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twisttech · 4 years ago

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8 Mobile Recharge Apps To Get Maximum Real Money Cash

Free Mobile Recharge apps for Android are the best way to pay you Real Money Cash. Lots of people search the internet for the best free Android apps to Earn Extra Money.

Refer and earn apps are similar to them too. Nobody wants to spend a lot of money every day to recharge their Prepaid Mobile SIM card. So in this situation, we thought we could find something that allows you to charge for free.

It is always good to have some money at the end of each month. If you are looking for some extra money, you have come to the right place. Many survey apps pay you just by filling out survey forms online.

While they won't make you rich, there are plenty of apps that will reward you for completing simple recharge tasks on your phone. Some of these apps pay real money to the people who use them. There are dozens of these apps available, and yes, many of them are sketchy or scam. But there are some that are not only legitimate, but also worth checking out.

That’s why we decided to share some of the best paying Real money Cash Online Recharge apps for Android phone, which gives you unlimited recharge by downloading some apps or Make online recharge with these apps

Looking for the Best Mobile Recharge Apps for Android to Earn Extra Money? If yes then this article is very helpful for you. I’m going to share some of the best referral and earning apps that can earn you a lot of top-ups (depending on the number of referrals).

If you are really interested in Earn Real Money with online prepaid Mobile Recharge , try the top paying free recharing apps from the list below. Trying to search the internet will bring up a large list of applications that provide free charging services. But not all of them are good enough.

Why? Because most of them don’t pay their users a cent. Don’t worry, we only have proven and real apps on our list.

There are many ways to make money online, but getting free top-ups is a bit crazy. You can earn everything you want with the best free Recharge apps for Android that we are going to share in the next section.

This article lists the latest popular apps today. Even you can say them too, Best Refer & Earn Apps as the most important part to load up is referral program for these applications. We also recently shared the best 3D games for Android, we hope you like them.

We can earn a lot of free recharges with these free recharge apps that pay more money. While some people think that all these apps in play store are fake. But they are actually wrong. Some apps are well in the market for the best free Recharge apps for Android, which really send your free talk time by filling up a few offers or using a referral program.

Android is the best gadget nowadays, everyone has Android phone. But what if you get a great fit to get a free balance on your SIM? Yes, it is possible to use the best applications to earn free credit. What you need is simple, install these applications on your mobile and start earning free credits. Check out the funny biographies on Instagram.

1. Empire ReEarn

Empire ReEarn, With just a few clicks and all the required information, you can successfully online recharge and pay your bills. As a 100% secure payment option, it ensures complete security of shared information. The various service provider networks covered by Prepaid mobile recharge include Airtel, Jio, Vodafone, Tata, BSNL and Tata Docomo etc.Empire ReEarn Provides Cashback Offer On every prepaid recharge. Along With that Empire ReEarn provides tree income to grow your business with no investment.

Prepaid users, there are many plans and their information that you can use to make informed choices before performing a top-up transaction. For uninterrupted DTH services, you can connect your Airtel DTH, Big TV, Dish TV, Sun TV, Tata Sky and VideoconD2H to live instant charging, without missing your favourite shows to capture all live sports. with great mobile recharge cashback.

2. Khatriji

Khatriji also includes a cashback policy, according to which the user receives cashback on every recharge whether it is for mobile and DTH or data card. Skyomie can expand the tree by handing over to his friends and family and in that case if any of them buys Khatriji’s product, Skyomie benefits more than the referral income.

Thus, Khatriji’s Skyomie is capable of earning money from home. Skyomie can also set up his own business and increase his income through Khatriji in this way. Therefore, Khatriji can be considered a digital platform for start-ups.

3. Slide – Free Paytm Cash Earning App

A Slide is the best free Paytm cash earning app for Android phones. It gives you a sign-up bonus of Rs. 5, which will be credited to your account immediately after registration and verification of your account via OTP.

You will then receive 10 rupees for each successful referral. You can exchange your winnings as a free top-up or Paytm Cash, it is your wish! If you think it is fake or if you did not pay your money, you can check the reviews of its users in the Play Store, it is one of the trusted applications according to the comments of its users.

Exchange your winnings as long as you reach a minimum threshold of Rs 50. I have personally tried this app and found it very useful. the slide app from play store. click Here

4. Amulyam – the highest paying free Recharge app

Amulyam is a very old application that receives updates in a very short time. Initially Amulyam will pay Rs. 10-30 for referrals but now they have expanded their database and loopholes users installed this app on their android mobile.

You can make a lot of money by downloading other apps from there or you can go to the Refer & Earn program where you get Rs. 1 receive instantly when your invited friends sign up for this app and then Rs. 10 if they take Rs. 1 on the same registration day and the last Rs.100 if they earn Rs.50 on the same registration day.

So isn’t it the cool and top paying free Recharge app? Download today and earn unlimited free talk time. click here

5. mCent – the best free Recharge app ever

mCent is one of the best and oldest free Recharge apps for Android of the year. We have received over 10,000 (Rs. 10,000) with referrals. You can get free refills by downloading an app included with mCent. Per app offers something Rs. 2-10. In addition, it provides a referral system. Once mCent Rs. 700 per referral and after that it lowered its referral amount and now offers Rs. 40 / per referral.

It means you will spend Rs. 40 per download via your link or referral code. All you need to do is register in the mCent application. Click the Recommend & Earn tab, copy your referral link (code) and share it with your friends and family. As long as they download the mCent app and sign up with their referral code. Your account will be automatically credited with Rs. 40.

6. Task Bucks – Free Paytm Cash

Task Bucks is one of the best applications to earn free reloads. One of the main features of Task Bucks is that you can also exchange your earnings as Paytm Cash. Yes, it directly means you can earn free Paytm money with this app. In addition, you can exchange your points for top-ups.

It is a new free Recharge app that offers Rs. 25 Paytm cash per referral. You need to register there and share your referral code with friends. For each successful referral, your account will receive a credit of 25 rupees.

It also shows you a lot of apps on your homepage, by downloading them you will make more money without referrals. You can withdraw your earnings as Top-Up or Paytm Cash.

7. True Balance – Trusted Free Recharge App

True Balance app It is also a newcomer to the Play Store application developed by the developers of Balance Hero. You can also charge your phone for free when downloading applications and references.

The main feature we love is that it shows your SIM card balance in the notification bar. Yes, you do not need to enter the USSD code to check the remaining balance. You can view the main balance of both Sim cards directly from your Android’s notification bar.

8. Ladooo – The best application to earn free balance

Ladooo is also the best and oldest free Recharge app for Android users. We have already won many reloads with him. It offers free recharge by downloading an application and by referrals.

If you don’t want to send a link to friends or family, you can also earn directly by downloading function apps from Ladooo App. Each app offers Rs. 5-10. You can exchange your earnings for mobile recharge.

There can be thousands of ways you can make money. Of the ways you will find online, many may be legitimate while many options don’t necessarily help you make money. With the advent of smartphones, people have found many ways to profit from them. These apps don’t make you a millionaire overnight, but they help you meet your daily needs and save money. The money earned from these apps will help you with your monthly bills.

Source :�� 8 Mobile Recharge Apps That Pay You Real Money Cash

#8apps #amulyam #appsthatpayyou #bestearningapp #earningapp #EmpireReEarn #khatriji #makemoneyfast #makemoneyonline #makemoremoney #mcent #onlineearning #onlinerecharge #Refer&earn #taskbucks #Truebalance #waystoearnmoney

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talabib · 4 years ago

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How To Control Your Finances

Do you ever seem to find yourself without enough money? Do you find that money slips from your hand as fast as a bar of soap? Do you find it easier to stick your head in the sand rather than face your bills or review your bank statements?

If this sounds like you, you’re certainly not alone. Being good with money is not a natural practice for most of us.

This post is designed to help you get control of your finances by equipping you with the knowledge and skills you need to make informed choices about money. So, what are you waiting for? It’s time to get learning, start saving and look forward to a calmer, more secure future.

You can land a cheaper mortgage by saving for a larger deposit and reining in your expenses.

Let’s begin by addressing one of the most cumbersome financial problems of our era – and what is most likely your largest expense – housing.

Over the last few decades, house prices across Western countries have escalated rapidly. This has made the prospect of home-ownership nothing but a pipe dream for a whole generation of young people.

A report by the Institute for Fiscal Studies estimates that average house prices across the UK have risen to at least ten times the average salary of 25 to 34 year-olds, and in London, it’s as much as 16 times.

Given that you’re unlikely to be able to borrow more than four or five times your salary with a mortgage, you can see why there’s an affordability problem – the numbers just don’t add up.

Unfortunately, for those wanting to get on the housing ladder, there are no quick solutions. But there are things you can do to appear less risky to lenders, and that will help you borrow more and secure a cheaper mortgage.

Whether you can afford to buy a house really depends on two things: can you raise enough for the deposit, and can you convince the bank to let you borrow the rest?

Regarding deposits, the general rule is that the more you can put toward a deposit, the less you have to borrow, and the lower your interest rate is likely to be. Most first-time buyers will only be able to afford a deposit equivalent to 5 percent of the value of their house. But, here’s some advice: if you can scrape together at least a 10 percent deposit, you should – because this is the threshold for substantially cheaper interest rates.

Whether the bank will let you borrow the rest depends chiefly on your income, which you probably can’t do much to change. But one thing you can do is team up with another salaried person, which will effectively double how much you can borrow.

Your outgoings are also important. You’ll have to show at least three months of bank statements – or two to three years of bank statements if you’re self-employed – so it’s vital that you don’t default on any bills or make excessive purchases within this period.

This deep dive into your finances might seem excessive, but it should also make you think about whether you can actually afford to make the monthly repayments on a mortgage for the better part of your life. Or if you even want to.

Improving your credit score can get you better deals on loans and mortgages.

Another crucial factor that banks look at when evaluating you for a mortgage or any loan, for that matter, is your credit score.

Your credit score is a number created by credit reference agencies. These agencies keep track of your interactions with financial institutions like banks and energy suppliers. The idea of a credit score is to evaluate your past borrowing behavior so that lenders have some indication of how likely you will be to repay a loan in the future.

Credit scores are important for everything from applying for a credit card to being accepted as a tenant. But, most importantly, they’re essential for getting cheaper mortgages. Any blemish on your credit score, due to, say, defaulting on a bill for several years, could get you turned down for a cheaper mortgage, costing you thousands in extra interest.

Another quirk of the credit-score system that has long perplexed borrowers is that having no credit history is often worse than having a negative credit history. But just think, if a stranger asked you for money and you didn’t know a single thing about their history of repaying loans, you’d probably be reluctant to hand them money too. Lenders need something to go on.

This can be a problem for first-time buyers who haven’t yet had the chance to build a credit score. The easiest way to remedy this is to start borrowing small amounts. You could, for example, take out a credit card and start using it for daily expenses but make sure you pay it off in full each month!

There are plenty of things you can do to improve your credit score. For one, you can pay all your bills on time. Defaults will stay on your credit report for six years! Also, avoid applying for too many financial products within too short a space of time – things like savings accounts, loans, and credit cards – as this doesn’t go down well with a lot of lenders. And remember, even if your application is turned down, it’ll still affect your credit score.

It can be extremely frustrating knowing that these mysterious credit agencies have such a frightening amount of control over your life. It’s important to remember that you do have certain rights. If there’s anything on your credit report you think is unfair, contact the agency to have the issue investigated and, hopefully, struck off.

No matter how much debt you have, it’s not unmanageable.

Unaffordable housing is one problem that defines this generation – another is debt. Whether it’s life-time mortgages, astronomical student loans, or spiraling credit-card debt, we’re up to our eyeballs in the stuff.

The debt charity StepChange estimates that, in the UK alone, there are 21 million people struggling to pay their bills on time, and 3.3 million people suffering from severe problem debt.

So, if you’re struggling with debt, you’re certainly not alone. But you need to stay on top of it. Understanding how to manage your debt will save you a lot of pain and money in the future.

This might seem obvious, but the general rule of thumb when borrowing money is to borrow as little as possible and pay it back as quickly as possible. That way, you minimize the amount of interest you have to pay on top of what you borrowed.

So, let’s imagine you’re £3,000 in debt on your credit card, and you have to pay 19 percent interest. If you only pay the minimum required payment each month – say £74 – it would take you 27 years to pay off your debt in full and would cost you £7,192 in total. That’s more than double what you borrowed. If, instead, you pushed yourself to pay £108 a month, you’d pay it all off after only three years, and it would only cost you £3,879 overall.

It simply doesn’t pay to bury your head in the sand and pretend your debts don’t exist. You’ll only magnify the grief you have to face down the line.

If you’re really struggling with your debt repayments, you should contact your creditor to arrange a more manageable repayment plan. If you explain your situation, many creditors will also offer you some interest-free breathing space of at least 30 days.

Failing that, you do have other options. Debt really shouldn’t be something to lose sleep over. Remember, no debt is completely insurmountable. Even bankruptcy isn’t all that difficult to bounce back from should you decide to wipe the slate clean and start again.

