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الجمعة، 27 ديسمبر 2019

Wawa facing lawsuits over data breach at all of its stores

PHILADELPHIA (AP) — The Wawa convenience store chain is facing a wave of lawsuits over a data breach that affected its 850 locations along the East Coast.Wawa Inc. discovered malware on its payment processing servers this month before stopping the breach Dec. 12, the company has said. Officials with the company, based in Wawa, Pennsylvania, believe the malware had been collecting card numbers, customer names and other data since as early as March.The Philadelphia [...]

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These 9 Free TV Apps Let You Watch Your Favorite Shows — Without the Bill

As cable subscription prices rise higher and higher and customer satisfaction ratings dive lower and lower, cutting the cable has never been more popular. 

Sure, there are the usual big names in streaming services available for a monthly fee, but it’s possible to kick subscription fees entirely.

Luckily, there are more options than ever for replacing your traditional cable setup.  Many free streaming services have stepped up to offer access to content overlooked by subscription-based services. 

Of course, there are some rather shady options out there that stream pirated content. But there are plenty of free, legal streaming apps that provide no-strings-attached cable cutting solutions.

9 Free TV Apps That Will Help You Cut Cable

Check out these free TV apps that will help you cut the cord but still let you enjoy your favorite TV shows.

1. Crackle

Crackle is one of the go-to names not just in free streaming but in streaming video in general. The cost-free service has a variety of content, ranging from classics like “Bewitched” and “All in the Family,” as well as the newer “Snatch” series. It also has hundreds of films from major studios. 

For a free streaming service, Crackle’s library is truly impressive. Crackle even has a handful of original series to its name. Best of all, Crackle works on nearly all mobile devices, streaming boxes, and smart TVs.

2. Tubi TV

Tubi TV has deals with major studios like Paramount Pictures, Metro-Goldwyn-Mayer (MGM) and Lionsgate. It also features lots of foreign and independent productions. 

Tubi TV’s library is updated regularly, and the service claims to add new content every week. The Tubi TV app works on Android and iOS devices, Roku, Apple TV, Xbox, Samsung Smart TVs and Amazon Fire TV.

To be honest, when I first heard of Tubi TV, I was skeptical because I always viewed apps like it as having the movies no one wanted to see. However, I was pleasantly surprised — the library is solid.

Since the service is ad-supported, you can expect to watch a couple minutes of ads every ten minutes or so. The experience is pretty similar to watching normal television. 

3. Pluto TV

Pluto TV stands out in the free streaming crowd in that the service offers channels of linear content much like a cable package. There are dozens of movie channels, sports channels, news — and even some highly curated streams of niche content. 

Pluto TV boasts a large list of supported devices including iOS and Android devices, Amazon Fire TV, Roku, Apple TVand Chromecast devices and Android TV. 

Like Tubi TV, Pluto TV has advertisements. It’s pretty similar to the ad load of normal TV. 

4. NewsON

Streaming video isn’t always just about entertainment. For the more serious-minded cord-cutters out there, the NewsON app provides hundreds of local and national news streams. 

Both live and on-demand news broadcasts can be streamed from over 275 local news affiliates in 160 markets. The broadcasts are available for up to 48 hours after they air. 

Users can then select which news segments they want to watch from categories like sports, weather or entertainment. NewsON is compatible with iOS and Android phones and tablets, as well as Roku.

I find NewsOn particularly useful when I don’t want to deal with hooking up an antenna. As far as local programming is concerned, the news is really all I need.  

5. Funny Or Die

Funny or Die is without a doubt the go-to streaming app for comedy programming. Founded in 2007 by contemporary comedy giants Will Ferrell and Adam McKay, it has since grown to be a full-blown production house featuring original content from some of the biggest names in show business. It also has syndicated content In 2018, the platform began publishing on Vox Media’s Chorus and now uses the YouTube Player.

Content on the app must be streamed and cannot be downloaded. 

As for my personal experience, I’ve honestly spent quite a bit of time laughing my butt off at the videos. Funny or Die is easy to use and great for finding new hilarious content.

6. PBS Kids

Kids need free streaming content, too. Luckily, PBS has a PBS Kids Video app that provides hundreds of hours of educational and enriching content just for the youngest members of any family. The app has a colorful, child-friendly interface, which makes it easy for kids to take control themselves. 

Videos from many of PBS’s most popular series are available for streaming including “Curious George,” “The Cat in the Hat Knows a Lot About That” and “Sesame Street.” The PBS Kids app is supported for Android, Windows and iOS phones and tablets.  

7. Crunchyroll

Anime and manga fans are likely already familiar with Crunchyroll. The sushi-inspired name stems from the fact that Crunchyroll specializes in mostly Japanese content, but it also features films and series from all over the world. Crunchyroll boasts a library of thousands of anime films and series, many of which are hard to find on other streaming services. 

There is a paid premium feature, but the free Crunchyroll service has thousands of hours of popular series like the “Dragon Ball” franchise, “Attack on Titan,” “Naruto” and “One Piece.” The Crunchyroll app is supported by Apple, Android and Windows mobile devices, as well as by gaming consoles, Chromecast, Apple TV and Roku. 

Crunchyroll is a great app for anyone with an interest in anime. Of course, when it comes to anime content, you have to be watchful with your younger children, as a lot of it is geared towards teens (and sometimes even adults). 

8. Twitch

For anyone with even a passing interest in gaming and esports, Twitch is the go-to free streaming service. 

Twitch hosts user-created channels and streams focused on video games and other esports. It features a built-in chat feature, so users can chat with other streamers in real time. 

While there are thousands of free streams, Twitch also features premium features for a monthly subscription. Twitch apps are compatible with PCs, iOS and Android devices, game consoles, Chromecast and Fire TV. While Twitch is popular with children, parents should beware: Twitch streams are somewhat unregulated and can sometimes contain adult language or content.

