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April 16, 2019, 8:13 am

Where to Get Freebies for Online Games

by: The Financial Blogger    Category: Uncategorized

Freebies are the secret to making anything we already enjoy even sweeter and online games are no exception to that rule. Online games are already a huge amount of fun. They let us work together with our friends and other players to solve challenges, we can also make new friends and we get to go on massive, entertaining adventures. Many also feature competitive multiplayer where you can compete to be the best player around.

Many games have exclusive rewards or cosmetic unlocks that you have to pay money for, but if you know what you’re doing, you can get a decent amount of benefits for free. Here are our tips.

Check out new promotions

Before you spend any money on an online game, whether that be at an online casino on your computer or on a console multiplayer game, you’ll want to check out the new promotions. To entice new players, many games offer sign up and welcome bonuses that give you extra money to play with or free spins.

Many of the best online casinos run promotions like these, giving you freebies so that you check out their sites. At Spin Casino, they will double your first deposit up to $400 in a three-part welcome package that’s worth $1,000. Zodiac Casino will give you 60 free spins just for depositing one Canadian dollar and 888 Casino will give you 30 free spins just signing up. While offers vary, you’re bound to find a deal that suits your gaming style if you look around.

Complete challenges and objectives

There is a giant amount of competition in the online gaming space and game developers have had to come up with new ways to keep players around. One of these ways is to offer daily challenges and objectives. These help you to discover new parts of the game, new reasons to love it and new ways to have fun.

Many games, such as Epic Games’ Fortnite, also give you free currency for completing these challenges. Certain Fortnite challenges will cost you V-Bucks to unlock, but if you complete all of the challenges you will get back more V-Bucks than you put in. You can use the difference to buy your next battle pass or to spend on premium cosmetics.

Refer Your Friends

If you’re a popular person with a large friend group then online games are the best way to show it. Online multiplayer games are better enjoyed with your friends and so many developers run friend referral programs to encourage you to get other people to sign up. They get a bigger player base and you have an awesome squad, ready to head out on adventures with you.

Some friend referral programs come with freebies. The World of Warcraft system gives you a free month of game time, bonus XP, a free pet or mount and more. The Destiny 2 friend referral program got players a special ship, Sparrow vehicle, and emblem.

Whether you play freemiums or your online games cost money to play from the start, there are freebies to be had. You can be financially smart when you’re having fun.

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April 5, 2019, 1:04 pm

Road To Good Credit Infographic

by: The Financial Blogger    Category: Uncategorized

Your credit score is extremely important, in fact, it’s an asset that you can leverage to get the best finance deals. So, if you’re in the market for a house, a car or even a personal loan, you want to at least consider your credit score and what influences it. If you have a near-perfect score then you can proudly join a very select club.

However, it’s not uncommon to have a less-than-stellar score, and it’s surprising how many people out there don’t really know what a credit score is, let alone what influences it.

Credit reference agencies store details of your credit score in your credit report, and every time you apply for car finance, a mortgage or any type of personal loan, this financial record is accessed by lenders which gives them information on how you handle your credit.

So, if you’ve missed payments on your phone bill that will show up and potentially influence a lender. If you’ve defaulted on a previous loan for example, this will leave a mark on your report. Likewise, if you always meet your contractual obligations then this will be reflected as well.

This makes sense if you think about it, going with car finance as an example, if a lender is going to let you drive away in a car worth thousands of pounds, they want to make sure that you’re a responsible borrower and you’re not a risk for them to lend to.

Fortunately, even if you have bad credit, there are specialist lenders out there who can help you. Check out this comprehensive guide to bad credit car finance if you’d like to learn more about bad credit.

The infographic below details some simple steps you can take to improve your credit score and ensure you’re doing things the right way. Staying on the road to good credit will open you up to the best finance deals.

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March 4, 2019, 9:40 am

Everything You Need to Know About Short Term Loans

by: The Financial Blogger    Category: Banks and You,Personal Finance,Uncategorized

Getting rid of several debts can be taxing, especially if someone doesn’t have the right funding to get the job done quickly.

Here are just a few situations where it might be a good idea to consider obtaining short term loans:

  • Need to pay off a hospital bill as soon as possible.
  • Emergency surgery or procedure that needs to be paid before scheduling.
  • Got into a fender bender and need repairs completed quickly.
  • Need to pay a utility bill before service is cut off!
  • Pay off a ticker or legal fees.

There are hundreds of reasons why someone might not have the money they need for these unexpected situations!

Not everyone has money lying around for emergencies, and that’s okay! Short term loans provide much-needed funding for qualified individuals. Approval could be obtained in as little as a few hours—maybe even less.

What’s even better is that a person could expect to acquire the cash they need the same business day they apply (depending on the lender).

