The Best Deals for the Mobile Tech You Need

When you need tech that you can take anywhere you go, it’s hard to beat the power of mobile devices. Phones, phablets and tablets — they all keep you connected, productive, entertained and always ready to take the perfect pic. But which is the best (and best-priced) device for your needs?

Nobody wants to carry more screens than they need or overpay for the convenience of handheld tech. So let’s take a look at the pros of different sized mobile devices and check out the best deal for each one to get the most bang for your tech buck.

Phones

We’re not talking about the old flip devices from 10 years ago. The current crop of smartphones have all the capabilities of a tablet but with handheld portability.

Unlike phablets, smartphones are small enough (under 5 inches) to make single hand use easy. Is your primary concern communication and information access like electronic payments, banking and quick picture-taking capability? 

Save space and get yourself a smartphone to be both productive and always in touch without stretching your pocket out of shape.

Check out this great deal at T-Mobile on the incredible iPhone 7. Just trade in a qualifying device, use the mail-in rebate and take advantage of the generous 24-month finance agreement to get this 4.7-inch pocket powerhouse for $300 off the regular price.

Phablets

Phablets are large-screen mobile phones (smaller than 7 inches). The Galaxy Note was the first entry in this category in 2011 with a 5.3-inch screen which was considered ridiculously large at the time. Now every major manufacturer from Samsung to Apple has its own version of this hugely popular device.




Phablets shine when you need internet access and entertainment that’s easy on the eyes while enjoying access to all the capabilities of a smartphone.

Do you have a long, boring commute on mass transit and want to watch your shows? Need to prepare presentations for office or school? A phablet is a fantastic compromise between the screen size of a tablet and something that doesn’t look silly when you’re making a call.

Do you need a phablet but don’t want to break the bank for a Google Pixel XL? Try the Galaxy A9.

With its enormous 6-inch Super AMOLED display and a long-lasting 4000 mAh battery, the Galaxy A9 usually costs about $450.00. But you can go straight to Sam Stores and find one for $330.00.

Tablets

Photo by William Iven on Unsplash

A tablet computer is best for people who need access to the full capabilities of a laptop while enjoying both extreme portability and access to the same awesome apps that they’re used to using on a smartphone. 

You can find tablets in screen sizes ranging from an almost pocket-sized 7 inches to full-sized 20-inch screens.

If you find yourself switching between a full-sized laptop and your phone during meetings, on trips or even at home, buying a tablet can make you more productive and simplify many otherwise awkward activities.

If you want to find a tablet at a moderate price point, take a look at the Lenovo Tab 10 with:

• A spacious 10.1-inch screen
• 1.30GHz Qualcomm Snapdragon 210 quad-core processor
• 16GB of storage memory
• Google Android 6.0 (Marshmallow) OS

All at a budget-saving $108.00 when you buy online here.

How Good Dental Health Can Save You Money in the Long Run

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Everyone is looking for a way to save money no matter how much they make or spend. The world is filled with people looking to make wise financial decisions, and many of them forget just how easy it is to save money in the future by making wise decisions today. 

One of those wise decisions involves seeing the dentist regularly. You might think it costs you money to see the dentist when you could just skip out on those appointments and save a copay, but you’re mistaken in thinking this. 

Seeing the dentist regularly actually saves you more in the long run. 

You Catch Problems Earlier

When you make it a habit to see your dental professional at least twice a year as recommended, you save a lot of money in the long run. The more often you see your dental professional, the more likely they are to find issues within your mouth before they have a chance to get worse. 

When your dentist is able to locate and identify dental issues inside of six months, you get a chance to have them cared for now for a lot less than they might cost later.

For example, if your dentist locates a cavity before it even has a chance to break through the tooth, they can get rid of it for a lot less money now than they can after it’s had time to get into the tooth and cause major damage. The longer dental issues sit without resolve the more expensive they become to fix. 

Cleanings Prevent Health Issues

Imagine how much money people spend when they spend weeks in the hospital following a heart attack, or how much money they spend on prescriptions when they’re diagnosed with heart disease or diabetes. Imagine the cost of fighting cancer. 

Photo by Jon Tyson on Unsplash

Every time you skip a trip to the dentist, you increase your risk of being diagnosed with one or more of these health issues. This means you might be the person spending hundreds of thousands of dollars on medical bills to fight a life-threatening disease if you forgo the dental office visits recommended.

According to River Region Dentistry, a Montgomery dental clinic, every time your teeth are cleaned your dentist makes it less likely that you will develop gum disease or periodontal disease. 

It’s a lot better to go to the dentist now and pay a small copay than it is to pay for major disease treatment later. Think of every visit as investment in your future.

