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10 Best Cheap VPNs for Your Business or Personal Use in 2025

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10 Best Cheap VPNs for Your Business or Personal Use in 2025

10 Best Cheap VPNs for Your Business or Personal Use in 2025

Imagine this: You’re sipping coffee at your favorite café, working on a critical business proposal over public Wi-Fi. Out of nowhere, a nagging thought hits you—could someone be intercepting your data right now? Or maybe you’re at home, eagerly trying to stream the latest season of your favorite show, only to find it’s locked behind a geo-restriction wall.

Frustrating, isn’t it? In today’s digital world, these scenarios are all too common, but there’s a simple fix: a Virtual Private Network (VPN). A VPN shields your data from prying eyes and unlocks content from across the globe. The catch? You don’t need to spend a fortune to get one.

In this article, we’re diving into the 10 best cheap VPNs for your business or personal use in 2025. These picks are affordable yet packed with features, making them perfect whether you’re safeguarding sensitive company info or just binge-watching in peace.

We’ve ranked Surfshark as number one for its unbeatable value, and we’ll break down why it—and nine other contenders—deserve your attention. Stick around for a detailed guide, a handy comparison table, FAQs, and credible references to back it all up.

 

What is a VPN?

A Virtual Private Network is a way to access the internet without the risk of being tracked.

A VPN works by providing you with an encrypted connection to the internet, so that you can access content and websites that are blocked by your ISP or government.

In the past, cheap VPN providers were frequently unable to compete with the very finest VPN services available on the market, and they were forced to sacrifice power and functionality in order to give the lowest possible price.

Fortunately, technology has advanced, and even the most inexpensive VPNs are now fast, secure, and easy to use.


What Makes a Cheap VPN Worth It?

Before we jump into the list, let’s talk about what to look for in a budget-friendly VPN. “Cheap” doesn’t mean cutting corners—it’s about getting the most bang for your buck. Here’s what matters:

  • Security: Strong encryption (think AES-256), a no-logs policy, and extras like a kill switch or DNS leak protection are non-negotiable.
  • Speed: Whether you’re streaming, gaming, or hosting a video call, you need a VPN that won’t slow you down.
  • Server Network: More servers in more countries mean better performance and access to geo-blocked content.
  • Device Compatibility: It should work seamlessly on your phone, laptop, tablet—even your router.
  • Customer Support: Quick, reliable help can save the day when tech hiccups strike.
  • Pricing: Affordable plans that still deliver premium features are the sweet spot.

With these in mind, let’s explore the top 10 cheap VPNs for 2025.


The Top 10 Cheap VPNs for 2025

 

1. Surfshark

Surfshark VPN - best cheap vpn

Why It’s Number 1: Surfshark takes the crown as the best cheap VPN for 2025. It’s a powerhouse of affordability and functionality, offering unlimited device connections, top-tier security, and stellar streaming capabilities. It’s the Swiss Army knife of VPNs—perfect for businesses and personal users alike.

Key Features:

  • Unlimited simultaneous connections
  • 3,200+ servers across 100 countries
  • AES-256 encryption with a strict no-logs policy
  • CleanWeb blocks ads and malware
  • MultiHop for double encryption
  • Unblocks Netflix, Hulu, and more

Pricing: Starts at $2.49/month (two-year plan).

Why It’s Great: For businesses, unlimited connections mean every employee can stay secure without extra costs. For personal use, it’s a streaming dream—watch anything, anywhere, on any device. I’ve used Surfshark myself to catch shows unavailable in my region, and it’s never let me down.


2. NordVPN

NordVPN cheap vpn

NordVPN is a household name for a reason. It blends affordability with premium features, making it a close runner-up.

Key Features:

  • 5,500+ servers in 60 countries
  • Double VPN for extra security
  • CyberSec ad and malware blocker
  • Optional dedicated IP addresses
  • Great for streaming and gaming

Pricing: Starts at $3.99/month (two-year plan).

Why It’s Great: Businesses love the dedicated IPs for consistent network access, while its speed keeps gamers and streamers happy. It’s a bit pricier than Surfshark but worth it for the extras.


3. ProtonVPN

ProtonVPN

ProtonVPN stands out for its privacy-first approach, backed by its Swiss base and a solid free tier.

Key Features:

  • 1,900+ servers in 65 countries
  • Secure Core servers for added protection
  • No-logs policy
  • Supports up to 10 devices
  • Good for streaming and torrenting

Pricing: Starts at $4.99/month (two-year plan).

Why It’s Great: Secure Core is a boon for businesses handling sensitive data, and the free tier is a budget-friendly perk for personal use. It’s privacy you can trust.


4. Private Internet Access (PIA)

Private Internet Access

PIA has been around forever and keeps delivering with its massive server network and low price.

Key Features:

  • 35,000+ servers in 78 countries
  • AES-256 encryption and no-logs policy
  • Supports up to 10 devices
  • Built-in ad and malware blocker
  • Excellent for torrenting

Pricing: Starts at $2.19/month (three-year plan).

Why It’s Great: That server count ensures reliability for businesses, and its customization options let you tweak it just right. For personal use, it’s a steal.


5. Mullvad

Mullvad

Mullvad is the go-to for privacy buffs who want simplicity and anonymity.

Key Features:

  • 750+ servers in 35 countries
  • AES-256 encryption and no-logs policy
  • Anonymous sign-up (even accepts cash!)
  • Supports up to 5 devices
  • Privacy-first design

Pricing: Flat $5/month—no tiered plans.

Why It’s Great: Businesses and individuals who value anonymity will appreciate Mullvad’s no-nonsense approach. It’s not the flashiest, but it gets the job done.


6. CyberGhost

CyberGhost - The Best Cheap VPNs

CyberGhost is the user-friendly option that doesn’t skimp on features, especially for streaming fans.

Key Features:

  • 9,000+ servers in 91 countries
  • Dedicated streaming servers
  • AES-256 encryption and no-logs policy
  • Supports up to 7 devices
  • 45-day money-back guarantee

Pricing: Starts at $2.25/month (three-year plan).

Why It’s Great: Its streaming servers are a personal favorite for unwinding after work, while businesses benefit from its vast network and solid security.


7. IPVanish

IPVanish

IPVanish offers unlimited connections and dependable performance at a reasonable price.

Key Features:

  • 2,000+ servers in 75 countries
  • Unlimited simultaneous connections
  • AES-256 encryption and no-logs policy
  • Supports torrenting
  • Good for streaming

Pricing: Starts at $3.99/month (one-year plan).

Why It’s Great: Like Surfshark, unlimited connections make it a business and family favorite. It’s fast enough for streaming too—I’ve tested it on multiple devices with no lag.


8. Windscribe

Windscribe

Windscribe brings flexibility with a solid free tier and affordable paid plans.

Key Features:

  • 500+ servers in 60 countries
  • AES-256 encryption and no-logs policy
  • Unlimited devices (paid plans)
  • Ad and malware blocker
  • Good for streaming and torrenting

Pricing: Starts at $5.75/month (one-year plan).

Why It’s Great: The free tier is perfect for casual personal use, while paid plans offer business-ready features like unlimited connections.


9. Hotspot Shield

Hotspot Shield

Hotspot Shield shines with its speed, thanks to its unique Hydra protocol.

Key Features:

  • 1,800+ servers in 80 countries
  • Hydra protocol for blazing speeds
  • AES-256 encryption and no-logs policy
  • Supports up to 5 devices
  • Great for streaming and gaming

Pricing: Starts at $7.99/month (one-year plan).

Why It’s Great: Businesses needing fast connections will love it, and its free tier is a nice bonus for personal users on a budget.


10. ExpressVPN

ExpressVPN - Best Cheap VPNs

ExpressVPN is the priciest on our list, but its premium quality justifies the cost for many.

Key Features:

  • 3,000+ servers in 94 countries
  • AES-256 encryption and no-logs policy
  • Supports up to 5 devices
  • Top-notch streaming and torrenting
  • 30-day money-back guarantee

Pricing: Starts at $8.32/month (one-year plan).

Why It’s Great: Businesses get rock-solid reliability, and personal users enjoy its ease of use and streaming prowess. It’s not the cheapest, but it’s a worthy splurge.


Comparison Table: At a Glance

VPN Price (Starting) Devices Servers/Countries Best For
Surfshark $2.49/mo Unlimited 3,200+/100 Unlimited devices, streaming
NordVPN $3.99/mo 6 5,500+/60 Security, dedicated IPs
ProtonVPN $4.99/mo 10 1,900+/65 Privacy, free tier
PIA $2.19/mo 10 35,000+/78 Customization, affordability
Mullvad $5/mo 5 750+/35 Anonymity, simplicity
CyberGhost $2.25/mo 7 9,000+/91 Streaming, ease of use
IPVanish $3.99/mo Unlimited 2,000+/75 Unlimited devices, speed
Windscribe $5.75/mo Unlimited (paid) 500+/60 Free tier, flexibility
Hotspot Shield $7.99/mo 5 1,800+/80 Speed, gaming
ExpressVPN $8.32/mo 5 3,000+/94 Premium performance

FAQs About Cheap VPNs

 

  1. Are cheap VPNs reliable?
    Yes! Many budget VPNs, like those on this list, are dependable if you pick a reputable provider. Always check reviews and test them out—most offer money-back guarantees.
  2. Can I use a cheap VPN for my business?
    Definitely. Look for features like multiple connections (Surfshark, IPVanish) or dedicated IPs (NordVPN) to suit your team’s needs.
  3. Are cheap VPNs secure?
    Most on our list use AES-256 encryption and no-logs policies. Extras like kill switches add peace of mind—ProtonVPN’s Secure Core is a standout.
  4. Will a cheap VPN work for streaming?
    Absolutely. Surfshark, CyberGhost, and ExpressVPN excel at unblocking Netflix and more. I’ve streamed across borders with zero buffering.
  5. Are free VPNs a good option?
    They can be, but expect limits like data caps or slower speeds. ProtonVPN and Windscribe offer decent free tiers, though paid plans unlock more power.

Final Thoughts: Secure Savings in 2025

You don’t need to drain your wallet to stay safe online or unlock the internet’s full potential. From Surfshark’s unbeatable value to ExpressVPN’s premium punch, these 10 cheap VPNs for 2025 cater to every need—business or personal. Think about what matters most to you—speed, security, or streaming—then pick the one that fits. With a little research, you’ll be browsing smarter and safer in no time.

 


References

  1. CNET: Best Cheap VPN for 2025
  2. PCMag: The Best VPN Services for 2025
  3. Tom’s Guide: Best VPN Services 2025

The European Digital Services Tax: Impact on Big Tech, Businesses, and the Global Economy

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Imagine a world where the digital giants that dominate our daily lives suddenly find themselves under a microscope—not for their innovative products or services, but for the taxes they pay.

As technology has transformed every facet of our society, European governments are reshaping the tax landscape to ensure that companies thriving in the digital realm contribute their fair share.

This bold move is redefining global taxation and challenging some of the largest multinational companies in history.

In this comprehensive article, we explore the origins and evolution of the European Digital Services Tax (DST), analyze its profound implications on Big Tech and traditional businesses, and consider the wider ripple effects on the global economy.

Whether you’re an industry insider, a business owner, or simply a curious observer of economic trends, read on to uncover what this groundbreaking tax means for the future.


Introduction: The Digital Revolution Meets Fiscal Policy

The rapid expansion of the digital economy has redefined commerce, communication, and even how governments generate revenue. Over the past decade, companies like Google, Apple, Facebook, and Amazon have not only reshaped consumer behavior but have also created new challenges for taxation frameworks originally designed for a brick-and-mortar economy.

As these companies continue to thrive, many European nations have argued that existing tax laws are outdated and fail to capture revenues generated in the digital age.

The European Digital Services Tax represents a pioneering effort to level the playing field. By targeting digital revenues—particularly those earned by large multinational tech companies—the DST aims to address the growing imbalance between where value is created and where profits are reported.

This issue has fueled heated debates, sparked international negotiations, and triggered responses from major stakeholders worldwide.


Understanding the Digital Transformation and the Need for Reform

 

The Digital Economy’s Exponential Growth

Over the last two decades, digital technologies have revolutionized the way businesses operate. The explosion of e-commerce, cloud computing, and digital advertising has led to unprecedented economic growth.

Yet, while these advancements have contributed to prosperity, they have also highlighted the limitations of traditional tax systems. Many of these systems were established long before the internet became a central pillar of global commerce, leaving a significant gap in how profits from digital services are taxed.

The Tax Gap and Market Distortions

A core concern driving the DST is the so-called “tax gap”—the difference between where profits are generated and where taxes are paid. Many digital companies manage to shift profits to low-tax jurisdictions, exploiting loopholes in international tax law.

This not only results in a loss of revenue for countries where the economic activities occur but also creates an uneven playing field for smaller businesses that are unable to engage in similar tax planning strategies.


The Genesis of the European Digital Services Tax

Historical Context and Policy Evolution

In response to these challenges, European governments began rethinking their tax policies. The concept of a digital tax started gaining traction in the early 2010s as governments and policymakers recognized the need for a new approach to taxation in the digital era.

The European Union, in particular, has been at the forefront of these discussions, proposing measures aimed at ensuring that digital revenues contribute to the public coffers in a fair and equitable manner.

Political and Economic Drivers

Several factors have spurred the development of the DST in Europe:

  • Revenue Shortfalls: As digital businesses grew, traditional revenue sources for governments began to dwindle. This shortfall necessitated a new approach to tax collection.
  • Fair Competition: National governments argued that without new taxation rules, domestic companies and traditional businesses would be at a disadvantage compared to tech giants that could leverage digital platforms to minimize tax liabilities.
  • Global Economic Shifts: The globalization of commerce and the emergence of digital services created a scenario where profits were increasingly being reported in jurisdictions with lower tax rates, prompting calls for reform.

These factors combined to create an environment ripe for policy innovation, paving the way for the DST as a means to capture digital revenues more effectively.


How the European Digital Services Tax Works

Key Components of the DST

At its core, the DST is designed to tax revenues generated by digital services rather than profits, which can be more easily shifted through accounting techniques. Here’s how the DST generally works:

  • Revenue Thresholds: The tax typically applies to companies with global revenues exceeding a specified threshold, ensuring that only the largest digital players are targeted.
  • Revenue Streams: It focuses on income derived from digital activities such as online advertising, data sales, and intermediary services. By taxing revenues rather than profits, the DST aims to reduce the opportunities for aggressive tax avoidance.
  • Tax Rates: While the specific rates may vary from country to country, the DST generally imposes a percentage tax on qualifying digital revenues. These rates are determined based on the need to balance revenue generation with the potential impact on business operations.

