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11
Sep

Slash Your Spending With These Smartphone Apps

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Photograph Courtesy Of Pixabay

Photograph Courtesy Of Pixabay

Most of the people that have smartphones rarely go anywhere without it. Smartphones have become such a part of everyday life that people have started using them for a variety of everyday tasks. Developers that create smartphone apps have designed a wide array of tools that can help you save money by reducing the amount you spend on everyday items. Here are some great smartphone apps that will help you slash your spending and save more money.

Coupon Sherpa – Coupon Finder

If you look hard enough, you can find a coupon for nearly anything you want to purchase. To make the search easier, the Coupon Sherpa app compiles a coupon database containing coupons for a wide variety of items, from hardware to clothing to food items. You can search through the coupons by retailer or search for coupons for specific items that you intend to buy. Using coupons regularly can save you a large amount of money over the course of the year if you stick to buying items that you will actually use, especially if you can find coupons for free items or half off the price of the item you desire.

RedLaser – Merchandise Price Comparison Tool

The RedLaser app is a great app for comparing prices before you buy, ensuring that you get the lowest price on the items that you want. If you are in a retail store, you can scan the bar code of the item you are interested in and instantly see competing prices from a number of retailers that list their prices on the internet. If you are in a store that offers price matching, you can immediately get a lower price on the merchandise. If the store you are in does not offer price matching, you always have the option of ordering the item from the retailer with the lower price.

GasBuddy – Gasoline Price Comparison Tool

Gasoline prices can vary significantly from station to station in the same city, so finding the best price on gas when you are low can be a difficult task. The GasBuddy app allows you to input your current location and see the gas prices at nearby stations so you can see where to go to get the best price. You can also enter the prices that you see at your local gas stations to provide the most up to date information for others who are searching as well. Prices are reported from everywhere, so this is a great app to have with you on a road trip.

10
Sep

In Search of the Highest Paying Jobs

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Did you know that doctors in the United States earn more than CEOs? The latest data given by the Bureau of Labor Statistics in the U.S. show that anesthesiologists earn more than anyone else in the United States. The study includes data from more than a million American companies. 9 of 10 highest paid professions relate to the field of medicine.

The salary of doctors is so high not only because of supply and demand in the market, but also because once they have invested a large sum for their own education. In the case of medical malpractice doctor pay very large sums for fines, so they have to buy insurance against possible charges of negligence. Besides medical workers, there are professions that are not much less well-paid. For example, accountant jobs. On JobTonic you will find accounting jobs that are available in Houston and other cities.

The top ten most paying jobs in the United States

  1. Anesthesiologist. High salary in this specialization reflects the responsibilities and risks associated with the work. Currently in the United States there are about 30 thousands anesthesiologists. During surgery, anesthesiologists control the work of the heart, breathing, blood pressure, body temperature, fluid balance in the body, the pain and the patient’s level of consciousness. To become an anesthesiologist in the United States, it is necessary study at least 9 years, and then practice for at least 3 years. American Society of Anesthesiologists says that the number of anesthesiologists has doubled since the 1970s, and patient outcomes have improved significantly. While the chance of dying during surgery due to anesthesia was approximately 1 to 1,500, now this number is 1 to 200 000. Average anesthetists receive $ 112 per hour, and their average annual salary is $232,830.
  2. Surgeon. There are about 42,000 of surgeons In the United States, their average wage is about $ 111 per hour, the average annual salary is about $230,000.
  3. Obstetrician-gynecologist. Total number is about 21 thousand people; the average salary is about $ 104 per hour; the average annual salary is $217,000.
  4. Surgical dentistry, maxillofacial surgery. Total number: about 5,000 people; the average annual salary: $216,000.
  5. General practitioner. Total number: about 45 thousand people; the average annual salary: $192,000.
  6. Orthodontist. Total number: about 5,500 people; the average annual salary: $186,000.
  7. Physician and surgeon (all other branches). Total number: about 308 thousand people; the average annual salary: $185,000.
  8. Family doctor. Total number: about 110 thousand people; the average annual salary: $181,000.
  9. Psychiatrist. Total number: about 24 thousand people; the average annual salary: 178,000.
  10. The Director-General. Corporate executives earn an average of $ 177,000 per year. But there are managers who earn much more. Maximum annual income of Director General in 2012 was $131 million (one of the pharmaceutical companies).

