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Financial Fitness for the Rest of Your Summer




Summer is halfway over and the warm weather, BBQ’s, and vacations have already probably put a dent in your budget. It’s a perfect time to re-evaluate your money goals by tracking your progress so far. It’s important to stay proactive about overspending by executing smart approaches that will keep you financially fit for the duration of the summer.

Review Your Current Summer Budget

After a month into the summer season, is your budget holding steady? It’s always prudent to review your current expenses in an effort to determine where you can cut back. It’s apparent that people spend more in the summer so it’s important to implement those amplified spending areas into your budget. Assess your recurring expenses by analyzing your debit and credit card activity. If you’re paying for items or services you never use then get rid of them. This will leave you more for your end of summer fun!

Assess Your Debt

Be honest, was one of your new year’s resolutions to pay off your debt? Like most of us, did that thought quickly fade? If this is you, then it’s time you do an honest evaluation of your debt. Are you feeling a bit debt fatigued or are you on your way to reaching your debt free goal? If you swept the goal of paying off your debt under the carpet then maybe it’s time to remember why it’s important for you personally to get out of debt. What are your visions for the future? What does your life after debt look like? If that is the life you want then start increasing your payments by only $5, which can have a great overall effect without putting a crimp in your summer plans.

Cut Energy Costs

Try to cut energy costs wherever you can in the summer. First of all, grill outside more often. This will cut the number of dishes used as well as the number of dishwasher cycles. Turn off internal lights and depend on natural sunlight. If it’s to hot outside then close the blinds to keep it cool inside the house. Water plants with a watering can instead of letting the hose run and try drying clothes outside on an old-fashioned clothesline to avoid using the dryer.

Take Advantage of Summer Sales

There are a ton of sales during the summer months that can help you save. Food shopping can be especially hard on your budget. Get the most for your money by utilizing store coupons and checking your local store circulars. We recommend using Flipp, a free application that can help you gather all the store circulars in your local area. This app can help you save 20-70% every week on your grocery bill.

Grasp the Strength in Old and Discounted Gift Cards

When was the last time you cleaned out your wallet and found old gift cards? These can help you supplement your summer dining or shopping while on vacation. You may not know this but you can buy gift cards at a discount. can help you save money in two different ways:

– You can sell your old or unwanted gift cards for cash, which can then be used, towards your summer activities.

– You can buy gift cards at a discount from over 4,000 retailers

If You’re Strapped For Cash Hustle Up Some Extra Cash

If your summer plans have busted your budget how about hustling up some extra cash. What if you rent a room out in your home on Airbnb. You can dog sit for dogs by advertising on, or drive for a ride share service. So, stop complaining that you are short of cash. Be creative and use the options that are out there waiting for you.

Use Cash

It’s very convenient to swipe your card wherever you go. Research shows that using cash as your payment of choice ultimately controls the amount you will spend by 12 – 18%. Elizabeth Jenkins, a hard-money lending expert, suggests you put your cash budgets into weekly envelopes. “Have an envelope for weekly food, entertainment, gas, rent/mortgage. You’ll feel guilty if you take money from the envelopes for unrelated expenses.”

View Spending Differently

Spending money can become addictive. How about spending ‘time’ on things instead of spending money on things. Focus on activities that will expand your well being instead of purchasing and collecting material items. For example, start an exercise program; find a hobby or work on upgrading your home. In other words, put your energy into projects that may cost you some money but will be more beneficial to your home or family.

You can’t be too rigid with your money. It definitely needs to adapt to your life. Summer is half over so start mapping out the rest of the summer so you can avoid overspending and digging yourself deeper into debt.


Source by Patrick Redo

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iPhone Application Development – Earn Money Through iPhone App Store




The Internet Revolution! I’m sure you read and heard a lot about it and so I won’t list the myriad ways in which it has changed everything. Professionals capable of working independently and creatively have benefited the most from the ubiquity of the internet.

There are so many ways I which you can showcase your talent to the world (or hawk your wares): you can write a novella, self-publish it over Amazon, and if people like it, you will mint money; you can post a funny video over YouTube (or start you own ‘Channel’), and using nothing more than your skills and ingenuity, find fame and fortune; or you can use your iPhone application development skills, sell your app(s) in the Apple App Store, and buy that yacht you’d always wanted!

Over 2 billion apps are downloaded from the iPhone App Store every year, and as the sales of iPhones continues to rise and more people start using iPhone, the demand for iPhone apps will increase. iPhone apps are constantly making the news and they are one of the prime reasons for the success of iPhones. Experts predicts that 3G smartphones which offer all the facilities of internet will replace PCs and laptops, and apps are the things that make it easier for the users to use their smartphones in lieu of computers: the market for apps is huge, and it will only grow further over time.

Do you have creativity, talent and innovative ideas? There are school students out there who are making serious money developing iPhone apps and selling them using the iPhone app store. Do you think you have the app idea of the decade? You don’t necessarily have to have a scientific and technical mind to gain success at iPhone application development: all you need is an idea and the ability to transform it into reality.

The best thing is that there are a number of free tutorials and SDKs available on the Internet; you can use download them for free and learn how to develop apps for iPhone apps. You might need t invest some time to study how to develop the best apps, and then how to market them over the net, but thereafter your creative ideas will take you far.

Even if you are not good at logic and math and programming is just not for you, you can still take help from professionals and pay iPhone developers to develop an app based on your idea. If your idea is really good, you could convince them to work for royalty from the sales of the app. And if your idea is really good and you are sure that the app based on your idea is going to sell like hot cakes, its best to pay the developer upfront and have complete control over all the profits on your iPhone app!

