Best Finance and Investing Apps

Now we can stay in touch with our day-to-day financial investment activities anywhere and anytime because of our powerful feature oriented smartphones. It is seen that investors use smartphones to take care of their investments time-to-time due to availability of information on mobile devices, especially the valuable information found in finance and investment applications. These investment apps are very handy to use for both novice and experienced investors.

investingapps

By working on these apps, you can draw stock charts, maintain virtual portfolio and get necessary live stock prices on your smartphones or tablets at a click. Many of these finance and investment apps can be downloaded for free but for some you may have to shed a little money. Some of the apps are listed here that may help you to manage your finances efficiently and effectively.

  • ChartIQ Practice Trading Simulator:This app is available on iPad and costs around $1.99. By using this app you can choose a market scenario like a trending market and can analysis several charts which can make you accustom in the different trading environments.
  • FRED Economic Data: – This app which is downloaded from app stores for free is available on iPhone, iPad and Android. It is very useful for those customers who are unaware of Federal Reserve Economic Data.
  • Chaikin Power Tools: – This app is available on iPhone for trading and market watching. Marc Chaikin, a stock market expert, developed this app which aims at providing all the necessary financial information needed by an investor for buying and selling of stocks. Both stock as well as options trading is supported on this app with relevant real time alerts of various news stories.
  • ABUKAI Expenses: – ABUKAI is a great app which helps you to track and manage all your expenses for a financial venture. This app can be downloaded from Android market, Apple’s app store and Blackberry’s AppWorld.
  • PageOnce Money & Bills: – PageOnce, another famous app, provides finance services to the investors on mobile. According to market trends the demand for this app has increased by 300% in the last one year. It helps you to manage your finance account on your phone in one location by delivering a complete overview of cash, investment, due payment and credit card transactions.
  • WikInvest Portfolio Manager: – This app is available on a number of platforms like iPhone, iPad, Android, Blackberry and Windows Phone 7 and can be downloaded for free from various app stores. By using this app you can pull your account related information from anywhere and can manage your portfolio’s performance with time.
  • CNBC Real-Time: – This app can be downloaded for iPhone, iPad and Android for free. This app make you visualize the real-time data and provide you with live quotes for future market.
  • uValue: – Aswath Damodaran, stern valuation guru, designed this app for valuation modeling on iPad.

This represents a very short list of apps. There are many more available in the market which you can consider to enhance your investment options.

What Are the Most Commonly Missed Tax Deductions?

Every April, businessmen, entrepreneurs, and other self starters anticipate that dreaded day of filling out those familiar W-2 and 1099 workbooks. While some look forward to receiving a refund, many lack the necessary education to help them maximize their tax earnings. The following are some tax deductions that are commonly overlooked by all types of taxpayers.

Whether owning a small business or large company, keeping tight records of all business transactions is the key to a worry-free tax season. This includes keeping track of all receipts related to the business. Lunch expenses can be an acceptable write-off if it is purchased as it relates to business. If using a car to carry out business related tasks, then expenses used for the car can be deducted at the end of the year. This includes gas mileage and any other necessities to keep the car in good condition while conducting business. Oil and tire changes, tune-ups, and any other cost related to car maintenance are examples of deductions that suit independent contractor delivery jobs or sales jobs that require a great deal of independent travel.

Materials that are needed to produce sellable goods can also be deducted. This benefits artists and craftsmen who make their living selling their art and crafts. For example, if an artist sells their work for $200 and their materials needed to produce it costs $40, then the artist can write that off come tax time as long as he or she keeps all of their receipts. These are all considered business expenses that ideally should not cut into the entrepreneur’s individual profit margin.

If a business needed to close down and thus resulted in a loss of income, then the business owner can report that as a loss on their tax forms. Each individual taxpayer needs to pay attention to what amount of profit loss constitutes a “loss” because each state may have different laws regarding these specifics.

