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A Cashless Society?

Will creating a cashless society really have a vast impact on U.S society? Studies have been conducted examining the spending behavior of Americans to assess whether cash or card is more often used in every day transactions. With the advent of efficient means of technological payment procedures and transactions, it is evident that to obtain and use a debit or credit card is extremely accessible for people of all ages. More and more people are opting to carry less cash and spend more via their debit or credit card, which is leading to the concept of what is referred to as a ‘cashless society.’ It is estimated that 80% of Americans carry less than $50 cash in their wallets.

 

Experts theorize that although they expect an entire cashless society not to happen in the near future, the trend of mobile and bank and credit card payments will continue to increase. Some people report that their choice of carrying less cash is not only for security reasons of theft, but because it allows them to track their spending easier. More cash means more spending for some people as it is there to spend. Though the same argument can be said for those who use debit cards, as the ease of paying as you go with a single tap of the card has led to a boost in overall spending for consumers. Perhaps it is a case of people feeling less spending guilt in not being able to see the money go as they spend.

 

Whether or not a cashless society will ever happen can be disputed, but one things is certain – our spending is largely from credit card payments, and finding a person who has more than $50 in their wallet at any time would actually be a challenge.

Are you prepared to service your customers that only use credit cards?  If not, contact ARX Payment Services at https://arxpay.com.

Make The Switch To POS For Your Retail Business

POS systems (Point Of Sales) are the most widely used retail payment systems around the globe. There are many different types of POS devices to fit any business model, from more budget accessible, smaller scale systems to larger, and multiple device linked systems for larger retail businesses. These devices are a favorite for retail businesses due to their fast, secure and efficient functioning.

There are a few advantages of the right POS System that you can find from providers such as ARX Payment Services in Orlando, Fl.

As POS terminals are created to accept almost any payment option, one of the main advantages of choosing this form of check out service is that is it completely available to personalize for exactly the purposes you need. The larger in store terminals have functions that allow you to settle batches with extensive reports, connect thermal printer devices and fast modems for constant connection, as well as sleek and simple designs for ease of use. There are also options available for businesses to choose a mobile checkout POS, which allows you to process sales securely from any location, with sales reporting and inventory management accessible from compact devices such as notebooks, iPads and iPhones, to name a few. The physical terminal itself doesn’t need to be manually updated in store either, with mobile connection devices, which can be used for dial up and on an Ethernet connection making it accessible to update sales functions remotely.

 

It is apparent that small and big businesses alike can benefit from making the switch to a POS operating system for their checkout procedure. As it is compatible with a range of larger terminal devices as well as mobile terminals, this is a versatile piece of retail technology. There is a wide range of options for you to assess online and in retail catalogues, as well as merchant services that can set you up and provide expert advice.

Is Your Listing Smarter Than A 5th Grader?

That guy in the coffee shop typing away on his phone could just as likely be adjusting his home’s thermostat as texting his buddy about their golf tee time.

Yes, the IQ of homes keeps getting higher. Realtors who understand how to sell these homes will be tomorrow’s top producers.

No doubt, the technology is cool. I have a friend in Las Vegas who’s all about smart homes. He has one and he can block the electricity and Wi-Fi to his kids’ bedrooms with his phone if they choose video games over homework.

It looks like lots of U.S. consumers are like my buddy – they’re ready to embrace smart homes. In July, the Consumer Electronics Association estimated that connected home technologies’ revenues in the United States will hit $967 billion in 2015, up 32 percent from $732.58 billion in 2014.

And new research from Coldwell Banker Real Estate and CNET found that 28 percent of internet users now own smart-home technology. And they like it, too. Over 90 percent said they’d recommend smart-home technology, and 87 percent said such products made their lives easier. Further responses suggested that smart-home technology could play a role when it comes to selling or buying a new house, too.

When non-homeowners were asked about what would make them consider buying smart-home technology, lower costs and more information emerged as themes. Nearly half said they’d buy smart-home technology if it was less expensive, and about one-fifth would buy if they better understood how it all worked.

