Connect with us

News

Shop Smart & Save Money 2019

Published

on

[ad_1]

In this eCommerce era, it has become possible to find the best deals using a smartphone or a laptop, and get it shipped to your doorstep. It also became possible to score deals in stores, online and through apps.

There are 3 ways to shop smart and save money in 2019, before buying, while buying and after purchase.

1-How to save money before buying an item?

When I find a product I want or need, the first step is to decide whether to purchase it online or in store. Then what store or online platform offers the best quality to price ratio. I also look at some elements that I believe to be very important before making any purchase:

-Shipping Policy: It’s important to know if a price tag online comes with free shipping or if the customer is responsible for this cost.

-Return Policy: It’s also important to find out if a seller or a shopping platform offers free returns or not. With a free return policy in place, the seller will pay for the return shipping cost if the customer doesn’t like the item received.

-Location: Where is the item you are purchasing being shipped from? The items origin location will determine how long it should take for your item to arrive. However there are a lot of online sellers that use the drop shipping method. When the consumer purchases, the seller (who doesn’t have the item on hand) then has the manufacturer or a 3rd party entity ship the item to the customer. These items are usually being shipped from overseas from countries like China, which will take a lot longer for the for the item to arrive. If you are OK waiting that long for shipping it makes no sense to go through a drop shipper, you could pay less by going directly to Alibabba or ALiexpress websites.

Following are some ways I use to score some good deals

Disclaimer: This post contains affiliate links to products. We may receive a commission for purchases made through these links.

Shop & Save Money

-Goodwill Outlet Store

Goodwill Outlet is a good example of a store that I never visited before 2018. Now I can go there and buy as many items as I want for very cheap, and if I’m lucky enough that day, I can find some brand name items, to keep or resell online. I can pay up to $1.49 for a pound of clothes (prices vary depending upon location). The Goodwill outlet in my opinion is not only for someone who resells online. I encourage you to visit the Goodwill outlet store in your area, it’s an experience that you will enjoy if you like finding deals, and it’s for a good cause. If you decide to go after reading this article or if you have been there, please share with us your experience in the comments area for everyone to learn from

-eBay Auctions

eBay is another platform where you are most likely to score a deal. It’s in my list of smart ways to shop online in 2019 for 3 reasons:

1. Huge inventory with a possibility to make an offer, which gives you some control over the price to are willing to pay for an item. If the seller accepts you have a deal.

2. HUGE number of auctions you can win for cheap if you know what you are doing. I usually score a great deal quickly by bidding on auctions that are ending soon with no bidders. I found out that winning auctions is a great way to save money and shop smart.

3. Rare finds in all categories

eBay has been around for a while and has a strong brand that offers a good buyer protection policy and has trust from around the world.The eBay platform is another smart way to shop, and also get rid of unwanted items around the house. I sell on eBay and keep a Top Rated seller status with a 100% customer feedback, just by keeping my prices low, accepting reasonable offers, and trying to give the best customer service possible. You can still get a good feedback even if the item isn’t brand new, as long as you are honest and mention any scratches or blemishes in the description. You can find my store on eBay here. I will appreciate it if you check it out.

-Poshmark

I love the poshmark app because It’s easy to use, and it’s a great way to find some good deals in the clothing category. As a posher, you can make offers on items you like and use the power of negotiation to your advantage to ask poshers to lower their prices. You can also follow the sellers you like and join parties based on brands or item categories you’re interested in.The Poshmark App made it to my list of smart ways to shop in 2019 because it allows it’s members to be buyers and sellers at the same time. It’s a great way to clean up your closet and get rid of the clothes you don’t use anymore.If you don’t have a Poshmark account, you can receive a free $5 bonus when you sign up with my code SARADRETAIL.

Disclaimer: If you use my code to sign up to poshmark for free, you will receive a $5 credit and I will receive a $5 credit after you make your first purchase. Please leave me a comment below to follow your closet, you can check out my closet here.

-ThredUP:

ThredUP is another website that makes buying brand name preowned clothing and accessories affordable.Their customer service is great, their shipping is quick, and their prices are some of the best in the market. Every purchase I make in the thredUP website is a deal. Check it out here if you are looking for some high ticket items for a really good price. Some of the brands available on thredUP: GUCCI, BURBERRY, GIORGIO ARMANI, MAX MARA, J.CREW, THEORY, COACH, VINCE, MICHAEL KORS…

2-HOW TO SAVE MONEY WHILE BUYING AN ITEM?

There are a couple of different ways to save money while buying products. When you are buying online, depending upon your platform (ie. eBay, amazon, poshmark, craigslist, letgo, offerup, etc.) you may have the power of negotiating your price. Haggling over price is still used in many cultures all over the world, but ultimatley as a buyer we haggle to get the best price we can. Many platforms now have a way to haggle through “Best offer” or “Make an Offer” options. Of course the seller ultimately gets to decide to accept, counter or decline the offer. As long as you offer a reasonable price and don’t low ball in most cases you can expect to pay a lower price than originally was being asked.

