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https://killexams.com/exam_list/HPKillexams : HP Laptop 17 (2022) ReviewMon, 28 Nov 2022 04:24:00 -0600entext/htmlhttps://www.pcmag.com/reviews/hp-laptop-17-2022Killexams : HP Coupon Codes December 2022
Shop Weekly Deals
For the hottest HP discount on all-in-one printers, laptops, desktops, Windows software, and more, their Weekly Deals section is here to help. Browse their best deals list to view rebate deals and save up to 50% on select products with the latest technology. Shop everything from HP Bluetooth recognition to drivers and you’ll even receive free shipping and easy returns on every purchase. If you're hunting for an amazing discount such as a 50-dollar laptop or some unbeatable desktop deals, this is the best place to look.
There’s no need to wait around for upcoming sales or HP laptop deals because when you check back weekly, you’re guaranteed to land a stellar product at a super-low price. On top of weekly deals, HP coupons, promo codes, and other offers can be used to save even more on your new laptop or PC. Make sure to enter your specific country, as discounts and shipping fees can vary depending on your location. If you're shopping from the United States be sure to search HP coupon USA or coupon code USA, so you can view the cheapest deals available in your region.
Ink Delivered To Your Door
With the HP Instant Ink replacement service, your printer will automatically order ink when you’re low and they’ll ship it right to you! You’ll never have to worry about running out of ink again, and with five plans to choose from, you can save up to 50% off. With larger cartridges to avoid constant replacement, simple recycling, no annual fees, free shipping, and HP drivers to make all their printers easily compatible, this deal is a no-brainer. Free printing just got easier.
Just purchase an eligible printer, sign up, and instantly get $10 in credits! Be sure to purchase your monthly plan with an HP coupon or discount code to make the most out of your subscription.
Price Match Promise
They want you to have the best products and prices every time you shop HP. If they lower the price of a product you’ve purchased, and it’s still in stock, you can contact them to request a credit for the difference, no questions asked.
If you’re shopping for a new product and find it at a lower price somewhere else, call their support team to request a price match and to complete your new purchase, as these requests cannot be done online. Don’t forget to have your HP promotion code on hand so you can even more on that brand new HP monitor for your computer or big screen.
Recycle With The HP Trade-in Program
When your HP spectre x360, envy x360, omen, or elitebook reaches the end of its life, there’s an easy solution to keeping the environment safe and getting what you really want. Their repair, reuse, and recycling programs are in place to ensure everything is repurposed to keep them working hard, either at your fingertips or utilized in a brand new product.
Recycle your old products, trade them in for credit towards new HP products, return them for cash, or allow them to completely erase the data from your device before it begins anew. Be sure to check online for location-specific information on how you can recycle your unwanted items for a great HP deal to score something amazing!
Join The Club
Looking for an even better way to maximize your purchase? Look no further than the HP rewards program to make money, while spending money! With their exclusive rewards program you can save up to 3% on every eligible purchase by earning 1 point for every 1$ you spend on your order. Collect your points and use them to purchase any qualifying rewards product. Registering is easy, simply create an account by providing your name and email address, and you instantly receive 100 points just for becoming a member! Shortly after joining you will receive an email, detailing your benefits and any rewards membership information you need to know to get you started.
Business Discounts
If you're looking to start your own business, there's no better way to save than by joining the HP business club. By signing up you automatically receive the best deals, personalized products and bundles, free shipping, insider discounts, and amazing savings on their wide selection of tech products. While you’ll be saving plenty with every order, the more you shop using your business membership, the higher you’ll climb in Business tiers and the more perks you’ll receive. Hop on their website to register for free and unlock endless benefits to help you succeed with your business in no time.
Stay In The Loop
Nowadays, staying connected couldn't be easier. With social media, email, and text, there's always a way to stay connected from wherever you are. HP takes pride in offering you not only the highest quality tech but also the most affordable deals on the market, so you can rest assured that you're getting the best there is. With so many ways to save, you can ensure to save yourself a few dollars off your purchase when you sign up for their email newsletter. You can get all kinds of email offers and updates on new arrivals and promo codes sent directly to your inbox! You’ll also be the first to know of any annual deals or events near you, so you never have to miss out on buying a top-tier HP product. With all these deals, you’ll know that you’re getting only the best of the best. Sign up now so you won't miss a deal!
Save With Seasonal Sales
There's nothing quite like the savings you'll see during the HP Labor Day sale! If you're looking to pick up a new computer before the school year starts, or just hunting down a great deal, this is a great place to start. You can also save during the HP Memorial Day sale or the HP 4th of July sale; whatever you're shopping for, you're guaranteed to get it at a better price with our help. We're always uploading the best laptop coupons and tracking down the hottest deals on HP Envy accessories for your convenience.
Return Policy
Dedicated to bringing you only the best shopping experience from start to finish, if your HP laser printer, laptop, or accessory isn’t working out, they will make every effort to assist you with your request. Their return policy on most products is available within 30 days of delivery, but be sure to check your specific order details for more information, especially if your item was purchased during an HP sale. To initiate your return, please contact the HP customer service team through phone number, online, or via live chat to receive your authorization.
Previous HP Promo Codes
Discount Type
Discount Codes & Deals
Discount Amount
Status
Online Coupon
HP promo code for 10% off Instant Ink
10% Off
Expired
Online Coupon
HP Student Discount code for 10% off
10% Off
Expired
Online Coupon
$100 off Pavillion Laptops with this HP coupon code
$100 Off
Expired
Online Coupon
HP Coupon Code: $10 off your order
$10 Off
Expired
Online Coupon
HP printer coupon code for $20 off
$20 Off
Expired
Wed, 13 Jul 2022 15:26:00 -0500entext/htmlhttps://www.forbes.com/coupons/hp.com/Killexams : Best HP printers of 2022: Portable, laser, all-in-one, inkjet and more
OCTOBER 2022 - EDITOR'S NOTE
This month, we've compared the following list of HP printers across multiple aspects including their printing speed and quality to design and build. We've assessed how easy it's to set them up, their running costs, and connectivity options, among other things.
