Dalelorenzo's GDI Blog
20Jun/210

15 iPhone Apps that Pay You to Play Games (Real Money & Prizes!)

Looking to get paid to play games on your iPhone? There are ways to do it! Many of us play games on our phones, right? So, why not realize some coin from it? Before we get started, there are a ton of apps that remuneration you to play games such as Lucktastic and Mistplay. Sadly ,... Continue ...

The post 15 iPhone Apps that Pay You to Play Games( Real Money& Prizes !) showed first on MoneyPantry.com.

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22Mar/210

Best Way to Get a New Phone: Money-Saving Advice

There comes a experience when you need to break up with the adoration of their own lives. Sure, your current cell phone has been a trustworthy and constant comrade, but now you want to play the field.

First, do you want the latest and greatest new cell phone on the market or one that’s been tested and gently squandered?

If you’ve got to have the latest cell phone sporting all the bells and whistles, here are some gratuities for getting very good slew.

When to Buy a New Phone

With the latest model flagship phones costing around $1,000, a new cell phone is a big investment.

According to the International Data Corporation, smartphone dealers sent 386 million brand-new designs worldwide in the last quarter of 2020. That was down from 2019 and pre-pandemic, but the new phone market is showing signs of recovery.

Apple and Samsung are No. 1 and 2 in sales. Apple’s latest example is the iPhone 12 and Samsung’s is the Samsung Galaxy S2 1. There are many other firms that realize new telephones, but the top two present a variety of mannequins each with different features.

The easiest way to get a brand-new cell phone is to upgrade through your carrier, but that is likely to not got to get the best deal.

Knowing what you need and require, and doing some research can save you money. The producers positioned a proposed retail price, but that doesn’t mean that’s what you will pay. In fact, make sure you don’t.

Timing your buy is important. When a company initiates a new phone, that’s frequently when the prices are the highest. Patience can pay off.

“The longer you can hold off buying the product, the more fund you’re going to save, ” said Carl Prouty, tech expert with Abt Electronics and YouTube personality. “( The creators) try to get what they can out of the early adopters and then once they’re done buying,( marketers) have to cater to the people who are maybe on the fence that could be swayed by a drop in prices.”

Holidays are also a good time to shop for cell phone deals.

“Some supermarkets will do advertisements, so keep your eyes open for those types of batches if you are looking for ways to save or maybe stretch your dollar a little bit, ” Prouty said.

Do You Actually Need a New Phone?

Do you want a brand-new telephone or do it is necessary to a new phone? Is there a new peculiarity your current phone doesn’t have but it is necessary to? Is your aged phone giving you trouble? Understanding your motivating can help you store around.

Once you decide it is necessary to a new cell phone, decide what facets you need. Prouty intimated thinking about 😛 TAGEND

Platform: Android or iOS( Apple ). Going with what you know might make it easier, but it might restriction your assortment and cost alternatives. Prouty said he switched from an Android to an iPhone because his part category was communicating via FaceTime and he wasn’t able to join in. Storage: Many telephones have a built-in storage capacity and some have an option to expand the storage. If you have lots of photos, make many videos, or store a lot of music, the storage width affairs. Screen sizing: Some telephones are larger than others. While that’s great for watching videos and looking at websites, it might not be so good for trying to use it one-handed or for beings with big handwritings. Battery: The eras of having a removable and easily replaceable artillery are run with most phones. Check to make sure the battery on your preferred phone can keep up with your consume. Performance: Check the processor and the fast. Camera: Cameras are constantly improving. Think about how you use your phone’s camera and that can help you decide if you need a phone camera with variou lenses building in or if simply being able to toggle the screen from forward to the backward selfie view is enough.

At this station, 5G capability isn’t an essential feature, Prouty explained.

“I actually turned it off on my phone because if you’re not on an unlimited data plan, you are going to eat up data really fast. You’re not going to get 5G wherever you go, so currently it’s not quite as useful as it may be down the road when they have more feelers up.”

Once you know what you’re looking for, you can begin looking for phone makes and models that clothing you.

If all you do is talk on the telephone, text, email, and take a few photos, you are able to not need the flagship version and a more budget-friendly model might be a better fit.

Also, going for a previous sit is a good way to save some money. What was just top of the line before the brand-new model came out, is still a great phone.

“The first step is just to be adaptable on what sit you get. If you demand the latest and the greatest and you’re going to pay a premium for that, ” said Andrea Woroch, customer and money-saving expert. “But if you’re willing to make last year’s model or like the previous mannequin then you’re going to find some savings because they’re not flying off the shelves and the demand isn’t as great.”