Implementation Across Europe

Although the DST is a relatively new tax mechanism, several European countries have already begun implementing their own versions of the tax. For instance:

  • France: One of the early adopters, France introduced its digital services tax in 2019, targeting tech giants with a tax rate on revenues generated from digital advertising and other online services.
  • Italy and Spain: These countries have also enacted or are in the process of formulating similar measures, each tailored to their domestic economic landscapes.
  • European Union Efforts: At the EU level, there has been significant discussion about harmonizing digital taxation policies to avoid conflicts between member states and to address concerns about double taxation.

This patchwork of national and regional policies has created a dynamic and often contentious environment, as countries balance the need for revenue with the potential impact on international trade and investment.


Impact on Big Tech: A Paradigm Shift

Reassessing Business Strategies

For technology giants like Google, Amazon, Facebook, and Apple, the DST represents a significant shift in how their revenues are taxed in Europe.

These companies have long been criticized for using complex international tax structures to minimize their tax liabilities. The DST disrupts these strategies by focusing on where revenue is generated, rather than where profits are reported.

  • Increased Tax Liabilities: With the DST in place, Big Tech companies are facing higher tax burdens in Europe. This increase in taxes could potentially lead to adjustments in business strategies, such as restructuring operations or revising pricing models to pass on some of the tax costs to consumers.
  • Operational Adjustments: Some companies may consider altering their business models to reduce reliance on digital advertising or data-driven services, which are heavily taxed under the DST framework.
  • Political and Legal Pushback: The implementation of the DST has not gone unchallenged. Several Big Tech companies have actively lobbied against the tax, arguing that it unfairly singles out digital businesses and could lead to double taxation. This pushback is fueling a broader debate about the fairness and efficiency of digital taxation.

Innovation and Investment Concerns

Critics argue that the DST could stifle innovation by reducing the funds available for research and development. The tech industry thrives on reinvestment and rapid innovation cycles, and higher taxes might slow down these processes.

However, proponents of the tax contend that by ensuring that all companies contribute fairly, governments can invest more in public goods, infrastructure, and education, ultimately benefiting the broader economy.


Consequences for Traditional and Emerging Businesses

Leveling the Playing Field

For many traditional businesses and smaller digital startups, the DST represents an opportunity to create a more equitable competitive environment. Prior to the DST, large digital companies could leverage sophisticated tax avoidance strategies that were largely out of reach for smaller players.

  • Fairer Tax Contributions: By taxing revenues directly, the DST reduces the scope for profit shifting and ensures that companies benefiting from the digital economy contribute to the public purse.
  • Increased Government Revenue: The additional tax revenues generated from the DST can be reinvested in various public services, from infrastructure to education, which in turn benefit all businesses by creating a more robust economic environment.

Challenges for SMEs and Digital Startups

However, the DST is not without its challenges, especially for small and medium enterprises (SMEs) in the digital space. While the tax primarily targets large multinationals, the broader implications can create an uneven playing field in unexpected ways.

  • Indirect Costs: Smaller companies might face indirect costs if larger competitors adjust their pricing strategies or if the overall digital ecosystem experiences changes due to shifting investment patterns.
  • Market Consolidation: There is a risk that increased regulatory and tax burdens could accelerate market consolidation, where only the largest players can afford to operate at scale, potentially stifling innovation from smaller, nimble startups.
  • Global Competition: As European countries enforce the DST, businesses outside Europe may find themselves at a competitive disadvantage if similar measures are not adopted in their home markets, further complicating the international business landscape.

Implications for the Global Economy

Shaping International Tax Policy

The European Digital Services Tax is not an isolated phenomenon—it is part of a broader global trend toward reevaluating international tax rules in the digital age.

The OECD and G20 have been engaged in discussions to create a unified global framework for digital taxation, aiming to reduce the discrepancies between where profits are earned and where taxes are paid.

  • Global Coordination: Efforts by the OECD to reform international tax rules are closely linked to the DST. A coordinated approach could help mitigate conflicts between countries and reduce the risk of double taxation, which has been a major sticking point in international negotiations.
  • Setting Precedents: The DST in Europe serves as a model for other regions grappling with similar challenges. If the tax proves successful in curbing aggressive tax avoidance while generating substantial revenue, it may prompt similar initiatives in Asia, Africa, and Latin America.

Trade and Diplomatic Ramifications

The DST has already triggered a series of trade and diplomatic debates, particularly between the European Union and the United States. American tech giants, which are the primary targets of the tax, have voiced strong objections, arguing that the DST unfairly penalizes U.S.-based companies.

  • Retaliatory Measures: There is a real risk of retaliatory tariffs or other trade measures if countries perceive the DST as a unilateral move that disrupts fair competition. Such developments could lead to a protracted diplomatic standoff, impacting not only technology sectors but also broader international trade relations.
  • Global Market Dynamics: As global markets adjust to these new tax policies, companies might rethink their investment strategies and supply chains. The DST could accelerate a shift in the global economic landscape, prompting multinational corporations to diversify their operations away from regions with higher regulatory burdens.

Economic Growth and Public Investment

While critics fear that higher taxes could dampen corporate investments, supporters of the DST emphasize its potential to fund public goods and services. Increased government revenue can be channeled into digital infrastructure, education, and innovation ecosystems, creating a virtuous cycle of growth and competitiveness in the long term.

  • Reinvestment in Society: Governments can use the additional funds generated by the DST to address social challenges and invest in technology-driven public services, thereby supporting a more inclusive and sustainable economic growth model.
  • Balancing Innovation and Fairness: The challenge lies in striking a balance between ensuring fair taxation and maintaining an environment conducive to innovation. Policymakers must continually assess the impact of the DST and adjust the framework to avoid unintended consequences that could hinder economic dynamism.

Challenges and Criticisms of the Digital Services Tax

Legal and Technical Hurdles

Implementing the DST has not been straightforward. Legal challenges abound, particularly concerning the potential for double taxation and conflicts with international tax treaties. Critics argue that without a globally coordinated solution, the DST could lead to prolonged legal disputes and uncertainty for businesses operating across borders.

  • Double Taxation Concerns: One of the primary criticisms of the DST is that it may result in double taxation, where companies are taxed both in their home country and in the country where the digital service is consumed. This could discourage cross-border trade and investment.
  • Administrative Complexity: The mechanics of calculating digital revenues, identifying qualifying services, and ensuring compliance present significant administrative challenges for both businesses and tax authorities. These technical hurdles can slow down the implementation process and create additional burdens for companies.

Economic Impact on Innovation

There is ongoing debate over whether the DST might inadvertently stifle innovation within the digital economy. While the tax is intended to ensure fairness, higher operational costs for tech companies might reduce their ability to invest in research and development.

  • Innovation Versus Regulation: Proponents argue that by generating additional government revenue, the DST could lead to more public investments in education and infrastructure, indirectly spurring innovation. However, the risk remains that an overly burdensome tax could dampen entrepreneurial activity, especially in a rapidly evolving digital market.
  • Competitive Disadvantages: Smaller startups and emerging digital platforms might find it harder to compete with established giants that have greater resources to manage the tax implications. This could lead to a consolidation of power among a few large players, potentially reducing the diversity and dynamism of the digital economy.

Political Backlash and International Disputes

The DST has ignited political debates both within Europe and internationally. Governments must navigate the delicate balance between national revenue needs and maintaining robust international trade relationships. As American tech giants continue to protest the DST, diplomatic tensions could rise, impacting bilateral trade negotiations and global economic stability.

  • Lobbying and Political Influence: Powerful lobbying efforts by tech companies have shaped the discourse around digital taxation. These companies argue that the DST is a narrow, protectionist measure that undermines global free trade, while European governments maintain that it is a necessary response to the modern realities of digital commerce.
  • International Collaboration: The future of the DST may depend on reaching broader international agreements that harmonize tax rules across borders. Until such global cooperation is achieved, the DST will likely remain a contentious issue at the intersection of domestic policy and international diplomacy.

Looking Ahead: The Future of Digital Taxation in Europe

Evolving Regulatory Landscapes

The introduction of the DST marks just the beginning of a fundamental shift in how digital revenues are taxed globally. European policymakers are actively exploring additional measures to further modernize tax frameworks in response to ongoing technological advancements.

  • Harmonization Efforts: There is growing momentum for the European Union to adopt a more unified approach to digital taxation. A harmonized DST framework across member states could reduce administrative complexity and help avoid intra-EU trade distortions.
  • Adaptability to Change: As digital business models continue to evolve, tax authorities must remain flexible. Future iterations of the DST may include adjustments to better capture emerging revenue streams from areas like cloud computing, artificial intelligence, and other cutting-edge technologies.

Bridging Global Divides

The debate over digital taxation is not confined to Europe. Countries around the world are grappling with similar challenges, prompting discussions at international forums such as the OECD and the G20. Achieving global consensus on digital taxation could help mitigate the risks of double taxation and create a more predictable business environment for multinational corporations.

  • Global Standards: The development of international guidelines for digital taxation could pave the way for a more balanced system, where all countries benefit from the digital revolution without sacrificing fair tax contributions.
  • Mitigating Trade Tensions: A globally coordinated approach would not only enhance tax fairness but also help ease the trade tensions currently simmering between Europe and the United States. By establishing clear rules that apply universally, governments could reduce the scope for unilateral measures that disrupt international commerce.

Balancing Act for Policymakers

Ultimately, the future of the DST—and digital taxation more broadly—will depend on striking the right balance between raising revenue, fostering innovation, and maintaining international cooperation.

Policymakers must carefully monitor the DST’s impact, remaining open to adjustments as the digital economy continues to expand and evolve. The lessons learned from Europe’s pioneering efforts will likely shape the next generation of tax policies on a global scale.


Conclusion

The European Digital Services Tax represents a bold and necessary step in rethinking how governments capture revenues in a digital-first world. By shifting the focus from traditional profit measures to digital revenues, Europe is challenging long-established norms and compelling global tech giants to pay their fair share.

While the DST promises to generate significant public revenue and create a more equitable tax system, it also poses substantial challenges—from legal complexities and innovation risks to international trade disputes.

As businesses and governments navigate this evolving landscape, the DST will undoubtedly remain a focal point of debate. Its success or failure could reshape not only the future of digital taxation in Europe but also set the tone for a more balanced global economic order.

In a world where digital transformation is the new normal, understanding and adapting to these changes is crucial for ensuring a fair, competitive, and sustainable future.


Frequently Asked Questions (FAQs)

 

1. What exactly is the European Digital Services Tax (DST)?


The DST is a tax imposed on revenues generated from digital services, particularly targeting large multinational tech companies. It is designed to address the tax gap by taxing digital revenues where value is created rather than where profits are reported.

2. Which companies are most affected by the DST?


The DST primarily targets Big Tech companies such as Google, Amazon, Facebook, and Apple. These companies generate substantial income from digital services, making them the primary focus of the tax.

3. How does the DST impact traditional businesses and startups?


By narrowing the gap between digital and traditional tax practices, the DST aims to create a more level playing field. While large digital companies face increased tax liabilities, the additional revenue generated can benefit all businesses through improved public services and infrastructure investments.

4. Could the DST lead to double taxation for multinational companies?


One of the main criticisms of the DST is the risk of double taxation, where companies might be taxed both in their home countries and in the markets where digital services are consumed. Ongoing international negotiations aim to address this issue and harmonize tax rules globally.

5. What does the future hold for digital taxation in Europe and worldwide?


The DST is part of a broader move to modernize tax frameworks for the digital age. With ongoing discussions at international forums such as the OECD and G20, future policies are likely to focus on creating a unified, global approach that balances revenue generation with fostering innovation.


References

Comparing the Top 10 Affordable Car Insurance Providers in 2025

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Comparing the Top 10 Affordable Car Insurance Providers in 2025

Picture this: you’re cruising down the highway, windows down, music up, when suddenly you realize your car insurance renewal is due—and the rates have spiked again.

With car insurance costs climbing in 2025, finding an affordable policy that doesn’t skimp on coverage feels like a treasure hunt. But don’t worry, we’ve done the digging for you.

In this guide, we’re breaking down the top 10 affordable car insurance providers of 2025, comparing their rates, coverage options, and customer satisfaction to help you save money and drive with peace of mind. Ready to find the best deal? Let’s hit the road!


Why Car Insurance Rates Are Rising in 2025

Before we dive into the top providers, let’s talk about why car insurance feels more expensive every year. Experts say premiums jumped 12.7% in the last year alone, pushing the average annual cost to $2,101 in 2025. What’s behind this trend? Here are the culprits:

  • Costly repairs: Today’s cars are packed with tech—think sensors, cameras, and advanced safety systems. Fixing them isn’t cheap, and those costs get passed on to you.
  • Riskier roads: More accidents are happening, with U.S. traffic deaths hitting 42,514 in 2022—a 10% jump from 2020. More claims mean higher rates.
  • Legal battles: Lawsuits tied to accidents are on the rise, and insurers are footing the bill, which trickles down to your premium.

The good news? You can still snag affordable coverage by choosing the right provider. Let’s explore what makes a car insurance company stand out as both “top” and “affordable.”


What Makes a Car Insurance Provider “Top” and “Affordable”?

Affordability isn’t just about the lowest price—it’s about value. A top car insurance provider in 2025 should deliver:

  • Low premiums: Competitive rates tailored to different drivers, from teens to retirees.
  • Solid coverage: Options like liability, collision, and comprehensive, plus extras like roadside assistance.
  • Discounts galore: Savings for safe driving, bundling policies, or owning a hybrid.
  • Happy customers: High marks for claims handling and support, because who wants to fight their insurer after a fender bender?

With these factors in mind, we’ve researched rankings from trusted sources like Bankrate, Forbes, and NerdWallet to bring you the top 10 affordable car insurance providers for 2025.


The Top 10 Affordable Car Insurance Providers in 2025

Here’s our list of the best affordable car insurance companies for 2025. Each one shines in pricing, coverage, or customer satisfaction—often all three. Let’s break them down.

1. Travelers

  • Who they are: Around since 1853, Travelers is a big name with a knack for affordable, flexible policies.
  • Why they’re affordable: They’re known for competitive rates, especially if you’ve got a clean driving record or qualify for discounts.
  • Coverage highlights: Beyond the basics, they offer gap insurance (great for new cars) and new car replacement if your ride’s totaled early on.
  • Discounts: Bundle your home and auto, drive safely, or own a hybrid to save.
  • Customer vibe: Travelers scores high with J.D. Power for claims satisfaction, making it a reliable pick.