The best HP printers have been around since the company built its first desktop laser printer in 1984, known as the LaserJet. As one of the biggest names for printers, the company produces some of the best printers on the market.
No one model is necessarily the best for HP printers because they come in such a broad range. So, all sorts of users, from photographers, business owners, and home users, can find the most suitable printer for them.
The downside of HP having such a large range of options is that it can be tough figuring out which one is right for you and which feature you might need, whether it’s copying, scanning, wireless compatibility, or voice control. Luckily, we’re here to set you on the right path with our recommendations for the best HP printer, which includes some budget printers.
The best HP printers of 2022 in full
Why you can trust TechRadar Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out more about how we test.
HP Neverstop Laser MFP 1202nw(Image credit: HP)
First laser printer with refillable toner tanks
Specifications
Category:All-in-one mono laser printer
Print speed:20ppm
Paper sizes:up to A4
Paper capacity:250 sheets
Size:15 x 20.5 x 15.2in / 381 x 521 x 385mm
Weight:19.4lb / 8.8kg
Reasons to buy
+
Low running cost
+
Plenty of toner in the box
Reasons to avoid
-
No auto duplex
-
Slow for a laser
The HP Neverstop Laser MFP 1202nw is the first printer to employ a refillable toner tank instead of a disposable cartridge. It’s a win for both the environment and your print budget, which could cost as much as 60% less than regular toner cartridges.
This inexpensive all-in-one lacks an auto-duplex mode, but it is hard to beat the total cost of ownership for basic monochrome printing and copying duties. There’s enough black toner in the box for 5,000 pages, and refueling is as simple as injecting the toner from a syringe-type canister into the printer.
This all-in-one device also has a flatbed scanner for photocopying A4 pages and offers Wi-Fi connectivity. The LCD panel is quite small, but you mostly won't need it if you use the companion app, HP Smart.
Size:12.5 x 17.2 x 26.4in / 317.5 x 444.5 x 670.6mm
Weight:26.4lb / 12kg
Reasons to buy
+
Fast at printing and scanning
+
Apps work well
An excellent all-rounder, this all-in-one is more expensive than the competition, but you pay for what you get. It offers an exhaustive list of features such as a large automatic document feeder (ADF) tray, fast printing speeds, and large paper handling capacity - plus it's HP Instant Ink compatible.
It sports a boxy two-tone design that's professional-looking without being boring, but be aware that it will be slightly too big to fit on some desks comfortably. It's compatible with a range of cloud-based mobile apps, which means you won't have to rely on its small LCD display for many functions.
This printer has sharp edges and a monolithic, white/dark gray design. According to HP, the new design saves 39% more space than the predecessor.
3. HP Officejet 250 All-In-One Portable Printer with Wireless & Mobile Printing (CZ992A)
A portable HP printer
Specifications
Category:Portable color inkjet printer
Print speed:10ppm
Paper sizes:Up to A4
Paper capacity:50 sheets
Size:14.96 x 7.8 x 3.6in / 380 x 198 x 91.4mm
Weight:6.5lb / 2.95kg
Reasons to buy
+
Portable size
+
Great print quality
Reasons to avoid
-
No USB port
-
Expensive ink
Portable printing is now an option thanks to the All-in-One 250, which crams printing, scanning, and copying into a machine small enough to fit into a suitcase or backpack. It's not so light that you won't notice it, though, weighing around the same as 1.5 13-inch MacBook Pros.
On the plus side, this HP model offers surprisingly sharp print quality for such a small package, alongside features such as manual duplex printing, Wi-Fi, Wi-Fi Direct, and USB connectivity. There’s also a 10-sheet ADF, a 50-sheet input tray, and a rechargeable battery for true portability.
The printer's output quality is slightly above average for text, photos, and graphics. The text prints may not be good if you're going for super tiny fonts. Nonetheless, this is an incredibly useful printer for users on the road who often need a portable printer and scanner.
HP Smart Tank Plus 555(Image credit: HP)
4. HP Smart Tank Plus 555
HP printer with refillable tanks and enough ink for three years
Specifications
Category:color inkjet printer
Print speed:11ppm
Paper sizes:A4
Paper capacity:100 sheets
Size:17.6 x 14.7 x 6.2in / 447 x 373 x 158mm
Weight:11.3lb / 5.14kg
Reasons to buy
+
Cheap to run
+
3 yrs of ink included
Reasons to avoid
-
No Auto Duplex
-
Small display
HP’s latest cartridge-free inkjet printer smashes the per-page cost of color printing and includes enough bottled ink in the box for 12,000 black pages or up to 8,000 colors. Sadly, this is HP’s entry-level model in the Smart Tank line, and it lacks an auto-duplex mode.
However, it offers dual-band Wi-Fi and Bluetooth LE, making it easy to use the helpful iOS/Android companion app (HP Smart) to set up the printer and operate it wirelessly from your smartphone. It's also compatible with Apple AirPrint, Google Cloud Print 2.0, and Android printing.
It prints surprisingly quickly at 11ppm (pages per minute) in mono or 22ppm in draft mode and can handle almost any printable media up to A4 in size.
This printer can print up to 800 pages per month, so it's suitable for small team sizes.
HP Envy Pro 6420 (Image credit: HP)
Feature-packed inkjet is ideal for home users
Specifications
Category:All-in-one color inkjet printer
Print speed:10ppm (mono)
Paper sizes:Up to A4
Paper capacity:100 sheets
Size:17 x 20 x 7.6in / 432.5 x 511.5 x 194mm
Weight:13.6lb / 6.16kg
Reasons to buy
+
Space saving design
+
Strong wireless connectivity
Reasons to avoid
-
Slow print speed
-
Wasteful tri-color cartridge
The HP Envy Pro 6420 is a compact and inexpensive inkjet with all the features you could ask for from a home office printer. It can print, scan, copy and even fax (via your smartphone). The print speed is slow but steady, and it can duplex print and photocopy a stack of up to 35 pages with its inbuilt ADF (automatic document scanner).