Stores often sell telephones as “open-box” that they cannot sell as brand-new. Sometimes these are floor prototypes or returns. The retailers should check these concoctions before selling them to make sure they are in working order. Sometimes, the phones are lacking packaging or an supplementary and have the same warranty as a brand-new phone.

Prouty said some retailers sell refurbished telephones that might have had some kind of imperfection which has been rectified. They typically have warranties same to a brand-new phone. He said it is important to check to make sure any old-time data or informed about a refurbished or open carton telephone has been wiped clean.

Maybe you merely need a new-to-you phone and not a brand new phone. There are many utilized telephones out there which still have a lot of man left in them.

Where to Shop for a New Phone

Once upon a time, most of us bought our new cell phones at a rebate in exchange for signing a brand-new two-year or more contract with a carrier. It fastened us into a cell phone plan for a place amount of season during which we paid off the cost of the phone in small amounts. Breaking the contract was costly and phones for one carrier wouldn’t work with another.

Things have changed and now carriers allow you to bring your own device and SIM card to them, so the deals are plentiful.

Your current carrier is a good place to start. Waroch said carriers sometimes have deductions to encourage customers to stay with them and signal new agreements.

She said that carriers too give considers on phones if you switch to them from your current provider.

If you go the direction of ratifying a new deal, spoke the agreed thoroughly. Sometimes, the agreements are only good for several months which require s a commitment on your role or you will pay a higher price for the phone.

Also, Prouty warned that sometimes the deepest dismiss come by signing up for an all-inclusive plan with limitless everything. While that may give you a lower price on the phone, you might end up paying more for services you don’t need which will cost you more over time.

It’s important to know telephones you buy through a carrier or that are linked to a particular carrier often contain software and bloatware the carrier positions. If you crave a phone without any of this, look for an unlocked mannequin, which is sometimes more expensive.

“There isn’t a carrier subsidizing any of the cost of that phone, ” Prouty justified. So generally when you’re buying a phone for $600 from( air carriers, that carrier) is paying part of what the overall cost is, which is why it is only $600 instead of $800. ”

Many of the cell phone producers too sell directly from their websites, and you can choose your carrier or an unlocked form. They often have auctions and deals.

Many large-hearted casket accumulations and rebate associations also sell phones and offer auctions, rebates, offering posters with purchase, plus more deals.

Sometimes the pricing differs between online and in-store, so patronize around. Often, supermarkets will price-match their online premiums if you ask.

Don’t forget to check online retailers such as Amazon and others.

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How to Get The Best Deal On a New Phone

Once you have an idea of what you want and possibly where you want to buy, it’s is necessary to make sure you get the best deal.

When looking at the price of a phone and comparing lots, make sure to factor in 😛 TAGEND

Price of the phone. Busines in significance for your current phone. You might be able to get a better toll for your applied phone from third-party areas than you would from retailers selling you a new telephone. You might also want to keep your old-time telephone as a backup. Any rebates. Percentage or flat frequency rebates. Auction duty.

Companies often offer batches in the form of gift placards or other types of endows with purchase, but not a discount on the telephone itself.

The retailer gets the benefit by giving you a offering placard, Waroch explained.

“It comes you going back to the store and spend versus giving you a flat discount off the rate and a lot of people end up spending more than what the gift poster quality is.”

It’s 100% profit for the retailer if the knack holder loses the card, forgets about it, or doesn’t spend the full amount which is all better for the retailer versus simply discounting the telephone immediately, she said.

When at the collect or online, don’t forget to ask for any special dismiss. It never hurts to ask if you qualify for any, Waroch suggested.

“Many wireless carriers offer discounts to students, coaches, armed, and sometimes even elderly consumers. Exactly make sure you have compelled identification to prove your status to secure the discount.”

If you’re planning to buy online, don’t forget store portals which have assistances if you sounds through them to establish your purchase.

“That’s merely a no brainer. It’s easy, it’s effortless and if you’re going to earn an extra 1.5% cashback or 5% cashback why wouldn’t you take advantage of that if it’s effortless, ” Waroch said, adding a small amount of cash back supplements up on a pricey phone.

Also, look for coupons.

“Run a immediate exploration with the wireless carrier appoint and period certificate code to see if any distributes pop up, ” Waroch said. “Keep in thought, countless tickets may be limited to a certain type of phone so the more flexible you are on which telephone you buy, "the worlds biggest" the savings you can score.”

If you find a price you’re happy with, make sure to act quickly. Some retailers give flare promos and sales which are gone as fast as they came. Waroch said even if you want to buy a phone but read no considers, it can pay to be patient.