You’re Educated

The more you visit your dentist, the more you learn. When you learn more about your oral health, you learn a lot more about your good health. It’s easy to care for your teeth when you have the help of someone who is familiar with dental health helping you along the way. 

Your dentist is going to help you find your weak spots, and he or she is going to provide you with tips and tricks that might make it easier for you to brush and floss and maintain better oral health.

Dental insurance is relatively affordable for many people, and it helps offset the cost of dental procedures. If you don’t want to see the dentist when you’re scheduled, just remember that you might really pay for that decision later. Your overall health is not worth the few dollars you might save now. 

Call the dentist to schedule an appointment. Your health depends on making this call, and so does the bottom line in your financial future. Good health and good financial decisions come with making the right decisions now. Don’t do what’s easy. Do what’s right.

Forex Trading: Ways to Supplement Your Retirement Income

“You can be young without money, but you can’t be old without it.” - Tennessee Williams

Many people dream of the day that they can retire and relax, spending time doing what they currently do not have the freedom to do. However; the challenge is to ensure that they have saved enough to retire on. The combination of living longer, as well as reduced savings, are forcing people to work longer or retire on less than they originally anticipated.

Peter Vanham in his article titled "Global Pension Timebomb: Funding Gap Set to Dwarf World GDP" notes that "the world’s six largest pension systems will have a joint shortfall of $224 trillion by 2050, imperiling the incomes of future generations and setting the industrialized world up for the biggest pension crisis in history."




Many solutions to this problem are being touted such as increasing the retirement age as well as providing people with 70% of their pre-retirement income. However, this goes against the Organization for Economic Co-operation and Development's (OECD) guidelines for providing people with a similar standard of living during retirement as before retirement.

Therefore, the question that begs is what do you do to supplement your retirement income? 

Supplementing your income through currency market trading

You might be financially stable, and you don’t need to earn extra money. However, you have a lot of time on your hands, and you enjoy a new challenge and thrive on the chance to learn a new skill. Therefore, why don’t you consider Forex or currency market trading? 

By way of backing up the validity of considering Forex trading as a viable retirement side hustle, let’s look at the psychological advantages of being a financially stable investor. As a financial advisor from Weiss Finance notes: “The easiest psychological situation for traders is when there is little or no pressure to make a profit immediately or regularly. 

This situation allows them to make decisions when they are not stressed; ergo, they do not rush trading decisions and take the time to research and investigate potential trades thoroughly.”

THE BASICS OF FOREX TRADING

The Forex market

Investing in the global foreign exchange market is slightly different to conventional stock market trading in that the world’s currency market is not housed in one brick and mortar building. It is a decentralized market, where financial centers in London, Paris, New York, Hong Kong, as well as Zurich are all electronically linked together. 

All aspects of currency trading such as buying, exchanging, and selling currencies at current or predetermined prices are conducted through this network of global financial centers.

Currency pairs

Currencies are also always traded in pairs. The world’s four major currency pairs being the US Dollar and the British Pound (USD/GBP), US Dollar and the Euro (USD/EUR), US Dollar and the Swiss Franc (USD/CHF), and finally the US Dollar and the Japanese Yen (USD/JPY).

Currencies are quoted in amounts up to four decimal places, and the value of both currencies in a currency pair is quoted in relation to each other. For example, the USD/GBP exchange rate is quoted as 1 USD = 0.7767 GBP. 

These figures mean that 1 USD will cost you 0.7767 GBP to buy. Conversely, if you have GBP to exchange for USD, you will receive $1.30 for every £1 that you have.

In conclusion

This is just a basic introduction to investing in foreign currencies. Apart from learning the technical aspects of monitoring currency pair movements, overall market movements, as well as learning to understand the impact that the global geopolitical events, as well as the corresponding socioeconomic conditions, can have on the world’s currencies, it is important to trade carefully and practice risk-aversion strategies. 

The older you get, the less you should risk losing your retirement savings. The caveat here is that all financial market trading has an element of risk attached to it. Without risk, there will never be any gains. 

Therefore, you cannot and should not avoid risk; however, you must mitigate your risk of losing large sums of money by trading cautiously, only risking small amounts on each trade, and by choosing an appropriate trading strategy based on the current global conditions.

4 Apps to Help You Manage Your Money

When it comes to handling money, it can be a struggle to remember to save a percentage of your paycheck every month, figure out how and where to invest your money, and budget how much money you spend on fast food and going out every month. The vast majority of American adults report that money is among their top three stressors.

However, technology can change that. While it might be difficult for you to sit down regularly and crunch numbers on a spreadsheet, apps have made it easy to make smart money management a part of everyday life. 