The HP Envy Pro 6420 prints quietly, and instead of beeping continuously when the printing is done, it plays a gentle notification sound. Instead of an Ethernet port, you have Bluetooth and self-healing Wi-Fi, making mobile printing via HP’s iOS/Android app particularly easy. Having just two ink cartridges (one for color, one for black) is convenient but might not be cost-effective if you tend you use one particular color more heavily.
Printing, scanning, copying, and even faxing – the M227fdw does it all (just as long as it's in black and white). This mono printer is a great fit for offices thanks to its large paper draw and fast print speed, which churns out copy at a clip.
It sports Wi-Fi connectivity (though not NFC), an ethernet port, and compatibility with cloud apps for mobile printing, alongside a USB drive for printing from thumbsticks. HP reckons you'll get 30,000 pages from a single high-yield toner cartridge, making it an economical option in the long run.
This printer has a consistently crisp print quality, a useful 35-sheet automatic document feeder, and automated photocopying skills. This is a mono machine, and although it’s not the fastest laser on the block, it’s faster than any inkjet and offers an attractive blend of features and performance.
HP has made this all-in-one inkjet printer the world’s smallest, and it’ll sit comfortably on any shelf or fit into a suitcase. As is sometimes the case with cheap printers, there’s only room for sixty pages and two ink cartridges on board, so it’s best used for light duties at home rather than the office.
This printer's available in various colors, and it can print on any size media up to A4, including envelopes and glossy photo paper. It prints a great photo, albeit slowly, and has Wi-Fi with Wi-Fi-Direct and AirPrint. What looks like a carry handle on top is HP’s innovative scan beam, which does the job of an A4 flatbed scanner. Insert any document in the slot beneath; it will be drawn through automatically and scanned, ready for copying.
HP Color LaserJet Pro M283fdw(Image credit: HP)
8. HP Color LaserJet Pro M283fdw
Feature-rich 4-in1 HP printer is a real all-rounder
Specifications
Category:All-in-one color laser printer
Print speed:22ppm
Paper sizes:Up to A4
Paper capacity:250 + 50 sheets
Size:3.58 x 14.8 x 6.9in / 91 x 375.9 x 175mm
Weight:6.6lb / 3kg
Reasons to buy
+
Very well featured
+
No duplex scan
Reasons to avoid
-
Somewhat expensive
-
Limited paper capacity
The HP Color LaserJet Pro M283fdw is a mid-priced multifunction laser printer that is so well-featured that it could fit into almost any small to the medium-sized office and live up to expectations. It is compact, with the scope to add further paper trays as required, and it prints quickly at 22 pages per minute for either color or monochrome documents.
There’s an automatic document scanner for copying up to 50 pages, fax, Wi-Fi, and Wi-Fi Direct. It is compatible with Google Cloud Print and Apple AirPrint, and there’s a USB port at the front for walk-up printing from or scanning to a thumb drive. In short, it can do everything (except duplex scan) and does it all very well.
The M283fdw prints texts quite crisply, with almost negligible pixelation, but if you're going for smaller fonts (below 10 points), you may notice some lightness.
HP Laserjet Pro M15w(Image credit: HP)
Compact and budget laser printing
Specifications
Category:Mono laser printer
Print speed:19ppm
Paper sizes:Up to A4
Paper capacity:100 sheets
Size:6.3 x 13.7 x 7.4in / 160 x 348 x 188mm
Weight:18.3lb / 8.3kg
Reasons to buy
+
Footprint a little larger than a sheet of A4
+
Fast printing at 19ppm
Reasons to avoid
-
No dual-side printing
-
Low print resolution
The HP LaserJet Pro M15w is the shoebox size and can print a thousand documents in a snap, all with consistent output. The M15w is more affordable than other printers in its class and is especially effective for those who work from home or in cramped offices due to its smaller size.
Moreover, once you've sped through its straightforward initial setup using HP's Smart app, this model prints quickly and reliably - albeit with a noticeable lack of definition. There's no automatic duplex printing, which could increase your paper cost in the long run.
If you're using the companion app, HP Smart, you'll find the initial setup fairly easy despite the lack of an LCD display. You can also use HP Smart to scan and print documents wirelessly.
When selecting the best HP printers for yourself, start with assessing where you’ll be using the device— home or office.
You’ll then want to consider what kind of printing you primarily need — is it image oriented or text-heavy? If it's more of images, then you'll want to pick an HP printer that prints high-quality images without costing too much.
If you're going to be doing a lot of printing, then you'll want a printer that has the output capacity and that comes with plenty of toner and ink. It’s also essential for you to check the price of the printer's ink cartridge because if it’s too expensive, you’ll end up spending a lot on printing in the long run. It's best to opt for printers with super low ink costs if you're going to be printing out hundreds of pages every month.
Other than assessing the print speed and multi functionality, you’ll also want to check the printer’s connectivity options, control panel usability, and Wi-Fi functionality.
The best HP printers: How we test
All the printers we source for testing are measured on our test bench and the results are critically compared with every other model we have reviewed. Instead of relying on manufacturer given figures, we use a stopwatch app to time the entire process using a standard ten-page document.
To analyze the print quality, we test the same set of documents across all machines. The test pages include text of varying font sizes and colors, mixed image and text pages, and a set of photos. Then there's a series of test patterns to assess color fidelity, contrast, and sharpness.
We also calculate running costs and consider each product's design and build quality.
Mon, 28 Nov 2022 19:24:00 -0600Jim Hillentext/htmlhttps://www.techradar.com/best/best-hp-printersKillexams : HP decimates staff
Decimation of company
The maker of expensive printer ink HP has decimated its staff claiming that is justified due to the Covid-19 pandemic.
While HP must have made a killing as businesses rushed to buy hardware so their staff could work from home, during the pandemic, it appears that Covid is now being used as the reason for PC sale's slumping.