9. YouTube

Yes, YouTube. No list of cost-free streaming video services would be complete without it. YouTube apps are compatible with just about every device out there that has a screen, and the service features videos to choose from on nearly any topic imaginable. 

Most of those videos are not exactly premium content, but there are still plenty of full-length films, documentary series and curated channels that provide cost-free entertainment for the whole family. 

While there are ways to download YouTube content for offline viewing, proceed with caution: Many of these sites and apps are full of malware.

With so many free streaming options out there, it’s easier than ever to cut the cord and save big. Whether you’re looking to keep up with the news, find a good movie for date night or entertain your kids with educational content, a streaming service exists to ensure you can do so without paying a dime. Try them out and see which works best for you. 

Chris Brantner is a contributor to The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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10 Tips if Your New Year’s Resolution Is a Better Credit Score in 2020

If you want to make a big purchase in the near future or you just want to whip your finances into shape, here’s a good New Year’s resolution: improving your credit score.

A lot of New Year’s resolutions fail because they’re so extreme. Think of all the bonkers weight-loss and money-saving goals that surface at the start of every year.

This resolution is different. No extreme measures are required. But there aren’t any shortcuts — building good credit is a goal you need to commit to 12 months a year.

How to Build Good Credit in 10 Steps

Ready to make 2020 the year you finally prove your creditworthiness? Here’s how to build good credit in 10 steps.

1. Duh. Pay Your Bills. On Time. Every Single Month

Yeah, you knew we were going to say this: Paying your bills on time is the No. 1 thing you can do to build good credit. Your payment history determines 35% of your score, more than any other credit factor.

Set whatever bills you can to autopay for at least the minimums to avoid missing payments. You can always pay extra if you can afford it.

A strong payment history takes time to build. If you’ve made late payments, they’ll stay on your credit reports for seven years. The good news is, they do the most damage to your score in the first two years. After that, the impact starts to fade.

2. Stay on Top of Your Credit Reports

Sure, it may sound like wishful thinking to hope that your low credit score is just a mistake. But about 1 in 5 credit reports contain inaccurate information, so it’s essential to verify that yours isn’t among them.

Get a free copy of your credit reports from each of the three major bureaus at AnnualCreditReport.com. File a dispute with the bureaus if you find anything you think is inaccurate or any accounts you don’t recognize.

Your credit reports won’t show you your credit score, but you can use a free credit-monitoring service to check your score. (No, checking your own credit doesn’t hurt your score.) Many banks and credit card companies also give you your credit scores for free.

Pro Tip

If the bureaus agree to remove information from your credit reports, expect to wait about 30 days until your reports are updated.

3. Establish Credit, Even if You’ve Made Mistakes

You typically need a credit card or loan to build a credit history. (Sorry, but all those on-time rent and utility payments are rarely reported to the credit bureaus, so they won’t help your score.)

But if you have bad credit or you’re a credit newbie, getting approved for a credit card or loan is tough.

Don’t apply for credit willy-nilly. Look for cards that are specifically marketed to help people start or rebuild credit.

Opening a secured credit card is one of our favorite ways to build a positive history when you can’t get approved for a regular credit card or loan. You put down a refundable deposit, and that becomes your line of credit. 

After about a year of making your payments on time, you’ll typically qualify for an unsecured line of credit. Sweet! Just make sure the card issuer you choose reports your payments to the credit bureaus.

4. Ask for a Limit Increase. Pretend You Never Got It

Increasing your credit limits helps your score because it decreases your credit utilization ratio. That’s credit score speak for the percentage of credit you’re using. The standard recommendation is to keep this number below 30%, but really, the closer to zero the better.

If you have open credit, ask your current creditors for an increase, rather than applying for new credit. That way, you’ll avoid lowering your length of credit, which could ding your score. 

The downside of a higher credit limit: You’ll have more money to spend that isn’t really yours. To get the biggest credit score boost from a limit increase and avoid paying more in interest, make sure you don’t add to your balance.

Pro Tip

Don’t believe the myth that carrying a small credit card balance helps your credit score. Paying off your balance in full each month is best for your score, plus it saves you money on interest.

5. Prioritize Credit Card Debt Over Loans

Tackling credit card debt helps your credit score a lot more than paying down other debts, like a student loan or mortgage. The reason? Your credit utilization ratio is determined exclusively by your lines of credit.

Bonus: Paying off credit card debt first will typically save you money, because credit cards tend to have higher interest rates than other types of debt.

6. Keep Your Old Accounts Active

The higher the average age of your credit accounts, the better. So as long as you aren’t paying ridiculous fees, keep your credit card accounts open once you’ve paid off the balance. 

Make a purchase at least once every three months on the account, as credit card companies often close inactive accounts. Then pay it off in full.

7. Apply for New Credit Selectively

When you apply for credit, it results in a hard inquiry, which usually drops your score by a few points. So avoid applying frequently for new credit cards, as this can signal financial distress.

But if you’re in the market for a mortgage or loan, don’t worry about multiple inquiries. As long as you limit your shopping to a 45-day window, credit bureaus will treat it as a single inquiry, so the impact on your score will be minimal.

8. Still Overwhelmed? A Debt Consolidation Loan Could Help

If you’re struggling with credit card debt, consolidating your credit card debt with a loan could be a good option. In a nutshell, you take out a loan to wipe out your credit card balances.

You’ll get the simplicity of a single payment, plus you’ll typically pay less interest since loan interest rates tend to be lower. (If you can’t get a loan that lowers your interest, this probably isn’t a good option.)

By using a loan to pay off your credit cards, you’ll also free up credit and lower your credit utilization ratio.

Many debt consolidation loans require a credit score of about 620. If your score falls below this threshold, work on improving your score for a few months before you apply for one.

9. Keep Your Credit Score in Perspective

All the credit-monitoring tools out there make it easy to obsess about your credit score. But your credit score isn’t a report card on the state of your finances. It simply measures how risky of a borrower you are.

