Manage Your Finance with Top iPhone Personal Finance Apps

Our financial activities and decisions affect our present and future financial health. Our financial activities include spending, budgeting, investing, saving, retirement planning etc. and until recent times, these could be pretty tedious and at times quite challenging tasks. However, today’s smart mobile apps help in making these chores a lot easier and definitely great fun. Here are some of the top finance apps for iPhone that keep track of your financial activities and guide you every step of the way. Now you have absolutely no excuse for not being aware of where your precious money is going.

Everyone wishes to manage their personal finances well, iPhone finance apps are really convenient and secure for getting started or staying serious whether it is about working toward enhancing your credit score or reminding you to pay your bills. There are a host of iPhone finance apps in the App Store. They are effective in meeting your specific requirements irrespective of your financial objectives and goals. Here are a few iPhone apps you could try out for managing your personal finances well.

BillGuard

BillGuard is best for tracking your credit cards and monitoring all activity relating to them in one place. It also, boasts of a built-in passbook support for viewing where all of your accounts actually stand at one glance. This is supposed to be a crowd sourced data so it remains updated at all times. Clear transactions are obviously safe. Flag ones are not authorized by you. BillGuard has the capability of contacting the merchant very much on your behalf. Besides monitoring your current finances, BillGuard is able to demonstrate where exactly your money seems to go and where precisely, you could think about saving.

MyFICO

MyFICO is the best app for keeping strict vigilance and control over your credit score and credit report. MyFICO happens to be an effective Subscription Credit Monitoring Services that keeps you abreast with your latest credit scores and report. You would be notified regarding each and every modification in your credit score. With just a simple tap, you would be able to see your present credit score. You have the option of using a password to stop any unauthorized intervention. No unauthorized personnel could have access to your credit details.

BUDGT

No one desires to be on a budget, but sometimes, one needs to go on a budgeting mission to save some money. BUDGT is supposed to be the most hassle-free budgeting app. The app is incredibly simple and easy to use and it has a fabulous interface, which really makes sense. You simply need to budget for various categories and then go on tracking expenses as and when you incur them. BUDGT would be taking care of everything else. The app tells you accurately, at just one glance, those areas where you require scaling back, also, the categories you are doing well.

Check

Check is a fantastic tool for managing bills, as it makes sure that everything is actually paid on time. Check was formerly called PageOnce. At just a quick glance, you would be reminded about the bills that would be due soon. The app can also, remind you of the due dates that are approaching through push notifications.

If you opt for it, Check could also, pay your bills very much on your behalf. Check is known to have numerous other attributes and features. It is capable of managing and monitoring as little or as much as you desire. If you are bad at keeping track of due dates and wish to avoid unnecessary late fees, you must have Check on your iPhone.

Author Bio: Josh Ferdinand is a financial analyst and a columnist. He enjoys blogging and loves to visit sites such as http://www.leasequit.com/ to know interesting details about leasing and its financial repercussions.

Smart Strategies for Successful Landscape Design

With The traditional method, the landscape design activities took place with detailed drawings of the positions of flower beds or shrubs. But there remains a lack of cohesion in this particular method. Sometimes the haphazardly placed plants can become liabilities within the designs. Here are some essential tips that can minimize your headaches of the landscape designs:

Accessible Equipments: You must be sure of the accessibility of the equipments for the long term. Anticipation is also required for future projects of building, stump grinders, patio, mowers or porches. Your building may require repair or expansion and some huge machines may enter your backyard. It is advisable to plan in advance so that you are not required to tear out some of your valuable creations.

Symmetry Can Be Difficult: Maintaining symmetry can be very difficult as well as expensive. When you are creating a formal landscape with two evergreen trees at two corners, and one dies, then it can be very tough in finding a replacement with the same size. In this case, you are required to replace both of them, which can be very expensive in nature.

Maintain Focal Points:  Maintaining focal points can be much easier than the symmetry. The focal points must be chosen in such a way that it is different from the rest of the features in your garden. This helps in standing out and helps you to connect with the rest of your landscape. With a proper pacing and scale, the connection can be done with repeated color or shape.

