Make Tax Season a Breeze With These Easy-to-Follow Pointers

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Taxes might be unavoidable, but the stress associated with filing them does not have to be. Take notice of a few key details when you are preparing to pay this year’s taxes and let go of some of the hassle.

Get in Touch With a Highly Qualified Professional

With so much on the line, it pays to have some appropriate advice before filing taxes. Organizations including the United CPA Association can provide details about which experts can handle a particular taxpayer’s situation.

Get Your Hands On the Documents You Need

New regulations and changing situations are just a couple of the reasons people should hold on to tax-related paperwork in a safe and organized way. Any individual or business without a dedicated plan should seriously think about establishing one.

Get the Most Possible Deductions From Your Taxes

The promise of a lower tax bill or even a rebate from Uncle Sam can certainly put a positive spin on an otherwise unpleasant chore. Check with an expert to pinpoint any deductions that might have gone unnoticed.
There are plenty of reasons to dread tax day, but being unprepared is one that you can easily prevent. Pay attention to the simple tips outlined above to get every tax season off on the right foot.

A Beginner’s Guide to Stock Investments

If you’re thinking of getting into the stock market for the first time, there’s a lot you need to learn. To begin with, the stock market is not for the faint of heart. But if you think you have what it takes, do a little research and practice. Once you start actually investing, you’ll be well on your way to making some money in the world of stock trading.

Find Your Investment Path


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There are many ways to invest. First determine how you want to start investing. Research the various ways to invest. There are many options out there, and you’ll need to decide how hands-on you want to be, how much money you have to invest, and what fees are attached to the path you want to take. 

For example, you can choose to hire a stockbroker, or you could use an online broker or a robo advisor. You may be able to invest in the company you work for, or decide to try out a simulation platform and learn the market for yourself. Regardless of those choices, there will be fees involved. Do your research and decide which way will work best for you. 

Know What You Want and Can Handle

For getting started, Money Crashers has a checklist that explains what you can expect to get out of your investments. The site can also help you figure out how involved you want to be. It’s important to set long-term goals. And you should know why you are investing in the first place.

Additionally, it’s important to determine your risk tolerance. You should know if you are ready to take the risks. But if you have a hard time taking risks, it may be best for you to find a broker that will handle trades for you. Every stock trade is inherently a risk, and trades are often too stressful for some.

If you’re comfortable with taking risks, consider how to control your emotions. Emotions can seriously impact how your investments pan out. You need to study, practice, and refrain from letting your emotions make decisions for you. 

Learn the Basics

This part can be incredibly intimidating to a beginner. You’ll need to learn many terms and tactics before getting involved with the stock market. If you are thinking of learning to trade on your own, look into paper trading. 

Paper trading is done using a stock-market simulator, explains NerdWallet. On these platforms, you trade without using real money. They simulators work off of the live market, so you can see what would have happened if you had been investing your money. This is a great way to practice and build the confidence you need to jump into stock trading. 

If you feel you are ready to take the leap into the stock market, Raging Bull is a great source for information to get you started in stock trading. Check out the site for tons data, advice, and the resources you need to get started in the stock market.

How to Start a Mobile Car Detailing Business


These days, if you want to get ahead, running a business is the best thing for you to do. Not only will it make you your own boss but it will also give you the motivation to succeed since you are running your own company. One business you can easily start in your own backyard is a mobile car detailing service.

What does it take to put together such an enterprise? What equipment do you need for such a business? Is a mobile car detailing business right for you? Before you go out and start buying the stuff needed for such a business, there are a few things you need to learn how to do before you can get this idea off the ground. Here are some of them:

  • You need to know how to properly clean cars – Cleaning cars may sound like an easy thing to do. How difficult can it be, right? You have to remember that you are not just putting up a car cleaning service. You are putting up a car detailing service. There is a huge difference. A car wash basically washes the exterior of a car with the use of water and a cleaning agent. A detailing service goes beyond a mere washing of cars. It involves the vacuuming of the interiors, window cleaning, waxing, polishing, and many more.
  • Check out what your competition is offering – To be able to compete, you need to have a service that people will pick over those that offer the same thing. Scoping out what the competition is doing will help you put together a better package that customers will gravitate towards.
  • Find out what you need in terms of permits and documentation – Business permits and other requirements also need to be secured from your city or town to ensure that you are indeed a legitimate enterprise. You don’t want to be considered a fly-by-night operation so putting together all of these is crucial to your venture’s success.

