Money-wise advice for your 20s

The 20s are an important time period in one’s lives it’s a time when you’ve begun earning or are pretty much into your first or second job, you have the spending power. However, handling money is not something all of us are equipped with and we need advice and tips lest we are left wanting later in our lives.

Here are some well-worn money tips for your 20s:

Negotiate your salary right: If you don’t do this right, your earning potential for the rest of your career will be affected. Make the right connections and seek them out to vouch for you during evaluation. Be proactive and ask for a review six months into the job. This way you will know if you want to stick to the job or not or what else can be done to solve the bump along the way.
Take advantage of your credit cards: Research and zero-in on a card that will give you rewards you actually benefit from. But that would mean that you would need to pay back in full every month. Balances that are untended to, can mean accumulating interest. So if planned well, you could be covered through the month without hassles and earning rewards like discount and gift card along the way!
Avoid being fleeced on ATM fees: Avoid withdrawing money from ATMs other than your bank’s ATM. Little costs tend to add up. Withdraw $20 every time you are paid. This will cover for some small and big expenses like meals, tips, paying the valet, etc. Even better, download an app that helps you track the right ATM easily.
Start saving early: consider saving $100 a month in your twenties, so that you have more than a million by the time you are in your 60’s. but you start saving only during your 30’s you might end up with 50% less than that. Also, start early on a 401k, a Roth or an IRA and, with a good broker, it is never too late to put some money in the stocks.
Save more: As long as you don’t have a house to pay for or kids to raise, it isn’t much to save 20% of your earnings. This will put you ahead when you want to buy that dream house or have kids who want to go to college. Also, avoid putting money in a stable fund and invest in an equity instead. An equity might seem like a risk, but a stable fund will not see you through inflation.

Lastly, take charge, be accountable for everything you spend. Once you start noting everything you spend dollars on, you will easily be able to recognize the expenses that are simply a drain on your finances and the ones that are absolutely necessary.


  • Things to Look For While Buying Replacement Tires
    The engine is the most important component of any automobile. What is next most important thing? There is no doubt about the fact that tires are the next prominent component of a vehicle. They can be described as the fundamental parts that carry the complete weight of the vehicle. Over a period of time, tires are subjected to a lot of wear and tear. You should not hesitate to repair or replace the tires in a timely manner because a tire blast while driving can lead to life threatening accidents. Misalignment or excess wear can also result in serious accidents. All these factors make timely tire replacement an inevitable aspect. Since you can find different types of tires in the market, you must be well informed about each one to choose the right type of tires com discount tires for your vehicle. Seek the help of a dealer or mechanic if you are a first time buyer You can ensure proper maintenance of your tires by visiting a dealer or mechanic. If you are buying tires com discount tires for the first time, it is recommended to consult with a dealer or mechanic. Since these people have in depth knowledge about all aspects of tires, they can offer you the best advice. Trusted professionals help you make the right choice. Buy tires with the same ratings You should also have some fundamental information about the tires. Leaving your safety into some else’s hands is not a good practice. If there is a need for replacement, you must known that the existing tires should be replaced by ones with the same speed rating. The efficiency of the vehicle comes down when you select the tires with wrong ratings. The speed rating is decided by the way in which the tire dissolves heat. There is also load rating and it is the one that determines how much load that each tire is capable of holding. Reputable tire dealers take into consideration when you approach them for replacement and Tires Com discount tires always help you select the most suitable one at a highly affordable price. Look for the best tires and cheap tire offers Tires are available in wide range of styles, designs and sizes. There are specially designed options like run-flat tires and they offer excellent comfort and safety. These tires are capable of resisting punctures and tears as well. Their hard sidewall safeguards from deflection and you can even drive up to 100 miles on flats. Various manufacturers have come up with a wide variety of products and you have to make the right decision with the help of a trusted dealer. Tire purchase becomes a cost effective option when you identify a reliable dealer because they provide highly attractive cheap tire deals for their customers. You must check the tires for problems regularly. The traction must be reviewed on various surfaces because good traction is extremely vital to prevent accidents. Leading car manufacturers and dealers offer the best advice on air pressure levels. The most suitable pressure is decided by the size of the tire and the weight of the vehicle. The most vulnerable areas for wear and tear are the shoulder and center areas. Online shopping is the most beneficial way to identify the right brand and find out the best dealers. You can learn a lot about tires online and the online dealers can be contacted 24 hours a day to clarify your doubt. You can make the purchase at any time of the day or night. These benefits cannot be associated with conventional tire stores. These benefits have been motivating more and more vehicle owners to depend on online stores.
  • The Best Counter Depth Refrigerators In The Market

    Refrigerators are a need of every home and when it comes to buying counter depth refrigerators, a large number of options are available for customers in the country. Below listed are some of the best counter depth refrigerators which are available in the country and can be purchased either online or by visiting the nearby retail seller in your city or town.

