Personal Finance

Prepaid and Virtual Cards That Work With Cash app
Prepaid and Virtual Cards That Work With Cash app

Cash App is a peer-to-peer or “P2P” financial app that makes it easy to instantly send money to both friends and businesses alike. Formally known as Square Cash, it was founded back in 2013 by Jack Dorsey’s Block Inc. to compete with similar services like PayPal and Venmo. Each Cash App user chooses a unique...

Jun 24, 2022
Acorns vs Vanguard: Which One Is Right For You?
Acorns vs Vanguard: Which One Is Right For You?

Gone are the days when investing in the future was a luxury limited to Wall Street gurus or even financially savvy investors. These days, one of the biggest challenges for many beginning investors is finding the best investing platform for their needs. Comparing Acorns vs Vanguard largely comes down to pinpointing which one is better aligned with...

Jun 20, 2022
Here's How to Transfer Money From Prepaid Cards to Bank Account
Here's How to Transfer Money From Prepaid Cards to Bank Account

Sometimes you have or receive a prepaid card, and you'd really like to have the money as cash in hand or in your account rather than on the card. You may not use the retailer where the gift card is from, or you may simply need the cash. In either case, there are some cards...

Jun 23, 2022
How to Get Approved For High-risk Personal Loans With Direct Lenders
How to Get Approved For High-risk Personal Loans With Direct Lenders

A high-risk loan is a loan that poses more risk to a lender that chooses to issue credit to someone with a low credit score, also known as a "high-risk borrower." These borrowers generally do not have a solid track record of repaying debts, tend to keep credit card balances close to their limits, or...

Apr 11, 2022
The Best Cards For Getting Cheaper Gas at The Pump
The Best Cards For Getting Cheaper Gas at The Pump

With gas prices running high across the nation, many people are worried about the cost of gas at the pump, wondering “How can I get a discount on gasoline?” Unfortunately, those prices look set to stay high for a while, but that doesn't mean that you can't decrease your overall gas spending. One key method...

Apr 10, 2022
The Easiest Credit Cards to Get For Immigrants (No SSN or Credit Score Required)
The Easiest Credit Cards to Get For Immigrants (No SSN or Credit Score Required)

America is indeed the land of opportunity, and thousands of immigrants come to the US every year to fulfill their version of the American dream. Many of these individuals left successful careers in their home countries or are students. Still, they all find that without a social security number (SSN), applying for a new credit...

Jun 02, 2022
Mortgage Refinance As An Inflation Hedge
Mortgage Refinance As An Inflation Hedge

Inflation has become an increasing problem across the country in recent days as the American economy continues to struggle under the weight of Covid-19. Many people are looking for ways to help improve their financial status, including potentially refinancing their mortgages.  In 2020, mortgage rates fell to an immense low point. Many people choose to...

Feb 24, 2022
No Interest Credit Cards For 24 Months: Best Options
No Interest Credit Cards For 24 Months: Best Options

Credit cards can become one of your greatest assets if you are looking forward to purchasing a new item or consolidating an old loan. However, these financial cards are well known for having some of the highest interest rates compared to other financial products. It is worth noting that some of the best credit cards...

Apr 04, 2022
Student Loan Relief & Forgiveness Programs by State [2022 Updates]
Student Loan Relief & Forgiveness Programs by State [2022 Updates]

Paying back student loans can take years, if not decades. If a payment is late or missed, the loan may be considered delinquent and late fees will be tacked on. Many graduates find themselves having to put off life commitments and large purchases, like getting married or buying a house, until that debt is paid...

Dec 14, 2021
Banks with Lowest Mortgage Refinance Rates by State [Updated 2022]
Banks with Lowest Mortgage Refinance Rates by State [Updated 2022]

There's no time like the present, as the old saying goes. The mortgage refi industry has seen impressive trends where current rates are concerned. Feeding off the consumer-friendly momentum of 2020's final quarter, we've seen mortgage rates hit record lows over the last six months. In fact, those numbers peaked early in 2021, with average...

Mar 28, 2022
7 of The Worst Business Decisions in History
7 of The Worst Business Decisions in History

Many years ago I enjoyed reading an article about the stupidest business decisions in history. The article struck a particular chord with me as a young entrepreneur. So much so, that every time I am in a situation where I am about to make a key decision, I think back on that article I read....

Feb 16, 2022
Top 7 Best Banks to open a Checking Account Online in the U.S
Top 7 Best Banks to open a Checking Account Online in the U.S

For many of us, most of our financial life now exists online. Direct deposits, debit cards, and online banking have brought us to a point where most people have no need to ever go into a physical bank. Without being limited to your local bank, a lot of new options open up for an online...

Jan 28, 2022
How Soon Can A Mortgage be Refinanced?
How Soon Can A Mortgage be Refinanced?

Mortgage rates hit a historical low in 2020, prompting homebuyers to get a new or additional home and homeowners to refinance their homes to lower their interest rates. This phenomenon was brought about by the steady increase in mortgage-backed securities that pushed rates lower than the average. However, it won't last forever. In fact, despite...

Jul 17, 2021
The Top Cashback Credit Cards in 2022
The Top Cashback Credit Cards in 2022

Nowadays, it's too convenient to have a credit card or two on hand when you're out to make a purchase or want something online. They've become especially appealing to shoppers who are careful only to spend what they can afford, make a lot of purchases, and are interested in getting some of that money back...

Mar 28, 2022
Best Personal Loan for Credit Card Debt Consolidation
Best Personal Loan for Credit Card Debt Consolidation

Are you one of the 191 million Americans with credit card debt? If so, debt consolidation might be the right choice for you. A debt consolidation loan is a personal loan used to pay off high-interest debt. It's a simplified way to combine multiple credit card balances into one single payment. Here's what you should...

Jul 10, 2021
What To Consider Before Refinancing Your Home (Complete Checklist)
What To Consider Before Refinancing Your Home (Complete Checklist)

Before refinancing your home to get a more favorable interest rate, there are several things to consider. If the timing is right, you can save a significant amount on your monthly payments. Lenders look at various factors to determine your interest rate; chief among them are debt-to-income ratios, credit scores, and the type of home...

May 15, 2021
Top 10 Ways to Shop Online and Pay With a Checking Account
Top 10 Ways to Shop Online and Pay With a Checking Account

When online shopping, you don't always have to use your debit or credit card. With some online stores, you can also use your checking account information. Paying with your checking account is a simple process that will allow you more versatility when shopping online. Below, we discuss 10 ways that you can shop online and...

Jul 22, 2021