Equipment You Need

Once you’ve done your research and put together your business plan, you will need to purchase your equipment. The equipment you need should include the following:

  • Washing equipment – This will include a power washer, buckets, sponges, squeegees, cleaning chemicals, and other similar items.
  • Polishing equipment – For your polishing list, include microfiber towels, polishers, buffers, and products used for polishing such as wax and the like.
  • Interior equipment – This list will include fine brushes for removing dirt in crevices and cracks, vacuum cleaner, protective spray for surfaces, and other detailing tools.

Since you are a mobile car detailing business, you will also need a vehicle to carry all your equipment in. You will also need to carry with you a portable generator for your powered equipment and your own water supply, in case your customer does not have a steady stream of water for your cleaning needs. It is also important to bring with you proper disposal containers for your dirty and used rags.

Services You Offer

When you get into this business, you also need to outline what services you will offer your customers. This should include not only the standard car wash and detailing services that most of your competitors offer. You should also include waterless car washes in your list for those who need it. The services that you can include in your list are the following:

  • Exterior wash – This includes the washing of the car’s body and wheels plus the removal of any gunk on the vehicle’s exterior.
  • Interior clean – This is where vacuuming of the car’s insides comes in. you will also need to wipe down all the surfaces within, such as the dashboard, door handles, steering wheel, etc. If the seats are made of leather, a wipe-down of these should also be done.
  • Add-on services – Your additional services can be added as individual options or as a package for whoever wants it. This can include shampooing of carpets, engine cleaning, car waxing, and many more. This is where the detailing part of your business comes in.

Once you’ve put together everything you need, you will also need to advertise and market your business. The easiest route is via social media and word of mouth. You can also hand out flyers, mount posters, and advertise on the radio or in newspapers.

Single Moms Aren’t Superheroes — We Need Help

Sometimes, people think that we single moms can do anything without any help. But that is really far from the truth. 

Kids require a lot of time and attention, something we don’t always have. That’s why some moms opt for putting their children in daycare, so they can get time to get everything done at home. 

The life of a single mom is a constant tornado. From taking the kids to school, driving to work, working hard to earn money, and then returning home to do even more chores.



The financial aspect of our life is complete chaos. We are always struggling with managing money because there are a lot of things that require investing in. 

Besides finances, something that we’re not always good at is taxes. Sometimes we try to do it ourselves, but we have so much on our mind that everything goes wrong. This is when hiring a tax lawyer or tax planning Vancouver is a necessary splurge. 

Control your expenses and always try to spend the least amount of money possible. Working a full-time job while raising a child is no easy task, so we need to make sure that the money is going towards a productive end. 


Self Care

We are so busy in our day-to-day life that we often don’t have time to take care of ourselves. 

We take such excellent care of the kids that we forget about ourselves. Self-care is vital for any person – it can liberate stress and restore your mental health. 

Being a single mother involves a lot of stress and planning, so sometimes we can feel overwhelmed by all the things that need to get done. You should take at least half an hour to yourself and enjoy a lovely hot bath, and complete your skincare routine every day.

Having a Partner

Finding someone that loves you and your child isn’t as easy as it seems. Often, men don’t want to get involved in a relationship when you have a child, and they think that a single mom brings too many problems.

But they’re totally wrong. Having a child is the best thing that could happen to anyone – you have someone that will love you unconditionally no matter what. Being a single mom will help you discover yourself and what you truly want in a relationship. 


Final Thoughts

Being a single mom is a full-time job that requires a lot of energy and patience. If you have neither of those, then you’ve got a problem. We can do a lot for ourselves, but we sometimes need a little help in order to keep us sane.

Four Tips for Better Budgeting

When you have a family to feed, you can’t allow yourself to live from paycheck to paycheck. Smart budgeting can help you avoid this situation.

Budgeting essentially means creating a plan for spending money. Although many people find it intimidating or limiting, it can create quite a relief. You may even set aside money for fun activities or ‘you’ time. How do you make that happen? Here are four tips.

Be Exact

One of the main reasons budgeting fails is that people guess the amounts they spend. Take time to set aside records of your outcomes. If you need to round, then round up.

By being exact with the numbers, you give yourself more control over your spending. You will notice your plans become more accurate with each

Be Smart With Taxes

If you struggle with putting together your tax return, get an expert to help you. Try to track everything taxable monthly and consider that number as well while budgeting.

