Quick Ways to Save on Your Cellphone Bill

Owning a cellphone these days is already a necessity. Most tasks at work and even at school already requires smartphones with a data plan. These allow you to take pictures, surf the web and send emails to communicate effectively and quickly with the people you need to reach.

Believe it or not, most smartphone owners are unable to use their data plan wisely. As a result, they endure paying overcharges in their cellphone bills for months or even years. Are you caught in the same problem? Read these tips that can help you break free.

Don't sign long term contracts. Long-term contracts will force you to pay your service provider a lot of money monthly. You will be surprised that you're not actually using or making the most out of the services included in your package. Consider a month to month plan which is offered at lower rates. You can even customize a month to month plan to suit your monthly data usage.

Log on to WiFi. Most data service providers charge extra for online video streaming, app download, file upload, etc. Log on to your WiFi at home if you need to such things. This will keep you from paying unwanted extra charges.

Turn off roaming in your smartphone settings. Are you leaving the country anytime soon? Before you do so, turn off roaming in your smartphone. Smartphones are just some times too smart to connect automatically to other phones in a foreign land without you knowing about it.

Drawdown Dangers – What It Means To Traders

Drawdown is a word that is feared and hated by every trader, but it is an inevitable part of playing the markets. It is simply how much your account loses from its peak. Suppose you start with $10,000 in your account, and after a succession of losses the account goes down to $7000. That means you have lost $3000, or 30% of the original starting $10,000, and therefore your drawdown is 30%. Drawdown is relative to where your account peaks, so say you had a good run and built the account up to $12,000, then lost $3000 again, bringing it down to $9000. Your drawdown this time would be $3000 from $12,000, or 25%. Maximum drawdown corresponds to the lowest your account ever hits. Sometimes you will see trading strategies detailing how much maximum drawdown is expected to be when using them – usually the more risky strategies will anticipate a greater drawdown while expecting a higher profit on average. Drawdown is particularly dangerous because, the way statistics work, you ...

How to Secure the Future of Your Child with Special Needs

If you have a child who is differently abled, you will agree that leaving your child with no financial support in the future is very daunting. Believe it or not, you can prevent this from happening by securing a special needs fund for your child as early as now. Because a child with special needs may be disqualified for public benefits, the aim of this type of trust fund is to give a convenient lifestyle to them without limiting their access to all available benefits. Generally, the creation of this fund is structured to supplement any assistance the government may provide concerned children in terms of clothing, food and shelter. The four important components of this trust fund are the asset, the beneficiary, the trustee and the purpose. The asset is the special needs resources that will be placed in a trust. The beneficiary is the concerned child while the trustee is someone who will be in charge of the disbursement of the funds. Meanwhile, the purpose serves as th...

All You need to Know About Borrowing Money from Family

Borrowing money from family and friends can be a perfect solution, but be sure to look at the pros and cons of this approach. Before you join the bandwagon, review first this short list of its advantages and disadvantages. The Pros Flexible Terms: Unlike other forms of traditional finance, funding from family and friends is typically offered on flexible terms. Friends and family may agree to a longer repayment period and may seek a lower rate of return than traditional lenders. On a practical level, little or no security is required and the repayment can be tailored to your financial projections. Minimal charges: One of the greatest advantages of borrowing money from friends and family is that the funds are offered at little or no interest. As a start-up or loss-making company, the interest rate charged by traditional lenders can be very high. Easy to set-up: On a personal level, the family member or friend already knows your ethos and business circumstance and so are less likely...

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