Alex Steed

Alex Steed


Those who want to keep up to date with the stock market now can do so from their mobile phone or tablet computer. There are many apps now that will allow stockbrokers to see what happening all of the time. Many of these are also designed to aid people in purchasing and selling stocks, which is great for those who want to get more information about the market. Even those who have not formerly sold stocks can benefit from these apps, as they will provide a lot of information about each stock including financial strength and valuation rating.

Others are more basic, and it depends on whether or not people want to pay much to get these apps. There are some which will keep a playlist of favorite stocks as well as displaying historical stocks. They will allow people to see all of the current stocks, and make decisions about what they might need to do based on that. Looking for stock apps that have an easy to use interface is important as well, as it impacts the way that users can find their information. Many even include clips from live TV regarding the stock market, so that users can watch all of the relevant information from their phone.

There are many different apps to choose from, and it depends on how much a person is willing to pay. Some of the best include a lot of information about each stock, and work to allow people to make the best choices possible regarding what they should do with their stocks. Others have less information, but work to give people all of the information that they need in real time. These apps are great for both professionals and people who are just getting started, and they allow stock owners to stay informed all the time.

phone sytems

When it comes to the art of being a stockbroker it helps to have the right technology in place. Technology is advancing and phone systems are a part of this advancing technology. There is a need for quick communication so there has to be a phone system that with features to connect to other coworkers quickly.

In the world of stockbrokers the VOIP phone systems are the best. These phones are designed to run on networks and have IP addresses just like computers. This gives people that are in the same office the ability to use extensions quite easily. This is the best way to set up multiple speed dial solutions that don’t take a long time.

The thing that most stockbrokers do is get the conference call types of phone systems. This allows partners to call each other rather quickly, but this isn’t the thing that makes the VOIP systems stand out. The special thing about the VOIP systems is that these phones will hardly ever have any downtime. Even when the network connection goes down people can use these phones because the VOIP systems can go into fallback mode. That makes it very easy for people to stay connected at all times.

It is becoming more common for people to use smartphones and tablet PCs, but the VOIP systems still have a big presence in the financial stock trade community. The phone systems are key to communication or people that have to make trades and communicate with lots of people. A stockbroker may constantly be on the phone because they are always trying to find out about different stocks. They have to talk with other coworkers, but they also have to talk with clients. This can be a stressful job without the right type of network phones in place. This is why most companies do not take chances. Leaders that are in control of stockbroker environmental work spaces will choose phone systems with a lot of network features.

In many cases Cisco is the leader in the VOIP phone environment. There may be some other companies that are advertising this type of system, but Cisco has proven to have the best management platform for deploying and managing multiple phones on a large network. Stockbrokers that want to maintain quick and reliable communication lines must consider the VOIP solutions. This is the best way to communicate at the office.


Those who want to learn more about the stock market without losing a lot of money may be interested in investing in penny stocks. Those who do this don’t necessarily have to spend a lot of money, and doing well with them lies more in strategy. It is also a way to getting some stock in the newest companies around, and it is cheaper to get started this way. There are many benefits to buying penny stocks, and those who want to get started can use this is as a tool to improve their trading knowledge.

There isn’t as much risk involved, and those who purchase these stocks will not have to worry about committing too much. They will learn the basics of how the stock market works, and they may be able to make some money while they are doing so. More regular investors are getting involved with penny stocks, and they hold value for those who understand what they are doing. In the past, there have been some shady penny stocks, but through tighter regulations that is no longer the case. Those who want to get started can purchase as many as they want, and they don’t have to worry about getting scammed anymore. This is a really safe way to get involved with the stock money, and it is simple enough that anybody could do it.

These are easy to get started with, and those who try this out won’t have to worry about losing a lot of money. It is a good way to get familiar with the system, and many larger investors currently own a lot of penny stocks. Anybody can do this, and the system moves so quickly that they may begin to see results fast. Getting started only takes a few minutes, and people can try to make the best decisions about what they should buy and sell on a smaller scale.


Every year taxpayers frantically prepare as April 15 approaches quickly after the New Year. Taxpayers are busy trying to locate misplaced W-2 forms, organize deductible receipts, complete accounting for the year, or trying to save for the balance they will owe to IRS. At times the four months after the year’s end are not enough time to properly prepare. This is when taxpayers desperately need an extension.

In this article, the different ways in which to apply for a tax filing extension will be reviewed. Please note states can have different procedures for applying. Although, most do follow the federal procedure, some do not. To find specific details on your state, reference you state’s franchise tax board. For federal tax extensions there are various methods to apply which will be listed.

First, visit the IRS website for directions. There you will be able to fill out form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return. Your extension form must be filled out by April 15th (or the next week day, if April 15th falls on a weekend or holiday). If this form is completed, and is accepted, you will receive a six month extension to file your taxes. Filing this form gives taxpayers until Oct. 15 to file a return and allows individuals to avoid a late-filing penalty. To get the extension, you must estimate your tax liability and also pay any amount due. Know that the extension is only given to allot more time to accurate tax preparation, owed tax payments not paid on April 15th will result in interest charges and late payment penalties.

There a three ways to file for the extension.
1.Electronically (such as by computer)
2. By paying part of your tax due with a credit card (by phone or over the web through an authorized IRS outside service provider listed on Form 4868)
3. By mail

In the application, it is not necessary to provide a reason for the need of an extension. The IRS will only contact you if your application is denied. Therefore, you are granted an extension, automatically. In this case, no news is good news.


