• Fixed Income Mutual Funds and 6 Other Types of Mutual Funds

    Simply a collection of stocks and/or bonds, a mutual fund is a company that invests the money belonging to a group of people in stocks, bonds, and other similar things. While these are generally very simple to buy, there’s a lot of planning done beforehand. There are seven different...
  • Top Benefits of Small Business Credit Cards

    One of the major concerns for those who have small businesses or who are just starting up with a business is financing. In the past, it was obligatory to come up with a significant amount of cash that will be sufficient as working capital to put up a business...
  • 3 Payroll Services for Small Businesses Compared

    Managing your payroll is one of the most difficult tasks while conducting any business. Some small business owners wish that there could be an automated software that could manage their enterprises’ payroll to reduce the associated headache and costs. However, since as a small business owner you need everything...
  • How to Finance a Used Car

    Buying a car is expensive, which is why a loan is usually required. Most financial institutions will provide information about auto loans assuming the car is brand new, but the process is very similar for used cars as well. Here are some things to keep in mind when financing...
  • Filing your Taxes? You Need to Know These Tax Deductions

    Among the things that are very painful is the taxpayer’s few realizations after filing a tax return prior to realizing that they forgot to include some deductions that would have otherwise reduced their tax bill or maximized their tax refund. Rushing to complete the tax return by the deadline,...
  • What Are Roth IRA Plans?

    A Roth IRA (Individual Retirement Arrangement) is a special retirement plan established under the US law, whereby you pay taxes on the money going into your account and then all future withdrawals are tax-free. It was established by Taxpayers Relief Act of 1997 and it was sponsored by Senator...
  • How Long Is Too Long To Have A Car Loan?

    The most widely asked question today is basically ‘how long is too long to have a car loan?’. There are many types of loans people take nowadays. Good examples include a U.S. marriage loan, a car loan just to mention a few. The U.S. marriage loan has a time...
  • How You Can Cut Your Cable Bill

    If you’ve found that your cable bill has suddenly blown through the roof, or if the price you originally signed up to pay has become too much, of if you simply want to cut costs on your cable bill, take a look at these tips. Some of these have...
  • IRA Savings Accounts Explained

    As you grow older, you’ll want to invest your money into an individual retirement arrangement (IRA). These accounts are set up at financial institutions and allow people to save for retirement with tax-free growth. This account is also tax-deferred, which means you won’t be charged taxes on the funds...
  • Dividend Mutual Funds: The Pros and Cons

    Dividends are profits that companies share with you if you are a stock shareholder. Dividend mutual funds are stock mutual funds that invest in the companies that pay dividends. Today, mutual funds are a popular investment and something you may be considering. But before investing, you should be aware...
  • Your Small Business and Credit Card Processing

    Opening a merchant account with a credit card processing company allows your small business to diversify payment options for customers. The electronics age is here to stay, and the very fact that the majority of consumers now use plastic cards to make purchases is reason enough to equip your...
  • Small Business Payroll Service Review – OnPay

    Cloud-based payroll service OnPay has greatly improved since the last few years, but it unbelievably gets the same rating year after year. Why is this so? Apparently, there has been a lot of competition. Starting with Gusto being their stiffest competition. In spite of all the challenges, OnPay is...
  • How to Apply for an Installment Loan

    Installment loans are perfect for someone who wants to get a student loan, mortgage loan, or auto loan. These are loans that allow you to get what you need and pay off the sum over a set amount of time. Thankfully, these loans are fairly easy to apply for. ...
  • Penny Stocks, What Are Penny Stocks?

    A Guide to Understanding Penny Stocks

    You might, or might not have heard of the term somewhere, or perhaps you have already engaged in the trade. But the definition of penny stocks has along the years rolled with the dice as far as the stocks market is concerned. Initially, these were small stocks trading for...
  • Saving for your Vacation? Check out these 4 Great Tips

    The jungles of Bora Bora, the beaches of Barcelona, the casinos in Vegas… We would all love to take some time off and travel. However, the reality of it is that not all Americans can afford to take time off and go on a trip in the summer months....
  • Definition of Roth IRA Plans

    Sponsored by Senator William Roth and established by the Taxpayer Relief Act of 1997, the Roth IRA has become one of the most popular individual retirement plans. Taxes are one of the biggest impediments to retirement investing, particularly at the beginning of a person’s career path. Since a great...
  • 9 Steps to Find the Right Auto Car Loans For You

    Auto car loans are easy to get if a person has the right credit reputation and the documentation to prove it. A car loan tends to be easier to obtain compared to other loans because the car itself serves as collateral or security on the loan. A person who...
  • What Can You Do If You Can’t Pay Your Taxes?

