Money Savings

Financial Savings Tips

Benefits of Mobile Payments for Your Business

In the world of business and retail, the advancements in technology devices are making the act of business transactions more efficient and accessible for customers and business owners. The advent of mobile device payment options have come into the forefront of retail sales procedures in a big way this decade. This allows customers to pay on the go with a smartphone, tablet, apple or android device. When devices are linked with the correct applications and accounts, this makes online mobile payments a breeze. For businesses deciding whether to utilised this form of payment, here are a few of the advantages of the use of this technology.

– Safe and secure: Your customers data for their accounts and cards will remain safe with special encryption during the transaction.

– Inventory: Upload pictures, add descriptions and access your inventory data quick and easy on a mobile device.

– Sales history: You can view and manage sales history in an easy, effective manner when people use online devices. You wont have to wait to settle totals as when it comes to the past electronic transaction process of Eftpos.

 

The real benefits of utilising new methods of mobile payment devices lie beyond just these examples – it’s all about the efficiency and ease of the purchasing experience for customers. When your business boasts the use of these innovative technologies, your company is seen as a reputable, modern and innovative business which will draw even more customers to your retail products or services. There are many devices out there for you to choose from, and you can find a great selection of the range online, as well as expert advice and tips for which device is right for you.

For more information on Mobile Payments contact ARX Payment Services: http://arxpay.com/

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Money Savings

Biweekly Mortgage Payments Can Help You Plan for Retirement

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What are your retirement ambitions? Do you want to be unencumbered by debt and have more wealth; travel often; relish in your stress-free golden years in your totally paid off home? To live comfortably in retirement, you may no longer be able to rely only on Social Security. And company pension plans that pay a secure income for life are relatively nonexistent these days. That’s why, no matter your age, it’s important to strategize and start construction of a solid nest egg right now.

 

Figure out where you stand financially and if you’re on the correct path to fiscal security in retirement. Do you have IRAs, 401(k)s or other resources to liquidate in retirement? If not, start now with good planning and investing. Your remaining years at work are your last chance for putting away money in tax-advantaged retirement accounts and producing an emergency fund for unexpected expenditures.

 

Senior homeowners often fear that their income will decline when they retire while their mortgage payment lingers. But what if you no longer had a mortgage? One of the best routes just might be to pay off your home loan in advance, prior to retirement, then start saving the money that would have gone to the mortgage. If you start with enough years before retirement, you can do that by making a biweekly mortgage plan.

 

Instead of sticking with the old-style monthly premium, a biweekly mortgage plan can pay off with increased savings and financial stability in retirement. Biweekly mortgage payments can also work well for other varieties of sizeable debts, such as car loans or credit cards.

 

Here’s how it can be done: You pay half of your monthly mortgage payment biweekly. Meaning that you end up making 13 payments annually instead of twelve (52 weeks divided by two equals 26 periods), however you’re paying just marginally more with each payment. Withdrawals from your account biweekly fit easily with paychecks and your monthly budget, while an extra half-payment twice a year toward principal diminishes interest over the life of the loan — visit AutoPayPlus.com for all the details.

 

If you have a 30-year mortgage for $272,000 at 4.5%, this approach can save you more than $37,000 over the life of the loan. And you’ll retire your debt 53 months earlier!

 

Use the AutoPayPlus loan calculator as a blueprint for determining how much more money you’ll need to apply toward your debts with biweekly payments for the faster loan payoff you want. Recalculate and test out different scenarios to see how a biweekly mortgage payoff plan can help you eradicate debt earlier, build wealth and attain your goal of a golden, secure retirement.

 

Use biweekly mortgage payments to pay off your home loan faster and save more for the retirement you’ve always wanted by going to AutoPayPlus’ website at: http://www.autopayplus.com

 

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