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5 Streaming Services That Cost Less Than $20 A Month



If you’re one of the many cord-cutters who are looking to combat rising cable costs, video streaming can be a better alternative to look at. Comparatively, video streaming services offer cheaper options—although, you need to be wary of your bills taking an expensive turn if you oversubscribe.

Here are five streaming services that you can bank on for less than $20 a month.

1. Netflix

One of the bigger and more popular names around, Netflix offers an extensive list of subscription services. Its library includes everything from movies, documentaries, to TV shows, and more.

What’s more, the original content does not really have to vie for much attention—Netflix comes packed with some incredibly high-quality content that run interesting titles like “Queer Eye” and “Santa Clarita Diet.” Basic packages start at just $8 a month.

2. Hulu

Hulu’s almost on the same bandwagon as Netflix. It’s got great original content and plenty of older seasons, providing a robust library of shows and films. If you’re looking for Hulu’s live TV version, you’ll have to shell out a tad more than the on-demand library.

Hulu’s plans are also similar to Netflix’s, with their basic plans starting at $7.99 a month.

3. Prime Video

Packed with some great perks like free shipping for Amazon Prime products and access to some amazing Prime Day discounts and deals, Amazon Prime has snagged over 100M subscribers. While it also offers access to TV shows and movies, it houses exclusive content like “Sneaky Pete” and “Transparent.”

Amazon prime’s basic packages start at $12.99 a month, and can be accessed across three screens.

4. CBS All Access

If you’ve grown up watching “Criminal Minds” and “The Big Bang Theory,” CBS All Access offers bigger fans all of their shows in one place—plus other exclusive original series.

Their basic plans are the cheapest in our list, at just $5.99, you can stream their shows across two screens.

5. Philo

Philo’s one of the better options if you’re looking to watch a show as they air. It features channels like Comedy Central, Fox Life, TLC and History, while folks who need more can opt for a top-up for the additional channels.

What you might miss out on Philo are a few sports and local channels. For its basic plan that includes 40 channels, the service charges you $16 a month for three screens. Not bad, eh?

Personal Finance

INTERVIEW: Ex-NY Giants Star Shares His Business Philosophy



Athletes going broke is a popular phenomenon, despite their hefty paycheck. But not all do. In this video, Victor Cruz, former NY Giants star breaks down his philosophy on business and financial planning — and how not to go #broke.

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Personal Finance

Productivity Hacks Infographic: Top 20 Apps That Can Maximize Your Time



In today’s competitive and demand-driven world, there’s a constant need to stay on top of things. Between incessant emails and back-to-back meetings, phone calls and dozens of things to cross off your checklist, it’s no surprise we’re struggling to reach our productivity’s peak.

Here are 20 apps that helps you do just that.

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Personal Finance

DIY: Your 5-Step Financial Planning Guide



If you’re starting out to plan your financial future, it can get overwhelming. While many opt for a financial advisor to take care of the entire process, you can always handle your financial planning all by yourself (it’s simple, really) if you’ve got the right tools.

For starters, here’s what you need:

1. Set Goals!

Chalk out your goals—it can be short term, like paying off your card payment bills or long term, to meet expenses like retirement and your kids’ education.

Take a step back and do a reality check. Where do you stand now? How are your cash flows? How soon can you meet your expenses? Create a timeline to achieve these targets (and ensure you meet them!)

2. Do The Math

Calculate your total assets, after deducting the debts—and budget smart. Ditch your debt to stay away from piling on more to your list of financial risks. If you’ve got way too many debts to clear and it’s becoming increasingly difficult to keep track of them, here’s a great tool that comes in handy.

3. Build An Emergency Fund

Uncertainties can be hard, more so if they have a significant financial impact—be it an illness, job loss, or even global downturns.

To evade being stranded, ensure that you’ve built an emergency fund (a good start would be to keep aside six months’ worth of expenses), along with solid insurance coverage to back you up.

4. Hire The Right Agents

Apart from the general power of attorney, also ensure you lay out a directive in case a medical emergency comes up (if you’re incapacitated—we know, it’s not the best of thoughts to ponder over). To ensure you plan right, avail the services of an accountant, a real estate planning authority, and a medical power of attorney.

5. Earn Money On Your Money

The final step is to make sure you earn returns off your money. How’d you go about this? To start with, educate yourself. Read, read and read some more—research about what stocks, bonds, mutual funds, ETFs and other financial instruments do. Understand their risks, costs and how you can work on diversifying your investment.

It’s important to invest in something you understand.

Post this, set up your accounts to meet each of your goals—through monthly contribution plans, 401(k)s, low-cost index funds, IRAs or other savings plans. If all these details get you dizzy (or overwhelmingly hard), you’re better off with a financial planner who can do the research and investment planning for you.

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