating around in your wallet or even their tags hanging from your key chain. Well, that inconvenience just got rectified by this app which allows you to input all your loyalty information into one app. There are at least 600 retailers using this app. Read this.
MyVoucherCodes- If you want to have access to the best coupons in your area, this is the app for you. It utilizes your GPS to ascertain your location and which deals are currently available for you. It’s free and available on Android and iPhone.
Trivago- Let them do the work for you when it comes to searching out the best hotel deals. This app will compare
Starting up a business is always difficult for various reasons, and the financing is one of them. You may or may not have the cash to bring your dream company to life. However, you need to know why you should take precautions to save up as much as you can in order to self-finance your business, even if you decide to take a loan to cover the remaining startup costs. There are many ways in which you can self-finance, however, this article will only focus on one of the many ways, which is to use your valuables for that purpose.
Why should you self-finance?
If you thought that you would be able to finance your company solely by borrowing money from the cash or any financial lending institutions, well, think again. Although you can get money from places as such, there is a very good possibility that you might not get the money from them. They don’t easily give loans for the startup of new businesses, as it is a risky investment. That said, if you can’t even contribute even a fraction of your own money for your start up, why should they?
Think about it, no matter which financial institution you go to, they will ask you about how much money you will be willing to invest in your own business, and if you don’t invest enough or at all, then they won’t either. Why should they invest in your business idea when you yourself don’t have enough faith in it? See, so even if you plan on taking a loan, you can’t expect financial institutions to pay for the whole thing. You still need to invest some from yourself before they can, and you need to let them know that you have enough faith in your business.
Using valuables to self-finance
As mentioned earlier, you need to put in a little money from your behalf, even if you plan on taking a loan. This is precisely the reason why you need to save up as much as you possibly can for this. However, if that isn’t possible or not enough, then see how much money you have in terms of valuables and assets. You’ll be surprised, as chances are, you may have more money that you think you do.
You might have rolex watches that have been passed down through generations, for example, or you may have gold bullions or precious gems and jewelry that you’ll be able to use. No matter what it may be, if you have something precious that you will be able to use to finance your business, then do not hesitate to do so. You need to have enough confidence in your abilities as an entrepreneur if you want your business to succeed, as otherwise, what is the point of you starting up a business at all?
There are many other ways of financing a business as well, and if you want to learn more, read
Generally, the due for tax returns in Australia is scheduled every October 31st for the year that ends on June 30th within the same calendar year. This means that the financial year would run from July 1st until June 30th. This is not the same like what the US has of which the fiscal year is from October 1st until September 30th. Of course, the due date extensions are also given. This is particularly intended for those whose tax return is submitted through a tax agent. The tax returns can be submitted through post or electronic method with the help of the software known as ATO e-Tax.
The taxation system of Australia can be considered quite complicated. This is a thought that is supported by the reality that around 80% of Australian hires a tax agent so as to get assistance for tax return preparation. Read http://ezinearticles.com/?Your-Tax-Return---How-the-Tax-Return-Process-Works&id=1940136
The businesses in Australia are also required to settle their taxes of all levels. This includes taxes if local, state and federal level. These are taxes to cover for the public service delivery like road maintenance and for hospital system.
The tax law in the country has stringent requirements in terms of tax returns. Returns should be submitted by the business structure and its operating conditions.
Australian Federal Government imposed the income tax. It is consistent across the states. Before WW2, it was the state government who imposed income tax. This serves as the most essential tax that gives the greatest contribution to the revenue of the public.
A company needs to lodge their tax return. The company’s income tax is no t the same as the personal income tax of each person. In the return, it will show information about the net income of the company. This is the amount of the income minus the allowed deductions.
The Trust needs to lodge tax return of trust to specify the income. The expenses and deductions are not included. The trust beneficiaries should report any sort of benefit or income acquired from the trust. This would include the income of the wages, rental income and dividends as well.
The partnership should submit partnership tax return. This would include the net income acquired that can be computed through the subtraction of the deductions and expenses from the gross amount of income. Aside from that, each partner needs to report their share of the partnership income, wage, dividends and rental income as well. This will be on their individual tax return filed.
The sole traders are those who operate their business in the owner’s name. Their income that is taxable or loss should be reported in their own return. Also, they need to file for other form of income like any wages, rental income, and dividends less the allowed deductions that will be claimed against these figures.
The partnership and sole trader tax returns are both needed to promote the income as individual and not as a corporate entity. The individual taxes are computed on a progressive scale and not similar to the
Times are changing with postal services around the world thanks to people's reliance on smart phones and email.
New Zealand recently agreed to cut its mail delivery to three days a week in urban areas and five days a week in rural areas, since they're more reliant on mail, by 2015. Normally, mail is delivered six days a week.
The New Zealand Post fought for the change since it currently barely breaks even. If the normal delivery schedule continue, the service would be put it in the red, according to the Telegraph.