If you're in a substantial amount of problem debt and you’re finding it overwhelming to pay off, then get help. There are a lot of institutions out there dedicated to helping people in your position. If you’re in the UK, check out StepChange’s online debt calculator and free advice service.

You can budget effectively without lowering your standard of living.

Unfortunately, with housing costs and debt to pay off, most of us exist in a constant state of needing more money. If we can’t earn more, there’s really only one option left – budgeting.

Yet, budgeting doesn’t always come naturally to us. It often feels easier to flash our plastic than to rein in our temptations.

Perhaps the problem is that we often engage in retail therapy to make ourselves feel better. So, when we hear the word budgeting, it invokes a sense of puritan-like restraint and a life as plain as breadsticks.

But budgeting really doesn’t need to imply a reduced quality of life. We all know that a lot of what we buy doesn’t make us any happier. So, budgeting isn’t about cutting back on life’s pleasures; it’s about cutting back on needless spending. And to do this, we need to be a little less unthinking with our debit cards and a little more mindful.

This is where the Japanese concept of Kakeibo can really help us. The word literally translates to a kind of household ledger in which you keep track of your day-to-day expenses. But it also refers to the philosophy and art of personal money management.

The principle goal of Kakeibo is to imbue a sense of mindfulness into your everyday spending. Honestly, just being aware of your spending is sometimes all it takes to rein yourself in. If you knew that the £4 tray of prawn gyoza you buy for lunch every day costs you over £1,000 a year, you’d probably make your own lunch more often.

The first step in the Kakeibo method is to do some basic accounting. Write down your total income for the month and then subtract all the necessary expenses from this figure, such as rent and bills. Next, decide on a savings target – maybe 20 percent of your income – and subtract this from the total as well. Then divide what’s left into four, and you have your spending money for the week.

The next step is to divide your money into pots. Let’s face it, if there’s money in your current account, in your eyes, it’s probably going to be fair game for spending. So separate that money into different accounts as soon as your salary comes in each month: one for savings, one for essentials, and another for everyday spending.

The Kakeibo method makes it easy to save with minimal effort. Since you do all the calculations in advance, you don’t need to struggle with the mental math while your card’s already poised.

Investing your money in a fund is a safe way to grow your savings.

Since the 2008 financial crash, interest rates have fallen to record lows, even lower than inflation. That means your savings are growing more slowly than the currency is decreasing in value. In other words, you’re losing money.

For this reason, you’re arguably better off taking your money out of your savings account and putting it into an investment fund instead, as these usually have better returns.

But wait a second. Investing? Don’t you have to be rolling in cash to invest?

Well, not really, not unless you intend to go full Wolf of Wall Street. As a matter of fact, investing your money isn’t any more complicated than opening a savings account – all you need is a spare evening after work.

But granted, maybe you don’t know the first thing about investing. Where do you begin?

You’ll most likely invest in a fund via an online platform known as a fund supermarket. These are companies that administer your investments on your behalf for a fee, and in exchange, they offer various tools, advice, and graphics to help you manage your portfolio.

Unless you really want to get involved, you don’t actually need to make any decisions about which shares or assets to invest in. The only decision you need to make is which investment funds you want to jump on board.

Investment funds are like a big pot in which a bunch of separate investors have pooled their money. Only the fund manager – someone who knows what they’re doing – makes the difficult decisions about where and what to invest in.

This is all great, but isn’t investing risky?In theory, yes, there is an element of risk involved in investing. But, in practice, if you’re only investing in funds, you’re highly unlikely to end up with less money than you started. That’s because the whole point of an investment fund is to minimize risk.

It does this by giving everybody in the fund a percentage stake in a much larger and more diverse spread of assets than any individual could afford by themselves. The more diverse the spread of assets, the less vulnerable investors are to fluctuations in the value of any one type of asset.

This practice is called diversifying – otherwise known as not putting all your eggs in one basket – and it’s one of the pillars of safe investing.

Ultimately, the experience of investing your money in a fund is much the same as keeping it in a savings account, so definitely consider it as a legitimate option for growing your money.

The earlier you set up a pension plan, the better.

Pensions are the least sexy of all personal finance topics – and that’s saying something.

Saving for a future that may never happen, in accounts that you can’t touch for decades, is the least fun kind of saving. At least saving for a house or a holiday gives you something tangible to look forward to.

Nevertheless, it’s important to save for your future. You might not want to hear it, but someday you’ll be old. And, with average life-expectancy creeping ever upward, you probably won’t want to still be serving coffees when you’re pushing 100.

The hard truth is, it’s better to start contributing toward a pension when you’re young. The sooner you start, the more time you’ll have to make contributions and grow your pot thanks to the miracle of compound interest.

But why do you even need a pension? Why can’t you just keep your money in a savings account?

Well, governments are keen for their citizens to save up for retirement while they’re young and still able to earn. So, to encourage you to save, they offer pretty generous tax reliefs on money you put into a pension pot.

At its simplest, a pension is really nothing more than a savings account or an investment fund that’s been wrapped in a tax break.

That’s why a pension is a more lucrative way to save than merely tossing money into a current account of stashing it under the bed until you’re 70. The downside, of course, is that you have to lock that money away until you retire.

So, how much should you be saving? Brace yourself, because it’s probably much more than you imagined. Most experts say that, in order to maintain the same quality of life you have now, you’ll need about two-thirds of your current salary for every year of retirement, which you should assume will be at least 20 years.

Therefore, if your current salary is about £30,000, then to have a yearly payout of £20,000 over 20 years of retirement, you’ll need to save £400,000. To save that amount, you’d realistically have to save about £750 a month in your pension fund.

This might not match up with your situation exactly, but it should light a fire under you. The easiest way to figure out how much you need to save is to use an online pension calculator.

Discussing finances regularly and openly can improve your relationship.

It’s up to each couple to hash out an arrangement that works for them. But, of course, couples aren’t always going to agree, so they should be prepared for some awkward conversations around the dinner table.

It shouldn’t come as a surprise that money is the most common source of conflict between couples in relationship counseling.

Part of the problem is that partners often have very different expectations about the social value of money and how it should be spent. For example, one partner might interpret lavish spending on clothes as an expression of success, while the other thinks it’s just plain wasteful.

For this reason, couples counselors recommend open and regular communication about financial expectations – especially if you have joint finances.

Any resentments around money need to be aired and talked about with your partner. While these often feel petty and not worth talking about, they can easily get out of hand and cause more destructive conflicts.

A technique employed in couples’ counseling to help restore trust around finances is contracting. You can try it at home too. The idea with contracting is that you work together to set out a series of financial guidelines that you both sign off on. You might, for example, contract that the other is not allowed to comment on any purchases you make with your personal account. Or you might decide how much each person must contribute to rent and bills given your different salaries.

Remember, fairness in relationships doesn’t always mean that each partner must contribute the same amount of money. It’s rare to find a couple who both earn the same income when they meet and continue to earn the same income for the duration of their life together.

Managing your money also requires managing your emotional relationship with money.

Money might not be able to buy you happiness, but constantly feeling as though you don’t have enough of it can have a detrimental effect on your mental health and quality of life.

Unfortunately, financial strain and mental health problems tend to compound one another, creating a vicious cycle. Money affects our mental health when, for example, we are stretched too thin to meet the bills we have to pay, or we feel overwhelmed by our debt obligations.

The mental health charity Mind estimates that people in unmanageable debt are 33 percent more likely to suffer depression and anxiety than the general population.

And, on the flip side, when we feel depressed and overwhelmed, we might not be able to face opening the bills and debt letters that arrive unwanted in our letterbox. Or we spend to make ourselves feel better.

The connection between our finances and our state of mind is the bedrock of financial therapy, which has recently taken off in the United States. Financial therapy mixes practical financial advice with more traditional emotional and psychological therapy.

What this practice demonstrates is that tackling money problems involves more than doing some accounting and calculating budget plans. Managing your money ultimately means managing your relationship with money – that is, how money makes you feel and behave.

Let’s consider some practical advice that should help you feel a bit better about your finances.

First, be realistic about your budgeting. Holding yourself to an unrealistic budget can make you feel terrible when you inevitably overspend. You might then give up budgeting altogether. Always budget some money for fun, pleasurable experiences too.

Next, consider getting yourself a folder and use it to store all your financial paperwork, such as bills, receipts, and statements, in one place. If you haven’t done this already, it’s a truly cathartic ritual that works wonders to cure scatter-brain syndrome.

And, finally, consider incorporating a mood diary into your household ledger. That means that alongside your day-to-day expenses, you can also keep a record of how you felt when you spent money. You might, for example, notice that you only do online shopping when you’re exhausted in the evening. So you could introduce a rule where you’re only allowed to make purchases in the morning – at which point, you probably won’t want it anymore.

Ethical funds are a safer and more lucrative option for your money.

Do you support the National Rifle Association? What about oil companies like Shell or Exxon?

You might not be a vocal supporter of gun rights or fossil fuels, but there is the chance that you may be propping up these industries without realizing it.

If you’ve ever been enrolled in a workplace pension, there’s a good chance that one or more of the investment funds chosen by your pension provider includes shares in companies you believe to be socially and environmentally irresponsible.

So what can you do about it? You don’t have any say in who your pension provider invests in, right?

Fortunately, it’s getting easier for people who care about the ethical impact of their money to do something about it.

Most workplace pension schemes should offer you the option of changing your default fund to what’s called an ethical fund. This is an investment fund that excludes companies deemed to be socially or environmentally detrimental, from gun manufacturers to gambling websites.

You might even have the option of investing in a positive impact fund that goes one step further. These take a more proactive stance to investing by only selecting companies deemed to have a positive impact on society. For example, Dame Helena Morrissey introduced the world’s first “girl fund,” which only invests in companies with a good track record for gender equality and diversity.

In the past, the objection to investing in ethical funds was that they weren’t as lucrative. Of course, if you’re investing money, it’s probably because you want that money to grow. This means you might be tempted to put your personal interest before the public good.

Fortunately, the view that taking an ethical stance means sacrificing financial return is outdated. Actually, experts are increasingly voicing the opposite opinion. Ethical investments might be safer and more lucrative in the long run.

This is due to society's changing values. The younger generation is far more socially and environmentally conscious than their baby-boomer parents, whose wealth they’ll soon be inheriting. As a result, while companies like gun manufacturers and fossil fuel providers were once safe bets, they’re increasingly seen as risky due to mounting pressure on governments to regulate these industries.

It’s important to remember that what you do with your money has an impact on the real world, so use it wisely.

Getting on top of your finances means tackling both the practical side of money – learning how financial products work and using them to your advantage – and the personal side of money – learning to control the way money makes you feel and behave.

Action plan: Try the 50/20/30 technique.

To budget effectively with minimum effort, it helps to put your income into separate pots when it comes in every month. The 50/20/30 technique gives you a good estimate of how you should divide your money. Put 50 percent of your income into an essentials account – that means rent, bills, and commuting costs. The next 20 percent goes toward paying off debt, or if you’ve paid off all your debt, you can put it into a savings account. The last 30 percent goes into your current account, and that constitutes the absolute limit you can spend on cocktails for the month.

