Take a pen and paper, and note down your monthly income and expenses. Now use Financial Loan Calculator app to calculate the monthly repayment of money or desired thing want to borrow. After that find out how much money is left after monthly repayment and monthly expense.
Consider the Following Scenarios:
If 30-40% of your total income is left then I think you should borrow a loan.
If 20% is left then reduce your unnecessary monthly expense, for example, dining out, movies, etc, so that you can cut the expenses.
If it's less than 20% then I suggest your expenses are too high and first try to reduce them and then apply for a loan.
This will let you know how to budget your living if you take a loan.
Related
I recently purchased Quadrant Advanced from the SlideME store since that's the only place it is available. Unfortunately, SlideME has implemented a policy where they will charge your credit card for a random amount less than $1 when you add a credit card to your account. In my case, this was $0.61. They try to justify this as a "security" measure to verify that the card is really yours; however, they let me continue and buy the application without first verifying the charge.
Even though the amount of money is small, I find this type of business practice despicable. I will not purchase any applications from SlideME and will e-mail any developer whose application I am considering purchasing that they have lost a sale until they move their app to a respectable store.
Wanted to follow up on this post to mention that we are indeed aware of the problem that is causing and maybe even loss of sales for apps sold via SlideME.
We did not assume that such a nominal fee (for end users) per card setup considered a registration fee, will become such a big issue.
The reason we took this approach from our early days in 2008, was that we wanted developers via our Marketplace to earn 'the lot'. This means if our payment processing costs are only 5% + $0.05 (as per Amazon Payments fees), the remaining balance will be paid out to developer.
As we have additional payment methods such as our 'direct card' payment option, we need to confirm the real owner of the card, much like PayPal and Amazon Payments require to verify the cardholder.
With the issues related to combating fraud e.g. users using stolen cards, there are processing fees for setting up a card and such fees are not directly related to the transaction of the sale of an application, therefore could not be applied to the developers account. This fee that our direct card processor charges has to be covered from somewhere, and this amount is funded from the < $1.00 fee that we charge per card setup. You only need to setup your card once, and customer is never asked to submit any sensitive card information from their phone ever.
Without such a verification process which consists of two states, 'pending verification' and 'confirmed' to place users account in 'good standing', there is a high risk there could be a large number of chargebacks and related fees, which will be charged to developers account. Not something we will be too happy about nor will developer.
A customer like you, has the option to choose other Payment Methods via SlideME that do not require any such verification, such as Amazon Payments & PayPal (due this coming week), since they provide their own verification process.
So your complain and from many other users, has been taken into consideration and it seems that we will have to charge some additional fees to developers to cover such processing costs via our Direct Pay option. I expect overall this will not mean less income for developers but could reflect to actually more sales via SlideME.
We took the initiative to create a discussion topic at http://bit.ly/aADcvo
Look forward to getting some feedback on what developers think about this issue.
The idea that charging a fee that a user must verify to prevent fraud might have some validity if the user must verify before being allowed to purchase any apps. However, I was able to purchase an app immediately after registering as a new user and adding my credit card. If I were a credit card/ID thief instead of a legitimate buyer, the victim would now have two fraudulent charges: the app purchase AND the verification charge.
In reality, this is just a way of passing on a processing fee to the end user and trying to disguise it as a fraud prevention method. It may not be fair that the merchant takes all of the risk of ID theft and fraud but that is the way the system works.
If you want to charge a registration fee, you should be up front about it when the user signs up with a full checkout page so that there is no ambiguity that money is about to change hands. When I purchased the app, I went through a full checkout page that clearly showed what I was buying and how much I was paying. This was not the case with the "verification" fee.
If you're not going to prevent users from buying apps until they verify, quite calling it a fraud/verification fee. If you're going to charge a registration fee, be upfront with it and have a full checkout page so that the user will clearly understand what they are buying. Better yet, just take credit cards like 99.999% of online stores and charge the developers an amout that covers your costs.
It's clearly stated that the <$1.00 is considered a card registration fee and we have it in several places on our site. It seems you are the only one that missed it if your name starts with a K. We have had users complain about it, but not one be surprised of such a charge that they did not know it was coming.
Yes we do open up and permit account holders to purchase without verification when we have eyes on the system to prevent complaints from customers that want to buy now!
We send many warnings to customers that have a high fraud score and such require to verify their card to proceed.
We will do what it takes to satisfy developers and users alike.
I guess now we will have to restrict only to all verified users, which will just make it more difficult for that ones that don't seem suspicious to purchase.
You can't make everyone happy.
There will always be people that complain.
If you make them wait, they will complain they can't get their product
fast enough.
If you don't make them wait, they will complain that you didn't verify
their identity...
My experience and 2 cents:
Do what makes your largest user base happy and focus on them.
You won't make everyone happy but at least you'll have market share
and happy customers to reaffirm you've made the right decision.
Some people want their cake and wish to eat it too.
I’m considering launching some hosted services that could help game studios retain 20% more of their gamers. Would game studios pay for this and if so, how much? I’m estimating a price of $0.05 for every gamer that gets exposed to the retention service. Would that be compelling?
Or am I asking the wrong question? Are game studios more apt to just buy more installs and live with the same retention rate? If so, why?
Here is my logic behind the pricing:
I assume that if game studios are paying $1CPI and retaining 15% of users 30 days after, then currently, a retained user costs $6.67 ($1/15%).
If my hosted service could drive a 20% relative lift from 15% to 18% then cost of retained gamer drops for $6.67 to $5.56 ($1/18%)…a savings of $1.12 per retained gamer….or $0.168 for every gamer that gets exposed to the retention service. If I only kept 30% of the value then the price would be $0.05/gamer that gets exposed to the retention service.
Thanks in advance for your feedback.
