How to quickly eliminate back-to-school debt

Back to school is an exciting time. But it’s also an expensive one. From books and electronics to tuition costs, students are piling on debt to get an education. So if you’ve taken on back-to-school debt and you’re ready to alleviate it, here’s what you need to know.

Be Cautious About the Debt You Choose

The first step to eliminating back-to-school debt is by being smart about the kind of debt you take on in the first place. Shop around when you look for everything from supplies to student loan companies. And look for introductory financing offers on large purchases like laptops. Finding an offer for 0% APR for the first 12 months gives you time to create a plan to repay your debt before the offer expires, which can ultimately bring on less debt from the start.

Calculate How Much You Owe

After you’ve made all required back-to-school purchases, sit down and figure out how much you owe. Make a simple list of all debts to get organized, remembering to include:

● Lender (credit card company, loan provider, individual store, etc.)
● Amount due
● Minimum monthly payment
● Payment due date
● Interest rate

Once you know what you owe, decide on a repayment strategy to use. Two of the most popular are the debt snowball, which starts with the smallest amount due, and the debt avalanche, which starts with the highest interest debt. While both will save you money, the snowball can assist with increasing motivation by getting you a small win fast.

Figure Out What You Can Afford to Pay

While in school, you may be extremely limited on what you can afford to pay each month. But it’s important to be honest about how much you have to allow you to look for ways to bridge the gap if what you can afford doesn’t meet your monthly minimums. So if you’re lacking in funds to cover the back-to-school debt, think about:

● Taking on a part-time job to earn extra cash.
● Developing a side hustle that aligns with your major to make money while gaining real-world experience.
● Talking to your parents about getting help in exchange for a lump sum payment once you get a job after graduation.
● Use a tax refund, rebate check, or any other found money to pay toward debt.

Consider Consolidation

If managing many back-to-school debts becomes too much, debt consolidation is an option that can result in lower interest rates and the simplicity of one single payment. But you’ll need a solid credit score to qualify for a great rate. So if you’re still building credit, you may want to talk to a parent or guardian about co-signing on a debt consolidation personal loan.

Ask for Help

If you’re in a spot where you know you won’t be able to make payments on back-to-school debt, it’s best to talk to your lenders first. Plus, many schools offer financial resources for students that extend beyond tuition aid. There is no shame in seeking assistance for your finances, especially if it means it can help you get out of debt faster.

The Bottom Line

There are tons of expenses associated with going back to school. But any debt you need to take out for education doesn’t need to hang over your head for years. To quickly eliminate your debt, get organized, know what you owe, develop a repayment strategy, and stick to it. It may take some time to see progress, but sticking with the plan will be worth it when your back-to-school debt is in the rearview.

Brooke Joly

Brooke is a freelancer who focuses on the financial wellness and technology sectors. She has a passion for all things wellness and spends her days cooking up healthy recipes, running, and snuggling up with a good book and her fur babies.

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HUAWEI MateStation S ushers in a new era of smart productivity

As a personal computing tool, the PC has evolved over the past half-century. Performance, form, usage scenarios, software ecosystems and the role these all play in our everyday digital lives have undergone many transformations and changes. Gradually, we have moved from the era of traditional PCs to the era of smart PCs and all-scenario smart experiences.

With technological development over time, the pace of work has become faster. The emergence of diverse office scenarios, like remote working and casual workplaces, means that traditional PCs are no longer able to fully satisfy the increasingly complex demands of a modern workplace. With a compact build and more intelligent interaction capabilities, the new generation of smart PCs has become “the new productivity tool of choice” for enterprises and employees alike.

Thanks to its in-depth insights into the market and consumers, Huawei has fully explored users’ demands and issues, thereby addressing each of them with the launch of the HUAWEI MateStation S – Huawei’s first smart productivity desktop computer.

With the advantages brought by all-scenario devices and through the concept of distributed technology, Huawei has developed solutions of interconnectivity such as Multi-screen Collaboration and one-touch file sharing. Huawei has achieved cross-screen interoperability and other usage scenarios across PCs and smart mobile devices including phones and tablets.

It provides consumers with a more efficient all-scenario smart connectivity experience, becoming the leader in smart PCs.