2. Amica

  • Who they are: A mutual company owned by policyholders, Amica puts customers first.
  • Why they’re affordable: Rates aren’t the lowest, but the value shines through with top-notch service.
  • Coverage highlights: Think glass repair with no deductible and rental car coverage when your vehicle’s in the shop.
  • Discounts: Loyalty pays off here, along with multi-vehicle and autopay savings.
  • Customer vibe: Amica tied with USAA for Bankrate’s best auto insurer in 2025—people love their claims process.

3. USAA

  • Who they are: USAA caters exclusively to military members, veterans, and their families, and it’s a standout for service.
  • Why they’re affordable: Full coverage averages just $1,381 a year—one of the lowest around.
  • Coverage highlights: They’ve got rideshare coverage and policies for classic cars, alongside standard options.
  • Discounts: Military-specific perks, safe driver rewards, and good student deals keep costs down.
  • Customer vibe: USAA dominates J.D. Power satisfaction rankings, though it’s not an option for everyone.

4. Progressive

  • Who they are: Progressive’s all about innovation, with tools like Name Your Price® to match your budget.
  • Why they’re affordable: Great for high-risk drivers, with full coverage averaging $1,334 annually.
  • Coverage highlights: Custom parts coverage for gearheads, plus all the usual suspects.
  • Discounts: Go paperless, pay in full, or bundle policies to cut costs.
  • Customer vibe: Service is solid, not stellar, but their app and 24/7 claims support keep things smooth.

5. Erie

  • Who they are: A regional player in 12 states, Erie blends affordability with personal touches.
  • Why they’re affordable: Full coverage averages $1,642 a year—cheap for what you get.
  • Coverage highlights: Pet coverage and accident forgiveness come standard with some plans.
  • Discounts: Multi-car, safe driver, and vehicle safety features can lower your bill.
  • Customer vibe: Repair pros rave about Erie’s claims handling, and customers agree.

6. Nationwide

  • Who they are: A big insurer with family-friendly policies and lots of coverage choices.
  • Why they’re affordable: Competitive rates, especially if you bundle home and auto.
  • Coverage highlights: Vanishing deductibles and accident forgiveness sweeten the deal.
  • Discounts: Smart driver programs, multi-policy savings, and autopay discounts apply.
  • Customer vibe: Nationwide’s digital tools and claims process earn it solid satisfaction scores.

7. Auto-Owners

  • Who they are: Operating in 26 states, Auto-Owners pairs affordability with a strong agent network.
  • Why they’re affordable: Rates are reasonable, especially for clean drivers.
  • Coverage highlights: Diminished value coverage and gap insurance stand out.
  • Discounts: Multi-policy, paid-in-full, and green vehicle savings help out.
  • Customer vibe: High marks for claims and service make it a regional favorite.

8. American Family

  • Who they are: A mutual insurer offering auto, home, and more, with a focus on families.
  • Why they’re affordable: Competitive rates, boosted by bundling options.
  • Coverage highlights: Teen driver monitoring and rideshare coverage cater to modern needs.
  • Discounts: Loyalty, multi-vehicle, and defensive driver discounts are up for grabs.
  • Customer vibe: Strong in the Midwest, with good satisfaction ratings overall.

9. Geico

  • Who they are: Geico’s a giant, famous for low rates and those quirky ads.
  • Why they’re affordable: Full coverage averages $1,353 a year—hard to beat.
  • Coverage highlights: Mechanical breakdown insurance is a unique add-on.
  • Discounts: Federal employees, military members, and good students save big.
  • Customer vibe: Service is decent, though claims handling gets occasional grumbles.

10. State Farm

  • Who they are: The biggest insurer in the U.S., with agents everywhere you look.
  • Why they’re affordable: Rates compete well, especially with discounts factored in.
  • Coverage highlights: Rideshare and sports car insurance join the standard lineup.
  • Discounts: Safe drivers, multi-car households, and safety features cut costs.
  • Customer vibe: State Farm’s claims handling and agent support keep customers happy.

How to Compare Car Insurance Quotes Effectively

Picking the right provider isn’t just about price—it’s about finding the best fit. Here’s how to compare quotes like a pro:

  1. Know your needs: Full coverage suits most, but liability-only might work for older cars.
  2. Shop around: Grab quotes from at least three companies—tools like The Zebra make it easy.
  3. Dig deeper: Compare coverage limits, deductibles, and extras, not just the bottom line.
  4. Hunt for discounts: Ask about bundling, safe driving, or payment perks.
  5. Check reviews: J.D. Power or BBB ratings reveal how insurers treat customers.

A little effort here can save you big over time.


Frequently Asked Questions (FAQs)


1. How can I find the cheapest car insurance in 2025?

Compare quotes from multiple providers, snag every discount you qualify for, and consider a higher deductible if you’ve got cash saved up. A clean record and good credit help, too.

2. What factors affect car insurance rates?

Your age, driving history, credit score, where you live, and your car’s make and model all play a role. Coverage choices and deductibles seal the deal.

3. Is it better to go with a large national insurer or a smaller regional one?

Big names like Geico offer low rates and tech perks, while regional players like Erie give you personal service. It’s about what matters most to you.

4. How often should I shop around for car insurance?

Every six months or at renewal time is smart. Rates shift, and a quick check could uncover a better deal.

5. What discounts should I look for to lower my premiums?

Look for multi-policy, safe driver, good student, and vehicle safety discounts. Paying upfront or going paperless can also trim your bill.


Conclusion

Rising car insurance rates in 2025 don’t mean you’re stuck overpaying. The top 10 providers we’ve covered—Travelers, Amica, USAA, and more—offer affordable options without cutting corners. Whether you prioritize low premiums, great coverage, or stellar service, there’s a company here for you.

Take a few minutes to compare quotes, and you could pocket serious savings while keeping your ride protected. What are you waiting for? Start shopping today!

 

 


References

  1. Bankrate. (2025). Best Car Insurance Companies for March 2025. Retrieved from https://www.bankrate.com/insurance/car/best-companies/
  2. Forbes. (2025). 7 Best Car Insurance Companies Of February 2025. Retrieved from https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/
  3. NerdWallet. (2025). The 5 Best Car Insurance Companies of 2025. Retrieved from https://www.nerdwallet.com/article/insurance/best-car-insurance-companies

Top 5 Ways to Lower Your Car Insurance Premiums 2025

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Top 5 Ways to Lower Your Car Insurance Premiums 2025

Imagine this: You’re flipping through your mail, sipping your morning coffee, when you spot your latest car insurance bill. You open it, and your heart sinks—your premium has shot up again, and you’re left wondering, “How am I supposed to keep up with this?”

If this sounds familiar, you’re not alone. Car insurance is a must-have for drivers, but that doesn’t mean you have to let it drain your bank account. The good news? There are proven ways to slash those costs without skimping on the coverage you need.

In this article, we’ll dive into the top five ways to lower your car insurance premiums in 2025, tailored to the trends and technologies shaping the insurance world. Whether you’re a daily commuter or an occasional driver, these practical, actionable strategies will help you save money while keeping your peace of mind intact. Let’s get started!


Why Car Insurance Premiums Keep Rising—and What You Can Do About It

Before we jump into the solutions, it’s worth understanding why car insurance costs seem to climb year after year. Factors like inflation, rising repair costs, and even your driving habits play a role. In 2025, we’re also seeing shifts like the growing popularity of electric vehicles (EVs) and advancements in telematics—tools that could either raise or lower your rates depending on how you use them.

The key? You don’t have to just accept higher premiums. By taking control with the right strategies, you can turn the tables and make car insurance work for your budget. Here are the top five ways to do just that.


1. Leverage Usage-Based Insurance (UBI): Pay for How You Drive

What Is Usage-Based Insurance?

Gone are the days when your car insurance premium was a one-size-fits-all number based on broad assumptions. Enter usage-based insurance (UBI), a game-changer that’s set to take off in 2025. UBI uses telematics—think small devices plugged into your car or apps on your phone—to track your driving habits in real time. It looks at things like:

  • How fast you drive
  • How hard you brake
  • How many miles you cover
  • What time of day you’re on the road

The result? A premium that reflects your driving, not just general statistics.

Why It’s a Big Deal in 2025

By 2025, UBI is expected to become more widespread and sophisticated, thanks to smarter sensors and AI-driven data analysis. For safe drivers, this is a golden opportunity. The Insurance Information Institute notes that drivers who switch to UBI can save up to 30% on their premiums, depending on their habits. If you’re someone who avoids rush-hour traffic or keeps a light foot on the gas, UBI could be your ticket to serious savings.

How to Get Started

Getting on board is simple:

  1. Check with your insurer: Many big names like Progressive, Allstate, and State Farm already offer UBI programs (sometimes called “pay-as-you-drive” or “telematics insurance”).
  2. Install the tech: You’ll either plug a device into your car’s diagnostic port or download an app.
  3. Drive smart: The safer you drive, the more you save over time.

A Word of Caution

UBI isn’t for everyone. If you’re a frequent speeder or rack up high mileage, your rates could creep up. But for cautious drivers, it’s one of the most effective ways to lower costs in 2025.


2. Improve Your Credit Score: A Hidden Key to Cheaper Rates

The Credit-Insurance Connection

Here’s a surprise for some: Your credit score isn’t just for loans—it’s a big factor in your car insurance premiums too. Most insurers use something called a credit-based insurance score to gauge your risk. The idea is that people with higher scores are statistically less likely to file claims, making them cheaper to insure.

In 2025, this practice isn’t going anywhere, so boosting your credit could mean big savings. The National Association of Insurance Commissioners reports that drivers with excellent credit pay 20-30% less on average than those with poor credit.

How to Boost Your Credit Score

Improving your credit doesn’t happen overnight, but these steps can set you on the right path:

  • Pay bills on time: Late payments are a credit killer. Set reminders or automate payments to stay consistent.
  • Lower your debt: Keep credit card balances below 30% of your limit.
  • Check your report: Errors happen—pull your free annual credit report from AnnualCreditReport.com and dispute anything off-base.
  • Avoid new credit: Too many applications can ding your score temporarily.

What’s New in 2025?

While the credit-insurance link remains strong, some states might push for tighter regulations on how much insurers can lean on credit scores. Keep an eye on local laws, but for now, a solid score is a proven way to cut your premium.


3. Take Advantage of Emerging Discounts: Savings You Might Miss

Discounts: The Low-Hanging Fruit

Insurance companies love to dangle discounts to win your business, and in 2025, the options are evolving. From tried-and-true classics to new perks tied to tech trends, discounts can shave serious dollars off your bill.

What’s on the Table in 2025?

Here’s a mix of traditional and emerging discounts to watch for:

  • Safe Driver Discounts: A clean record—no accidents, no tickets—can earn you up to 20% off with some insurers.
  • Multi-Policy Discounts: Bundle your car insurance with home or renters coverage for savings of 10-25%.
  • Low Mileage Discounts: Drive less than average (say, under 7,500 miles a year)? You could qualify.
  • Electric Vehicle Discounts: As EVs grow in popularity, insurers might offer breaks for their lower maintenance costs.
  • Autonomous Vehicle Discounts: If your 2025 ride has advanced safety features like self-braking or lane-keeping, you might score a deal.

How to Snag Them

Don’t wait for your insurer to hand these out—ask! Call your provider or check their website for a full list of discounts. Mention your EV, your low commute, or that defensive driving course you took. Every little bit adds up.

A 2025 Trend to Watch

With autonomous vehicles hitting the roads, insurers might roll out incentives for drivers who let the car take the wheel. Fewer accidents could mean lower rates—something to keep an eye on as the year unfolds.


4. Shop Around and Compare Quotes: Don’t Settle for Less

Why Shopping Around Works

Here’s a hard truth: Loyalty doesn’t always pay off with car insurance. Rates vary wildly between companies, even for identical coverage. Shopping around is hands-down one of the best ways to find a deal—and in 2025, it’s easier than ever.

Tools for 2025

Online comparison platforms are getting smarter. Sites like The Zebra or NerdWallet let you plug in your details and see quotes from dozens of insurers in minutes. By 2025, expect these tools to integrate AI, offering personalized recommendations based on your driving profile.

How to Compare Like a Pro

When you’re looking at quotes, don’t just chase the cheapest price. Consider:

  • Coverage levels: Are you getting liability-only or full coverage?
  • Deductibles: A low premium with a sky-high deductible might not save you in the long run.
  • Reputation: Check reviews or ratings (like J.D. Power scores) for customer service and claims handling.

Consumer Reports suggests getting at least three quotes to find the sweet spot. Switching could save you hundreds a year—well worth the 15 minutes it takes.

When to Shop

Make it a habit to compare rates annually, or after big life changes like moving, buying a new car, or adding a teen driver. Insurers tweak their pricing all the time, so yesterday’s best deal might not hold up in 2025.


5. Optimize Your Coverage: Pay for What You Need

Fine-Tuning Your Policy

Car insurance isn’t one-size-fits-all, and overpaying for coverage you don’t need is a quick way to waste money. In 2025, with new options and shifting regulations, it’s the perfect time to tweak your policy for maximum savings.

Ways to Optimize

Here’s how to trim the fat without cutting corners:

  • Raise your deductible: Bump it from $500 to $1,000, and your premium could drop 10-15%. Just make sure you’ve got the cash to cover it if you need to file a claim.
  • Drop extras: Got an old clunker? Skip comprehensive and collision coverage—repairs might cost less than the premium.
  • Try pay-per-mile: If you barely drive, companies like Metromile charge a base rate plus a per-mile fee—ideal for low-mileage folks.

Balancing Cost and Protection

The trick is finding the sweet spot. Skimp too much, and you’re exposed in an accident. Keep too much, and you’re throwing money away. Ask yourself: What’s my car worth? What can I afford out of pocket? In 2025, new coverage types—like micro-policies for occasional drivers—might give you even more flexibility.


Conclusion: Take Control of Your Car Insurance Costs

Lowering your car insurance premiums in 2025 isn’t just a pipe dream—it’s within your reach. Whether you’re tapping into usage-based insurance, polishing your credit score, hunting for discounts, comparing quotes, or tweaking your coverage, these strategies put you in the driver’s seat. Car insurance is a necessity, but it doesn’t have to be a burden. Start with one tip today, and watch the savings roll in—because every dollar counts.


