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Is Your Information Safe on IRS-EIN-Tax-ID.com?

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With all of the latest technological advances in the world today, it can be difficult to fully trust an online site that your information will be completely safe. IRS-EIN takes pride in providing our clients with a safe and secure website in which they can apply and keep tabs on their Federal Tax ID Number without worrying whether or not their personal and business information will be stolen.

When you apply for a Tax ID number on our website through the online application process, you can rest assured that your information is one hundred percent protected. We know and understand how hard you have worked to get your business and career to this point, and we want to keep that information protected at all costs. We use the latest in online security advances to make sure your information isn’t going anywhere without your permission.

In addition to information security, we also block any promotional ads from appearing while you are using our website, and we make sure that your information is only used strictly for your Tax ID number and nothing else. We are always keeping tabs on our security measures and learning more about the newest forms of online security on a regular basis so that we can keep our client’s information completely secure at all times.

We want our clients to have zero doubt that they can trust us here at IRS-EIN-Tax-ID with their business information. We pride ourselves on our security measures and helping our clients apply and keep tabs on their federal tax ID numbers, all while feeling that their information is safe from hackers and thieves. Visit our website for more information on how we can help your business with all of your federal tax ID number needs now and in the future.

Emergency-Proof Your Family Budget

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In 2017, it was reported that 1 in 7 Australians has no savings at all. If a personal emergency were to occur, 2.6 million people in the country could not afford to cover the expense. For individuals and families who like to travel and explore, it is especially important to be prepared, as there are numerous expenses that could suddenly arise. Someone could get sick or break a bone. The family vehicle might break down. Any number of situations can occur that require the use of emergency funds. However, if you are part of the millions living paycheck to paycheck, you could be one minor emergency away from a bad financial situation.

Now is the time to ensure that your family’s financial picture is as solid as possible. Thankfully, no matter what your current situation may be, you can immediately begin to take actions that make your budget emergency-proof.

Have an emergency fund that you don’t touch

A recent report revealed that the average Australian saves $427 each month. If you find it difficult to put cash away, this is the first habit that you must build. Having adequate savings is the top way to ensure that you do not have to go into debt for emergency expenses. How much should you plan to save? While something is better than nothing to start, you should make plans to achieve a significant savings goal as quickly as possible. Experts recommend aiming to save at least 6 months of your income. This amount of cash will cover you for some of the most major expenses, and for extended periods of income loss.

Ensure that your credit score is in top shape

While it is ideal to have the cash to cover emergency expenses, you may be caught in a position where you do not have the necessary funds. Even the most financially responsible of individuals will find it incredibly challenging (if not impossible) to pay for large purchases (such as a new vehicle). In the event that financing is needed to accommodate an emergency expense, be sure that your credit score is in top shape. Taking the time to understand your finances and credit score can ensure that you get approved for needed financing, and ultimately save you thousands in interest. Is your credit not where you want it to be? In addition to building an emergency fund, make a plan to reduce and eventually pay off any outstanding debt. Always be sure to make your payment on time, and explore the possibility of lowering your current interest rate on credit cards and existing loans.

Maintain your property, vehicles, etc. to avoid emergency expenses

It is obviously impossible to prevent every emergency expense. However, being proactive in the maintenance of your property, vehicles, and other things you own can reduce the risk of a sudden expense. Create a schedule for yourself to be sure that nothing is missed. Take your car in for regular maintenance, such as oil changes and filter replacements. Have the heating and cooling system in your home routinely serviced. Do everything in your power to avoid the possibility of a preventable emergency expense.

For families who live an on-the-go lifestyle, it’s crucial to prepare for unexpected expenses. Make your budget emergency-proof by building a savings fund that you don’t touch, keep your credit score in top shape, and be proactive in avoiding sudden, preventable expenses. Spend more time enjoying life and less time worrying about what expenses await in the future.

Interesting Electric Car Facts That Will Make You Want to Buy One

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As electric cars steadily become more and more popular, the electric car vs gas car debate heats up. Check out these electric car facts that will make think!

Have you ever wondered what it would be like to use an electric car?

If you’re searching for a new car, an all-electric model might be just what you’re looking for. Over 48 million American households can meet their daily driving needs with an electric car.

Although electric cars aren’t entirely mainstream yet, the technology continues to improve. Drawbacks that turned potential owners away before–like a high cost, performance issues, long charge time, and limited range–are quickly fading away.

More and more manufacturers have been selling electric cars and sales have skyrocketed over the past few years. Electric vehicles offer a step up from the traditional gas-powered vehicle–like smooth acceleration, a quiet engine, and instant torque.

Electric cars aren’t just for the elite these days–anybody can own one. Some car companies are going as far to commit to converting to electric car only production in the near future. Even luxury car companies like Tesla are offering more affordable electric models for their customers.

Are electric vehicles poised to take over the industry? Check out these electric car facts that will make you want to run to your nearest dealership and get one for yourself.

Interesting Electric Car Facts

Electric cars are some of the most talked about vehicles in the automobile industry today. The market is booming–electric vehicles are behind the record-breaking number of new car registrations.