It’s just one way that an app outweighs a computer program when it comes to habit management and convenience. There are a few apps that can make budgeting, saving, and managing money a breeze. Here are a few of my favorites: 

Digit

This app helps you save money every single day. The first month is free, and then after that it’s $5 a month. You connect this app to your bank account, and then it uses an algorithm to figure out how much money you can afford to save that day. 

It takes into account all of your spending habits, and also the total amount you have in your bank account that day. Some days it may only save $0.20, and other days the savings may be closer to $20.

You can set your preferences within the app. For example, you can put a limit on how much it saves every day, and then also tell it to never save money if you have less than a certain amount in your bank account. 

Digit is an easy way to save money without even thinking about it. Before you know it, you’ll have a few thousand dollars saved away and you won’t have even noticed. This is perfect if you’ve been trying to save for an emergency fund, but haven’t been able to put very much away. 

Acorns

If you’re having a hard time figuring out how to invest your money, Acorns is the app for you. This app works in the same way as Digit where it makes the most of your spare change, or the leftover money that you won’t miss. 

You simply connect your credit or debit card to the app. Any time you make a purchase, it will round the purchase up to the next dollar and invest the leftover cents. It invests in over 7,000 different stocks, to reduce risk and make the most out of your spare change. 

Using Acorns means that you don’t have to spend time trying to figure out how the stock market works. You can just go to happy hour and grocery shopping like normal, and suddenly you’re investing. 

Mint

This app helps you budget your money. You connect it to your checking account, so you have a real time balance of how much money you have available to spend. After entering in the amount of your necessary bills and expenses every month, it will tell you how much you have left to budget out however you want. 

It also tracks your spending, so if you exceed your set budget one month, it will alert you. Mint helps you be more aware of your spending, because you can very clearly see how much you’re spending on fast food or travel every month. 

Prism

Prism helps you pay all of your bills! It tracks your payday and every single recurring bill that you have. You won’t have to check a dozen different websites to check the balance of your utility bill and credit cards, you can just open Prism on your phone and see everything laid out with the balance and the due dates. 

It can help you schedule when to pay them, so you’ll never have a late fee again. Not only will this app help you keep track of every single one of your bills, it also makes paying your bills a breeze. Your credit score will stay safe because you’ll never forget about a bill ever again.

5 Ways to Manage Your Finances During A Divorce

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Divorce is not only a devastating experience for families, but it can be a costly one as well. The average cost of divorce in the U.S. ranges from $15,000 to $20,000, and the majority goes to divorce lawyers’ fees. 

Apart from legal fees, there are also alimony payments, the division of assets, and possible taxes, and costs can go even higher. For your peace of mind and to get your life back on track, it’s important to find ways to manage your finances and pay the bills during a divorce.

Common financial issues of divorce

There are several financial issues that need to be resolved during a divorce. First is the division of property, and both you and your ex will have to come to an agreement over who gets which items. Another is the division of debt. 

Often, this issue is one of the most difficult things to resolve as couples can find it hard to determine who is responsible for certain debts incurred during the marriage. You’ll also need to agree on tax issues such as who gets to claim Head of Household status or who gets tax exemption for dependents once you’re divorced. 



Divorce itself can be emotionally stressful, but it’s imperative to take concrete steps to resolve these financial issues during this trying time. Here are 5 ways to manage your finances during a divorce.

Consult with a reputable divorce attorney

Consulting with an experienced divorce attorney can provide you with the financial guidance that you need during this challenging time. 

Even if you are in good terms with your soon-to-be ex, you will need a lawyer to help you avoid making typical financial mistakes during a divorce. Moreover, your lawyer can help you in case a financial dispute arises.

Create a new budget

You will need to figure out how much income you should make for you to live on your own. To do this, list down your expenses, utility bills, credit card bills, investments, tax records, family life insurance policies, and the like. 

Determine which items you and your ex can pay off during your divorce and pay your debts. You should also make sure that your ex pays the bills that he or she promises to pay.

Open your own personal credit card

During the divorce, Katherine Grier, PC advises that you close any joint accounts to avoid financial disputes and problems from coming up. This way, you and your ex can work on paying only the debts that you incurred during your marriage. After you close your joint accounts, you should open your own personal credit card or other lines of credit.

Monitor your credit score

During your divorce, it’s likely that your credit scores will drop as you close accounts and make other changes in your finances. Check if any mistakes were made by a creditor which contributed to your lower credit score or if there’s any debt on certain accounts that were incurred without your knowledge.

Be prepared to make a lifestyle change

Now that your income will be drastically different, it’s important to be prepared for a lifestyle change during your divorce. Keep in mind that divorce will bring in new expenses and you will no longer be sharing household overhead costs with another person. It’s also important to talk to your children about the lifestyle changes that may take place during this time.