Frequently Asked Questions (FAQs)

1. How much can I save by switching to usage-based insurance?

Savings depend on your driving habits, but safe drivers can cut premiums by up to 30%, per the Insurance Information Institute. If you’re cautious and low-mileage, you’ll see the biggest wins.

2. Does my credit score really affect my car insurance premiums?

Yep, it’s true. Insurers use credit-based scores to predict risk—higher scores often mean lower rates. A good score could save you 20-30%, says the NAIC.

3. What are some new discounts available in 2025?

Look out for perks tied to electric vehicles, autonomous tech, or advanced safety features. Classics like safe driver and multi-policy discounts aren’t going anywhere either.

4. How often should I shop around for car insurance quotes?

Aim for once a year, or after major changes like a move or a new car. Rates shift constantly, so regular checks keep you ahead of the game.

5. Is it safe to increase my deductible to lower my premiums?

It can be, if you’re prepared. A higher deductible cuts your premium but ups your out-of-pocket cost in a claim. Pick a number you can handle—$1,000 is a common sweet spot.


References

  1. Insurance Information Institute (III)
    A go-to for insurance stats and trends.
    https://www.iii.org/
  2. National Association of Insurance Commissioners (NAIC)
    Insights on regulations and consumer tips.
    https://www.naic.org/
  3. Consumer Reports
    Unbiased advice on insurance and more.
    https://www.consumerreports.org/

TOP 15 VPNs You Can Buy with PayPal: The Ultimate Guide

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TOP 15 VPNs You Can Buy with PayPal: The Ultimate Guide

TOP 15 VPNs You Can Buy with PayPal in 2025

In today’s digital world, protecting your online privacy and security is non-negotiable. Whether you’re browsing on public Wi-Fi, streaming your favorite shows, or simply keeping your data safe from prying eyes, a Virtual Private Network (VPN) is your go-to solution.

And if you prefer the convenience and security of PayPal for online purchases, you’re in luck—many top-tier VPNs accept it as a payment method. In this guide, we will be discussing the top 15 VPN services that you can buy with PayPal. Let’s get started!


What Is a VPN and Why Use PayPal?

A VPN creates a secure, encrypted connection between your device and the internet, masking your IP address and shielding your activities from hackers, ISPs, and other snoopers. It’s like having a private tunnel for your data—great for:

  • Securing your connection on public Wi-Fi.
  • Unlocking geo-restricted content like Netflix or BBC iPlayer.
  • Protecting your privacy from trackers and surveillance.

PayPal, on the other hand, is a trusted payment platform that adds an extra layer of convenience and security when buying a VPN. With PayPal, you can:

  • Keep your credit card details private.
  • Enjoy buyer protection for peace of mind.
  • Make quick, hassle-free transactions.

Now, let’s dive into the top 15 VPNs that accept PayPal, ranked for their quality, features, and user satisfaction.


The Top 15 VPNs You Can Buy with PayPal

Here’s our curated list of the best VPNs that support PayPal payments. Each one offers unique strengths, from unbeatable security to blazing speeds, ensuring there’s an option for everyone.

1. NordVPN

  • Why It Stands Out: NordVPN is a heavyweight in the VPN world, offering double encryption and a strict no-logs policy. With over 5,500 servers across 60 countries, it delivers fast speeds and reliable performance.
  • Key Features:
    • AES-256 encryption
    • CyberSec malware blocker
    • 24/7 live chat support
  • Best For: Privacy buffs and streaming enthusiasts.
  • PayPal Advantage: Secure, easy payments with buyer protection.

2. ExpressVPN

  • Why It Stands Out: Known for its blazing speeds, ExpressVPN excels at unblocking streaming services like Netflix and Hulu. Its Lightway protocol keeps connections fast and secure.
  • Key Features:
    • 3,000+ servers in 94 countries
    • Split tunneling
    • TrustedServer tech (no data stored on hard drives)
  • Best For: Streamers and frequent travelers.
  • PayPal Advantage: One-click checkout with PayPal.

3. CyberGhost

  • Why It Stands Out: CyberGhost is super user-friendly, with a massive network of 9,000+ servers. It’s a top pick for streaming thanks to its dedicated servers.
  • Key Features:
    • Streaming-optimized servers
    • NoSpy servers for extra privacy
    • 45-day money-back guarantee
  • Best For: Beginners and streaming fans.
  • PayPal Advantage: Fraud protection for secure transactions.

4. Surfshark

  • Why It Stands Out: Surfshark offers unlimited device connections at an affordable price, making it a budget-friendly powerhouse.
  • Key Features:
    • CleanWeb ad blocker
    • MultiHop (double VPN)
    • Camouflage Mode for stealth
  • Best For: Families and cost-conscious users.
  • PayPal Advantage: Easy recurring billing management.

5. Private Internet Access (PIA)

  • Why It Stands Out: PIA is a privacy titan with a court-proven no-logs policy and a huge server network (35,000+ servers).
  • Key Features:
    • Advanced split tunneling
    • SOCKS5 proxy
    • Unlimited connections
  • Best For: Privacy advocates and power users.
  • PayPal Advantage: Anonymous payments with PayPal’s privacy features.

6. ProtonVPN

  • Why It Stands Out: Built by the ProtonMail team, ProtonVPN focuses on security with its Secure Core feature, routing traffic through multiple servers.
  • Key Features:
    • Free plan option
    • Tor over VPN
    • AES-256 encryption
  • Best For: Security-focused users and activists.
  • PayPal Advantage: Encrypted checkout process.

7. Mullvad

  • Why It Stands Out: Mullvad is all about anonymity, offering anonymous account creation and even cash payment options alongside PayPal.
  • Key Features:
    • WireGuard protocol
    • Multi-hop connections
    • Strict no-logs policy
  • Best For: Anonymity seekers.
  • PayPal Advantage: Secure payments with cash as a backup option.

8. IVPN

  • Why It Stands Out: IVPN is another privacy-first VPN with a no-logs policy and multi-hop capabilities.
  • Key Features:
    • AntiTracker for ad blocking
    • Port forwarding
    • Cash payment option
  • Best For: Tech-savvy privacy lovers.
  • PayPal Advantage: Buyer protection for secure purchases.

9. TunnelBear

  • Why It Stands Out: TunnelBear’s fun, intuitive interface makes it perfect for VPN newbies. It also offers a free plan to try before you buy.
  • Key Features:
    • VigilantBear (kill switch)
    • GhostBear (obfuscation)
    • Independent audits
  • Best For: Beginners and casual users.
  • PayPal Advantage: Easy upgrades from free to paid plans.

10. Hotspot Shield

  • Why It Stands Out: Hotspot Shield boasts top speeds with its Hydra protocol, ideal for streaming and gaming.
  • Key Features:
    • 1,800+ servers in 80+ countries
    • Free plan available
    • Malware protection
  • Best For: Speed seekers and streamers.
  • PayPal Advantage: Quick, secure transactions.

11. Atlas VPN

  • Why It Stands Out: Atlas VPN is a newer service with a free plan and affordable pricing, perfect for budget users.
  • Key Features:
    • SafeSwap rotating IPs
    • Unlimited connections
    • Streaming-optimized servers
  • Best For: Budget-conscious streamers.
  • PayPal Advantage: One-click payment ease.

12. Windscribe

  • Why It Stands Out: Windscribe offers a generous free plan (10GB/month) and robust paid features at a low cost.
  • Key Features:
    • R.O.B.E.R.T. ad blocker
    • Split tunneling
    • Unlimited connections
  • Best For: Free plan testers.
  • PayPal Advantage: Secure payment encryption.

13. Hide.me

  • Why It Stands Out: Hide.me combines a free plan with strong security features like a no-logs policy and multi-hop connections.
  • Key Features:
    • Stealth Guard (app-specific VPN)
    • Bolt (fast connections)
    • 24/7 support
  • Best For: Privacy users on a budget.
  • PayPal Advantage: Easy plan upgrades.

14. VyprVPN

  • Why It Stands Out: VyprVPN’s Chameleon protocol bypasses VPN blocks, making it ideal for restrictive regions.
  • Key Features:
    • 700+ servers in 70+ countries
    • Public Wi-Fi protection
    • 30-day money-back guarantee
  • Best For: Users in censored areas.
  • PayPal Advantage: Fraud protection included.

15. IPVanish

  • Why It Stands Out: IPVanish offers fast speeds and strong security, perfect for gaming and streaming.
  • Key Features:
    • 2,000+ servers in 75+ locations
    • Unlimited connections
    • SOCKS5 proxy
  • Best For: Gamers and streamers.
  • PayPal Advantage: Secure, swift checkout.

How to Pick the Perfect VPN for You

With 15 stellar options, choosing the right VPN depends on your needs. Here’s a quick guide:

  • Security: Prioritize NordVPN, ProtonVPN, or PIA for top-notch encryption and privacy.
  • Streaming: ExpressVPN, CyberGhost, or Surfshark excel at unblocking content.
  • Budget: Surfshark, Atlas VPN, or Windscribe offer great value.
  • Ease of Use: TunnelBear or CyberGhost are beginner-friendly.
  • Speed: Hotspot Shield, IPVanish, or ExpressVPN deliver fast connections.

All these VPNs accept PayPal, so you can buy with confidence and start protecting your online life today.


Why This List Matters

Choosing a VPN that accepts PayPal isn’t just about convenience—it’s about aligning your payment method with your privacy goals. These 15 VPNs have been vetted for their performance, security, and PayPal compatibility, ensuring you get a reliable service without compromising your financial safety. Whether you’re safeguarding sensitive data or binge-watching your favorite series, this list has you covered.

Ready to take control of your online security? Pick one of these VPNs, fire up PayPal, and enjoy a safer, freer internet experience!

 

FAQs

 

 

What is a VPN and how does it work?

A VPN is a virtual private network that encrypts your internet traffic and hides your IP address. This allows you to browse the web anonymously and securely, and to access geo-restricted content from anywhere in the world.

 

Why should I use a VPN?

You should use a VPN to protect your online privacy and security, and to access geo-restricted content from anywhere in the world. A VPN also helps to protect you from potential cyber threats, such as hacking and identity theft, by encrypting your internet traffic.

 

Is it safe to buy a VPN with PayPal?

Yes, it is safe to buy a VPN with PayPal as long as you choose a reputable VPN provider that has a secure payment system. Make sure to only buy a VPN from a trusted source, and check the provider’s privacy policy to ensure that your information will be protected.

 

How do I know if a VPN is compatible with my device?

Most VPN providers will have information on their website about the compatibility of their VPN with different devices. You can also check the system requirements of the VPN to make sure that it will work with your device.

 

Can I use a VPN on all of my devices?

It depends on the VPN provider and the number of devices that you want to use the VPN on.

Some VPN providers offer multiple simultaneous connections, while others may only allow one device at a time. Make sure to check the provider’s website for information on device compatibility and the number of simultaneous connections allowed.

 

Will a VPN slow down my internet speed?

A VPN can potentially slow down your internet speed, but this will depend on the VPN provider and the server that you are connected to. Choosing a VPN with fast servers and a strong network infrastructure can help to minimize any potential speed reductions.

 

Can I use a VPN for free?

There are free VPNs available, but they may not be as secure or reliable as paid VPNs. Some free VPNs may also collect and sell your data, so it is important to choose a reputable VPN provider if you want to use a VPN for free.

Paid VPNs offer better security, privacy, and performance, so it is recommended to choose a paid VPN if you want the best possible VPN experience.

 

 

Fact Check

We strive to provide the latest valuable information for our readers with accuracy and fairness. If you would like to add to this post or advertise with us, don’t hesitate to contact us.

 

Remember to share this post!

 

If you see something that doesn’t look right, contact us!

 

Top 25 Highest-Paying Affiliate Programs for 2025

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Top 25 Highest-Paying Affiliate Programs for 2025

Are you ready to unlock a world of passive income and skyrocket your earnings in 2025? Picture this: earning hundreds—or even thousands—of dollars a month by simply sharing products you love, all while sipping coffee from the comfort of home.

With affiliate marketing projected to hit a staggering $12 billion industry value by 2025, there’s never been a better time to jump in. But here’s the catch: not all affiliate programs are created equal. How do you sift through the noise to find the goldmines?

Don’t worry—we’ve got you covered. In this in-depth guide, we’re unveiling the top 25 highest-paying affiliate programs for 2025, packed with commission rates, cookie durations, and insider tips on why they’re set to dominate. Whether you’re a newbie dipping your toes or a pro ready to scale, this article is your roadmap to affiliate success. Let’s dive in!


What Are Affiliate Programs and Why Should You Care?

Affiliate programs are like the ultimate side hustle dream: businesses team up with individuals (that’s you, the affiliate) and pay you a commission for driving sales, leads, or other actions through your marketing efforts. It’s a win-win—companies snag more customers, and you pocket cash without the hassle of creating products yourself.

Why does this matter? Because affiliate marketing is your ticket to earning money online with minimal upfront costs. No inventory, no customer service—just smart promotion. And with e-commerce and digital products exploding, 2025 is shaping up to be a banner year for high-paying opportunities. From software tools to travel bookings, there’s a program for every niche. Ready to find the best ones? First, let’s talk strategy.


How to Pick the Perfect Affiliate Program

Choosing the right affiliate program can feel overwhelming—like trying to pick the ripest apple in a massive orchard. But with a few key factors in mind, you’ll zero in on the winners:

  • Commission Rate: Aim for programs with high payouts or recurring commissions. More commission equals more money in your pocket.
  • Cookie Duration: This is the time window you have to earn a commission after someone clicks your link. Longer is better—30 days or more is ideal.
  • Relevance: Match the program to your audience’s interests. Promoting yoga gear to a fitness crowd? Perfect. Tech tools to foodies? Not so much.
  • Reputation: Stick with companies that pay on time and deliver quality. A shady program can tank your credibility.
  • Support: Look for programs offering promo materials, training, or a dedicated team to help you succeed.

Armed with this checklist, you’re ready to explore the cream of the crop. Let’s get to the good stuff—the top 25 highest-paying affiliate programs for 2025, broken down by category.


The Top 25 Highest-Paying Affiliate Programs for 2025

Here’s the lineup you’ve been waiting for. These programs are hand-picked for their lucrative commissions, strong reputations, and 2025-ready potential. I’ve grouped them by industry to make it easy to find your niche.

