Category: MONEY

Did You Know? 5 Consumer Fees You Should Stop Paying

Every where we turn, we are constantly being hit with hidden fees for this and that.  With a little planning, here are 5 fees everyone should be able to avoid: Bank Fees: Last year, banks charged non-customers an average of $2.60 to use their ATMS, on top of the $1.53 charge already levied by the consumers’ own bank.  To avoid these fees, consumers should use only in-network machines which can be located usually through the bank’s mobile app. Consumers can also switch to an online bank in which many of them will reimburse ATM fees. Airline booking fees: To avoid these fees, it is recommended to book your airfare online.  Most airlines will charge a minimum of $25 to book over the phone. Gift card fees: By purchasing a retail-specific gift card, consumers can avoid the $3.95+ fee associated with using Visa or Mastercard gift cards. Text messaging fees. While most of us have unlimited text messaging plans, the monthly charge could still be drastic.  To avoid charges altogether, consumers can download free text messaging apps like WhatsApp or Viber.  These two apps send text messages over wi-fi and avoid data charges. Event ticket fees: For smaller shows, skip the fees by visiting the box office to make a purchase directly. Checking account fees: Since 2009, the number of banks providing free checking declined from 74 percent to just 38 percent.  Always ask your bank if...

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More business, less stress

The question most business people ask is how they can get more business in the door.  Literally thousands of books have been written about this but the answer may be far easier than you think.   There are just two kinds of people out there:  People who do business with you and people who do not.  What’s the difference between the two?  THAT my friends is the $64,000 question.   Before spend thousands to hire some marketing form to read the tea leaves, sit down and figure out how much you already know.  Look at each customer who comes into your business.  What did they buy?  Have you seen them before?  How much do you know about them?  Have you ever written it down?  If you start this process, within days you will start to find trends.  Feeling a bit bold?  How about asking a question… just one question to everyone this week.  Try a simple question like:  “What do you like best about this place?”.  You may be surprised by what you find out.  Then take a look at the people who gave the answers and see what they have in common.  ex:  Most women said they like our hours.  Men said things were easy to find.  Older people liked the close-in parking.   Okay now you have some data.  Not a lot but more than you did...

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U.S. National Debt Now Stands at $1.1 Million per Taxpayer

New figures released by the U.S. Department of the Treasury reveal that the total national debt has surpassed $17 trillion, up from the $10.6 trillion it was back in 2009.  “These new figures are staggering,” Supervisor Buster Johnson stated.  “The number one job of any government is to create a balanced budget.  The federal government needs to come together to stop this out of control spending.  They claim to have lowered the 2014 deficit, but they are still spending $492 billion more than they had in revenue,” Johnson continued.  According to financial magazine Forbes, $17 trillion is just the tip of the ice berg.  “The United States has nearly a hundred times that in long-term unfunded liability,” Johnson stated.  According to Forbes, the total amount of unfunded liabilities is $126 trillion, or $1.1 million per U.S. taxpayer.  “While the US National Debt Clock may calculate that every man, woman and child owes $55,346 in funded liabilities, it is the actual tax payers that will end up paying over $1 million in both funded and unfunded liabilities to pay this debt back,” Johnson explained. According to the Senate Budget Committee, $3.7 trillion has been spent on welfare which according to Forbes has contributed the most to the rising debt.  “Social Security is not an entitlement,” Johnson stated.  “Taxpayers pay into this fund and expect the money they put in to be...

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Friday to Friday Bullhead City Real Estate Market Report

Welcome to the Friday to Friday Real Estate Market Report for August 22 to August 29. There are currently 1,732 active listings with the Bullhead/Mohave Valley Association of REALTORS® with a total listing price of $258,496,934. The average time on market is 292 and the average price per square foot is $106. There have been a total of 64 new listings entering the market this week and 38 closed properties with a total of 48 listings still pending for sale and 27 listings that have expired. This report is brought to you by Nikki Reagan at Cinque Terre Realty...

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Will Zillow Give You an Accurate Home Value?

Zillow’s a good place to start if you want to get a general estimate of what your home is worth. Zillow’s Zestimates give you a property value range, based on public records of the property’s: • physical attributes; • tax assessments; and • prior and current transaction data. The drawback? Zestimates are generated by a computer, not a person. Improvements and defects are not taken into consideration. It provides estimates for an expansive database of properties and gives a snapshot of the overall market. If you’re serious about selling, you’ll need more than a general estimate. A diligent agent...

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