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How to Bypass Grocery Store spending traps

fresh-meattomato

Watch for the “funnel.”
Watch out for the displays purposely set in the middle of aisle containing all the seasonal items you usually wouldn’t consider buying. Stick with the Shopping list

Go Alone!
Taking your kids or spouse can add up to 40% onto your bill! Not only are you throwing the kids favorite snacks into the cart, you now have company to slow you down and who has time to waste at the grocery store these days!

Avoid Middle aisles when possible.
Many people have heard that everything you need is on the outer edge of a grocery store. Sticking to the outer edge you will find your produce, meat, and dairy. The middle aisles are usually full of the pricey packaged snack foods.

Watch out for the inviting piled up displays.
A beautiful display of merchandise draws attention from the eye, but can you resist picking up the items? The store hopes you will pick up the items since research has shown that touching the merchandise increases the likelihood you will purchase the item.

Steer clear of endcaps.
At the end of each aisle are what we call “endcaps” or display spaces where manufacturers pay extra to have the items featured. Once again sticking to a list will help you avoid lingering to these displays making it less likely that you will purchase these unnecessary items.

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Investment in your future- Prevent it from turning into Bad Debt

How Student Loans Become Bad Debt

Failing to keep this simple equation in mind is how student loans quickly become bad debt.  Remember, a student loan is a mortgage on your future earnings . When you buy a house, the collateral for the loan is the house. When you buy a car, the collateral for the loan is the car. If you don’t repay these loans, the lender simply takes the house or car. But when you borrow with student loans, the collateral is your future earnings. If you don’t repay your student loans, the government will garnish your future earnings.

to learn more about student loan debt calculations and how much you should borrow based on what your salary will be, visit the link below.

http://www.forbes.com/sites/robertfarrington/2014/04/21/student-loan-debt-the-best-and-worst-debt-to-have/

(Robert Farrington)

That being said it is very important we think into the future, when you will be paying back these loans. That’s right, voluntarily rather than them forcing you to pay the loans back. By setting up your student loans early on a biweekly payment plan that will allow an extra payment a year to go directly to the principle you can have your student loan paid off even earlier and eliminate some of the interest the bank would get back from you. Looking at the example below will show you how using the Biweekly Program that Nationwide Biweekly Administration offers could assist in the payoff.

Analysis

Student Loan Analysis from Nationwide Biweekly Administration
Ran for a total debt of $29,400 at 4% interest rate.
For your customized analysis call (800)317-1756

Option 1)

Total Debt: $29,400

Interest Rate: 4%

Minimum monthly payment: $75

Pay off in 45 years!

 

Option 2)

Total Debt: $29,400

Interest Rate: 4%

Minimum Biweekly Payment: $40.45

Pay Off in 39.3 years (saving 69 months and $2,217.77 in interest)

Option 3)

Total Debt: $29,400

Interest Rate: 4%

Minimum Biweekly Payment: $65.45

Pay off in 20.1 years (saving 299 months and $19,195.63 in interest

 

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New Year Resolutions & Goals

2014

new year resolutions & goals

 

 

WHAT: Goal setting is used by top-level athletes, successful business-people and achievers in all fields.

Setting goals gives you long-term vision and short-term motivation . Who doesn’t want to make the most of their life?!?

HOW: By setting sharp, clearly defined goals, you can measure accomplishments and see the progress.

With a clearly defined goal you will now see your achievement in what might have previously seemed unproductive and useless.

Have you ever heard someone say, “Work smarter not harder”?  We can all take away a valuable lesson if we apply this to everyday situations and simply plan our work and work our plan. It’s time to put pen to paper and set your new year’s resolutions goals.

 

SMART Goals

A very useful way of making goals more powerful is to use the SMART mnemonic. While there are plenty of variants (some of which we’ve included in parenthesis), SMART usually stands for:

 

S – Specific (or Significant)

M – Measurable (or Meaningful)

A – Attainable (or Action-Oriented)

R – Relevant (or Rewarding)

T – Time-bound (or Trackable

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Nationwide Biweekly Administration, Inc. Successfully Completes SSAE 16 Type II Audit

Nationwide Biweekly Administration, Inc. Successfully Completes SSAE 16 Type II Audit

 

 

November 18, 2013—Xenia, OH—Nationwide Biweekly Administration, Inc. (“NBA”), one of the nation’s largest and most recognized biweekly program administrators, announced today that it has successfully completed its first SSAE 16 Type II audit.  NBA’s compliance with the SSAE 16 audit demonstrates its high level of commitment to solid operating procedures while maintaining the highest level of internal controls.

 

SSAE 16 is an internationally recognized third-party assurance audit for service providers.  SSAE 16 is a new reporting standard for services organizations put forth by the Auditing Standards Board (ASB) of the American Institute of Certified Public Accountants (AICPA).  As part of the audit, a number of operating controls related to NBA’s internal policies and procedures were examined.  These controls include: company wide management systems, policies and procedures, network operations, customer data integrity and security, and computer controls.

