The Psychology Of Liking On Facebook

Improve your marketing by gaining psychological insights into Facebook likes. Columnist Neil Patel explores five reasons why that simple click means so much to the human brain.

Please visit Marketing Land for the full article.

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Nearly half of homeowners consider home in retirement planning

Michael Trudeau

House made of money.jpg

A survey conducted by equity release provider more 2 life shows that homeowners are increasingly looking to their properties to plug the gap in their pensions.

A survey conducted by equity release provider more 2 life shows that homeowners are increasingly looking to their properties to plug the gap in their pensions.

Nearly half of homeowners consider home in retirement planning

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A survey conducted by equity release provider more 2 life shows that homeowners are increasingly looking to their properties to plug the gap in their pensions. The firm claims that research among homeowners aged 55 to 64 shows 'strong support' for using property to fund their retirement, while more than half (51%) of younger homeowners aged 45 to 54 regard their property wealth as part of their retirement planning. According to more 2 life just 17% of homeowners aged over 45 would not consider accessing their property wealth to boost retirement planning. The firm says nearly 60% of those respondents aged 65 and over indicated that they would like to see more specialised borrowing products designed for retired people. Growing demand Dave Harris, managing director or more 2 life, comments: "Pension freedoms have put property wealth at the heart of retirement planning by increasing flexibility over how savers can access their cash. "There is a very clear and growing demand to access home property wealth across the UK. There are lots of people in the UK whose retirement will be transformed and their tax bills potentially reduced if they looked at their pension and property assets together." Harris refers to the fact that because they are drawn as a loan against the value of a home, funds garnered through equity release are not subject to income tax, in contrast to pension withdrawals. However, the 'roll up' nature of the interest charged for an equity release 'lifetime mortgage' may mean that retirees pay more in interest than they would through income tax on pension income. Moreover, those who choose to sell only a proportion of their home in return for a lump sum through home reversion will realise only between 20 and 60% of its market value. Annuities dwindle Separate research published by the financial adviser network unbiased.co.uk also shows that fewer and fewer retirees are looking to annuities to fund their retirement, following new pension freedoms that came into force in April. The firm claims that fewer than one in five retirees now intend to opt for the traditional annuity to fund their pension, as the rates on offer have become less and less competitive as a result of historically low interest rates caused by the Bank of England's £375 billion quantitative easing programme. The research suggests that one in three people now plan to withdraw their entire pension pot and either reinvest or spend it. This is despite the tax implications, with any funds withdrawn from a pension beyond the 25% tax-free cash lump sum charged at a taxpayer's marginal rate (20%, 40% or 45%). Commenting on the research, Karen Barrett, chief executive of unbiased.co.uk, says: "There is no denying that the retirement landscape has changed, and what was previously a straightforward transition is now fraught with new questions. "What's clear from the research is that many people are seeing only part of the picture - they are so keen on the idea of a big lump sum and full control that they forget to think about things like tax, and what happens if their pension pot runs out."

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Bigcommerce Launches Tool To Streamline Creation Of Facebook & Twitter Ads

43% of small and medium online retailers would like help improving ROI for social ads, according to Bigcommerce. Company believes new tool will do that.

Please visit Marketing Land for the full article.

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[Study] 2015 Search Engine Ranking Factors Released By Moz

A new study from Moz combines data from 150 industry leaders and gives us a look at the search ranking factors that matter in 2015.

Please visit Marketing Land for the full article.

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Hackers make $100m by stealing press releases

THIS is the international scam that landed hackers and traders $US100 million in illicit profits. Now it’s been cracked wide open.

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Work at Home Style – The cabi Fall Collection & Career Opportunity

By Holly Reisem Hanna While I love summer and the relaxed days it brings, fall is always a welcomed time of year. With the reemergence of cooler weather, pumpkin spice lattes, fall boots, and of course cabi’s new fall collection — it’s one of my favorite times of year. In fact, when I opened up […]

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How to Save Money With Verizon’s New Cell Phone Plans

You’re about to get a few new options when it comes to cell phone plans.

Starting August 13, Verizon is switching from annual contracts to month-to-month plans, which could help you save a significant amount of money.

What Does This Mean for You?