Control Curves:  Try to keep curves under check. You can definitely add curves in your garden, but overdoing it will surely spoil the look. A long curved path can make you feel lost from your destination. Subtle curves are considered to be the best for landscape designs. For more information about the strategies, you can consult experts from king landscape co. They will surely guide you so that you can create the ideal landscape design for your garden. When you are including the curves in the walkways or in the beds, make sure you are repeating them in the third dimension with the same shape of plants.

Accent Your House:  Your house can display its magnificent architecture and can complement the landscape design of your garden. Make sure that the architectural designs do not get hidden by overgrown shrubbery.

Movement Adds Life:  If you want to add life in your landscape design, you must add some movement. Without the movement, the designs can just be worthy of a nice painting which can be hanged on the wall. Grasses can move during the natural breeze or flowers can be added to attract butterflies and hummingbirds.

Never Take Things for Granted:  When you stay in a particular space, you tend to adjust with some obstructions which can surely be changed. If you observe some overgrown shrubbery, worn out deck or established trees and find difficulty in designing around them, remove them for your convenience. This may provide you with new opportunities for a rose bed, a vegetable garden or a sunny spot.

Right Plant at Right Spot: Whenever you visit a nursery, keep this principle in your mind. This will prevent you from unnecessary expenses on seeds and shrubs. You must not overcrowd your garden with plants. Proper air circulation and spacing also prevents insects and fungus problem.

You are not required to possess a five figure budget for obtaining an exceptional landscape design. You just need to place your plants at the right place thoughtfully; either it is a weekend trip to nursery or a two month multiphase project. The final outcome can definitely make you happy if you can participate in the activities passionately.

Author Bio:  James Stuart is a renowned landscape designer who works at the king landscape co. In this article, he is providing some valuable strategies to the enthusiastic landscape designers.

Reasons Why you Should use Social Media and Instagram

Various social media sites rank in popularity with millions of active users. They give people the chance to express themselves and reach more people than ever before. Previously, well-known personalities and businesses relied on the media for exposure. Thanks to social media, everyone one can now talk about what they do, share ideas and give their opinions online.

Social Connections

Social media enables people to remain connected and continually engage with family members, friends and colleagues as well as other people who share similar interests. Social sites provide an effective way to create identities, share professional accomplishments and innovations.

Along with networking with people that you already know such as family and friends, social media allows you to make new connections in the virtual world. A social networking site gives you access to people who share the same passions and interests with. It is a useful alternative to face-to-face communication.

Quick Access to Information

Social media platforms such as Facebook, Twitter and Instagram enable you to stay informed about businesses, current events and the latest news fast and conveniently. Since it is not possible to catch up with everyone on a regular basis, you can find out what you need to know within a short period of time by simply logging in to your favorite social site. Read about Instagram followers here.

Even for users who are not considered to be active on social media, being signed up compels you to log in as often as you can. This is because people usually want to be aware of what is going on around them. To avoid missing out on important announcements or opportunities, social media is a useful inclusion in your life. Social media options, including Instagram, are important for being connected and updated.

Free and Easy to Use

Popular social media platforms do not subject you to charges. People are given an affordable way to communicate about different aspects of their personal, social and professional lives. These platforms continue to be popular and more social networking sites are still being developed. Technology has played a crucial role in making it easier for people to interact with each other without physical presence.

If you are not already taking advantage of Instagram and other social media platforms, you need to reconsider. Social sites have been simplified for ease of use and are conveniently used through mobile devices. Some networking sites are regarded as more personal than others. You can choose social media platforms that will help you fulfill your personal, social or professional goals.

Content

Social networking sites consist of people who are willing to connect with personal and business brands on various levels. Content creation is a vital part of social interaction as it enables you to share your stories. Regardless of what you do or the industry that you are involved in, you can use social medial platforms to reach an audience and share different types of information.

Conclusion

Many people continue to utilize social media to share stories, ideas, plans and prospects. Whether you are on a social media platform or want to sign up, it is important to be aware of how these platforms will make it easier to reach and engage your target audience.