Another way to save money online is through coupons, ecoupons, and promo codes. You may be thinking did I just read coupons, aren’t those the things my mom cuts out of the Sunday paper. Well they aren’t just for in store purchases any more. Everything is online now-a-days and that includes discount coupons. There are websites that offer online discounts and printable coupons for almost any item, any store and any retailer at the click of button. These discount codes can be entered at checkout to get anywhere from 10-70% off your total purchase. Plus on many platforms if you bundle (purchase more than 1 item from the same seller) your purchase you can save even more.

Coupons have been used at grocery retailers for over a hundred years. With technology retailers are now able to offer their customers direct mail and email coupons, they can put coupons on their website and customers can even save them on their phone. There are coupons available for any item, any discount and any retailer. Its just a matter of finding the best coupon to use for your purchase.

Here you can check out Coupons.com for some good deals.

Shop Smart In 2019

3-How to Save money after purchase?

3-How to Save money after purchase?

You may be wondering what I mean by saving money after you have made a purchase. It doesn’t make sense that you can save money after you have already purchased an item. Well in actuality I mean cash back rewards. Cash back rewards allow you to earn cash back on any item you have purchased, in turn allowing you to save off the purchase of that product.

We are in the age of apps. We have become glued to our phones, never letting them out of our site, using them to not only make phone calls but browse the internet, purchase products, watch tv, read a book, etc. Apps have become a normal part of our phones anatomy. And there are some apps which allow you to make cash back by doing your normal everyday shopping. These apps include Ibotta, Shopkick, Receipt Hog, FetchRewards, etc. The basic premise of these apps is once you make a purchase you upload your receipt and based upon the items purchased and total spent, you will receive a point value. The points equal a dollar amount and once you reach a certain points total you get that dollar amount either through paypal or through gift cards, etc. Each app has its own unique additions such as getting points just to walk into a store, or scanning certain products. Its nice to know that you can get rewarded for doing normal everyday things such as shopping.

These are the apps I use. If you sign up under me you will get starting bonus:

Ibotta: gyrrrvo

Shopkick: SAVE219356 – get 250 kicks for signing up

Fetch Rewards: YF8AD – get 3000 points for signing up

[ad_2]

Source by Sarah Labdar

News

Where to Find Those Efficient and Hardworking Affiliates?

Published

on

[ad_1]

Everyone wants a hardworking affiliate, employee, associate, partner, or even spouse, and why not? It’s the next best thing to doing the work yourself. However with the massive outbreak of work and income opportunities available online, how can you beat everyone else and find that one (or more) ideal person who will make your online business explode with success? Here are some of the most ingenious and uncommon ways to snag the idea affiliates for your affiliate program

Direct Sales Agents

Direct sales people are really one of the most enterprising, hard-working individuals in business. They mostly work on commissions or rebates and are willing to literally go door-to-door offering their products to anyone and everyone they bump into. Imagine how much easier their job would be if they could be an affiliate and simply work via the Internet and a mobile device or desktop.

Also, most direct sales people tend to carry more than one brand in their product arsenal so signing up as an affiliate would be almost the same type of work but using a different approach.

Colleges and Universities

Many college kids would be interested in a part-time income opportunity if it would mean funds to help pay for their education, loan, or partying. All you have to do is make sure to offer them products they can endorse as a student.

Freelancers

Did you know that the U.S. Census Bureau’s latest annual report show that 75% of U.S. businesses used freelancers in 2011? Freelancers earned a whopping US$990 billion in 2011 which is a 4.1% increase from the previous year. The only industries where the number of freelancers decreased were in insurance, finance, and construction. Most probably your affiliate program isn’t a part of these 3 industries.

Furthermore, online business and finance experts are predicting the growth to increase incrementally every year even with an economy that is improving. People just want income security and more control over their earnings. With the spate of lay-offs, it’s understandable why many would prefer to work as an affiliate than as an employee.

Scout For Them At Affiliate Conventions

There are annual affiliate conventions held in different cities around the country. You should try to catch one when it is held somewhere near your location. The average turn-out for these types of conventions has increased regularly over the years. Last year, many of them were sold out weeks before the event.

Advertise!

The US Census Bureau has said that as of 2012, 15% of Americans are poor, 43% of young adults depend on their parents to some extent for money. Even more surprising is that the median income of young adults in 1982 was $31,583 and last year it was $30,604 for the same age group! Income is dropping and people are looking for ways to earn additional income outside of their 9 to 5 jobs. That’s where you can come in playing the hero and helping others realize their dream income.