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Office supplies necessary to ensure smooth, efficient operations imperative for success today go beyond just owning a telephone, computer, printer and paper, and having a fresh pot of coffee on-hand. Computer software and a fully-equipped break room, along with proper lighting and furniture can make all the difference in employee motivation and attitude.

1. Filing Cabinets

Every office needs a filing system to keep accurate track of all records and important documents, and using filing cabinets or another similar system enables employees to easily retrieve needed documentation. Filing systems are a must-have for proper office organization, which leads to optimal resource management.

2. Self-Sticking Notes

Especially when taking messages over the telephone, self-sticking notes can be easily posted in high visibility areas and in the proper location to ensure that the message can be delivered to the proper person or department. Self-sticking notes are also an excellent resource for personal reminders for deadlines and to keep track of multiple tasks taken on at the same time.

3. Paper Fasteners

In addition to pens, pencils, highlighters, and mail supplies there must be some mechanism for fastening multiple sheets of paper, especially when there is more than one page to a document. Obviously, staplers work wonderfully but staple refills must almost constantly be on the supply list and on-hand for when the office supply runs out.

4. Hand Sanitizers and Facial Tissues

Employees are human and commonly suffer from allergies or often become ill, especially when working with the public or have younger children attending school, which may cause time missed from their jobs. Hand sanitizers are a popular, useful way to decrease the chances of spreading germs around the office but should never replace washing hands regularly. Facial tissues in the home are almost mandatory for employees known to suffer from allergies, so several boxes of tissues should be placed in various places in the office making it much more convenient when a tissue is needed.

5. Business Cards and Promotional Items

Inexpensive business cards and other promotional items are available at prices that are easy to fit into the office budget. Important product, service, and contact information is literally at the customer’s fingertips as he or she arrives at your place of business. That customer suddenly feels a sense of substance after glancing at your company’s card. Small promotional items such as ball point pens, memo pads, and magnets all displaying the office logo are a wonderful way to remind your customer of your business.

In conclusion, the five recommended office supplies mentioned above to add to your company’s needed supply list are only a few examples of the ‘little’ things each office employee can appreciate. Obvious office supplies such as computers and software should always be technologically up-to-date and current with today’s common standards.

financially responsible

There are steps that can guide you into being financially responsible so that you are not broke after every paycheck.

Planning is key. Sit down with a calendar and mark off specifics dates that are important to you such as anniversaries, birthdays, vacations, etc. You might not be able to attend every function happening during the year but choose the events that are the most important to you. These events will be added to your monthly budget.

Creating a budget is the only way to survive when living paycheck to paycheck. Of course there will be times when a spontaneous invite and you will have to decide if it is worth it. What will you give up so that you can attend the unplanned event? This is why it is important to have a budget in place so that you can revise it if necessary and not feel like you are over extending yourself. Also when creating your budget think about what you might have to do without each month. For example, if you’re over budget due to a monthly cable bill, then consider having either Internet or cable and not both.

Within your budget should be your standard bills such as rent, mortgage, water, electric, gas, maintenance, toiletries, clothes, food, personal care (hair, manicure, pedicure,), etc. You will also have your monthly credit card bills. Review the due dates on all your bills. If you have more payments coming out of one check then the others, call a few of the companies that you pay monthly to see if you can change the due date.

The quickest way to go over budget is with credit card purchases. You can find yourself in serious debt and broke every month. The best way to use your credit cards is to pay off your purchases immediately. This way you keep the interest rate controllable.
A credit card purchase mostly happens with impulse buying. To control impulse buying you will have to plan for it as well. During the course of the year, regardless if you get paid weekly or bi-weekly, you will get paid an extra paycheck at least twice a year. Utilize that check to purchase something that you really want that is not affordable in your budget. Also use overtime pay and bonuses as well.

Becoming financially responsible will take some practice. Don’t wait until tomorrow. Start today.


Starting a small business can be an daunting task. There are many aspects that must be attended to, and many different documents that must be in order before the doors to the business can open. Knowing what documentation is needed before starting the task of opening a business can streamline the process and make getting the funds and inventory needed easier.

Star up funds are typically acquired through a banking institution. These banks can be either government programs (like small business programs), or they can be private banking institutions that one would hold a banking account at. One of the best ways to secure a loan with one of these institutions is to have a plan. A business plan will set forth what type of business it is, how much capitol is needed, and how the money will be spent. In this particular plan, the individual will also enumerate what the believed earnings will be for the business also.

A financial plan is another good idea to have when approaching a bank for a loan. The financial plan shows the bank what the projected earnings as well as market demand will be for the product or products one’s business will be selling. This will also include a personal financial analysis as well as detailed financial statements (if applicable).

A credit report is another vital document. Many banks base their lending policies on whether they believe that an individual will pay back the money that they owe to other debtors. If the individual pays back loans and debts in a timely manner, their credit report will reflect such. The higher the credit score, the better the chances of securing a loan for a new or existing business.

If the credit report is not very good, there are other ways to convince the bank that the risk is worth it. First among these things is level of education. If the individual is college trained in the field that the business is to be in, the chance of getting a loan is better. If the individual has experience in the field that the business is in, this also raises the chances of getting the loan. This means that another important document to have for the bank is a resume reflecting education and experience in the field one is starting a business in.

Obtaining a business loan does not need to be impossible. Planning can make all the difference in whether or not the banks want to take the risk involved with issuing a loan. Make the bank’s job easier and have all the documentation and answers to their concerns before the appointment with loan officials.