So while it’s important to build good credit, remember to look at the bigger picture. Having an emergency fund, saving for retirement and earning a decent living are all important — but none of these things directly affect your credit score.

Also, lenders often look at more than just your credit score when they approve you for a big purchase. Having a low debt-to-income ratio, decent down payment and steady paycheck all increase your odds of approval even if your credit score is lackluster.

Focus on your overall financial picture, and you’ll probably see your credit score improve, too. That will help you reach your goals in 2020 and beyond.

10. Remember: Building Good Credit Is a Long-Term Goal

Yes, your score could go up pretty quickly if you get negative information removed from your credit reports or if your credit card company agrees to a giant limit increase.

But in most cases, improving your credit score is a long-haul game. You’ll usually see your score increase gradually as you make on-time payments and pay down your balances. 

Also, know that small credit score changes are normal. Don’t feel like you’re failing if your score drops by a few points one month. It’ll usually bounce back.

The most important lesson is to just keep at it. This isn’t a fad diet. Slow and steady is what wins this game.

Robin Hartill is a senior editor at The Penny Hoarder. She edits and writes stories about bank accounts, credit scores, home buying, insurance, investing, retirement and taxes. She is also the voice behind the Dear Penny personal advice column, which is syndicated in the Tampa Bay Times Sunday business section.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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Economy Booming as Shopping and Stocks Set Records in 2019

Wall Street investors are looking to finish the year with a bang as stocks continue to set new records.

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Best Video Conferencing Services

Video conferencing plays a crucial role in the business world. Whether it be for communicating with remote employees, clients, prospects, or team members at other locations, nearly everyone needs video conferencing software at one point or another.

In our personal lives, we use technology like Skype or Facetime to communicate with video. But that software isn’t sufficient enough for a large-scale video conference.

If you’re ready to take your conference calls to the next level with video, you need to read this guide.

I’ll explain everything you need to know about how to choose the best video conferencing service for your business. Regardless of your company size, industry, or conferencing needs, there’s definitely an option for you below.

The 8 Best Video Conferencing Services

There are hundreds of video conferencing choices on the market today. So finding the best one for your business can be overwhelming if you don’t know what to look for or where to start.

Fortunately, I’ve already done all of the research and heavy-lifting for you. I narrowed down and reviewed the top eight choices for video conferences. We’ll cover the top benefits, prices, and potential drawbacks of each option as we continue.

GoToMeeting

gotomeeting

GoToMeeting is a top choice for video conferencing and conference room capabilities. The platform makes it easy for you to turn any video conference into a highly collaborative workspace.

This is one of the top video conferencing solutions for accommodating both remote workers and clients alike.

Another top benefit of GoToMeeting is its ability to integrate with the systems your business is currently using. It’s used by sales managers, business owners, and IT teams as well.

GoToMeeting also offers an all-in-one hardware and software kit for those of you who want to transform your physical conference room into a digital one. This hardware is more advanced than the built-in cameras, microphones, and speakers on your current devices.

Some other top features and benefits of using GoToMeeting for video conferencing include:

  • Cloud collaboration
  • Automatic bandwidth adjustments
  • Available on Mac, PC, iOS, and Android
  • Single-click start and join sessions
  • Multi-channel support
  • Integrated scheduling

Unlike the other platforms that we’ve reviewed so far, GoToMeeting has just two plans for you to choose from:

  • Professional — $14 per month 
  • Business — $19 per month

The plans are very similar. GoToMeeting offers unlimited meetings and unlimited meeting durations with both options. You’ll also benefit from things like Salesforce integration, Slack meeting launcher, and an admin center with each.

The biggest difference between Professional and Business is that they can host up to 150 and 250 participants, respectively.

In addition to more participants, the Business plan gives you access to transcripts, keyboard and mouse sharing, unlimited cloud storage, and mobile cloud recording.

I think it’s a no-brainer to sign up for the Business option instead of Professional. The added benefits are worth the extra $5 per month.

GoToMeeting does offer enterprise-grade plans for up to 3,000 participants. But those prices aren’t available online. You’ll need to speak to a sales rep for a custom quote.

Save 16% on your GoToMeeting plan with an annual contract. You can try GoToMeeting for free with up to 250 participants for 14 days.

Zoom Meetings

zoom

Since launching in 2011, Zoom has quickly become an industry leader in the video conferencing space. The software is trusted by large businesses like Ticketmaster, Uber, Pandora, and GoDaddy, to name a few.

I like Zoom because of its simplicity and versatility. They have a plan for businesses of all shapes and sizes, including a free option.

Zoom has video conferencing capabilities with up to 1,000 participants, and up to 49 videos on the screen simultaneously.

The platform is secure, with role-based user security options, password protection, and waiting rooms. Zoom makes it easy for your team to collaborate with screen sharing, filing sharing, and other interactive features.

Zoom is modern, so naturally, the service can be accessed from a mobile app as well. This is perfect for participants who are on the go and unable to reach a computer for a meeting.

Here’s an overview of the different plans, features, and prices for Zoom Meetings:

Basic — Free

  • Unlimited one on one meetings
  • Up to 100 participants
  • 40 minute limit on group meetings
  • Unlimited number of meetings

Pro — $14.99 per month per host

  • All basic features
  • 24 hour meeting limit
  • User management tools
  • Admin feature controls
  • Reporting tools
  • 1 GB of cloud recording

Business — $19.99 per month per host

  • All Pro features
  • Minimum 10 hosts
  • Up to 300 participants
  • Dedicated phone support
  • Company branding
  • Cloud recording transcripts
  • Admin dashboard

Enterprise — $19.99 per month per host

  • All Business features
  • Minimum 50 hosts
  • Up to 1,000 participants
  • Unlimited cloud storage
  • Dedicated customer support manager
  • Executive business reviews
  • Bundle discounts available for Zoom Rooms and webinars

As you can see, there is a plan for everyone. The free option is an excellent choice for an entrepreneur or freelancer who only needs to video chat once in a while for brief meetings.