But as much as you might have heard about electric cars–how much do you actually know about them? Take a look at some of these facts about electric cars, and you can decide for yourself whether gas or electric cars are the future of the industry.

1) They’ve been around for a long time

Electric cars might be seen as an example of the changing industry in the 21st century, but did you know the first electric car was actually invented almost 200 years ago?

The first prototype was created in 1832, and in 1895 an inventor developed the first six-passenger electric car.

In New York City, all taxis were once electric vehicles. In the 1920s, the combustion engine and the expansion of U.S. highways led to the electric car becoming less desirable. Now, in the 21st century, they’re finally making a comeback.

2) They’re eerily quiet

One of the first things you’ll notice while driving an electric car is the silence.

Compared to a gas car, an electric car is virtually sound free. Even when pressing down on the accelerator, an electric car glides over the road with little engine related noise.

The silence has even made them dangerous around some pedestrians, who may not know the car is on and step in front of it while it’s in motion. In order to help, Nissan added a soft whining sound for all speeds below 20 miles per hour.

Driving an electric car means you won’t have engine noise competing with your music–and you can hear the sounds of nature or busy city life outside your car. With an electric vehicle, you can look forward to a future of peace, silence, and maybe even a song or two.

3) They’re a lot of fun to drive

Electric cars aren’t just good for the environment–they’re a lot of fun too. When you step on the accelerator, the car shoots forward almost instantly.

You can also use your brakes a lot less when driving an electric vehicle. Stepping on the brakes recaptures some energy to feed back into the battery. This helps you go farther without recharging and makes for an easier ride–all you have to do is lift your foot off the accelerator and the car will slow down by itself.

4) They put gas cars to shame

Never let it be said that electric cars pack less of a punch.

Electric vehicles take energy efficiency and engine power to a whole new level. They have extremely high torque power, which means that the pickup is fast.

In the electric car vs gas car debate, comfort is where the electric car rises above its competition. Riding in an electric vehicle is comfortable, smooth, and fast.

5) They have no exhaust

Unlike gas cars, electric cars don’t have any visible tailpipe exhaust. In fact, most vehicles don’t have a tailpipe at all.

With an electric car, you can actually see the difference that you’re making in the environment. By reducing gas emissions, you’re contributing to cleaner air and a reduced carbon footprint.

Regardless of how quickly electric cars develop, each new car bought and used is a good start to improving the environment and slowing down global warming.

6) They let you skip the gas station

Electric vehicles make refueling simple.

Instead of buying gas or changing the oil, all you have to do to recharge is plug into your charging station. Electric car charger installation in your home has never been easier–and you can recharge overnight before you go to work the next day.

Although charging at home is usually enough to get you where you need to go, there are over 5,000 charging stations across the country, and more are being built every day.

Up to 80% of battery energy in an electric car is transferred directly to engine power. In a gas car, only 14-26% of the battery energy is used.

7) They can actually save you money

When it comes to picking between gas or electric cars, the cost can be a big factor.

While the overall price of electric vehicles might still look expensive compared to gas-powered cars, it can actually save you a lot of money. Switching from gas to electric will be less expensive in the long run.

Electric cars can also save you money on maintenance–fewer moving parts mean fewer things that could break. You’ll only have to worry about changing out the battery, which lasts up to 15 years and usually comes with a warranty.

Owning an electric car can get you some perks too. Electric vehicle users are eligible for a tax credit up to $7,500, and some states offer bonus incentives.

The Bottom Line

While the electric car vs gas car debates still continues–these electric car facts might give you a little more insight on why electric cars are better suited for the rapidly changing technological world.

Whether you’re already planning on buying a new car or just looking around at your options, buying an electric car means planning for the future. You can make a difference for the environment–and get a smooth, affordable ride while you do it.

Your Ultimate Guide to No Credit Check Loans

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Do you need a personal loan, but your credit is bad? Check out this ultimate guide to no credit check loans and how to get one for yourself.

Do you have a bad credit history?

Are you worried that no one will give you a loan? Are you wondering if you are eligible for no credit check loans?

If you were nodding your head in agreement or saying yes to any of these questions, then you are reading the right post.

Getting a loan when you have a bad credit history can be tricky, but it’s not impossible.

Here are some tips that will help you to secure a loan as quickly as possible.

1. What Types Of No Credit Check Loans Can I Get?

In order to increase your chances of getting a loan when you have bad credit, you must know exactly what types of loans are available to you.

Knowing your options will help you to make an informed decision.

Here is a rundown of three of your best options, how they work and what they can offer you.

Payday Loans

These loans can be taken out online. They are also referred to as a cash advance or pay advance loan. Although they started out as loans that people would take out and pay off once they got paid, they have evolved.

Payday loans are no longer just associated with a borrower’s payday, since they can now be requested and paid off on days other than a payday.

The key features of these loans are:

  • Short term payback
  • Requires no security
  • Pays out small amounts

Lenders will usually not do much digging into your credit history for these loans. They usually just want proof that you have a job.