In general, short term loans are a type of emergency loan for those that need money with little hassle. But what short term loans are there for inquirers to consider?

Types of Short-Term Loans to Consider

If anyone is searching for a short-term loan, they may have browsed online or looked at their local newspaper. While short term loans are a popular form of funding, companies call them a variety of different names. However, most loans function the same.

Here are some popular types of short-term loans. Go ahead and see which one works for you and your current financial situation!

Payday Loans

Payday loans, also known as fast cash loans or a cash advance, provide borrowers with cash or a check (depending on their preference), and are one of the quickest ways of acquiring emergency funds. However, payday loans are tightly regulated depending on the state.

If a state offers regulated payday loans, borrowers may only be able to obtain less than $500 or up to $1,000. So, if a borrower needs more than those amounts, they should expect to look elsewhere.

Making payments on these short-term loans is fairly simple. Typically, when a borrower gets paid, that’s when the payday loan will need to be repaid. In short, a borrowers next paycheck will go towards paying off the entirety of the loan—including any interest fees.

It’s important to mention that rollovers are an option for individuals that choose to get a payday loan. Rollovers are extensions offered by payday lenders. They offer borrowers more time to repay their loan but are a pain. Every paycheck from that point onward will keep disappearing until the payday loan is fully paid off.

As a word of caution, payday loans are a good financing option in terms of fast cash, but only for small amounts.

Auto Title Loans

Auto title loans are a type of secured loan. And like other short term loans, borrowers don’t have to wait long to obtain their funds!

The amount provided with auto title loans is a lot higher than other short term loans out there. However, that amount is based on the market value of a person’s vehicle.

The reason for this is because an auto title loan is a secured loan. With a secured loan, collateral is used to “secure” the money and ensures that the lender will receive their money back in case a borrower cannot repay.

For auto title loans, a borrower repays the loan through monthly payments. Typically, this takes 12 months or less. Most lenders let customers pay off the entirety of the loan anytime they please before the loan term ends.

However, title loan lenders also emphasize that any late payments or defaults on the loan will result in repossession of the vehicle. For this reason, borrowers should try their best to remain on top of their monthly payments.  

Installment Loans

Many lenders may advertise installment loans, but most loans are technically installment loans. An installment loan is any loan that follows a monthly repayment plan. These short term loans usually take a few months (12 months at most), depending on how much is borrowed.

Most installment loan lenders may even approve inquirers with little or no credit. But be warned! Rates may factor into that credit score and could leave someone in even more debt by the end of it!

Line of Credit

A line of credit acts like a credit card and could provide a convenient and simple form of funding. Depending on who’s offering that line of credit, a customer usually must pay off whatever they end up using and are given a max cap of credit to use.

Like other short term loans, a line of credit works mostly the same, but the amount of credit is based on credit history, income, and other factors.

When to Use Short Term Loans

These are just a handful of loans that fit under the ‘short term loans’ category. Just to recap, here are some advantages that all short term loans tend to have over traditional bank loans.

  • Shorter Time to Pay Off: Short term loans need to be paid off usually within a year or less. Having short repayment terms means rates may be less and paying off the loan sooner doesn’t seem as daunting. Other types of loans, such as mortgages, last more than 12 months!
  • Fast Cash Loans: Short term loans are less risky compared to longer term loans because of that shorter maturity date. That underwriting process becomes shorter as a result, and lets people acquire money the same day, or even the next day!
  • Easier to Obtain: Considered the lifesaver of emergency loans in the financial world, short term loans are there for people who may not have very good credit or meet the other minimal requirements of a long-term loan. This makes it easier for almost anyone to acquire the money they need!

Even with all these advantages, short term loans should be used responsibly and not taken lightly. They can really be a pain in the wallet if they aren’t paid sooner rather than later!

So those in need of quick, emergency funding who would like to experience the advantages listed above should consider short term loans.

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February 13, 2019, 10:33 am

Ideas for Spicing Up Your Business Visibility?

by: The Financial Blogger    Category: Uncategorized

Marketing savvy entrepreneurs are always looking for ways to make changes to their campaigns. Most businesses recognize the value of using a well-rounded plan that includes traditional and social media outlets for optimizing brand awareness and business visibility. If you’ve been looking for some ideas for spicing up your overall efforts in marketing and advertising, we have some ideas for you.

Always start with shareable content on your social media sites.

Share-worthy content is at the heart of what you should be doing on your business site and your social media sites. Blogs, links, and content you’ve curated from other sources only do the job if they bring potential followers and possible consumers to your site. Remember that shareable content can start generating traffic to your site. Most marketers recognize that the value of content to a business is that it builds the readers’ belief in the company or the individual as an expert and increases his level of influence. You can build a community of consumers without being overly self-promotional and still manage to get the necessary interest in your product and service moving.

Always remain consistent in your posting.