Beyond personal use, you’ll need to upgrade to the Pro or Business plans to get the most out of Zoom Meetings. Fortunately, Zoom makes it easy for you to scale to another plan as your company grows.

Just be aware that your plan will impact the level of customer support you receive. To get premium support, you’ll need to upgrade.

Cisco Webex

cisco webex

Cisco is a brand name that’s synonymous with superior technology. So it should be no surprise that Cisco Webex ranks so highly on our list for video conferencing software.

With Webex, you can host massive virtual events with up to 100,000 participants and run an interactive webinar for 3,000-person audiences.

Cisco Webex is perfect if you need to run on-demand training lessons for large groups as well. This is a great tool for onboarding employees at scale throughout multiple locations.

The Webex mobile app is another standout feature of the platform. Hosting and joining meetings are both simple and accessible from anywhere.

Cisco Webex is built for teams. Arguably the best part about this video conferencing software is the cloud collaboration features. It’s easy to share files and screens with other meeting participants to stay organized and make the conference more interactive.

Cisco offers four different plans for you to choose from, including a basic free option.

Free — $0 per month

  • Up to 50 participants
  • 40 minute limit on meetings
  • Unlimited meetings
  • 1 GB of cloud storage

Starter — $16.95 per month per host

  • Up to 50 participants
  • Unlimited meeting duration
  • 5 GB of cloud storage
  • Recording transcriptions
  • User management
  • Application and file sharing

Plus — $22.95 per month per host

  • Up to 100 participants
  • Assign alternate hosts
  • Allow others to schedule meetings for the host
  • Customizable Webex URL
  • Admin portal
  • 24/7 customer support

Business — $32.95 per month per host

  • Up to 200 participants
  • 10 GB of cloud storage
  • Branding and custom options
  • Single sign-on
  • Active directory sync
  • Minimum five licenses per month

At first glance, the Cisco Webex prices appear to be higher than Zoom Meetings. However, you can save 20% per month with an annual contract.

It’s also worth noting that the Webex Plus plan doesn’t have any host minimums, and the business plan has just a five license minimum. Zoom has a 10 and 50 host minimum for their plans at similar price points.

So Cisco Webex will be a better option if you want those business or enterprise-level features for a smaller team.

Microsoft Teams

microsoft teams

Microsoft Teams is business a messaging solution with video capability offered by Microsoft. The platform is designed specifically for internal communication in the workplace.

With chat, audio, and video capabilities for group sizes of 10 or 10,000, Microsoft Teams is the ultimate in-house communication solution.

Slack is a direct competitor of Microsoft Teams. But Microsoft Teams shines with its superior technology and video conferencing features. However, the setup, usage, and onboarding are a bit more complex. So just be aware of that ahead of time.

Microsoft Teams is best when it’s accessed from a desktop device or web app. They do have a mobile application, but overall the web version is easier to navigate.

Here’s a quick overview of the plans and pricing:

  • Microsoft Teams — Free
  • Office 365 Business Premium — $12.50 per user per month
  • Office 365 E3 — $20 per user per month

Both paid plans are only available with an annual contract. The Free plan and entry-level paid plan both have a limit of 300 users, while the Office 365 E3 option is unlimited.

You’ll still have access to quite a bit of features with the free version, including video calls. But you’ll need Office 365 Business Premium to get the most out of this software.

Paid plans have 140+ app integrations, 1 TB of storage, scheduled meetings, meeting recordings, and administrative support.

The biggest downside of Microsoft Teams is that it’s limited. It’s not really a true video conferencing service. Instead, it’s better for one-on-one video meetings or smaller groups.

If you want to host large-scale video conferences and make presentations to clients, you should look elsewhere for a more suitable solution.

Zoho Meetings

zoho

Zoho Meetings is arguably the most straightforward video conferencing solution on the market today. Instead of overwhelming you with different features and pricing options, there is just one plan for video meetings.

Pricing is simple; it’s $10 per month per user, or $8 per month for an annual contract.

The plan comes with everything you need in a video conferencing service. However, it’s limited to just 100 participants per meeting and storage of up to 10 recordings.

This isn’t enterprise-grade software by any stretch of the imagination, but it’s an affordable and suitable choice for lots of small business owners.

Some of ZohoMeetings’ top features include:

  • RSVP scheduling
  • Screen sharing
  • Moderator controls
  • Embed meeting links
  • In-session chat
  • Lock meetings

You’ll also have the ability to switch a presenter, give someone control, and remove users from a video conference.

As expected, Zoho Meetings integrates seamlessly with Zoho CRM. So if you’re already using a Zoho product, this will be a top option for you to consider.

While Zoho Meetings isn’t the most extensive video conferencing service out there, it’s a high-quality solution for small business owners who just need basic features.

ClickMeeting

clickmeeting

ClickMeeting is a bit different compared to some of the other video conferencing services that we’ve reviewed so far. This platform has a specific standout—webinars.

It’s a great option for those of you who want to hold large online events, market your products with video demonstrations, and host online courses or training sessions with live video.

Of course, ClickMeeting does offer traditional video conferencing solutions for team meetings and business collaboration, but that’s all you need then I’d probably lean towards another option on our list.

Pricing for ClickMeeting is complicated. There are two plans, but the prices are based on how many webinar attendees you want to have.

Here’s an overview of those price points per month for each plan:

Live

  • Up to 25 — $30
  • Up to 50 — $45
  • Up to 100 — $79
  • Up to 200 — $149
  • Up to 500 — $179
  • Up to 1,000 — $309

Automated

  • Up to 25 — $45
  • Up to 50 — $55
  • Up to 100 — $95
  • Up to 200 — $179
  • Up to 500 — $229
  • Up to 1,000 — $359

For video conferences with more than 1,000 attendees, contact the ClickMeeting sales team for a custom enterprise solution.