 

“Receiving this important designation from a top auditing firm reaffirms NBA’s commitment to our customers and business partners, said Daniel Lipsky, President, NBA.  “Through strict adherence to compliance and internal controls we’re able to provide peace of mind and world-class service to our customers.”

 

 

ABOUT NATIONWIDE BIWEEKLY ADMINISTRATION, INC.

 

Nationwide Biweekly Administration, Inc., located in Xenia, Ohio, provides payment service and processing to the general public through the Interest Minimizer program.  Established in 2002, NBA is licensed and bonded and is registered with FinCEN as a money services business. 

 

 

For more information about NBA, visit http://www.nbabiweekly.com, like the Facebook page at http://www.facebook.com/nationwidebiweekly.

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What is Nationwide Biweekly Administrations Biweekly Program?

Nationwide Biweekly Administration

Interest Minimizer Overview

(Transcription Below)

You’re about to learn one of the greatest financial secrets of our time. One that you can use to save thousands of dollars in interest charges. Each year, millions of Americans pay billions of dollars in unnecessary interest charges and lose out on growing their home equity much faster. How much money in equity are you losing to interest payments? Chances are it’s a lot more than you realize. For most of us, it’s thousands of dollars every year.

It doesn’t have to be that way. Most of us, we budget wisely, we shop for items on sale, and then we make sure we get a good deal for our hard-earned money. But when it comes to paying interest, most of us are needlessly giving away our money. Actually, losing it and we don’t know it. Fortunately there’s something you can do about it. The secret is the Interest Minimizer Program. A safe, convenient, and proven way to cut tens of thousands of dollars in interest charges off your existing loans including your mortgage, equity lines of credit, auto loans, student loans, and even credit card debt.

With the Interest Minimizer, your monthly payment is decreased to a much smaller bi-weekly amount and automatically debited every two weeks. We’ll conveniently match these debits to your pay schedule. Now, budgeting for a large mortgage payment has become a lot easier. No more checks to write or late fees to worry about. You’ll love how simple and easy it is. In fact, hundreds of thousands of American families are using the Interest Minimizer, saving billions of dollars in interest.

When you see the savings and how much you’ve been spending unnecessarily, you’ll want to sign up for the Interest Minimizer because the plan manages the bi-weekly or weekly schedule for you. Simply, painlessly, and automatically. Calculate your interest savings to see your specific savings. Or to speak with one of our friendly savings analysts, call the number on the screen. In just 10 minutes, we can show you how to stop overpaying interest and start saving money. Call us now.

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Nationwide Biweekly Administration Business Tour

Take a tour of Nationwide Biweekly Administration, and see why the administrator of Interest Minimizer bi-weekly mortgage program gets an A+ rating from the Better Business Bureau

 

 (Transcription Below)

Welcome to the headquarters of Nationwide Biweekly Administration, an American company based in beautiful Xenia, Ohio. We’re proud to be the nation’s largest privately held bi-weekly payment administrator. As a fully licensed and bonded company registered with FinCEN as a money transmitter, we process billions of dollars in payments to over 5000 financial institutions. In fact, we process millions of transactions for hundreds of thousands of customers just like you.

When you partner with Nationwide Biweekly, you’ll quickly understand why our size, stability, quality, and professionalism have earned us an A+ rating from the Better Business Bureau. When you call to inquire about the benefits of our Interest Minimizer and Advanced Interest Minimizer programs, you are connected with one of our professionally trained savings analysts. They’re skilled at assisting people. And dramatically, reducing interest charges and paying off all kinds of debts faster including mortgages, home equity loans, credit cards, auto loans, student loans, virtually any interest bearing loan.

To ensure that we deliver world class service to you, Nationwide Biweekly hires only the best talent available in our area. That’s why we pay our savings analysts well above industry average which ensures high quality employees and low turnover. This means you will have professional, qualified, and enthusiastic people working on your behalf to save you from wasting money on unnecessary interest charges. Our savings analysts are provided a four-week classroom training program, ongoing mentor training and call monitoring, state of the art computers and software systems, access to our industry leading client management application, proprietary interest minimizer savings analysis software, professionally developed educational customer videos.

After you become a Nationwide Biweekly customer, you are assigned to our courteous and friendly customer service department. We ensure that Nationwide Biweekly has only the best, brightest, and most customer-oriented employees. It’s one of the keys to our success. During our rigorous three-step interview process, applicants are evaluated to ensure they have the aptitude and attitude to assist customers with their financial needs. The results of our commitment to providing high quality customer service have paid off. We randomly surveyed 743 of our customers and asked three important questions. Here are the results.

Was the representative professional and helpful? 99.3% of those surveyed answered yes. Are you satisfied with the benefits of the bi-weekly program? 97.3% answered yes. Would you recommend our company to someone else? 96.4% said, yes they’d recommend us. That’s quite a testament to our dedicated employees and their desire to deliver high levels of customer satisfaction and it means you can expect to receive this same level of customer service, too. We maintain this standard of excellence by having all employees undergo a rigorous training curriculum.