Taxes can be complicated. However, there are people, such as this Toronto GST lawyer, who spend years learning how to help you. Don’t disregard such

Think About the Savings

Usually, people will first determine their expenses and only then decide what they will save. By doing the opposite, you will make sure that your savings are covered. Everything that remains can go into tangible purposes.

Determine how much money goes into savings. Then subtract it from the overall sum, and start budgeting from there. think-about-the-savings

Trim Realistically

You may feel compelled to start cutting away all the luxuries. This determination most often lasts for a week or two.

Instead, try to think of real examples – for instance, you buy coffee on your way to work. Then, set up a viable alternative – making coffee at home and carrying it with you. That way, your plans are much less likely to fail.trim-realistically

The Bottom Line

By setting aside some time at the end of each month, and sticking to the plan you’ve created, you will notice a significantly decreased number of money-related headaches. It’s not that difficult, either, but it takes time. 

Be patient and see your financial situation improve as you get more accustomed to the simple practice of budgeting.

Single Parenting Struggle: Surviving the High Cost of Living

Commercial Photography

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So, you’re busy fixing breakfast when your teenage daughter asks if she can have $20 to buy a new shirt.  As you fumble through your badly-beaten faux leather purse, you get the shock of your life as you realize that you have barely enough money left to see you through next week’s round of groceries!

I totally get you.

That has happened to me so many times.  No matter how hard I try to make ends meet, I always seem to run out of funds.  I sometimes want to pull my hair out from sheer frustration.  

Imagine my surprise when I learned that the cost of typical family activities like going to the movies or amusement parks is higher for single parents than for two-parent families.  Talk about the financial struggles of single parenthood!

PayPlan, a debt management company, did some research on this and found out that single parents end up spending more on simple family activities because of “family deals” which normally target two-parent families.  After studying various offers from brands that provide family activities and travel services, they concluded that single parents do pay more every time.

If a single-parent family did all these family activities in a span of a few years, their total expenses will turn out to be £2,904.95 MORE than a two-parent family’s.  

Here’s an infographic to better illustrate it:

Commercial Photography

Awareness is key.  Now that you’re more informed on the difference in expenses between single-parent and two-parent families, how do you plan to manage your finances?

Reasons Why You Overspend

Do your bank account and wallet run dry before every payday, regardless of what you do to change things? Do you have the overspending curse?

First off, you are not alone. For most people, resisting the allure of an impulse purchase is one of the most difficult things to do. While this does not mean that you do not understand the importance of smart financial decision making, it’s important to recognize why you’re unable to cultivate positive financial habits to leave you with some money at the end of the month.

But whether you overspend through impulsive purchases or through neglecting your savings, you must understand why you overspend to stop this damaging habit.

It’s also important to remember that overspending is as simple as buying an expensive morning latte when you cannot afford it. Saving money could and avoiding debt could be as simple as you making a trip down to the barber shop down the street once a month or shaving the hairs at the back of your head weekly to cut down the cost of shaving hair. Saving could be as simple as brewing your coffee at home or carrying lunch to work because you cannot afford to buy lunch every day.

Why then do you overspend?


Do you think that your overspending comes from you having no idea about just how much money leaves or enters your wallet every day? While you might have an estimate of the amount of money you pay for clothing, gas, or groceries, it’s not enough if you’re going to have money at the end of the month. You must sit down and determine where your money goes. You can avoid overspending easily by tracking all your expenses.

Making purchases using a digital wallet or a credit card

Credit cards and digital wallets are convenient, but they are also leeches that drain your account faster than you can bat your eyes. These convenient payment options fuel overspending, and this happens because you are unable to monitor your spending habits.

You should remember that it is very easy to part with money. So, starting today pay using cash and you will see how easy it is for you to say no to an unplanned purchase. You cannot spend more than what you have budgeted when you have cash. All you need is discipline; a great deal of discipline.

Lack of discipline

Of course, this ties to the point above – you might not want to hear this, but you overspend because you lack the willpower to say no to something you think you want or must have immediately. For most people, overspending comes from the fact that you fail to think or plan ahead. The truth is that if you have a long-term goal that really matters to you, you will be more careful about where all your money goes, and you will stop yourself from making that impulse purchase if it doesn’t help you achieve your long-term goals. For example, you will stop spending a lot of money on unnecessary things if you know that you need to save up for your child’s education.