The computing giant has revealed its 2022 fiscal year results, showing fourth quarter revenues down 14.8 per cent compared to the same period last year so the answer is getting rid of ten per cent of staff.
The mass layoffs come after HP expanded the workforce by around 10,000 workers compared to this time last year.
In what it calls its “Fiscal year 2023 Future Ready transformation” and anyone else might call “a slew of cost-cutting measures”, HP claimed it would make savings across around “digital transformation, portfolio optimisation and operational efficiency.” At some point, history will say that workers killed managers who used this sort of language, particularly when they come to announce job cuts, and humanity generally benefited.
Wed, 23 Nov 2022 20:09:00 -0600Nick Farrellen-gbtext/htmlhttps://www.fudzilla.com/news/55883-hp-decimates-staffKillexams : Here’s your holiday survival kit from 5 financial pros
For Ryan Decker, surviving the holiday shopping season is all about planning ahead. In fact, if he sees a gift for one of his two young sons in March, he’ll go ahead and buy it, instead of rushing through his shopping list in December.
“It very much eases the burden,” he says, making his December bills more manageable because he spreads holiday costs throughout the year.
Decker, a certified financial planner and director of the Center for Financial Literacy at North Central College in Naperville, Illinois, says that without that kind of advance planning, the costs this time of year can quickly overwhelm budgets. “Inflation is eating away at our purchase power, so once you throw in the holiday season, it’s a very stressful time.”
Financial educators like Decker are often busy during the holiday shopping season, sharing tips with their audiences about how to avoid debt and save money while still being festive. We asked five of them how they personally navigate the season with their finances intact.
“I know I’m going to be setting a budget so I don’t suffer after the holidays,” says Christine Whelan, clinical professor of consumer science at the University of Wisconsin-Madison. She makes a list of those she needs to buy gifts for and assigns a spending cap for each person’s gift.
Part of that strategy means limiting purchases to what she can comfortably afford out of savings instead of turning to credit card debt, Whelan says. “One of the ways we can use our limited resources to maximize our happiness is to pay now, rather than get socked with a credit card bill in February, which undermines our financial and emotional well-being.”
Give (and receive) more creative gifts
Jerry Graham, Atlanta-based co-founder of the website KindaFrugal.com, mentioned to his brother that he’d prefer a handmade gift this year. “He is so talented at art and woodworking, I told him I would appreciate a cutting board or something. A DIY gift is more memorable and comes from the heart,” he says. It can often save money, too, and Graham knows his brother is on a budget.
Similarly, Felipe Arevalo, community outreach coordinator for the San Diego Financial Literacy Center, collects family photos throughout the year, then, as soon as he sees a promo code pop up, creates a photo calendar for family members. “I got the idea from my wife’s uncle, but no one had done it in my family yet,” he says. Not only does it save money, but it also helps family members stay in touch and see how his sons, ages 4 and 9, are growing.
The DIY strategy also applies to kids. Says Whelan: “I’m encouraging my kids to give coupons for in-kind gifts instead of things. Kids can give a card for walking the dog or other chores, cooking dinner for the family, even if it’s just pasta or babysitting. It trains kids to think about other people rather than just buy their way out of a gift.”
The holiday season is the perfect time to make financial plans for the upcoming year, says Bruce McClary, spokesperson for the National Foundation for Credit Counseling. “Right now, I’m putting together a rough outline of financial goals and priorities for 2023,” he says. Focusing on things like travel plans or savings goals helps put holiday expenses in perspective. “You can tune out a lot of the advertising and emails related to the sales,” he says, and instead zero in on what’s most important to you.
One of the biggest obstacles to achieving financial goals is debt, which is easy to accrue during the holiday season. In fact, the 2022 Holiday Shopping Report from NerdWallet found that almost one-third of last year’s holiday shoppers who used a credit card to buy gifts (31%) are still paying off their credit card balances.
Given the current economic climate and rising interest rates, McClary says, “It’s probably a better idea than ever to avoid relying on loans and lines of credit to get through the holiday season, and to be as resourceful as possible about how you spend the money you have.”
Graham applies a similar plan-ahead approach as Decker, but with savings. “We put away money starting in January,” he says. He and his wife Sara estimate costs for the holiday season based on the previous year’s spending, then divide by 12 and set aside that amount in a dedicated savings account each month using automated transfers.
“By December, we have enough money to cover holiday spending, including decor, food and gifts,” he says. That’s been especially useful this year, as their incomes have fluctuated due to job changes. Tracking your expenses this year will let you begin this approach first thing in 2023.
More From NerdWallet
Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer.
Sun, 04 Dec 2022 20:01:00 -0600en-UStext/htmlhttps://www.msn.com/en-us/travel/news/here-e2-80-99s-your-holiday-survival-kit-from-5-financial-pros/ar-AA14UAGkKillexams : How two teachers slayed a $53,000 debt monster in 3 years
Thisarticleis reprinted by permission fromNerdWallet. In this series, NerdWallet highlights people’s debt payoff journeys. This month, Jae Bratton recounts how she and her husband brought a laser focus to wiping out debt, motivated by hopes of starting a family.
My story of ditching more than $53,046 of debt on two teachers’ salaries is one of pain, perseverance and cooperation. But it’s also very much about love. My husband and I began paying off debt soon after our wedding in 2016, and we made the final payment three years later, right before our son was born.
I was adamant that we wouldn’t start a family until we zeroed out the debt. Rumor has it that kids are expensive, so I wanted to free up space in our budget for the inevitable medical bills, child care and college fund.
That rumor turned out to be a stone-cold fact.
Our four main strategies provide a roadmap for others working toward financial independence.
1. Create a battle plan
Debt is an opponent, a monster to slay before you can move on to the next level. It requires a well-thought-out plan of attack.
First, we sized up our opponent by identifying our debts and organizing them in a Google sheet. We had seven debts, including student loans, two car loans, a home improvement loan and the remaining balance on my engagement ring. As each debt was defeated, I would delete it from the spreadsheet, and oh, the satisfaction.
