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5 mistakes to avoid when choosing a payment processor

5 mistakes to avoid when choosing a payment processor

Dealing with business growth and goals can be an exhausting task. It brings about enough stress even when things are going just right. Opting for a payment processor program that helps streamline some processes can make the business run more efficiently, especially when the business is just starting off online. However, when trying to choose the right one, people end up making some common mistakes they could have easily avoided. Not considering fees A low rate does not automatically equate to overall low costs. This is a common mistake most people make. Different payment processors have varying processing fees and rates, making it challenging to choose the right one. Some processors may have a list of non-qualified cards. When customers use these cards, the payment processor may charge a higher fee, leading to additional costs. To avoid such unnecessary expenses, it is better to find a payment processor that does not charge extra on most cards. One can simplify the search by looking for payment processors that offer transparency on fees and other costs. Ignoring security When it comes to financial transactions, no one should compromise on security features. Regardless of how small or large the business is, customers deserve complete protection.

5 mistakes to avoid when buying a mattress

5 mistakes to avoid when buying a mattress

A good mattress is the key to quality sleep, which, in turn, is important for maintaining overall health. So, choosing the right mattress is crucial. The ideal mattress should not only be comfortable, but it should also relieve pressure on the neck and back while sleeping and even help the body regulate temperature. Rushing the process and picking the first mattress one finds without any research can negatively affect their sleep quality and cycle. 1. Choosing the wrong size This is among the most common mattress-buying mistakes. A mattress that is too small may not accommodate more than one person with ease. A mattress that is too big for the bed frame or the room will mess with the aesthetics. Those who share a bed should go with a queen or king-sized mattress to ensure both sleepers get enough room to move without disturbing the other person. 2. Mistaking firmness for support A mattress should offer the right support and alignment to help one avoid straining their neck and back. An extremely firm mattress may not be the best option for back support. A medium-firm mattress might do the trick, depending on the materials used. Looking up the materials used to make each layer of the mattress can help one understand what to expect.

Benefits and tips for improved client management

Benefits and tips for improved client management

Businesses acquire many clients as they grow and sell their products and services. But apart from acquiring new clients, continued support from existing ones is necessary for long-term success. Luckily, achieving that is not as complicated as one may think. Something as simple as acknowledging feedback could go a long way in improving client loyalty. That said, for effective client management and retention, a business should also have a solid strategy in place. Understanding client management Some organizations hire a client manager to manage the clientele. The individual communicates and works with clients to ensure their needs and the needs of the business are met. A few tasks a client manager may perform include: Discovering opportunities for new work Acting as the primary connection between the organization and the client Building relationships with clients and their staff Watching and analyzing trends in the client’s industry Collecting data from client satisfaction surveys Benefits of client management Client management is essential for preserving and maintaining healthy relationships with clients. When confident in a business, clients deliver quality products or services. They also help bring in more clients for the organization. For instance, someone impressed by the business’s functioning might refer it to others in their network, improving brand recognition.

4 popular debit cards to consider using

4 popular debit cards to consider using

With cashless economies becoming the norm, debit card transactions have increased exponentially, and almost all major retailers across the country accept debit cards as a mode of payment. Their ease of use with other benefits and cashback options add to their appeal. Debit cards can also be used to withdraw cash instantly, which is especially useful when cash payment is the only option. Having the right debit cards is the key to enjoying maximum benefits. Empower Debit Card The Empower app, powered by AI and cutting-edge technology, has made finance management a breeze. It helps individuals with every aspect of financial planning, from investment and retirement to health savings. The company offers a cashback debit card, which provides 1% cashback on the first $1,000 spent using the debit card every month. Also, those who register for the card can additionally open a savings account. With the Empower Referral Rewards Program, one can receive a credit of $5 upon referring a friend to Empower. U.S. Bank Visa® Debit Card The U.S. Bank Visa® Debit Card has emerged as a popular, convenient option for users as it is accepted by millions of retailers in the country and has flexible autopay and recurring payment options.

4 common senior care mistakes to avoid

4 common senior care mistakes to avoid

Older adults require special attention and care as they age, and during this phase, most of them prefer to live with their families. However, this sometimes requires family members to take up caregiving duties without any professional training. Such responsibilities include helping with daily activities like personal hygiene, preparing meals, dressing, transportation, and more. However, despite their best efforts, inexperienced caregivers may make mistakes that affect the quality of care given to their loved ones. Not getting their life affairs in order As individuals age, they may face struggles managing their finances and other personal affairs. Caregivers should not assume that all of this is already taken care of. Instead, be willing to openly discuss gathering important legal documents and personal information and saving it all in one folder. This must include details about- Bank and investment accounts Estate documents (wills and trusts) Funeral and burial plans Healthcare and insurance information Names and contact details of personal and professional advisors Real estate documents Trying to do it all alone Another mistake people make when caring for their parents is thinking they must do it alone. Caregiving for another individual can take a huge toll on people emotionally and affect their ability to care for seniors.

5 common mistakes to avoid when opting for a 401(k) plan

5 common mistakes to avoid when opting for a 401(k) plan

“A penny saved is a penny earned” is an age-old but evergreen proverb. While many schemes help people save, the 401(k) plan is a popular one. Provided by one’s employer, this savings plan helps people set aside a specific sum every month , which they can use after retirement. The amount is deducted automatically from the employee’s paycheck and deposited into a special account. While the 401(k) has many benefits, users should avoid certain mistakes. Not knowing the different types of 401(k) accounts Under this scheme, there are two types of accounts: traditional and Roth 401(k). In the traditional plan, while the amount entering one’s savings account isn’t taxed, the amount withdrawn after retirement is taxable. In contrast, Roth 401(k) users incur taxes from their incomes but not during withdrawals. Each plan has pros and cons, which account holders should know to avoid confusion. Withdrawing early from the 401(k) With 401(k) accounts, being a little patient is always good. If one withdraws before turning 59.5, they face a 10% penalty over and above the income tax on the distribution. Even if a plan does not involve such a penalty ( which is uncommon), one might miss out on any additional returns that can be earned from the investments.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.

10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!