Traditional means of file transfer between PC and mobile phone include Bluetooth, data cables, or third-party software. These methods often result in a spate of user pain points such as time-consuming connection, slow transfer rate, and limiting file size for data transfer. Ultimately, these issues will isolate the PC, leaving users inconvenienced at the workplace.

Huawei’s “Multi-screen Collaboration” feature has always served as a solid foundation for Huawei PCs to achieve smart productivity ahead of the industry. Based on its revolutionary distributed technologies, Huawei Share has broken down the barriers between devices, enabling a real-time, seamless interactive experience across PCs and mobile phones.

With the updated Multi-screen Collaboration, users can open up to three mobile app windows on the large desktop display at once. This not only allows the use of multiple software simultaneously but also eliminates the inconvenience brought by the traditional means of the file transfer. The new Multi-screen Collaboration makes multitasking more efficient.

To match with the Multi-screen Collaboration feature, every purchase of HUAWEI MateStation S includes a HUAWEI Ultra-Slim Wired Keyboard. Featuring an elegant design, the keyboard has a thin metal frame that wraps around the keys.

Its right Shift key includes a Huawei Share NFC for users to transfer files without the need for a data cable, introducing ground-breaking smart productivity experiences on desktop computers.

Upon successful connection, files can be shared across the smartphone and HUAWEI MateStation S by a simple drag-and-drop. This allows the user to easily view, edit and share files, images, and text on both sides, as well as to open and edit smartphone files directly on the desktop side.

These features are certainly beneficial for professionals from the design industry, considering their frequent need to transfer large files across devices. With Multi-screen Collaboration, bulk files on the smartphone can now be instantly transferred to the desktop side by a simple drag-and-drop, skipping the need for any third-party applications.

All combined, it enables the Multi-screen Collaboration to deliver unprecedented improvements in terms of file transfer speed and user ease.

Moreover, the peripherals connected to the HUAWEI MateStation S can be used to control the user’s smartphone, skipping the unnecessary back-and-forth switching between devices – operating both devices simultaneously on the desktop for a boosted productivity.

Both businesses and consumers are looking forward to a new, efficient system that enables seamless interoperability across multiple devices and maximises user productivity. In this way, Huawei is enabling the development of the PC and addressing pain points for the industry as a whole.

Positioned as a key part of Huawei’s vision of an all-scenario ecosystem, the newly launched HUAWEI MateStation S plays a critical role as an enabler of office productivity. By striving to elevate smart productivity experience that supports all-scenario, smart digital experiences, Huawei hopes to deliver a more convenient, professional, and efficient office experience to users, driving all-scenario mobile productivity ahead.

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source https://www.jbklutse.com/huawei-matestation-s-computer/

Top 3 places to play online poker in Ghana

The 3 Best Places To Play Online Poker As A Ghanaian Player

Poker is one of the world’s most popular casino games. It attracts numerous players and also features professional tournaments. Of course, poker is also available for occasional gamblers, and you can try out your luck in many luxurious casinos.

Although land-based casinos might not be available for everyone, players can always count on online poker websites. You can enjoy 24/7 action wherever you are and play your favorite game from the comfort of your home. In this article, we are about to highlight the top three websites to play online poker in Ghana.

888Poker – The Best Value Offer

888Poker is among the most reputable online poker websites, and it offers an excellent gaming experience to its customers. Owned by 888holdings, it is a well-known brand in the gambling industry. Compared to these websites, 888poker is one of the best choices for Ghanian players. This operator stands out for:

1. Lucrative No deposit Welcome bonus
2. High Payout rates
3. Excellent mobile apps

Welcome bonuses tailored only for poker players are quite rare, as you can use the regular sign-up reward for this purpose. However, that is not the case with 888Poker since you can expect a welcome deal specially designed for poker players.

Newly-registered customers can get up to $88 in free-play cash without having to make a deposit, but that is not all. If you put some money into your account, you can get free tournament tickets, regardless of the deposited amount. That represents an additional opportunity for players to win some extra money and compete against other poker players.

This operator also features high payout rates, meaning that you can get excellent value for your money. The RTP usually goes over 97.00% for various games, and it is among the highest in the market. You should always search for operators that provide increased payout rates, as you can theoretically land higher winnings. Besides that, wide table limits allow various types of players to find their preferred games, whether they are low or high rollers.