#How To Control Your Finances

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eknowledgetree2015 · 5 years ago

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11 Best High Paying Affiliate Programs you need to Join in 2020(updated)

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Mango tools affiliate program is the free signup program which benefits mostly the bloggers to maintain their website with good SERP results and attractive keywords, competitive keywords too. You can analyze the website's accuracy with this affiliate program. You can get 30% of the commission if anyone used your link to sign up for this program. It had three plan one is basic which is 29$, a premium is 39$ and the agency for 79$ per month. For the free account with mango tools you can get 3 keywords for every 24 hours and 50 related keywords depending on your search. In general, no website is paying such type of services. As an overall the mango tools affiliate program is the one of the best affiliate paying program for the website owners because it helps to generate or reach their web content to a huge traffic. Simply sign up here to enjoy the good keywords density for your websites. 5 Adbuff Affiliate Program:

Adbuff affiliate program is an Adsense network where you can earn a substantial revenue by joining as the publisher. But to get approved for the adbuff affiliate program your website must qualify the terms and conditions of the adbuff. Once it had approved, for having the adbuff AdSense on your website for a period of 60 days you will get 25$ and for referral any of the publisher you can earn 5% as the commission too. For the publisher account to be approved your website must have 2000 unique visitors per day. Your website should contain a good content, not the illegal or any other external links which opens malware files. Your website must contain a good functional design layout. It helps the publishers to double their revenue by attracting the other publishers to join your affiliate program. 6.Payoneer high paying affiliate program:

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The SE ranking affiliate program is an all in one SEO platform for building a project with the accurate budget. It provides the competitive SEO tools with special features. This affiliate program helps in finding the competitor keywords, backlinks monitoring, and keyword grouper. This SE ranking program follows the 100% ranking, website audit, and marketing planning for getting the dynamic results for the websites. It had a great SEO potential for monetizing and budgeting. It also provides and tracks the white label and page changes monitoring too. You can outrace the competitors and get top in the SERPs results using the competitors' research module. It provides a wide range of offers for the people. The basic plan i.e personal 7$ per month with 50 keywords, website audit for 5000 pages and backlink monitoring for 1000 links. OPtimum plan for 35 $ per month for 10 websites. They provide 250 keywords, website audit for 25000 pages and backlink monitoring for 5000. The plus plan for the 89$ per month, 1000 keywords per month, website audit for 150000 pages and backlink monitoring for 25000 links. The enterprise plan for 189$ per month with 2500 keywords, website audit for 250000 pages and backlink monitoring for 75000 links. You can get 30% commission for every sale you made. 9.Wealthy Affiliate Program:

Wealthy affiliate program is one of the CPA marketing based online program for earning a good revenue by just referring the friends. You can also know more knowledge about how to increase the website revenue with good SEO tips and do the effective affiliate marketing. You can also get awareness about many functionalities while using this wealthy affiliate program . Its very easy to join and free. The first-month discount offer for 19$ where you can get the commission of 8$ per the first month and thereafter 23.50$ next month, yearly 172$ and for premium signup, you can earn 100$. For doing simply joins you can earn 4$ per referrals and 11.8$ monthly and 87.50$ yearly commissions. 10.Adsterra Affiliate Program:

Adsterra affiliate program is nothing but Adsense network where you can simply earn with the referrals also. Its very easy to join this affiliate program, send your website for approval, choose the ad formats and get the ad code once your website had approved. You can earn dollars with the referrals. Simply promote your affiliate link and when the referral joins and uses this adsense, you can start your earning. Your earnings will increase if the referral uses the adsterra network daily for promoting. Slowly you can increase your revenue share by multiplying the number of referrals. I had earned a few, so start earning by joining here. 11. 3dcart Affiliate Program

Here is another great affiliate program that you can use to refer to anyone looking to create a website or start an online business. 3dcart is a complete website builder that makes it easy for anyone to sell products online. 3dcart’s affiliate program pays a 300% commission, which is over $600 per sale. They also have a 120-days cookie duration which extends the tracking time of any referrals, and they also offer second tier affiliate commissions, which can add up quickly if any of your referrals also become an affiliate. Read the full article

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fnewstoday · 5 years ago

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Forget These Common Credit Myths That Prevent You From Acting Now

Often we are stopped from the actions that we need to do to solve our problems by some myths or rumors about unpleasant consequences. To get financial support from creditors, you just need to choose the most suitable type of credit and the best offer among others, corresponding to your needs. However, common credit myths is holding back many from filing an application, raising concerns about the undesirable outcome. The good news is that not everything that you could hear about loans has a solid foundation and is true. For example, you may have heard that the average credit rating in different states may affect your creditworthiness and the likelihood that you will receive approval from the creditor. In fact, this does not determine the probability for you personally, because each lender will study your particular circumstances when considering your loan application. There are quite a few such common credit myths, but most often they have nothing to do with the real situation. You may be frightened by bad aftermath, or vice versa, promise a quick improvement in the status of your credit, but before you make a decision, find out which common credit myths really should not be taken into account. Such a reasonable approach will allow you to avoid wrong decisions that can affect your finances badly. In some cases, you will not receive the necessary financial assistance, and in others you will get into unwanted debts, from which it will be very difficult to get out. Further you will learn about the most common credit myths that are not worth listening to if you want to improve your credit.

One late payment will not lower your rating

Life sometimes brings us surprises, both pleasant and not so pleasant, so it may become difficult for everyone at some point to make timely credit payments. If you were a responsible and punctual borrower before, then you might think that a lender might ignore one such case and forgive you. The meanness of this from common credit myths is that even a single overdue payment on a loan or credit card will immediately badly affect your rating and lower your credit score. You must remember that no one owes you anything and you sholdn’t count on lender leniency. Yes, now some lenders give their customers the opportunity to make a monthly payment a few days or weeks later without having to inform the credit bureaus about this. In some cases, you may be able to make a payment even after a month, but not later. It is worth remembering that in the near future you will have to pay the next monthly payment. Therefore, do not abuse this opportunity and try to make a payment as quickly as possible. If you exceed at least once the period that you are given to make a payment, then this will immediately damage your creditworthiness and lower the rating.

One-late-payment-will-not-lower-your-rating

Checking your credit reduces your credit score

You have probably heard about hard credit checks and how they badly affect your credit score. The truth is that this is right only when such tough checks are carried out by lenders, when you are trying to get a loan. This effect is especially negative when for a short period several creditors carried out a hard check of your credit report. In this case, your credit score may decrease by 1/10 of the total score. As for your personal checks of your credit rating, the decrease in the score in this case applies to common credit myths, which have no basis. On the contrary, it is recommended to regularly monitor your credit in order to track changes and to be able to take timely necessary measures to improve it. You have every right to check the status of your credit as often as you see fit, without negatively affecting it, unlike what common credit myths tells. The only thing you should keep in mind is that at each of the American credit bureaus you can request your credit report for free every year. On the other hand, now many companies offer free information on the status of your credit every month or even more often and all this without bad consequences for it.

A new credit card harms your account

This statement can only be partially true, since this reducing is temporary. It largely depends on how you will use the newly opened credit card in the future. The best option for your rating is to use a new credit card with a lower interest to transfer the balance from your other cards, where the APR is higher. Many lenders offer this service to new customers on attractive initial terms. At the entrance you can even get a zero interest rate for several months, while the promotional period lasts. So you get a great opportunity to pay off your old debt during the grace period at 0% and thereby greatly improve the condition of the credit. A small temporary decrease in the score will result in a significant increase further. Of course, at the same time, you must responsibly use your new credit card, paying for her purchases and timely making all that you owe. At the same time, remember that several new cards will immediately lower the status of the credit, so you should not get carried away with opening new accounts in a short time. It is better to gradually pay off your debts, carefully controlling your expenses. One of the best ways you can use your new credit card to improve your credit rating is the balance transfer. Getting a credit card with a lower interest rate and then transferring your balance from another card will help you pay off your debt faster, ultimately raising your rating.

For a good credit you need to have a very high income

One of common credit myths tells us that you must have a high income so that you can have good credit. This is a fallacy that many take for granted and therefore do not take the necessary steps to gradually increase their credit rating. You should not postpone the improvement of your credit status until later, when the best times may come. You can begin to move in this direction now and thereby bring closer the best times. Start managing your personal finances and distributing your income more efficiently. So you will find more abilities to pay off your debts, as well as be able to pay a long time in a timely manner. Not your income level but stable timely payments affect your credit score best. Of course, if you have a lot of money, then it will be easier for you to find opportunities for paying off debts, but this says almost nothing about how responsible as a borrower you are. You may be a millionaire, but not pay your bills on time and your credit status will be bad, regardless of what common credit myths tells us about.

Credit rating depends on the amount of your debt.

Your credit status is undoubtedly affected by the amount of your total debt, but not independently and not directly. The amount of debt determines your credit in relation to other indicators. In credit cards, we call this a balance, which is determined by how much you use the credit limit opened to you. Your use of a credit tells lenders how much you need money, which means risks you carry for them. The threshold for lowering your credit score is 30%. This means that if a credit line of $ 10,000 is opened for you, then when using more than $ 3,000 of credit funds, your score will begin to decrease.

For a high credit rating, there must be a balance

Many credit card holders believe that in order to maintain their credit score at a good level, they must have a balance on their credit cards. This one of common credit myths is periodically supported by some companies, saying that it will be regarded as an active and skillful use of credit and then will increase credit score. In a way, they are right when it comes to one credit card, but this does not mean that there must be a balance on all your cards. In fact, less commitment on you means less risk to lenders. The lower your ratio of total open credit to total balance, the more reliable you are for creditors. You do not need to close all credit cards, since still the ability to manage different types of credit positively characterizes you as a borrower, but one or two cards with a balance will be quite enough. It’s better to leave in use those cards that you have the longest, the most expensive for you and have a good history of use without late payments.

Credit-rating-depends-on-the-amount-of-your-debt

Does your debt-to-income ratio affect your credit status?

Unfortunately, not all users of loans and credit cards understand financial glossary well. Often this causes confusion in terms and from there come common credit myths and a misunderstanding of what affects the credit score. The rating of any borrower is affected by the ratio of debt to credit, and not debt to income. Your income will be deliberated directly by the lenders during the consideration of your application for a new loan to determine the amount of the monthly payment that you could afford to pay. At the same time, credit bureaus calculate the credit score, each according to its own method with slight differences, and your income is not taken into account. They determine the level of risk for creditors, which depends on your responsibility and solvency.

Need to close old credit cards

common credit myths also tells us that old and unused credit cards need to be closed so that your rating does not decrease. This is a misconception, as the length of your credit history significantly affects your borrower rating. Closing an old credit card, you interrupt your history and your score decreases. Of course, also reckon how much the cost of a particular credit card costs you, is there an annual fee or a high interest rate. Perhaps in some cases it makes sense to sacrifice a few points if your old card costs you too much. Choose the oldest of the inexpensive to maintain and the cheapest of the old credit cards to leave it open.

Credit is combined upon marriage

Your credit will be changed in conjunction with your spouse's credit only from the moment you start making joint purchases on credit, but this does not apply to the credit rating that you had before marriage. The view that when you marry you can combine your old credit obligations with your spouse’s credit is no more than one of common credit myths. Some expect this to improve their low credit rating by combining it with a spouse's credit. Your old debt will remain your old debt. Only joint loans in the future will affect your credit rating together.

Paying debts to collection companies will improve your credit

Paying past due debt that has been transferred to collectors will not improve your damaged credit rating due to unpaid debts. This one from common credit myths has no basis. But this does not mean that these debts do not need to be paid at all, because you will be subject to legal and psychological pressure from companies collecting debts. However, you should not rely on the fact that when paying a debt, information about non-payment will disappear from your credit history and your credit score will immediately increases.

Do not be guided by common credit myths that mislead you

Here we looked at some of the most common credit myths that have become most widespread, which cause erroneous financial decisions. There are other loans misconceptions that should be avoided when making decisions. You can use our financial blog to learn from it about loans and managing your personal finances. All that is necessary for a true understanding of how loans work. Also find out how you can improve your credit status. Read the full article

#commoncreditmyths #creditrating #LowCreditRating #PaydayLoans

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samuelfields · 6 years ago

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Is It Worth Having A High Deductible Health Plan To Be Eligible For A Health Savings Account?

Everywhere I go, I hear the benefits of the Health Savings Account, or HSA for short. People say it’s one of the best ways to save for retirement and pay for inevitable medical expenses given the tax benefits.

Not wanting to miss out on an obvious financial benefit, I did what most lazy husbands do and asked my wife about it. She is, after all, the CFO and COO of our online business. As such, she is also in charge of our healthcare plan.

She told me we aren’t eligible for Health Savings Accounts because we don’t have a High Deductible Health Plan. Hmrph. Well that doesn’t seem right. Based on what I heard, everybody is eligible, otherwise, that would be discrimination!

But then I realized the government consistently discriminates against some of us all the time. For example, if you make over a certain income threshold, you cannot contribute to a traditional IRA or Roth IRA. What’s up with that? We should all be allowed to save for our financial future.

In the past, if you made over $75,000 as a single filer or $110,000 as a joint filer, you couldn’t receive a child tax credit. Children are already expensive and stressful enough. Why was the government incentivizing lower-income households to have more children and disincentivizing higher income households to have fewer children?

Maybe they were looking to increase the divorce rate due to powerful lobbyists in the legal community.

Luckily, the child tax credit income threshold is now a more reasonable and logical $200,000 for single filers and $400,000 for joint filers. Why the government thought 1+1=1.5 in the past made no sense. Same thing with the marriage penalty tax that has since been abolished with the passage of the Tax Cut And Jobs Act.

Slowly, we are heading towards equal treatment of all American citizens. But not yet when it comes to healthcare.

Things To Know About The HSA Plan

People who say the Health Savings Plan is the best thing ever and is available to everyone really need to stop being so insensitive. There are real people out there who do not qualify, whether by choice or by circumstance.

In order to qualify for an HSA, you must be covered by a High Deductible Health Plan (HDHP). An HDHP generally costs less than what traditional healthcare coverage costs, so the money that you save on insurance, can therefore, be put into the Health Savings Account.

To qualify to contribute to an HSA in 2019, you must have a health insurance policy with a deductible of at least $1,350 for single coverage or $2,700 for family coverage. Some feel uncomfortable paying such a high deductible each year.

If you happen to have a rockstar Gold or Platinum healthcare plan with a lower deductible or no deductible, you are not eligible.

If you are eligible you can contribute up to $3,500 pre-tax to an HSA if you have single coverage or up to $7,000 pre-tax for family coverage in 2019. If you’re 55 or older anytime in 2019, you’ll continue to be able to contribute an extra $1,000.

HSA funds can pay for any “qualified medical expense,” even if the expense is not covered by your HDHP. If the money from the HSA is used for qualified medical expenses, including dental and vision, then the money spent is tax-free.