During the last 10 years, the amount of mail sent has dropped by a quarter and it's expected to continue rapidly dropping. The nation continues to lose another eight per cent each year, the communications minister told the Telegraph.
Anyone looking for daily mail deliveries can sign up for a premium courier-type service, but it will be interesting to see how businesses and newspapers adjust to this change.
Meanwhile, Canada Post looks like it is in a boat that is steadily sinking. The Crown Corporation saw a $104-million loss in Q2 of this year and it expects a huge loss in 2013. As if that was not enough, they are expected to face a yearly loss of $1 billion by 2020, according to a report produced by the Conference Board of Canada.
It's important to point out that its letter delivery dropped by 51 million pieces since Q2 of 2012, while parcel packages have grown thanks to more online shopping. Unfortunately, the letters, otherwise known as transaction mail, which includes bills and statements, account for 50 percent of the company's revenue. Tough times are ahead, especially with companies pushing paperless billing.
At least there is some hope for Canada Post's parcel delivery. Canada Post recently announced a partnership with Walmart, Best Buy and Indigo to try same-day delivery. Anyone who orders items by midday can expect to receive it in the evening. A pilot program is being tested in Toronto.
Some of the cost-cutting options floated around include getting rid of door-to-door delivery mail in urban areas, which is available to one-third of Canadians, which could cut the bleeding by about half, the Conference Board told the CBC. Canada Post is also looking into consolidating mail processing, implementing new technology for sorting and shortening hours at slower retail locations.
While residential owners might not mind a shift in the number of deliveries a week, apparently it will be a bigger issue for small business owners who are more reliant on the regular postal service.
But let's face it, drops in mail service are being felt around the world. The U.S. Postal Service planned to cut Saturday mail service, but it faced resistance, while Britain recently privatized its mail service, Royal Mail. Who knows if other countries' mail services will follow New Zealand's route.
Would you mindless frequent mail
One of the biggest challenges for business leaders these days is to stay engaged and closely attuned to what's going on outside their immediate circle. It's human instinct, after all, to turn inward during times of trouble and to focus on the urgent matters at hand.
The perils of succumbing to that, however, are splashed all over the front page: chartered banks, which have no shortage of their own concerns, are coming under fire for being self-absorbed. Given the potentially steep cost of grassroots backlash against them, it might be a good idea for the bank chairs to listen up.
First, no one less than the Governor of the Bank of Canada, Mark Carney, is exhorting the chartered banks to help re-float the faltering domestic economy by lending to credit-worthy businesses and individuals at the new, lower rates - instead of hoarding capital as a cushion against bad loans.
The Premier of Ontario, Dalton McGuinty, is also scolding the Big Banks for their call for a provincial corporate tax cut from 14 per cent to 10 per cent. He wasn't too impressed with their suggestion that if a cut isn't forthcoming in 2009, there will be job cuts in the Ontario-centric financial services sector.
Taking a careful reading of the general mood - particularly on the political front - it might be a good time to cultivate an image as part of the solution. Not a new source of
Time was we could all afford to yawn or change the topic when we heard such news as the federal finance minister is meeting with his provincial counterparts in Saskatoon.
The economy being what it is, however, we no longer have the luxury of plugging our ears and humming: these are pre-budget consultations which have a direct and immediate bearing on our respective bottom lines - not to mention the political and economic consequences that hang in the balance.
The provinces are in dire need and are pushing for the federal government - which most of them were actively dissing up until a couple of months ago - to push forward with big-ticket infrastructure projects to kickstart the economy. That's supposed to be the golden bullet that will create jobs and, of course, get tax revenues rolling into government coffers once again. The catch is that many of these projects were supposed to be public-private sector partnerships (known as Three Ps in certain circles) and the private money isn't really there anymore.
On the political front, if Finance Minister Jim Flaherty doesn't get it right, the Opposition will defeat his January budget and send us all back into political purgatory - wasting even more time at such a critical juncture.
So stay tuned: who knew Saskatoon could be such a hot spot in
Trust the Aussies to set a precedent as new adaptors: an Australian court has ruled that it is acceptable to use social media - specifically, in this case, Facebook - to serve legal notice.
This is a move that's going to be tracked in quite a few jurisdictions because to date, there's been considerable ambivalence about how to treat this newfangled technology. Many companies and most levels of government in Canada have prohibited or strictly limited access in the workplace. The underlying belief is that employees will spend all day poking each other instead of working and productivity will suffer.
That conviction, however, can come at a cost. Social media are an important way to keep in touch with what others are saying, doing, thinking. It's an important if non-traditional, window into emerging trends and the collective unconscious.
And, as they've discovered in Australia, it's a highly efficient to reach out and super poke someone who isn't necessarily eager to be found by creditors or other authorities. Which is just the beginning of an inevitable attitudinal