So what’s this mean for you, the Realtor? What do you need to know to be a better agent for consumers in the age of smart homes? Here are some tips that could make you as smart as today’s homes:

1. Don’t ring the bells and blow the whistles. With smart homes today it’s easy to get caught up in all the bells and whistles. But remember, consumers want to know how it helps their lives. It’s the old sales adage: sell the benefits, not the features. Focus on what the smart home actually offers homeowners in their daily lives.

2. You have to learn before you can earn. These days you can’t fake your knowledge about anything because consumers can do a quick internet search and learn what they need to know. That means you have to do your homework about smart-home technology. Take time to research what’s new and how it helps consumers. Always think value – what value will this give a buyer or seller. I compare it to car sales – sales folks get regular training on all the new-car gadgets and upgrades and what the bottom-line value proposition is for each one.

3. Know what to show. As you’ll learn, new technology is coming on board regularly, so you need to identify what’s most appealing to consumers. Today, for example, polling earlier this year by Icontrol Networks found that consumers are most interested in connected home cameras, thermostats, connected lighting, connected door locks and connected appliances. Frequent travelers like remote access to lighting.

4. Don’t have a “senior” moment. Yes, research says Millennials like smart-home technology – that’s almost a given. But don’t count out the older Baby Boomers or seniors. They’re starting to learn smart homes have advantages and that these homes can help them, especially those who have mobility issues.

Tell me what you’re thinking. What’s the smart-home market look like where you are? Are you hearing more talk from consumers about smart-home technology? What are they saying they want? How do you rate yourself in terms of understanding smart homes? What can you start doing today to be better at selling smart homes?

Bubba Mills is executive vice president of Corcoran Consulting and Coaching Inc. (800-957-8353), an international consulting and coaching company that specializes in performance coaching and the implementation of sound business systems for residential REALTOR, mortgage brokers and real estate companies.

Learn How to Use a Biweekly Mortgage Calculator to Save Cash on Your Home

Right after the thrill of purchasing your dream house comes the reality of paying your mortgage. Most people stick with the traditional classic monthly loan payment plan, not realizing the time- and money-saving benefits of a biweekly mortgage payment strategy.

 

Many people wrongly assume that making biweekly mortgage payments means they’ll be paying twice as much. Not true! In fact, the additional money each month amounts to about 1/12th of your normal monthly payment: If your payment is $1,200 a month, you’ll only add on about an additional $100 a month.

 

If you like the thought of saving money and eliminating debt quickly, let’s take a closer look at a biweekly payment program and how making use of the AutoPayPlus biweekly mortgage calculator can show you how to save big on your home loan.

 

How AutoPayPlus Biweekly Payments Work

 

With the AutoPayPlus biweekly mortgage program, you’re debited one-half of the typical monthly mortgage payment every two weeks. There are 52 weeks each year, so that means 26 half payments will be withdrawn from your account, adding one extra monthly payment to principal per year. This shortens the life span of your loan and decreases the total amount of interest paid over time. You’ll be able to use those extra debt-free years to more fully appreciate life, or put funds away to create financial security for the future.

 

You can schedule automatic biweekly payment withdrawals with AutoPayPlus. You can even add extra payments to pay off your loan faster and save more on interest.

 

How to Use of the AutoPayPlus Biweekly Mortgage Calculator

 

It’s easy — go to the AutoPayPlus mortgage savings calculator and follow a few simple steps. Let’s use a sample mortgage of $250,000 for 30 years at 4.25% interest.

 

Enter 250000.00 for the complete loan amount, 30 years for the term (or put in the number of months till your loan matures) and 4.25 for the interest. Enter the exact date that your loan begins, or the date it started if it’s a current loan. Then hit the calculate button to see your results: You’re able to pay off the loan 52 months early and save up to $31,000!

 

The calculator shows your new biweekly payments, debt-freedom date and interest saved. Clear the fields to play with different scenarios and to view how adding extra money to your biweekly payment can dramatically boost your savings on interest and get you out of debt a lot faster.

 

AutoPayPlus can assist you in paying down debt more rapidly. Withdrawals out of your account every other week match conveniently with paychecks and your monthly budget, and an added half-payment twice a year toward principal reduces interest over the life of the loan. Visit this informative website to use a biweekly mortgage payment calculator and discover more ways to save money!

