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Author Archives: Glasses or Contacts

The Financial Reality of Retirement

A great deal has been written about the problems of retirement. After working for anything up to and beyond four decades everyone deserves a comfortable retirement. As life expectancy increases that may be another couple of decades, even more. The question arises about how to finance those years of retirement. Much of what is written today focuses on the lack of provision Americans are making for retirement. There is a Social Security System paying monthly benefits from as early as 62 year old yet these benefits were never designed to fully finance retirement. They are totally inadequate for doing so and too few are saving sufficient money to live the lives they hoped for after retirement. Debt Is an Issue It is difficult for anyone to predict how much they will need to live comfortably in retirement. Although people are living longer the cost of medical care increases by the year and inevitably as people age they are likely to face more bills. One thing that everyone should avoid is going into retirement with high interest debt. The obvious example of this is the credit card. Too many Americans have balances that attract high interest at each month end. Card ...

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7 Ways to Improve Internet Security and Protect Customer Data

With hackers increasingly targeting small to medium businesses, it’s time to step up your security regime. Not only will you be able to protect your customers, but you will also win their loyalty, as online shoppers are increasingly savvy and looking for reassurance. These are the top 7 actions to take right now to improve your internet security. Stop Storing Data Do you have all of your customers’ data stored in your system? Card numbers, verification codes, expiration dates – all of these things can do serious damage if accessed by hackers. Purge old records out from your database right away and keep only the data you need for refunds. It might be convenient to store this data for a one-click checkout, but the risk is just too high.  Layer Security One firewall does not make a system secure. You need layers in place – password protected areas, two-factor authentication, security scans, and additional firewalls too. Don’t rely on just one thing, because when it fails, you will be to blame. Choose a Secure Platform When you are selling things on your own website, it can cost a lot of money to get the right encryption software and handle your ...

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Use Federal Student Loan Consolidation Lighten Up Your Load!

“Education is the Key to unlock the golden door of freedom.” – George Washington Carver This statement is true until it is time to repay student loans. We are all too excited to get our student loans so that we can be further educated, the excitement to learn is good. However, we never once thought that “Hey, this may very likely become a debt to repay for almost the rest of my life!” Repaying a loan is not as easy as obtaining it. Some of us need to start repaying our loans even before we start on our first jobs, it gets increasingly worrying. Where do we even get the money to start paying the loan off? There is a way we can work around it — refinancing and consolidating our loans. Refinancing your student loan actually really means to borrow funds to pay off your existing loans. It may sound peculiar if you are hearing this for the first time because it sounds like going back to square one. The catch is this: borrow the fund with lower interest rates — it lowers the total repayment amount at the end of the day. This works because the bulk of ...

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How to Save More on Your Move

Moving can be incredibly expensive, even if you are only transferring across town and are just renting a new place. Besides all the deposits and down payments you have to pay for the new place and the services you need, you also have to pay to move all your belongings. The farther away you have to move, the more expensive it will be. With a little planning and some different decisions, you can save a lot of money on your move. Here’s how: Shop Around You have plenty of options for affordable interstate movers, and the costs will vary by company, location, type of move and many other factors. To get the best price, you need to shop around and get quotes from numerous moving companies. Call well-known companies like North American moving services, as well as smaller mom and pop type companies. Just make sure that you check out the reputation before you call so that you aren’t wasting your time with scam artists or amateurs. Be sure to get a written and detailed estimate from each company. The company might quote you a great price to lure you in but then add a lot of fees in the ...

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10 Dress Shopping Tips Every Girl Must Know

Are you going to update your wardrobe? If yes, then it is time to know about 10 best shopping tips that help you take your wardrobe to the next level. 1. Go With a Friend Two minds are better than one when it comes to selecting dress for yourself. It happens many times that a girl get confuse what to get, so a friend can help you. 2. Don’t Buy When You Are Hungry If you are hungry then you should never buy a dress. It is psychologically tested that many people select wrong item in this situation. So, eat something and then go for shopping. 3. Don’t Speed Shop Never buy in hurry. Stay calm. Try to browse different items and shop before you decide what is the best for you. 4. Try Before You Buy If you like something then it is good to try first before you make a purchase. A dress looks different on different girls, it is a fact. Try a dress, look into mirror and decide. 5. Don’t Hate Your Figure If a dress doesn’t fit you well, then you don’t need to be frustrated. If you stress then you might take wrong decision. ...

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