Software and Technology

 

  1. Semrush

    • Description: A powerhouse SEO and marketing toolkit for pros, offering everything from keyword research to competitor analysis.
    • Commission: $200 per sale, $10 per free trial signup.
    • Cookie Duration: 120 days.
    • Why It Rocks: Digital marketing is king in 2025, and Semrush is a go-to tool. That $200 commission is a hefty payday, and the 120-day cookie gives you plenty of time to cash in. Bonus: a free trial makes it an easy sell.
    • Sign Up: Semrush Affiliate Program
  2. HubSpot

    • Description: An all-in-one platform for marketing, sales, and CRM—perfect for businesses scaling up.
    • Commission: 15% recurring for up to one year.
    • Cookie Duration: 90 days.
    • Why It Rocks: Recurring commissions are the holy grail of passive income. Promote HubSpot once, and you could earn for a full year. Plus, its free CRM hooks new users fast.
    • Sign Up: HubSpot Affiliate Program
  3. ConvertKit

    • Description: Email marketing tailored for creators—bloggers, YouTubers, and podcasters love it.
    • Commission: 30% recurring commission.
    • Cookie Duration: 60 days.
    • Why It Rocks: The creator economy is booming, and ConvertKit’s recurring payouts mean steady income. A 14-day free trial seals the deal for conversions.
    • Sign Up: ConvertKit Affiliate Program
  4. Bluehost

    • Description: Top-tier web hosting with plans for bloggers, businesses, and beyond.
    • Commission: Up to $100 per sale.
    • Cookie Duration: 90 days.
    • Why It Rocks: Hosting is a must for any website, and Bluehost’s low starting price ($2.95/month) makes it a no-brainer. That $100 commission? Sweet.
    • Sign Up: Bluehost Affiliate Program
  5. Adobe
    • Description: Home of creative giants like Photoshop and Premiere Pro.
    • Commission: 85% of the first month (monthly plans), 8.33% (yearly plans).
    • Cookie Duration: 30 days.
    • Why It Rocks: Creatives swear by Adobe, and that 85% first-month commission is massive for high-ticket subscriptions.
    • Sign Up: Adobe Affiliate Program

Education and Online Courses

 

  1. Coursera

    • Description: Online courses from top universities—think Stanford and Yale.
    • Commission: 20-45% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: Online learning is hotter than ever, and Coursera’s prestige drives conversions. Affordable courses ($29+) mean more sales for you.
    • Sign Up: Coursera Affiliate Program
  2. Udemy

    • Description: A massive marketplace with 155,000+ courses on everything imaginable.
    • Commission: 15% per sale.
    • Cookie Duration: 7 days.
    • Why It Rocks: Udemy’s variety and frequent discounts make it a conversion machine. The short cookie duration is a bummer, but high volume balances it out.
    • Sign Up: Udemy Affiliate Program
  3. Teachable

    • Description: A platform for creating and selling online courses.
    • Commission: 30% recurring commission.
    • Cookie Duration: 90 days.
    • Why It Rocks: Course creators are a growing market, and recurring commissions keep the cash flowing. Long cookie life is a big plus.
    • Sign Up: Teachable Affiliate Program
  4. MasterClass

    • Description: Classes taught by icons like Gordon Ramsay and Serena Williams.
    • Commission: 25% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: The star power sells itself, and 25% on a premium product adds up fast.
    • Sign Up: MasterClass Affiliate Program
  5. Skillshare

    • Description: Creative and entrepreneurial classes for a vibrant community.
    • Commission: $10 per premium member signup.
    • Cookie Duration: 30 days.
    • Why It Rocks: A flat $10 per signup is simple, and Skillshare’s broad appeal drives signups.
    • Sign Up: Skillshare Affiliate Program

Travel and Hospitality

  1. Booking.com

    • Description: A travel giant for hotels, flights, and car rentals worldwide.
    • Commission: Up to 25% per booking.
    • Cookie Duration: 30 days.
    • Why It Rocks: Travel’s back in 2025, and Booking.com’s global reach means big earnings. High commissions on bookings? Yes, please.
    • Sign Up: Booking.com Affiliate Program
  2. TripAdvisor

    • Description: Reviews and bookings for hotels, eateries, and experiences.
    • Commission: Varies by booking.
    • Cookie Duration: 14 days.
    • Why It Rocks: Trusted by millions, TripAdvisor’s diverse offerings mean endless promo potential.
    • Sign Up: TripAdvisor Affiliate Program
  3. Expedia

    • Description: Full-service travel bookings—flights, hotels, and more.
    • Commission: Up to 7% per booking.
    • Cookie Duration: 30 days.
    • Why It Rocks: Expedia’s all-in-one approach and solid commissions make it a travel staple.
    • Sign Up: Expedia Affiliate Program
  4. Airbnb

    • Description: Unique stays and experiences in 220+ countries.
    • Commission: Varies by booking.
    • Cookie Duration: 30 days.
    • Why It Rocks: Airbnb’s quirky appeal draws travelers, and its global footprint boosts your reach.
    • Sign Up: Airbnb Affiliate Program
  5. VRBO

    • Description: Vacation rentals—think cozy cabins and beach houses.
    • Commission: 3% per booking.
    • Cookie Duration: 365 days.
    • Why It Rocks: A full-year cookie duration is unheard of—plenty of time for bookings to roll in.
    • Sign Up: VRBO Affiliate Program

Health and Wellness

  1. Organifi

    • Description: Superfood blends and supplements for health buffs.
    • Commission: 20% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: Wellness is trending, and Organifi’s quality products plus solid commissions make it a winner.
    • Sign Up: Organifi Affiliate Program
  2. Mindvalley

    • Description: Personal growth courses and programs for self-improvement seekers.
    • Commission: 30% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: High commissions and a booming self-help niche make Mindvalley a gem.
    • Sign Up: Mindvalley Affiliate Program
  3. Alo Yoga

    • Description: Premium yoga wear loved by fitness fans.
    • Commission: 7% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: High order values mean even a 7% commission packs a punch.
    • Sign Up: Alo Yoga Affiliate Program
  4. Gaiam

    • Description: Yoga gear and wellness goodies.
    • Commission: 10% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: A trusted name in wellness with a decent commission rate—perfect for fitness niches.
    • Sign Up: Gaiam Affiliate Program
  5. Bulletproof

    • Description: Coffee, supplements, and biohacking gear.
    • Commission: 10% per sale.
    • Cookie Duration: 30 days.
    • Why It Rocks: Bulletproof’s cult following and unique products drive sales effortlessly.
    • Sign Up: Bulletproof Affiliate Program

Finance and Investing

  1. Acorns

    • Description: Micro-investing app that turns spare change into investments.
    • Commission: $10 per referral.
    • Cookie Duration: 30 days.
    • Why It Rocks: Simple $10 per signup and a young, investing-curious audience make it a breeze to promote.
    • Sign Up: Acorns Affiliate Program
  2. Robinhood

    • Description: Commission-free trading for stocks and crypto.
    • Commission: Varies.
    • Cookie Duration: 30 days.
    • Why It Rocks: Retail investing is soaring, and Robinhood’s free model hooks newbies fast.
    • Sign Up: Robinhood Affiliate Program
  3. Coinbase

    • Description: A top crypto exchange for buying and selling digital currencies.
    • Commission: 50% of fees for the first three months.
    • Cookie Duration: 30 days.
    • Why It Rocks: Crypto’s still hot in 2025, and 50% of fees is a juicy payout.
    • Sign Up: Coinbase Affiliate Program
  4. Personal Capital

    • Description: Free financial tools and wealth management services.
    • Commission: $100 per qualified lead.
    • Cookie Duration: 30 days.
    • Why It Rocks: $100 per lead is huge, especially for a free-to-use platform.
    • Sign Up: Personal Capital Affiliate Program
  5. Credit Karma

    • Description: Free credit scores and financial insights.
    • Commission: Varies.
    • Cookie Duration: 30 days.
    • Why It Rocks: Everyone wants to check their credit, and Credit Karma’s free service is an easy sell.
    • Sign Up: Credit Karma Affiliate Program

A Personal Take: My Affiliate Journey

I stumbled into affiliate marketing a few years back, skeptical but curious. My first big win? Promoting Bluehost to my blog readers. One post about starting a website landed me $300 in a month—enough to cover my rent! It wasn’t overnight riches, but it showed me the power of picking the right program and knowing your audience.

These 25 programs are the kind I wish I’d known about back then—high-paying, reputable, and primed for 2025 success.


FAQs: Your Burning Questions Answered

 

1. What is affiliate marketing, anyway?

It’s a way to earn money by promoting other people’s products. Companies pay you a commission for every sale or action (like a signup) you drive through your unique links. Simple, yet powerful.

2. How do I get started with affiliate marketing?

Pick a niche you’re passionate about—like fitness or tech—then join a program from this list. Create content (blogs, videos, social posts) with your affiliate links and share it with your audience. Traffic = potential earnings.

3. How much can I really earn?

It depends. Some affiliates make a few hundred bucks a month as a side gig; others rake in six or seven figures with killer strategies. Your niche, audience size, and hustle level set the ceiling.

4. What are the best niches for affiliate marketing in 2025?

High-demand, low-competition niches rule. Think health and wellness, finance, tech, and education—areas where people are spending big and seeking solutions.

5. How do I promote affiliate products like a pro?

Focus on value. Write helpful blog posts, make engaging videos, or share tips on social media. Use SEO to boost visibility (hello, keywords like “best affiliate programs 2025”!), and build an email list to keep your audience hooked.


Wrapping It Up: Your 2025 Affiliate Game Plan

Affiliate marketing isn’t just a buzzword—it’s a legit way to build income streams that work while you sleep. The top 25 highest-paying affiliate programs for 2025 listed here are your launchpad, blending high commissions with products people actually want. From Semrush’s hefty $200 payouts to VRBO’s year-long cookie, there’s something for every niche and skill level.

Here’s my advice: start small, test a few programs, and double down on what clicks with your audience. I’ve seen firsthand how a single well-placed link can turn into a paycheck—now it’s your turn. Pick a program, craft some killer content, and watch 2025 become your most profitable year yet. Which one’s calling your name?

 


References

  1. Statista – Affiliate Marketing Statistics
    A deep dive into industry trends and projections.
    https://www.statista.com/topics/1918/affiliate-marketing/
  2. Neil Patel – The Ultimate Guide to Affiliate Marketing
    Expert insights from a digital marketing guru.
    https://neilpatel.com/what-is-affiliate-marketing/
  3. Authority Hacker – Top Affiliate Programs
    A trusted resource for affiliate marketers.
    https://www.authorityhacker.com/top-affiliate-programs/

Writing Essays Online – The Pros and Cons of Plagiarism

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Writing Essays Online - The Pros and Cons of Plagiarism

An report accuses some students to utilize online paid essay services to attempt to better their grades. Students may use these to attempt to improve their scores on standardized tests. Is this true? How does it work?

Academic researchers believe that students could be using essay writing solutions to attempt and boost their grades.

Top 20 ways on how to make money online for free and fast

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Top 20 ways on how to make money online for free and fast in 2021

How to make money online for free

There are many ways on how to make money online for free and fast; on moneyvest.com, you will find all the best ways to make money in your spare time while in college, based on your own experience. We will keep adding new ways to this page, so please bookmark it. And please, share your ideas in the comments!

Here are The Top 20 ways on how to make money online for free

1. No-risk matched betting

how to make money online for free - betting

I will tell you the easiest way to make lots of money (well, without breaking the law). Many students have made over £100 from this technique. It’s completely legal, risk-free, tax-free, and in the UK, anyone over the age of 18 can do it (if you’re not in the UK, skip to number 2).

It works by taking advantage of the free bets offered regularly by betting sites by “matching” them on betting exchanges. Matched betting eliminates the risk (you bet on a specific outcome and against a specific outcome).

See also: Top 10 best forex trading apps for 2021 

This will allows you to squeeze out free bets that could be as much as £100. Multiply this by how many betting sites there are, and you can easily make a profit of several hundred pounds.

Owen explains how to make your first £13 profit (using a real-life example) in this gem of a guide to matched betting. If you know of a better way to make £40 per hour at home, let us know.

2. Online surveys

An increasingly popular way for students to earn money is to fill out online surveys in their spare time. Survey companies are always looking for new members worldwide to fill out surveys and test new products.

With a few minutes of form filling, you can make 2 £ to be paid in cash or as a reward. Some surveys allow you to bag up to £3 ($5).

A few good ones to try are TolunaBranded SurveysLifePointsInboxPounds, OnePoll, i-Say, Opinion Outpost, Populus Live, YouGov, Pinecone, Valued Opinions, The Opinion Panel, Prizerebel, Marketagent, Mingle, Opinion Bureau, SurveyBods, Panel Base, Survey Junkie.

Also, sign up for Swagbucks, which rewards you for various surveys as simple as surfing the web, watching videos online, and playing games.

3. Paid for searching the web

Are you interested in earning cash to do what you are already doing online? This has to be one of the easiest ways to make money online without actually working hard or changing your behavior.

This innovative idea by Qmee.com rewards you with a search on Google, Bing, Yahoo, Amazon, and eBay. All you have to do is install a simple add-on to your browser, and when you run a search, you may see some sponsored results alongside your regular search.

qmee paid search

Each Qmee result has a cash reward attached to it. If you are interested, click on it to collect your reward.

The best thing is that there is no minimum amount of cash out – our first one was 72p wired to our Paypal account. You also have the option to donate to charity.

Sign up now for free, and start earning from your searches! Click here to get started.

4. Online market trading

While this is not necessarily an easy way to make money, investing in the stock market can be lucrative if you learn to do it properly and safely. Likewise, if you don’t take it seriously, you could suffer significant losses.

Today, there is no need to fund a Wolf of Wall Street-style stock broker’s yacht. You can do it all by yourself with the help of online market trading platforms.

how to make money online for free - online market trading

Having spent many hours researching this new opportunity, I have tried the popular platform eToro.com.

eToro has over 12 million users worldwide and offers a free practice account. It was featured in the BBC 2 documentary “Traders: Millions by the Minute” and sponsors several Premier League soccer clubs.

eToro stock trading is currently not available in the United States.

etoro trading

One of the best things about eToro is its CopyTrader feature. This allows you to see, track, and copy the investments of other top-performing traders.

For more information, follow George’s complete guide to trading with eToro. I think $200 is the right amount of money to try out a few different markets and get the most out of your learning curve. If nothing else, you will learn a lot about different investments and industries.

Keep in mind that all trading involves risk. eToro is a multi-asset platform that offers absolute asset ownership and high-risk leveraged “CFD” products. When trading CFDs with this provider, 67% of retail investor accounts lose money. You need to consider if you can afford to take the high risk of losing your money. This content is not financial or investment advice.