Bio

Fred James has been a content creator for various sites and is currently in the process of setting up a new business. When not busy creating content, he enjoys traveling with his wife and three children. Find out more about Instagram followers here.

 

Finding The Best Dedicated Server Hosting For Your Business

Online businesses are actively looking for hosting companies that can provide them the best dedicated server hosting for their businesses. These companies deal with these services heavily and they rely on their impeccable delivery, compliance, and 24/7 support especially on the most important events in their business. The dedicated server hosting will afford any customer a cost efficient service while taking into consideration all of their requirements and business needs.

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Before You Look For The Best Dedicated Server Hosting

Prior to commencing the search for the best dedicated server hosting companies, the customer has to establish the kind of dedicated servers and the capacity that they require. Customers have to choose between unmanaged and managed dedicated server hosting depending on their business preferences and requirements.

In order for them to make the right decision, they must first of all ascertain the essential elements for each. First and foremost, they must know that while an unmanaged services will require the take care of all the operations and maintenance of the system, the managed dedicated hosting service will be taken care by the hosting company where they will be responsible for all the operations, support, upgrades and all works surrounding the system. But, the only downside to this is that it will cost a bit higher compared the unmanaged ones.

How To Choose The Right Option

Once you have made a final decision on the best dedicated server hosting provider, you have to figure out various aspects about exactly what these companies have to offer. Things that they may look into include the speeds and reliability of their service. Of course, the best dedicated server hosting best provider should offer a high level of uptime and provide a guarantee of keeping the servers up all the time. This is very important as it will ensure that the online operations of the company are effective and the client’s customers and visitors to the website are able to access it without any problems. Bandwidth offering must also be scrutinized as this is very important, especially for online businesses with significant amount of online operations.

The best dedicated server hosting must offer your business support even after sales. It is critical that you choose a hosting service provider that is able to supply you with 24/7 support, 365 days. Those that opted for a managed service is guaranteed to receive technical support round the clock and clients can easily get in touch of their customer personnel at any time of the day. But, those who have chosen unmanaged option will find it challenging to enjoy technical support as it is not technically included in the service as companies offer this option at a much inexpensive rates.

Aside from this, customers must look into the price of the dedicated server hosting offered by http://servers.com/. This must be carefully assesses and contrasted as against the quality, features, and offerings of the service provider. It is because no customer will be willing to shed a lot of money for a service and features that has a lot of problems and downtimes. The overall finances of the company and the availability of technical staff to handle the rest of the work will be their guide in choosing the right package for their business.

 

 

How to use your Online Wallet to make a monthly budget

Today, the internet has a role to play in almost every individual’s life. From having our personal information online, to now even our professional lives, it has become the norm for one to get used to the ways of the internet. With such immense potential, the next thing big thing is the availability to pay most if not all of your bills online. So, the next time you need to pay the bill for yourMTSMblaze, remember that you have the option of doing so with an online wallet.

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What is an online wallet?

An online wallet is exactly what it sounds like – a wallet that can be used on the internet. By saving part of your money in an online account, you will not be required to physically handle any cash transfers. This is extremely useful for those who travel a lot and require aninternet recharge at various points of time where there may not be a store close by. By using an online wallet, they will be able to recharge their devices and their phones by simply being online.

How to sign up for one?

To sign up for an online wallet is very simple. Get on to a reliable site/app such as Mobikwik that can act as an online wallet via even your mobile phone. Through the app, you will be able to pay off most bills and even shop a little online. The online wallet signs you up by asking a few details about yourself and your bank. Once you are on the site, all you need to do is select the type of online recharge that you want to do and it will take care of the rest for you.

Is it safe? How do I set aside money for this?

The process is very safe as these sites are secured with some algorithms and firewalls that will prevent anybody from stealing your money. Further, using an online wallet is also easy as you just need to keep a budget aside for entities such as phone recharge, online internet recharge. You can also browse through various Airtel recharge plansor other similar offers before setting yourself up to pay through the online wallet.

Overall, the function of the online wallet is very simple and effective. It makes paying your bills very comfortable and it is the future of banking, so better start getting digital now!