    • Samsung RF18HFENBSR
      This is one of the best counter depth refrigerators which can be purchased for a price of around $1249 from multiple online options in the country. This refrigerator offers 18 cubic feet of space and a range of flexible options when it comes to storing food. The refrigerator also comes with a filtered ice maker and a twin cooling system which keeps food fresh for longer. The look of the kitchen also gets enhanced with the counter depth refrigerator design, the sleek built-in style also blends in with the cabinetry. Function and styling are also added to the design. This counter depth refrigerator also comes with 18 cubic feet capacity French door which can store up to 18 bags of groceries. The automatically filtered ice maker offers convenient access to ice and also provides filtered ice cubes. The LED lighting feature ensures that the refrigerator is brightly lit and all corners of the same have an equal amount of light so that the overall feel of the refrigerator remains aesthetic and even a person with low light vision is able to use the refrigerator effectively. The refrigerator is also equipped with surrounding air flow which helps in maintaining optimal temperature and ensures that air circulates evenly throughout. This refrigerator from Samsung also comes with two crisper drawers which keep your food fresh and crisp and also provide ideal storage space for the produce.
    • KitchenAid KRFC300ESS
      This refrigerator is also ranked among the best counter depth refrigerators in the country and at around $1799, this is one of the preferred counter depth refrigerators in the country. The 20 cubic foot refrigerator is much popular among the users and comes with extending fresh temperature management system which uses the sensors in a refrigerator and ensures that food remains fresh for long. This refrigerator is also equipped with interior water dispenser which provides easy access to filtered water. The crisper in this refrigerator is humidity controlled which ensures that the users not only get adjustable humidity control design but the refrigerator also provides dedicated storage option which keeps the food fresh for long. An automatic ice maker is another distinct feature of KitchenAid counter depth refrigerator which ensures that you get a constant supply of ice on hand all the time. The refrigerator comes with a LED lighting feature which makes sure that all parts of the refrigerator are amply lit. Moreover, these have been designed in such a manner that you will not need to replace these and they are also maintenance free which will make them last forever.
    • Jenn Air JFC2290REM
      This is one of the counter depth refrigerators which is available in the country and can be purchased online. This refrigerator has a sleek integrated look and comes with an internal water dispenser. Jenn Air counter depth refrigerator is also equipped with tri-sensor electronic climate control feature which is inclusive of a sensor in the fresh food and freezer compartment. It also has an external ambient air temperature sensor which provides consistent climate control. The automatic ice maker with a storage bin is also one of the features of Jenn Air refrigerator which ensures that fresh and filtered ice is always available even on a short notice. Adjustable glass shelves, automatic adaptive defrost, and max cold options are some of the other innovative features of this counter depth refrigerator which makes it much popular among the users.

    Check out the features of these counter depth refrigerators before you make your final choice and buy the best of the lot from the online store or from the nearest retail dealer.