    As sure as death and taxes “As sure as death and taxes”- so the old adage goes. Paying taxes isn’t easy, but the alternative – being in the IRS’s bad books – is no walk in the park either. So what should you do when you find yourself in...
  • The Difference between a Regular Savings Account and an IRA Savings Account

    A saving account is an all-inclusive term that includes regular savings account and IRA Savings Account. A Roth IRA refers to a savings account where the earnings accrue on tax-deferred basis but they are tax-free in case distributions are qualified. In regular savings accounts, earnings are normally added to...
  • The Top Global Mutual Funds

    Mutual funds have become a popular way for shareholders to invest money and diversify their portfolio without a lot of effort. Global mutual funds are collections of securities from all over the world that bring a group of people together to invest, and dividends and interest earn income. Here...
  • Teaching Your Teenager To Use A Prepaid Credit Card

    Teaching your teenager to use a prepaid credit card can prove to be a difficult task. Nonetheless, a kid with such a card should have some sense of financial independence and understand the basics of managing their own finances without getting into debt. Essentially, it only requires some time,...
  • Small Business Payroll Service Review – Wagepoint

    Wagepoint is a fast, smart and simplified online payroll service for small business application that enables employers and payroll managers in any organization to manage the salaries and wages of their employees and other stakeholders such as suppliers. This computer software is very ideal for small businesses mainly in...
  • 10 Things to Know About Dividend Stock Investing

    If you are considering becoming an investor but are unfamiliar with the stock market, the world of finance can seem like a foreign language. Because your money is at stake, it is vital that you have a grasp of the terms you will come across as an investor. Here...
  • Where you Can Find Tax Relief Services

    Tax relief services can be a great boon to individuals who have got trouble with their taxes. This service offers great assistance especially to taxpayers who have due taxes with the Revenue Authority or the IRS (Internal Revenue Service) of their respective countries. These services are usually provided usually...
  • Use your Smartphone to Transfer Money with these 5 Apps

    We have seen massive growth in smartphone sales over the years, leaving people constantly glued to their screens on social media, playing mobile games, or listening to music. Smartphones have had their fair share of criticism, often being blamed for poor social abilities in real life, but we cannot...
  • Find The Best Personal Loan Rate For You

    Finding a low rate from a lender can be a major feat. Between the competitive corporate banks and the pressure to have an impeccable credit score, it can be challenging to navigate all of your options. Here are six ways to find the best rate for your personal loan...
  • How Can You Get Out Of Your Long Term Car Loan?

    Many car buyers are committing a mistake when it comes to financing vehicle purchases because they are deciding on longer loan terms. Car loans with long terms of about six or seven years are becoming common. At some point, you may feel the need to get out of your...
  • To Rent Or To Buy: That Is The Question

    Is it better to rent or buy a home based on cost and convenience? The only answer to this is that it really all depends on your financial situation and circumstances in life. However, for most parts, in the long run, owning a home is always much better than...
  • What You Need To Know Before Refinancing Your Home Mortgage

    Refinancing is used as a broad term that indicates paying the costs of one loan using the gained profits from a different loan. Many people use the term refinancing to refer to a substitute of a loan, combined with the second loan for the purpose of saving money Today...
  • 5 Ways To Transfer Money With Your Smartphone

    We have seen massive growth in smartphone sales over the years, leaving people constantly glued to their screens on social media, playing mobile games, or listening to music. Smartphones have had their fair share of criticism, often being blamed for poor social abilities in real life, but we cannot...
  • Which Are the 5 Best Credit Cards Out There

    Whether you want travel rewards or easier financing terms, it is crucial to have the best credit cards. Notably, the best credit cards on the market today come with plenty of rewards that you cannot get with any other product. Those special rewards can include things like travel insurance,...
  • How To Know If A Payday Loan Is Right For You

    You’ve probably seen payday loans advertised on television or billboards. High dollar amounts instantly for just a small fee sounds tempting, but you need to know both the advantages and disadvantages to these loan types. Unlike a traditional bank loan, payday loans aren’t based on a credit score, instead...
  • What’s the Best Way to Transfer Money: Online or Cash Pickup?