You can try ClickMeeting free for 30 days and run webinars with up to 25 attendees to try it out. Save up to 20% off your with annual billing instead of a month-to-month contract.

The Automated plan is your best option for broadcasting professional video webinars. This plan comes with advanced features like auto-streaming to Facebook or YouTube, automated follow-up emails to attendees, Google Analytics integration, and certificates of attendance.

As you can see, ClickMeeting is definitely pricey compared to the other options on our list, which is why I wouldn’t recommend it for just basic video conferencing use. But the price is worth it if you’re planning to use the webinar features.

Join.me

joinme

Millions of people use Join.me for video conferencing. The platform offers solutions for individuals, teams, and businesses. From startups to Fortune 500 companies, Join.me is a popular choice.

The website boasts its best-known customers like like TOMS, Foursquare, OpenTable, and Pinterest.

Join.me is easy. The signup process is as quick as it gets. There’s no need to consult with a sales representative or get a custom quote. Just visit their website, and you can start a call in minutes.

To start a new video conference, simply invite others to “join” your meeting (hence the name). You can invite people via email or with a custom link.

With Join.me, you can customize the video conferencing background, customize the URL, and share your screen with just one click. You can invite people to your meeting even if they aren’t already using the Join.me platform.

Here’s an overview of the plans and pricing options:

Lite — $10 per month per user

  • Up to 5 participants per meeting
  • No video streams*
  • Unlimited meetings
  • No time limits
  • Personal link and custom background

Pro — $20 per month per user

  • Up to 250 participants per meeting
  • Up to 10 video streams
  • Recording capabilities
  • 50 GB of cloud storage
  • Meeting scheduling

Business — $30 per month per user

  • Up to 250 participants per meeting
  • 1 TB of cloud storage
  • Bulk user import
  • Feature permissions
  • Enterprise authentication
  • Salesforce integration

Unfortunately, the Lite plan doesn’t include video conferencing, so you can skip over that one. It’s also worth noting that all plans are offered with an annual contract only. Month-to-month plans are unavailable.

However, you can try Join.me free with a 14-day free trial.

Compared to other options on the list, Join.me is a bit limited in terms of meeting participants and the number of video streams per meeting. But it’s a fine option for those of you who won’t need more than ten simultaneous video streams per conference.

RingCentral Meetings

ringcentral

RingCentral is more than just a video conferencing platform. It’s also a VoIP business phone service.

With RingCentral, you can ditch your traditional business phone plan for a more modern solution. If you have the phone plan, you’ll get video conferencing features as an added bonus.

But you can always purchase RingCentral Meetings as a standalone product. For the purpose of this review, those are the plans that we’ll focus on.

Free — $0 per month

  • Up to 100 participants
  • Unlimited one on one meetings
  • 40-minute limit on group meetings

Essentials — $14.99 per month per user

  • Up to 100 participants
  • Unlimited group meetings
  • 24/7 phone support
  • 1,000 call minutes per license

Advanced — $19.99 per month per user

  • Up to 100 participants
  • 2,500 call minutes
  • Real-time usage dashboard
  • SLA available

The free plan is actually pretty decent if you compare it to others on the list. While you’re capped at 40 minutes per meeting, you can still have up to 100 participants.

At the same time, the paid plans are also limited to just 100 participants, which is low compared to the competition. However, you can add-on larger meeting options to your plan for an upcharge.

RingCentral also has great enterprise solutions. You’ll need to contact their sales team to get a custom quote. But you can save some money by bundling RingCentral Meetings with a VoIP business phone.

How to Find the Best Video Conferencing Services

Now that you’ve had a chance to review the top solutions on the market, how can you find the best option for your unique situation? This is the methodology that I used to come up with this guide.

I’ve identified each feature set that matters the most and why you need to take it into consideration when you’re evaluating prospective platforms.

Conference Size

Every video conferencing plan has some limit on the number of participants who can join a meeting. This can be as 25 or as high as 100,000.

Make sure you choose a service and plan that can accommodate the number of people you need for your video conferences. You don’t want to overpay for a plan that has participant limits that you’ll never reach. But more importantly, you don’t want to be in a situation where your participant list is too large for your platform and plan.

Video Streams

You might be able to have a large number of participants in a conference, but that doesn’t necessarily mean that every user will be able to broadcast a video stream.

For example, RingCentral plans have up to 100 participants per meeting, but limit you to just ten simultaneous video streams.

So don’t be swayed by the participant limits alone. Always check to see how many users can actually stream a video at the same time.

Collaboration Tools

Collaboration tools are crucial for groups and teams.

Features like screen sharing, built-in chat, file sharing, and cloud collaboration is very useful for presentations and group projects. It’s also helpful when a video conferencing service integrates with existing tools and platforms that you’re already using to run a business. You can look for features like Salesforce integration or Google Analytics integration.

Price

Obviously, the cost will play a roll in your decision-making process.

For the most part, video conferencing services are billed on a monthly basis per user. Prices typically fall in the $10 to $40 range per month per user for traditional video conferencing. However, you can pay significantly more than that for advanced features like video conference webinars. Solutions like ClickMeeting has plans starting at over $300 per month.

Conclusion

Take your virtual meetings to the next level with video conferencing software.

What’s the best video conference service on the market? The answer depends on who you ask and what you’re looking for. Here’s a quick recap of the platforms reviewed above.

  • GoToMeeting — Best video conferencing service for small business.
  • Zoom Meetings — Best video conferencing service for scalability.
  • Cisco Webex — Best video conferencing software for cloud collaboration.
  • Microsoft Teams — Best video conferencing software for internal communication.
  • Zoho Meetings — Affordable video conferencing service with basic features.
  • ClickMeeting — Best video conferencing software for webinars.
  • Join.me — Annual contract video conferencing plans for small meetings.
  • RingCentral — Best video conferencing service with VoIP business phone plans.