Other forms of deductions that often go unnoticed are sometimes not so obvious. Most people may not know that charitable contributions made to organizations can also be deducted. This may include foundations such as Muscular Dystrophy or non-profit agencies.

Many homeowners reap the benefits of paying those monthly mortgage payments around tax season, but renters may not know that they might benefit as well. As long as he or she is the head of household and it’s their primary residence, some states will allow them to deduct rent from their taxable income. When filing Federal tax returns, the residence must be used for a business purpose in order to qualify for deductions.

Whether a business owner or average Joe trying to make an honest living, tax deductions are not always the most obvious. By identifying commonly overlooked deductions, taxpayers can now be a little more cautious this tax season. Hopefully, this article is helpful in helping the average taxpayer determine what an appropriate deduction is and which is applicable in their individual situation.

The 30 Greatest Investing Lessons from 30 Rock

30 Rock was one of those great shows that comes around once every ten years or so with the perfect amount of awesomeness, guaranteeing it to be amazing. Asics Gel Lyte Pas Cher But low and behold, there are only so many liberal New York Democrats in the world to watch it, and its rating has been in the crapper. So after seven long seasons it is sadly coming to an end. 30 Rock has taught us a lot during it’s run, most important being:

live every week like its investing week“Live every week like it’s shark week”

However that isn’t the most important life lesson this show should leave you with. Even though it will soon be leaving the air it can still leave behind thirty of the greatest and easiest to follow financial and investing lessons you need to succeed in life. If you don’t read on you might end up just like Liz Lemon and who wants that? However if you read on you too can climb the corporate ladder in life and one day be a Jack Donaghy and maybe even have that penthouse office complete with a bathroom door that looks like a wall. 1. Yeezy Boost 350 Donna Never keep more cash than you need in a bank account. If you are lucky you will earn 1% tops. Most likely you will only earn .1%. Do yourself a favor and don’t pull a Liz. Liz lemon investing 2. Making money and saving it too is very important. Liz Lemon: Alright, I need my job back but this is not crawling, this is proud begging like those kids that dance on the subway. Jack Donaghy: Of course you can have your job back, Lemon. Liz Lemon: Oh thank god! It was terrible. I went to her apartment. I don’t think she has a toilet! I saw my future, Jack. Jack Donaghy: Never go with a hippie to a second location. [hands Lemon a glass of wine] Liz Lemon: [sighs] I can’t end up like that. I have gotta make money and save it. And I have to do that thing that rich people do where they turn money into *more* money. Can you teach me how to do that? Jack Donaghy: With my eyes closed. Liz Lemon: Oh good, because I want to send Rosemary $400 a month for… forever. Jack Donaghy: You should, that woman is unemployable. 3. Being rich allows you to do the things you want in life no matter how old you get. Liz Lemon: Rosemary said that women become obsolete in this business when there’s no one left that wants to see them naked. Jack Donaghy: You make enough money, you can pay people to look at you naked. 4. air max pas cher and 5. Don’t keep all your savings in a coffee can, and don’t invest in unstable currencies. Jack Donaghy: Kenneth, just how much money do you have in your savings? Kenneth Parcell: Well, let’s see! [Kenneth reaches down and picks up a coffee can filled with cash] Kenneth Parcell: Eighty thousand dollars! Jack Donaghy: If you don’t include Confederate money. Kenneth Parcell: Four thousand dollars! 6. Investments in houses can often turn into money pits or money sinks. Tracy Jordan: I’ve poured more cash into Donald’s restaurant than my money pit in Connecticut. Jack Donaghy: You have a house in Connecticut? Tracy Jordan: No, I do not. fjallraven kanken 7. If you have lots of money feel free to share it to keep everyone happy. Liz Lemon: Guys! Guys, I’m not going to keep it. I’m going to take this money and open a tab for all of you after work at hurley’s. 8. Sometimes opportunities for making money only exist for a short time. Tracy Jordan: Your teeth. You got to think like these strippers, Lemon. They know the window of opportunity is only open for a moment. You got to get in while you’re young, get the money, and get out. 9. Many places don’t accept bills greater than $50 so you are better off