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best investment ideas for small investors, investment ideas 2018,investment ideas other than stocks, investment ideas in usa, small investment ideas, 2018 investment ideas USA, real estate investment ideas 2018

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Financegab.com - Personal Finance & Investment Blog

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If you want to make sure that your cash should remain safe and secured, you better need to invest it somewhere properly and smartly. You have to analyze first before making any choice because there has to be some right investment opportunity for you to make.

Investment Ideas

This can be an investment in any domain including stock market, online trades, commercial constructions, and much more. There is no minimum as well as maximum. You have to make sure that what are your expectations and you invest right away if they are met.There ca be any low budget investment ideas including paying debits, real estates, emergency cash, and much more.

Low Budget Investment Ideas

There are lots of low budget investment ideas, which may need less than $500 investment. Whether you are preparing for your retirement or any additional incomes, you can invest in any of the areas listed below with ease and comfort.

Dividend Reinvestment Plan

The dividend plan of reinvestment is also known as DRIP and it is a tiny investment opportunity available for investors who do not have much to invest. The option lets you to purchase stocks and items right away from the organizations directly with no interference of broker.

The activity goes on until you afford paying and stops when you are out of budgets. As long as you can purchase one share, you are still able to participate. This involves dollar averaging, reinvesting, and involves no fees.

Dollar Averaging

Dollar averaging lets you invest a specific dollar amount less than $15 even or $30 on monthly basis. In this mode, you invest daily and make purchases during all market points even when it is up or down. This dollar average concept is a long term process because it provides you with a good return on investment and your average price per share refers to more prices in bull markets and minimized prices in bear ones.

Reinvesting

As cleared from the name, reinvesting in dividend refers to the shares, which company pay are reinvested in your account holdings. This lets you purchase more items in stock. These dividends are actually the earnings or revenues paid by the companies to their shareholders.

Fees Involvements

There are no fees incurred by most of the DRIP accounts but some of them do charge a very tiny amount for ongoing reinvestments.

Pay Debits

Paying debts become hectic and trouble at the same times especially when you have too many of them. The type of debts you have to pay always depend on the decisions you make for payment like taking loans from some other source or pay directly from accounts. It all depends on the tax costs of borrowing or loans compared to after tax returns on investments.

Like for example, you are a sole earner on wage basis having tax bracket of 35% let's say and also having mortgage of 30 years with 6% interest rates. Now you can deduct mortgage interest rate in some limits set for you from federal taxes,after tax costs of debts will be approx. closer to 4%.

In addition to this, student loans are also tax deductible debts and they can also save your money sometimes. If you have huge portfolio of investments including equities as well as fixed incomes, you may observe that your after tax returns on your money investments will be quite higher than after tax debts. For example, if your mortgage is of lesser interest rate and you have made investments in risky modes like small cap stocks, it would be proved better for you in the end.

Moreover, if you are a sole entrepreneur, you can also make certain investments in business methods instead of debts reductions. Last but not the least; if you are retiring soon having conservative investment portfolios and profiles, above statementcan be vice versa.

Real Estate

This is one and only option nobody can deny in any respect. This is because investment in this area always worth. Real estate investments can be made in any modes including renting apartments, purchasing plots and selling them, acting as a third party between seller and buyers, construction and building homes, apartments and villas and selling them at more prices, investing in areas where future developments are expected, and much more.

Real estate rarely disappoints investors until or unless there is some major happening occurs like any accident or unexpected incident or anything on the place orenvironment you are investing.
Emergency Funds
It is always a bets option to keep some money aside for better future and savings. These are said to be emergency funds. Usually, these are the funds in liquid forms like cash and are available whenever needed. These act as double edge swords because money is more liquid and earning is very less. So, if you are held in emergency and you do not have much in stock or you are never held in emergency, in both cases, earning stands nowhere.

