Upcoming Coupons for 2017

When 2017 rolls around, it is time to start thinking about how much you can save while online shopping. MyFavDeals has the best promo codes on the internet. Coupons for everything from vape pens to vitamins. And the upcoming coupons for 2017 will cover even more stores and products.

Once we get into the new year, it is time to start thinking about a new beach chair. You know your old one is super sandy and very musty from spending the whole winter in the back of the garage. This coupon site has great deals on stuff from EverywhereChair.com. The beach chairs, director chairs, quad chairs and backpack chairs. Are you going to a bunch of baseball games in 2017? Make sure you have the best tailgating chairs and stadium inserts in the world.

It is super easy to use www.myfavdeals.com. Just to the homepage and you can start by browsing through featured coupons, which will include incredible upcoming coupons for 2017. You can also peruse the product reviews sections which will give you the lowdown on the best TVs, computers, kitchen mops, vacuum cleaners and pretty much anything that you can think of.

The mission of the site is to help people save as much money as possible, while offering products and services that the moderators have used and enjoyed themselves. The team gathers the best coupons, promo codes and discounts that they can find, so they can help regular people save tons of money and tons of time researching for the most effective online coupons.

No matter what kind of product you are looking for, you will find a discount for in on www.myfavdeals.com. And the list of upcoming coupons for 2017 is stellar. Every kind of product is available. Laptops, furniture, light fixtures and even all the products featured on Shark Tank. The team at MyFavDeals has it all.

And the site has its very own blog, which breaks down great products and things you can do with them. There are posts for every kind of shopper.

When you start searching for upcoming coupons for 2017 during this December, make sure to check out www.myfavdeals.com. You will be sure to find what you are looking for.

Yes, You Can: Actually Save Money Using Your Credit Card

If you believe using a credit card is nothing more than an expensive exercise, it is probably time for a rethink, as there are a number of ways you can come out on top when you use your card instead of cash.

Not convinced?

Here is a look at the positives attached to using a credit card you might not have even thought about, as well as the extent of some of the credit card benefits you may not have realized you could get.

No Scissors and Coupons Required: You Can Save Cash with Cards

There is a fair chance that you are one of those people who quite happily cuts out a coupon to use at your local store or restaurant, as it seems that well over 80 percent of us are noted to be occasional to regular coupon users.

That stands to reason, as most of us are not likely to turn down the chance to get some money off, or maybe even a free gift. The same mentality can also be applied to using your credit card, as there are literally hundreds of card-linked offers out there that you can take advantage of nowadays.

Sites like Upgraded Points specialize in hunting down enticing credit card offers. Reward schemes like cash back, unlimited purchase discounts and cash back rewards are the kind of deals that card issuers are offering. Other cards offer discounts at certain participating restaurants and gas stations, while others offer free flights or hotels.

If you use coupons to get money off, or like getting something for nothing or for little effort, it makes sense to use your credit card to unlock some of these rewards, unless you are happy missing out.

It is also worth pointing out that it is a lot less hassle to get your hands on credit card rewards, as you don’t have to cut any coupons out, and there are no codes to scan. Once you have signed up for a rewards scheme, just pay with your card and the rest will happen automatically.

Even More Savings: You Can Get Some of Your Money Back

Cash back deals are always worth looking out for and this is a prime example of how using your credit card could actually save you money.

If you see a cash back program being offered with your credit card, it is always worth signing up for the program, as you could get some of your hard-earned cash back to spend again in another way. You get rewarded just for using your credit card when you pay for your groceries or almost anything else you use your card for on a regular basis.

Although many of these schemes offer you cash back, as the description implies, this can also be offered to you as discounts, travel vouchers, hotel and travel rewards, and plenty of other ways to spend what is effectively “free” money from the card company.

Getting a percentage of the cash back that you had to spend anyway is a real no-brainer and a persuasive reason to use your credit card, so that you get the maximum benefit from your cash spending.