We chose the debt snowball payoff method, where you focus all the extra payment money on the smallest debt while continuing to pay minimums on the others. I needed a few quick wins to keep me motivated before I tackled larger, more intimidating balances. We wiped out our smallest debt in the first three months, $926.
No sweat if you prefer the avalanche method, which tackles the largest debt first. The simple act of choosing one, which suits your lifestyle and personality, is more important than the approach. Snowball and avalanche are merely two different paths to the same outcome.
After listing debts and deciding on a strategy, we wrote a budget every month. First, we figured out our combined income. At the beginning of our debt-free journey in August 2016, my husband and I brought home $4,694 every month. By subtracting mandatory expenses such as mortgage and utilities, groceries and minimum debt payments, we knew how much money we had for additional debt payments.
Some months, we paid the minimums on debts and that was it. Then, when money was more plentiful, we made extra payments, some months as high as $3,500. In both instances, the budget determined how we spent every dollar and kept us disciplined. Did we stick to the budget every month? Absolutely not. But every month, we tried. And when that month ended, we started again, aiming to do better than the last.
Many budgeting strategies, tools and apps can help you draft and stick to a budget. Pen and paper work well, too. (My budgets were on sticky notes and dry-erase boards.) Whether you prefer the 50/30/20 budget or love stuffing cash envelopes, know that any budget is better than none. Without it, you risk forgetting about bills, running out of money before payday and delaying your debt payoff date.
3. Make or find extra money to pay off debt more quickly
Send extra money to debt
Most large influxes of cash left our bank account before we could be tempted to spend it: tax refunds, work bonuses and income from second jobs. For example, my husband received a stipend for coaching basketball and I taught summer school. We both sacrificed time to earn more money, but in a way, I got it back with interest: Now, I can be with my son after my workday ends rather than head off to another job. That time with him is truly priceless.
Increase your income
I spent two years earning a professional certification that increased my salary by 12%, increasing my take-home pay by $250. At that point, my car loan cost $223 a month, so it was like an additional car payment.
Plenty of jobs reward employees for adding certifications or credentials. If yours doesn’t, consider negotiating a raise or looking for another job that pays more.
Adjust tax withholding, if necessary
If you receive a refund after filing your taxes, that means too much of your paycheck is going to the IRS, interest-free. Sure, that money is eventually returned in one lump sum, but you receive smaller paychecks throughout the year.
After I got married, I filed a new W-4 to change my filing status from “single” to “married filing jointly.” At the same time, I adjusted my withholdings after using the IRS tax withholding estimator tool. That increased my take-home pay by $269.
“Just skip the daily trip to Starbucks.” That advice has become a cliche. But paying off thousands in debt requires bolder moves — and more painful sacrifices — than passing up lattes. So here’s what I did instead.
Paused charitable giving
Some people will disagree with my decision to eliminate giving during debt paydown. When to give, how much and to who are highly personal choices. For my husband and me, briefly pausing charitable giving worked. You get to decide if it’s right for you.
Lived lean
Reducing or eliminating expenses is unavoidable if you’re trying to pay off debt. The good news: the ways to do so are myriad. Check out your bank and credit card statements and look for opportunities to trim. Here are a few ways that we reduced our cost of living:
My husband found a job closer to home, decreasing his commute from 31 miles to 6 miles and saving on gas.
We waited a year to take our honeymoon, which was mostly paid for by cash wedding gifts.
We economized whenever possible: I started grocery shopping at a cheaper supermarket. My husband, an avid bowler, suspended playing in a league to save about $20 a week in fees. He even switched to a cheaper razor brand.
I consistently built up my family’s emergency fund, exceeding the $1,000 that some say is sufficient for those who are unloading debt.
This decision indeed delayed our debt-free date, but on the other hand, a healthy emergency fund gave me a financial cushion and priceless peace of mind. I knew I could cover expenses in a financial emergency without getting back into debt.
Picture your life post-debt
Give yourself fuel for the debt-payoff journey by imagining life afterward.
I felt light and a deep sense of accomplishment when I submitted the last debt payment in 2019. For three years, I was so focused on our journey. I alternated between regretting financial mistakes and moping about things I couldn’t afford. After paying off $53,000 of debt, I turned my gaze outward and resumed donating to causes and giving to others. Best of all, I was free to start a family.
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Jae Bratton writes for NerdWallet. Email: jbratton@nerdwallet.com.
Mon, 28 Nov 2022 20:00:00 -0600en-UStext/htmlhttps://www.msn.com/en-us/money/personalfinance/how-two-teachers-slayed-a-2453000-debt-monster-in-3-years/ar-AA14GrghKillexams : Can Financial Pros Narrow the Racial Wealth Gap? More Black Advisors Are Trying.
More advisors are stepping up to solve an age-old divide—the Black-white wealth gap.
They’re doing this by focusing specifically on communities of color that have habitually been underserved by the wealth management industry.
“I think there is more of an interest in creating firms that specifically support communities of color,” says Kamila Elliott, the first African-American chair of the CFP Board, who earlier this year launched Collective Wealth Partners, an Atlanta RIA that focuses on creating wealth for Black and other underserved communities.
To be sure, widespread wealth disparities have existed for many years. Notably, the median white family has about eight times the wealth of the median Black family, according to data from the Federal Reserve’s 2019 Survey of Consumer Finances.
Top row, from left: René Nourse, Kamila Elliott, Malik S. Lee. Bottom row, from left: Jason Ray, Chloe Moore, Dasarte Yarnway.
Photo Illustration by Barron’s Advisor
And the gap isn’t expected to vastly Boost over time, based on a study by Elliott and co-author Brent Kessel, co-founder of Abacus Wealth Partners. By 2065, they project the median white household ages 70 to 80 will have a net worth that’s 3.53 times greater than the median similarly aged Black household, roughly on par with 2019 figures, according to the authors.