Basic purpose of emergency funds is not to give you any return but it is an emergency job you perform when needed. It loses its worth if there is no or minimal emergencies and becomes important at the same time when you badly needs it in extreme emergency.

Takeaway from All

Few are the above-mentioned investment ideas but are not limited for sure. There exist more than this and you have to look better options around you. It always up to you that how much you have in your pocket to take a small start and even if you start, you have to analyze yourself stage wise that are you in the right direction or not.

Also Read: You may also need to know about what is FD guide & schemes

This would let you have extreme comfort and easiness and you will be thinking of investing more in future. But if you made one wrong decision, all your efforts are wasted right away and you may put yourself I huge losses. Therefore, be careful especially when you decide and extra careful when you invest.

Related posts:

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Investment Ideas You Should Try Out in 2018

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If you want to make sure that your cash should remain safe and secured, you better need to invest it somewhere properly and smartly. You have to analyze first before making any choice because there has to be some right investment opportunity for you to make.

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kaiser permanente appointment, kaiser permanente careers, kaiser permanente urgent care, kaiser permanente member services, kaiser permanente locations, kaiser permanente payment, kaiser permanente pharmacy

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Login Instructions for Secure Online Banking

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Kaiser Permanente, the largest healthcare insurance company in the United States. Many people have searched the internet for a new healthcare insurance solution, and have chosen Kaiser. It provides personalized doctors, schedules, appointments and prescription management services. Kaiser Permanente is made up of three distinct but interdependent groups of entities: the Kaiser Foundation Health Plan, Inc. The Kaiser login for account holders is a bit hard to access to say the least. KFHP and its regional operating subsidiaries; Kaiser Foundation Hospitals and the regional Permanente Medical Groups.

How to Sign up for Kaiser www.kp.org

www.kp.org pay online is available with sign up system and this program is accessible with completion of following steps

New member has to visit website and he has to click for registration link that is present on main page

Registration process is offered in both language; English and Spanish. Customer can choose his desired language with easiness.

Customer has to choose type of services of Kaiser Permanente and he can take further step regarding security.

Customer has to mark his region as this company is offering its services in various states.

Customer is also responsible to provide his basic information regarding his birth, region, health number, etc.

Last step is entitled as finishing of account opening and this is linked with adjustment of user ID and password.

How To Login to Kaiser Permanente Employee Login www.kp.org

Kaiser ePay Payment with www.kp.org is very easy and it can be operated with completion of following steps

First visit the website using mentioned link: https://healthy.kaiserpermanente.org/html/kaiser/index.shtml

Customer has to enter his user ID that is made at the time of registration.

Customer has to enter password that is adjusted at the time of sign up with kp.org.

Click on the green "Sign in" button.

Now you should be ready and logging in!

In case of correct information, he can get access to his account by clicking login link on the web page.

How to Reset your Kaiser Login Password

You will be taken to a page by clicking on this link that asks you to input some information.

Type your User ID into the top box, as labeled, then your area in the next, and your health/medical number after that.

As long as these three portions are filled in properly, click on the submit button. Follow the instructions the page gives you, including checking your email account, in order to get your password reset. You should have access to your account again in a matter of minutes.

How to recovery Kaiser Account Forget Password www.kp.org

Incase you need to reset your password for any reason, there are a few things to memorize you can't use your current or old password, and you will be changing your old password so the old one won't work further more. To make this change, stay on the login page mentioned and linked above.

www.kp.org pay online is easy to pay system and this is offered with online account system. In case of forgetting password, customer has to follow these steps.

Customer can recover his user ID by clicking "forgot user ID" web link.

Customer has to mark his type of health plan service that is joined at the time of registration.

He has to provide information regarding his account to make user ID finable.

Customer has to provide following information for reset of user ID;

In case of provision of correct information; company can give user ID to customer for continuing the services effectively.

In case of recovery of password, customer has to follow these steps;

Customer has to enter his last name and user ID to make recovery of password successful.