How to make money online for free

5. Start your own website

Are you interested in generating passive income? You need a website. It’s a way to make money while you sleep.

It takes less than 20 minutes to start a website using Bluehost, costs very little, and can be done by an 82-year-old. It only takes a few social media connections to get your first visit, and there are many ways to monetize your site.

Save the Student is just one example of a successful website that was started by Owen Burek during his first year in college and has since grown into a full-time, large-scale enterprise.

Read Owen’s step-by-step guide on how to start a website in 20 minutes. It really is one of the best assets you can have.

6. Review websites & test apps for cash

Okay, you seem to be pretty nifty with your web browser, so maybe it’s time to turn pro and view websites as a paying, fun job!

Introducing UserTesting.com – a new platform that pays everyday people to review websites of all kinds. Each review takes about 20 minutes and bags you $10 (£6.50) via Paypal.

Sign up here, complete a test review, and look forward to receiving websites in your inbox.

7. The ‘Disney Vault’ secret

disney vault

To maintain high demand for generations to come, Disney Studios has carefully limited the supply of some home release classics. They will be locked away in a “vault” for 8-10 years and then released for an unspecified short period.

Buying them at standard retail prices during this window will allow you to make a nice profit when they are no longer available for another decade or so.

Disney vaultFor example, in 2011, you can buy Beauty and the beast on Blu-ray 3D for just £24.99. In just a few years, it was on Amazon for a staggering £74.99!

It’s important to note that not all Disney releases are eligible for the Vault, and only the true classics will maintain such demand.

Currently, there are only two titles on the vault, but I recommend snagging them. They are the Bambi Diamond Edition Blu-ray and The Lion King Diamond Edition Blu-ray.

8. ‘Get Paid To’ visit sites

This one is similar to making money from online surveys; GPT sites reward you with cash and vouchers for completing various offers and activities online.  Get paid to sites is one of the good ways to how to make money online for free.

The most popular sites today for getting paid to sites are TolunaSwagbucks, and InboxPounds.

9. Write and publish a Kindle eBook

If a student is good at anything, it is research and writing. With the Kindle Store, anyone can publish ebooks and make money on Amazon.

Also, the Kindle app is now available on almost every device (laptops, iPads, smartphones, and yes, the Kindle), so the global market is enormous.

List your book for £1.49-£6.99, and you will get 70% of the sales. Given that Amazon is the ultimate sales machine (and don’t forget that people want to use it), it’s a great deal.

kindle ebooks

The key to success with ebooks is to create value and write non-fiction. Simply bundling researched and edited information about a common problem (e.g., the “secret” to finding a job) and presenting it in an easily digestible format (eBook) will justify someone spending a few pounds on it.

Another important tip is to design an excellent cover that will stand out (see these). Also, once you have published your book on the Kindle store, it is vital to get reviews and appear at the top of the results. Encourage your readers to leave an honest review at the end of your book.

The best part about this lucrative idea is that if you invest the time (say, 20 hours), you will earn passive income for years to come.

For more tips, see our guide to making money from ebooks.

10. How to make money online for free – Affiliate marketing

Whether you have a solid social media presence or a blog or website, promoting all kinds of companies, products, services, and offers online can bring in money quickly.

You can Sign-up as a publisher on the Awin affiliate network, check the Offers blog, browse the Merchant List to find something you think your friends would be interested in, and then get and share your affiliate link.

If someone or a customer makes a purchase using your link (it could be up to 90 days), you’ll earn yourself a really nice commission.

To take the affiliate program it a step further, set up an excellent website or a topical Facebook page, invite all your friends, and post your affiliate links offer there.

 

11. Sell your Gigs on Fiverr Platform

Fiverr is now considered the world’s largest marketplace for people to make cool money selling small services (also known as “gigs”).

The offerings can be absolutely anything, from writing and translating, posting to social media, playing pranks, teaching, creating music, voiceovers, and short video clips for people worldwide.

The default price is $5. But you can add additional services to your gig and make more money. 

It may not seem like much, but it can add up very quickly, and there are plenty of examples of people making an excellent living from the site.

The key is to have a system in place that minimizes the amount of time you spend on each gig.

how to make money online for free - make money on fiver

However, there is another way to get even more profit from Fiverr, potentially much less work. How? You can simply resell your gigs else-where. 

For a simple example, find a decent logo designer and reply to a job posting on the Upwork platform or a local job board. A $5 expenditure can quickly turn into $50 or more and is repeatable.

If you’re not interested in selling at all, there are so many good things you can accomplish for yourself. Browse through and get inspired.

 

12. Review music for money

If you love music, make it your business by reviewing unsigned bands and artists online for cash with Slicethepie.

It could take a while to build up your reputation, but some site users have said that they earn £40 a month. This may certainly not sound like much to you, but if it’s something you would enjoy doing, it shouldn’t be considered hard work and another thing, it will give your C.V. boost

The money you earn will be in $US, but anyone can sign up and review. Reviewing music for money is one of the good ways to how to make money online for free.

slicethepie

To get started, head over to Slicethepie now or read our quick guide for more info.

13. How to make money online for free – Selling your notes

If you don’t mind sharing your notes with other students, it’s a great way to generate a little extra cash. There are sites out there that allow you to upload your notes along with your price, and then when other students download them, you receive payment.

Most of these sites, such as Nexus Notes and Stuvia, allow you to list your notes for free, but you don’t have to advertise your notes yourself, as they tend to cut their profits to handle marketing and such.

Most require you to upload a PDF, but it is worth returning and you can send handwritten notes, but you can make more money typing them.

14. Buying and Selling Domain Names

A domain name is just a website address (e.g., “savethestudent.org” or “mysite.co.uk”) and can have many extensions (.com, .net, .co.Uk, etc.).

It costs only $0.99 to register with GoDaddy.com, but premium domain names can fetch $1,000, if not millions, at the time of sale. In 2007, VacationRentals.com was $35 million!

Now, you probably won’t come across anything like that, but you can still make a quick profit with a bit of searching. The secret is to find available domain names with commercial value, snap them up, and list them for sale on sites like Sedo.com.

15. Sell your knowledge!

Becoming a tutor for other students is easier than ever. Until recently, your market was limited to local face-to-face sessions, but thanks to online tutoring sites, you can go global!

With Udemy, anyone can create an online course (literally anything!) and then sell it to other people. With Udemy, anyone can create an online course (literally anything!) and get paid forever when a user takes the course.

For one-on-one tutoring, list yourself on Superprof.com and UKTutors.

You can expect to earn more than £10 per hour, and you don’t need to be qualified to teach young GCSE or A-level students. Start with our guide to making money as a tutor.

How to make money online for free

16. Sell Your Photos

If you think you have a good shot and a bit of creativity, try uploading your photos to stock websites for free. A good starting point is AdobeStock or GettyImages.

17. How to make money online for free – Freelance Work

Maybe you enjoy writing and managing Facebook pages in your spare time or doing a little graphic design. There are plenty of freelance jobs that require only simple skills and time that someone else may not have.

And the best thing about freelancing is that you can work for clients in the UK and worldwide just by connecting to the internet from home to your own time while gaining valuable skills.

how to make money online for free - up work and fiver

A great place to start is the leading freelance site Upwork.com. Or try using the student job search to find freelance jobs closer to home.

18. How to make money online for free: YouTube Video

YouTube logoRecent statistics show that people now watch more videos on YouTube than they do on Google.

And with the recently introduced YouTube Partner Program, you can profit from creating and uploading your videos. For every 1,000 views, you receive a percentage of the ad revenue collected.

With the recently launched YouTube Partner Program, creators can monetize their videos through ad revenue. Enhance your content with FlexClip’s advanced features like AI text-to-video conversion, auto subtitles, and advanced editing tools such as Chroma Key and Reverse Video, Freeze Frame.

Depending on how successful you are (virality, subscriber base, topic), you can make a lot of money, and there are plenty of stories every week of more and more YouTubers making it their career.

For more tips, please read our guide to making money from YouTube.

19. Watch the video

If creating a video seems like a daunting task, getting paid to watch videos online has to be one of the easiest ways ever.

“Swagbucks and InboxPounds are the most popular websites, and they want you to watch things like ads and videos to go viral.

Consider typing subtitles for movies or writing movie reviews as a freelancer for more complex and rewarding opportunities.

If watching videos and movies is your goal and you want to increase your income, go to the complete list of ways to make money from watching videos.

20. Bitcoin and Cryptocurrency

how to make money online for free - Bitcoin and Cryptocurrency

Update. We are being asked more and more about making money from Bitcoin (and other cryptocurrencies). Given the ever-increasing hype and stories of kids making millions, this should not be a surprise.

Don’t rush to buy bitcoin to make money. It is vital to know what you are getting involved in. Read our how-to-buy bitcoin tutorial that explains everything you need to know.

See also: 52-week money savings challenge – ways to save lots of money.

Fact Check

We strive to provide the latest valuable information for our readers with accuracy and fairness. If you would like to add to this post or advertise with us, don’t hesitate to contact us.  If you see something that doesn’t look right, contact us!

Reference: Savethestudent.org

Navigating Corporate Tax Registration in the UAE: Gulf Business Solutions LLC

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Navigating Corporate Tax Registration in the UAE: Gulf Business Solutions LLC

In this dynamic market, with respect to UAE’s maze of corporate tax regulations, it is important for every business operating here to understand how corporate tax registration can be an answer.

This is because the UAE has a new tax environment which no other countries have such as; Value Added Tax (VAT) and Economic Substance Regulations (ESR).

In that case, getting to know how you can do your corporate tax registration, Gulf Business Solutions LLC help you keep up with the rules and also be a good business entity.

Business Tax Registration:

This process means that your business officially registers itself with the government so that it meets its duties in terms of taxes. It’s not only about obedience but even more for transparency and accountability within firms in UAE business industry.

Here’s a quick overview of the key steps to corporate tax registration:

  • Know Your Business Structure
  • Obtain a Tax Registration Number (TRN)
  • Understand Economic Substance Regulations (ESR)
  • Register with Relevant Authorities

A company like Gulf Business Solutions LLC can assist you with the corporate tax registration process very easily. The professional team, which is aware of all UAE tax legislation, will ensure that your registration services are error-free and your business is fully compliant and ready to grow in the UAE market.

Fact Check

We strive to provide the latest valuable information for our readers with accuracy and fairness. If you would like to add to this post or advertise with us, don’t hesitate to contact us.  If you see something that doesn’t look right, contact us!

Can You Make Money on TikTok? – 5 Tips You Need to Know in 2022

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Can You Make Money on TikTok?

 

If you’re wondering, “Can you make money on TikTok?”, here are three ways to do it.

The Chinese version of TikTok, Douyin, is similar to QVC, but creators can attach a shopping cart to their product. The platform is expected to expand to global accounts soon.

TikTok creators can sell merchandise and influencer campaigns through their channel.

Sellfy

If you’re looking for a way to make money on TikTok, you’ve come to the right place. Sellfy lets you sell anything from prints to match. There are some tips to follow to make your sale as profitable as possible.

First, create a store page. Copy the link to your store page and place it in your bio. It’s as easy as that!

Create unlimited digital products for sale on Sellfy. You can sell all kinds of digital products, like music, photos, videos, and more.

You can choose to sell a single item, or sell your entire catalog. Sellfy takes care of everything, including payment processing, order fulfillment, and shipping.

You can upload as many products as you want, and the platform will automatically handle all the rest.

Use Sellfy’s customizable pricing system. You can price your digital products at whatever level you feel comfortable with. The pricing structure is broken into three tiers: Basic, Pro, and Unlimited.

The Basic tier includes everything you need to sell digital products and offers recurring monthly payments, so you can earn more money without hiring employees.

If you’re looking to earn more money on Tiktok without hiring someone to work for you, Sellfy is an excellent choice.

When selling merchandise on TikTok, you must remember that it’s important not to overwhelm your audience. TikTok is all about connecting with your audience and creating a genuine connection with them. This way, you can solidify your place in the growing creator’s economy.

You can sell merchandise on TikTok without sacrificing your personal brand. You’ll also build a loyal following that you can sell to others.

TikTok’s branded content toggle

If you’re wondering if you can make money on TikTok, here are some strategies to consider. Firstly, understand the concept of branded content.

Branded content is content that promotes goods and services through a partnership or endorsement. It is also known as “sponsored content.” Its aim is to make users aware of a commercial relationship between a company and its audience.

To begin, create a branded video. In this video, you must have a commercial license and use music from the Commercial Music library.

You should also ensure that the rights of the music you use are properly credited. Branded content should be transparent and not be too overt.

Using branded content is a great way to make money on TikTok, but be careful not to overdo it or risk being banned.

In order to make money on TikTok, you must engage with your audience. If you have a loyal following, make sure to respond to their comments.

Don’t forget to personalize your comments and thank them for their support.

You want to build a long-lasting relationship with your audience. For this, you should make use of the TikTok live feature.

This feature allows you to collect data on your viewers, including their gender, location, and other demographics.

Once you have gathered this information, you can use it to create a more engaging content.

The other way to monetize your content on TikTok is to make videos with a high audience. Create videos centered around popular topics and gain loyal followers. Once you have established a following, you can sell your videos to a larger audience.

The best way to get started is to follow popular TikTok users, and then use their popularity to generate profit.

Selling merchandise

One of the best ways to make money online is to sell merchandise. TikTok is a video-sharing app that allows you to sell various products. After setting up your account, create your content by choosing a Business account.

You should search for relevant hashtags and engage your audience. You can also encourage users to make their own videos featuring your products. There are many tips and tricks to make your business successful on TikTok.

Research your market and find the right audience. Make sure your merchandise is appealing to your target market and easy to buy.

There are numerous e-commerce platforms available to sell merchandise on TikTok.

For example, Shopify and Spreadshop allow you to sell any type of product. Once you find your audience, use these resources to promote your business. By putting your TikTok storefront front and center, you can attract a wide audience and make money.

Start small. Sell merch on TikTok by creating a shopify account and adding a link to your profile.

You don’t need a huge audience to sell merch.

Even if you only have a small number of followers, you can get started quickly and earn enough money to pay your phone bill.

If you want to earn more money quickly, sell merch on other platforms, but keep in mind that you may not make millions from selling on TikTok.

Create content related to your products. The more content you create, the more likely you’ll have people interested in your product.

TikTok is also a great place to promote your merchandise. You can post videos related to your merchandise and then sell them to followers. This is an easy way to make money and increase your brand’s visibility. With little overhead and the right marketing strategies, selling merchandise on TikTok can be both rewarding and profitable.