Based on this guide, I’m confident that you can find the best choice for your business. No matter how unique your situation might be, these options can accommodate your needs.



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Dear Penny: I’m a Broke Law Student. How Do I Catch up on Bills?

Dear B.,

You have two goals here: The first is simply to survive the next two months. The second is to avoid sinking further into debt next semester and beyond.

The first thing you should do on both counts is make a date with your school’s financial aid office ASAP.

Your school may have options that can get you the short-term help you need to survive the next couple months.

Some schools have emergency funds that give small, one-time grants to students dealing with unexpected expenses. It’s unlikely that these grants would cover $1,350 worth of bills, but they may provide some relief.

Schools also sometimes offer emergency loans to students. These will usually need to be repaid in a relatively short period, but if this is an option, it could buy you some time to catch up.

Your financial aid office may be able to help you with some longer-term fixes, as well.

While you can’t reapply for aid at this point, you may be able to get what’s called a professional review, where you ask the financial aid office for more money based on your circumstances, according to Leslie H. Tayne, a New York-based debt relief attorney who is founder and director of the Tayne Law Group

Keep in mind that a professional review is more likely to be granted after a life-altering event, like a death in the family, job loss or major illness, but it’s still worth a shot.

“Getting a professional review for these less extreme circumstances will be more difficult, but it’s certainly worth bringing the situation to the attention of the financial aid office,” Tayne said. “You’ll never know if they can do anything for you if you don’t ask. Be prepared for how you’re going to ask and bring supporting documentation to help make your case.”

Another solution may be taking out a private student loan. You can take one out midyear, although Tayne cautions that receiving the funds could take several weeks or more.

Yeah, I get that private student loans come with major downsides. But if you’re falling deeper into credit card debt and are just one unexpected bill away from disaster, there isn’t a perfect solution.

After you’ve explored your financial aid options, look at your budget for any areas you could cut back on. It doesn’t sound like there’s much fat to trim. But maybe you could go to a food pantry for groceries and take public transportation to save on gas.

Ultimately, you may need to use your credit card to stay afloat on bills while only making minimum payments for a couple months. That’s not something I say lightly. It’s also not something I’d suggest unless it’s the only option. But doing so need not doom you to long-term credit card debt.

Try maxing out the 20 hours you’re allowed to work and/or finding a job that pays more than the minimum wage. Find a paid internship or job during the summer. Put your extra earnings toward what you owe.

It sounds like you’re being appropriately cautious about taking on too much debt. But when you apply for aid next year, consider taking out a little more so you can withstand an emergency. Taking out a student loan doesn’t mean you need to spend it.

Stay focused on borrowing only what you need, even if that amount is a little more than you first anticipated. Then you can put your energies toward your No. 1 job, which is finishing law school.

Robin Hartill is a senior editor at The Penny Hoarder and the voice behind Dear Penny. Send your questions about debt to AskPenny@thepennyhoarder.com.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



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The Truth About Holiday Loans

Over the past few weeks, I’ve seen an abundance of offers for “holiday loans,” more than I recall seeing in previous years. Many credit unions and banks in my area are advertising these loans, pretty clearly targeting people who dream of a big holiday celebration that is beyond their current financial grasp.

Let’s dig into the ins and outs of these financial tools.

A “holiday loan” is a type of personal loan promoted during the holiday season.

A “holiday loan” simply means that a bank or other lending institution is giving you a personal loan. Its lending money without collateral, which means that there’s nothing it can repossess if you can’t pay it back, but with that comes a requirement for a credit check that shows that you have at least decent credit.

To get a “holiday loan,” you simply apply at a bank or credit union, either online or offline. It’ll check your credit history and if you have good credit, it’ll offer to lend you money now with a payment plan to be carried out in the coming year.

For example, you might be able to borrow $500 and have it in hand right now, but it may come with a payment plan that requires you to pay $75 a month for the following eight months. That adds up to $600 out of your pocket in the long run, of course, but it puts $500 in your hands right now.

There’s nothing really special about a “holiday loan” other than the time of the year that it’s marketed. It’s basically the same as a normal personal loan that you can get at a bank or credit union or other lending institution if you have good credit.

So why the special marketing?

People often take out “holiday loans” to get through expensive holiday seasons.

The reality is that the holiday season hits a lot of people right in the wallet, and quite hard. People love to give extravagant gifts during the holiday season because they want to make someone they love happy this time of the year, and it feels pretty good to have been the source of that joy. People also often need to travel this time of the year, and some people are dealing with extra expenses from hosting guests.

That adds up, especially when your means are limited, and thus lending institutions simply take their personal loan program and advertise it as a “holiday loan.”

There is a bit of a catch, however.

Holiday loans often have extra fees and high interest rates.

Although “holiday loans” at their core are just ordinary personal loans, banks realize that people often seek them out at high rates in December just to cover things like gifts and travel, so it often means extra fees and higher interest rates to “holiday loans” than to normal personal loans. You might be able to get a personal loan in July with minimal fees and a good interest rate, but in December you’ll be directed toward a “holiday loan” which comes with a fee or with a bit higher interest rate.

It’s supply and demand at work, and the holiday season increases the demand for personal loans. If lots of people are stopping by to urgently request a holiday loan to keep their holiday bills under control, then the banks can nudge up fees and interest rates a little because of the urgency and frequency of the requests.

Consider cutting back your holiday plans rather than going into debt for them.

In short, I feel that taking out a “holiday loan” in order to merely cover the expenses of a holiday celebration is a poor financial choice. Rather than putting yourself in that kind of financial hole, the first thing you should do is to look at cutting back on the expense of whatever you’re doing for the holidays.

For starters, remember that the thing that most people want for the holidays is time spent with people they love, not the perfect item under the tree. Yes, most of us like to open something during the holidays, but it doesn’t have to be the latest, most expensive item out there. Rather, aim for smaller and more meaningful gifts that don’t kill your wallet and send you into a spiral of debt and stress. You’re far better off giving a modest gift and actually being present in the moment than giving a big gift and being stressed out and distracted.