taking out smaller bills from ATMs. Liz Lemon: Oh this is so annoying. I just went down to the ATM to get money and it gave me a $100 bill. Liz Lemon: It’s like having confederate money. no one’s gonna take that. 10. Sometimes marriages can result in unforeseen costs if it doesn’t all work out. Jack Donaghy: Yeah, that was her engagement ring. Uh, you know, l took the money from the sale of those pieces, and l bought a sailboat. And l named it after my ex-wife, and l sank it. Nike Roshe One Uomo 11. It’s best to keep friendship about being friends and not about making money. Liz Lemon: You tried to take advantage of our friendship to make money. Jack Donaghy: I don’t need you to make money. In fact, I’m meeting with your replacement tonight. 12. This is called the freeloading principle. It also works great for holiday donations and going away gift pools for coworkers. Pete: Good stuff, listen. every Christmas, i collect money from the staff and give it to the cleaning ladies. Pete: She does this every year. she doesn’t give the money because she knows that the card says ”from the cast and writers of t.g.s.” and she’ll get credit for it anyway. I should make up new cards that say ”happy holidays from everyone except Jenna”. But that would require me to have some remaining life force, Danny. So I’m going to go have a drink alone at the oyster bar. Pete: For the most wonderful reason of all. Christmas vengeance. Jenna will finally be punished for all the times I had to pay her share of the money for the cleaning ladies. 13. Cameo Matt Lauer has this gem on how to save money when traveling: Matt Lauer: If you want to save money on the trip, consider taking a sandwich. 14. Always be looking for new opportunities to make money. Nancy Donovan: well, there’s no money, jack. if i can get some cash out of this place, then i can start a new life. buy a condo in marina bay. open a store for red-headed girls to buy cosmetics from someone who understands. 15. Watch out for relatives who might just use you for money. Jenna: This isn’t a relationship. This is some woman who shows up every couple of years to ask for money. To her, I’m just a gorgeous, naturally blonde ATM. Jenna: But when I wanted to sing a duet in a mother-daughter pageant, she blew it off because there was no prize money. 16. Be careful what websites or TV shows you consult for financial advice. Liz Lemon: No, C.N.B.C. gives me a headache. I get all my money advice from P.B.S. 17. Sometimes both choices have their advantages when it comes to investing. So always keep the portfolio approach in mind and never invest more than 15% of your money into any one industry or company. TV: Where should I put my money? In tech stocks? Or the housing market? Liz Lemon: Tech stocks, foxy moneybags! Tech stocks! 18. Be wary of any company that generates a large percentage of its profit from just one product. Dave Hess: But do you know how much of our profit comes from men ordering adult movies? 91 percent. They churn this stuff out, people at home push a button, and we make money off it. We don’t do anything.

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  19. Sometimes in life you just have to do a job for the check no matter how hard it can be to do it. Jack Donaghy: Of course. I apologize. Verna, you have a very simple decision to make. Quit, don’t get paid, and drive around with one headlight out, or swallow your pride and get the money you need tomorrow. 20. If you are moving for a job be sure they give you money to cover your expenses. Pete: Well, you start in two weeks. And they’ll give you some moving money to help you get to L.A. 21. Sometimes being the most expensive person on your office’s payroll isn’t the best thing. Jenna: A line item budget! Ooooh. Nike Air Max 2017 Dames zwart O love this! It takes people and turns them into amounts of money. Except for Tracy, I’m the most person on the show. 22. When planning your estate consider donating some of your money to charity or to your church. This will make you feel better about yourself and might even grant you special powers. Jack Donaghy: [to video camera] As you go through life, I will always be here for you through these tapes. Also, I have given a great deal of money to the Catholic church, and have been assured that I will have certain powers in heaven. Sending you messages through animals, for instance. In the unlikely event that you encounter something that is not covered here, find a woman named Elizabeth Lemon, get her advice… and then do the opposite. 23. Don’t trick yourself into thinking you are richer than you are. Liz Lemon: My memory has Seinfeld money. 24. adidas superstar Always watch your spending. watch your spending Dotcom 30 Rock