How Businesses Can Gain Strategic Advantage by Leasing Equipment

A majority of American businesses today are using lease financing. Most corporate finance executives have already displayed their familiarity with lease financing as around 50 percent of all new equipment purchases are done through this route. With the economy on the rebound, many companies are finding out that there may not be sufficient cash to fund outright equipment purchase and hence the need to consider financing options. Given the huge state of flux in the economic environment it cannot be assumed that the people who matter know about how to make strategic use of financing equipment to enhance capital productivity and financial performance. To enable a superior level of performance by the business, it is necessary to more fully comprehend the finer points of lease finance and options, including management of assets, taxation, asset maintenance, insurance, etc.

What We Can Learn From the Equipment Leasing Industry

For more than four decades the leasing industry has been attempting to ensure the maximum business productivity by employing strategies and managing assets. Valuable lessons can be learnt from them by companies undertaking a large amount of equipment leasing to establish how assets can be managed better. Asset management essentially means planning, acquiring, managing, and recycling assets in a manner that is systematic and should be employed throughout the lifecycle of the asset starting from its delivery to its final disposition. While most companies at the moment do not have formal programs for asset management, the tangible benefits are expected to encourage large and medium-size businesses to adopt such programs and the leasing companies will be increasingly asked to assist them to shorten their learning curve by sharing their experiences.

Financial Objectives First

A careful evaluation of the financial goals is perhaps the foremost objective of an asset management program. The goals could be cash flow improvement or achieving a specified return on assets. It is also important to establish guidelines for equipment acquisition based on the need for equipment besides financial objectives. These goals, while being different for every business, should be taken into account for performance evaluation of the business unit or division

Apart from the basic cost of the equipment, businesses should also take into account how much it costs to operate, maintain and insure it. This sort of analysis is especially helpful for equipment that is used heavily to make decisions regarding cost-effectiveness to ensure that you can avoid investments that are financially unsound. Further, determination of the amount of growth in the next one to three years would enable you to decide on a proper mix of acquisition methods that can vary between leasing, renting, and outright ownership. Since the growth rate of most businesses constantly vary it can be extremely important to have the flexibility of changing the asset mix as well as the ability to get rid of equipment that is no longer required during slower times. The extent of flexibility required by a business needs to be established so that it can make a sound decision for purchasing assets with cash or through finance.

Factors Impacting Meaningful Asset Acquisition

Lease finance permits businesses to make use of the equipment for a pre-determined period. Since the needs of the business tend to fluctuate it is important for business owners to decide the kind of equipment required and its quantity. The duty cycles as well as the probability of equipment obsolescence should also be determined so that a meaningful guideline for acquisitions in the future can be established. It is vital that the period of the use of the equipment is determined so businesses can finance the asset for the same duration. This means that the equipment will not bleed cash by lying idle or with a decline in its productivity. A plan for timely disposal of the asset also needs to be set in place.

Author bio: Sandra Lee is a senior manager in an oil exploration company looking after acquisition of pipe laying equipment. A prolific writer in the online media, many of her articles on strategic finance can be read on http://leasequit.com/.

UK new car registrations at all-time high in 2015, figures to show

Mini plant in Cowley, Oxford

Some 2.63 million new vehicles were registered in 2015, up about 6% on 2014 and the fourth consecutive year of growth, the Society of Motor Manufacturers and Traders (SMMT) said.

Stronger consumer confidence, special deals and cheap finance drove sales.

Registrations in December are thought to have been the best December figures on record.

It is thought that some 180,000 new cars were registered last month,

The previous record for sales in Britain was set in 2003 when 2.58 million new cars were sold.

Car registrations in the UK, Europe’s second-biggest auto market after Germany, fell sharply after the 2007-8 financial crisis but have gradually recovered, returning in 2014 to pre-crisis levels at 2.48 million.

Consumers have benefited from low interest rates and the strengthening of sterling against the euro which has made it cheaper to import cars from countries such as Germany and France.

The expected new record high for registrations comes despite declines in sales for Volkswagen, which accounts for around 20% of British car sales. Sales of some of its brands fell sharply in October and November following the diesel emissions scandal.