Another thing to remember is that you don’t have to travel for the holidays if it is a net negative for you. Simply skip the big trip this year and instead stay at home and celebrate locally. Alternatively, you might be able to find someone you can stay with at your destination rather than paying for lodging, or perhaps you can drive or borrow a car or take a bus or train to get there rather than flying.

You are far better off dialing down your holiday celebrations a little than grabbing a holiday loan.

Alternately, look for extra work during the holiday season.

Another approach for making a holiday loan more manageable is to simply earn a little extra income during the holiday season. Many retailers are looking for seasonal work this time of the year, plus there are always options like shoveling snow or doing odd jobs to raise a few extra bucks.

Yes, this might require a lot of schedule juggling to pull off, but it’s far better to pay for holiday expenses with money you earned and didn’t have to borrow. That way, there’s no loan payments looking you in the face come January and February.

Start putting aside a few dollars each week to avoid holiday loans next year.

Once the holidays are past, you might want to consider putting a few dollars aside each week for the holidays next year. Most of the same issues that nudged you toward considering a holiday loan this year are going to remain true next year.

If you simply put $5 a week aside in your sock drawer, you’ll have $250 next December. Make it a $10 bill and you’ll have $500 next December. Make it a $20 bill each week and you’ll have $1,000 next December.

Having that kind of cash set aside for the holiday season not only takes a lot of stress out of the season, but it can help you avoid going into debt while also allowing you to take care of the travel and the gifts and the other expenses you feel obligated to cover during the holidays.

If you still feel like you must get a holiday loan, shop around.

Even given these options and considerations, you may still feel like a holiday loan is the best option for you right now. If you feel that way, I strongly encourage you to shop around. Don’t just take out a holiday loan at the first lending institution you come across.

Instead, spend some time evaluating the holiday loan offers at various lending institutions in your town and choose the one with the lowest fees and interest rates. If the loan is small — small enough that you can pay it off in a few months — prioritize low fees. If you’re taking out a larger loan that may take you most of a year or more to pay off, prioritize interest rates (unless the fees are 10% or more of the value of the loan).

Try to borrow as little as you possibly can. You’re far better off trimming down your holiday spending a little or finding ways to come up with the money on your own than going into debt for holiday expenses, as noted earlier.

Also, when you do start repaying the debt, pay it off as fast as you can, even making extra payments if necessary. If you also have credit card debt, compare the interest rates and make extra payments on whichever has a higher interest rate.

You don’t need a loan to enjoy the holidays.

Keep that in mind if you’re considering a holiday loan. The season is really about people and family, not about fancy presents and rich meals. It’s about being in the moment with people you care about, and you don’t have to spend money to do that.

Only use a holiday loan if cutting back on your plans isn’t enough or you’re so tight that it’s the only option to avoid a holiday crisis.

Good luck!

The post The Truth About Holiday Loans appeared first on The Simple Dollar.



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HUGE List of Direct Sales Companies That Sell Jewelry

Do you love jewelry? Wish you could work-from-home? Would you like to have your own online jewelry store, but don’t have the funds to invest in an e-commerce website? No problem. The direct sales industry has made it easier than ever to have your very own home-based business within the fashion industry. Not only are […]

The post HUGE List of Direct Sales Companies That Sell Jewelry appeared first on The Work at Home Woman | Legit Work From Home Jobs.



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The Moneywise Personal Finance Quiz 2019 - test your knowledge!

The Moneywise Personal Finance Quiz 2019 - test your knowledge! The Moneywise Team Fri, 12/27/2019 - 10:54


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Five ways to beat the January financial blues

Five ways to beat the January financial blues

Refresh your finances after the Christmas hangover in January 2020.

Brean Horne Fri, 12/27/2019 - 10:14
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Around eight million people across the UK are expected to suffer from a financial hangover in January as a result of spending over Christmas.  

Here, we round up five ways to beat the January blues and get your finances on the right track.

1) Work out your financial goals

Working out your financial goals is an important first step towards getting your finances in order. 

Once you clarify exactly what you want to do, work out the best way to achieve it.

For example, if you’d like to build up a rainy day fund – put money away into a regular savings account.

Working out your financial goals gives you a chance to prioritise your money matters and prepare for expenses later down the line. 

This could be anything from hefty winter energy bills to holidays and getting ready for next Christmas.

2) Tackle your debt

If you've started the new year in the red, you're not alone.

Households across the UK have around £2,602 worth of credit card debt. And as a nation we pay £140m per day on credit card interest, according to the latest figures from The Money Charity. 

It's really important to make a plan to clear your debts as soon as possible. 

Generally speaking, you should start by clearing your most expensive debts first, which are most likely to be sitting on a credit card. 

A 0% balance transfer card could help you cut the cost of your credit card debt by shifting it to a card with a lower interest rate. 

If you'd like help with managing your debts charities like StepChange and the National Debtline offer free advice.

3) Boost your savings

If you’ve already built up a nest egg, make sure it’s earning the best return it can.

Interest rates have been notoriously lacklustre over the last few years so it’s worth doing a bit of digging to find an account that will help your money grow.

Check out our guides on the best savings rates and the best cash ISA rates to get an idea of the accounts that might help boost your savings in 2020. 

4) Switch your bank for a cash bonus

Most banks offer incentives for you to switch your main current account over to them. This could be anything from cash bonuses to gift vouchers. 

Switching your bank can be done easily online, via phone or in branch and takes around seven days to complete. 

We've rounded up three switching deals available right now in the table below. 

Bank Perk Deadline
TSB £50 + 3% interest 2 Jan 2019
M&S Bank £100 M&S gift card and £80 gift card after a year 6 Jan 2019
First direct £50 + £250 0% overdraft Ongoing

5) Get on top of your credit score

Taking control of your credit score can really help boost your finances.