Retail Reality Check: You Get Easier Returns

There is almost nothing more frustrating than purchasing an item that doesn’t turn out to be right for you or just not what you expected it to be. In reality, there is one thing more frustrating than that: when you discover the retailer is not playing ball and won’t accept a return for whatever reason.

If you can’t get your money back, or only get offered a store credit, which you probably don’t want, that can turn out to be a costly experience. If you paid for the item using your credit card; however, it makes it easier for you to get your money back and cancel the transaction.

If something is faulty, not as described, or there are other viable reasons you don’t want to keep what you’ve purchased, the extra layer of consumer protection you get when you pay by credit card gives you more options than if you paid by cash or debit card.

There are certain rules and limits relating to cancelling a card transaction, but they are normally far more generous than other methods of payments. Using your credit card could save you money in this scenario, as you are less likely to get stuck with something you don’t want or are unhappy with in the end.

It is fair to say that saving money isn’t the first feature that springs to most people’s minds when talking about credit cards, but when you look into what they offer, there is actually a good chance your card could do just that. Start by finding out what your credit card provider offers, so you can take advantage of the benefits using your card could bring.

About Erin Bradshaw

Erin Bradshaw knows from experience how credit cards can be the root of all evil, but now almost debt free she can also see their positive sides. She writes about a range of personal finance matters in her online articles as she shares her own views, experiences and tips for managing your money better.

Urgent environmental action needed by Obama before Trump enters the White House.

The US election results are in and Donald J. Trump is the president-elect. It should be a time of jubilation in the United States, however his win is shrouded in darkness and uncertainty due to the ludicrous claims that he made on his campaign trail. Race, sex, ideology and science have all been in the firing line and with his ascension to the White House; his pulse is on a trigger that could send the world into an uncertain era.

Advocates for combating climate change and preserving the planet through sustainable initiatives are appalled at his election due to his dismissal of climate change.

Current US President Obama has taken significant action towards combating global warming and climate change. With less than three months left of his tenure, any environmental plans need to be put in motion. During the presidential race, Trump was vocal about unraveling everything that President Obama has done; with Obamacare being one of the first things in line, but environmental projects won’t be too far behind.

Steps towards using renewable energy are unlikely to go forward with a Trump presidency.

Despite President Obama’s initiative to rollout wind and solar energy, Donald Trump attacked him and his administration for proposing an inefficient solution. Donald Trump explained in one interview that while he was fond of the idea of solar power being used as a renewable energy source, the products that were being proposed weren’t economical and that people wouldn’t buy into them.

He was right in this case. The same thing happened with the rollout of LED light technology. Even though the lights have been around for more than 20 years, it’s only when they reached a price point where consumers would be able to see the financial savings payoff for the light bulbs after a few years that the popularity of LED lights started to take off. Donald Trump knows that a similar solution is needed, but at the moment, no formal solution has been proposed.

Another statement that he made that has environmentalists on the edge is that wind farms did more destruction to the environment than the current power sources such as coal and oil. His claims were unsubstantiated, but since he will be in power from 2017 it is likely that coal and oil power companies will receive a ‘Presidential Pardon’ for their carbon emissions and their impact on the environment.

The Paris Agreement could be torn to shreds.

Donald Trump bragged during his campaign about his ability to get the USA a good deal. And the environmental deal with the rest of the world in the form of the Paris Agreement was not a good one and he would get the US out of it!

The Paris Agreement was the world’s biggest chance for combating climate change by getting governments to reduce their economy’s carbon emissions and invest in sustainable technology that would help the environment. Even though over 190 countries ratified the agreement, the US is one of the leading culprits of carbon emissions along with China, Russia and India. Without US involvement, the agreement would be rendered useless.

President Obama can put laws and actions in place that can lay the essential groundwork for proactive sustainable measures that Donald Trump can build on. At the same time, those measures need to be difficult to unravel and Donald Trump’s motive towards sustainability to change.