If the money is used for other than qualified medical expenses, the expenditure will be taxed and, for individuals who are not disabled or over age 65, subject to a 10% tax penalty.

The unused balance in a Health Savings Account automatically rolls over year after year. You won’t lose your money if you don’t spend it within the year. Further, the money in your HSA can be invested and earn compound gains tax-free.

When Is It Worth Getting A High Deductible Health Plan?

Healthcare might be the biggest ripoff in America. Most people get little-to-no medical usage while still having to pay on average $20,000 a year in healthcare premiums.

The reason why there isn’t a bigger uproar is because most of an employee’s healthcare costs are subsidized by the employer. The same goes for paying higher taxes.

Once you become a business owner, you feel the pain of paying all the various taxes much more acutely. Therefore, you tend to stop voting incessantly to raise more taxes to pay for more wasteful government spending.

The only reasons I can think of for people to get a High Deductible Health Plan are:

You rarely get sick or injured. Folks in their 20s and 30s may be prime targets.

You can afford to pay your deductible without having to go into debt.

You’re willing to pay your deductible to get medical treatment.

You have enough money to fund an HSA each month.

You don’t have little ones or sick dependents.

You want another financial way to support your retirement.

The Out Of Pocket Maximum is affordable.

The conundrum is, if you are getting an HDHP because you can’t comfortably afford higher monthly premiums, how is it then possible for you to make significant contributions to an HSA each month?

Such logic seems contradictory.

Who Should Get A Low Or No-Deductible Health Plan

In general, low-deductible or no-deductible plans have higher premiums. Despite the higher premiums, however, it makes healthcare expenses easier to estimate.

A low- or no-deductible plan might be right for you if:

You are pregnant, planning to become pregnant, or have small children.

You have a chronic condition or need to see a doctor frequently.

You’re considering or anticipating a big surgery.

You take several expensive prescription medications.

You or your children like to partake in high-risk activities such as mountain climbing, scuba diving, sky diving, skiing/snowboarding, and the like.

You’re not a good budgeter and like more certainty.

You put a premium on peace of mind and want to minimize the stress of dealing with health insurance providers who may refuse payments.

Before our son was born we decided to get a no-deductible platinum healthcare plan. The cost of giving birth sometimes runs in the tens of thousands of dollars. Further, we were unsure about our baby’s health. You really don’t know how healthy your little one will be until s/he is around 10 years old or so.

With a no-deductible healthcare plan, we made our healthcare costs predictable so we could focus our time being first-time parents. Focus is one of the main reasons why we sold our SF rental house right after he was born as well.

Health Insurance Horror Stories

Some insurance companies always seem to find a way not to pay out a claim, despite years of receiving premiums. I’ve heard so many stories about patients getting screwed by the insurance company or their health provider because of a low-quality health plan or some type of mix up.

Here are some headlines from Vox, which has done a great job uncovering individual health insurance horror stories here in SF.

A $20,243 Bike Crash: Zuckerberg Hospital’s Aggressive Tactics Leave Patients With Big Bills

Hit by a city bus — and hit with a $27,660 city hospital bill

She tried to go to an in-network emergency room. She ended up with a $28,254 bill anyway.

As new parents, we don’t have time to deal with this BS, nor did we want to risk the potential extra stress of dealing with difficult insurance providers or health providers.

I have friends who are doctors and they tell me straight up the worst part about their job is dealing with insurance companies followed by increasing bureaucracy.

A couple of doctors have admitted to me that if their patient has a “more difficult” health insurance plan, they are more reluctant to return calls or e-mails or fit them into their schedules.

Doctors, too, are economically motivated, particularly given the amount of time and money required to become a doctor. If they can join a healthcare network whose patients have higher quality health plans, they will.

It’s not hard to believe more money attracts better doctors.

And yes, one would hope that just because one has a high deductible doesn’t mean once the deductible is reached, the quality of care is any less. But some people just aren’t willing to take that chance.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Income Threshold Consideration For A Health Plan

In terms of deciding what type of healthcare plan to get based on income, an easy rule of thumb is to go with the high deductible health plan if you earn less than $100,000 a year and are relatively healthy.

Once you earn over $100,000 per person in your household, you might as well pay up for the highest quality health plan possible. Again, having young children is a big X factor in terms of how much healthcare your family will need.

You may initially feel like you’re missing out on the HSA party, but you won’t feel bad for long because your income is high enough to where you can comfortably max out your 401(k) and still save additional after-tax money for retirement.

Further, you might receive more healthcare benefits that could save you money in the future. You will be logically more inclined to proactively seek medical treatment since your costs are more fixed.

The next time you hear someone say an HSA is the best retirement savings vehicle on Earth, you now know what they’re sacrificing. There is no free lunch.

The good thing about a HDHP or a low or no-deductible health plan is that so long as we have one, we are insured from disaster. Make sure you know what your maximum out of pocket expense is for each plan. Once you’ve run some calculations with various scenarios, choose the plan that’s right for you.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Why I Never Contributed To A Roth IRA But Why You Probably Should

The Health Affordability Ratio For Financial Freedom

The post Is It Worth Having A High Deductible Health Plan To Be Eligible For A Health Savings Account? appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/is-it-worth-having-a-high-deductible-health-plan-to-be-eligible-for-a-health-savings-account/ via http://www.rssmix.com/

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ronaldmrashid · 6 years ago

Text

Is It Worth Having A High Deductible Health Plan To Be Eligible For A Health Savings Account?

Maybe they were looking to increase the divorce rate due to powerful lobbyists in the legal community.

Things To Know About The HSA Plan

If you happen to have a rockstar Gold or Platinum healthcare plan with a lower deductible or no deductible, you are not eligible.

If the money is used for other than qualified medical expenses, the expenditure will be taxed and, for individuals who are not disabled or over age 65, subject to a 10% tax penalty.

When Is It Worth Getting A High Deductible Health Plan?

Healthcare might be the biggest ripoff in America. Most people get little-to-no medical usage while still having to pay on average $20,000 a year in healthcare premiums.

The reason why there isn’t a bigger uproar is because most of an employee’s healthcare costs are subsidized by the employer. The same goes for paying higher taxes.

The only reasons I can think of for people to get a High Deductible Health Plan are:

You’re healthy and rarely get sick or injured. Folks in their 20s and 30s may be prime targets.

You can afford to pay your deductible without having to go into debt.

You have enough money to fund an HSA each month.

You don’t have little ones or sick dependents.

You want another financial way to support your retirement.

The conundrum is, if you are getting an HDHP because you can’t comfortably afford higher monthly premiums, how is it then possible for you to make significant contributions to an HSA each month?

Such logic seems contradictory.

Who Should Get A Low Or No-Deductible Health Plan

In general, low-deductible or no-deductible plans have higher premiums. Despite the higher premiums, however, it makes healthcare expenses easier to estimate.

A low- or no-deductible plan might be right for you if:

You are pregnant, planning to become pregnant, or have small children.

You have a chronic condition or need to see a doctor frequently.

You’re considering or anticipating a big surgery.

You take several expensive prescription medications.

You or your children like to partake in high-risk activities such as mountain climbing, scuba diving, sky diving, skiing/snowboarding, and the like.

Before our son was born we decided to get a no-deductible Platinum healthcare plan. The cost of giving birth sometimes runs in the tens of thousands of dollars. Further, we were unsure about our baby’s health. You really don’t know how healthy your little one will be until s/he is around 10 years old or so.

Health Insurance Horror Stories

Here are some headlines from Vox, which has done a great job uncovering individual health insurance horror stories here in SF.

A $20,243 Bike Crash: Zuckerberg Hospital’s Aggressive Tactics Leave Patients With Big Bills

Hit by a city bus — and hit with a $27,660 city hospital bill

She tried to go to an in-network emergency room. She ended up with a $28,254 bill anyway.

As new parents, we don’t have time to deal with this BS, nor did we want to risk the potential extra stress of dealing with difficult insurance providers or health providers.

I have friends who are doctors and they tell me straight up the worst part about their job is dealing with insurance companies.

A couple of doctors have admitted to me that if their patient has a “more difficult” health insurance plan, they are more reluctant to return calls or e-mails or fit them into their schedules.

Doctors, too, are economically motivated, particularly given the amount of education required to become a doctor. If they can join a healthcare network whose patients have higher quality health plans, they will.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Income Threshold Consideration For A Health Plan

In terms of deciding what type of healthcare plan to get based on income, I think a good rule of thumb is to go with the high deductible health plan if you earn less than $100,000 a year and are relatively healthy.

Once you earn over $100,000 a year or $200,000 as a couple, you might as well pay up for the highest quality health plan possible. Again, having young children is a big X factor in terms of how much healthcare your family will need.

Further, you might receive more healthcare benefits because you will be more inclined to proactively seek medical treatment since your costs are more fixed.

The next time you hear someone say an HSA is the best retirement savings vehicle on Earth, you now know what they’re sacrificing. When it comes to healthcare, it’s not worth messing around if you can afford the best. It’s not just the better care you might receive, there’s also less red tape.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Why I Never Contributed To A Roth IRA But Why You Probably Should

The Health Affordability Ratio For Financial Freedom

The post Is It Worth Having A High Deductible Health Plan To Be Eligible For A Health Savings Account? appeared first on Financial Samurai.

from https://www.financialsamurai.com/is-it-worth-having-a-high-deductible-health-plan-to-be-eligible-for-a-health-savings-account/

#Financial Samurai

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unixcommerce · 4 years ago

Text

Best Affiliate Programs – And the Highest Paying

As a website owner, writer, blogger or social media influencer you work hard creating quality content. Chances are you dream of finding the best ways to make money from your efforts — and that includes the best affiliate programs.

Savvy content creators look for the highest earning opportunities that are relevant to their audience. That way they can earn cash at the same time as they serve their readers, by highlighting products and services they’ve taken the time to investigate and carefully select.

The great news is that even people with small social followings or the owners of small blogs can make money from their content. With affiliate marketing you can literally earn while you sleep — waking up to see a nice juicy commission in your dashboard. Wouldn’t that be wonderful?

The only problem is, there are thousands of affiliate earning opportunities. How do you find the top affiliate programs? That’s where this article can be your guide. We help you focus on choosing the best programs and networks for your needs.

What is an Affiliate Program?

An affiliate program is a program set up by a merchant to pay other parties for each new lead or sale they bring in. The party bringing in the lead or sale is usually a website publisher, content creator or blogger, called an “affiliate.” From the merchant’s standpoint, the model is attractive because the merchant only pays if a defined action occurs leading to increased sales.

Marketing affiliates like this business model because they make money by serving their readers with great suggestions for products and services. And they don’t have to create their own products to sell — they simply insert affiliate links in their content. Creators can focus on content and maintaining good relations with their audience — while the merchant handles sales, invoicing, delivery and customer support process.

Finding the Best Affiliate Programs

With so many programs to choose from, it’s daunting to select a handful to promote. So we’ve curated a list of what we consider the best affiliate programs for entrepreneurs, small business owners, creators and bloggers. We further broke down the list by popular categories that may be attractive to you.

Not every category will be relevant to your audience. Focus on finding the best programs covering offerings your audience cares about. Likewise, you should have a passion for the offerings you are going to promote. If you are not interested in them, then skip over them — because your lack of interest will be obvious.

Last but certainly not least, choose from among the affiliate programs that will pay you more. After all, you’re going to work hard on your content to serve your audience. So you should be paid well.

Best Recurring Commission Affiliate Program

Recurring commission affiliate programs are where you earn repeat commissions from the same sale, over time. For example, let’s say a reader uses your affiliate ID to sign up for a monthly software service at $20.00 per month. You earn a 30% commission initially — or $6.00 (20 x .30 = 6). But in this case, you would also earn 30% or $6.00 every month thereafter as a recurring commission, as long as the reader continues to use that service. In a year, you would make $72.00.

That’s just from one affiliate sale. Imagine over time that you make 100 sales. That would bring you up to $7,200 a year (72 x 100 = 7,200). See the potential? Here are the best recurring revenue affiliate programs:

SEMRush

SEMush’s affiliate program Berush, offers up to 40% in lifetime commission from SEMRUSH subscription sales. This follows a revenue-sharing model where the affiliate promotes SEMrush and gets a commission on every sale made in return. The process takes three simple steps: join BeRush; advertise and start earning commissions. BeRush comes with pre-designed banners, landing pages, links to SEMrush with affiliate’s unique reference ID and SEMrush widgets. Commissions are paid twice a month on the 10th and 25th of each month.

LeadPages

The Leadpages Affiliate Partner Program offers a suite of lead generation tools. With this affiliate program you get 30% monthly commissions for the lifetime of the customer. It also provides a 50% recurring commission on all sales generated, for as long as the referrals remain customers. This also expands to renewals and upgrades of their Leadpages plan. Leadpages comes with free hosting on a Leadpages domain, more than 200 mobile responsive landing pages templates, text-to-Opt-in comes/ SMS campaigns and much more.