Check your credit report and get any mistakes on your credit history corrected, as they could scupper your chances of getting a credit card, loan or mortgage in the future.

There are lots of simple steps that could help you improve your credit score, like registering to vote an always paying off your debts in full. 

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Five things to do with your unwanted Christmas presents

Five things to do with your unwanted Christmas presents

Around £5bn will be spent on unwanted Christmas presents, so here are some ideas for what to do with gifts you didn't want to get

Brean Horne Fri, 12/27/2019 - 10:10
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Half of us will receive at least one gift we don't want for Christmas this year, according to new data from Finder. 

But instead of letting them gather dust at the back of a cupboard, why not turn them into new found treasure?

We’ve rounded up five easy ways to make the most of your unwanted Christmas presents.

1) Exchange or return it

To exchange your present for something more suitable, you’ll need a receipt as proof of purchase.

Check to see if the buyer left a gift receipt with your present which you can use.

Otherwise, you’ll have to ask them directly if they wouldn’t mind taking it back to the shop on your behalf.

If the item was purchased online, then it’s up to the buyer to send it back to the retailer so it can be exchanged for something else or they can get a refund.

2) Sell it

There are a few options available if you’d like to try your hand at selling your unwanted Christmas present.

Online marketplaces such as eBay are a popular way of selling items. Be wary of seller fees though, which could eat into your overall profit.

Gumtree and Facebook Marketplace allow you to list and sell your items for free, but often require you to meet the buyer and make the sale in person.

You could also try listing your item on local websites or social media too.

3) Rent it out

Renting out your unwanted Christmas gift offers a nice alternative to selling it.

Websites like Fat Lama, borroclub and RentNotBuy allow you to set the rental price for your item and how long you’d like to rent it out for.

Items rented out on these sites include anything from clothes, bikes and cameras to games consoles, DJ equipment and power tools.

4) Re-gift it

Re-gifting your Christmas present is a great way to pass it on to someone that its more suited too.

As well as giving the gift another chance of making someone happy, you’ll also save money on buying presents too.

5) Donate it

Donating you’re your Christmas present can help you spread joy over the festive season and beyond.

If you donate your present to a charity shop, you can increase the value of your gift by claiming Gift Aid.

Gift Aid is a form of tax relief that allows charities to claim an additional 25p for every £1 donation at no extra cost.

Usually, Gift Aid doesn’t apply to items, however, if you ask the charity shop to sell the items on your behalf, they can apply it to the proceeds of the sale.

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Can I reclaim an £11,000 tax bill to boost my pension?

Can I reclaim an £11,000 tax bill to boost my pension?

My salary varies slightly from year to year (primarily due to bonus payments). Two years ago, I had one of my largest bonus payments, plus two sets of share options. This meant I earned £125,000 rather than my usual £80,000 in a tax year.

When I put in my self-assessment tax form, HMRC said I owed an additional £11,000 because I had gone over the £100,000 threshold and I had to repay my tax-free allowance. This was a huge shock, but I dipped into my savings and paid it.

I wonder if I should have put these bonuses into a pension? And is it too late? Can I retrospectively go back to HMRC and say I would like to put that extra £25,000 (over the threshold) into a pension and can I have my £11,000 back?

Patrick Connolly Fri, 12/27/2019 - 09:58
From
FM/Dundee

You should check the tax status of your share options. With share schemes such as ‘share incentive plans’, ‘Save As You Earn’ and  company share option plans, you may not have to pay income tax or national insurance on their value. However, you may be liable to capital gains tax if you sell the shares.

In terms of income tax calculations, most people benefit from a personal allowance, which is £12,500 in the current 2019/20 tax year and was £11,850 in the previous tax year. This is the amount of income they can receive before they become liable to pay income tax.

However, the personal allowance is reduced by £1 for every £2 that a person’s adjusted net income exceeds £100,000. This means that, in the current tax year, those with income of £125,000 or more will lose all of their personal allowance.

Your adjusted net income is the total income you receive minus deductions for loss relief and interest payments and minus the gross amount of pension contributions and gift aid donations that you make. Therefore, you can reduce your adjusted net income by making additional pension contributions.

In terms of pension contributions, you will be entitled to an annual allowance each year, with the standard rate currently being £40,000. This is the maximum amount that you can invest into pensions, subject to you having sufficient earnings, and benefit from tax relief on all of your contributions. You are also able to carry forward any unused annual allowances in the previous three tax years to increase the amount you can pay into a pension tax efficiently. 

However, while you can carry forward unused pension allowances, you cannot backdate pension contributions to offset your tax bill from previous years. This is a shame because you could have avoided a large tax bill had you acted sooner.

That said, the tax bill you have paid of £11,000 seems too high if it is simply based on you having annual earnings of £125,000. Maybe this additional bill is because of the share options, but you need to understand what is happening to ensure you have not paid too much tax now and that you don’t pay too much tax in the future.

What are share schemes?

Some companies offer their employees tax-efficient savings options, such as Save As You Earn (SAYE) or Share Incentive Plans (SIPs).

If your company offers SAYE, you can save up to £500 a month for however long the scheme lasts (usually three or five years). At the end of that period, you will receive a tax-free bonus added to your savings and the choice to take your nest egg or use it to buy shares in the company. SIPs give you the chance to buy or receive shares in the company you work for.

With shares bought via SAYE, you don’t pay income tax or national insurance contributions (NICs) on the profit you make – that is the difference between the price you pay for the shares, which was set at the beginning of the scheme and what they are actually worth when you buy them. But you could be liable for capital gains tax (CGT) when you sell. With SIP shares, you don’t pay income tax or NICs on them when you take them out of the plan – as long as they were in the scheme for five years. You also won’t pay CGT if you sell them while they are still in the SIP, but you might if you take them out of the SIP and then sell them.

Patrick Connolly, certified financial planner at Chase de Vere

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