THE BENEFITS OF COUPLE’S COUNSELING

Romantic relationships can be amazing, but they can also be tough. And sometimes it’s more than tough. Nobody wants to come to terms with the fact that what was once a booming relationship is now a struggle and hardship. But do you give up quickly or do you put in everything you’ve got and suit up for battle? Theoretically speaking of course, love and relationships can be a battlefield and sometimes you need the right person to help you win.

 

That’s where couple’s counseling comes into play.

 

If your relationship is struggling with issues of communication, monetary conflicts, parenting disagreements, troubles with intimacy, infidelity, or detachment, couple’s counseling could be your saving grace.

 

Couple’s Therapy will not only produce short-term effects, but also give your relationship the power and ability to be successful in the long run. The benefits of couple’s counseling ultimately will make your life easier and happier when you learn key communication rules.

 

Much of the time communication is considered the head culprit for causing conflict in a relationship. Emotions and mental clarity don’t always go hand-in-hand. That’s why your relationship might benefit well from the assistance of an unbiased professional that can guide you towards romantic success.

 

Learn where responsibility lies. 

 

Do you often feel like the blame is being tossed around, in turn producing zero results? Learn where it’s appropriate to accept responsibility during conflict and focus more on the end result, rather then pride.

 

Learn who needs to change.

 

Many times we are too reluctant to raise a mirror to ourselves and realize that we may be the ones preventing positive change in our relationship. Learn how you and your partner can make small changes in communication and behavior in order to create a big difference.

 

Learn the best way to express your emotions.

 

How we express our emotions during confrontation can be the difference between a successful or damaging outcome. Learn communication exercises and how to communicate without emotional turmoil. Turn a counterproductive argument into one that produces positive results and a happier life.

 

Learn how to treat each other equally.

 

No one person can be blamed for the issues faced in a relationship. Each person will be treated equally in order to create the best partnership. Learning this is key to communicating with respect.

 

Learn more about your partner.

 

By communicating effectively, you may learn new things about your partner that you would’ve never otherwise known. When you create an open line of communication it can lead to endless results. Enhance your connection with your partner in realistic and beneficial ways.

 

Aside from helping to mend your problems of the present, couple’s counseling will give you the power to avoid conflicts of the future. As you can see, couple’s counseling will benefit you and your relationship in more ways then one.

 

Don’t wait until your relationship as at the brink of death before seeking help. Learn to communicate with your partner effectively with a licensed and experienced therapist like Suzanne Rucker. Take the steps to resolving your issues, today.

6 TYPES OF SENIOR IN-HOME CARE THAT WILL MAKE LIFE EASIER

Non-medical home care is an option that seniors and their families are often attracted too considering all the benefits that come from it. Starting with the proximity and comfort that seniors will enjoy, non-medical in-home care provides independence, community, and most importantly health and happiness.

 

From the comfort of your loved one’s home, they will receive personalized care with a qualified caregiver no matter what care service you choose. But it’s still important to familiarize yourself with what forms of care will be best for you and your loved one. Griswold Home Care offers various types of non-medical in-home care and ultimately can adjust to your personal needs.

 

Here are six typical services that Griswold offers for seniors:

 

Personal Care Services

 

Your loved one will want to feel and look their best at every stage of their life, that’s why Griswold refers certified caregivers who can help meet those goals. Personal caregivers want your loved ones to feel as independent as possible, but at the same time understand that safety is a top priority. Professionals will be able to assist with daily personal activities such as: bathing, brushing teeth, dressing, grooming, and more based on client request.

 

Homemaker Care Services

 

Homemaker services with Griswold are providing seniors with essentially a helping hand with household chores. Caregivers provide some much needed relief for your loved one by making their life easier and safer. Professional caregivers can help with daily meal preparation, light housekeeping, shopping, transportation, and more.

 

Senior Companion Care

 

Senior companion care is one of Griswold’s most frequently requested services. As life slows down and your loved ones have more time for social lives, it helps to have someone who is available to help them maintain that life. Thus, non-medical caregivers can accompany seniors with: shopping, social events, friend visits, gardening, home projects, and more. Your loved one can have a trusted companion that will keep them socially engaged and safe.