“You’re going to see transactions and you’re going to see a span with no treats. My word of prudence would be wait. It’s not going to be too long before another auction comes out.”

Tiffani Sherman is a Florida-based freelance reporter with more than 25 years of ordeal writing about finance, health, hasten and other topics.

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

Read more: autocreditsoftware.com

17Mar/210

How a Goodwill Letter Got a $10,000 Debt Wiped Off My Credit Report

My mothers were in the middle of a long, drawn-out divorce when I left for college. My tuition get tied together in the legal duel. This led to a lot of distraction and ended with me leaving clas early, impounding a $10,000 overdue bill for tuition, area and board.

Over the course of six months, I paid off the part counterbalance. But even though the debt was paid off quickly, it still registered up on my approval report.

A few years later, I had a good recognition tally overall. But I was saving to purchase a home and wanted my tally to be as high as possible so I’d qualify for a good mortgage frequency. The tuition legislation was the only negative thread item.

That’s when someone suggested I try a goodwill letter.

What Is a Goodwill Letter?

A goodwill letter is a way to get accurate, negative position components walk away from your approval report. The creditor who reports the negative wire item has the power to remove it. So your goal is to write your creditor a letter that persuasion them to do time that.

When a negative line item is removed from your recognition report, it will likely move your credit rating hump up. A higher ascribe rating can improve your chances of getting approved for a credit, credit card, mortgage or even certain employment positions.

It’s important to note that if you find an error on your credit report, you shouldn’t write a goodwill letter. Inaccurate information can be quarrelled and then removed, which is an entirely different process.

How to Write a Successful Goodwill Letter

Most of the time, goodwill letters are not successful.

Mine was.

Here are the steps I required in order to drawing a successful letter.

Be specific.

Your creditor likely merely knows you as a number. The first thing you should address in your symbol are the specifics of your statu. Be sure to include things like 😛 TAGEND

Your chronicle count Total quantity of debt When the debt was due The date you paid off its external debt in full

In my place, I knew paying off $ 10,000 in six months was impressive given my income, so I accentuated this aspect of the repayment. If you have similar circumstances, be sure to highlight them.

Justify your situation.

Goodwill letters are most successful when you went through an extraordinary circumstance and explain the reasons. If your self-justification is,' I knew I couldn’t afford to max out my credit cards, but I just really demanded the brand-new iPhone, ’ you’re probably not going to be successful.

Extraordinary situations are things like divorce, job loss, natural disasters, domestic violence or fiscal ill-treatment or unexpected medical emergencies.

In my statu, I explained why there was confusion around who would pay the bill, again stressing that once it became clear it was my responsibility I paid it off quickly.

Express bitternes.

At this top in your goodwill letter, you’re going to want to express regret for your late fees. You had every intention of paying on time -- before that singular context sounded up.

If you otherwise have a positive fee autobiography with the company, you can bring that up here, too. Anything you can do to demonstrate monetary responsibility helps.

Explain whether you are require its consideration of this agenda item removed.

Next, give a rationale for mis this route item removed. For sample, maybe you need to purchase a automobile so you can get to work. But with the negative text component on such reports, you can’t secure a automobile document at a rational APR.

By laying this out for your creditor, you’re letting them see how their help can change your life in discernible ways.

You can wrap up your letter by saying something along the lines of,' I hope you will consider removing this accumulation from my ascribe report as a gesture of good will, ’ and thanking them for their consideration.

Require supporting documentation.

If you have any documents supporting the claims in your symbols, is incorporated. For instance, if you lived through a natural disaster, any paperwork you can provide from FEMA or your insurance company may prove helpful.

You’ll also want to include a condensed record of your fees, including acknowledgments or explanations issued by the creditor.

In my occurrence, I included a acknowledgment of all pays and a printout of my financial record directly from the school’s website.

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How Will I know if I’m successful?

I knew my school had removed the late remittance from my approval report because they sent me a word telling me they had. Your creditor may or may not notify you in the same way.

I followed up when I did my annual credit report check the next year. Sure enough, the late pay was removed from my report.

During the pandemic, you can check your ascribe report for free weekly, so you won’t have to wait an entire year to follow up. You could potentially even participate the item removed before your creditor does in touch.

What if My Goodwill Letter Is Rejected?

Your creditor is not obligated to remove accurate, negative wire entries from your credit report. You’re asking them to do it out of the kindness of their feeling. Even after carefully arranging my word and making a good dispute, in the end I was lucky. Most goodwill letters are rejected.

If your goodwill letter doesn’t work, you’ll simply must be addressed the negative wire piece until it falls off your approval report, which normally happens after no more than seven years.