Want to stop overspending? Create a concrete/ reasonable spending plan, have a concrete/ time-tied goal, cut spending, automate your savings, calculate your work cost, and identify other ways of rewarding yourself.

Which Clover POS System is Best for Your Restaurant

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Running a restaurant requires organizing and overseeing many different moving parts. From the food to the service and accounting, these tasks are hard to keep organized. POS systems for restaurants such as the Clover Station 2018 are designed to streamline certain tasks and help you run the daily operations smoothly.

One of the top restaurant Point of Sale (POS) system options is Clover. With its perfect balance of flexibility and capability, this POS system offers some of the most restaurant-friendly POS systems on the market.

POS systems help restaurants with multifold tasks such as:

  • create a faster billing process for both the staff and customer
  • accept multiple types of payment for orders
  • allow you to add detailed information and images for each of your listed menu items.
  • help with ordering and delivering food on time to the right table.
  • make detailed reports about sales and expenses
  • track inventory levels to prevent ingredient shortages
  • reduce human error in calculations
  • offer loyalty programs to improve customer service
  • track employee activity and performance
  • integrations with online ordering and reservation software and much more

Merchant Account Solutions offers a seamless solution with a range of the best Clover POS systems for all types of food and beverage establishment.

The mobile Clover Flex device offers you “flexibility” whether you’re checking out customers waiting in-line, table-side at a restaurant, or even at the counter of your store. You have the ability to take orders and make transactions all in the palm of your hands. It’s portable size can let you take orders, process a transaction, print the receipt, get the customer’s signature, and even adjust a tip right on the spot.

The Clover Mini is a compact POS with a small countertop footprint and a big appetite for business. It offers swipe, EMV chip and contactless payments, and it’s as powerful as it is eye-catching

Clover Mobile is the perfect partner for Clover Station or Mini, and the perfect complement if you have mobile workforce. Credits cards, debit cards, chip cards, and NFC payments like Apple Pay are all quickly processed on Clover Mobile’s super secure network.

Whether you run a full service restaurant or bistro, food truck or pizza eatery, Merchant Account Solution’s Clover and Booker POS has a range of solutions to suit your type of eatery business.

Never Take Out a Personal Loan Until You Understand This

There are times in your life when there is something you really want to buy or pay for but the funds just aren’t there. Maybe you have a job, a really good job at that, but for one reason or another simply don’t have the funds necessary to make the transaction. Whether it’s paying an unforeseen bill or buying that new outfit for Aunt Julia’s wedding, you need more money than you currently have available in your checking account.

You’ve heard of personal loans and even have friends who have qualified for them, but until now you have never had recourse to apply for one. Well, the time is now and, unfortunately, you don’t know what to do. You don’t know where to look or how to get started looking. Actually, there are just a few things you should know and these are things you can learn quite easily. Here is some of what you need to know before going shopping for that personal loan.

Credit Scores vs. Credit History

If you have spent any amount of time online, you know that your credit score is important in almost every aspect of your life. This score isn’t actually your creditworthiness but rather an indication of your creditworthiness based on your credit history. There are three main credit bureaus in the United States when you go to apply for a personal loan: Equifax, Experian, and TransUnion.

Each has its own criteria for assessing your credit score, but your credit history is huge. It is, as the name sounds, how you’ve paid loans and other bills in the past. When applying for a personal loan, a lender will glance at your score and if it falls within a certain range, they will look more closely at your personal credit history.

Building Credit with Personal Loans

One of the things you should be working to accomplish when qualifying for a personal loan is to build credit. Here again, your history is going to be huge. If you want to build good credit to qualify for future loans and perhaps even larger ones like for an automobile or a home, it is imperative that you build good credit.

Personal loans are a way to build that credit, so don’t abuse them. And, it is even suggested that many lenders will not offer you a personal loan if you already have one that remains unpaid, even if it is in good standing. Some lenders have a one personal loan policy no matter who underwrites the loan.

Online vs. Brick and Mortar Lenders

There are two main ways of applying for a personal loan but most consumers in the 21st century seem to prefer the online route. Sometimes you can have your preliminary approval within mere seconds when applying online and that’s what most people prefer. It is a lot less hassle than driving from bank to bank or lender to lender, and you can even use a comparison website where your application will be submitted to several lenders at once. Then you can check out the rates they offer and other terms before applying to the lender of your choice. Remember, just because those lenders came up as possibilities it doesn’t mean that you have to choose them, and it doesn’t mean that when you make your final application, they will approve your loan. Everything is contingent on making that final application.