Why do plastics continue to threaten our aquatic ecosystems?

Plastics are like a double-edged sword. They have contributed to amazing improvements in preservation and manufacturing, however it has come at a significant cost to the environment. There are serious concerns for these plastics ending up in landfill and our aquatic ecosystem. In a way, most people are either unaware or turn a blind eye to how much plastics that end up in aquatic ecosystems affect people’s quality of life, health and wellbeing. There are countries such as Australia and Japan which have promising systems in place, but in places like India and China whose countries contain 1/3rd of the world’s population; plastics still cause significant issues to their aquatic environments which will lead to water shortages in the future that will affect wildlife and humans.

In Southern China, millions of residents have been affected by e-waste plastics that have contaminated their water source with toxic chemicals such as mercury, lead, bisphenol A, copper and zinc which can cause neurological diseases and cancer. The towns that are affected need to have their drinking and irrigation water brought in from nearby towns because the local water is too polluted to consume.

People need to prevent plastics from ending up in aquatic ecosystems.

Firstly, it is important that plastics are disposed correctly at the end of their life cycle. This means sorting the plastics into categories so that they will distributed and processed at the right recycling centres. The world can learn from the small Japanese town of Kamikatsu, whose authorities are striving to create a zero waste economy and minimises the threat of plastics going to landfill and ending up in waterways. The townsfolk need to sort their waste into 34 categories so that items can be distributed to the correct recycling facilities.

Secondly, plastics can enter the aquatic environment during the supply chain. This was evident when cargo containers full of ink cartridges fell off a cargo ship and lay on the seabed for over a year. Then reports started to surface saying that its contents started to wash up on the coastal shores of Britain, Spain, Portugal and France. Not only did it affect the ecosystem of different countries coastlines, but it also contributed to the growth of plastic islands in the ocean, as can be seen in the video below.

The threat comes from some of the plastics, which contain toxins and absorb organic pollutants from the seawater. Small sea life such as jellyfish will consume the toxic plastics and will then be eaten by bigger fish, which are then eaten by humans. The result is that humans end up consuming these toxic chemicals. A Greenpeace report cites 267 species of marine life being affected by plastics in general.

One of the ways the marine ecosystem is being affected is from the loss of cargo at sea.
It’s common for cargo spills to happen and product manufacturers and distributors do make efforts to prevent these disasters from happening. However,when these issues occur, it’s usually left to beachcombers and conservation groups to do the clean-up.

Thirdly, it’s important that any water that is used for washing or processing plastic uses the right drainage to prevent any toxins or residues that may have contaminated the water to flow into waterways that affect the ecosystem. It’s important that any sewerage water flows to water treatment plants so that the water can be recycled and used for non-drinking purposes such as irrigation.

There are specific schemes that can be implemented such as a cartridge recycling scheme for printer and ink cartridges. Businesses and residents can sort their cartridges into satchels or boxes and then send it to the right recyclers for processing.

It’s time for the citizens of the world to become more responsible when it comes to plastic in our aquatic ecosystems. Governments need to put more pressure on residents and businesses to dispose their plastics through the correct recycling distribution channels. Furthermore, organisations need to improve their response to clean-up efforts should plastics end up in aquatic ecosystems before reaching the end of their supply chain.

Crowdfunding campaign “RELAXFAIR”: Sustainable & fair lounges from Germany

Under the headline “Relax For a Better World” the German company RELAXFAIR developed a lounge that is 100% recycled and produced by well-paid seamstresses in Germany. The lounge is sold via the crowdfunding platform Indiegogo and only after 24 hours the project hit their 20% milestone.

Sustainability surrounds us everywhere: You can wear clothes out of organic cotton, eat wholefood products or live in an energy-efficient house. But sustainable and fair produced furniture is still rare today. RELAXFAIR was founded to also let our furniture be sustainable.