Shout out to Kevin Brown (@dotcom30rock) he saw Tracy’s spending habits first hand. 25. Watch out for scams. Make sure all investments seem logical and sound before investing in them. Kenneth: They do need help. And with enough money they could buy those magic beans from that old hermit! We’d be rich! Hang on. Nike Air Max 2016 Dames Rood Why isn’t the hermit rich? Oh wait. He is. He has a lot of friends. 26. Stealing is always wrong even if it is from a big corporation. Jenna: Well, here’s your cut. [hands kenneth money] We’re not hurting anybody. Carvel’s got plenty of money. 27. Being a Teacher isn’t a very lucrative career choice. Jack Donaghy: Letting morality get in the way of making money. I might as well go and… [whispers] be a teacher. 28. and 29. Bosses steal and employees extort. Jack Donaghy: Who the hell do you think you are? [stops elevator] This is not the way the world works, Kenneth. Bosses steal and employees use it for leverage. So what do you want? Money? A promotion? I can get you into a restaurant where you watch a child play with a bunny, then you eat the bunny. 30. Most importantly money can make you very happy. money cant buy happiness it is happiness Money can’t buy happiness. It is happiness.

Do Young Adults Need Life Insurance?

Life insurance is not always a topic in which families take a moment to sit down and talk about. It is almost a taboo subject; a horrifying prospect for parents, and young adults tend to think death only happens to the old. Life insurance can greatly aid families in this time of grief. Those that have the added stress of financial complications struggle more through this difficult time, something that can be avoided. Families can feel secure that they can provide the best service for their passed loved ones without financial burden.

young adults life insurance

Young adults also tend to think they can wait until they find a job, in which the employer will provide them with life insurance as an added benefit; however, while those types of life insurance policies are helpful they usually do not give quite enough coverage. A little research will quickly show life insurance companies can easily assist young adults in finding the right policy to fit their needs and lifestyle.

There are many other advantages to a young adult acquiring life insurance besides the financial assistance and peace of mind for family members and loved ones. Applying for life insurance is easier when you are young and in good health, options for different policies are broader and chances of being accepted into them greater. Also keep in mind the younger the applicant the cheaper the policy can be with a greater pay out.

A benefit of a policy that has a larger pay out is the ability to help with the future of college loans for children, payments for mortgages and paying off any debt that may have been accrued. A life insurance policy is an essential in assisting families and having security that they will continue to be taken care of after one is gone.

Another added benefit of a young adult obtaining a life insurance policy is contribution to a retirement fund. Some life policies offer a broad range of products including a nest egg for retiring, buying a home or paying off a large debt. One way a policy like this works is, the insured individual pays a monthly amount that is then invested by the company. The money earned on the investments are allowed to be used by the insured in anyway they so choose, it is a great to have money aside for a retirement fund.

In reality no one wishes to ever use their life insurance policy early; however by remembering it is truly for the long term benefit of family, the decision becomes clear. A young adult can acquire a better policy, have more security for their family and even have security for themselves in retirement and creating a nest egg. Realize by speaking with a young adult about life insurance it is not only about the uncomfortable topic of death but, a smart choice for an individual to ensure peace of mind for themselves and loved ones.

Tax Preparation Checklist

Before filing your taxes this April 15th there are some simple things you need to have with you. We have made the below list to help you out. Feel free to print out a copy of the below and check off the information as you put it together so you are set to do your taxes when the time comes. We also recommend putting this checklist on the outside of a folder which can contain all of the documents as you find them. Then when you are done with taxes for the year you can store the full file in your filing cabinet to have it for next year and for the next couple of years in case you ever audited.