Getting followers

You can begin to earn money on TikTok by having a high follower count. If you have a hundred or more followers, you can start creating live videos and interacting with your audience.

By creating interactive videos, you will engage your audience and make it more likely that they will become subscribers.

As your follower count grows, you can also collaborate with brands to promote their products and gain even more exposure.

Once you have at least a thousand followers, you can begin monetizing your TikTok account. To do this, you can find brands who are willing to sponsor your content and become a popular celebrity.

If you can get more than a thousand followers, you can convert your fans’ diamonds into cash. You can then withdraw your earnings using supported payment services. This can be as much as $1,000 a week!

To earn on TikTok, you need to make your content interesting to your audience. If you can’t provide a value, your followers will not be interested.

A good example of this is Adam Ragusea. He makes videos on cooking and shares recipes with his fans. He makes them look healthy and contain no fat. This way, you’ll earn from every post. If you do this, you’ll be able to earn on TikTok more than you would otherwise.

Creating a good TikTok account is the most important step in making money on the platform. It’s important to build a solid content strategy, engage with your followers regularly and provide useful advice on engaging with them.

By creating interesting content, you can start making money on TikTok in no time. You’ll have enough followers to get the ball rolling. Once you’ve created a great video, you’ll be able to sell it and get paid from it.

Managing your community

If you want to start making money on TikTok, you can use one of the new platforms. One of the newest is the TikTok Creator Fund. It will pay you for your videos.

When users click on the link to purchase a product, they will be redirected to the merchant’s Shopify store.

If your videos generate a sale, you’ll get paid a fee on TikTok. You’ll need to get a business account if you want to earn money on the platform.

Managing your community is critical to making money on TikTok. You can begin by engaging with your community and live streaming.

Using videos to sell merchandise is an excellent way to gain a following. You can showcase your products and show how they are produced.

By creating a community that is genuinely interested in what you do, you will have a loyal audience and the confidence to promote your content.

Besides earning money on TikTok, you can also participate in the TikTok Creator Marketplace. This marketplace connects brands with TikTok creators to create and post sponsored content.

After gaining more followers, you can start getting paid from advertisers.

As an advertiser, you can post sponsored content on your TikTok channel, sell your own products, and even appear in brand-sponsored events and perform live for them.

Managing your community to make money on TikTok is not an easy task, but with a little effort and the following tips, you can achieve your goal of earning money on TikTok.

TikTok creators can earn money by accepting donations or live-streaming videos. They can cash out their rewards through PayPal.

They can also sell their own products to their viewers on TikTok by launching in-app purchases.

This is a great way to make money on TikTok without any technical knowledge or marketing skills. You can also use TikTok to create a brand video.

One of the great things about the app is that it has a built-in shopping cart for the viewers.

 

 

 

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How to properly manage your money like the Rich – Top 20 Ways to do it

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Top 20 Ways on How to Manage Your Money Properly Like the Rich

How to Manage Your Money Properly like the Rich

 

 

Аlthоugh mоney саn’t buy yоu hаррiness, it саn рrоvide а sense оf seсurity. Leаrn hоw tо mаnаge yоur mоney effeсtively tоdаy!

Withоut аn оverview оf mоney mаnаgement, yоu mаy аlwаys feel like yоur life is just оne steр аwаy frоm а finаnсiаl сliff.

In fасt, 25% оf Аmeriсаns reроrt wоrrying аbоut mоney аll the time, аnd studies shоw thаt twо-thirds оf Аmeriсаns wоuld struggle tо find $1,000 fоr а finаnсiаl сrisis.

Yоu definitely wаnt tо аvоid being in these situаtiоns. This meаns knоwing hоw tо mаnаge yоur mоney.

If yоu dоn’t mаnаge yоur finаnсes well, life mаy nоt get eаsier, but yоu will hаve mоre time tо fосus оn imроrtаnt things in yоur life. The sоund оf рооr mоney mаnаgement sоunds evil, аnd yоu рrоbаbly dоn’t wаnt аnything tо dо with it.

However, a large percentage of Americans don’t manage their money properly.

Some sources report that Americans are pretty bad about their finances compared to other developed countries.

 

However, there is hope for you if you find yourself in this group.

There are some proven strategies you can use to learn how to properly manage your money.

 

Let’s take a look at them.

 

А very sоlid mоney mаnаgement рlаn саn be the light аt the end оf the tunnel fоr рeорle trying tо get their finаnсiаl lives in оrder.

If yоu’re like me аnd hаve multiрle bаnk ассоunts, сredit саrds, аn IRА, аnd the like, it саn оften be dаunting аnd diffiсult tо get а hаndle оn аnd fully understаnd yоur рersоnаl finаnсiаl stаte.

Hоwever, if yоu dоn’t tаke the right steрs tо get оrgаnized аnd асtuаlly leаrn wаys tо better mаnаge yоur finаnсes, yоu will feel like yоu аre swimming аgаinst the tide.

how to manage your money tips

Managing your money, like anything else, takes time to understand and improve.

mastering it also takes commitment and a solid understanding of your financial situation. These are the first steps to effective money management.

Anyone and everyone who has ever taken control of their finances have been through this. and it’s vitally important to get your financial life in order sooner rather than later.

 

 

Here are 20 basic steps on How to Manage Your Money:

 

 

1. Open A Bank Account

It’s imроrtаnt tо hаve bоth а сheсking ассоunt аnd а sаvings ассоunt sо yоu саn eаsily seраrаte yоur саsh frоm lоng-term sаvings.

If yоu simрly leаve yоur sаvings in yоur сheсking ассоunt, it’s аll tоо eаsy tо ассidentаlly sрend yоur hаrd-eаrned sаvings.

 

2. Take stock of your current financial situation

Although it can be scary, the only way to improve your financial situation is to take stock of your current situation.

It is better tо be brutаlly hоnest with yоurself аbоut оutstаnding debt оr high exрenses thаt аre strаining yоur budget.

Сelebrаte yоur gооd finаnсiаl deсisiоns. Write everything dоwn sо yоu саn see the whоle рiсture.

 

3. Make a plan for your money.

Without a plan, it’s extremely easy to lose money. After all, the logic of treating yourself is easy to understand. If you agree to too many unnecessary expenses, you may be disappointed with your savings.

Take time to create a budget to counteract this. Plan where you want to use your money.

In addition to your daily expenses, think about your savings goals for the future. You also want to find a budgeting method that works for you.

 

4. Set money goals.

If you’re serious about your money, it’s a good idea to set goals. Think about where you want to be financial. There is no wrong answer, but you need to take a minute to think about your plans and how the money would play into them.

Once you have an idea of how the money will play into your life, make clear and specific goals for your money.

 

5. Check in with your income finances every day.

Yоu саn’t mаke рrоgress withоut knоwing where yоu stаnd. Tаke five minutes eасh dаy tо сheсk in with yоur budget.

Аre yоu sрending tоо muсh? Аre yоu оn trасk with yоur inсоme аnd finаnсes? It’s very imроrtаnt tо knоw.

It mаy sоund a bit tediоus tо сheсk in оn yоur finаnсiаl situаtiоn every single dаy. Hоwever, it dоesn’t hаve tо tаke lоng. Use аn арр оr sрreаdsheet tо quiсkly determine hоw yоu’re dоing finаnсiаlly аnd get bасk tо yоur life.

 

6. Manage your spending.

When you take a closer look at your finances, take a look at your spending.

Look for expenses that you can cut out of your monthly budget. Even if you cut out unnecessary expenses as small as $20 from your budget, you can save $240 per year.

Some simple ideas for things to cut out could be work lunches, a box subscription, or your cable package.

 

7. Take a look at your income

This may seem obvious, but it’s important to understand exactly what you earn. Take a minute to figure out your net income after taxes, not just your gross income.

This number will help you budget more accurately.

If you are disappointed with your overall income, consider a side hustle. A lucrative work-from-home job can fit into your schedule and help improve your finances dramatically.

Another way to boost your income is to negotiate your salary. Don’t be afraid to approach your supervisor with data to support your request for a raise. You never know what they may be able to offer.

 

8. Start paying off your debts.

Debt is а huge finаnсiаl burden. Nоt оnly dоes it аffeсt yоur сurrent budget, but it аlsо аffeсts yоur sаvings fоr the future.

Tаke yоur debt seriоusly аnd mаke it а роint tо раy оff yоur debt. You should cоnsider different debt reраyment strаtegies аnd сhооse оne thаt wоrks best fоr yоu.

Don’t let debt stand between you and your other financial goals. Create a plan today to address this issue.

 

9. Try to understand your credit score

Your credit score is a three-digit number that can have a big impact on your finances. Lenders are willing to offer better credit terms and lower interest rates to borrowers with high credit scores.

If you’re applying for large loans like a mortgage, a small interest rate cut can save you thousands of dollars.

Take steps to improve your credit score. Pull your credit report first to look for errors, and use a credit monitoring service to avoid future mistakes.

Other ways to improve your credit score include making on-time payments and keeping your credit utilization low.

A good credit-builder account can help you rebuild your credit and avoid new debt!

 

 

How to Manage Your Money Wisely

 

 

10. Build an emergency fund

Аn emergenсy fund саn be аbsоlutely сritiсаl. Unfоrtunаtely, life соmes with big соsts when yоu leаst exрeсt it.

Usuаlly, these emergenсy соsts аre аssосiаted with unрleаsаnt events suсh аs а hоsрitаl visit оr jоb lоss. Yоu never knоw when аn emergenсy will оссur in yоur life, but yоu саn рreраre fоr it.

Mаke it а рriоrity tо рut mоney intо yоur emergenсy fund with eасh раyсheсk. Mаny exрerts reсоmmend sаving three tо six mоnths оf exрenses in yоur emergenсy fund.

Hоwever, this deрends оn yоur risk tоlerаnсe. If yоu wоuld feel better with mоre sаvings, yоu саn аdd mоre tо yоur emergenсy fund.

Set uр а seраrаte sаvings ассоunt tо sаve yоur emergenсy fund. Оtherwise, it’s tоо eаsy tо sрend thоse funds.

When аn emergenсy strikes, yоu wоn’t hаve tо wоrry аbоut the finаnсiаl side оf the equаtiоn. Insteаd, yоu саn fосus оn the emergenсy. Yоu will thаnk yоurself lаter fоr tаking this steр.

 

11. Plan for big expenses

While some expenses are unpredictable, you can plan other expenses months in advance.

For example, you may have to pay for insurance at the same time, which can cost thousands of dollars.

Create a sinking fund instead of scrambling to find the funds for this bill.

Yоu саn sаve eасh раyсheсk fоr these big bills tо mаke sure yоu hаve enоugh tо соver them. This is where finаnсiаl budgeting соmes in hаndy.

Yоu саn аdd thаt sinking fund tо yоur budget аnd never hаve tо wоrry аbоut big uрсоming exрenses аgаin.

 

12. Shop around for big purchases.

When shopping for a big purchase, make sure to shop around. Although it will be an investment of time, you could save thousands.

For example, if you’re buying a car, you’ll need to look at several cars and compare quotes. Don’t just accept the first offer. Make sure you get a good deal.

 

13. Contribute to your retirement

Saving for retirement may seem unnecessary now. After all, you won’t retire for decades.

However, it is imperative that you start saving for retirement as early as possible.

At the very least, you should start making contributions to employer-sponsored retirement plans. Make sure you take advantage of any matching funds offered by your employer.

If you are not fortunate enough to receive matching funds, consider contributing to a Roth IRA instead. Make a contribution with each paycheck to help you reach your retirement goals each year.

 

14. How to Manage Your Money – Start investing

If you plan to build wealth over the long term, investing is a key element of that. Investing over a long period of time can lead to amazing returns.

You can slowly increase your money by investing more each year.

If you’re not sure where to start investing, consider our free course. You’ll learn everything you need to know about investing your first dollar.

 

15. Compare insurance options

Insurance can be expensive, especially if you are properly insured. Review your insurance options at least once a year. You may be able to find a better deal on insurance by looking at different providers.

Take a minute to confirm that you are adequately insured while you are looking into insurance. Besides the basics like healthcare and getting the best cheap car insurance.

Consider renters insurance, homeowners insurance, life insurance, and disability insurance. You may need to add additional policies to your insurance coverage to enhance your protection.

 

16. How to Manage Your Money – Find your reason

Keeping track of your finances requires a certain amount of time and effort. At some point, you’ll probably feel like giving up. It’s a natural feeling.

The best way to avoid burning out on your personal finances is to find your reason. Why do you want to learn how to manage your money? Why are you taking steps to improve yourself financially?

Some common reasons are to get rid of oppressive debt, become financially independent, and spend more time doing the things that make you shine.

Whatever your reason, make sure you have one. Take a minute to understand why. Go beyond simply wanting more money to understanding why you want more money.

 

17. Build your knowledge

The more you know about personal finance, the better. Seriously, more knowledge about personal finance will never hurt you. You can use any new information you learn to make adjustments to your personal finances.

Luckily, there are countless personal finance resources out there. Podcasts and books are two great sources of information.

 

18. Find someone to be responsible.

Hаving sоmeоne in сhаrge саn helр yоu stаy оn tор оf things. Find sоmeоne with similаr finаnсiаl gоаls. Yоu саn сheсk in with eасh оther weekly оr mоnthly tо reроrt оn рrоgress tоwаrd yоur finаnсiаl gоаls.

Just hаving sоmeоne tо tаlk tо аbоut yоur finаnсes is helрful. Оur sосiety hаs deсided thаt tаlking аbоut finаnсes is аlmоst tаbоо. They just dоn’t tаlk аbоut it in everydаy соnversаtiоn. With sоmeоne in сhаrge, the wаlls саn соme dоwn.

Yоu саn tаlk freely аbоut yоur рersоnаl finаnсes аnd shаre yоur struggles аlоng the wаy.

Yоu’ll be surрrised hоw muсh а buddy саn helр. Nоt оnly аre yоu mоre likely tо рrevаil, but yоu’ll build а friendshiр аt the sаme time.

 

19. Use a Personal Finance App or Tool

Your income and finances are already complicated enough, try to keep them uncomplicated.

 

How does it work Your finances are already complicated?

Stаrt by getting with the times аnd рutting аwаy yоur аbасus оr Саsiо саlсulаtоr. There аre new аnd free tооls thаt shоw yоu hоw tо mаnаge mоney аnd dо the hаrd budgeting аnd mаth.