If we speak about gaming software, it is now one of the most advanced in the industry. Whether you want to download the software to your desktop or mobile device or launch games via browser, you can choose your preferred option. Players can quickly access different game categories, and the player lobby is pretty intuitive. Thanks to various filters, you can narrow down the list of games according to your selected criteria.

Besides these highlights, customers have many banking options at their disposal, including the most popular e-wallets and prepaid cards. If you encounter any issues, you can contact customer support via several communication channels. Considering all these factors, 888Poker is the best place to be if you are a poker player from Ghana.

Full Tilt Poker – Top Place for New Players

If you are not so experienced in playing poker, then Full Tilt Poker operator could be an excellent choice for you. Its software is so straightforward that newbies in online poker find it very easy to use. New players can start playing their favorite poker games quickly, thanks to the simple setup. However, Full Tilt Poker is not only convenient for beginners in online poker. This operator went the extra mile to provide the highest comfort to its players and cater to them with numerous features. The most notable ones are:

• Multilanguage interface
• Instant Hand History
• Hand Replayer
• Easy Seat

Since Full Tilt Poker is available to numerous players around the world, many languages are integrated into the platform. Therefore, you can choose English, French, Spanish, and dozens of other languages. Customers also have access to table themes and can utilize the customization options.

You can set up colors and your own background according to your preferences and dip into several other design options as well.

Besides various look-and-feel setup options, you can take advantage of other advanced features. Perhaps the most interesting ones are the Instant Hand History and Hand Replayer features. Thanks to those, you can review and analyze your moves to make more successful decisions in the next gameplays.

Poker players can also save their time by presetting their preferences thanks to the Easy Seat feature. It is particularly useful for Ring Gameplay as you can launch gaming sessions with just one click.

Full Tilt Poker didn’t focus only on the unique features, and they also took care of security. This operator took all precautions to provide a safe and secure playing environment for its players. Therefore, your personal information and banking details are not exposed, and all sensitive info remains protected.

Full Tilt Poker website uses 128-bit SSL encryption to secure players’ personal data. With no reported security incidents, Full Tilt Poker is one of the most trustworthy operators for players from Ghana.

GGPoker – Number One Option for VIP Players

GGPoker is another reputable operator which offers different attractive features. They partnered with the World Series of Poker, and customers can join numerous tournaments daily. This operator is well-known worldwide, and after its launch in 2014, it started attracting players from Asia.

While its popularity grew rapidly, it became the number one online poker website for many customers from Europe and Africa.

You will hardly be bored when playing online poker at GGPoker. You can count on different promotions and offers to extend your gameplay experience. If you are just a recreational poker player, this might be the right place for you. New players can get their first deposit matched, along with free tournament tickets.

The VIP program is what makes this operator different from others. You don’t need to do anything special to enter the VIP program, as you are automatically opt-in right after the registration. Customers can get cash in exchange for cash game rake or tournament fees.

Players are split into 25 different VIP program levels, and on the lowest one, you can count on the reward between $0.50 and $1.50. However, if you reach the highest one, you may get up to $1,000! Of course, GGPoler is a trustworthy operator, licensed by the Isle of Man Gambling Supervision Commission.

Conclusion

These operators provide an excellent gameplay experience, and any type of player can get the best service. Whether you are a newbie or a professional in online poker, you will enjoy the top-notch experience. Try one of these operators now and feel the thrill of playing poker online!

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source https://www.jbklutse.com/online-poker-in-ghana/

Five reasons why logo items are great for promotion

Logos are important to any business as they create a sense of brand and identity. This could be something that you hear about or see on the internet, but more importantly, it is seen by people in your community every day whether they are walking through town, shopping at their favorite store, or just passing by on the street.

Logo items for businesses can make an impact not only while someone is online browsing products from afar but also when anyone encounters them personally in real life.

As a business owner, it is important to have your logo items because these are the first impression that customers get when they see you. Why is branding so essential for businesses? A company’s brand sets them apart from its competitors and lets consumers know who they can trust in today’s marketplace with an endless number of choices.

The most effective way to build this type of reputation is through consistent quality products or services as well as by creating trusting relationships with shoppers over time—one purchase at a time. Buy logo items for business and see the change!