  • How to take care of bedding supplies
    Bedding supplies are an indispensable part of everyone’s lives. Mattresses and bedspread quilts should be picked from popular brands to avoid any issue of the material. One should also know how to take care of the bedding supplies such as the bedspreads, quilts, comforters, etc. Given below are some of the important things on how to care for and maintain bedding supplies:
    • Vacuuming the mattress is something that must be done to avoid the accumulation of dirt and dust. It is also very useful in eliminating dust mites. Vacuuming also helps maintain the general consistency of the mattress and its original quality, this helps to increase the longevity of the product.
    • You should use a stain remover or cleaner to remove any spots or stains on the mattress. Stains and spots can be caused due to eating in bed. Also, homes with pets are more susceptible to stains on mattresses.
    • The use of a disinfecting spray to remove any smells and odors from the mattress would also help to kill bacteria that might be present. Do make sure that the spray being used is safe to use on fabric as it may adversely affect the fabric of the mattress. Baking soda can also be sprinkled or used on the mattress to remove odors.
    • When it comes to bedspread quilts, the procedure for their maintenance is hassle-free. All that needs to be done is wash the bedspread quilt regularly or if it is too large then send it to the laundry. In case of stains of any kind, soak the bedspread quilt in soapy water and the stain should be gone with a simple wash. Try to keep alternating between quilts from time to time in order to avoid using the same one too much as it may wear out.
    Bedding supplies are really easy to maintain once you know how. Say goodbye to troubles and issues related to bedding supplies forever with these hacks!
  • 5 affordable phone business systems to meet your business needs
    Business phone systems are an important infrastructural element for any business. Good communication helps in improving not just the sales but also the overall operational productivity of the team. The other advantages of having a good business phone system include saving money, better accessibility, and multifunctionality. There are some business phone systems available in the market that you can choose from depending on your requirements and budget. Here are our top five picks for business phone systems based on popular business phone pricing in the market.
    • Voice 8x8: Voice 8x8 offers cost-effective VOIP-based business phone system solutions. The brand is known for its excellent customer service and has some big corporate clients in its kitty. The system is compatible with most of the other systems like Outlook, NetSuite, and Sugar CRM among the many others. The company has been on the market since 2002.
    • FluentStream: FluentStream is yet another VOIP-based system whose business phone pricing and other communication services are offered at affordable rates. It offers phone systems for businesses of all scales and sizes. It also offers all the much-needed features like auto attendant, call recording, and an automate scheduling function among several others.
    • Business Voice: This VOIP phone system has been designed to suit medium and large enterprises and work on a cloud-based system. One of the most attractive features of this brand's plan is the ability to store unlimited data in the cloud. Another noteworthy feature is its high-quality data security feature that complies with HIPAA and requires a multi-factor authentication, thus ensuring that you don’t have to risk a data breach.
    While looking for a business phone system, it is important to consider some important factors. These include the scale of your business, your requirements, budget and the business phone pricing. The right system should improve your communication methods without compromising the quality and security. Apart from VOIP-based phone systems, there are other traditional business phone systems available in the market as well.
  • All about buying dump trailers
    Dump trailers are normally used in all kinds of work sites and come in extremely useful for industrial and farming applications. These trailers come in a wide range of dimensions and you need to choose what kind of dump trailer will be perfect for your use. Given below are some important guidelines that will help you understand what dump trailer is best for your need. What purpose does a dump trailer serve? Dump trailers are normally attached to some kind of pickup truck and comes in useful to transport debris, supplies and all kinds of other goods to your dumping yard. The trailer bed is tilted and once the rear door is opened, the goods inside slide out easily. A good dump trailer can serve the purpose of a dumpster, flatbed trailer or even a dump truck. One of the biggest advantages of a dump trailer is the fact that you need not tow this where ever you are traveling, since it can be unhooked from your truck or SUV and positioned in your site while you need to go an urgent errand. Important guidelines to bear in mind during selection Dimensions and Size: This is one of the most important points to keep in mind while purchasing your dump trailer. It mostly depends on what kind of load you will be towing and its weight. So, make sure that the dump trailer you plan buying will accommodate whatever you plan hauling. Bear in mind the fact that a dumping fee is charged every time dirt or debris is dumped into a garbage site if your load is mostly garbage or dirt. And going in for a bigger trailer would be advisable as it lowers the number of trips to the intended landfill and also lower dumping fee as the amount of times is reduced. Style: This is another important factor that matters while choosing your dump trailer. The various styles include Straight axle dump trailer: Normal axle position the trailer bed around 30 to 33 inches above the ground that offers better clearance for ground obstacles like debris that the trailer may come across in the site. Drop axle dump trailer: If your requirement is hauling huge items, it is not advisable to purchase a drop axle dump trailer. This trailer is also known as a low-rider, and makes use of a ramp for hauling huge equipment that even includes items that have wheels. Other models: This includes deck over and gooseneck models and ensures that you check out all models before you make your choice.
  • Foreign exchange options decoded
    Going abroad and confused about the foreign exchange aspect? Relax, it happens to the best of us. When we travel abroad there are a number of things that we need to look into so that we can make the most of the time and money that we spend there. Yet, foreign exchange is one factor where many people get stumped. There are so many options and it may get a tad bit overwhelming about which one to take, especially if you are not very good with numbers and instant conversions. So here are all the options for foreign exchange and currency. Take a look at the pros and cons of each one so that you can zero in on the best option for yourself! Converted currency: When you travel abroad, you will have to consider the country you are traveling to so that you know whether or not they use as much plastic money as countries like US would ideally use. Starting from a taxi to street food and flea market shopping, there are many places where credit and debit cards may not be accepted. So the best thing to do in such cases is to have some local currency in hand. Now, the trick is to get the best possible conversion rates. You will need to speak with your bank about converting the currency for you, or you may even speak with the tour agent or operator who usually gives the best foreign exchange rates. Converting cash at an airport is not recommended because of the unusually high rates of foreign exchange that they have. Travelers' cheques: This is another method of carrying cash when you know you can pay by card or cheque. Your bank may give you these cheques in place of dollars or any other kind of cash so that you can use the same for shopping. Most major stores and tourist attractions usually accept such a form of currency. If these get stolen, you can get your money back because this is one of the most secure options when it comes to foreign exchange. You will need to pay a flat fee for converting your cash into some amount of travelers' cheques. Prepaid cards: This is one of the most popular options for foreign exchange today. You can get an international prepaid card and load it with the desired amount of foreign currency. The operator will usually give you the best rates for that day. Then, this card can be used as a debit card at most places including stores, tourist attractions and other such places that you may visit in the new country. Credit card: Most credit and debit cards can be pre-loaded and used like a prepaid card minus any kind of fee. But you may incur a fee of 2% or more on withdrawal of cash. Yet, this is a secure spending option.