Most online businesses recognize the value of remaining relevant and understand that consistency is key. Posting at least a couple of times a day would be the minimum for legitimately trying to engage with a community of followers that you hope to maintain. If you want to convert those followers into loyal consumers or subscribers, you need to be finding regular ways to change it up from time to time so that they aren’t seeing the same old information repeated daily in different ways. Even regular viewers and readers can become disengaged if there isn’t fresh and interesting content posted consistently across time that gives them a reason to come back to your sites again and again.

Pin your top performing post to the top of your profile.

Social media posts that performed well should be highlighted. Post it at the top for all to see. You can showcase information and interest to new audiences, and let your regulars in on the ground your site is gaining. In order for this to work, make sure that the post is worth sharing because it remains relevant and is not dated. When it is no longer timely, switch it out for a more recent post. Learn the statistics and best practices for pinning a Tweet or Instagram or Facebook post on your social media platforms that can boost your business’s visibility.

Dabble in podcasting to see what your viewers enjoy.

Thanks to the instantaneous connection to millions of people afforded by the internet, your computer can allow you to become a bona fide radio disk jockey, talk show host, or recording artist. Depending on what your industry is, podcasting can allow you to log on to one of several podcast sites on the web and download content ranging from music to philosophy to health and wellness. If you’re not sure what a podcast is and how it works, now might just be the time to learn. As a free service, podcasting allows Internet users to pull audio files from a podcasting website to listen to on their computers, phones, or personal digital audio players without turning in to a particular broadcast. They simply download the podcast on demand or subscribe through an RSS (Really Simple Syndication) feed. Businesses that are looking for a new way to gather an interested audience may find podcasting to be a valuable addition to their marketing campaign.

Get visual with youtube videography.

Your business may really benefit from developing a dedicated YouTube channel that allows you to feature longer responses to thoughts, opinions, or ideas that you have about your business, niche, or overall industry. Your business YouTube channel could be an interesting and innovative tool that will help maintain the loyalty of your growing social media following. It will also help develop content that can be added to your other social media accounts.  If you’re not certain where to start in developing a channel, you may want to go back to some of your high performing posts and see what meatier responses could be drawn from those. Consider discussing critical issues in your industry or start small with a how-to video of one of your many products. Interview a loyal consumer that has positive things to say, and improve your business marketing campaign by gathering subscriptions and memberships down the line.

What are some tools or tricks you’ve used to improve your business visibility online? Share below.

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February 8, 2019, 8:18 am

Four Tips on Making Money from Affiliate Marketing

by: The Financial Blogger    Category: Uncategorized

For those looking to make some money online, affiliate marketing can be a great opportunity. There’s no need to worry about promoting a new, untested product or service, as your main aim will be to promote products and services on behalf of other brands, who will pay you a commission when a sale is made through your channel. When you think about it, making money from affiliate marketing isn’t all that difficult. But if you want to go ahead and make some serious income, here are some top tips to keep in mind.

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#1. Come Up with a Strong Brand:

Don’t rely on the brands that you are promoting for success as an affiliate marketer. Most brands today will sell via a variety of channels, so you need to give customers a reason to make their purchase through your site, rather than going to the brand directly or purchasing on Amazon, for example. One of the best ways to do this is to come up with a strong brand of your own. For example, think about a comparison site that you use regularly – it has its own branding, but makes money by suggesting products and services to you based on the information that you enter.

#2. Stay Legal:

Don’t run the risk of losing your business over small legal mistakes. If you are based in the US, you’ll need to make sure to disclose that your links are affiliate links, in a sentence that’s as close as possible to the link itself. This means that you can’t just slot the affiliate link disclosure in at the bottom of your posts, so it takes some thinking about. If you’re based somewhere else, it’s a wise idea to double check any laws on affiliate links in your country.

#3. Recommend Stuff You’d Use:

When you’re just starting out, it can be tempting to promote a range of popular products on your affiliate site. However, if you have no interest in a product or service and wouldn’t use it yourself, it’s going to be very difficult for you to convince a user to purchase it through you. It’s incredibly difficult to fake genuine passion and enthusiasm for a product or service over a long period of time, so go for something that you know you already enjoy when picking your niche. You can find more tips on picking a niche and building your affiliate site over at Internet Income.

#4. Provide Useful Content:

When it comes to building a successful affiliate website, high-quality and useful content should be at the forefront of your marketing efforts. A blog is an easy and simple way to create an affiliate site, giving you a platform to provide your readers with useful information that they can apply to their daily lives. For example, if you run a health blog, you could insert affiliate links for exercise equipment in posts that help your readers get the most from their workouts. If your readers trust what you have to say, they’re more likely to buy through you.

Affiliate marketing is a popular method of making money online. Keep these tips in mind, and you’ll be on the path to success.

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