Logos are the first thing people notice about a company

Logos are the first things people notice when they come across a company. A logo is simultaneously an identity and brand statement, so it must be carefully designed to reflect who you are as an individual or business while also creating intrigue for potential clients.

A well-designed logo can help your company stand out from competitors in today’s market where there are more similar products than ever before; that being said, logos should not solely rely on colour schemes like some brands do (like Nike), but rather strive to stand by their values even after trends change with time.

A logo is often the only part of a company that is visible to customers

A company’s logo is often its most valuable asset. It represents an organization and its values in one symbol or image that can be recognized by consumers on sight without having any knowledge of what it means. A well-designed corporate identity will work with all other elements — from signage to marketing materials — to create consistency throughout your business system.

The company’s logo is typically the only part of a business that customers see. A logo often represents and symbolizes, what an organization stands for as well as creating brand recognition in its industry or field.

A memorable design can help companies stand out from their competitors when it comes to attracting new clients; while poor designs may be forgotten just moments after they are seen by consumers who are looking for something different from what the existing organizations provide them with which ends up costing these businesses sales revenue down-the-line because there was nothing about those logos worth remembering enough to make people want more products like theirs once they have found better alternatives elsewhere.

This does not always have negative consequences though; since some brands use distinctive visuals on all levels.

The right logo will help your business stand out from competitors

Your logo can be the backbone of your company’s branding and a symbol for what you represent. A strong logo might help get customers to remember who you are, but without promotional items, they may not know how to find out more about what it is that makes your business unique.

Promotional products such as t-shirts or mugs with logos on them ensure that potential clients will see something reminding them of where their friends went shopping last time they saw each other — this could lead to increased sales!

Customers need an easy way to identify which store carries the best product in order to make informed decisions when spending money (especially if there is a lot at stake). One thing that companies can do is use branded merchandise like custom clothing.

You can use logos for marketing, advertising, and other promotional materials

A logo is an image or design that symbolizes the brand of a company, organization, product. Logos are used to help customers identify with and trust in your products. You can use logos for marketing materials like flyers and brochures as well as advertising campaigns on social media platforms such as Facebook ads where they will appear more often than traditional print advertisements.

Keep these considerations when designing your next promotional campaign: color scheme; font choice (typeface); placement and size of graphics relative to words.

Your logo should represent your brand or personal style

Your logo is the face of your business, so it is only natural that you want to represent yourself on promotional items. Your brand speaks volumes about who you are as a person and what type of business owner you will be- put your best foot forward with custom printed apparel! It is a part of marketing campaigns.

Final Take

The key to success is in knowing your audience and catering to their needs. A logo item can help you achieve this goal by providing the perfect opportunity to showcase what your business has to offer, while also highlighting who it is for.

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source https://www.jbklutse.com/logo-items-for-business/

MTN Ghana to reward over 24,000 customers with cars, airtime and cash rewards

MTN Ghana has placed 25 Hyundai Sonata salon cars on offer in a mega anniversary promotion to reward customers for their loyalty to the brand as it celebrates its 25^th anniversary. The MTN @ 25 Mega Promo which is valid for three (3) months (from August to October 2021), will see customers rewarded with a lot of prizes including 25 brand new Hyundai Sonata 2021 models, Cash Rewards and loads of Airtime for 24,000 customers.

Mechanics:

As a points-based promotion, all customers will be given unique point targets to meet monthly. The promo is designed to reward all Prepaid and eligible postpaid Subscribers (existing and new) based on their usage of products and services across MTN platforms.

• To participate in the promo, customers are required to dial *156# and select option 5 to opt-in.
• Promo points are accumulated based on usage and spend
• A pesewa spent on voice or SMS will attract one point.
• A pesewa spent on data will attract 3 points
• A pesewa spent on MTN digital platforms (eg.My MTN, Ayoba, Pulse & MoMo Apps)  will attract 10 points
• A pesewa spent on all other activities by way of subscription will attract 3 points.

Winner Selection and Promo Rewards

Customers who exceed their monthly targets points by the highest percentage margin (by ranking) will be rewarded. In all, 25 Customers will be rewarded with 25 brand new Hyundai Sonata cars.

Over 24,000 customers will be rewarded with cash prizes up to Ghc5, 000 and loads of free Airtime in the MTN @25 Mega Consumer Promotion.