What Most Lenders Require You to Have

Whether applying online or at a brick-and-mortar establishment, you will need to meet certain criteria. Most lenders will require you to have:

  • Proof of income
  • A bank account
  • Proof of age – usually 18 or older

And again, most lenders will not want you to have an existing personal loan. The amount of the loan you may be approved for will almost always be based on what lenders feel is your ability to repay that loan. It is unclear why they don’t want you to have an existing personal loan, but most likely it is because this shows your credit problems run deeper than what is indicated by your credit score and history. It may also indicate that you have problems paying debts on time and so need to procure another loan to help you pay existing bills!

What Delinquent Payments Will Mean to Future Loans

This is something else you should understand prior to taking out a personal loan. If you have any doubts whatsoever about your ability to repay that loan timely and eventually in full, you should not take out that loan. Your ability to qualify for future loans will be based on your credit history, just like this loan. What you need to do if you have any doubts whatsoever is to stop long enough to consider whether you really need that money or if it’s a want rather than a need.

Reasons Why That Personal Loan Is Important

Sometimes it’s good to take out personal loans simply because of what they can mean to you in the future. Some people take out personal loans to finance a vacation and other times they use personal loans to pay off the existing debt at lower interest and finance rates. If you are trying to build credit, a personal loan is a great place to start simply because they are usually loans with smaller amounts being borrowed.

Someday you may wish to buy a new model car or a home, but for now, you may simply be trying to build your credit. This is one of the most popular reasons for taking out personal loans but just remember, timely payments are crucial. Always compare interest rates and only borrow what you know you can afford to pay. See which agencies they report to and if they don’t report to all three, which credit bureaus will have the greatest impact on future loans you may want to procure. Once you’ve learned the above, you should be good to go.

How to Earn Money While On Maternity Leave

            Several decades ago, women who had recently given birth to a kid were homestay housewives taking care of a child until he or she reached the age of kindergarten or even school. However, modernity is completely different: a newly-fledged mom puts a sling on, takes a baby everywhere with her, and discovers her talents.

            First of all, the wish to earn extra money, thus, increasing the family budget, is the main target. In such a way, a family can travel more and discover the world. There are different ways to gain some profit even being abroad. Let’s say, in an online casino Singapore provides, thus, making use of websites, it is feasible to win money while gambling.

            Modernity and the Internet provide moms with plentiful ideas and opportunities for personal realization. Thus, they can afford living an interesting, full, and fascinating life while kids are growing up.×827.jpg

Several Ways to Make Money on the Internet

  1. Classic informational business. Right after becoming a mom, there are so many questions and so much unknown in maternity. However, after reading numerous books and articles, as well as gaining own experience, a woman becomes an expert in certain fields. Thus, one may start own blog sharing this information with the other young moms who have got the same questions after coming back home from the hospital.
  2. Writing and publishing digital books. It is another implementation of the previous possibility. Additionally, writing skills are required. With the possibility to publish a book in digital format, it is easier to spread and promote it.
  3. Internet shop is the next possibility. The number of stores, online and offline, is endless, one may say. However, it does not mean that a new shop won’t attract customers. Offering good service and some peculiarities making a new online stand out are the keys to success.
  4. Webinars and master-classes conduction. Taking into account that only a webcam and headset are needed, it is a low investment business. It is essential that the topic is to be up-to-date as well as the speaker shall be qualified in the subject. In such a way, professional skills acquired before maternity leave can be applied and even improved.
  5. Arranging a kindergarten at home. This possibility, of course, requires some space at home. At first, the Internet will be used to advertise and to find kids who will be brought. It would be an advantage if a webcam is installed with the online broadcast of what is going on. In such a way, the trust of parents will be gained. This idea may be further realized in a private kindergarten.
  6. Coaching and consultations can be carried out online as well as offline. Depending on qualifications, a woman may think which knowledge she could share with the other people, as well as provide advisory services and assistance.×768.jpg

Modern technologies and the Internet have given a huge gift to present-day moms. They go on communicating with the world as long as they have the chance to implement their ideas and talents in life making a profit without the need to look for a full-time babysitter.