AWeber

Aweber’s affiliate program is an email opt-in marketing tool. Its templates simplify the process for creating visually attractive email marketing campaigns and the reporting dashboard provides insights on visitors and sales statistics. It comes with newsletters emailing, auto responding, and RSS-to-email converting features as well. This affiliate program give a commission rate of 30% for recurring referral payments.

Ezoic

Wwith Ezoic, an affiliate can earn 3% of a publisher’s total revenue on all traffic they send through Ezoic for the lifetime they use the Ezoic platform. Referrers also receive direct help from Ezoic to support their introduction to new website owners and publishers. The minimum threshold for payment however is $20 and you must have at least one conversion. Conversion takes place when a publisher starts generating revenue through Ezoic’s platform.

GetResponse

GetResponse affiliate program provides marketing automation, landing pages, opt-in forms, webinars, customer relationship management and more. GetResponse offers two programs. An affiliate bounty program offering $100 for every sale referred and affiliate recurring program which pays 33% for every sale referred. The programs also offer free promotional materials including banners, videos and sales copy.

Pabbly

Pabbly offers a commission rate of 30% for recurring sales. Pabbly subscription plans start at $19.00 a month and there is a free version as well. The program gives you two functional dashboards to manage both traders and developers’ campaigns. The merchant dashboard offers affiliate settings, commissions, and click results. While the affiliate dashboard provides information related to subscription, invoice, transaction, profile and affiliate information.

Kajabi

Kajabi affiliate partners can earn a 30% lifetime commission for any new member they sign up that stays active past two years. This comes with special rewards package as you bring in more revenues. Kajabi’s partner dashboard allows users to track your rewards, trailing referrals, earnings and total campaigns.

Unbounce

Unbounce’s Affiliate program provides the opportunity to earn 20% of the recurring revenue for every customer they refer to Unbounce. This landing page platform helps users design converting landing pages for SaaS businesses, e-commerce sites, and agencies. Furthermore, site visitors or social media followers get 20% off their first three months using Unbounce. All these come with support tools that include a Partner coach, a dashboard to track progress, and training and promotional materials.

Teachable

Teachable is an online course platform that allows bloggers and website owners to build their classes to sell to their students. They offer a 30% commission for every signup done within 90 days. Its platform program gives you access to A/B tested funnels containing information about Teachable’s target audience.

ConvertKit

ConvertKit comes with a visual automation builder and can create triggers based on website actions and actions inside of emails. They offer a 30% commission per month. The company does not cut-off the revenue of an affiliate as long as they are active and paying.

Kinsta

Kinsta’s affiliate program starts by paying an initial commission, followed by a recurring 10% monthly payment. They can earn up to $500 initially, depending on the type of plan the referral has purchased. Plans include Starter ($30); Pro ($100), Business ($150) and Enterprise ($500). Support also comes by way of a custom-made affiliate dashboard that allows real-time tracking of subscriptions, analytics and payments.

Best Loan Affiliate Marketing Programs

These are programs that help you become an affiliate marketer for a lending platform and start generating a secondary stream of income. The following is a brief list of the top loan programs in the market that you could consider joining.

BlueVine

BlueVine is an online lender that provides multiple financing products for small-business owners. BlueVine offers invoice factoring, where the company purchases your unpaid invoices at a discount. It allows partners to refer their unqualified or declined deal-flow to BlueVine for invoice financing up to $5 million and lines of credit up to $250,000. For referrals, it provides support and residual commissions.

Credibly Business Loans

Credibly’s Referral Partners send leads to Credibly and receive a commission on the deals that fund. The sales process is handled internally by Credibly’s Customer Success Team and provides reports on which leads have been successfully funded. Businesses are generally funded in fewer than 48 hours from approval. Credibly works with referral partners in various industries and has incentives ranging from straight commissions to bonus miles and others.

SmartBiz

SmartBiz’s marketing partner program is ideal for alternative lenders, financial consultants, accounting firms and small business aggregators. Its dedicated online portal helps an affiliate refer loans as well as track the status of the sale.

Kabbage

As a Kabbage affiliate, you can get $250 for every referred customer who qualifies for the loan, and they get an additional $50 when the referral gets approved. Each small business referred to Kabbage will also receive one $50 gift card once they’re approved by Kabbage. There is no limit to the number of referrals one can make or the amount they can receive. Kabbage’s program is supported by APIs to put the power of growth directly into the hands of small business owners

OnDeck

OnDeck is an online small business lender and offers two types of business loans: short term loans and revolving lines of credit. Payouts are set at 2% for advertising performance campaigns to your audience on your blog, website, newsletter, search landing page.

Fundbox

Fundbox helps each affiliate to integrate its solutions into their platform to send over referrals to them. Affiliate partners can have their customers join Fundbox’s B2B credit and payments network by either integrating it into your workflow or through a referral link. Its partner portal dashboard provides easy status updates on your referrals, commission structure and renewals.

Funding Circle

FundingCircle is a business that allows anybody to lend small amounts of money to businesses in return for interest. It offers partnership opportunities through the landing page where you leverage FundingCircle’s brand API integration.

Fora Financial

As a Fora Financial affiliate partner, you can earn money online through commissions on all new deals and renewals. Additionally, Fora Financial’s account management team will be part of your support team.

Fundera

Fundera is a business funding matchmaker who will match businesses with funders. Any time you refer a small business using their unique affiliate link they get $1,000. However, you have to sign up for the referral program.

LendingClub

LendingClub offers each affiliate the opportunity to drive traffic to LendingClub and get commissions. It will provide commissions from referrals for its loans, investment accounts and auto refinance loans through banners and links.

Best Gaming Affiliate Marketing Programs

For content creators who stream or review games on their site or through YouTube, the following gaming affiliate programs are the best:

Alienware

Alienware is a subsidiary of Dell. The PC gaming company provides sales commissions ranging from 1-6%. The affiliate program provides banners as well as a 90-day cookies. It also helps you earn $71.86 through Earnings Per Click (EPC).

HP is offering influencers to partner with who have audiences that are passionate about gaming, imaging, entertainment, or business technology. Through this program each time a visitor from your site clicks through to the HP online Store and makes a qualifying purchase, you earn a sales commission. Orders are tracked and sales credited to your site through the use of cookie technology.

Microsoft

Microsoft 365 for business Affiliate Program allows an affiliate to start earning money online through commissions on Microsoft 365 referrals. There are no limits on the amount of commission you can earn and comes with a referral window of 30 days.

Playstation

PlayStation Store offers affiliate marketing to earn commissions by referring new customers to PlayStation Store. Through online marketing, an affiliate can earn a commission rate of 5% on all sales generated by their links.

Best Buy

Best Buy offers the opportunity to start earning money by directing visitors to BestBuy.com. Every time your visitors click on Best Buy’s content and make a qualifying purchase, you earn a commission. The program includes all your necessary online marketing offerings like banners, text links, and copy aimed to improve conversion rates.

Gamestop

GameStop is a retailer providing video games, consoles, digital goods, and electronics. Its affiliate program pays a commission rate of 5% on all goods with a 1% commission on select goods. For gaming fanatics, this offers opportunities to earn a commission for click-throughs and purchases on GameStop.

Gamefly

each time a visitor signs up for a free trial and becomes a paying member on Gamefly you can earn commissions. On average commissions are $15 with a $20 commission for those able to refer 500+ sign ups a month. A 5% commission rate is earned for new game consoles as well as further improving affiliate earnings.

Newegg

Newegg helps you earn money when your website or blog refers a customer to them. In addition, when your audience makes a purchase, you earn a commission. Support comes by way of text and banner links, support team, product catalog, RSS feeds and more.

Tiger Direct

Tiger Direct is an online retailer dealing in electronics. It offers up to a 3% commission rate for sales of its products. You can add links to your site and access reports online so you can see how well you’re doing as an affiliate.

Best Web Hosting Affiliate Marketing Programs

Web hosting affiliate programs are one of the most popular categories. Is your audience interested in places to host a blog or website? Do you cater to do-it-yourselfers or developers who need to find hosting? Then web hosting affiliates are worth exploring as they one of the highest commissions.

Bluehost

Bluehost’s affiliate program includes banner ads on your site to drive interested readers to Bluehost’s products. This comes with easy-to-use instructions and widgets, by simply embedding an HTML code you can add banners to your website. Plans start at $2.95 per month with one-time payouts starting at $65 for each qualified web hosting plan purchase. Considered among the highest paying affiliate programs, payments are processed between 45 and 60 days after the sales are made.

Hostgator

Using HostGator’s new signup custom coupon codes and tracking links you can start getting commissions per signup. Hostgator is also another affiliate program with one of the highest payouts. It offers up to $100 per signup, a flexible commission structure, co-branded landing pages and others offers. Payouts are tiered starting from $65 and can go up to $125 for more than 21 sign-ups.

GreenGeeks

GreekGeeks is a web hosting service that has support for WordPress websites, offering reseller and VPS hosting for your websites or applications. Through its partner program, it offers a reward of $50 per sale, placing it among the highest paying affiliate programs. It has a cookie 30 days and the platform will immediately track the sale back to you and generate the equivalent commission.

Flywheel

Through Flywheel’s referral program you can earn 300% of the first month’s payment on any plan up to $500 for every referral. By using Flywheel’s custom referral links to promote Flywheel on your blog, your social media channels or sites get paid per referral. However, if your customers use a promotional code or coupon, payouts will be adjusted accordingly.

Namecheap

By placing a Namecheap affiliate link on your site you can start generating commissions. Namecheap will provide you banners and text links for your referral offers. You can earn revenues for every new customer along with real-time reporting on their earnings.

DreamHost

Dreamhost offers a $120 commission per signup for customers looking for a web hosting service. Referrals can reach up to $200. It offers a variety of ready-to-use banners and tracks URLS to ensure that every person that signs up through your affiliate link is tracked. Its dashboard also helps you track of the high commissions the company pays out.

Best Website Tool Affiliate Marketing Programs

These are affiliate programs that allow you to join programs under categories like web hosting, website builders, VPNs and technology.

Fiverr

Fiverr is great if you are into promotion. It has over 250 categories to promote and include logo design, writing, programming, WordPress and business services. Its Cost Per Action goes of up to $150 and this comes with no referral limit along with lifetime attribution. Another benefit of the Fiverr program is its user-friendly dashboard, as well as the portfolio of creative resources that you can use to promote Fiverr.

Wix

Wix offers unlimited payouts with minimum effort. This site builder has over 100 million users and offers $100 per premium referral. Wix’s support includes links, banners and multi-language landing pages. However, there is a minimum sales target of $ 300 per month.

Constant Contact

Constant Contact offers unlimited commissions through its email marketing platforms. Partners earn $5 for each referral that signs up to free trial and get an additional $105 when referrals pay for a full account.

Squarespace

Affiliate partners can earn payouts for every website or commerce subscription that you drive from a first-time Squarespace customer. They are also eligible to receive commissions as long as their audience is converting.

WordPress.com

WordPress affiliate programs allow partners to promote WordPress.com, Jetpack, and WooCommerce to earn referral rewards. The program was created for WordPress professionals including site and plugin developers, designers, theme creators, and others who are part of the WordPress ecosystem and its associated products. Because the program is only open to a select number of partners, specifically those who can deliver demonstrated new traffic and sign-ups to WordPress.com, Jetpack, and WooCommerce. Partners who have less than $100 in accrued rewards on a consistent basis will be removed from the program.

GoDaddy

GoDaddy offers a 40% commission in addition visitors who click through to GoDaddy from ads are considered referrals as well. If they make a qualified purchase, you can automatically earn a commission. Its cookies last for 45 days and average commissions range from 10-15% per sale. GoDaddy offers over 1,000 affiliate links including banners.

Best eCommerce Affiliate Marketing Programs

Ecommerce platforms have become very popular, and some offer excellent affiliate programs. With many working towards working with affiliates. Here are some examples:

BigCommerce

BigCommerce lets you earn 200% of the customer’s first monthly payment or $1,500 per enterprise customer. Promotions can be made through referral links, pre-made banners, emails and other marketing tools. BigCommerce’s dashboard allows users insights on clicks, trials, sales and commissions. As an affiliate, you can also use it to track earnings, performance and also receive support from a dedicated account manager.

Shopify

The world’s most popular e-commerce website builder boasts of having over 500,000 merchants and a substantial 200% commission on paid stores. When referrals sign up for a Shopify Plus account, they get paid a flat $2,000 bounty payment. Once you are an affiliate, you can get support for your own Shopify store, as well as free Shopify content to use for promotion.

3dcart

3dcart is another eCommerce platform that hosts its own program and offers a 300% commission for paid conversions. It focuses on SEO and provides tools to build, promote, and grow the online store of an affiliate. The affiliate program runs on both the Commission Junction and ShareASale networks, and both offer the same commission and 120-days cookie life.