Finally, go online and talk about your product. Make the affiliate marketers come to you and have the luxury of picking the best candidates. You will need some help in marketing your affiliate program so target a marketer who’s experienced in affiliate program and SEO.

[ad_2]

Source by Lina Stakauskaite

Continue Reading

News

Recession Is Here… Six Costly Mistakes Home Sellers Make During Recessions And How To Avoid Them

Published

on

[ad_1]

The U.S. is officially in a recession. What is a recession? A recession is a business cycle contraction or general economic decline due to significant drop in spending and other commercial activities. Most pundits and politicians will blame Covid-19 crisis for the recession, but even pre-Covid-19 the proverbial writing was on the wall.

The U.S. had over 120 months of economic growth, which was the longest expansion in the modern history. Other indicators, such as negative yield spread on treasuries (long term bonds having lower interest rates than short term T-notes), were pointing to an imminent change of the economic cycle and an impending recession. The only real question was: when and how bad?

Then Covid-19 came… If the cycle was going to change anyway, Covid-19 acted as a huge and unexpected accelerant to make the recession much more immediate and severe.

Inevitably during recessions all classes of real estate, including residential homes and condominiums, will be negatively impacted as lower consumer spending and higher unemployment rates affect real estate prices and marketing times.

Here are the six costly mistakes home and other real property sellers make during recessions and how to avoid them:

Mistake #1: This will pass and real estate market will be hot again soon

First thing to remember is that real estate cycles are much longer than general economic cycles. Even if the general economy recovers, which eventually it always does, a typical real estate cycle takes as long as 10 to 15 years. The cycle has four key stages: Top, Decline, Bottom and Rise.

Let us consider the last real estate cycle, which lasted approximately 14 years:

  • 2006 – Prices hit the Top
  • 2006 to 2012 – Prices Decline
  • 2012 – Prices hit the Bottom (Trough)
  • 2012 to 2019 – Prices Rise*
  • 2020 – Prices hit the Top
  • 2020 to? – Prices Decline

*NOTE: In 2016 the national residential real estate price index reached its pre-recession 2006 peak levels. It took 10 years for the real estate market to recover.

The way to avoid this mistake is to recognize that real estate cycles take years to run and plan accordingly. Additionally, nobody knows for sure when the prices will hit the top or bottom until after the fact.

Mistake #2: Low interest rates will make the economy and real estate market rebound

Between 2006 and 2011 the interest rates (Fed Funds) were continuously cut by the Federal Reserve Board and went from low 5% to almost 0%. However, that did not stop the real estate recession and depreciation of property values.

Undoubtedly, low interest rates made the economic decline and real estate recession less severe and saved some properties from foreclosures, but it still took six painful years for the real estate market to hit the bottom and then four more years for the prices to go back to their pre-recession levels.

Some markets had never fully recovered. For example, residential home prices in some parts of California, Arizona and Nevada are still below their 2006 highs.

To avoid this mistake, one needs to realize that although low interest rates help stimulate the economy and the real estate market, they do not cure them.

Mistake #3: I don’t need to sell now, so I don’t care

If you do not need to sell until the cycle plays out, which typically is over ten years, then you will not be as affected, especially if you have a strong equity position, limited mortgage debt, and solid liquid assets.

However, it is good to keep in mind that “life happens” and either professional or personal circumstances can change and we may need to sell property before the downturn runs its course.

Furthermore, if a property has a mortgages and its value declines to the point being “upside down,” meaning the mortgage loan balance exceeds the value of the property, then the options of selling, refinancing or even obtaining an equity line of credit, will be significantly limited.

This does not mean that everybody should be rushing into selling their real estate if there is no need to do so, just keep in mind that circumstances may and often do change and property options will be affected, so plan in advance. As one wise proverb says: “Dig your well before your thirst.”

Mistake #4: I’m selling, but I won’t sell below my “bottom line” price

This is a common and potentially very costly mistake. Generally speaking, every seller wants to sell for the highest price and every buyer wants to pay the lowest price. That’s nothing new. When selling real estate, most sellers want to achieve a certain price point and/or have a “bottom line.”

However, it is important to understand that the market does not care what the Seller, or his/her Agent, think the property value should be at. The market value is a price a willing and able buyer will pay, when a property is offered on an open market for a reasonable amount of time.

Overpricing property based on Seller’s subjective value or what is sometimes called an “aspirational price,” especially in a declining market, is a sure first step to losing money. When a property lingers on the market for an extended period of time, carrying costs will continue to accumulate and property value will depreciate in line with the market conditions.

Additionally, properties with prolonged marketing times tend to get “stale” and attract fewer buyers. The solution is to honestly assess your selling objectives, including the desired time-frame, evaluate your property’s attributes and physical condition, analyze comparable sales and market conditions, and then decide on market-based pricing and marketing strategies.