    Online transfers and cash pickups are the fastest ways to get money to someone without hassle, but choosing between these two methods can be tough. Here’s a breakdown of each to determine which is best for you. Fees In many cases, it costs to send funds to someone whether...
  • How Can you Calculate your Credit Score?

    There are lots of different types of credit scores, but most people tend to think about the scores from companies like Experian and EquiFax when they go to apply for a loan. Unfortunately, there is a lot false information about how these scores are calculated, leading many people to...
  • Can’t Pay your Taxes? Here’s What you can Do

    “As sure as death and taxes”- so the old adage goes. Paying taxes isn’t easy, but the alternative – being in the IRS’s bad books – is no walk in the park either. So what should you do when you find yourself in a situation where you are genuinely...
  • What you Should Always Consider Before Taking Out a Loan

    Buying a car can be a hassle, and auto loans may only complicate the situation further. However, this doesn’t have to be the case if you plan ahead and know what you’re getting yourself into beforehand. Here are some examples of some things to consider before getting an auto...
  • What You Need for a Car Title Loan

    A car title loan is a fast, easy way to get money using your car title instead of your credit score. When it comes to finding good information for car title loans, the online resources are important. The size of the title loan is normally determined by the amount...
  • 5 Best Cities You Can Retire In

    Moving after you’ve retired is a no-brainer, but you want to go somewhere new. Why stay within the United States when you could relocate to a foreign city and save money? When you’re living off of Social Security benefits and a retirement fund, you need to stretch your money,...
  • How To Know If You Need A Home Loan

    For many people in America and around the globe, owning a home is their top priority. While some people opt to save in order to meet this goal, others explore a number of other options. One of the options adopted by many people is a home loan. Apart from buying...
  • Top 5 Companies for International Money Transfers Online

    Exchanging money with friend or family member is easy when they live near you, but if they’re traveling or live several hours away you may need to transfer money to their account. Every company handles transfers differently and it can be hard to pick which one to use, but...
  • How To Protect Yourself While Using Online Banking

    With our fast paced development in electronics, the majority of people make use of online banking. It’s the fastest and easiest and one can have access to your bank everywhere, like on your smartphones, tablets, notebooks and computers. Due to the easy access we need to protect ourselves from...
  • How Do Unsecured Personal Loans Work?

    Unsecured personal loans allows anyone with decent credit to borrow money for most personal needs. The funds borrowed can be used to start your own business, buy personal items, or consolidate your debt. Before obtaining an unsecured loan, be sure you understand how they work and how it can...
  • 5 Best Free Business Checking Account Options

    A business checking account will allow you to save a lot of time these days. A free checking account can also offer the protecting that you have been seeking for your funds these days because a checking account has many built-in security features. By using an online business checking...
  • What is a Bad Credit Score?

    Credit scores range from a low of 300 to a high of 850 for both FICO and Vantage Score rankings. The companies that determine credit scores don’t label specific scores as good or bad. Even credit reporting agencies merely review the current market for an idea of what constitutes...
  • How to Find Cheap Car Insurance

    Everyone prefers deals that will save them money, while still getting the most out of the deal. It might sound as a bit obvious, but worth mentioning that you can only get to save more on insurance premiums if you seek to know more about how these policies work....
  • The Difference Between Merchant Accounts and Business Bank Accounts

    Are you a new small business owner? You probably have a lot to take care of, and you aren’t looking forward to sorting out your financial issues. However, you’re going to need to take care of two things as soon as possible: your merchant account and your business bank...
  • 5 Companies Who Offer Car Title Loans Online

    Did you know that most car title loan lenders can only offer car title loans online in a few states? Unlike payday loans, there are several state-specific differences at play when you are looking for the best car title loans. Car title loans online are continually becoming popular ways...
  • How to File for Bankruptcy

    It may be an understandably difficult time if you are looking at the prospect of filing for bankruptcy. It is worth remembering, however, that some of the most successful people in history had to file for bankruptcy at some point in their lives: Abraham Lincoln, Thomas Jefferson, and Walt...
  • Fixed Rate Mortgages

    Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...
  • A Guide To The Risks Involved In Investing In Stocks

    You need to know these risks when investing in stocks: investing in stocks could result in the loss of all the money invested and in some instances even more. Prior to investing in stocks it is important to acknowledge and accept the risks inherent in such an undertaking. Important...