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Why Leading Marketing Research Companies Want To Pay You For Your Honest Opinions

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Why Leading Marketing Research Companies Want To Pay You For Your Honest Opinions

Leading market research companies want to pay you for your contributions or they would not be in business. The misconception of them being a scam is from bad sites and scammers who front as paid research survey companies in order to pry information and money from unsuspecting individuals.

It is easy to avoid this. How?… With simple research within the bio of the company.

Most research companies come equipped with accreditation to companies like TRUSTe, Survey Police, Better Business Bureau, and many other certifications. These trusted online sources provide the peace of mind for individuals who may have the fear in divulging personal information.

One major key to look out for is being asked to pay to join. All of the legitimate paid surveys on the internet do not ask for a dime to join and sometimes even pay you $5 to $10 or even more to sign up. If your being asked for money then mostly likely it is a scam. I say most likely because there are some legit products out there that may help you do surveys faster, learn how to make money from home doing them, etc.

Companies need you to provide your honest opinions. Your statistics are vital to influencing products of the future.

You may be asked to comment on a future commercial or T.V. show. Your honest feedback will contribute to a national study in order to identify what works and what doesn’t so they can deliver a much better product before it hits the market.

You may be asked for your name and email and that’s it. Most companies have this as a requirement for people to begin earning money with them. Sometimes you may be asked for your phone number to download an app, address to receive test products, or software to download on your computer or mobile phone.

What’s neat is your paid fairly quickly, usually within 24 hours after meeting a payment threshold. In rare instances you will have to wait a week or longer.

Survey companies are in abundance these days. Many have been around for quite a while. As early as the 1970’s as in the case with American Consumer Opinion. With the birth of the internet in the 1990’s they have allowed marketing research companies to expand globally and develop from just a phone and mail outreach service. Now they send them straight into your email account or through text on your phone. I am constantly hit with work in my email and phone every single day.

What you want to do with online paid surveys is totally up to you. If you like taking them for free like I do then you will probably sign up for as many legit programs as you can. From there you can develop a work ethic that is on your time and schedule. You will soon reach exclusive studies and panels from marketing research firms who have developed a long-term relationship with you and have gotten to know your profile.

Hiring Magento Developers – Where Do I Begin?

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Hiring Magento Developers – Where Do I Begin?

eCommerce development has become very popular and many businesses are looking at effective solutions to take their businesses online. Businesses see this as an opportunity to increase sales and use diversified channels for reaching out to customers. Magento has evolved as the most popular eCommerce platform and both businesses and developers find it extremely appealing to work with. Magento is a completely customizable platform and also provides businesses with the flexibility to add features as the business grows. It is scalable and appealing for the dynamic nature of eCommerce businesses.

Hiring Magento developers could be quite a daunting task if you do not know where to begin. Here are a few tips that will help you with this.

Where do I begin?

To begin with, define the scope of your eCommerce project. Make sure that you know exactly what you want. Magento has many features and equally ample extensions that can be added to give your online store a great look! But do you need all those features? Make sure that you design your store such that it satisfies the objectives of your business. Then decide what features you want.

After that’s done, the next step is quite simple. You need to find the developer that will have all the skills required to complete your task. Here’s how you begin:

Ask about the developer’s experience

Selecting a developer with all the relevant experience will ensure that you get quality output. Your website looks professional and operates flawlessly. Do not settle down for someone with lesser experience simply for a cost benefit.

Take a look at the portfolio

An experienced developer should be able to show you a promising portfolio. Another reason to take a look at the portfolio is to analyze whether the developer will be able to deliver all that you require from a website.

Communication

Make sure that the developer communicates to you all the required details. Keep your communication channels transparent. You need to ensure that the developer will be available for discussion as and when required.

Support

Make sure that you discuss support terms and conditions after the site has been developed. Many a times, businesses are at a loss of solutions if any issues arise after the project is delivered. Ensure that you discuss the terms and conditions of support before you finalize the project.

Magento developers are plenty. You need to scrutinize carefully and select the one that suits your project requirements and then take a decision. Before you begin, you need to map out all your project requirements and make sure that the developer thoroughly understands them. Keeping communications crystal clear is the key to getting thing done rightly in the first attempt.

If you do decide to hire Magento developers, make sure that you understand how to before you begin.

Check Thy Credit, Know Thy Credit

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Check Thy Credit, Know Thy Credit

According to the New York Times (2018), “… more people are checking their credit and more are knowledgeable about how the scores work.

In a survey about credit scores published this week, 57 percent of adults said they had “obtained or received” their scores in the past year, up from about half four years ago. The eighth annual survey was commissioned by the Consumer Federation of America, a nonprofit advocacy group, and VantageScore Solutions, a credit model created to compete with FICO, the dominant score provider.