Hence the need to guide and advise communities of color, Elliott says. “It’s a market that’s traditionally been undeserved, but they’re resilient and want to gain financial knowledge.”
Here’s how some advisors are attempting to close the racial wealth gap.
Build trust. With just 1.8% of Certified Financial Planners being Black or African American, it’s hard for people of color to find advisors they relate to and trust, says Jason Ray, founder, chief executive, and investment director of Philadelphia-based Zenith Wealth Partners.
“Shared experiences create relatable advice that is more trustworthy,” says Ray whose firm was launched in 2019 to focus on women and people of color. Working with an advisor who has experienced prejudices and injustices, creates “a safer environment to generate trust and have conversations,” he says.
That said, advisors who want to work with minorities should be prepared to put in more work at the beginning. “Trust is low because this community has been taken advantage of and still is,” says Calvin Williams Jr., founder and chief executive of Freeman Capital, a hybrid financial planning firm based in Charlotte, N.C., that focuses on underserved investors. He says advisors need to have a long-term vision for helping minority clients build wealth. “Once that trust is built, folks are going to stay with you.”
Eliminate asset minimums. Many advisors set asset minimums, which can be a barrier for women and people of color, saysRené Nourse, founder of El Segundo, Calif.-based Urban Wealth Management, whose clients are mostly women of color.
René Nourse
Courtesy of Urban Wealth Management
Starting out in 2012, Nourse decided not to set investment minimums for this reason. And she offers a variety of planning and advisory fee options based on a client’s stage of life and ongoing needs. “This helps people move forward,” she says.
Find the right business model. Many advisors who focus on helping people of color charge a flat fee for financial planning services. They may also charge a fee for managing assets, if applicable. Leveraging technology allows advisors to serve more clients less expensively, Ray says. Service models are structured “so we can grow alongside them as they create wealth.”
Still, starting her firm meant a pay cut, Elliott says, because the clients she works with aren’t the “high rollers” she might work with at other firms. But they want to grow their wealth, so she works with them to do this, charging an hourly or fixed fee in some cases or an asset-based management fee. “Our goal is to keep it, grow it, and be able to pass it along,” she says.
Some firms that focus on minorities are venture-backed or have grants from the federal government that allow them to provide their services and still come out ahead. Still, it can be hard to make a living by focusing just on clients in underrepresented markets, says Malik S. Lee, a certified financial planner and founder of Felton & Peel Wealth Management in Atlanta.
Malik S. Lee
Photography by Martine Beher
His initial business model that focused on underserved markets wasn’t profitable, but now that he’s more established, he’s turning back to the market he feels strongly about helping. He recently co-founded Klondike Financial to provide low-cost financial planning to people who can’t afford his minimums and to provide planning services to employers at no cost to employees. The statistics show that Black and brown individuals have tremendous buying power, but they aren’t building their wealth, he says. “I want to be able to change that dynamic.”
Offer advice, not judgment. There are several seemingly small things advisors can do to help Black clients feel more at ease. For starters, prospective clients want to see others who look like them on an advisor’s website, says Chloé A. Moore, founder and principal of Financial Staples in Atlanta. That’s why she is intentional about the photos and the people she chooses to highlight as success stories.
Chloe Moore
Photo Illustration by Staff; Photography by Martine Beher
It’s also important to take a forward-looking approach and not dwell on past financial missteps clients may have made. Many of Moore’s clients are the first generation to achieve a higher level of financial success and don’t have family or community members to turn to for guidance, meaning they may have made bad decisions with their money. “Don’t judge for past mistakes,” she says. “Meet them where they are and help them grow.”
She’s also careful to respect cultural differences when working with people of color. If clients want to send money to a family member outside the U.S., or are adamant about tithing to their church, she tries to help make it part of their budget, like any other need. “It goes back to understanding their core values and what’s important to them,” she says.
Become part of a community. Because there are fewer Black financial advisors, it can be hard to feel part of a community, which is important for networking and referral purposes.
One resource that advisors say helps them find leads is the Association of African American Financial Advisors, which has a find-a-financial-advisor tool on its website. Another could be the recently launched Onyx Advisor Network. For a monthly membership fee of $549, or a yearly fee of $5,599, advisors get a bundled technology stack along with optional add-ons. The network also recently started offering a separate community membership for $125 per month or $1,375 per year, which includes access to monthly practice management workshops and town hall events, as well as access to the network’s online community and other discounts.
Dasarte Yarnway
John Roemer photography
Onyx was founded by Dasarte Yarnway, of Yarnway Wealth Management in San Francisco, and Emlen Miles-Mattingly, of Gen Next Wealth, a fee-only independent advisory firm in Madera, Calif. When they founded their respective RIAs a few years back, they felt they lacked resources that would have been helpful. So they set out to build a network that could help minority advisors start, sustain, and scale their practices.
Just like clients appreciate working with advisors who have shared experiences, advisors from underrepresented communities also need opportunities to connect, Yarnway says. “A lot of people feel alone in this space. We wanted to create that community where underrepresented advisors can be seen, heard, and known.”
Mon, 05 Dec 2022 06:51:00 -0600en-UStext/htmlhttps://www.barrons.com/advisor/articles/black-financial-advisors-narrow-racial-wealth-gap-51670259017Killexams : What Is A Certified PEO (CPEO)?
A certified PEO is a type of PEO that has met strict requirements set forth by the Internal Revenue Service (IRS). They have gone through a rigorous accreditation process that confirms they operate in a legal and ethical manner. In addition, they’ve passed a comprehensive background check and financial audit to verify they are of the highest levels of integrity.
If you decide to partner with a certified PEO, you’ll enter a co-employment relationship. This means you’ll maintain control of your organizational structure and the day-to-day tasks of your workers. Your certified PEO will step in and take care of the duties outlined in your co-employment contract. These often include providing employee benefits and handling functions such as payroll and tax remittance. All PEOs can offer benefits such as healthcare plans, retirement savings and other popular services.
