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Top 4 monthly puppy subscription boxes
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Top 4 monthly puppy subscription boxes

Every good child should be treated with some goodies and treats. The monthly puppy box can be a source of joy and excitement for dogs and their parents. Thanks to the range of chews, toys, and treats that these subscription boxes offer, they have fast gained popularity. If you are looking to work on a budget but get the best of everything for your good-est boy, here are some options to look into. BarkBox BarkBox costs $23, $26, or $35, depending on the subscription you choose. Although the monthly puppy box is one of the cheapest finds, their product quality remains high, and the subscribers are satisfied. BarkBox has themed boxes that add to the brand’s appeal and make for a nice surprise each month. You get access to treats, toys, and grooming essentials and get customization options based on your dog’s allergies and preferences. Kong Box At $49.95 a month, Kong Box has been a favorite among pets and pet parents alike. One of the best sellers in the Kong box includes the trusty rubber toy that can keep the heaviest chewers engaged. The monthly puppy box comes packed with the classic Kong toy, treats for your dog, recipes, training tips, and some more toys.
Why hire an attorney when applying for Social Security disability benefits
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Why hire an attorney when applying for Social Security disability benefits

Social Security disability benefits can help people with impairments become financially stable and independent. However, one has to complete a few formalities and submit specific documents while applying, which can take time and effort. While individuals can get through the process all by themselves, it is advised to contact a lawyer to get the job done. Here are a few advantages of hiring an attorney to help with the application. Understand the Blue Book better Social Security disability benefits are processed by the Social Security Administration (SSA). The agency maintains a Blue Book, which mentions the criteria to qualify for the benefits. This book lists the impairments that make one eligible, the symptoms one should have, and the kind of test results and proof one must produce at the time of application. Since understanding the information written in the Blue Book can be challenging, hiring an experienced attorney for help makes sense. Avoid mistakes in the application Besides submitting proof of one’s imperilment, individuals must fill out lengthy forms, presenting information accurately. An attorney can guide applicants and help them avoid rookie mistakes and misunderstandings. This is crucial because any error in the submitted data can lead to the SSA rejecting the request.
5 Mistakes to Avoid When Switching Phone Carriers
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5 Mistakes to Avoid When Switching Phone Carriers

Switching phone carriers may be a daunting task, considering all the research and work needed to get through it. However, in some cases, it is inevitable, so it is always recommended to be well-informed and have all the details on hand before making the decision. There are many factors to consider when it comes to this, and there are some mistakes people make while switching phone carriers that customers can easily avoid. Take a look. 1. Choosing the wrong carrier This is one of the biggest mistakes people make and should definitely be avoided because of all the troubles that could limit a smooth phone experience. There are three wireless networks available: Verizon, AT&T, and T-Mobile. Some factors that can help decide which carrier works best for a customer include data speeds, any problems with dropped calls, text messaging plans, and if they are delivered timely. So check for these metrics when choosing the carrier. 2. Failing to compare phone plans So many phone plans are available, and while customers compare them, they often do not get into the specifics of the pricing to understand each service. This can be essential, especially when someone has already started a plan and, in the middle of the month, they realize they have been charged for some extra features they have been using.
5 tips for a hassle-free moving experience
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5 tips for a hassle-free moving experience

Moving houses involves numerous considerations, as what might seem like a cost-effective or cheaper choice can bring about unexpected expenses in the end. Further, the bargaining power may be compromised once the possessions have been handed over to the movers. To ensure a hassle-free experience, one should consider various factors, from organizing things to be moved to choosing reliable movers. So, here are some tips to consider for a smooth moving experience: 1. Research before hiring movers Moving companies may initially quote low estimates to attract customers and later inflate prices or hold belongings hostage for additional payments. To avoid such issues, one must conduct thorough research to verify the legitimacy of the chosen company. For example, one can check the “state moving resources” or look for companies that have a ProMover seal from the American Moving & Storage Association (AMSA). When moving to a different state, one can check whether the company is registered under the Federal Motor Carrier Safety Administration. 2. Opt for in-person estimates Getting quotes on the phone or online may be convenient, but opting for an in-person assessment allows the moving company to understand the specific requirements of the move accurately. This results in a more precise cost projection, reducing the chances of incurring hidden fees or unexpected charges later.
4 mistakes to avoid while hiring professional movers
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4 mistakes to avoid while hiring professional movers