Once the app is ready, you just need to follow the simple guidelines on the iPhone app development store and list your app on the list of available apps. But there are millions of apps on the iPhone app store, and so you will need to do things to get publicity for your apps: get a website in the name of the app, try and make someone do a piece about in a magazine, keep your fingers crossed, and wait for the world to wake up to the proof of your genius!


Source by Vatsal M

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What Can I Use Bitcoins For?




Practically, almost any product or service that can be bought with dollars or other currencies can also be bought with bitcoins. On the other hand, the high volatility of bitcoins is a huge risk for some people that might want to use this cryptocurrency, but they are afraid about price differences. Even so, the characteristics of bitcoins make them perfect for internet payments:

1. Fast transactions

A bitcoin transaction is processed in 10-15 minutes. In case of a bank transfer, it might take hours or even days for the money to get from one account to the other. Some might say that PayPal or other ewallets are even faster. It is true, but there are other aspects that ewallets can’t give: privacy and smaller commissions.

2. Privacy

When you send bitcoins to a partner over the internet, the transaction will be registered in a blockchain. The list of transactions is public, and it can be verified on specialized websites. Only the identification number, the sum and the time are recorded. There is no way for somebody to find out from where the bitcoins come, and where they go. This is characteristic of bitcoins attracted many people. Well, some of those are interested about it because they can buy illegal goods with those, but the majority of bitcoin users are people that want to buy legal items and services, but which don’t want to disclose their identity. Porn and gambling websites might be immoral, but they are not illegal, so people that want to subscribe for those services can safely pay in bitcoins on the websites that accept this currency, knowing that their reputation will not be affected.

3. Smaller commissions

The average commission is 0.002 BTC for a transaction. It is significantly smaller compared with the PayPal or banking commissions. Moreover, you are not even obliged to pay it. By paying a commission, you “reserve” the computational power of a pool (or at least a part of it), to process your transaction faster. You even have the possibility not to pay the commission. In this case, you might need to wait two or even three days for your transaction to be processed. If you are not in a hurry, this might be the perfect opportunity to make money transactions with zero costs.

Of course, there are also disadvantages for using bitcoins, such as the possibility to lose them. If somebody steals your bitcoins, or if you delete the wallet files, it is impossible to recover those. As long as the bitcoin is not regulated, there is no central organism for arbitrage between divergent parts. In other words, you can’t complain if you lose or you are robbed by your bitcoins, simply because there is nobody to complain to.


Source by Stanculescu Mihai Bogdan

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Things You Should Know About Bitcoin Black




What is Bitcoin Black?

Bitcoin Black is basically the cryptocurrency of the people, by the people for the people. It will be adopted for use as a peer 2 peer payment system which gives the power back to the people.

If we talk about Bitcoin, Bitcoin has failed at this, real value comes from real use of the ecosystem and empowering people. Bitcoin transactions are slow and expensive, and it can be said that Bitcoin is somewhat centralized. Bitcoin takes power of people because it is heavily manipulated and through cycles that discourage participants from cryptocurrency in general.

People buy bitcoin to get rich, not to be involved in the ecosystem. The one percent elite takes advantage of bitcoin and creates discouragement, strategically increasing the price and attracting entry for the dream of wealth and dumping coins for their benefit. In fear of adoption. Bitcoin is completely controlled, pumped and manipulated at will, for many different reasons.

Bitcoin Black is focusing on solving these problems as the coin is a cryptocurrency with a fair distribution Airdropped to 1 Million wallets prior to IEO which all funds will go to community groups voted by the community to move the project forward with focus on fair distribution, mass adoption, usability, education, ease of access, simplicity and community.

The goal is to make it a real decentralized autonomous network giving back power to the people. He does not belong to a group, but belongs to many branches of the community.

Distribution of Coins

Bitcoin Black is aim to have airdrop to at least 1 million wallets initially with not more than 0.5% of supply owned by 1 founding member making it truly decentralized cryptocurrency.

The project have a pre-sale of 2.5% of total supply which is almost 900 Million coins.

If we take a take a look at the IEO, 7.2 billion IEO coins will be allocated to several community foundations that will help the community move the project forward in the future.

Counterpart funds for manipulation (around 5%). Part used for the stability control fund to eliminate the possibility of early manipulation at low volume and maintain currency stability.

Finally, the rewards for introducing the application will be 14.4 billion coins.

Introduction of 30 million members with an increase in the rate of new users. A method of bringing the coin into every schoolyard / university / workplace and community.

Total Supply

A maximum supply is 36 billion coins.


3.6 billion coins to be claimed by members who help share Airdrop.

Simple social sharing platform in one click. Share a social message that provides an introduction to encrypted video and the app download link that will allow your friends to download it. Currently the platform is active and functioning well.


The best innovation is the Fee free transactions. You can send bitcoin black to anyone free of charge. The transactions are Instant and you can send money as easily as sending an message.

The wallets are easily accessible and very simple to use.


Bitcoin black have a fair mass distributed currency with supply spread widely that it will create less volatility by synchronized pumps and dumps and lead to a more stable price. Bitcoin black is going to be the next bitcoin. You can register for the airdrop by clicking here. I wish someone back in 2008 would have included me on the Bitcoin airdrop. Bitcoin Black will be life changing and we want to tell this to as many as possible.


Source by Mark West

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