 

Respite Care Services

 

This service provides temporary caregiving services in order to relieve you or the family caregiver of stress. Think of this service as a time to recharge or perhaps to use when you are on vacation. Don’t feel guilty about “leaving” your loved one with a professional, because you also need to recharge from balancing work, family and caregiving. Once the short period is over, you’ll come back to your loved one recharged and emotionally reset.

 

24 Hour Live-In & Overnight Care Services

 

Your loved one may need increased non-medical senior home care and you simply cannot provide that on your own with your personal schedule. This is where 24 hour live-in and overnight services can be utilized. Caregivers can live in the home, provided there is a second bedroom and complete duties of personal care, homemaking, and being an overall companion. Additionally overnight care allows for someone to be present at night in case there is need for assistance with going to the restroom or simple sleep restlessness.

 

Often nursing homes or Assisted Living Facilities can be avoided by having a more affordable non-medical home care assistant around the clock. Maintain your peace of mind while your loved one maintains their sense of independence.

 

Hospice and Palliative Care

 

Hospice care will help seniors with symptom relief and emotional assistance in the last stages of serious illness. Living at home during this tough transition can be comforting for both your loved one and the family. A combination of personal care, companion care, and more will be used to support your family and loved one based on individual circumstances. This is a rough time for everyone and your caretaker is there to make it much easier.

What Are They Hiding? Find Out with Access Investigative Services

Infidelity Investigations:

Have you ever believed someone close to you had something to hide? For example, let’s say you’ve seen changes in your partner’s behaviors; unexplained charges on their credit cards, working later than usual, frequent mood swings. Now, did you ever wish you could get proof to validate your intuition and confront them with the facts? If you suspect infidelity in your relationship, you may want to consider hiring a licensed private investigator. What you find out may be surprising—but it may just be exactly what you were looking for.

Computer and Data Investigations:

Time and time again, people will delete their browsing history, chat screens, and call logs to hide unfaithful or unlawful behaviors. Often unbeknownst to those people, seasoned professionals can employ advanced technology in the field of computer and data forensics to uncover hidden data. Though you believe clicking the “delete” button will destroy all traces of your activity, there is often extensive evidence remaining.

Private Investigator

Access Investigative Services is a private detective agency in Orlando dedicated to seeking out the truth and helping you achieve your goals. They are a team of highly-trained specialists with over 25 years of experience providing services to both commercial and individual clientele. Whether you believe an employee is stealing from you or you’ve found yourself amid a child custody battle, proof is at your fingertips. Access Investigative Services can bring concealed information to light with state-of-the-art procedures often used by local, state, and even federal government agencies.

 

From recovering lost data to email tracing, Access Investigative Services provides multiple services to get to the truth of the matter. If you feel that a partner, an employee, or someone close to you is engaging in disloyal or criminal behaviors, contact Access Investigative Services, Inc. today for a free and confidential consultation.

Grocery Savvy Savings

No matter the area of life, we are all looking to save money where and when we can. There’s nothing like the feeling of landing a discount or knowing that you got a great deal, and when it comes to grocery shopping, small savings overtime can make a big difference in our overall expenses.

Here are some of the best grocery shopping tips for you to keep in mind to enjoy future savings in the long run.

 

Make A List

Getting clear on what you need is one of the biggest ways to eliminate impulse buying and coming home with unnecessary goods. The very act of writing a list is no only helpful to refer to when shopping, but also can keep you accountable at the store when tossing up whether to get something or not – if there is no dire need, and you didn’t already list and budget for it, then don’t get it. Simple as that.

 

Scope Out Sales

Come prepared by searching the catalogues and taking note of the advertisements for sales before you go shopping, to ensure that you know what you can get that will save you money. Also, if it is something that you know you will definitely use in the future, like toilet paper or toothpaste, then stocking up on items that you would otherwise buy at a regular price later on, will be a great way to save on future grocery bills/

 

Choose Generic When You Can

For items that don’t need to be organic, or your favourite brand or of a higher quality – like sticky tape, napkins, simple canned goods – then opt for the generic brand. It’s nothing to be afraid of if there isn’t some fancy label or brand on it when you know your experience of the product won’t be affected.

 

Other money saving grocery tips include never shopping on an empty stomach, price matching from other stores, getting membership and rewards, and purchasing fresh produce from the local farmers market. Be creative, be prepared, and bask in the savings.