Volusion

Volusion’s e-commerce solution helps small businesses to create, manage, and expand their online stores. It provides customers with support for domain purchase, web design, cart integration, SEO, and security. It offers commission for clients that you refer to Volusion with back end marketing support. With it, you can earn a 200% one-time commission payment of your client’s monthly hosting plan. visitors who arrive at Volusion through your referral link are yours.

Weebly

Weebly is a website builder with over 45 million users. Its drag and drop interface make it easy to build a quick site. In its affiliate program, it offers a 30% recurring commission for as long as the customer is active, and features a 120-day cookie window. Through its third-party affiliate, ShareASale provides an affiliate with third-party tracking, real-time reporting, and monthly commission checks.

Flippa

Flippa’s makes it possible to make 15% on all and any successful site, store, app or digital property sale referrals. They also have the option to further earn another 15% on all and any site, store, app or digital property listing referrals.

Best Big Box Store Affiliate Programs

Well known big retail websites can be very lucrative because of the value of each sale. Think big screen TVs, electronics, home improvement products and more. One of the biggest challenges with the companies in this category is going to through the product list. We’ve combined them all here under the banner “big box stores.”

Amazon

Through its affiliate program, Amazon provides commissions between 1% and 10%, depending on the category of the product purchased. The most lucrative items to promote are clothes and luxury beauty products, both of which can earn a 10% cut on the price. If visitors end up on Amazon through your link and buys something other than what your content links you get a commission on the shopper’s entire cart. To be a member of Amazon Associates, you must have an active site, blog, app, or YouTube channel

Bloggers, publishers and creators with a qualifying site or mobile app can participate in the Amazon Associates Program. Amazon also has a separate influencer program.

Walmart

Walmart’s Affiliate Program allows participants to earn commission by placing banner ads or text links on their site and referring customers. They can earn money each time a visitor follows a link and then completes a qualifying purchase. Commissions are between 1-4% of the item’s sale amount or $10.00 per item. One of the biggest challenges with the likes of Walmart and the others in this category is going to through the product list.

eBay

Enjoying over one billion listings from a wide range of product categories, eBay’s affiliate program offers high conversion rates and a diverse selection of products.

Through its partner network, it pays out commissions of 50% to 70% of auction fees. This means that for each item sold, eBay gets a cut by charging the seller an auction fee. An affiliate can then earn a percentage of the revenue eBay earns from that purchase, based on the product category. Items such as parts, accessories and fashion often generate good commissions.

Target

Target’s affiliate program allows users to place links via banners, widgets, text links and other tools on websites. In return, visitors are tracked within a 7-day cookie window until they place orders. There are no charges to join the Target affiliate program. The program has four categories for earning commission for affiliates. These include apparel & accessories; home & outdoor living; baby gear & furniture; and health & Beauty. These commissions range from 1% to 8%, depending on the category the sales affiliates

Best Buy

Advertise Best Buy products on your social media, your blog or site, and get a commission from every product sold via your link. Best Buy offers free tools, content, and weekly banner ads to add to your site.

Home Depot

Affiliates who join Home Depot’s affiliate program can start earning revenues on every qualified sale they refer to homedepot.com. They will receive support by way of text links, display banners, project and buyer guides. Commissions include 1% on products, mobile, and buy online pick up in-store orders, 1% on appliances, and 8% on select home decor merchandise.

Lowes

Lowe’s affiliate program is managed by Commission Junction (CJ). To be eligible as an affiliate you have to have a website and be focused on home improvement, construction, design and similar areas. Lowe’s pays 2% in commissions and cookies last for one day.

Costco

You can earn commissions as an affiliate marketer by referring new customers to Costco through Skimlinks and Commission Junky.

Sam’s Club

Sam’s Club offers commissions on sale when visitors click on a SamsClub.com ad from your site and complete a qualifying sale through SamsClub.com. Just like the other big box stores this is a company with a lot of products in its inventory. So there is a great opportunity to earn commissions.

Best Office Supply Affiliate Marketing Programs

Office supply chains in the digital and physical world are highly competitive. One of the ways they stay on top is by using affiliates and their digital presence. Here are the top office supply affiliate programs.

Office Depot

Through the Office Depot affiliate program, you can earn income by placing text links, product links, and graphic banners from OfficeDepot.com directly to your site. Each transaction made through these links from your site earns you a percentage from the transaction of the item. For example, office accessories such as binders commissions are set at 6% while a 4% commission is available for paper, inkjet cartridges and toners.

Staples

With the Staples affiliate program you have a choice thousands of office supplies. By referring your visitors to Staples and having them purchase items you can receive commissions between 1-5% in sales commission.

Quill

Quill’s affiliate program allows influencers to promote Quill products by using links to divert traffic to its site and earn a commission per sale. Through VigLink technology, it automatically monetizes terms by transforming them into revenue generating hyperlinks whose destinations are determined in real-time auctions. Quill’s solutions work across sites, apps, and social networks.

Best Furniture Affiliate Marketing Programs

These are paying affiliate programs that feature furniture retailers. They come in handy if you as an influencer or website owner have a strong following in interior design, home furnishing and related topics.

Wayfair

Wayfair affiliates program allows websites and blog owners to promote Wayfair through affiliate links and earn commission on orders from those links. Wayfair offers thousands of items across all major home categories, giving affiliates more choices and opportunities. Affiliates in return get dedicated in-house management, 7% commissions, and a 7-day referral period.

Overstock

Overstock is an online retailer offering commissions with deals on designer brands and home goods. Affiliates can earn 6% on commissions on all items, a 14-day referral period and paid media opportunities. Overstock partners with CJ affiliate for tracking, reporting, and payment for its affiliate partner program.

West Elm

West Elm is a retailer for modern furniture and home decor featuring inspiring designs and colors. Affiliate marketers can earn 3% commissions of sales through the VigiLink platform.

Houzz

Houzz is a platform for home remodeling and design. Its affiliate program provides commissions of up to 5% per sales, a 30 day cookie duration and a catalogue of 9 million products available for purchase.

Anthropologie

Anthropologie needs affiliates to showcase its ads, banners and links on its site. In return, they receive a 6% commission on net sales, real-time reporting and sales tracking, a 30 day cookie window and other perks.

Best Educational Affiliate Marketing Programs

Help your audience increase their skills and education levels — and earn at the same time. Online courses and remote learning have become tremendously popular during the CVOID-19 pandemic, and are likely to continue long beyond that. Here are course or educational affiliates.

Kajabi

As a Kajabi affiliate marketer, you can receive a 30% recurring commission for any new member you sign up and stays active past their trial period. If you sign up one member who sticks around for two years that means you made around $1,000. Kajabi’s dashboard helps you track clicks, form submissions, conversions and conversion rates.

Coursera

Through its paying affiliate marketing program, this online learning platform offers between 20-45% in commissions with a cookie life of 30 days. Coursera has over 4,000 courses on offer and makes the generous commission worth exploring.

Teachable

Udemy

Udemy is probably the skill-learning platform that has the highest number of courses. It boasts of offering 150,000 courses and having 24 million students. It offers a baseline commission of 20% with a 7-day cookie.

Skillshare

Skillshare is another learning platform that provides 29,000 online and video classes. It offers a fixed commission of $7 for every new customer you refer to it with a 30-day cookie life. Each affiliate creates a custom account through Impact Radius that tracks their referrals in real-time.

DIY.org

DIY’s influencer program allows you to earn money by promoting memberships to it creative online community. It hosts courses targeting children, and commissions are given per converted sign-up or for each trial you refer to.

Best Cosmetic and Makeup Affiliate Programs

Do you run a site or blog in the beauty niche? Are you an influencer on social media who often shares makeup tips and product ideas? These cosmetic affiliate programs are for you. These programs are really good for those who have a makeup tutorial or beauty YouTube channel. The category often includes something called influencer programs.

As an influencer, you can tap into your social media following, blog or website to review products or help promote them. By joining an influencer program you use your creativity to create compelling content with advertisers to reach out to your audiences.

Murad

Murad the skincare products for acne, anti-aging, cellulite, age spot treatments has an affiliate program. Website owners can help promote special Murad deals and special promotions. It offers commission on sales of their products starting from 6%.

Jane

Jane is a boutique marketplace featuring women’s fashion, home decor, and children’s clothing. Through the ShareSale affiliate network it provides opportunities for bloggers working in baby products, home goods, clothing and other opportunities to earn revenue. With Jane commissions from new customers are 9% and for returning customers it is set at 8%.

Yves Rocher

Yves Rocher offers a selection of beauty products, including skin and body care. It offers a 15% commission with a 30-day cookie duration.

Scentbird

Scentbird has an n affiliate program for those interested in perfumes. The company helps affiliates earn $14 per sale or subscription generated through your link. This means for just 1 subscription sign up per day affiliates could earn $420 a month. Scentbird has a 45-day cookie and provides text links, product links and banners.

BH Cosmetics

Through BH Cosmetics affiliate program each time you direct a visitor to BHCosmetics.com and they make a purchase within 60 days of their visit, you earn an 8% commission rate on that order. Additional perks include bonuses, personalized creative content for your website and much more.

MAC

Mac is a cosmetics company globally recognized as one off the leading brands in the industry. It offers affiliate marketing opportunities through Skimlinks where websites or blogs owners can send traffic to them using tracked links. Sales that are generated from that link will earn the affiliate a commission rate.

ULTA Beauty

The Ulta affiliate program simply places links, promotional banners and available products on your website to start making commissions. Additional incentive offers include free shipping, exclusive free gifts with qualifying purchases, buy one and get one free promotion, affiliate special offers and more.

Sally Beauty

Sally Beauty’s program will help you earn a commission rate on every transaction referred from your site. As one of the biggest suppliers in the industry, the company has a lot of merchanidise. As a matter of fact, it has more than 6,000 hair, skin, and nail products for customers to choose from.

Best Affiliate Networks

A merchant is the or advertiser and is often the creator of the product or services. While an affiliate network acts as an intermediary between the merchant and the affiliate marketer. They help merchants find affiliate marketers to help them make sales and conduct marketing campaigns. Their job as matchmakers is to help businesses select affiliate marketers which is a good fit or them.

For affiliate marketers they help provide you with a portfolio of companies and products that can meet your niche. Very often affiliate networks work around a specific industry thus offering specialized expertise for businesses. This includes identifying the best influencers, blogs or websites that can best leverage a product or products and services.

Impact Radius

Impact Radius manages a number of affiliate programs, and by joining their marketplace as a media partner you gain access to these advertisers. These include merchants such as Best Buy, Door Dash, Cabela’s, Kohl’s, McAfee, Walmart, Lenovo and Adidas.

Using multi-layered tracking methodologies, it claims to be able to combat cookie blocking and deliver close to 100% tracking accuracy thus yielding 17% in higher revenues on the same traffic.

Commission Junction CJ

Commission Junction (CJ) like other affiliate networks helps affiliates earn commissions by driving traffic and conversion to advertisers through websites or blogs. CJ affiliate offers a pay-per-call solution enabling the promotion of advertisers’ products or services through traceable distribution channels. CJ affiliate clients include Blue Apron, Acer, AT&T Samsung, Dell, Canon and others.

ClickBank

ClickBank is an affiliate network for merchants that affiliates can choose to promote based on the interest of their audience. It offers a product database that helps to navigate and find to promote. ClickBank is one of the biggest brands in this segment and the company has a lot of products. To date, ClickBank has paid more than $4.2 billion in commissions from the sale of its product line.

ShareASale

ShareASale is an affiliate network that houses affiliate programs for more than 4,500 merchants for affiliates to choose from. Some of their clients include Freshbooks, Reebok, Etsy, Weebly and Sally Beauty along with many other products and services to choose from. With the ShareASale dashboard you can sign up to all these merchants, generate links, view your statistics and earn commissions. However, you are required to individually apply to the merchants and get approved by each.

Commission Factory

Commission Factory works with affiliates that have ave a website, blog, mobile app or a social media presence. Affiliates can take advantage of the tools it offers to easily generate revenue through links, banners, click-less tracking, coupon codes and its API. It represents over 600 small and large brands and many items to choose from.

Rakuten

Rakuten is an online store stocking everything from high-end electronics to clothing. Here affiliates can apply to each individual brand they want to promote. The consumer insights it provides measures decisions based on impressions, clicks and other metrics.

Sovrn Commerce (Formerly VigLink)

Sovern’s affiliate program allows food bloggers to draw traffic to its clients’ sites. It works on Cost-Per-Thousand system where an affiliate gets paid for every thousand ads that are viewed. It has over 70,000 merchants and it can automatically route your links to the highest bidder who wants their product or service promoted.

Skimlinks

When signing up on Skimlinks you earn commissions through link referrals. When an affiliate signs up, they are required to simply copy and paste a short line of code into the footer of their site once. Links that you add from merchants that are signed up with the Skimlinks network will then earn you a commission rate when a reader clicks through the affiliate link and makes a purchase.

ShopHer

ShopHer is an affiliate program for women bloggers. This program helps female bloggers earn revenue through referrals to ShopHer’s network members. It provides affiliate links, sponsored posts and customized video female bloggers.