Personal Information

  • Social Security numbers and dates of birth for you, your spouse, your dependents
  • Copies of last year’s tax return for you and your spouse (helpful, but not required)
  • Bank account number and routing number, if depositing your refund directly into your account (You can find this on your check book or by logging into your online bank account)

Information about your income

  • W-2 forms for you and your spouse
  • 1099-C forms for cancellation of debt
  • 1099-G forms for unemployment income, or state or local tax refunds
  • 1099-MISC forms for you and your spouse (for any independent contractor work)
  • 1099-R, Form 8606 for payments/distributions from IRAs or retirement plans
  • 1099-S forms for income from sale of a property
  • 1099-INT, -DIV, -B, or K-1s for investment or interest income
  • SSA-1099 for Social Security benefits received

Adjustments to your income

  • Form 1098-E for student loan interest paid (or loan statements for student loans)
  • Form 1098-T for tuition paid (or receipts/canceled checks for tuition paid for post-high school)
  • Records of IRA contributions made during the year
  • Records of moving expenses
  • For teachers: Canceled checks or receipts for expenses paid for classroom supplies, etc.

Taxes you’ve paid

  • State and local income taxes paid

These are some of the most common forms and documents you will need to complete your taxes. You should have received copies of most of these by February 1st since employers and other institutions are required to mail them out by then. If you think you are missing a document be sure to contact that party before filing your taxes since you don’t want to risk being audited.

Saving Money on Groceries Without Using Coupons

Everyone in this world knows that you can take advantage of big discounts when you use a coupon while you are in a grocery store. But what if you do not have a coupon? How will you save your money? Here are some ways that you can make the most out of your money without using coupons for groceries. So enjoy the tips below on saving money on groceries without using coupons.

saving money on groceries without using coupons

DECIDE ON WHERE TO GO SHOPPING
Choosing the right grocery shop will help you see a big difference when it comes to the cost of your food. It is helpful to know a grocery store that gives you the cheapest prices for the items that you regularly need. Spend some time in looking for a grocery store that has inexpensive necessities that you regularly purchase. You may think that this tip requires you to do a lot of work, but the ongoing benefits can save you hundreds if not thousands each year. Hard work pays off!

PREPARE AHEAD
You will save a lot of money if you plan ahead of time. Also, planning lets you avoid the impulse shopping attitude. Bring along a list of the things that you need to buy before going to the grocery store so that you will stick to necessities as you shop.

FIND SUBSTITUTES FOR EXPENSIVE ITEMS
If you are going to shop and you notice that you are buying expensive items, you may want to consider looking for alternatives for them so you can save. Sirloin steaks cost a lot of money, so why not buy some ground and/or lean beef? That is much cheaper compared to the sirloin and shares most of the same nutritious value.

BUY IN BULK
Purchasing non-perishable items in a warehouse store can make you save a lot of money. You can buy bulk of paper towels, laundry detergent, canned goods, pasta, etc. just make sure that you are buying products that will not expire soon, or else you will end up wasting your money on the things that you will just throw away in the future because they cannot be used anymore.

STOCK UP ON SALE ITEMS
When you see an item that you regularly buy and it is on sale, make sure that you jump into this opportunity and buy as many as you feel you can use. Just make sure that this item can be used in the near future and make sure that it will not be expired soon. Some stores put items on sale because the expiration of that product is coming up soon. Always check the dates when you stock up on sale items.

LOOK AROUND. LEFT AND RIGHT. UP AND DOWN
When you are searching for something in an aisle, take time to move your head up and around to look for some items that are cheaper than the product that you regularly use. You see, premium types of products pay more to the grocery owners so that they will be displayed in the level where people notice them first. If you look up a little bit, you might see some items that are the same as premium items but a different brand. These items usually taste very similar or perform similarly, however bargain brands make it possible to save dollars at a time on each item you purchase.