Who Can Benefit From a Certified PEO?
There are a number of reasons you might want to consider a certified PEO. If you’re in an industry that must adhere to heavy compliance regulations, such as construction, a CPEO can be invaluable.
This is particularly true if you don’t have any experienced payroll and human resources personnel in-house. A certified PEO can help you stay compliant and offer access to attractive benefits that attract and retain top talent. In addition, if your business is growing quickly or has plans to do so, a CPEO can allow you to focus on running your business while knowing your employees are receiving the support they need.
CPEO vs. PEO
Professional employer organizations (PEOs) are designed to take on payroll, HR and benefits administration functions for small businesses. Employees are paid under the PEO’s employer identification number (EIN), rather than the EIN of the business that partnered with them. PEOs also handle tax reporting.
A CPEO is a PEO that has been certified by the Internal Revenue Service. Certified PEOs have met extensive financial and experience requirements and chosen to complete a certification process that proves they’re stable and responsible. Additionally, they’re held liable for all employment taxes on behalf of the businesses they partner with. You can outsource payroll taxes to a CPEO without worrying about being penalized for any errors.
Wed, 09 Nov 2022 03:07:00 -0600Anna Baluchen-UStext/htmlhttps://www.forbes.com/advisor/business/cpeo/Killexams : Kimberly Palmer: Holiday survival tips from 5 financial pros
For Ryan Decker, surviving the holiday shopping season is all about planning ahead. In fact, if he sees a gift for one of his two young sons in March, he’ll go ahead and buy it, instead of rushing through his shopping list in December.
“It very much eases the burden,” he says, making his December bills more manageable because he spreads holiday costs throughout the year.
Decker, a certified financial planner and director of the Center for Financial Literacy at North Central College in Naperville, Illinois, says that without that kind of advance planning, the costs this time of year can quickly overwhelm budgets. “Inflation is eating away at our purchase power, so once you throw in the holiday season, it’s a very stressful time.”
Financial educators like Decker are often busy during the holiday shopping season, sharing tips with their audiences about how to avoid debt and save money while still being festive. We asked five of them how they personally navigate the season with their finances intact.
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MAKE A LIST AND STICK TO IT
“I know I’m going to be setting a budget so I don’t suffer after the holidays,” says Christine Whelan, clinical professor of consumer science at the University of Wisconsin-Madison. She makes a list of those she needs to buy gifts for and assigns a spending cap for each person’s gift.
Part of that strategy means limiting purchases to what she can comfortably afford out of savings instead of turning to credit card debt, Whelan says. “One of the ways we can use our limited resources to maximize our happiness is to pay now, rather than get socked with a credit card bill in February, which undermines our financial and emotional well-being.”
GIVE (AND RECEIVE) MORE CREATIVE GIFTS
Jerry Graham, Atlanta-based co-founder of the website KindaFrugal.com, mentioned to his brother that he’d prefer a handmade gift this year. “He is so talented at art and woodworking, I told him I would appreciate a cutting board or something. A DIY gift is more memorable and comes from the heart,” he says. It can often save money, too, and Graham knows his brother is on a budget.
Similarly, Felipe Arevalo, community outreach coordinator for the San Diego Financial Literacy Center, collects family photos throughout the year, then, as soon as he sees a promo code pop up, creates a photo calendar for family members. “I got the idea from my wife’s uncle, but no one had done it in my family yet,” he says. Not only does it save money, but it also helps family members stay in touch and see how his sons, ages 4 and 9, are growing.
The DIY strategy also applies to kids. Says Whelan: “I’m encouraging my kids to give coupons for in-kind gifts instead of things. Kids can give a card for walking the dog or other chores, cooking dinner for the family, even if it’s just pasta or babysitting. It trains kids to think about other people rather than just buy their way out of a gift.”
THINK BEYOND THE HOLIDAY SEASON
The holiday season is the perfect time to make financial plans for the upcoming year, says Bruce McClary, spokesperson for the National Foundation for Credit Counseling. “Right now, I’m putting together a rough outline of financial goals and priorities for 2023,” he says. Focusing on things like travel plans or savings goals helps put holiday expenses in perspective. “You can tune out a lot of the advertising and emails related to the sales,” he says, and instead zero in on what’s most important to you.
One of the biggest obstacles to achieving financial goals is debt, which is easy to accrue during the holiday season. In fact, the 2022 Holiday Shopping Report from NerdWallet found that almost one-third of last year’s holiday shoppers who used a credit card to buy gifts (31%) are still paying off their credit card balances.
Given the current economic climate and rising interest rates, McClary says, “It’s probably a better idea than ever to avoid relying on loans and lines of credit to get through the holiday season, and to be as resourceful as possible about how you spend the money you have.”
START SAVING IN JANUARY
Graham applies a similar plan-ahead approach as Decker, but with savings. “We put away money starting in January,” he says. He and his wife Sara estimate costs for the holiday season based on the previous year’s spending, then divide by 12 and set aside that amount in a dedicated savings account each month using automated transfers.
“By December, we have enough money to cover holiday spending, including decor, food and gifts,” he says. That’s been especially useful this year, as their incomes have fluctuated due to job changes. Tracking your expenses this year will let you begin this approach first thing in 2023.
_____________________________
This column was provided to The Associated Press by the personal finance website NerdWallet. Kimberly Palmer is a personal finance expert at NerdWallet and author of “Smart Mom, Rich Mom.” Email: kpalmer@nerdwallet.com. Twitter: @KimberlyPalmer.
This survey was conducted online within the U.S. by The Harris Poll on behalf of NerdWallet from Sept. 15-19, 2022, among 2,075 U.S. adults ages 18 and older, among whom 1,751 plan to purchase gifts this holiday season (2022 holiday shoppers). The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For this study, the sample data is accurate to within +/- 2.8 percentage points using a 95% confidence level.
“Holiday shoppers” refers to Americans who plan on purchasing any gifts during the 2022 holiday season. “Holiday season” refers to the period between Sept. 15 and the end of 2022.