Photo by photologue_np

8
Sep

Balance Transfer Credit Card Offers Can Cost You More Than You Think

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Photograph Courtesy Of Pixabay.com

Photograph Courtesy Of Pixabay.com

Balance transfer credit card offers are growing in popularity as more and more people find them useful for meeting their financial needs. These cards allow the cardholder to place the balance of a high interest credit card on a credit card with a low introductory balance transfer rate. If you are able to pay off the full amount of the balance transfer before the end of the introductory period, you will pay little or no interest on the amount transferred. While this sounds like it would be a great deal for anyone, it could end up costing you more than you think if you do not use the balance transfer credit card correctly. Here are some of the things that you should be aware of before transferring a balance to a balance transfer credit card.

Know What The Fees Are

It is important to know what fees you will be charged for using the balance transfer credit card before you begin to use it. Some of these credit cards charge the cardholder a balance transfer fee for transferring the balance, even if the introductory interest rate is zero percent. In the case of the last balance transfer credit card I signed up for, the fee for transferring the balance was 3% of the balance, added to the total amount to be paid before the end of the introductory period. If you are transferring a large balance, the balance transfer fee can be a costly addition and may reduce your ability to pay off the amount before the introductory period expires.

Know How Long The Introductory Period Lasts

Knowing how long the introductory period lasts is very important if you do not want to find yourself spending much more than you planned to pay off your balance. In the majority of cases, if the transferred balance is not completely paid off before the end of the introductory period, a double-digit interest rate is applied to the entire amount placed on the card. If the balance transferred was considerable, then the addition of the interest can come as quite a shock and make the balance harder to pay off.

Know The Consequences Of Putting Additional Charges On The Card

If the amount transferred through the balance transfer is less than the total amount of credit available on the credit card, you may be tempted to place additional purchases on the card at a later date. Adding purchases to the credit card balance may have several consequences, including having to pay high interest on the purchases immediately with no grace period since the transferred balance is already on the account. Read all of the terms and conditions of the balance transfer credit card carefully to ensure you know what actions will trigger high fees and interest rates.

4
Sep

Options For Dealing With Unmanageable Debt

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Photograph Courtesy Of Geralt

Photograph Courtesy Of Geralt

Many people are finding themselves dealing with unmanageable debt and are feeling hopeless that they will ever be able to resolve the situation. Debt that has a high interest rate, like credit card debt and certain types of short-term loans, can grow quickly due to interest charges and fee and become completely unmanageable in a fairly short period of time. There are several options available for dealing with unmanageable debt and each option should be weighed carefully before making your decision.

Debt Consolidation

One option that is frequently used for making unmanageable debt more manageable is using debt consolidation to bring down the cost of your debt. With debt consolidation, you basically take out one big loan to pay off all of your debts at once. You then repay the large loan, which often has a lower interest rate and lower minimum payments than you would have enjoyed making multiple payments to multiple creditors. If you consolidate your debts before defaulting on any payments, you may be able to enjoy a relatively low interest rate, but attempting debt consolidation after you have already begun missing payments will make your interest rate and payments much higher.

Debt Management Plan

A debt management plan is set up by a credit counseling company with the purpose of helping your pay off your existing debts with an affordable payment. The credit counselors work out deals with your creditors for you to repay your debts over a longer period of time or with a lower interest rate than what you currently enjoy. You pay a portion of your income each month to the credit counseling company, which then uses that money to make payments to your creditors. Your debts will stop accruing interest charges and late charges once they are under a debt management plan, but a condition of the plan may be that you cannot apply for additional credit for a certain time period after entering the plan.

Credit Repair Companies

On television, there are numerous commercials for credit repair companies that offer to repair bad credit and clean up a person’s credit history for a fee. They often claim that using their services will repair your credit enough that you will be able to get approved for a car, a credit card, a home mortgage, or a personal loan within a short time of them taking action. These companies are typically scams as there is no legal way to remove correct credit information from someone’s credit history.