Since many years the number of employees working in western textile and clothing industries is reducing. For example in Germany over 185.000 people were working in this branch in the year 2000 – 2014 this number shrank to 77.800 workers. These numbers show how much the German textile branch has to fight against the cheap competitors from China and Bangladesh. Since at least the building of Rana Plaza collapsed in Bangladesh 2013, the consuming majority in the western world is aware that the local workers suffer a lot under the low prices for clothing and textile products. Lately, more and more social companies and startups are trying to build a contrast program to mass production in developing countries. An example for this gives the startup RELAXFAIR from Heidelberg in Germany, which wants to realize sustainable and fair produced furniture.

RELAXFAIR has the vision to combine sustainability, fair working conditions and social commitment. To be precise, the company has developed a lounge, which is 100% recycled and is being produced in Germany under fair working conditions. Furthermore, 20% of their annual profits are being donated to social and green organizations. Their motto: “Relax for a better world”.

The lounge comes in two versions. The covering of the indoor version is made out of highly comfortable and recycled cotton and polyester, which provides both modern style and comfort. The outdoor version is optimized to relax outside. The fabric is a recycled nylon and therefore it is tear proof, dirt- and water-repellent. All lounges have an innovative two-chamber filling system, e two parts are filled with a mix of recycled polystyrene and sustainable foam flakes. Therefore you are able to remove the outer shell and wash it.

Currently RELAXFAIR is available in a crowdfunding campaign on the internet platform Indiegogo.com. The idea of crowdfunding is, that people who like the vision or the product can contribute to these projects and support them. This can start with 5$ and end with the purchase of the final product. The goal of the campaign is to reach 10.000$. “For us it is important to pursue our vision of sustainable and fair furniture together with our community. Only together we can succeed to set a new trend in the industry“ the founders say. In addition to the lounge it is possible to purchase the suitable ottoman, as well as the RELAXFAIR chair pads. After only 24 hours the campaign reached their 20% milestone.

If you like to support RELAXFAIR and the vision of a sustainable furniture industry, you are able to get the RELAXFAIR products as a special offer only until November 14th 2016 HERE (https://www.indiegogo.com/projects/relaxfair-the-world-s-fairest-greenest-lounge-furniture#/)

How to Save Money on your Heating Bill

As the nights get colder and the days get shorter it’s tempting to fire up the heating. The only problem is it can become extremely expensive. New research from prepaid MasterCard company icount.co.uk shows that over 300,000 people in the UK report having used a credit card to pay for their utility bills.

But don’t worry, we’ve spoken to the budgeting experts over at icount and asked them to share some of the best ways you can maximise your heating, without having to turn the dial every evening.

Make sure you seal your windows

Windows should be latched. If the outside temperature is higher than the inside temperature during the day, then keep them open when you are in the house. You may want to invest in some removable window caulk, or better yet some plastic to seal them. At the very least, use a towel or another material to cover any noticeable gaps

Hang thick, lined curtains

If you are debating whether to get blinds or curtains this winter, opt for the curtains. This will help block heavy drafts more efficiently. Open them when the sun is shining and draw them when it starts to go dark and the temperature drops

Seal your doors and windows thoroughly

Check all of your doors and windows for draughts, as well as your door frames. If you do discover a draught coming through any gaps, there are inexpensive solutions such as draught excluders or a door sweep. Again, if these aren’t an option, then perhaps consider blocking the gaps with a towel or another material.

Let it Shine

Despite sub-zero temperature outside, sun rays will still add some heat to your home. This is absolutely free of charge, so make good use of them. Open up your curtains during the day and trim any tree branches or things that may block out the sunlight.

Lock down any unused rooms.

A closed door can act as another barrier between you and the chilly outdoors. It also prevents the air from circulating around the house, which reduces heat loss.

