Tuesday, February 28, 2012

Top 3 Gold Online Buyers

In today’s tight economy, it is fairly common for full-time employees to seek out extra income. Whether they’re working part-time freelance jobs, running small online businesses, or selling old valuables, they’re taking precious time out of their already hectic schedules to earn a few extra bucks. So, for the sake of all you double-booked earners, I’m here to make your jobs (well, your second jobs) a bit easier by filling you in on a lesser-known moneymaking venture.

Selling old gold is an especially lucrative trade right now. In general, gold prices rise in times of economic hardship, and today is no exception. But finding a gold buyer can be tricky, considering tight-budgeted local gold dealers, intimidating auctions and gold scammers. Trustworthy online gold dealers offer the safest and most convenient options for selling your gold, while ensuring high cash returns.

So where do you find these seemingly mythical, high-returning, trustworthy, online cash for gold dealers? Check out a list of the top 3 online buyers!

Sell Your Gold
Ranked the #1 online gold buyer by NBC’s Today show, Sell Your Gold is a credible choice for your online gold trading needs. The company, owned by 50-year-old veteran gold-buying company, John Galt Refining, has been operating with an A-rated BBB accreditation since 2008.

In addition to a competitive payout, Sell Your Gold offers a higher payout percentage for large volume orders. All your questions and concerns are readily addressed by Sell Your Gold’s knowledgeable customer service agents, easily available by phone or live chat.

Sell Your Gold offers unmatched shipping rates and insurance packages, covering up to $1000 for smaller orders and the entire worth of larger orders.

Cash for Gold USA
As a result of an undercover investigation, FOX News reported that Cash for Gold USA has a return rate three times greater than its competitors.

A-rated by the Better Business Bureau, the company offers a two-week satisfaction guarantee on all transactions and the packages you send them are insured up to $1000. Service is quick and easy, providing sellers with a prepaid envelope for shipping their precious metals at no cost.

Cash for Gold USA accepts gold and gold jewelry of all conditions and karats, as well as sterling silver, diamonds, platinum, palladium, dental scrap, and electronic scrap.

Empire Gold Buyers
This 15-year-old, A+ rated company has been featured on CBS news as a premier gold buyer. Empire Gold Buyers has a favorable payout for buyers, offering 90% of the spot price of gold for transactions up to 3 ounces, 96% for transactions from 3 to 25 ounces, and up to 98.5% for transactions 25 ounces and above. Empire Gold Buyers blows other insurance packages out of the water, with coverage up to $25,000.

If you’re looking to make extra cash from your old gold, be sure to select an online dealer that offers free shipping and handling, a comprehensive insurance package, efficient customer service, and a guaranteed high payout. If you decide to stray from this list, always research online dealers for their reputability before mailing in your precious goods!

This is a sponsored post. PFStock.com does not specifically recommend or endorse any product or service mentioned above.

Wednesday, February 8, 2012

Comparison of Popular Online Tax Software

Tax season is here: it’s a phrase that few Americans welcome with any joy. Tax-paying Americans must submit their federal tax returns to the IRS by April 15 (for this year, the deadline is April 17, 2012), and many of us are looking at the approaching deadline with understandable anxiety. But the days of mailing multiple paper tax forms to the federal government are long gone with the advent of online tax filing (or e-filing) software programs affiliated with the IRS. Most of these online tax filing software programs offer to file your taxes with the federal government for free or a nominal fee, and the process to file with them is undoubtedly faster and cheaper than doing so the old fashioned way. And when you e-file your tax returns, you almost certainly receive your tax refund (if you received any) at a faster rate than had you filed via paper mail. The only problem is that there are so many e-filing sites; it’s hard to determine which one is the best fit for you. I have offered a brief overview of 5 of the biggest e-filing sites.

