It doesn’t matter if you’re starting or growing a business, there’s likely to come a point when you need a cash infusion. Some companies have enough money in the bank to handle all their financial needs. Others turn to credit cards and investors to get what they need. And of course, many owners understand the benefits of a small business loan. Taking out a small business loan is a big decision that will impact your company...
When you make frequent online purchases from the same retailers, you might consider saving your credit card information for one-click payments. This lets you check out quickly and easily without having to enter your payment and billing information each time. Storing your credit card details is certainly convenient, but is it safe? Just having a credit card puts you at risk of credit card fraud. The more places you've stored your credit card information, the greater...
Paying off a large amount of debt takes a lot of sacrifice. You have to cut back your spending and sometimes get creative about making more money. Even though it can be stressful and frustrating, the benefits of paying off your debt are worth it. You’ll save money in the long run. The longer you carry debt, the more you’ll pay in interest. Paying off your debt faster lets you save thousands of dollars in interest,...
Congratulations, you’re under contract to purchase a new home. While you’re not at the finish line yet, you can see it in the distance. If you have a home inspection contingency in your contract, which is something you should strongly consider, you have the right to hire a home inspector to go over the property with a fine tooth comb. Furthermore, if they find something you don’t like, you have the option to back out of...
Building credit for the first time can be both exciting and stressful. On the plus side, you’re ready to take this big step in your financial life. Conversely, you have some concerns about the moves you’re making and the short and long-term impact. Here are five things to know about building credit for the first time: 1. It’s Every Bit as Important as it Sounds Don’t talk yourself into thinking this isn’t important. Even if you...
Maybe you’re dreaming of a new kitchen. Or maybe it’s time to put an addition on your home. Perhaps you want to finish your basement. Regardless of the home improvement project you’re planning, there may be one thing standing in your way: money. Even if you have enough money to complete your project, it doesn’t mean you want to overspend. It’s likely that you’re still interested in saving money along the way. By working closely with...
Do you remember the days when every cell phone carrier was clamoring for your business? From a free phone to a variety of monthly perks, they were willing to do whatever it took to make you happy. However, as cell phones became more popular, this all fell by the wayside. Soon enough, carriers were locking customers into long-term contracts. If you’re interested in getting out of a cell phone contract, here are a few things to...
Do you have poor credit? Are you struggling to build a credit history? Do you have concerns about ever qualifying for a credit card? Despite your stress, there are things you can do to put yourself on the right path. For example, a secured credit card comes with a variety of benefits: • Easier to obtain than an unsecured credit card• Low fee structure• Refundable deposit (if you meet the terms and conditions) While these benefits...
You may think nothing of closing a credit card you no longer want. Maybe you have too many cards or you have one that doesn't pay any rewards. because you have too many cards or that one doesn't pay any good rewards - you may think nothing of simply closing out the card. That way you don't have to deal with it anymore. However, closing a credit card may have some unintended consequences. Potential Impact to...
With so many types of loans to consider, you should feel confident in your ability to find the one that’s best for you, your finances, and your goals. A short-term loan is often overlooked, but there are times when this is the perfect solution. Here are three of the many benefits associated with this type of loan: • Lower interest rate: When borrowing money, you always want to know how much you’ll pay in interest. Short-term...