With mаny tооls like Quiсken fоr Windоws оr the free MоneyStrаnds арр, yоu саn sаfely соnsоlidаte, mаnаge аnd соntrоl yоur mоney in оne рlасe.

With MоneyStrаnds, yоu саn ассess аll yоur ассоunt bаlаnсes, finаnсiаl trаnsасtiоns, sрending hаbits, аnd budgets, аnd use аll thаt infоrmаtiоn tо mаke smаrter deсisiоns аnd асhieve yоur finаnсiаl gоаls.

 

20 . Remember to give back

When you start to get your finances under control, it’s time to give back. By setting aside time or money to donate, you can make an impact wherever you want.

When you manage your finances properly, you can spend more time and money on the causes you care about.

Even if all you can do is help spread your newfound knowledge about personal finance, it could be a valuable gift to someone who needs help.

 

 

Bottom line – Take Action…..

Managing your finances doesn’t have to be difficult, but you do need to get started. Don’t let your finances get out of control before you start managing them in earnest.

Small actions along the way can prevent a major financial disaster in the future.

Mаke the right сhоiсes tо effeсtively mаnаge yоur finаnсes tоdаy. Imрlement eасh оf these tiрs оver time. Dоn’t get yоurself оverwhelmed, just tаke it оne steр аt а time.

Remember that you can absolutely manage your finances effectively. It will only take a little time and effort to get your money under control.

 

See also: meilleure assurance auto pas chère

See also: Top 10 Money Management Tips To Build Financial Security

 

 

Fact Check

We strive to provide the latest valuable information for our readers with accuracy and fairness. If you would like to add to this post or advertise with us, don’t hesitate to contact us.  If you see something that doesn’t look right, contact us!

 

 

Reference: Clevergirlfinance.com  and Quicken.com

The Fascinating Universe of Collectible American Coins

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The Fascinating Universe of Collectible American Coins

The Fascinating Universe of Collectible American Coins

 

Did you know gold has been a go-to for people wanting to diversify their investments and guard their income for centuries? Believe it or not, in today’s topsy-turvy economy, gold’s steady yields and proven durability are hot commodities for investors worldwide.

One of the trendiest ways to convert greenbacks into gold is by purchasing gold bars and coins.

Gold coins might be particularly tempting to investors due to their snazzy aesthetic and historical value–in addition to their monetary worth. But where to start–that’s the million dollar question? With so many gold coins out there, how do you decide what (and how) to bet on?

 

Golden Eagles Soaring High – American Gold Eagle Coins

Let’s dive in with the American Gold Eagle coins — a red-hot favorite and a well-known player in the gold coins market.

The U.S Mint whips up these 22-karat gold coins decorated with a Lady Liberty design on the obverse side, while the reverse side flaunts a bald eagle nesting or a bald eagle’s head, year-dependent.

And here’s what’s also interesting–you can claim these American Gold Eagle coins in various weights: 1 oz, 1/2 oz, 1/4 oz and 1/10 oz. The same goes for its ‘cousin’– the American eagle silver coin.

 

The Canadian Maple Leaf–Not Quiet American, but Close Enough

The 24-karat gold Canadian Gold Maple Leaf coin, sculpted by the Royal Canadian Mint, is an absolute stunner.

Hitting the ground in 1979, this golden wonder was in toe-to-toe competition with the South African Gold Krugerrand and is still regarded as one of the world’s purest and most coveted gold bullion coins.

The design? A maple leaf on the obverse side and an image of Queen Elizabeth II on the reverse.

What’s rad is that Canadian Gold Maple Leaf coins come in an array of weights, from 1/25 oz all the way up to 1 ounce.

 

Unleashing the Golden Buffalo – American Gold Buffalo Coins

Say hello to the American Gold Buffalo coin–another popular (and very favored)choice among investors and collectors alike.

The design is a tribute to the 1913 Buffalo Nickel conceived by renowned James Earle Fraser. You’ll see a Native American chief’s profile on the obverse side and an American buffalo on the reverse.

What’s fun to note is that American Gold Buffalo coins are 24 karats—higher purity than American Gold Eagle coins.

 

The Golden Wrap Up

Dropping some money into gold coins can be a savvy strategy to protect your overall investment bundle from losses and fend off inflation.

The coins discussed above are top-notch options for anyone keen on adding a dash of the shiny metal to their investment portfolio or who gets a kick out of curating a collection.

Always remember — before making any investment decision, do your legwork, contemplate your investment goals and risk tolerance, and seek advice from a financial guru for individualized guidance based on your unique financial situation. Good Luck!


Fact Check

We strive to provide the latest valuable information for our readers with accuracy and fairness. If you would like to add to this post or advertise with us, don’t hesitate to contact us.  If you see something that doesn’t look right, contact us!

Are UK Homeowners Still Wanting To Move?

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Are UK homeowners still wanting to move?

Are UK homeowners still wanting to move?

Press Release

 

Date: 19.07.2023

 

New Open Property Group research looks into where UK homeowners are moving to, and if there is a pattern between homeowners moving out of the city and into the countryside.

Out of 1.25 million homeowners surveyed:

  • 357,244 stated that they ‘want to move’
  • 251,705 stated that they ‘are moving soon’
  • 242,711 stated that they ‘are settling in’
  • 206,694 stated that they ‘just moved’
  • 187,001 stated that they ‘are moving now’

Are homeowners still moving to the countryside since the surge in remote-working and the ever-growing desire for more green-space?

When surveyed, 39% of homeowners specified that wildlife and nature were “more important than ever” to their well-being, and 45% of adults are spending more time outside than they did pre-pandemic.

Despite this, recent data shows that people moving to sparse or remote villages actually dropped by 28%. Adding to this, from 2017 to 2023, the number of homeowners looking to move to remote or sparse settlements actually decreased by 13%

Open Property Group Managing Director, Jason Harris-Cohen said:

“The UK’s property market is undergoing another reset,” says Jason. “There is a definite shift in home moving activity, with the West of the country surging in popularity.

Historically, better value for money has been found outside of London, the South East and the big five cities, and I think that’s what is driving home movers towards Wales and the West coast.”

“The desire for affordability in a cost of living crisis is being compounded by the current relationship between inflation, the Bank of England base rate and mortgage rates.

The rates attached to new home loans, remortgages and additional finance are seriously squeezing buyers’ budgets but there is still a strong desire to move – people are just having to moderate where they look and what they buy.”

“Semi-rural and rural locations will continue to be cheaper places to buy than urban and inner city areas. This will be especially so in the coming months as more people return to offices for work and potentially relocate to reduce commuting times – aspects that will cause metropolitan house prices to rebound .

While the statistics show the trend for rural living has actually declined over the last six years – we may see a surge as purchasers pursue well priced properties.

We’ll also see borrowers taking out mortgages over 30 years – or even enquire about interest-only mortgages – to negate the effects of higher repayment rates.”

“Of course, there will be a large contingent of homeowners who are biding their time before they move – the 357,244 who have indicated they ‘want to move’. This group will be waiting for mortgage rates to fall and house prices to drop before they progress their plans.

In the meantime, they may choose to improve their properties – enhancing their living environment for the present and adding value at the same time. It’s not unimaginable that these delayed movers will fuel a property peak in late 2024/early 2025.”

For more information please visit www.openpropertygroup.com

 

About Open Property Group

Open Property Group are a professional house buying company who help people sell their properties quickly. They buy all types of properties (including vacant or let), throughout England and Wales.

Open Property Group specialise in buy to let property purchasing which suit landlords who want to cash in property quickly without disrupting the tenants.

Homeowners benefit from selling their house fast, with a completion date fixed to the owners’ requirements. By selling directly, you pay no agent fees, ‎and can plan ahead with certainty. We also pay your agreed legal costs too.

 

UK 2023 Homemover Behaviour - Open Property Group [Infographic]

 

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Unraveling the Tragic Titanic Submarine Implosion – The Fatal Voyage

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Unraveling the Tragic Titanic Submarine Implosion: A Father's Day Dive Ends in Desolation

Unraveling the Tragic Titanic Submarine Implosion: A Father’s Day Dive Ends in Desolation 

Reluctant Teen’s Fatal Voyage Sheds New Light on Titanic Submarine Disaster

 

In an event that has sent shockwaves across the globe, the world grieves the tragic loss of five lives in the catastrophic implosion of the OceanGate submersible.

Among the victims were Pakistani businessman Shahzada Dawood and his 19-year-old son Suleman Dawood, who embarked on the ill-fated journey on the occasion of Father’s Day.

Unraveling the Tragic Titanic Submarine Implosion

Their story, as heart-wrenching as it is, offers a unique perspective on the disaster, eliciting questions about the inherent risks of such ventures and the motivations that drive us towards them.

 

Shahzada Dawood and Son’s Fateful Journey

Suleman Dawood, a 19-year-old university student, was terrified about the voyage to the site of the infamous 1912 shipwreck.

Shahzada Dawood and Son's Fateful Journey

He joined the crew not out of his own desire, but to please his father, Shahzada Dawood, who held a passion for the historic maritime disaster.

The father-son duo were among the five individuals who tragically lost their lives in an instant when the Titanic submarine suffered a catastrophic implosion, approximately 1,600ft from the bow of the Titanic.

 

The Emotional Toll of the Disaster 

Azmeh Dawood, the older sister of Shahzada Dawood, shared heart-rending details about her nephew’s apprehensions before the trip.

People onboard the Tragic Titanic Submarine Implosion

Suleman was ‘terrified’ but felt compelled to accompany his father, who was fervently interested in the Titanic shipwreck. The heartrending account of Suleman’s aunt underscores the emotional toll this incident has taken on the bereaved families.

 

The Titanic Submarine Disaster

This devastating event raises multiple questions about the safety and future of deep-sea exploration. The OceanGate submersible’s tragic implosion has had far-reaching implications, and the impact extends beyond the immediate loss of life.

Titanic Submarine Disaster

With investigations ongoing, the incident serves as a grim reminder of the dangers lurking in the ocean’s depths, prompting a reevaluation of the risks involved in such endeavors.

 

Conclusion

The Titanic submarine implosion has united the world in mourning, with the Dawood family’s story adding a deeply personal dimension to the tragedy.

It forces us to question the boundaries of adventure and the price we’re willing to pay for curiosity and exploration. As we continue to delve into this disaster, it’s crucial that we remember the lives lost and the lessons to be learned from this tragic event.

Source: Daily Mail Online

 

 

Investing in Treasury Protected Inflation Securities

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Investing in Treasury Protected Inflation Securities

Investing in Treasury Protected Inflation Securities 

 

 

Investing in TIPS involves a number of risks. This investment requires a substantial amount of risk, but it can provide a high yield, and the principal value is adjusted with the Consumer Price Index each year.

 

Your TIPS interest payment is then adjusted based on the changes in the Consumer Price Index. If you invest in TIPS, you will be able to enjoy interest payments based on inflation.

 

Investing in TIPS

TIPS are short-term investments that pay regular interest. The rate of inflation is adjusted every six months to keep investors’ purchasing power constant. This inflation factor is applied to both the face value of the TIPS and the interest payments.

The original principal amount is the same every time, but the inflation rate increases with it. TIPS are not guaranteed to grow in value and you can lose money by selling them.

You can also invest in TIPS through a TIPS exchange-traded fund or a mutual fund that includes a mix of TIPS. Each TIPS index is tied to a specific date, and each interest payment goes up along with the CPI.

TIPS are issued by the U.S. government. They mature when the principal is repaid. TIPS are sold on secondary markets, and they offer potential for price appreciation.

You can calculate the coupon rate of your TIPS by multiplying the adjusted principal by one-half of the yield rate.

TIPS are traded on secondary markets, so you can sell them when you no longer need the funds. You can find more information on TIPS at TreasuryDirect, a website that provides government information on TIPS and links to CPI data.

Yield

Treasury protected inflation securities ( TIPS) are bonds issued by the U.S. government. They have fixed interest payments and are backed by the government’s promise to prevent the rise of prices. Inflation-protected bonds are often referred to as inflation-linked bonds.

Some TIPS are even referred to as savings bonds. Inflation-linked bonds and TIPS are similar.

High inflation erodes investment growth and can wipe out investment value. Treasury protected inflation securities can offer built-in protection against rising prices, especially for equity-heavy portfolios.

TIPS offer the backing of Uncle Sam, a significant factor when looking for a way to diversify a portfolio. If the Federal Reserve raises interest rates, TIPS can help. Their yield is usually lower than the average, making them an attractive choice for inflation-averse investors.

Risk

There are some risks when investing in TIPS. For example, the official CPI does not accurately measure actual inflation. Similarly, a TIPS might not protect your purchasing power if the price of products and services increases.

In addition, TIPS are expensive. If inflation is lower than expected, you could lose the money you invested. These are important considerations when investing in TIPS. Here are some tips to help you make a wise decision.

TIPS are a great way to invest in the bond market. While the interest rates and bond market go up and down, they tend to be safer than other types of investments. This is because TIPS are backed by the US government, which means the value of your investment can go down or up over time.

Because of this, they have historically outperformed other types of securities. However, they do carry a credit premium, which may not be as high as you think.

Liquidity

TIPS or Treasury-protected inflation securities (TIPS) are special debt securities that are priced according to their expected inflation rates.

These TIPS have the advantage of being able to give investors a clear view of inflation expectations by predicting future price movements.

New research has used a novel term structure model to estimate the liquidity premium embedded in TIPS prices.

In addition, accounting for the variability of the premium increases the estimates of inflation expectations and compensation.

While a traditional bond with a 3% return is an attractive investment choice, inflation is the enemy of many bondholders. Inflation depreciates your purchasing power, and the value of your investments can shrink.

Treasury Inflation-Protected Securities (TIPS) soften the blow. When inflation is high, the yield on TIPS increases, and the principal decreases. These low-risk investments are issued by the U.S. Treasury and are backed by the full faith and credit of the federal government.

Break-even inflation rate

The break-even inflation rate is the embedded inflation assumption that is built into U.S. Treasury securities. Investors who invest in TIPS earn a high yield, but they’ll likely lose money if inflation rises more than expected.

A TIPS mutual fund differs from a TIPS ETF. For investors who want to purchase TIPS, it’s important to understand the difference between them.

TIPS are bonds that pay interest and principal payments that rise with inflation. TIPS are more expensive than conventional bonds, but they offer protection against erosion from rising prices.

However, TIPS are not risk-free and their returns are roughly equal to nominal Treasuries. You’ll need to know the break-even inflation rate to determine if TIPS are a good choice for your portfolio.

 

 

 

 

Conclusion

 

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