The new system is meant to help simplify cell phone service, to make it more like buying a toaster than a car. You see what you need, select the features you want and pay a price that isn’t mysterious.

What this means for you depends on how you use your phone, so let’s dive into the details.

The Good Parts of Verizon’s New System

You won’t be locked into a two-year contract, so if you find a better deal or a carrier that better meets your needs, you can switch anytime.

You’ll have the freedom and flexibility to shop around and select the best carrier and plan for your situation. The new plans also have no down payments or activation fees.

The Bad Parts of Verizon’s New System

Heavily subsidized phone upgrades will become a thing of the past. You won’t be able to walk into a Verizon store and plunk down $200 for a shiny new iPhone — you’ll have to pay full price for your upgrades.

Why Verizon is Making the Switch

Verizon isn’t the only major carrier to move away from annual contract models. T-Mobile stopped offering annual contracts in 2013, and AT&T started phasing out their two-year contracts in June.

Contract-less phones are becoming popular among consumers; two-thirds of AT&T customers now select the no-contract option, CNN Money reported.

What Plans are Available?

If you’re a Verizon customer, you can keep your current plan or select one of the new options. New customers, however, are limited to the new plans, which charge separate fees for device access and data, talk and text.

Here’s a breakdown of the costs to get unlimited talk and text along with different amounts of data:

• $30 a month for 1GB of data
• $45 a month for 3GB of data
• $60 a month for 6GB of data
• $80 a month for 12GB of data

All that data doesn’t have to be just for one person, though.

You can share your data plan with others and connect up to 10 devices, but you’ll have to pay a separate monthly fee for each one. This fee ranges from a $5 charge for smart watches to $10 a month for Jetpack mobile hotspots or tablets, and $20 per month per smartphone.

If you’re not sure whether it’s cheaper to switch from your old plan to one of the new plans, it might make sense to keep your current plan for a while. You can switch to the new ones anytime, but you can’t switch back to the old one if you don’t like your new plan.

What Happens When I Want to Upgrade My Phone?

For years, if you were eligible for an upgrade, you simply had to walk into a store or go online to select a new phone. You could just sign up for a new two-year contract and receive the phone at a heavily subsidized rate.

Under the old system, even a brand-new iPhone 6 could be yours for $200 and signing on the dotted line for two more years with the carrier. The same phone costs $649 when it’s contract-free and unlocked, or not tied to a particular carrier.

On August 13, this option will become a thing of the past. Now, you’ll either need to pay the full cost of the device up front, or commit to a monthly installment plan over a two-year period. However, the latter option requires its own two-year commitment, which makes it hard to switch providers and might defeat the purpose of going with a monthly plan.

So which option is a better deal?

How to Save the Most Money With Verizon’s New Plans

The best way to save is to hang on to your old phone and purchase a large data plan (assuming you need the data, of course), according to CNN Money.

A customer who uses 12 GB of data each month with one smartphone on the account would pay $140 per month under the old system. But the new plan would cost just $80 for the same 12 GB of data, plus $20 for the smartphone access. That’s a savings of $40 per month, or $480 per year.

How else can you save with this new system?

Get a New Phone Today

If you’re eligible for a Verizon upgrade and you want a new phone, get your upgrade by Wednesday to take advantage of the subsidy.

Keep Your Phone

If you’re paying upfront for the cost of a phone (or spreading out the cost over two years), it makes the most sense to hang onto your phone longer.

Shop for Used Phones

When it comes time to swap out your smartphone, buy an unlocked used phone rather than splurging on a new one.

Consider an Android

Android phones tend to be less expensive than iPhones. Compare prices and features before you buy to find out what saves you the most money.

Keep an Eye on Your Data Use

Since these new plans are month-to-month, you can switch every month if you want to. Watch how much data you use and make sure to get enough (or you could face overage charges), but not more than you need.

What Other Ways Can You Save?

No doubt, some customers will find the best way to save is to leave Verizon and other major carriers altogether. You have a number of other options to save, including:

Select a Low-Cost Carrier

Consider migrating to a prepaid low-cost carrier, such as Cricket, that could save you money.

Cricket’s prepaid service comes with a basic plan for $40 per month for 500 MB of data to a pro plan at $60 each month (for 5 GB of data). Republic Wireless and Freedom Pop offer other options for saving.