We used U.S. Census Bureau population estimates and survey responses to calculate the total number of Americans who plan to buy gifts this holiday season, as well as the total gift spending and the total gift spending charged to credit cards.
We used the most latest average annual percentage rate data from the Federal Reserve of St. Louis (18.43% as of August 2022) to calculate total credit card interest.
Sun, 27 Nov 2022 23:44:00 -0600en-UStext/htmlhttps://www.thehour.com/living/article/Kimberly-Palmer-Holiday-survival-tips-from-5-17615085.php?src=nwkhplifestyleKillexams : HP Energises Enterprise Imaging and Printing Growth with Revitalised Sales Approach, Expanded Portfolio
HP announced today at GITEX that it will strengthen its enterprise imaging and printing product portfolio and strategy, including plans to increase the size and expertise of its sales force, to provide customers with unprecedented levels of service, information and business insight. HP additionally announced its largest-ever rollout of multifunction printers, which are aimed at replacing copiers in businesses of all sizes. With these announcements, HP now provides enterprise imaging and printing customers with a full suite of services and solutions enabled by a world-class product portfolio. “By leveraging our strengths in IT and our expertise in imaging and printing, HP is best-positioned to capture, manage and deliver the intelligence that enterprise customers need to Boost their business processes. This is not only about cutting costs. It’s about using HP’s services and solutions to help customers manage business information more efficiently to Boost productivity and competitive advantage,” said Vyomesh Joshi, Executive Vice President, Imaging and Printing Group, HP. Amr Hassan, General Manager, Imaging and Printing Group, HP Middle-East, said: “This announcement couldn’t have come at a better time. As the Middle-East market matures, companies are demanding more industry-specific offerings and vertical solutions that address critical business needs such as improving processes, operational efficiencies, cost savings and revenue. HP has the proven expertise and the capabilities to address specific IT and end-user challenges for the future. 2006 has been a fantastic year for us overall and we plan to deliver an even bigger success story in 2007.” Investing in sales force, expertise and tailored offerings As part of a revitalised approach to make it easier to do business with HP, the company plans to hire hundreds of highly skilled sales consultants who will be dedicated to the company’s top 2,300 accounts. These experts will engage customers in conversations that go beyond simple cost cutting to understanding how to apply the information on the network to build competitive advantage. HP’s strategy includes establishing teams of certified that can address customers’ broad business environments. In addition to an account manager, each team will include certified in technology, services and business processes with knowledge of the workflows, vertical applications and HP capabilities relevant to their customer’s specific needs. Largest multifunction printer rollout in company history HP’s new multifunction printer (MFP) lineup adds to the HP LaserJet portfolio, which offers the industry’s most complete set of options for both enterprise and small- to mid-size business customers. Highlights include: Key highlights include: • HP LaserJet M3035/3027 MFP Printer series – A compact, affordable workteam MFP that delivers up to 35ppm with exceptional output and a convenient stapler. This new product also includes an improved control panel with an intuitive and very simple touch-screen allowing easy interaction by visually walking through procedures, and assisting with setup and troubleshooting. • HP LaserJet M4345 MFP Printer series – The follow on to the industry changing 4345 MFP. Ideal for workgroups, the MFP offers fast printing and copying at up to 43ppm optional faxing and advanced digital sending with paper handling, finishing and the improved control panel. • HP LaserJet M5035/5025 MFP Printer series – The wide format MFP provides cost-effective A4 and A3 printing and copying at up to 35ppm, faxing and stapling options, with advanced digital sending and improved control panel. • HP LaserJet CM1015/1017 MFP –. Combining print speeds of up to 8ppm (colour and black-and-white) with HP ImageREt 2400 technology and HP Colorsphere Toner, this affordable printer produces professional documents and photo printouts with brilliant colours. With its small footprint, the easy-to-use device fits easily on a desktop.
HP’s announcement also extends the range of monochrome technology for customers looking to increase office efficiency, and expanding the range of colour printing systems for customers looking to Boost the effectiveness of general office documents and marketing collateral. Launching today are: • HP LaserJet P3005 Printer series – A fast, feature-packed network capable monochrome printer series with optional two-sided printing and Instant-on Technology. The series is ideal for document-intensive, small work team environments requiring high-quality printing with low maintenance. • HP Color LaserJet CP4005 Printer series – Offering durable, high-performance colour printing with a fast first page out due to Instant-on Technology, easy sharing and low operating costs. Designed for HP ColorSphere Toner, which provides stunningly high quality prints. Enhanced Solutions and Services to Meet Customer Needs • HP is also extending its portfolio of security, document capture and output management solutions and services to meet growing demand from enterprise customers. In addition to developing solutions in-house, HP has forged strategic relationships with top solution providers to ensure that HP can address a wide variety of customer needs. Working with its partners, HP can help customers reduce operational costs while improving productivity, ensuring compliance with government regulations and increasing IT efficiency. Also introduced by HP are two additions to HP Output Management Solutions portfolio: • HP International Printing for HP Output Server accepts Unicode-based documents from SAP and other enterprise applications and transforms the information, intelligently sending output to multiple destinations. • HP Output Management Web Console: Job Manager is a web-based tracking and management HP Output Server utility that provides single log-on authentication and access across single and multiple domains. Additional highlights from today’s announcement include an update to HP’s industry-leading management software, Web Jetadmin, new document management and security services: • HP Web JetAdmin 8.1 now includes Report Generation Plug-in 3.1 (RGP 3.1) enabling customers to conduct more scheduled reports than ever before and perform asset utilisation tracking that aids in understanding cost of ownership and planning for future purchases. HP’s Web Jetadmin is key to converting information across the network into true insight that allows enterprise customers to save costs and Boost efficiency. The new Document Capture and Security Assessment and Document Capture and Security Delivery Services introduced today provide an analysis of business document processes and how they can be improved and secured. The result is increased employee productivity, better compliance with regulatory actions, improved security, and a single point of contact.