Moving houses can be a chaotic experience if not handled properly. One can ensure a smooth and hassle-free process by hiring professional movers who are skilled at their job. They offer comprehensive assistance from the beginning to the end, including packing, loading, shipping, and unloading of all household items, such as appliances, furniture, and other belongings. To ensure that one is hiring the right professional movers, here are a few mistakes that can be avoided. Not researching the movers It is important to conduct proper research on the professional movers before signing any contract. One way to do this is to read the reviews and feedback from their past clients. These reviews can be found online on consumer forums as well as on social media. Checking BBB ratings is another way to know whether the movers are trustworthy. Not booking in advance It is important to book a moving company days in advance to avoid any last-minute problems. One of the worst mistakes people make is not booking in advance, which can result in the company being unavailable on the desired day and time. In this case, one may have to work with a less reliable moving company. Therefore, it is recommended to book a professional moving company well in advance.
Top 4 mistakes to avoid while using food delivery services
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Top 4 mistakes to avoid while using food delivery services

Food delivery services are growing exponentially, thanks to people’s changing preferences and fast-paced lifestyles. Customers can now order via two sources: restaurants that offer their own delivery and third-party platforms that act as a mediator to connect consumers with local restaurants. Both operate online and are pretty straightforward. However, some mistakes on the part of consumers can lead to financial losses or health issues. Here are a few such mistakes to avoid. Not evaluating a delivery service thoroughly One should consider several factors before zeroing on a third-party delivery service or restaurant. For instance, one should evaluate their packaging, safety measures (to avoid food contamination), cost-effectiveness, customer service, refund policies, food tracking options, and reputation. Reading through online reviews of other customers who have already used a platform can give an idea about its service and credibility. Ordering only when hungry There are a few issues with this approach. One may end up making the wrong food choices in a hurry and experience frustration or impatience until the food arrives. Ordering at the last minute also means one may not eat when hungry, leading to loss of appetite when the food actually gets delivered. Not eating when hungry can also increase the production of cortisol in the body, causing stress.
Basics of real-time shipment tracking explained
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Basics of real-time shipment tracking explained

With the increasing digitization of commerce, tracking packages has become more convenient. Small and large shipping companies can now easily set up online websites to facilitate this process. From businesses monitoring the delivery of their products and supplies to individual customers tracking their online shopping packages, everyone can take advantage of the real-time tracking offered by shipping company websites. Here’s a summary of the basics of shipment tracking systems to help one understand how they work. 1. Bar code is assigned to each package Regardless of its size, every shipping company starts the shipment process by assigning a unique identification code to every package they have to deliver. This identification code is usually in the form of a barcode. 2. Barcode scanning The next step is to scan the barcode while loading the package. With this, all the information about the package is uploaded to the tracking system of the shipping company’s website. This information includes the time the package left the shipping company’s warehouse for delivery and its source and destination. 3. Package received at another warehouse of the shipping company Typically, a package is not delivered directly from its source to the final destination location. Instead, it passes through various shipping company warehouses during transit between the source and destination.
3 mistakes to avoid when choosing assisted living
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3 mistakes to avoid when choosing assisted living

Assisted living facilities ensure that elderly members receive the best care and help with daily tasks. Many factors, like the costs involved, the kind of food served, and the behavior of the assisted living facility staff, need to be considered when one decides to move a loved one. This decision can be emotionally taxing and challenging for personal reasons, which is why one may make certain mistakes during the process. Making a hasty decision In many cases, older individuals may require assisted living services urgently. However, it is important to take the time to make an informed decision and not rush into enrolling them into a facility. Prior research is needed before finalizing the decision. This research involves visiting at least three to four different facilities and assessing how their staff performs their job. It may not be immediately apparent on the first visit. Still, one can observe factors such as cleanliness, suitability to the needs of loved ones, and personalization of the facility and its services for individuals. Focusing entirely on aesthetics This is a common mistake when one judges a place based on its interior design and decor alone and do not delve deeper into its services and overall quality.

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A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
finance

6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
finance

Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
finance

6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
finance

Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
finance

Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
finance

Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.