Now, he can adjust his new password and make his account active to use the services of Kaiser Permanente.

Pay Bill Kaiser Permanente Online

www.kp.org is online source for Kaiser Permanente payments and this is made successfully with obligation of following steps;

Customer has to login with usage of log in web link on the main page of kp.org.

Customer has to pay bill Kaiser Permanente and this is performed with identification of region that is marked at the time of registration.

Customer has to pay bill and he has to mention bill codes and types to make payments secure and safe.

Customer has to make records of his bills and payments with the use of online payment history feature of kp.org.

I make a One-Time Kaiser ePay Payment Online

Just Go to this site www.kp.org/payonline

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Kaiser Permanente, the largest healthcare insurance company in the United States. Many people have searched the internet for a new healthcare insurance solution, and have chosen Kaiser. It provides personalized doctors, schedules, appointments and prescription management services. Kaiser Permanente is made up of three distinct but interdependent groups of entities: the Kaiser Foundation Health Plan, ...

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how safe is online banking on a mobile phone, safe online banking tips, online banking security articles, is online banking safe on ipad, is online banking safe on tablets, safest way to bank online, best laptop for online banking

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Login Instructions for Secure Online Banking

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As life is progressing, people are moving towards having everything in the palm of their hand. In Japan, people use barcodes on the street to purchase groceries by scanning the barcode through their smartphones, which are ultimately added to the shopping cart and delivered.

While that's an evolved technology change, online banking has paved way for smart banking where paperless transactions are made through your mobiles sitting at home. All your bills paid in a snap, but all the hype leads to unwanted hackers preparing ways to hack your smartphone.

Yes! It's possible to hack your mobile without having the pin code. Even the front and back camera can be accessed. You can be that person who loses millions just because someone obtained your banking details by bypassing the software of your mobile. That is something to think about.

But you can avoid such scams. Let's see how

Choose an account with two-factor Authentication

One of the most common ways to keep your online banking safe is to use two-factor authentications. Nowadays it's a must for high profile website to use 2 step verification which strengthens the security of your account. If you login from a different account or use the account after a long time, it'll require two-factor authentications to gain access.

What it does is, the account generates a unique 4-digit code specifically for the account owner and is sent over as a text message. The code is valid for a short span and can only be accessed on your smartphone. Any hacker would need to have your smartphone to breach your privacy.

Check for latest updates on your Smartphone's operating system

One of the critical note to make regarding your mobile is to keep your software up to date. For iOS users its essential not to root your device or jailbreak it. Doing that would remove all security measures of your device which will be vulnerable to hacks.

They should always try to restrict access that apps ask for when installing to what the app requires. The updates of cell phones are created to patch the loop holes eating your phones software and battery leading to unavoidable spams and virus.

Use an Anti-Virus

We all know about antiviruses. But we have a very negative perception towards it that it brings more advertisements in your mobile and heats your gadget. What we don't realize for online banking through mobile, Anti-virus is a must have. It's an excellent safeguard for your device.

We browse on multiple domains and websites and allow app downloads from 'Unknown Sources' which aren't trustworthy leading to viruses entering your phone such as pipe channels. A good antivirus will scan your emails, browser, block ads and malware-driven downloads without you knowing it. Its available both on Android and iOS making your online banking safe.

Say no to Untrusted Wi-Fi

We tend to access public WiFis to do online banking through your mobile, but you can't trust their security. Why? These WiFi connections are mostly not encrypted making it easy for cybercriminals to hack and steal your precious information anytime they'd want.

These WiFis lure you into a trap and by all means, humans are a curious species who want to inquire and check. We do tap on the free WiFi emoticon just out of curiosity. To avoid this use your cellular data connection provided by your smartphones network company.

Disable Auto-Login

Online Banking Websites or the apps usually store passwords. We tend to click on 'Remember me' just to avoid the hassle of logging in our credentials. What we don't realize is once your mobile goes in the wrong hands by chance could lead to an unimagined loss on a large scale resulting you to lose your finances and data in seconds.

