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How to Choose Your Teen’s First Smartphone

Buying your teen’s first smartphone has become a rite of passage. For many parents, getting their teens their own phones is as stressful as seeing them get behind the wheel of a vehicle. Parents want their teens to be safe, but they also don’t want their children to go broke in the process. Fortunately, if you know what features you and your teen want in a smartphone, you can find a phone that will make both of you happy and help you sleep at night. Discover the following four features to look for when choosing your teen’s first smartphone. Durability Your teens aren’t known for sitting still. They’re running, skateboarding, and moving constantly. While a case is great for protection, some phones are more prone to cracks and breaks than others. When you’re shopping for a phone, make sure you find a model that can withstand drops and dunks into liquid, such as the affordable Galaxy Note 7 smartphone on the T-Mobile network. Over the past few years, Samsung has worked to strengthen the shell of the phone’s casing and make the glass more durable. Not only do these features increase the overall quality, but the material also increases the phone’s durability. ...

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Four Ways to Make Your Home More Appealing to Potential Buyers

When you are trying to sell a home, it can be frustrating to have it listed for weeks, or even months, and not have anyone show any interest in it. If you want to sell your home as quickly as you can, you may want to consider tweaking a few things to make it more appealing to potential buyers. The following guide walks you through a few suggestions for things you can do to make your home more appealing to home buyers. Consider Adding Smart Improvements to the Home Smart homes are all the rage right now, but completely renovating your home into a smart home could cost a lot of money. Instead, consider adding a few smart elements to the home to make it more appealing. Solar panels are availavle from a variety of brands like Solarworld, and are a great option for any homebuyer who is interested in lessening their carbon footprint and living a more eco-friendly life. There are panels available in many different sizes to ensure you can find the right ones for your specific home. There are also smart thermostats that can be connected to a cell phone so that the temperature in the house can ...

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Investing 101: How to Get Started, Time The Market Well and Avoid Big Obstacles

Once you get a hang of it, you’ll realize that making smart decisions regarding your investments is pretty easy. The one question people ask themselves once they start attaining financial stability is whether there are a few ways to making a living online that involve investing. If you’re one of those individuals who want to go the investment route, then you should begin by acknowledging the fact that you’ll be remitting less money to your savings account from now on. If you have large financial commitments in the next one or two years or so, then setting aside money for investment right now would be placing yourself in a precarious position. Nevertheless, if you have no future obligations and have plenty of money lying around, then there has never been a better time to begin investing. The stock market Given you’re financially stable and all set to go, the best advice you can receive right now on what to do is borrowed from what Warren Buffett told his wife. Open an Individual Retirement Account Invest money every month to the stock market through a reputable brokerage firm e.g. CMC Markets. It’s really that simple. What many people fail to realize ...

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5 Tip to Negotiate a Lower Credit Card Interest Rate

5 Tip to Negotiate a Lower Credit Card Interest Rate

Do you use credit cards? Personally, I try to avoid using them most of the time. I’ve found that it’s far too easy to pull it out and pay for everything. Plus, I’m somehow always end up spending more than I planned. But if you are like most people, including me, you do use one at least occasionally. Of course, if you use it often, it eventually catches up with you when the bill comes in the mail. If you aren’t able to pay it off in full each month, you may end up with high interest charges to pay each month on top of the cost of your purchases. But negotiating a lower credit card interest rate can help you get your purchases paid off without wasting as much money on interest. Here are some tips to help you negotiate a lower credit card interest rate. 1. Don’t Switch Cards Although it may be tempting to try to get a credit card from a different company and transfer the balance, it may not work to your advantage. Each time you apply to get a new credit card, the issuing credit card company does a hard inquiry to your credit ...

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Keeping up with Maintenance to Avoid Having to Replace

You own many nice things. You own a home, a car and have many nifty gadgets that make your life easier and fun. But, if you don’t take care of them properly, these things can end up costing more. As a result, you may end up running up unnecessary debt. The good news is that if you maintain your valuable things they will perform better for longer. Expensive gadgets and preventative measures  Most people today own a computer, a cell phone or a tablet. These devices are very expensive and because of this, you should take every measure to protect them from damage. Your computer should have anti-virus software to prevent the dreaded blue screen. You should also use a separate outlet strip with a built-in surge protector to prevent a power failure, brownout or sudden surge from causing it to crash. Your tablet and your cell phone travel with you most places you go. Adding a protective cover isn’t to make a fashion statement, although they do come in awesome colors and patterns, but rather to protect it from drops and bangs. The same goes for your screen. For instance, if you own a Galaxy, Galaxy screen protectors will prevent the glass ...

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