“The Mega Promo deepens our commitment to ensuring that beyond the functional benefits derived from patronizing our products and services, customers stand a great chance of living their cherished dreams with life-changing rewards”, Noel Kojo-Ganson, the Chief Marketing Officer of MTN Ghana said.

He added, “in order to have a fair distribution of the prizes at stake, the promo is designed to ensure that at least a customer in each of the 16 regions drives home a brand-new Hyundai Sonata. The distribution of the remaining nine cars will be based solely on the percentage margin participants exceed their target points without recourse to regions. (The mode of Regional allocations per month has been published on the MTN Ghana website www.mtn.com.gh).

“We do not want all winners coming from just a few regions. I am urging all our Customers to register to participate in this promotion, talk more, browse more, do more on MTN digital platforms as well as more financial transactions with MoMo to win big in the MTN @ 25 mega promotion”, Mr. Kojo-Ganson added.

To ensure transparency in the selection of winners each month, MTN has engaged the services of KPMG as external auditors to support in validating winners of the promotion. Winners will be declared at the end of each month. Full details on the selection and presentations of prizes to monthly winners have been published on the website of MTN Ghana with details of the Terms and Conditions governing the promotion.

The MTN @ 25   Mega Promo follows Good Day Ghana Promo, and the“Early Birds Rewards’,

As the 25^th anniversary promotions run, MTN customers are advised to be wary of the activities of fraudsters who employ various tactics to defraud Customers. MTN Ghana will only call Customers via 0244300000. Winners in MTN promotions are not informed via any links or promo codes.

MTN will not request any money or airtime before customers redeem their prizes. Customers are advised to call the Toll-Free number 100 or interact with customer service agents on its social media handles as follows: Twitter @MTNGhana/@AskMTNGhana; Facebook: MTNGhana WhatsApp:0554300000 and 0555300000. Customers also have the choice of using the MyMTN App or Email via customercare.GH@mtn.com. MTN’s call centre with toll-free number 100 operates for 24hours.  Visit www.mtn.com.gh  for more details on the promotion.

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source https://www.jbklutse.com/mtn-25th-anniversary-promo/

Why should you look for an expert artificial intelligence company?

Artificial Intelligence is the wave of the future in the corporate world. Look around you! You see Artificial intelligence everywhere. For example, if you walk into any McDonald’s franchise, you’d note that they have a machine that takes orders.

Artificial Intelligence is fast, efficient, and error-proof. Several companies worldwide are using artificial intelligence for business improvements, enhanced customer service, and sales. That said, Artificial Intelligence companies are sought after. So what exactly are the characteristics that make for the best artificial intelligence company?

1. Seamless integration

Well, the whole point of using Artificial Intelligence is to ensure that all of your business apps and functions work well together. You also want to make sure that they do what your employees could do but faster, easier, and better. Therefore, professional AI Company uses the cloud and its technologies to create innovative solutions.

An excellent example of this would be if an expert AI company created a cloud-based software program that developed and processed medical claims much faster in a doctor’s office.

2. AI brings more transparency to your business

You would want to live in a country that had a transparent government, wouldn’t you? After all, these types of countries tend to be free of corruption. They also tend to be rich and have happy citizens. So why would you expect a business to operate any differently? Indeed, artificial intelligence companies generate mountains of information and data.

According to Statista, “Maybe that’s why 37% of all companies out there are using it.”

It needs to be analyzed for trends, patterns, and more. Also, it needs to have insights gleaned from it to be of any use in terms of predicting what could happen in the future. Yes, you could hire teams of data analysts to do this. However, wait, all of this information and data is useless by itself.

There’s just one issue. Data analysts are human, and humans are prone to get tired and make mistakes. Heck, humans can make costly mistakes even when they’re not tired. Even a simple and innocent single error could cost your business thousands in revenue and many lost customers. You can’t afford this. So now, here’s where the best artificial intelligence companies come to the rescue.

These companies will generate cloud-based technologies and programs that will do the job of interpreting, analyzing, and gleaning the insights that you need to make well-informed business decisions.

Oh, and these programs and technologies will never make silly mistakes when reporting data and statistics. An excellent example of this would be switching numbers around. It is a simple human error that can result in several thousands of dollars in lost revenue and extra expenses for you!