Despite this VW saw full-year sales rise 4% across all its brands last year.


Analysis: John Moylan, BBC industry correspondent:

A big factor fuelling sales is the availability and cost of finance on forecourts. The SMMT says that 80% of cars are bought with some form of finance and around 60% are purchased using PCP’s.

These Personal Contract Purchase plans mean customers can buy a new car for an affordable monthly payment in the same way that you might purchase a new mobile phone.

As PCP’s work on a 3 yr buying cycle, that keeps demand for new cars strong.

Before the downturn car sales averaged around 2.3m a year. The industry doesn’t know what the new norm for sales will be. But the Chairman of Ford of Britain has told the BBC that overall car sales could hit 2.8m this year.


However, sales of its Skoda brand ended the year down 1% and Seat finished 11% lower after a nearly 50% drop in sales in December.

The best selling car, for the seventh year running, was the Ford Fiesta.

More than 85% of Ford’s showroom sales are on finance plans known as PCPs – where customers in effect lease a car – and which are widely credited with having boosted vehicle sales across the industry in recent years.

UK house prices rose 9.5% in 2015

Cottage on Scottish mountainside

In the last month, prices went up by 1.7%, said the Halifax, bringing the average price of a home to £208,286.

However, other lenders, such as the Nationwide measure, put the rate of increase much lower.

Last month, it said prices rose by 4.5% in 2015, less than half the Halifax estimate.

Halifax’s housing economist, Martin Ellis, said one reason for the sharp increase was the continuing shortage of property for sale.

“This situation is unlikely to change significantly in the short term, resulting in continuing upward pressure on prices,” he said.

The last time UK house prices rose so quickly was in 2006, when values soared by 9.9%.

House price graph

The 9.5% increase in 2015 was way ahead of experts’ predictions a year ago.

Martin Ellis himself predicted that prices would rise by between 3% and 5%, while most expected a figure around 4%.

Newham, in East London, was the town with the largest increase in 2015. Prices there rose by 22% in 2015, compared to 12% for London as a whole.

The different methodology of the most popular house price measures is explainedhere.

House price calculatorHouse price calculator

MPs summon FCA chiefs over dropping bank inquiry

Canary Wharf skyline

FCA chairman John Griffith-Jones and acting chief executive Tracey McDermott have been asked to appear before the Treasury Select Committee.

Andrew Tyrie, the committee’s chairman, told the BBC that the city watchdog’s decision to halt the inquiry was “odd”.

The FCA said it would now work with individual banks on improving conduct.

The report into the culture that drives behaviour in the banking industry was billed as an important piece of work, and was presented as part of its annual business plan.

When it shelved the inquiry last month, the FCA said it remained committed to helping improve culture and behaviour, but wanted to work individually, directly and privately with the banks.

Mr Tyrie told the BBC that it was important that banks and regulators were held to account for their supervision of an industry which took billions of taxpayers money during the financial crisis and had been found guilty of a string of misconduct scandals.

End of bank-bashing?

The decision to drop the inquiry was just one of a series of decisions many observers perceived as banker-friendly, and have led to accusations the city regulator is going soft.

In addition to the shelved culture report, the FCA decided to take no further action against HSBC after allegations it helped customers of its Swiss subsidiary avoid tax.

A report into incentive structures for financial product sales staff has also been abandoned.

The FCA has been without a permanent chief executive since Martin Wheatley, a robust critic of the banks, left last summer.

UK Chancellor George Osborne decided not to renew his contract and no replacement has yet been named, leaving Ms McDermott, former head of enforcement at the FCA, holding the fort.

There is no suggestion that the Treasury is issuing instructions to the FCA, and the watchdog strenuously denies they are going soft on the banks. The FCA points to nearly a £1bn worth of fines levied in the last five years.

But critics, such as Shadow Chancellor John McDonnell, suggest that it appears that time has been called on the era of banker-bashing.

They say it may be no coincidence that the FCA’s decisions come as HSBC considers moving its global headquarters out of London and that the government needs favourable conditions to sell its enormous stake in Royal Bank of Scotland.