Some web browsers automatically store the credentials, if that's the case of choice then disable the feature on the bank's website.

Be Wary of Text Scams and Emails

Your bank will never inquire through an email or text to ask for your personal information regarding account details. That's not the professional way in the corporate world. If you receive an email or text regarding this type of message, use caution and don't respond. Instead, inquire the issue with your bank's customer assistance helpline which you'll come across on the back of your Debit or Credit Card.

Remember, a stranger will not randomly email you to inform that you won a thousand dollars which are being deposited in your bank account. These are all marketing spams. Avoid them.

Create a Strong Password

We all realize the importance of a secure password. Even the website which requires a password shows a notification bar of how strong or weak the password is. Likewise create a strong password for your online bank account as well. It should include lowercase, uppercase letters, symbols and numerical.

Things don't stop there. Change your passwords more often and don't use the same password for a different website. In case you tend you forget passwords then use a password manager to manage all your passwords.

Keep Bluetooth turned Off

Have you ever heard of hijacking your device by tempering Bluetooth? We all know Bluetooth shouldn't be turned on non-stop but hijacking is a first. If you haven't then you're in for a surprise. Bluebugging and Bluesnarfing are the terms being used to hack through Bluetooth.

Hackers online tap into your Bluetooth and take control of your entire device and its functions. The best way is to keep it switched off unless essential to use to avoid any Banking frauds.

Refer to a VPN

Doing banking online can turn from ease to a disaster if the precautionary measure is not taken. Use a VPN; when all doors are blocked regarding online security on your mobile, then only VPN could give you 100% secure internet connection. A VPN would switch your IP address to a different one depending on what you chose.

Through that, all your traffic will be diverted towards your new fake IP address keeping your real IP address masked from unwanted hackers while you do your banking online on your mobile.Not all the VPNs are as good as they claimed to be. We have analyzed over a dozens of VPN providers but only a few have passed the test. We highly recommend our readers to go with NordVPN that is featured-rich and very affordable.

Keep a Check on Your Bank Statements

Most banks will notify you if your account has been accessed. But don't rely on those alerts since it can be easily manipulated. It's advised to keep a check on your bank statements and see if you find any suspicious ledger or purchase that you didn't make.

Conclusion

While online banking became mobile, instead of easing the life it created fear of losing your finances. No matter what you do, you can be targeted. Do not live in a bubble that no such cyber theft could happen to you.

While you sit relaxed your online banking through your mobile would lead to severe damages. Be aware of such troubles and take safety measure mentioned in our blog.

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How to Use Online Banking Safely On Mobile

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As life is progressing, people are moving towards having everything in the palm of their hand. In Japan, people use barcodes on the street to purchase groceries by scanning the barcode through their smartphones, which are ultimately added to the shopping cart and delivered. While that's an evolved technology change, online banking has paved way ...

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who is the best bank to open an account with, how to choose a bank for the first time, where should i open my first bank account, what bank should i use quiz, checking account, what bank should i choose, how to pick the best bank, bank accounts online

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Login Instructions for Secure Online Banking

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Choosing a right bank account for you is never easy before this. It takes weeks for making appropriate choice or even more if you do not have any knowledge in the same field. Making a suitable selection is just like choosing a new paint color for your house or living room where you have lots of varieties but decision is going to be much difficult. Best and proper selection always depends on your needs involving funds, easiness, financial institutes, and much more.

Sort out your Banking Needs

Knowledge has to be there a bit if not extensive or at least you should be knowing all about internet banking, security of your funds, making sure that the bank will have any must-have technology, your ease of deposits, Bank ATM fees, online banking features, interest rates, minimum balance requirements for account opening, customer service availability and easiness, and much more. The discussion will be around the same in bit brief.