AWin (Affiliate Window)

Awin is another popular affiliate network that gives you access to over 13,000 different merchants. Some of the notable brands carried by AWin include Etsy, AliExpress, HP and Under Armour. They have a user-friendly system and offer twice-monthly payments with small minimum requirements in multiple currencies.

PeerFly.com

PeerFly is hailed as being the fastest-growing affiliate network program in the world. The program is a Cost-Per-Action (CPA) based affiliate ad network which means they are paid for their ads when those who view it complete the desired action. PeerFly has over 2,000 live offers and guarantees top pay-outs. In addition, it offers access to its rewards program and contests as an affiliate.

MaxBounty

MaxBounty is a performance marketing network which connects trusted affiliate marketers with high paying advertisers. For adverts placed on your site, this affiliate marketing program provides monetized rewards on a Cost-Per-Action basis.

Webgains

Webgains allows advertisers and publishing partners to generate additional revenue through its affiliate program. They offer support in terms of training to create content to drive clicks to brands, convert to sales and get paid. They cover industries that include technology, sports performance, lifestyle, travel and leisure, and more.

Pepperjam

Pepperjam allows an affiliate to help run promotions for its clients and earn revenues through commissions. Through its ascend platform it offers advanced tracking, robust reporting and payment flexibility.

Avantlink

AvantLink works with affiliate marketers on CPA and lead marketing. It offers multi-channel analytics and referral tracking for its affiliate marketers. Payouts are made through commissions, bonuses, paid placement earnings and cost-per-click earnings.

Reward Style

With Reward Style your job as an affiliate marketer is to bring new clients from external traffic sources to Reward Style’s network of clients. There are 5,000 retail partners and a higher number of products to choose from. As an influencer, you are required to generate mobile-first content that’s immediately shoppable and even applies on platforms like Instagram and Snapchat.

FlexOffers

Flexoffers provides programs from well-known brands and niche markets alike. As an affiliate marketer you have over 12,000 programs including JCPenney, Hulu, Microsoft, Lego, Gamefly, Lenovo, Nike, L.L. Bean, Xfinity. With its FlexRev-$hare program, you can refer as many publishers as possible and earn up to 50% of the FlexOffers.com profit.

10 Criteria to Select Affiliate Programs

When selecting an affiliate program to promote on your website or blog, the following factors matter the most:

Relevance to your audience: who your audience is will help determine what products and services they will be more willing to purchase or use. For you to get started in affiliate marketing you will need to understand and segment your audience to leverage them for businesses that are looking for promotional partners. This will require an understanding of who your audience is, what products or services might be of interest to them. A large and engaged audience will raise your chances of generating higher revenue.

Commission rate: Commissions for market affiliates are often paid on a monthly basis. Some commissions for electronics such as PCs and smartphones can go as low as 1. %. Others offer high commissions and can go up by 200% for specialized services such as loans, health care, or web hosting.

Average order value: Average Order Value (AoV) calculates the average dollar amount a customer places on order on a website or mobile application. This helps determine the long term value a customer brings to the business rather than focus on individual purchases. Simply explained it is about the quality of customers you bring rather than the numbers. Customers with high AoV indicate you are driving high volume sales which means you earn more in commissions as well as bonuses and incentives from the advertisers.

Cookie length: also known as cookie life it is the amount of time when all actions made by a user, directed by you from your site, are commissioned to you. This is all about referred customers not deciding to move into action quickly. Some businesses offer a week others offer a 90 day period. The longer the cookie length it increases the window where you receive commissions and rewards in the event the customer decides to make the purchase or take action.

Recurring commissions: also called lifetime commission it is an offering that pays every month the customer is active with the companies product or service. This is often offered among software companies and membership programs.

Dashboard, data, and support: are important for you to measure progress on your promotional efforts. Unless you measure it, it will be difficult to know where you excel and where you need to improve. It is also important to have good and responsive marketing collateral to bring more impact to your marketing efforts. Support also should come in terms of offering incentives and reward packages for good performers to recognize their work and encourage them to do more.

Payout threshold: refers to the minimum amount of money you need to make for you to receive payment. Some merchants or networks require a minimum of $100. This is in a bid to encourage more sales as well as avoid transaction and processing costs for small payments.

Fair merchants: As an affiliate in marketing you are a promotions partner for the merchant. For your services, you require compensation in terms of commissions and rewards. Some merchants look for ways to avoid paying commissions per sale after the fact and don’t treat their partners fairly. To avoid such conflicts it is important that you as an affiliate make sure to do your due diligence to see if the merchants have a fair paying affiliate program offers.

Link generators – An affiliate referral link is used to promote a merchant’s website or products. It has the affiliate’s ID or username appended to the URL so a specific affiliate can be tracked when a visitor or customer visits your website. If the customer successfully completes an action a referral will be generated and the affiliate will be awarded a commission. They can also generate their own referral URL from the merchant by pasting the page URL.

Restrictions – Some merchants do not allow an affiliate to use coupon sites or discount pages. This might be because they do not want to have a lot of bargain seekers. Others will not give you commissions if your referrals opt to use discount codes for their product.

Discounts – Does the merchant offer discounts, free trials, or special offers to your affiliate? These will do a lot to help speed up conversions as people will automatically take on the impression their risk has been somewhat reduced as a consequence of the offer.

What is the best affiliate program to join?

It’s hard to pick just one “best affiliate program” because it depends on your audience and their interests, as well as your own interest in promoting an offering. Instead of looking for a single best program, make sure what is best for you and get started. The list herein broken down by categories should help you pick the best affiliate marketing solution for your situation.

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This article, “Best Affiliate Programs – And the Highest Paying” was first published on Small Business Trends

https://smallbiztrends.com/

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chrisvarneyus · 5 years ago

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Your Guide To Conventional Mortgage Loans

As you consider applying for a mortgage, it can be equally comforting and daunting to know that there are so many options available as you look to finance the purchase of your home.

Conventional loans, sought by over 60% of all mortgage applicants, are what typically come to mind when you mention a mortgage. Conventional mortgage loans, also called conforming loans, are granted by private lenders who adhere to standards set by the federal programs of Fannie Mae and Freddie Mac. FHA loans, insured by the Federal Housing Administration, offer a commonly sought-after alternative to conventional loans. Here we discuss what it takes to qualify for each type of loan, as well as the benefits and pitfalls of each so that you can see which type of home loan might best suit your needs.

What Is A Conventional Loan?

A conventional loan is used to finance the purchase of either your primary residence, secondary residence, or a rental property.

Requires a 3% minimum down payment, can be as high as 10-20%, depending on what your lender requires.

Fixed interest rate or adjustable-rate (ARMs) terms.

Various term lengths, ranging from 10-30 years.

What Are Conventional Loan Requirements?

Conventional loan requirements are pretty stringent—especially when compared to government-backed mortgages. Private lenders want to make sure that you can afford the property that you are buying and that you will repay the loan. To assess your credit risk, they’ll make sure that you meet these minimums:

Credit Score: Most conventional loans require a minimum score of 620-640 but are better suited for applicants with credit scores above 680. The better your credit score, the better your interest rates, terms, and overall costs will be as you are considered a lower credit risk.

For those below this threshold, other loan options may have less favorable terms to account for the increased credit risk. If a conventional loan is in your future, pay attention to your score.

Debt-to-income (DTI) ratio: This measures your monthly debt obligations against your income. Lenders like to see numbers around 36% (the lower, the better your chances of approval), but maybe willing to consider you with a higher DTI depending on the circumstances. A high down payment (over 20%), an excellent credit score (700+), unusually large cash reserves, very high income, or stable, long-term job position (5 years or more at the same job) can all influence what DTI ratio your lender will allow.

Down Payment: Your down payment can vary widely, but expect to put down anywhere from 5-20% of your mortgage value down. The Conventional 97 program, for example, lets you put down as little as 3%, but some lenders require 10-20% or more for larger loans.

Income and Asset Documentation: Your lender will thoroughly verify your income and assets. Prepare to hand over the following when you apply for a conventional loan:

60 days of bank statements

30 days of pay stubs

Two years of tax returns if you’re self-employed, own rental properties or receive non-salary income (like retirement or a pension)

Two years of W2s

Proof of social security, retirement or pension awards and two years of 1099’s

Rental agreements for any investment properties that you own

Property Requirements: This year, the conventional loan limit is $510,400 for a single-family home. Higher-cost areas, like Seattle, Washington or Los Angeles, California, are eligible for larger maximum loans. For 2020, Fannie Mae and Freddie Mac have set conventional loan limits for Seattle at $592,250 and LA at $636,150. If you’re planning to finance multi-unit properties, those limits increase to accommodate the cost of additional units.

Conventional loans apply to many types of properties, including single-family homes, Planned Unit Developments (detached homes within a homeowner’s association), condos, multi-unit dwellings, co-op properties, and on occasion, manufactured homes.

You can also use conventional loans to finance the purchase of a second home or a rental property. In those cases, interest-rates and down payments are usually higher since the property is not your primary dwelling and, as such, is deemed higher risk by lenders.

What’s The Difference Between An FHA And A Conventional Loan?

FHA loans are home loans insured by the Federal Housing Agency. FHA loans have different qualifications and offer various benefits and drawbacks when compared to a conventional loan. These programs put homeownership within the grasp of many, employing less stringent qualification requirements. Depending on your circumstances, you might decide to choose one over the other.

There are a few fundamental differences between FHA and conventional loans.

Interest rates: Comparable to or lower than conventional loan rates.

Lower acceptable credit score: FHA loans are available to those with credit scores as low as 580. Even buyers with credit scores as low as 500 can obtain an FHA loan with a 10% or higher down payment. Conventional mortgages require a credit score of at least 620, and the lower the score, the higher the interest rate.

Higher acceptable debt-to-income ratio: DTI for an FHA loan should be 50% or less, with approval more likely below 43%. This allowance is slightly more generous than the 36% DTI that lenders like to see for conventional home applicants.

Employment History: Must be currently employed with a two-year income history.

Down Payment: FHA loans can be established with as little as a 3.5% down payment.

Duration: 15 or 30 years

Loan Limits: This year, the FHA loan limit is $331,760 in low-cost areas (significantly lower than the conventional loan limit) and $765,600 in more expensive markets. These limits vary by county.

Property restrictions: FHA loans are only for your primary residence. You must live in the home. You cannot purchase a second home or investment property or homes sold within 90 days of the previous sale using an FHA loan. FHA property appraisals are more stringent than conventional loan property appraisals. The property must be satisfactorily appraised for value, safety, construction, and compliance with local codes before you can take out an FHA loan.

FHA streamline refinance: Once you have an FHA mortgage that is in good standing and at least six months old, you can easily refinance your loan with potentially more preferable terms.

FHA Lenders: FHA-approved lenders are held to pretty high standards thanks to government involvement. Consequently, closing costs are generally limited to make homeownership more accessible.

FHA loans are assumable. If a buyer qualifies for the existing terms of an FHA mortgage, they can assume the loan and continue paying the existing loan and its original interest rate.

Private Mortgage Insurance

One of the most significant differences between the costs of conventional and FHA loans is private mortgage insurance (PMI). PMI protects the lender in case of default and features prominently in the costs associated with each mortgage.

A conventional loan:

Does not require PMI if you put at least a 20% down payment.

If you put down less than 20% down, once your loan-to-value ratio reaches 78%, your PMI automatically cancels.

Your PMI premium is correlated to your credit risk and the amount of your down payment. Lower premiums are for buyers with better credit.

FHA Loan:

Private mortgage insurance is required for the life of the loan.

The upfront mortgage insurance premium of 1.75% of your base loan amount is due either in cash or financed into it. After that, FHA loans are subject to annual mortgage insurance premiums.

The PMI on FHA loans is generally higher than for conventional loans.

You can only eliminate the PMI by refinancing to a conventional loan, or after 11 years if you put more than 10% down.

Which Mortgage Is Right For You?

Over 60% of mortgage applicants seek a conventional loan, and the FHA loan is the second most widely secured home loan product. Based on the differences outlined above, they each have their merits. While a big part of the decision lies in what you can qualify for based on your current financial circumstances, there are cases where the best choice may not be so cut-and-dry.

First, you should consider the property type. You can’t use FHA loans for vacation homes, rental/investment properties, or for homes that don’t pass stringent safety and value appraisals. Beyond that, consider your credit risk. Evaluate the options that provide you with the best bottom line. If you are well-qualified, with a 720 or higher credit score, a conventional loan may cost less per month even though FHA loans may have lower interest rates, thanks to the required PMI coverage. For both FHA and conventional loans, compare lenders carefully. Consider the terms and conditions of your offers and do not hesitate to shop around to find the best deal.

A Qualified Mortgage Banker Or Mortgage Broker Can Help You Decide

For additional guidance, feel free to enlist the help of a qualified mortgage banker or mortgage broker. They can help you weigh your options and determine the best loan for you and your family. If you have any questions about the conventional loan or FHA home loan process, please reach out to A and N Mortgage-we’re happy to help.