Your credit is a proprietary, calculated score and those are three-digit numbers that lenders use to judge the creditworthiness of borrowers. A score summarizes information in your credit report, which is a compilation of information about your loans and credit card accounts. Generally, the higher your score, the better interest rate you’ll get when opening a credit card account or taking out a mortgage or car loan.

Stephen Brobeck, the federation’s executive director, called the findings “encouraging” because those who have checked their scores are more knowledgeable than those who have not. For instance, 93 percent of those who had recently checked their score knew that mortgage lenders use credit scores, compared with 74 percent of those who hadn’t.”

What does that mean for you? Check your credit! And you can do it through our credit restoration and financial protection plan, your credit score is real time.

Of course you can go online for a freebie credit score but those are at least 30 days behind as they do not update immediately and the algorithm or model may not be in line with your financial objectives. In other words, the score is inaccurate and misleading unlike a real-time model.

Just like financial planning, it takes time to monitor your score and know that it will change on a constant basis depending on your credit card usage and loan payments. There is a lot of science that goes into a credit score. That is how the big 3 (Experian, Equifax, and TransUnion) make their corporate big bucks.

Want to see your score real-time and know where your money and efforts are going? Look into a financial protection plan at thecreditfreak.com and get going on staying on top of your credit. With 4 out of 5 credit reports having errors, it is best to get control know.

Check Thy Credit, Know Thy Credit!

References:

Partial content credited to: The New York Times, http://www.nytimes.com. Ann Carrns, Your Money Advisor.

The Stage of Business – Introducing Incidental Risk and the Critical Path

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Hiring Magento Developers – Where Do I Begin?

First of all, what is considered a risk? If we are going to identify the risks we will need to know what to look for. I have heard risk defined as the effect of uncertainty on objectives. That definition is all right but a bit too vague. To effectively identify risks for a particular project or initiative, I think you have to be a bit more specific to the objective.

As risk relates to the Project Stream™, best practices would dictate that each level is completed before the next level begins. As indicated in the diagram above, overlapping levels (as shown) will result in incidental risk and compromised results. This is a common occurrence and typically happens when levels stretch out and do not have a disciplined schedule for milestone start and completion.

“Delays have dangerous ends.” – William Shakespeare

When the project start and finish date are fixed, milestone durations should be planned with contingency durations. Otherwise any expansion of a milestone duration may compromise the adjacent milestones or possibly even the overall project risk.

Risk management scheduling is a critical part of project planning. The more time you spend crafting the schedule, the better chance you will have of project success. If you plan it well, you will be able to use the process schedule to effectively manage the project scope, schedule and budget.

“True nobility is exempt from fear.” – William Shakespeare

Make a Plan, Have a Plan. You will be glad you did!

Don’t be afraid to look to the past when crafting your plan for the future.

The History of North American Diamond Mines

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The History of North American Diamond Mines

While precious gems have been uncovered across the vast plains of the North American continent from New York to California, the diamond mining industry in this part of the world in particular was historically restricted to Arkansas and Colorado.

Between 1907 and 1933, near the small mining town of Murfreesboro, Arkansas, more than 90,000 diamond stones were discovered; each weighing in at about .25 carats. Since then, there had been minimal diamond findings in the United States until the Crater of Diamonds State Park, on the border of Colorado and Wyoming, began operating as an official diamond mine in June, 1996. Annually, the State Park mine churns out an average of 20,000 carats, and a whooping ¼ of those diamonds are deemed to be of ‘precious’ quality.

Precious gem miners made a legendary find on American soil at the Crater of Diamonds Park, when a diamond found at that site weighed in at 28.3 carats.

The famous Arkansas diamond mine continues to supply American jewelry makers with thousands of homegrown, natural diamonds per year.

As of late, it seems that Canada might be the next most promising diamond mining resource in the North American continent. Rich Canadian soil, underlain by thick deposits of ancient bedrock, is a probable jackpot for the existence of diamond-bearing kimberlite. The conditions in the Canadian rockscape are considered to somewhat mirror those that have historically produced enormously coveted diamonds, brought down in silt deposits swept down by melting glaciers.

The world’s most renowned diamond mining, of course, takes place in countries such as South Africa, Brazil, Venezuela, Argentina, India, Russia, and Australia. More than 90% of the world’s finest diamonds originate from one of these seven countries.

The diamond mining process is completed in a complex series of sorting and distributing methods, from locating and blasting kimberlite deposit sites to digging, extracting stones, removing debris, and professionally cleaning, weighing and appraising diamond gems.