The best part is that these technologies and programs are scalable. Therefore, you only pay for the amounts of services that you use. Also, you can use as much or as little of the benefits as you want on an as-needed basis!

3. Your marketing teams will become rockstars

Now, how is this possible? You know that there is no such thing as a company that doesn’t have a marketing and a sales department. After all, marketing and sales are crucial tools that companies use to get business and customers. However, your marketing team is not perfect. They can and will make mistakes. Also, there is a limit to the amount of marketing and selling they can do in a day!

Well, welcome to Artificial Intelligence. Artificial intelligence (AI) companies can assist businesses in generating more relevant and valuable information. Yes, AI is slowly seeping into marketing and sales operations, and it’s transforming both in the process.

That was three years ago. The number is likely to be much higher today! 60% of companies used AI in their marketing and selling operations.

4. AI transforms your business

Immersive technologies like AI are highly useful in business transformation. Such technologies assist businesses in different manners and generate more profits. How can they do this? Yes, an expert AI company will transform your business.

Well, they can do this by providing your employees with instantaneous and real-time numbers and data that don’t lie. Your employees can then use these to make the informed business decisions that will give your company a sustainable competitive advantage and make it real money!

Artificial intelligence companies design programs and technologies that do killer market research. Yes, they can do what human market research analysts can do. Only AI can do it better and faster. Also, AI will never make mistakes! While AI will never replace your human sales and marketing reps, it can help them sell much more.

How can it do this? Well, for one thing, it can analyze a territory to help your sales reps determining if it is being undersold, oversold, or if there is still more sales potential left in it!

To add to this article or start a conversation, join our forum to share your opinions with other readers. For stories of this sort and more, do well to log on to www.jbklutse.com or visit us on Facebook.

source https://www.jbklutse.com/artificial-intelligence-company/

Emirates Skywards launches Skywards+ to offer its global members access to exclusive rewards

Emirates Skywards, the award-winning loyalty programme of Emirates and flydubai, has launched an online subscription platform “Skywards+” to offer its 27 million members easy access to customized rewards and privileges throughout the year.

Initially piloted in 2019 with select members, Skywards+ is now available to all logged in and active Emirates Skywards members. Starting at an annual subscription rate of USD 399, members can sign up on emirates.com and enjoy benefits such as bonus Skywards Miles, bonus Tier Miles, discounted upgrade rewards, airport lounge access, preferential Cash + Miles rates, and much more.

Skywards+ packages to suit all members

The loyalty programme has introduced multiple Skywards+ packages with personalised benefits to suit the needs of each individual member. Blue, Silver, Gold, and Platinum Tier members can subscribe to one of the following: Classic Package, at an annual subscription rate of USD 399; Advanced Package, at an annual subscription rate of USD 699; and Premium Package at an annual subscription rate of USD 999.

The Classic Package will offer members: 20 per cent bonus Skywards Miles; access to the Emirates Business Class Lounge twice a year; and 5 Kgs of extra baggage allowance.

The Advanced Package will offer members: 20 per cent discount on upgrade rewards; 10 Kgs of extra baggage allowance or 1 additional piece for checked baggage; and access to the Emirates Business Class Lounge five times a year.

The Premium Package will offer members a chance to fast-track and retain tier status quicker with 20 per cent Tier Miles bonus; 20 per cent discount on flight upgrades; access to the Emirates Business Class Lounge ten times a year; and 10 Kgs of extra baggage allowance or 1 additional piece of checked baggage.

Emirates Skywards continues to lead the industry with world-class, innovative offerings. The loyalty programme was one of the first in the world to offer its members an extension on tier status until 2022. The validity of any Skywards Miles due to expire since April 2020 has also been further extended until 31 December 2021, providing Emirates Skywards members with more opportunities to spend Miles on an extensive range of benefits and privileges.

Emirates Skywards offers four tiers of membership: Blue, Silver, Gold and Platinum, with each tier earning exclusive privileges. Members can earn Miles with partners ranging from airlines, hotels and car rentals to financial, leisure and lifestyle brands. Skywards Miles can be spent on flight tickets on partner airlines, hotel stays, hospitality at sporting and cultural events, and money-can’t-buy experiences.

For more information, visit emirates.com/skywards.

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source https://www.jbklutse.com/emirates-skywards-launches-skywards/