Ditch the Data

Get rid of your data plan altogether and save up to $1,400 a year by using free Wifi for your connectivity needs.

Your Turn: What do you think of these new Verizon plans? Will you make the switch?

Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming.

The post How to Save Money With Verizon’s New Cell Phone Plans appeared first on The Penny Hoarder.

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Help us get this burger to Australia

AUSTRALIANS devour tens of millions of hamburgers each year, and we’re still hungry. It’s about time this iconic burger brand made its way Down Under.

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Paper planes take flight — VIDEO

McCarran International Airport's third annual Paper Plane Palooza brought more than 70 children from local Boys & Girls Clubs to the airport on Tuesday.

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One Day Only! Use This Link to Get a Free 500 Swagbucks

Wow! This is an amazing promo.

I’ll never pass up an opportunity to get some free Swagbucks. If you’re not familiar with them, click here to read our beginner’s guide.

Here’s how today’s promotion works:

1. Head over to this Swagbucks promotion page to see the Visa Checkout Offer details (this must be done on August 12th – it’s only a one day promotion).

As you probably know, Visa Checkout is a digital payment service designed to make shopping online more secure.

2. Link a Visa credit or debit card to your Visa Checkout account and enter your shipping information.

3. Once completed you’ll earn 500 Swagbucks. You don’t even need to make a purchase. Woo-hoo!

This is a US only offer.  This offer is only available for one day (it begins at 12 AM PST on August 12th and end at 11:59 PM PST on August 12th). It can only be completed once per user. The credit can take up to one business day.

Good luck Penny Hoarders!

The post One Day Only! Use This Link to Get a Free 500 Swagbucks appeared first on The Penny Hoarder.

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Australia’s future titans of the tech industry

SOME of them are still teenagers while the oldest is just 22-years-old. These are the whiz kids poised to be Australia’s next Mark Zuckerbergs.

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7 ways to travel like a millionaire — on a budget

Champagne wishes and caviar dreams might seem out of reach for travelers on a beer-and-burger budget. But with a little research and planning, a vacation filled with private jets and luxury accommodations doesn't have to be a far-fetched fantasy. If you'd like to vacation like a millionaire without refinancing your mortgage or sabotaging your credit score, try these seven travel tips to add a little grandeur to your next getaway.

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Coke’s ‘desperate’ bid to stop its demise

SOFT drink has been blamed for our worldwide obesity epidemic, but now Coke is coaxing scientists to say it’s not responsible. Should we trust its claims?

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First Sav-a-Lot stores slated for Nevada

Discount supermarket chain Sav-A-Lot is trying to take a bite out of the Las Vegas grocery store market by opening the first of three new stores this week.

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Allegiant Air opens new training facility

Allegiant Air has opened a state-of-the-art training facility in Las Vegas and has begun work there with its first class of pilots and flight attendants.

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Officials OK funds for aviation forum, foresee more Las Vegas traffic

The last time Las Vegas hosted a Routes event, the number of airline seats coming into McCarran International Airport expanded by 17 percent. On Tuesday, the Las Vegas Convention and Visitors Authority board of directors approved spending $490,000 to host the Routes Americas Development Forum in February 2017.

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‘Act like a lady, think like a man’

SOMETIMES the mind just boggles. Pen company Bic has been slammed for running a sexist advert that completely missed the mark.

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Smoking ban hammers Harrah's New Orleans more than any storm surge

urricane Katrina couldn't crush the spirit of Harrah's New Orleans 10 years ago. The aftermath of the massive storm shuttered the property near the Mississippi River and entrance to the famous French Quarter for just six months while the city recovered, reopening for Mardi Gras in February 2006.

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Finance news you need to know

THE Commonwealth Bank has reported a five per cent rise in full-year net profit to a record $9.063 billion, while CBA shares went into a trading halt as it announced a $5 billion capital-raising.

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Station Casinos reports rise in net revenue, cash flow growth

Las Vegas' robust economy has treated Station Casinos well. The locals casino company reported a 4 percent increase in net revenue over last year and its 17th straight quarter for growth in earnings before interest, income tax, depreciation, amortization and management fees for the second quarter that ended June 30.

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