Once hired, new employees participate in a comprehensive 60-day orientation with the first 30 days spent in training classes being trained, mentored, and tested by our corporate trainers. As part of our ongoing training efforts, Nationwide Biweekly supervisors call our analysts and customer service representatives posing as actual customers to give them real world experience. We record the calls and play them back in one-on-one coaching sessions. That way, we ensure that not only are our representatives friendly, courteous, and professional, they are also knowledgeable and skilled at answering your questions.

Our employees genuinely enjoy working at Nationwide Biweekly and working with each other. Our facilities are designed to provide a safe, secure, and fun place to work. The bottom line is happy employees make better employees, and that benefits everyone. Thank you for taking a tour of Nationwide Biweekly, an American company offering innovative money saving services to hardworking people just like you. From our dedicated professional staff to our world-class customer service, industry leading tools and rigorous training, we are on a mission to help millions save billions.

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What is the Health Insurance Marketplace

obamacare-health-insurance-marketplace

The Marketplace is a new way to find quality health coverage.It can help if you don’t have coverage now or if you have it but want to look at other options. With one Marketplace application, you can learn if you can get lower costs based on your income, compare your coverage options side-by-side, and enroll.

When you Apply

When you use the Health Insurance Marketplace, you’ll fill out an application and see all the health plans available in your area. You’ll provide some information about your household size and income to find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs.  The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP). Most Americans will be eligible to use the Marketplace. Learn more about Marketplace eligibility. The Health Insurance Marketplace is sometimes known as the health insurance “exchange.”

healthcare-gov-marketplace-graphic (1)-thumb-570x335-125914

How to Apply

You can apply for Marketplace coverage 4 ways: with a paper application, online, by phone, or in person with the help of a Navigator or other qualified helper. Telephone help and online chat are available 24/7 to help you complete your application. You can a copy of the application. Get details about all 4 ways to apply for Marketplace coverage. Plans and prices are now available. Coverage starts as soon as January 1, 2014. Open enrollment ends March 31, 2014. Learn about your options if you need coverage that begins before January 1, 2014.

 Find the Marketplace in your state

While all insurance plans are offered by private companies, the Marketplace is run by either your state or the federal government.

How will the Information be presented

The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, and other features important to you before you make a choice. Plans will be presented in five categories – bronze, silver, gold, platinum, and catastrophic – to make comparing them easier. In the Marketplace, information about prices and benefits will be written in simple language. You get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. Compare plans based on what’s important to you, and choose the combination of price and coverage that fits your needs and budget.

Make sure to preview plans and estimated savings

Before you fill out a Marketplace application, you can do 2 things to learn your options: 

Use a cost and savings calculator to see if you may qualify for lower costs based on your household size and income.

Preview plans and prices available in your area. Note: Prices shown do not account for any savings you may be eligible for based on your household size and income.

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Hit A Creative Wall?

A criatividade vem de onde menos se espera :)

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Nationwide Biweekly Administration Earns BBB Accreditation

Nationwide Biweekly Administration Is Committed to BBB’s Standards of Trust

This week, Nationwide Biweekly Administration announced its recent Accreditation by your Better Business Bureau of Dayton/Miami Valley, Inc. As a BBB Accredited Business, Nationwide Biweekly Administration is dedicated to promoting trust in the marketplace. Its Accreditation will help people understand who the organization is and the core values it believes in. You can check out Nationwide Biweekly Administration’s BBB reliability report by visiting www.bbb.org or calling (937) 222-5825 or (800) 776-5301.

John North, BBB president and CEO, says, “BBB Accreditation is an honor. It’s voluntary and Accredited Businesses must meet and maintain your BBB’s Standards of Trust, a comprehensive set of policies, procedures and best practices representing trustworthiness in the marketplace. The standards call for building trust, embodying integrity, advertising honestly and telling the truth, being transparent, honoring promises, being responsive and safeguarding privacy.”

He continues, “Businesses that meet your BBB’s high standards are invited to apply for Accreditation. Applicants undergo a review process and ultimate approval by your BBB’s Board of Directors. According to Princeton Research, seven in ten consumers say they are more likely to buy from a company designated as a BBB Accredited Business.”

“We are proud to have met your BBB’s high standards and we’re excited to be part of an organization that exists so consumers and businesses alike have an unbiased source to guide them on matters of trust,” said Daniel Lipsky ”We value building trust with our customers and our Accreditation gives our customers confidence in our commitment to maintaining high ethical standards of conduct.”

Daniel Lipsky continues, “Our Accreditation signifies our commitment to customer service, reliability and trust. For any organization to excel in today’s environment, it’s critical it be fully committed to excellence. Our acknowledgement by your BBB aligns with and supports our efforts of providing superior service in the marketplace.”

About Nationwide Biweekly Administration

Nationwide Biweekly Administration is one of the nation’s largest and most recognized administrators for biweekly programs. Through their Interest Minimizer Program, NBA processes billions of dollars worth of mortgage payments for hundreds of thousands of customers. All payments are securely processed through the Federal ACH Banking System with their banking partners.

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A Visual Guide to Budgeting

A Visual Guide to Budgeting

A Visual Guide to Budgeting

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