But if putting in the time to craft a cogent, one-page letter gives you a shot at changing your fiscal life times ahead of schedule, why not give it a try?

Brynne Conroy is a contributor to The Penny Hoarder.

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

Read more: autocreditsoftware.com

10Mar/210

9 of the Best Freebies We’ve Found Online in Canada

What’s better than a freebie?

Free video-streaming experiments? Tried ’em all. Free Costco food samples? There every weekend. Free makeup testers? Awesome for traveling!

There’s something thrilling about a good freebie. No, we’re not talking about random pens, stickers and keychains. We’re talking about legit freebies -- ones that is really handy and enjoyable.

That’s why we examined the internet high and low to find the best online freebies for Canadians. You’ll find a little bit of everything here.

1. Free Godiva Chocolate

Free Godiva chocolate -- what could be better? We’re pretty sure free Godiva chocolate is handed out every day in heaven. Probably those chocolate salted-caramel truffles.

Even better: This offer isn’t a one-time deal. Once you sign on, you get free chocolate every month at participating locatings, plus birthday chocolate!

2. Get $83 When You Win Solitaire Games

Lots of us once represent Solitaire on our phones for recreation or only to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real fund. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pres. And, in fact, there aren’t even any annoying ads.

With each recreation, you’ll battle it out against at least five other actors. Everyone gets the same deck, so triumphing is entirely such matters of talent. The top three players who resolving the deck fastest can win real money -- anywhere from$ 1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 hotshots( out of 5 ).

To get started, time download the free app and start playing your first game immediately.

3. Free $225 in Cash

If we told you that you could get paid to watch videos on your computer, you’d probably laugh.

It’s too good to be true, right?

A website announced Swagbucks will offer you to watch short video clips online. One minute you might watch someone bake brownies and the next you are able to get the latest updates on Kardashian drama.

All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Labels pay Swagbucks to get these videos in front of witness, and it legislates a slouse onto you.

Swagbucks won’t oblige you rich, but it’s possible to get up to $ 225 per month watching these videos. It’s once paid its users more than $200 million.

It takes about one minute to sign up, and you’ll immediately deserve a$ 5 bonus to get you started.

Two boys eat pizza at home. 4. Free Pizza

I planned, what’s better than pizza? FREE PIZZA!

If you’re a Domino’s fan, create a Domino’s Piece of The Pie Rewards history, and start your pizza through the report. You’ll earn pitches on each succession that’ll go toward your free pizza. Collect 60 stages, and you’ve got yourself a free pizza.

5. Free Electronics

Remember the Nielsen company? The one that’s ever tracked TV ratings? Well , now it wants to know what’s in your fridge.

Once you sign up to be on the Nielsen Consumer Panel, you can either use your smartphone, or the company will send you a free barcode scanner. Every time you go shopping, you simply scan the UPC codes on the back of each product and send your data to Nielsen.

Nielsen will reinforce you with gift spots, which you can redeem for free electronics, jewelry, household parts or even toys for the kids.The longer you stay on the panel, the more opportunity you have to earn points toward prizes. You’ll also receive records for the panel’s many sweepstakes. Trophies include vacations and brand new vehicles.

6. Free Pancakes, anyone?

Okay, this one only succeeds if you live in British Columbia, where IHOP( the International House of Flannel-cake) is going strong. Sign up for MyHop( that’s IHOP’s loyalty program) to get a free load of hotcakes. Once you establish your chronicle, you’ll get an email with your coupon.

A few tips-off: Be patient for the email; we received it several hours after signing up. Also take note of the expiration date, which was two weeks out for us.

7. Free Roast Beef Sandwich

Hungry? Arby’s has an email listing. If you sign up for it, you’ll get a free Roast Beef Classic with the purchase of a guzzle.( Arby’s will likewise send you certificates .)

This is one of the only gives on this list that requires you to buy something to get something else for free. But hey, you’re going to need something to wash down your free rib beef sandwich.

8. Sephora Beauty Make

Oooh, Sephora.

Become a “Beauty Insider, ” and you’ll have your choice of a free beauty kit from Fresh or Marc Jacobs on your birthday.

9. Free Ice Cream

And ultimately, we’ll never, ever pass up an opportunity for free ice cream. If we ever do, you should go ahead and start preparing our funeral arrangings. This is free ice cream we’re talking about!

When you download the Slab Happy Rewards app from Marble Slab Creamery, you’ll get free ice cream just for signing up. After that, you’ll earn extents for every dollar you devote, and you can cash them in for$ 5 off future purchases.

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

Read more: autocreditsoftware.com