Payday loans are a great choice if you find yourself needing small amounts of cash for urgent needs.

Installment Loans

Installment loans are no credit check loans that offer larger amounts than a payday loan. These loans will give you a longer period to pay off what is owed.

This type of loan will suit you, if you have a large bill for home maintenance, medical bills, tuition fees or any sizable emergency expense.

The key features of this loan are:

  • longer payback times
  • Higher interest rates
  • large amounts to borrow

You will need to present proof that you have a steady income and you will also need to show that you have a valid checking account.

Line Of Credit Loans

Even if you have bad credit many lenders will give you a line of credit. A line of credit involves getting a set amount from which you can borrow at different times.

These are great no credit check loans because no payments will be due until you actually make a withdrawal from the line of credit.

Here are the key advantages of this type of loan:

  • Flexibility to use as you choose
  • Available whenever you need it
  • Ability to gauge interest rates based on how much you borrow

If you prove to your lender that you are responsible, it might even be possible to extend your line of credit, if the need arises.

2. How Can You Be Sure You Will Qualify For A Loan?

Now that you know the different types of loans that are available, you may be wondering if you can actually qualify for a loan.

Every lender is different but there are certain basic requirements that are necessary. Here is a look at the most common ones:

Age

You must be at least eighteen years of age in order to get a loan. It doesn’t matter which state you live in, you cannot get a loan if you are under eighteen years of age.

Employed

You must be employed. The minimum for some lenders is one month of employment.

However, don’t be surprised if there are lenders who refuse to give you a loan unless you have been working for six months or more. Every lender is different.

Checking Account

A checking account is necessary if you want your lenders to feel more secure about giving you one of their no credit check loans. They will need to know you can pay off your debts.

Citizenship

If you are not a citizen or at least a permanent resident of the United States, then it will be impossible to get the loan. This is one requirement that is legally binding and no legitimate lender can get around it.

Now that you know the basic requirements, the next best thing you can do in your quest for a no credit check loan is to shop around.

Look into the various options offered by each lender and create a list of your needs. Compare and contrast each offer with your most urgent needs.

This will help you to make the right choice.

3. What Fees Will I Have To Pay?

Now that you know about the types of no credit check loans and the requirements for each, you are probably wondering about fees.

These are the major fees that you should know about:

Establishment Fees

These fees are unavoidable and they usually take about twenty percent of the actual loan.

When you decide to borrow you should take this into consideration especially if you need a certain amount. Always factor in the removal of the establishment fees.

Accounting Fees

These fees may vary but you can look to pay at least four percent per month.

Government fees

This is a fixed amount that is paid. However, if you get lucky you might find a lender who pays this fee for you.

Default Fees

If you fail to repay the loan you will incur a penalty which usually means additional amounts will be added to what you owe.

Final Thoughts

Having a bad credit history can make it seem impossible to get a loan. If you desperately need the money, you may find yourself feeling extremely worried.

Fortunately, the options discussed here are easy to access. However, the most important thing you can do, if you have the time, is to compare the pros and the cons of taking the loan from each lender.

Make sure that you are doing what is best for you in the long run, no matter how pressing the need is. If you would like more advice on financial matters, check out our blog where we give you practical advice on how to make your money work for you.

Solving Family Financial Concerns

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Does your family need a complete financial health check?  Are the ever increasing expenses of modern living taking its toll on your family?  Statistics show that the US debt, which consists mainly of credit card balances was $953.3 billion as of May 2016. The average debt per household was reported to be $9,600.  However, there is a plus side to taking credit as larger expenses can be smoothed out that way.

Control finances and live family life to the full

Once you are enveloped in family life with all its ups and downs, often you are too busy to take on overtime or extra hours at work with a demanding young family at home to take care of.  One partner may be having some stay at home time to take care of the kids leaving the breadwinning to the other partner for a few years until the children are older but this will result in reduced total family income.  This situation can lead to financial stress but with a little planning you can ensure these years are kept special with new experiences and ventures including travel for you and your children.  This is where family bonds are strengthened and the childhood memories, that your kids will look back on fondly, are created.

Smooth out the peaks in family costs

The trick to happy family finances is to smooth out the outgoing costs of raising children, removing the peaks of expense.  A loan or sensible use of a credit card can be a really useful aid.  You will need to ensure you have an excellent credit rating to be able to take advantage of the best credit offers. However, if your credit is less than perfect you should look into how to fix bad credit for good.

Plan and budget for raising your children

At various stages in your children’s upbringing there will be peaks of expenses, for example with a predominantly pre-school age larger sized family childcare costs can be huge, especially if both parents work full-time.  Although keeping your career path on track by working full-time can reap positive benefits in a few years when your children have grown more independent and childcare is no longer relevant. In the teenage years there is often an expensive hobby/passion that your child has become very involved in e.g. gymnastics, playing musical instruments.  The extra income will come in handy at that time to cover additional costs.

By ensuring your finances are on track with proper planning in place you can focus on the important aspects of raising your children and family life together.  Parents should not be worrying about money when they have little ones to guide and nurture. Enjoy your special family times, worry free.

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!