How Long Do I Need to Keep This? – A Guide to Receipts, Statements and Financial Clutter at Home

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How Long Do I Need to Keep This? – A Guide to Receipts, Statements and Financial Clutter at Home

In most homes, paper causes clutter. And it seems to mysteriously multiply by itself. But just how long do you need to keep all those receipts, bank and credit card statements and other financial papers? Below is a handy In most homes, paper causes clutter. And it seems to mysteriously multiply by itself. But just how long do you need to keep all those receipts, bank and credit card statements and other financial papers? Below is a handy reference that you can use for dealing with your home paper trail.

Toss after One Month

ATM and bank deposit/withdrawal slips

  • keep in a file folder until monthly statement received
  • reconcile with your statement to ensure that charges and payments have been properly processed
  • if for major purchase with warranty, staple receipt to the owner’s manual and file for the term of the warranty
  • if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy
  • if for minor purchase without warranty, shred

Cash purchase receipts

  • enter into your chequebook or computer software to ensure that you are accounting for all your purchases
  • if for major purchase with warranty, staple to the owner’s manual and file for the term of the warranty
  • if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy
  • if for minor purchase without warranty, shred

Credit card receipts

  • keep in file until monthly statement received
  • reconcile with your statement to ensure charges and payments have been properly processed
  • if for major purchase with warranty, staple to the owner’s manual and file for the term of the warranty
  • if for major purchase without warranty, keep receipt if item replacement cost is higher than the deductible on your homeowner’s insurance policy
  • if for minor purchase without warranty, shred

Toss after One Calendar Year

  • Bank/Financial Institution monthly statements (unless needed for home business)
  • Brokerage/Mutual Fund Statements (Monthly/Quarterly)
    • reconcile with your annual statement
  • Credit card monthly statements
  • Credit reports
    • you should request your credit report annually to ensure that all information is accurate and up-to-date, especially with regard to accounts you have closed in the course of the year
    • requesting this file annually helps to prevent identity theft, so you can see who has requested the report and for what purpose
  • Monthly Mortgage Statements
    • reconcile with your annual statement
  • Pay stubs
    • shred after reconciling with your W-2 or 1099 (US) or T4 (Canada)
  • Telephone/Utility bills

Keep for 7-10 Years

  • Any T4 Forms – including T4E, etc. (Canada)
  • Annual Mortgage Statements
  • Supporting documentation (cancelled cheques/receipts/statements) for tax returns including but not limited to:
    • donations
    • retirement account contributions
    • child care receipts
    • alimony/child support paid or received
    • medical expenses
    • mortgage interest
    • property tax payments
  • W-2 or 1099 Forms (US)
  • Year End statements from Credit cards (if provided)
  • Year End statements from utility companies (if provided)

Keep Indefinitely

  • Adoption Records
  • Auto/Home/Life Insurance policy information
    • keep purchase records for as long as policy is in force
  • Automobile Records (ownership certificate/registration)
    • keep for as long as you own your vehicle
    • if annual registration required, keep only current registration paper
  • Birth Certificates
  • Business Income Tax returns, and supporting documentation, if self-employed
  • Death Certificate
  • Divorce Agreement/Child Custody Court Orders
  • Investment records clearly showing beneficiary information
    • purchase records
    • sales records
  • Marriage Certificate
  • Medical records
  • Immunization records to children
  • Military service records
  • Pension Plan records
  • Receipts for major home improvements/renovations
  • Receipts for major purchases that have long life expectancy (refrigerator, stove, freezer, vehicles)
  • Religious records
  • School/Education records
  • Tax Returns
    • In the US, the IRS has 3 years to from the date you file your tax return to examine your return for errors and up to 6 years to audit your return if they suspect that you have underreported your gross income by 25% or more. There is no statute of limitations on an audit when deliberate fraud is suspected.
    • In Canada, CRA advises you to keep your tax returns, Notices of Assessment, and all supporting documentation for 6 years from the date of filing your personal income tax return.
    • NOTE~I recommend keeping these indefinitely because they take up little space and can often be a valuable resource if there is any dispute over such things as income tax paid, child support/alimony paid or received and pension plan benefits.
  • Will and/or Power of Attorney
    • should be kept securely in a fire-proof home safe or safety deposit box at your financial institution
  • Year End Investment account summaries

Now what?

Now that you know what to keep, where are you supposed to put it all?

Set up a simple home filing system to cover the basics, and invest in a couple of sturdy cardboard or plastic filing boxes for the information you should keep log-term or indefinitely.

And a final caution – when you decide that you no longer need to keep certain documents, make sure you shred them and DO NOT put them in the general trash or recycling. Sensitive financial information or personal information should always be DESTROYED to avoid any chance of identity theft that could lead to headaches greater than you can imagine.