Divorce is tough enough without having to worry about your finances, but it’s one of the major hurdles that you have to get through to get your life back on track. Remember to consult your lawyer, keep track of debts and expenses, and be ready to make a few lifestyle adjustments to manage your finances well during your divorce.

Freedom Debt Relief Has A Quick Guide to Stable Finances

Everyone wants to avoid financial stress, especially debt, but it’s so easy for things to get out of control. Between avoiding impulsive purchases, keeping up with bills, and covering surprise expenses, there’s a minefield of potential obstacles to staying on track.

But it needn’t be so hard. The key is to leverage the power of your daily and monthly habits. Over time, small adjustments to your daily spending habits will pay huge dividends. More than preventing yourself from going into debt, you’ll be able to leverage the power of savings.

Freedom Debt Relief deals with plenty of consumers and has seen what happens when things go wrong. To help you make sure things go right, we’ve put together this quick guide.

Budget Differently

You’ve been told to make a budget before, but have you been told how? The problem with most budgets is that they assume that you need to fit your income to your budget.

While, of course, you don’t want to spend more than you earn, you should make your budget based on your whole life, not just your income. Lay out your life goals. Life goals include long-term goals, like retirement savings and short-term goals, like your desired lifestyle. If you want to take a two-week vacation each year, budget for that too. 


By focusing on what you want first, you can decide whether you need to make more money or where you can cut back to make those goals happen. Above all, a budget should set out your priorities so you can see what’s worth spending money on and what you can cut out.

Be Responsible with Credit Cards

Some savings experts will tell you to avoid credit cards altogether. But credit cards are a useful tool. You just have to use them responsibly. Only use your credit cards to pay for things you can afford. 

There are few things worse for your long-term financial health than partial, late, or unpaid credit card payments.Partial payments result in a snowball of interest, while late and unpaid payments ruin your credit score. 

Research credit card offers extensively before you choose to use one. All the information about fees and costs is there. You might have to do some digging to find it, but there’s no excuse for being surprised by a credit card fee.

Change your Shopping Habits

Whether it’s transportation, entertainment or living expenses, you can find ways to save on almost everything. Shop for clothes at second-hand stores when possible. Use promotional offers for outings to movie theaters or restaurants. 

Enroll in loyalty programs to save on groceries and gas. Wait for desired items to go on sale, and only buy certain food when it’s in season.

It may seem like a pain, but once you get in the habit of finding savings on everyday items, it will become second nature. The best part is that all those little savings add up to allow you to save for retirement and plan fun vacations.

Create a System for Bill Payment

Kevin Gallegos, of Freedom Debt Relief, recommends setting up, “a system that works for you and that you’ll use consistently.” Seems pretty simple, right? Yet, so often consumers must pay an overdraft or late fee. Avoiding those sorts of easy-to-avoid expenses is another habit that pays dividends over time.

Find out what works for you. Gallegos says that it could be “automatic online payments, a spreadsheet, a cell phone reminder, or a list on the refrigerator.” All that matters is that it gets you to pay your bills and cash your checks on time.

Map out Long-Term Goals and Review Regularly

“Financial success” is different for everyone. That’s why it’s so important to dedicate some time to figuring out what you want to accomplish and what that’s going to cost. 

No one would jump in a car with only a vague idea of the route to their desired destination and expect to arrive without getting lost. So why would anyone expect an easy road to their financial goals without extensive planning?

Create milestones for your goals so you can figure out when and how much you need to save. Then, review your finances regularly—ideally once a month—to make sure you’re on the right path.

By reviewing your finances, you serve yourself in two ways. First, you’ll be in tune to your spending habits so you can adjust accordingly to stay on track. And second, you can keep track of any discrepancies on your credit card and bank statements.

Most credit card companies have a limitation on when you can dispute a claim. So, even if you have a legitimate claim, you might not be able to work it out if you make the claim too late.

Pay Yourself First

Monthly savings cannot be viewed as anything less than mandatory. Gallegos of Freedom Debt Relief recommends considering additions to your savings as a requirement, rather than a chore. 

Treat it like a required payment to your future retired self who will need financial support. Don’t overextend yourself by paying too much, but find some room in your budget even if it means sacrificing some fun money.

“Know what you have to spend—and spend less”

This last tip comes directly from the Vice President of Freedom Debt Relief. He says that learning to live below your means, “taking responsibility and choosing where your money goes,” could help you immeasurably in avoiding financial trouble.

To use this tip, reevaluate your budget completely. Search for expenses that you can reduce or eliminate and stick to your plan. Err on the side of cutting too much—you can always add subscriptions or memberships that you end up missing. Chances are though, you won’t even notice they’re gone.

Achieving your financial goals is most easily achieved by making small changes to your daily routine. Consistently enact these changes to your spending and savings habits, and you’ll be amazed at the difference small things can make over time.