How Do I Get Credit

For the average job-holding, nine-to-five adult, the biggest question when it comes to credit is “Is mine good or bad?” But for many college students, the more pressing question is “Where do I even start?”

credit cards

The scene: Jason, a fresh-faced recent college graduate gets a new job and decides he probably will need a car to get to work. He finds an affordable, reliable vehicle but has to finance it because he does not have enough money saved to pay for it outright.

The problem: He’s rejected for financing not because he has bad credit, but because he has no credit.

This scenario plays out all too often for college students and many other young people taking their first few wobbly steps to financial independence, but there are several ways to prevent it.

Step 1: Know Where You Stand

Just because Jason had no credit doesn’t mean that every college student is stuck in the same conundrum. Many students may be making credit histories without even knowing it.

Ever had a student loan? The many college graduates drowning in student loan debt might have more credit to their names then the lucky few who graduate debt free. Basically, anything that requires monthly payments could build credit. Think back to loans, gym memberships, rent checks, and the like.

Everyone is granted one free credit report per year. Take advantage of this service by using a reputable credit-reporting bureau, such as Equifax, Experian, or TransUnion.

Step 2: Get a Credit Card

This part can be tricky. The credit conundrum can prevent people like Jason from getting credit cards simply because they have no credit. So how are they ever supposed to build their credit?

Most banks offer secured lines of credit to their customers. This means that account funds are used as collateral should credit holders fail to make payments.

Store credit cards often have more lenient requirements and lower credit limits, so they are also a good first step to establishing credit—as long as they’re handled responsibly!

Step 3: Take No-Interest Offers in Stores

Ever seen the “same as cash for 90 days” in-store offers on big-ticket items? It’s easy for them to sound like scams, but they’re not. Just be sure that you have the right amount of money, and sign up. This is, in essence a loan, and, if you make good, regular payments, it’s a no-extra-cost way to establish some credit.

Many of these offers have time limits set before you will have to start paying interest, so be sure to read the fine print with any of these offers to avoid getting in over your head.

What is an Annuity Contract?

An Annuity Contract is a type of investment or financial product in which the investor or purchaser is expected to receive a certain amount of returns or profit in a future date. Any person or company can avail of this product, most especially people nearing retirement. Like any contract, an investor is bound to pay a certain amount over a period of time and expect a payback period for the investment. Depending on the kind of Annuity Contract, a guaranteed income or a risk of variable income or loss are associated with the investment.

Annuity Contract
Always be careful when signing contracts

 Kinds of Annuity Contract

A long term investment of Annuity Contract is called deferred annuity. In deferred annuity, the investor or company pays the purchase price and the repayment of income begins after the year of retirement. The investor or purchaser can either take the amount in lump sum or over a longer period. A predetermined annual yield is paid back over a period of time, this is called fixed rate of deferred annuity. The other type is variable rate, wherein the basis of pay increment is the performance of the investment.

How to go About Investing in Annuity Contract and the Benefit it will yield

Like any investment, there are benefits and risks involved. Depending on the type of annuity contract being purchased, there will be risks and benefits play. For those who love to play the investment game, the greater the risk of investment, the greater the yield or increment of investment involved as well as the risk of loss. But for those who prefer not take the risk and stick with the predetermined increment of investment, that could be a particular choice as well.

Reaching the retirement age is the best time to invest in annuity contract, since people reaching the age of 50 would have full understanding of financial processes and the money to invest. There listings of insurance companies that offer this product. Being unsure of the company to invest is common; in order to make things easy, an agent can handle the insurance need. The beneficiary must be taken into consideration as well since the future is unpredictable.

And lastly, whether the agent has full knowledge or has good arrangement for your annuity contract investment, it always pays to check and verify other companies so that a comparison can be made.