Mistake #5: I will list my property for sale only with Agent who promises the highest price

Real estate is a competitive business and real estate agents compete to list properties for sale which generate their sales commission incomes. It is not unusual that Seller will interview several agents before signing an exclusive listing agreement and go with the agent who agrees to list the property at the highest price, often regardless if such price is market-based.

Similarly to Mistake #4, this mistake can be very damaging to Sellers, as overpriced properties stay on the market for extended periods of time costing Sellers carrying expenses such as mortgage payments, property taxes, insurance, utilities and maintenance.

Furthermore, there is the “opportunity cost” since the equity is “frozen,” and it cannot be deployed elsewhere till the property is sold. However, the most expensive cost is the loss of property value while the real estate market deteriorates.

During the last recession, we have seen multiple cases where overpriced properties stayed on the market for years and ended up selling for 25% to 40% below their initial fair market values.

The solution is to make sure that your pricing strategy is based on the market, not empty promises or wishful thinking.

Mistake #6: I will list my property only with Agent who charges the lowest commission

Real estate commission rates are negotiable and not set by law. A commission usually represents the highest transactional expense in selling real properties and is typically split between Brokers and Agents who work on the transaction

Some real estate agents offer discounted commissions, in order to induce Sellers to list their properties with them. But does paying a discounted commission ensure savings for the Seller? Not necessarily.

For example, if the final sales price is 5% to 10% below property’s highest market value, which is not that unusual, due to inadequate marketing, bad pricing strategy, and/or poor negotiation skills, it will easily wipe out any commission savings and actually cost the Seller tens of thousands of dollars in lost revenues.

The solution is to engage an agent who is a “Trusted Advisor,” not just a “Salesperson.” A Trusted Advisor will take his/her time and effort to do the following: 1) Perform Needs Analysis: listen and understand your property needs and concerns; 2) Prepare Property Analysis: thoroughly evaluate your property and market conditions; 3) Execute Sales and Marketing Plan: prepare and implement custom sales and marketing plan for your property; and 4) Obtain Optimal Results: be your trusted advocate throughout the process and achieve the best possible outcome.

Finding such a real estate professional may not be always easy, but it certainly is worth the effort and will pay off at the end.

In conclusion, this article has outlined six costly mistakes real estate Sellers make during recessions and how to avoid them. The first mistake is not understanding that real estate cycles are long and take years. The second mistake is a misconception that low interest rates alone will create a recovery. Another mistake is not realizing that circumstances may change and not planning in advance. Mistakes number four, five and six pertain to understanding the market value, proper pricing and selecting the right real estate professional.

By understanding and avoiding these mistakes, real estate Sellers have significantly better chances of minimizing the negative impact of a recession while selling their properties.

[ad_2]

Source by Robert W. Dudek

Continue Reading

News

Useful Tips To Build The Best Gaming Computer

Published

on

[ad_1]

Every gamer will want their computer to be the best gaming computer among their peers. Sometimes, with a little knowledge and tips and tricks, it is possible to build the best gaming computer and show it off to your peers. This article will show you how:

1) You can’t get the best gaming computer from computer retailers

If you want to get the best gaming computer, you have to build your own. Different gamers have different requirement for their gaming machine. Unless you are willing to pay a high price, you will not be able to buy a commercial computer that fulfills all your gaming needs. The only option you have is to build your own gaming computer.

2) You don’t have to be rich to build the best gaming computer

It is not necessary to burn a hole in your pocket to build the best gaming computer. With some due diligence, do some market research and compare prices around the marketplace. Merchant such as TigerDirect and NewEgg give regular discount to their products and you could save a lot of money if you catch them during their promotional period.

3) Most expensive parts do not have to be the best part

Sometime, the latest model or the most expensive model does not have to be the best part for your computer. It requires various components to work together to form the best computer system. When choosing a computer part, what matters is how well it can integrate with the rest of the components. Compatibility is more important than individual performance. What use is there if you spend lot of money on the latest quad-core processor and find that your motherboard doesn’t support it?

4) You don’t need to change the whole PC to own the best gaming computer

It is a misconception that you have to change the whole gaming machine to build the best gaming computer. If you already have a good barebone system, what you need to do is to upgrade the necessary parts and your gaming computer can roar back to life instantly.

5) Brand is important

Unless you want to see your computer system malfunction every few days, it is important that you purchase the parts from branded manufacturers with strict quality control. Motherboard brand such as Gigabyte, ABIT, ASUS are some quality brands that you can consider

If you follow diligently to the tips stated above. You will be on your way to build the best gaming computer. While price can be an issue, it is better not to scrimp on important computer parts such as motherboard, CPU, RAM and graphics card as it will cost you more to upgrade in the future.

[ad_2]

Source by Damien Oh

Continue Reading

Tags

Live Statistics

Trending