Rugs, Carpets and Soft Furnishings

Laying down a couple of rugs is a cost effective and long lasting way to prevent heat loss through the floor, especially if you have laminate or wood flooring.  If you hate the feeling of a cold wood floor in the morning, this will offer a more pleasant surface to walk on.

Candles

Candles are another fantastic way to help keep your home warm at a minimal cost. Just be careful where you place them and obviously don’t leave them unattended. Just head to any local supermarket and pick up a packet for a small cost.

Use incandescent light bulbs.

The beauty of incandescent light bulbs are that they release up to 95% of its energy as heat, only sacrificing a small bit of light in the process. This makes it an extremely efficient heat source if you are looking to cut back on bills.

Dress for the Weather

There is a widespread belief that people lose most of their body heat from their head. Although your face certainly feels the cold weather the most, heat escapes from all over your body. A nice woolly hat, a thick dressing gown, or even a onesie are good friends in times like this.

Warm Drinks

A nice hot drink will not only increase the body temperature but will also help you relax. If you have flask handy, boil up as much water as the flask needs so you don’t have to keep using more energy

Electric blanket

These handy devices will keep you warm during cold evenings as you sleep, whilst at the same time proving a lot more economical than an expensive boiler.

Manage your money

These above tips can be very useful for a short term emergency, such as a blackout or trying to cut back on costs a little. But never leave yourself in the cold!

Android Trading – XTrade Informational

Be thankful for the digital age. We no longer need to be confined to our laptop’s or PC’s to become online traders. XTrade, like many other cutting edge online trading platforms, now make full use of the Android app market. By offering mobile apps to their clients, platforms open up a whole new world, that allows traders quick and easily access the Forex and commodities market. Trades can be placed and managed on the go through a simple, intuitive interface, which are designed from the ground up to function beautifully on android devices.

From its conception, the Android phone was designed for multiple functions and is widely known for being user friendly. It didn’t take long before online trading platforms such as XTrade saw the potential and took full advantage of this sophisticated device.

Why should you download Trading apps?

Primarily I would say for the ease of access. Whether you are constantly on the go, or have multiple financial interests to manage throughout the day; a trading app is the perfect financial instrument for you. Downloading is simple and logging in just as easy as you are used to online. Once you have your app, I doubt you will be able to work without it. Pretty soon you will find yourself casually looking over the live charts, researching trends and even keeping track of your own trading history. Within minutes you will be choosing your investments, as you sip your Americano.

All apps can be quickly and easily downloaded directly from the app store, and offer professional trading functionality with a simple user-friendly interface.

Using a trading app is just like using a traditional online trading platform. You get the same features, tools and information. You will find that security and speedy access to international markets is guaranteed.

Take XTrade’s app for example. It offers all of the conventional tools, with an easy to use interface:

  • Trade CFDs on the world’s most popular financial instruments.
  • Fast and efficient CFD trading.
  • Get access to real-time market quotes including: popular stocks, indexes, forex pairs, and commodities such as gold and oil.
  • Buy and Sell CFDs online: stocks, NASDAQ shares, NYSE and many more stock exchanges.
  • Open and close positions, set limits to protect your investment.
  • View your balance, equity and margin.
  • First class multi language support.
  • Live charts & signals
  • Fund your account by credit card or wire transfer.
  • Fully licensed and regulated broker.
  • Award-winning trading platform.

There are hundreds of such examples out there, all offering similar features. It is advised that you do your research before committing to any trading platform.

Points that you should always look for in trading platform are

  • A wide variety of trading options
  • Live charts
  • Fast trading
  • User-friendly Interface
  • Automatic trading
  • Security of data
The bottom line is that Android trading apps are suitable for all traders. From absolute novices that want to start learning to trade CFD’s through XTrade to experts who need to keep on top of all the financial news and make quick trades. My advice is that trading apps are essential for efficient trading anytime, anywhere.  Whether you are new and looking into the world of trading, or you are an experienced trader – download that app now, and you will see the difference for yourselves.