Online Banking

This is a digital and full-of-technology era. We are now in an environment where manual work is not encouraged. Banks are also undergoing transformations. The very first thing you need to consider is to check whether the bank you are going to choose offers online banking or not. You have to know all about online banking. Online banking involves all transactions through electronic channels in the form of emails, online systems, salary processing, customer requests processing, online cash deposits, online bill payments, and much more. You have to make sure that the bank allows online banking in the chosen branch or not.

Security of your Funds

This is very important to consider. Your funds have to remain secured and of course, this is the only reason you look for the bank and open your account. The best way is to look around you and ask for recommendations about various banks. Also, you should go for government approved banks, which assure you the funds' security. Funds security also comes in online transactions when incorrect IBAN is given or title is not confirmed. Never share your bank account details with anyone for better security. When you are choosing right bank for you, you need to make sure that your all details, credentials, and transactions will be secure and safe.

Must-Have Technology

Technology plays important role in each aspect of life and hence, the banking too. Selecting the bank should be followed by the concept that it offers necessary technologies or not. Strategies have to be implemented by banking institutes for the best services. Few of them include customer service experience improvement, Expanding se of data, Multi-channel deliveries, Reviewing data privacies, Open banking implementation, Enhancing digital payments, Managing regulations and compliances, Internet of things, 3D printing technologies, Robotics, Drones,and much more.

Ease of Deposit

When you go for deposit, you always want to skip the queues and easiness has to remain there. Bank has to have easiness in making cash or cheque deposits so that customers do not feel irritated and teased. Check before making proper selection the methods they provide for making deposits. If they are online deposits, it would be best but if they are even physical they have to be streamlined.

ATM Fees

Bank has to have its ATM installed at almost all locations or at least, it should exist near to you so that you can take out cash at your earliest. There can be any emergency, hence, this is mandatory. There should be no tax or fee on cash withdrawal if you have account in that particular bank branch. Yes! If you withdraw from any other network, they will charge you minor amount. Best option is to withdraw huge amount once in order to save yourself from large amount of deductions instead of withdrawing money in chunks for more cutting amounts. Therefore, make sure that the bank you choose offers ATM card free for life and no fees deductions if cash is withdrawn from the same network machine and most importantly, ATM machine should exist in nearby location.

Online Banking Features

Online banking for the bank should have these basic features at least.

Online Banking Login

Transferring amount within same banks

Transferring amount within different banks

Online cash deposits

Utility bill payments

Reordering checks

Viewing online statements

Receiving E-Bills

Applying for loans and EMI

Buy no- Pay Later

Interest Rates

Interest rates are the ones, which you bank takes from you more than you pay. They apply on various produces like credit card payments, loan payments, purchasing car on loan, EMI, taking cash from credit card, and much more. Many banks offer 0% interest rates products also. So, you need to have a quick look on the features and benefits offered by the bank and make choice according to the one meeting your needs at the fullest.

Minimum Balance Requirements

There are some banks, which let you open current account on the condition that you need to keep minimum balance in your account and if you fail to do so, they will deduct annual charges. Ass per them, minimum cash has to be maintained by the customer in current account. In saving account, there is no condition but an interestrateapplicable. You need to have a check on this deeply and do some research around you before making final choice.

Customer service

If a customer service for any organization is not good including banks, it is considered as a weak point for that organization. Customer service has to be perfect and friendly and this you can judge very easily by physically reaching out to some of the banks near you or calling few of them on phone. Level of friendliness and support should be best because you have to keep in touch with them almost daily for your transactions and deposits/withdrawals you make. They should solve your issues instantly and their surveys should also be there, which are usually called to be end-of-call surveys. Alternatively, you can also put your complaints and suggestions in the box given in the branch itself.

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Choosing a right bank account for you is never easy before this. It takes weeks for making appropriate choice or even more if you do not have any knowledge in the same field. Making a suitable selection is just like choosing a new paint color for your house or living room where you have lots of varieties but decision is going to be much difficult.