TurboTax has long held a position as the most popular e-filing site for American taxpayers. They offer a free version of their services to individuals with relatively simple tax returns (no children, one job, no investments, etc.) and they charge a small fee (starting at $19.95) for more comprehensive returns. TurboTax would be a good place to start for people completely unfamiliar with e-filing because the website allows users to nearly complete an entire form before asking you to submit a username and profile with the service. So you can essentially go through TurboTax’s entire e-filing process and estimate your tax refund or before officially signing up with the service. The site also has an extensive customer service team reachable online or via phone to help you through any concerns with the program or your taxes should you have them.

There are few drawbacks to using Turbo Tax because the service is so well established in the e-filing industry. Users have complained about a slower-than-advertised refunding process, but that may be due to the high volume of returns that the site processes during tax season. All in all TurboTax is an ideal site for people with simple to moderately complex tax returns.

H&R Block
H&R Block is the e-filing service often mentioned in comparison with TurboTax. H&R Block also boasts a large following of users who have filed with them for years, and they have a great track record for providing people with quick and accurate returns. The H&R Block At Home website has an easy to understand, no-frills interface that’s perfect for people unfamiliar with e-filing their tax returns. The site asks you a series of questions like "Do you own a home?" or "Are you a dependent?"  to help determine what tax forms you need to fill out in an effort to streamline the process. The website also offers free filing for users with easy tax returns.

H&R Block also has physical locations, something that none of the other e-filing websites can claim. So if you have concerned about your tax return or if you want to work out some detail about your taxes before you e-file, you can speak to a representative about it in person at an H&R Block location. H&R Block would be the wise choice for people faced with a more complicated tax return than the average person. Some sources even say that it’s better for big-time investors who want to save on their returns.

TaxACT is a third consideration beyond the previous two, offering the same free e-filing service that savvy taxpayers have come to expect from online tax filing software. TaxACT software in particular is known for its aptitude in determining small errors and irregularities in tax returns. Think of TaxACT as the quiet champion of the e-filing system: while everybody knows about TurboTax and H&R Block, it seems like those who know about the benefits of TaxACT keep it to themselves, as if guarding a well-kept secret. TaxACT will also e-file the tax returns of small businesses, making it a tempting proposition for entrepreneurs who don’t want to hire an accountant to handle their taxes.

CompleteTax has more free e-filing plans available than the previous three sites, and allows users to import their previous tax documents for free, even if the documents were filed through other e-filing sites. The CompleteTax.com site might seem a little dated when compared to those of its competitors, but don’t let looks deceive you. The team at CompleteTax is dedicated to giving their customers the best e-filing service possible, and they do so by guaranteeing that they will offer the best tax refund of any service. They also offer a guarantee that the information filed on your electronic tax return will be submitted to the IRS with complete accuracy. Not bad for a small scale service.  Drawbacks to CompleteTax include a dearth of options for small business taxes and a support center that only takes requests via email.

As the name suggests, FreeTaxUSA offers a completely free experience to users submitting their tax returns electronically (although they charge $9.95 for state tax returns). The site boasts that it has submitted over 7 million tax returns since its inception, and it also claims to be among the fastest e-filing services available. While the service is reliable, it seems like the outfit is better suited for people with uncomplicated tax returns. I assume they also get a good deal of business from people who decided to look for other e-filing options beyond the big 3 companies. Like CompleteTax, FreeTaxUSA allows the user to import previous tax documents from prior e-filing services at no extra charge. The customer support for TaxFreeUSA can only be reached via email after you’ve logged into the service, so make sure you already have an account if you intend on asking any questions.

About the Guest Author
This is a guest post by Eliza Morgan who is a full time blogger.  She specializes in writing about business credit cards. You can reach her at: elizamorgan856 at gmail dot com. If you are interested in writing a guest post, please contact PF Stock at the Email address listed in the sidebar.

Note to Commenters: If you represent a company such as Intuit, H&R Block, TaxACT, CompleteTax, FreeTaxUSA, Microsoft, etc., please leave your contact information or send pfstock an Email (the Email address is listed in the sidebar) to let me know that you left a comment. If I cannot determine that your comment is authentic, it will be deleted.