A and N Mortgage Services Inc, a mortgage banker in Chicago, IL provides you with high-quality home loan programs, including FHA home loans, tailored to fit your unique situation with some of the most competitive rates in the nation. Whether you are a first-time homebuyer, relocating to a new job, or buying an investment property, our expert team will help you use your new mortgage as a smart financial tool.

The post Your Guide To Conventional Mortgage Loans appeared first on .

from Loan News https://www.anmtg.com/mortgage-blog/tips-and-tricks/your-guide-to-conventional-mortgage-loans/

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mayarosa47 · 5 years ago

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Bankruptcy Lawyer Grantsville Utah

To calculate the size of your household, for purpose of determining your “allowable means test” expenses and deciding whether your Chapter 7 petition is presumptively subject to being dismissed, the bankruptcy court will use a “heads on the bed” approach and to fix household size at two, based on the fact that you and your spouse were living in the same home, without considering whether you provided any support to your spouse, or whether your spouse was dependent upon you. It is inappropriate to consider a household member’s dependency on the debtor when determining household size; and “household” should be understood in the ordinary sense of the word. You are only required to include your roommate’s monthly contributions to pay for household expenses in calculating your current monthly income, not all of the roommate’s monthly income. However, there are conflicting case laws on these issues. Hence it is important that you consult with an experienced Grantsville Utah bankruptcy attorney.

Special Circumstances

To qualify as a “special circumstance,” of a kind sufficient to rebut the statutory presumption arising under the means test that your Chapter 7 case was filed in bad faith, the circumstances need not be of an involuntary nature and have developed due to factors outside your control. Special circumstances are also scenarios that leave you with no reasonable alternative to the expense or adjustment of income. Special circumstances are ones that are out of the ordinary for an average family. An experienced Grantsville Utah bankruptcy lawyer can review your case to see if you qualify as a special circumstance.

If you are in a financial crisis and having to deal with creditors or are facing foreclosure, and you see no way out of your financial mess, consult with an experienced Grantsville Utah bankruptcy lawyer. The Grantsville Utah bankruptcy lawyer can help you file for bankruptcy under Chapter 7. Once you file a Chapter 7 bankruptcy petition, your creditors are legally barred from contacting you regarding the debt you owe them or taking any steps to recover the debts. The Congress enacted the bankruptcy code to give honest debtors a fresh start in life. You should avail of the bankruptcy option if all other options have been exhausted. Consult with an experienced Grantsville Utah bankruptcy lawyer to know your bankruptcy options.

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

Prior to 2005, a debtor’s initial filings with the Bankruptcy Court often included a motion seeking approval of a key executive retention plan (KERP). The 2005 Amendments put an end to that practice. A company is now required to show that each key management employee for which a retention bonus is sought has another offer that they will take if there is no KERP. This standard is nearly impossible to satisfy. It requires that each employee come to court and testify under oath that they have another offer and will leave absent the KERP. In addition, the debtor is required to prove that the services of the key employee are essential to the survival of the business. For many Chapter 11 companies, the crucial issue is not survival but value preservation for their constituents. Even if the company cannot show it will fail due to the loss of the employee, a successful liquidating plan usually depends on maximizing the value of the enterprise, which depends on retention of key managers. In addition, the retention bonus may not be more than 10 times the mean bonus to nonmanagement employees or, if no bonus was paid, an amount that is not more than 25%.

Essentially, the only bonuses available are those in effect prior to a debtor filing for bankruptcy, assuming those contracts can be assumed. A few courts have approved completion bonuses for executives who remain with a debtor, but even those arrangements are under fire.

Success Bonuses

The Bankruptcy Code, as amended in 2005, does not address incentive or success bonuses, other than a general provision that compensation must be justified by the facts and circumstances. Management compensation that includes a bonus based on a revenue or earnings target being achieved or a threshold sale price for an asset obtained appears to be allowed under the 2005 Amendments. The efforts of the manager receiving the bonus must be necessary to achieving the result for which the bonus is paid.

Termination of Employees

When a business is liquidated its employees are either terminated or, if they are lucky, given the opportunity of employment with the purchaser of the business segment for which they work. The termination of an employee can trigger obligations to comply with the federal Worker Adjustment and Retraining Notification Act (WARN Act), individual state WARN Acts, and even local labor laws. Termination of employment agreements give rise to claims against the debtor—some priority, some general unsecured. In this turmoil, the liquidator must do everything possible to preserve information held by such employees and seek their cooperation in future litigation brought by the liquidator.

The WARN Act of 1988 was enacted to protect workers, their families, and communities from plant closings and mass layoffs by requiring companies to give advance notice of termination, so that affected workers have time to seek other jobs or retraining. Usually, 60 days’ notice is required.

Determinations under the WARN Act are extremely fact sensitive. Whether or not the company is required to give notice and if so, to which employees, requires fact-gathering by the liquidator. The exact number of employees and their status as full-time or part-time must be determined before applying the law to the facts to make the relevant determination. Assuming WARN Act notice is required, even for a limited number of employees, the company may be able to take advantage of the faltering company exception in order to provide less than the normal 60 days’ notice of contemplated terminations.

WARN applies to a business or enterprise that employs (i) 100 or more fulltime employees or (ii) 100 or more employees who work in the aggregate at least 4,000 hours per week, exclusive of overtime. A part-time employee, for purposes of WARN, is an employee who (i) works fewer than 20 hours per week on average or (ii) who has been employed for fewer than 6 of the 12 months preceding the date on which WARN notice is required. Two events are covered by the WARN Act—plant closings and mass layoffs, both of which frequently occur when a business is being liquidated. Plant Closings

A plant closing is defined as the temporary or permanent shutdown of a single site of employment, if such shutdown results in an employment loss for 50 or more full-time employees (excluding part-time employees, as defined by WARN) during any 30-day period. The term “single site” has been litigated in several contexts. When the duties for the workers in question require point-to-point travel or where the workers are stationed or work primarily outside of the employer’s regular employment sites, the single site to which such employees are assigned, work out of, or report to is generally accepted as the single site they are covered under for WARN Act purposes. Foreign sites of employment are not subject to or covered by WARN.

As far as a debtor is concerned, each regional location would be considered a single site of employment and WARN notice would only be required to the extent that the debtor terminates 50 or more full-time employees at each such site. Put another way, if fewer than 50 full-time employees are terminated at each regional location which the debtor plans to close, WARN Act notice is not required.

Mass Layoffs

The second event covered by the WARN Act is a mass layoff. A mass layoff occurs when, in the absence of a plant closing, an employment loss at a single site of employment for any 30-day period is (i) at least one-third of the employees at the site and (ii) at least 50 full-time employees, or (iii) at least 500 full-time employees. In other words, a mass layoff occurs when a very substantial of the workforce occurs at a particular location.

The WARN Act requires 60 days prior written notice of the plant closing or mass layoff. Notice of the decision to engage in a plant closing or mass layoff must be provided to (i) each representative of the affected employees as of the time of the notice (i.e., their respective unions) or, if the affected employees have no such representative, to each affected employee, and (ii) (a) the state in which the dislocated worker unit is located and (b) the chief elected official of the unit of local government within which the plant closing or mass layoff is to occur. If multiple local government units exist, the unit to be noticed is the one to which the debtor paid the highest amount of taxes for the year preceding the year for which the decision to terminate is made.

An employer who violates the WARN Act by ordering a plant closing or mass layoff without providing the requisite notice is liable to each aggrieved employee for back pay for each day of violation and benefits under an employee benefit plan (as defined in Section 3 of ERISA). This amount is then reduced by the sum of (i) wages paid for the period of the violation, (ii) voluntary and unconditional payments which are not required by any legal obligation, and (iii) payments to a trustee or third party on behalf of the employee for the period of the violation.

A liquidator who is required to provide notice under the WARN Act and terminates the requisite number of employees without doing so, would be liable for 60 days of back pay to each aggrieved employee, with reductions as set forth above. Any such liability has been held to constitute wages and is entitled to both an administrative expense (for postpetition terminations) and a priority (for prepetition terminations) in bankruptcy. However, any priority for prepetition wages (i) is limited to $10,000 and (ii) would be reduced by amounts employees receive on account of prepetition wages paid pursuant to the first-day employee wage motions. An employer is only liable for each day of a violation. So, if the company gives no notice and terminates everyone immediately, the potential liability would be for a full 60 days of back pay to each aggrieved employee. However, if the company gave notice, but, for example 30 days later decided that enough was enough and let everyone go, the potential liability would only be for 30 days of back pay.

The strategy of firing the employees immediately prior to bankruptcy and rehiring them immediately thereafter has been considered. No WARN Act liability would be incurred by the debtor for this action, because the employment loss has not continued for the requisite 30-day period. Once the employees are rehired, however, the WARN Act notice period runs anew for any subsequent plant closings or mass layoffs, requiring a 60-day notice period.

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

The so-called faltering company exception provides that the 60-day notice period may be reduced if certain conditions are met. Specifically, if as of the time notice would have been required the employer (i) was actively seeking capital or business which, if obtained, would have avoided or postponed the shutdown and (ii) had a reasonable good faith belief that had notice been provided, it would have precluded the employer from obtaining the required capital or business, the notice period may be reduced. In this situation, the employer may provide less than 60 days’ notice but must provide as much notice as is practicable and must give a brief statement of the basis for the shortened period. This exception applies only to plant closings, not mass layoffs, is narrowly construed by courts, and a causal connection between the shutdown and the failure to obtain the business or capital must be shown.

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

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michaeljames1221 · 5 years ago

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Bankruptcy Lawyer Grantsville Utah

Special Circumstances

youtube

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

youtube

Success Bonuses

Termination of Employees

youtube

Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Bankruptcy Lawyer Midway Utah

What Not To Do If You’re About To Get Divorced?

Should I Keep The House In Divorce?

How Do I Get The Most Money For My Personal Injury Case?

How Is Property Divided In A Divorce?

Can You Get A Copy of Someone’s Will?

from Michael Anderson https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/

from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjordanutah.wordpress.com/2019/10/04/bankruptcy-lawyer-grantsville-utah/

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asafeatherwould · 5 years ago

Text

Bankruptcy Lawyer Grantsville Utah

Special Circumstances

youtube

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

youtube

Success Bonuses

Termination of Employees

youtube

Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Bankruptcy Lawyer Midway Utah

What Not To Do If You’re About To Get Divorced?

Should I Keep The House In Divorce?

How Do I Get The Most Money For My Personal Injury Case?

How Is Property Divided In A Divorce?

Can You Get A Copy of Someone’s Will?

Source: https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/

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aretia · 5 years ago

Text

Bankruptcy Lawyer Grantsville Utah

Special Circumstances

youtube

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

youtube

Success Bonuses

Termination of Employees

youtube

Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Bankruptcy Lawyer Midway Utah

What Not To Do If You’re About To Get Divorced?

Should I Keep The House In Divorce?

How Do I Get The Most Money For My Personal Injury Case?

How Is Property Divided In A Divorce?

Can You Get A Copy of Someone’s Will?

Source: https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/

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advertphoto · 5 years ago

Text

Bankruptcy Lawyer Grantsville Utah

Special Circumstances

youtube

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

youtube

Success Bonuses

Termination of Employees

youtube

Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Bankruptcy Lawyer Midway Utah

What Not To Do If You’re About To Get Divorced?

Should I Keep The House In Divorce?

How Do I Get The Most Money For My Personal Injury Case?

How Is Property Divided In A Divorce?

Can You Get A Copy of Someone’s Will?

Source: https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/

0 notes

melissawalker01 · 5 years ago

Text

Bankruptcy Lawyer Grantsville Utah

Special Circumstances

youtube

Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

youtube

Success Bonuses

Termination of Employees

youtube

Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Bankruptcy Lawyer Midway Utah

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from Michael Anderson https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/188118304565

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gonnagoandrunwiththehorses · 5 years ago

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Bankruptcy Lawyer Grantsville Utah

Special Circumstances

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Corporate Bankruptcy and Personal Bankruptcy

Until 2005, retention bonuses of many millions of dollars were paid to management personnel who stayed through a Chapter 11 case. The 2005 Amendments significantly restrict these payments.

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Success Bonuses

Termination of Employees

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Mass Layoffs

If you are planning to liquidate your large business through bankruptcy, speak to an experienced Grantsville Utah bankruptcy lawyer.

Bankruptcy-Related Exceptions

Grantsville Utah Bankruptcy Attorney Free Consultation

When you need help with a personal or business bankruptcy in Grantsville Utah, please call Ascent Law LLC at (801) 676-5506 for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

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Recent Posts

Bankruptcy Lawyer Midway Utah

What Not To Do If You’re About To Get Divorced?

Should I Keep The House In Divorce?

How Do I Get The Most Money For My Personal Injury Case?

How Is Property Divided In A Divorce?

Can You Get A Copy of Someone’s Will?

Source: https://www.ascentlawfirm.com/bankruptcy-lawyer-grantsville-utah/

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