Merchant Accounts Explained

Whether your business is new, or in need or an innovation in technology, then a merchant account is the best things for your check out process of client and customers purchasing your goods or services. In basic terms, a merchant account is an account which allows a business to be able to accept e-check or credit card payments. In this day and age where more consumers carry less cash with them, then it is vital to be sure that your business is offering widespread access to your products by offering many payment types. Credit cards are fast becoming the number one choice for payment, and it is suspected that soon they will completely bypass the instances of cash being used.

 

In order to take advantage of this service, you need to apply to your bank by using your own business checking account that’s associated with you business tax ID. The business and merchant accounts actually stay separate, as the merchant account collects the transactions and the links the deposit to the checking account. You will need to provide various documents to set up the account, such as sales reports, financial records and business numbers.

You’ll need a terminal to accept the payments (if in person business is being conducted) or if online, you’ll need to set up a payment gateway for people to be directed to in the check out process.

 

There are a range of services and products available for this process, and depending on your business size and model of selling your product or service, then there will be many different processes to choose from. Take a look online at the wide range of professional services and products for merchant sales.

If you are looking for a trusted merchant services company contact: https://arxpay.com

Smart Strategies for Faster Home Loan Payoff

You already know it: The more rapidly you pay off a mortgage, the less money you’ll pay your lender and the more cash you can keep for yourself. If you want to pay your home loan off lot quicker, you’re going to need a little extra money plus some savvy strategies — but it can be done. Thankfully, we’ve got a few financial hacks for rapid mortgage payoff that can get you the results you’ve been looking for.

 

Rebalance Your Balance Sheet: You’ve got two ways to get more room in your budget for a faster loan payoff: Reduce expenses and generate more money. Do both for maximum results.

On the expense side, bundle insurances and renegotiate. If you’ve been with the same insurer for some time, get in touch with them and say you’re unhappy with your fees. Let them know you’re looking around to get better offers and lower pricing. You may be shocked to hear the number of new “discounts” they find for you.

Rethink your cable cost. Reconsider whether you need all those top-tier channels. You can stream lots of shows free or at low cost online. Also, quit outsourcing housework like cleaning services and lawn care. No one enjoys laundry and pulling weeds. But unless you have a lot more profitable ways to spend your non-work hours, it’s time to start washing and weeding.

Make some extra money to put toward your debt-reduction goals. Sell all the things you don’t want. Get on Ebay and start listing all that junk in your attic. There are dozens of other web-based selling sites you can sell your stuff on: ThredUp.com, shopstick.com, yerdle.com, varagesale.com and of course, the original online classified-ad site, craigslist.com. Pick up a little extra money on the side. Every person has some talent that other individuals might be willing to pay for. Try TaskRabbit.com and UpWork.com to check out all things people are willing to pay you to do — like being a virtual assistant or personal shopper — and put those extra earned dollars toward faster loan repayment.

 

Involve the Entire Family. Everyone’s needs and wants contributed toward producing the debt, and you’ll be doing your loved ones a favor by showing them how to take charge and defeat debt once and for all. Have a family meeting to brainstorm, and enlist everyone to reduce bills by lowering electricity and water use, pitching in to accomplish outsourced household tasks and maybe even making some extra cash. Set aside some of the additional money saved or earned to pay for a special incentive like a family bowling night.

 

Make Use of a Biweekly Loan Calculator. This can be a roadmap to faster debt reduction: To reach a goal, you want to see where you’re heading and exactly what you have to do in order to get there. Make use of a biweekly loan calculator [link] to uncover exactly how much more you have to apply toward your debt each month for the faster loan payoff you’re looking for. Biweekly home loan payments will get you out of debt a lot quicker, and also help you save money on interest over the life of your mortgage. Experiment using the calculator to discover how different payments will help you to achieve your goal of rapid debt reduction.

AutoPayPlus can help you pay down debt faster. Withdrawals from your account every other week fit conveniently with paychecks as well as your monthly budget, while an extra half-payment twice a year toward principal reduces interest over the loan term. Learn more about rapid loan repayment by visiting this website:

autopayplus.com/payment-services/