1. Does not rape you.
$0 up front.
Low payments starting at $15.
2. Don't even pay full price, just like a good car lease.
With the option to just pay residual value or trade up at the end.
3. Can pretty much sample ALL marquees as they're released.
With the ability to rinse/wash/repeat thrice yearly.
For sure the sheeple will follow, but why not us too( barring an extremely tight budget)?
Description
Consult with a licensed, emergency-experienced physician in 15 minutes, through video. Available 24 hours, every day.
Did you know almost 75% of doctor visits can be handled without a doctor ever seeing you?
And while your doctor may perform a physical exam on you, 95-97% of physical exams are normal.
Going to the doctor can be a hassle. It disrupts your day, it takes away from your family, it may cost you lost wages at work, and worst of all, you still have to pay for your copay and cover your deductible.
If that wasn't bad enough, you can't see them at night during late hours.
What insurance companies don't tell you is that only around 10% of people actually cover their deductibles each year. That means that you pay hundreds of dollars each month for health insurance that will likely NEVER pay a dime back to you. You're responsible for your copay and the doctor visit!
DocChat has a flat price of $50 to see a doctor (with unlimited subscriptions available), so you won't have to worry about whether your insurance is going to cover your doctor visit.
How many times have you forgotten to ask your doctor a question or forgot how to take your medication? DocChat allows you to follow-up with your doctor for free after your visit. Other companies will be happy to charge you for another visit.
Some benefits of DocChat:
- Available 24/7
- No time limit to each consultation. Other telemedicine apps limit your time to as little as 10 minutes
- Ask unlimited follow-up questions to your doctor after the video consultation. You even get her phone number!
- Prescriptions sent to a pharmacy closest to you
- We call you back to check on your progress after your visit
- Our mission is to do the right thing for the patient, even at great expense to ourselves.
Is telemedicine legal?
Yes! Most states allow a doctor to establish a patient-provider relationship through a video visit. That means your DocChat doctor is as liable for your care and well-being as a doctor you would see in person would be.
What can my doctor do on a telemedicine visit?
Your doctor can prescribe medication (non-narcotics), diagnose your condition, or refer you to the appropriate specialty. If you need a note for work or school, we can provide that as well.
DocChat doctors are available for you if you have a question, forgot how to take your medication, or if you're simply not feeling better. You can IM them through the app or call their personal phone numbers.
DocChat is available in CT, DC, FL, GA, ME, MD, MA, MI, MT, NJ, NY, PA, VA, WA, HI, and expanding to other states.
https://play.google.com/store/apps/details?id=io.docchat.android
So you want to start with ETF investing and ETF trading but think you don’t have enough time to spend on it? We got the solution!
You have worked hard for your money and with our free wealth management app The Money Pouch you can take the next step and invest your cash wisely. With our automated trading system, robot trading and robo investing you can automatically buy and sell stock and bond exchange traded funds.
SET IT & FORGET IT
The Money Pouch, our wealth management app manages your investment account for you all day, every day, 24/7! Our app will do all the work for you while you focus on other important things in your life, the things that really matter. Our robo adviser will work for you 24 hours a day, 7 days a week and automatically rebalance your portfolio to maximize returns, whilst minimizing risks.
PROVEN ALGORITHMIC TRADING & AUTOMATED INVESTMENT METHODS
The Money Pouch app relies on consistent and deep research, which shows that index funds significantly outperforms actively managed portfolios the majority of the time. Our app builds on Buffet and Bogle’s work, by investing in low-cost ETFs and rebalancing them frequently with the help of our stock trading robot to keep the risk to return more consistent. This offers your investment portfolio more protection when stock markets fall by reallocating your portfolio to bonds or cash!
FRACTION OF THE PRICE OF A TYPICAL STOCK ADVISOR
Most offshore portfolio bonds and investment platforms charge an annual fee of at least 1% on top of service charges and admin fees. Then hedge fund managers charge up to 2% with 20% performance fee on top of all this. But our wealth management app The Money Pouch and its robo advisor reduce the charges down to a fraction of this cost whilst including all the sophisticated trading algorithms you need.
*So how much will The Money Pouch Cost you?
0.04% per month for accounts under 100,000 USD/ EUR/ GBP
0.2% per month for accounts over 100,00 USD/ EUR/ GBP
0% per month for accounts over 250,000 USD/ EUR/ GBP
THE MONEY POUCH FEATURES
-Easy to Use
-Hassle Free Investing
-Maximize Gains Whilst Minimising Risk
-Diversified Portfolio
-Your own Robo Trader
-Automated Investing
-Algorithmic Trading
-Tax Reduction/ Inheritance Planning
-Low Cost Fees
-FREE to download
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
The Money Pouch invests in REAL companies such as Coca-Cola, Apple, Google and Microsoft. It isn’t some reckless gamble on Forex or commodity robots so download it right now and give it a try!
Invest smart & wise with The Money Pouch!
https://play.google.com/store/apps/details?id=com.moneypouch
https://itunes.apple.com/us/app/the-money-pouch/id1304221245?ls=1&mt=8
https://www.themoneypouch.com/
What you probably didn’t knowWhen Buffett was 11 years old; he purchased three shares of Cities Service Preferred with his sister.
Over the following months, the stock dropped from $38.25 to $27.
When the stock finally recovered to $40, Warren cashed out, netting a $5 profit. After selling, though, the stock continued to rise until it hit over $200 per share.
If had held on to the stock a little longer, he would have profited over $500.
What’s his secretWarren Buffett looks for companies that:
• Have high Predictability Rank, that is, companies that can consistently grow its revenue and earnings.
• Have competitive advantages. It can maintain or even expand its profit margin while growing its business.
• Incur little debt while growing the business.
• Are fair valued or under-valued.
What he’s probably looking at now